Y is the creditor of X. Upon demand, X failed to pay Y; thus, the latter filed a case against the former.

X had a savings account with PNB. Subsequently, the court ordered that X's account be garnished to the amount of P500.000 to satisfy the judgment in favor of Y, X complained that the garnishment violated the Secrecy of Bank Deposits Act.

Which is correct?

X complaint has no legal basis because peso deposits may be garnished and PNB can comply with the order of garnishment without violating the Secrecy of Band Deposits Act

complaint is meritorious because peso deposits may not be garnished

X is correct because in the process of garnishment, the information about is divulged to the public Ines account

X has cause to complain because the Bank Secrecy Law protects the disclosure of the