|
| AUTHOR |
MESSAGE |
|
ashkats
65 / couple
crystal falls, Michigan, US
|
ATM's
looks like back in may i stuck my card in one and asked for 60 and it pays out 40, it bill me for 60, but I'm standing here dumbfounded as i got only 40 in my hand and were the other 20 bucks, no were to be seen,. so i call then up, hey the machine shorted me some , so it gett to my and they take the 60 from my bank acount, they file a dispute, for us at the bank i didnt get a refund yet ... i mean hey its only a $20 but it seems im tired of the runaround game while they are telling me my banks ripping me off, seems i trust my bank more... so whats my next move ?
|
| July 26, 2012, 04:03 |
|
Iwant2kssuallovr
62 / female
Bendover, Florida, US
|
Re: ATM's
The ATM machine is the responsibility of the bank? I would seem to me there were have been an overage at the ATM, just like counting a bank draw, unless it gave the next customer you $20.
I'd continue to pursue it with the bank. I mean what is their explanation for not reimbursing you? Other than they don't give a shit.
|
| July 26, 2012, 12:54 |
|
yepper12
73 / male
Jeffersonville, Pennsylvania, US
|
Re: ATM's
I would go to my bank snd alk to them if the say there is nothing they can I would just say ok I want to close all my accounts with them and get another bank I'm sure they do not want to lose you
|
| July 26, 2012, 21:55 |
|
perveman
111 / male
Tucson, Arizona, US
|
Re: ATM's
i no I wood azh
|
| July 27, 2012, 02:07 |
|
ashkats
65 / couple
crystal falls, Michigan, US
|
Re: ATM's
it was at a free ATM in a gas station, i went back and forth with my bank the ATM was privately own ...cash depot.
my back filed EFT dispute, i did get atmed for 60 from checking and out falls two 20s, my bank never received the refund to post and it seems like they don't want to say when they posted it back....well my lastest is i got a state rep going to call them her self.....the power of my vote at work......
|
| July 27, 2012, 02:35 |
|
newbie1011
62 / female
The Shore, New Jersey, US
|
Re: ATM's
1)File a complaint with the state banking commission.And/or Attorney Generals office
2)Make sure you send your bank a copy of the complaint so they know you are serious.(Of course if you haven't filed a formal complaint with the bank do that as well)
3)You must notify the owner of the machine as well.(This really should have been done immediately but you might have lucked out because you did report it to your bank at least)All ATM's have a contact number on them as well as a serial number to identify the machine. Note the date, time and address of where the transaction was made.Send them a copy of the ATM slip as well.
4)Find out how long the bank and/or other responsible parties, in this case it might not be your bank because they don't own this machine, have by law to resolve the issue.
5)If the time has pasted and nothing has been resolved, you can do several things.You can try to pressuring them by getting local media involved. You can have your local politicians get involved by filing a complaint with their office. You can go to smalls claims court and file a small claims case asking for not just the $20 but expenses,court costs and fees as well.
MAKE SURE YOU KEEP ALL LETTERS AND ENVELOPES. SEND THE LETTERS CERTIFIED RETURN RECEIPT.HOLD ON TO ALL RECEIPTS AND DOCUMENTS. YOU WILL NEED THEM FOR COURT.
By the time they see you are serious they will give you a "Courtesy credit" but you should keep track of all your expenses and tell them now you want the credit to include ALL YOUR COSTS now that "they forced you to go to that extreme".
Most banks don't give a damn if you threaten to close your account these days unless you have a lot of money in the bank. But they hate getting trashed and having formal complaints on their record.
Just as a little side, I would Google to see if that machine or company that owns it has had a record of ripping people off. I bet they do . You could add to the complaint threads you find and you can print it off and show it to the Attorney general, Banking commission and politicians and have them go after the owners with criminal charges or at least fines if it turns out they do have a history of this type of thing.
