A salary deposit became unusable while the payoff certificate and account status remained unresolved

One borrower said a Certificate of No Outstanding Balance was requested on July 14, 2026 after using a UnionDigital special payoff program. Two days later, according to the borrower, support replied that the concern was still under review because of a high volume of inquiries. The borrower also contacted UnionBank and received a ticket number. The borrower said the hotline had no visibility into UnionDigital loans and directed further follow-up to UnionDigital email support. On August 5, the borrower reported that a salary deposit was visible in the account but could not be used. An entry labelled as a security deposit also appeared, showing PHP 426,633.58 with a duration through 2099. The borrower did not know what that entry meant. The public source does not include the payoff agreement, payment ledger or account records needed to establish whether the payoff had been finally posted. It also does not establish what the security-deposit entry represented or why the salary deposit was unavailable. BorrowTalk does not infer that the displayed entry caused the access problem, represented a valid debt or showed misconduct. A same-day update-like comment appears in indexed thread text, but its deterministic permalink could not be recovered. No material fact from that comment or from other commenters is used here. A second later-outcome search immediately before this payload was finalized found no traceable update showing that the certificate arrived, the funds became available or the account entry was corrected. Where the story stood The borrower was waiting for a no-outstanding-balance certificate after a special payoff program while a salary deposit was reported unusable and an unexplained account entry remained visible. The final certificate, fund-access and account-status outcomes are not available in the traceable public record.