GCash Unauthorized ₱699 Auto-Debit by Hong Kong VCREA, Refund Request

I am writing to raise a formal dispute regarding an unauthorized auto‑debit made through my GCash app and to request an immediate full refund of ₱699.00. On October 20, 2026 at 09:23:44 PM, I received an SMS informing me that a payment of ₱699.00 to the merchant “HONG KONG VCREA (Hong Kong VCreation Cloud Technology Limited)” with Ref. No. 054082970 had been successfully processed via my GCash account. I did not authorize this transaction, I was not making any purchase at that time, and I was not subscribing to any service from this merchant. I have no active subscriptions, registrations, or business relationship with “HONG KONG VCREA” or Hong Kong VCreation Cloud Technology Limited, and I have never knowingly linked my GCash account or payment credentials to this platform. The debit was completely unapproved and occurred without my knowledge or consent, which raises serious concerns about the security of my GCash account. As supporting evidence, I am attaching the original screenshot of the SMS notification that shows the date, time, amount, merchant name, and reference number of the deduction. I respectfully request that GCash urgently investigate this unauthorized transaction, reverse it as soon as possible, and refund the full amount of ₱699.00 back to my GCash balance. I also ask that you permanently block and unlink “HONG KONG VCREA” from my GCash account and any associated payment credentials to prevent any further unauthorized or automated deductions. In addition, I request a written update on the status and result of your investigation, together with a formal case or ticket number so that I can track this dispute. I trust that you will handle this matter promptly and help restore my confidence in the security of using GCash.