OCBC Indonesia.
OCBC Indonesia. OCBC IS HOLDING MY MONEY HOSTAGE! For six months, OCBC has prevented me from accessing a significant amount of my own money. Transactions across all my currency accounts are effectively restricted: online payments, physical card payments, and ATM cash withdrawals in countries around the world. My card is not completely blocked, but currently it only works for payments through the Grab app. All other transactions are consistently declined, including attempts to use my card in multiple countries outside Indonesia. Even worse, refunds initiated by merchants are not being credited to my account, despite the merchants having already sent the money. Every time I contact customer support, they open another report and tell me to wait 33 business days. The deadline passes, yet I receive no answers, no resolution, and no access to my money. Instead, I am forced to start the same frustrating process all over again. SIX MONTHS without proper access to my own money is absolutely outrageous! This feels like the bank is holding customers’ money hostage. When a bank keeps your money inaccessible for months, fails to resolve the issue, and provides no meaningful answers, how is a customer supposed to trust it? This is an appalling level of service and a shocking lack of accountability. I strongly warn others to think twice before trusting OCBC with their money.