Banking in PH.
My tiny Sterling bank is the opposite, when I had some money missing, they promptly identified where and why it went away, and resolved it.
Meanwhile, a reasonably bigger East West bank, well, seems a lot of cases of ATM only card accounts being used online for fraud and bank 'investigates' it ..
Latest to be hit, a friend of mine.
35k Peso spent online, on a ATM card only account