Bank cards are rapidly replacing cash payments. It is much easier to pay with plastic "wallets" and large sums of money can always be at hand. Unfortunately, problems with ATMs are also common. Not a single user of the "iron assistant" is immune from system failure. Most often, ATMs “eat up” cards or money.
ATM does not dispense funds
If after the identification procedure you have not received the funds from the ATM, do not rush to get upset. There can be three situations in this case - the money was not debited from your account; the operation was successful, but you did not receive either the check or the bills themselves; or you received a paper report of the alleged transaction. In the first case, it is better to pick up the card and find another ATM.
In the second, take a check and first call your bank or the organization that owns the ATM. The operator will need to inform about the problem that has arisen, give the number of the operation, ATM and the address at which it is located. Immediately after the call, visit the nearest branch of your bank and write an appropriate statement about the incident.
If you have not received the check, the procedure will be the same. Pay attention to the messages on the ATM screen. It is better to photograph them with a mobile phone camera. When writing an application, be sure to show the photo to the bank employee. Additionally, make a statement from your personal account as confirmation that the funds were not debited or credited. The proof in this case can be a regular check.
If the ATM has accepted the banknotes, but has not credited them to the account, the procedure will be the same. Please note that one call to the bank is not enough to resolve such a situation. As a rule, you can speed up the process of refunding funds only by contacting a bank branch in person.
How the refund process works
If you are faced with a malfunction of the ATM and the funds remain in it, then immediately get ready for the fact that the refund procedure will not happen instantly. After the written statement, you will need to wait a while. Such procedures can take up to 45 days at most.
Refunds are made only after the ATM has been collected. Based on the information you provided and the presence of extra bills at the ATM, the money is either credited to your account or given to you at the bank's cash desk.
Another important point - sometimes technical system failures occur in ATMs, due to which all operations are carried out in a slow mode. That is why you need to wait some time before calling the bank. It is likely that after a few minutes of visible failure, the bills will still go to their destination.
The refund process may take a long time, if after the cash collection the ATM does not find an extra amount. In this case, the bank engages the security service, and the check is carried out in the most thorough way. Sometimes cardholders have to go to court to speed up this process.