You also should avoid the private machines if you can. They are notorious for this stuff and the extra fees you wind up paying are crazy anyway.Your banks ATM's offer more security.
YES I would do all this over $20. It's a matter of principal.
|
| July 27, 2012, 08:11 |
|
ashkats
65 / couple
crystal falls, Michigan, US
|
Re: ATM's
ya bet it is, it just the last time it took 3 months over a fee... now the thing cant count,now the cash depot claims they never got the funds despite, so here i go again. and it was their free no fee ATM ... been wondering how they made money.. i been using it a lot over the years ..kwik trip has evevery thing ya could want, bread, milk, eggs, ice cream, pop, roller grill hotdogs and donuts too.... and gass 
|
| July 27, 2012, 23:18 |
|
onehornee
64 / male
69'sDevine, Michigan, US
|
Re: ATM's
lucky you didnt break out the tow chain.Ive never had that happen but would be up the banks backside for that one...
|
| July 27, 2012, 23:26 |
|
newbie1011
62 / female
The Shore, New Jersey, US
|
Re: ATM's
I had it happen once at a machine on the boadwalk that charged a $10 fee to add the the anger. It didn't state the fee until you got the reciept. Those were the days before they made them post it. These days I almost never use a machine that is not my banks. Most stores take ATM cards these days as payment. If you can do that instead of using the machine at that store it might be safer. Its still a pain if they fuck up but at least you can dispute it with your bank directly. The best is using a card like American Express if you can.
The new laws that just passed will make all this worse. In most places ( NY excluded because they made it againt the law there) merchants will be able to charge you more for using a credit or bank card. However, even the places that have out lawed this have found a loophole. Big shock right! So they say " We are offering a cash discount. We are not charging a fee for credit ." Talk about a game of semantics!
|
| July 28, 2012, 15:03 |
|
ashkats
65 / couple
crystal falls, Michigan, US
|
Re: ATM's
hooray, i got my 20 back yesterday after they clain they never got the eft dispute...
|
| August 8, 2012, 05:41 |
|
User no longer registered.
|
Re: ATM's
That's whyu i use my banks ATMs only. Ok, maybe an affiliate.
|
| August 11, 2012, 19:36 |
|
perveman
111 / male
Tucson, Arizona, US
|
Re: ATM's
I hate banks. Thats why I always go to teller, I am right there, and see it happen. But then again, I do all my stuff in cash, or money order. My left hand, always knows what the right hand is doing. I keep it simple, and when I buy ANYTHING, I lay the green down, get a receipt, its done.
|
| August 12, 2012, 00:36 |
|
GG317
60 / male
Bowl of Granola, Massachusetts, US
|
Re: ATM's
Oh...the actual machines. I thought for a moment there, this being a sexual site that ATM was for something else entirely...Sorry, my bad!...  
|
| August 12, 2012, 22:21 |
|
perveman
111 / male
Tucson, Arizona, US
|
Re: Re: ATM's
QUOTE (GentleGiant388 @ August 12, 2012, 22:21)Oh...the actual machines. I thought for a moment there, this being a sexual site that ATM was for something else entirely...Sorry, my bad!...
Oh it is a sexual site, some or those ATMs are HOT!
|
| August 13, 2012, 00:20 |
|
sybianwatcher1
49 / male
Kamloops, British Columbia, Canada
|
Re: ATM's
......and for the record ,they use concrete to secure them into the walls, don't appear as a dumb rancher did around here and try to rip it from its location when it takes you for twenty Canadian.Although the little screen doesn't stand up well to a boot heel driven by a 195 lb pissed off farmer......The R.C.M.P. don't really have a sense of humour about that sort of thing, and they hate when it takes three of them to arrest you.
|
| August 13, 2012, 20:01 |
|
ashkats
65 / couple
crystal falls, Michigan, US
|
Re: ATM's
seen one on breaking bad smash a guys head like a mellon, guess they are hard to break into too
|
| August 14, 2012, 22:27 |
|
|
