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u/Kendamin_23

▲ 248 r/MariBankPH

Hi everyone. Update on my unauthorized transaction post.

MariBank just sent me this email denying my dispute. Here's what happened:

PHP 34,499.34 charged to my MariBank debit card

Merchant: PRIDE PLAZA HOTEL NEW DELHI, IND

Date: April 9, 2026

No OTP was sent to me

What I did:

Reported it immediately

Contacted the hotel — they confirmed in writing they have NO record of the transaction

Filed a BSP complaint

Then they said the transaction was "card present" so it's not eligible for chargeback. They also said "information required to process a transaction is meant to be kept by you alone" Then they closed my case.

My problem with their decision is, I was in Davao City when the transaction happened in New Delhi, India

My physical card was in my possession

The hotel itself said they have no transaction under my reference number

No OTP was sent

How can this be a "card present" transaction???

Any advice would help. This is 34k hindi biro

u/Kendamin_23 — 16 days ago
▲ 261 r/MariBankPH

Hi everyone. Posting here to ask for advice and also to see if anyone else experienced the same thing. April 9, 2026, may biglang nagreflect sa MariBank app ko na PHP 34,499.34 debit transaction. Ang merchant "PRIDE PLAZA HOTEL NEW DELHI, IND." Hindi ako nagbook ng hotel sa India. Hindi ako nakatanggap ng kahit anong OTP. Wala akong shinare na PIN or password kahit kanino.

What I did so far:

Nireport ko agad sa MariBank on the same day ng transaction, which was April 9. Nireport ko din sa BSP at may case number na ako. Kinontact ko mismo yung hotel sa India, at sumagot ang Duty Manager nila na WALA raw silang record ng transaction na yun walang booking at walang payment na natanggap sa kanila. ngayon posted na yung transaction sa account ko as of April 14, 2026. Hindi na "Posting in Progress" posted na talaga.

May nakaexperience na ba ng unauthorized transaction sa MariBank na nabawi yung pera? Gaano katagal? Ano ginawa nyo para mapabilis?

Gusto ko lang malaman kung ganto ba katagal (60-120days) ng process ng investigation if may fraud involved po sa account ko?

u/Kendamin_23 — 19 days ago