On Oct 21, 2004, I put $10,000 into my Structured Deposit Account with the bank. This is supposed to mature on Oct 21, 2009.

Suddenly after four years, the bank sent me a letter dated Jan 21, 2008, to tell me that I have to take note of its so-called 'credit note' which says that my fund transfer is 10,000 credits and there is a transfer withdrawal.

There was no cheque number and I was puzzled as I did not give any instruction to the bank regarding the transfer.

On Jan 24, I went to the OCBC Jurong East branch to explain my predicament to Bank Officer A who could not answer my questions. He then directed me to Officer B who, after listening to my queries, said that he could not help me although he was wearing a badge which said that he is a 'customer ambassador'.

He then telephoned the Head Office and asked me to speak to the manager in charge of accounts.

I asked her why there was a transfer withdrawal without my knowledge and she tried to evade my questions. I asked her why the bank chose to transfer my money from one account to another without my knowledge and she could not give me a satisfactory answer.

I am seriously thinking if I should sever ties with a bank which does not value my loyalty. To date, I have yet to hear from the bank.

Heng Cho Choon