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In accordance with Bangko Sentral ng Pilipinas (BSP) Circular No. Launched in July 2020, the BSP Online Buddy (BOB) is Bangko Sentral ng Pilipinas' Consumer Protection bot, ready to help with people's financial consumer concerns and questions. With this, you may raise your concerns with BSP-Supervised Financial Institutions (BSFIs) and submit queries on other BSP-related topics. BOB is the BSP's chatbot that automates the handling of consumer complaints. It enables people to instantly send their concerns through a webchat on the BSP Website, Facebook (via Facebook Messenger), or SMS. However, BSP also mentioned that BOB would also be made available for other network subscribers in the future. Here is a list of commonly asked topics: - Credit Cards - Bank Deposits - Maintenance Fees - Dormancy Fees - Online Banking - Consumer Concerns - General Inquiry Update after a year of launch In July 2021, BSP has seen an increasing number of financial consumers coursing their concerns and queries through BOB July 2021. According to BSP, complaints and queries processed through BOB represented 58% of total cases during the second quarter of 2021, almost four times higher than the 15% BOB usage rate during the third quarter of 2020. Read more in our articles including "BPI to increase charge from 2 - 3% by March 13" and "What is the BSP Online Buddy (BOB) and how to use it".