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Journal M.C. Hampster's Journal: Nightmare 8

Journal by M.C. Hampster

Well, it happened. I never thought it would, but it did.

My wife just went to draw out the "weekly cash". The machine told her to take the money, and then gave her a receipt for the withdrawal. Only problem: no money ever came out of the machine.

She went inside and told them what happened. They gave her the "dispute" number to call. They didn't offer for her to use their phone, but just sent her on her way. She made a few comments about "theft" and left. After calling the number, the man was extremely helpful and said that this sort of thing happens occasionally. He said if the machine ends up not "correcting itself" in the next day or two, they could credit us. She clarified that the bank is not disputing the fact we didn't get our money, they just don't want to credit right now in case the machine ends up doing it for them.

Thankfully, it's no big deal for us because we can go to another machine and get our money for now. We don't go paycheck to paycheck, but it is still unsettling for this to happen.

Anyone else have a similar experience?

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Nightmare

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  • ...but I've heard it said that the financial system (to include banks and credit cards) lose an awful lot more annually than they would ever care to let on, because it's cheaper to deal with the problem and take the lose than have everone lose faith in the system and start hoarding cash and bartering.
    A real thief would check for large transactions, and give you one less bill than they should, gambling you won't count it all.

    • Yeah, I guess that makes sense. I'm sure though if they audited the ATM machines well, and I'm sure they do, they could easily verify these kinds of claims.

  • Though I always worry about that, especially when I am using an ATM at night.

    I have however had one not return my card one morning after it dipped down to -20F one night.

    Me being the idiot went and used an outdoor ATM not thinking that maybe, just maybe the mechanical parts inside could have frozen considering under most circumstances winter in NJ doesn't mean colder than maybe 0 degrees F.

    They were a pain in the ass about giving my card back as well. Took my license as ID, then had me recite my address

    • That's funny. It's especially interesting for me due to the fact I live in Phoenix and it never gets below +20F. :-)

      In fact, we're gonna hit triple digits this weekend, woohoo!

      • The warm weather has been struggling around here.

        We're still working on breaking the 80F mark. Most of the time recently the weather has been having trouble breaking the 70F mark even.
  • ...to something similar was when the ATM ate my card. It took it in, but wouldn't spit it back out. I went into the branch office to see if anybody there could extract it, but came up empty. The best they could do was recommend calling the 800 number and asking for a new card.

    Bottom line: I could keep using online bill pay, but for about a week (!), to get cash, I had to go into a branch office, fill out a withdrawal slip, and hand it over to a teller. It's a pain in the *ss when you're used to just

  • I thought you were gonna say she'd gone to take money out and there wasn't any 'cause someone had gotten ahold of your checkbook, a debit card, etc.

    I've never had a problem with ATMs, but I haven't even used one in the psat 2 years. I only get money out once a month, and then I just use the drive-up window. I like the personal contact -- I don't even have to use my ID to cash a check, they know my name & face, and not to offer my kids suckers. :-)

    ....Bethanie....
  • ...many years ago when I was still in the States. My credit union was cool about it, though, and fairly promptly credited the money back (two days IIRC). It also wasn't a terribly huge sum ($40 or so), but then again at the time I was a student, so come to think of it, $40 was a huge sum.

    I think the main thing is to immediately tell the bank -- both your bank and the bank that owns the ATM.

    Good luck and hope you get your money back.*

    Cheers,

    Ethelred

    * - Actually it's time to admit it publicly. T

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