Hi! I'm sorry to hear about your experience. There could be several reasons why your transaction failed and your savings account was debited. Here are a few possible explanations:
1. Insufficient funds: It's possible that you didn't have enough money in your savings account to complete the transaction successfully. Make sure to check your account balance before attempting any transactions to ensure you have enough funds.
2. Technical issues: Sometimes, there may be technical issues or maintenance activities happening on either the BPI or Maya platform, which can cause transaction failures. If this is the case, the amount deducted from your account should be reversed automatically within a few hours or days.
3. Incorrect or incomplete transaction details: Double-check the details you entered when making the transaction. Ensure that the recipient's Maya account and other necessary information are correct, as any mistakes could lead to a failed transaction.
4. Connectivity problems: Unstable internet connection or issues with the BPI app or Maya app could also cause transaction failures. It's a good idea to try the transaction again after ensuring a stable internet connection.
To resolve the issue, you can take the following steps:
1. Wait for a few hours: If the transaction failed due to technical issues, the deducted amount may be reversed automatically.
2. Contact BPI customer service: If the deducted amount is not reversed within a reasonable time frame, it's best to reach out to BPI customer service for assistance. They will be able to investigate the issue and provide you with a solution.
Remember to provide them with all the necessary details such as your account number, transaction reference number (if any), and the exact date and time of the failed transaction.
I hope this helps!
