Overseas ATM issues - no money but charged

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Evan

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Well its happened, I used an ATM (no skimming device i am 100% sure) and made the transaction, was told it was not possible, no receipt or $$ and its been reflected on my account.

I have contacted HSBC but lets just see what happens. I hope its easy to resolve. Good news is it was in a bank and not on the street and plenty of video camera's.

Still could me a long fight.... anybody else have this problem before and had any issues getting it resolved ?

Thankfully it was 200 Euro only, sure thats $400 SG but could have been worse if i completely fail. First time this has ever happened to me that a failed transaction has been reflected on my account.
 

tuapekastar

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Banks are usually very good at reconciling txns made through an ATM so hopefully you won't have any real issues here...still a bit worrying though.
 

straitman

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Good luck Evan. The inside the bank bit with lots of cameras should make it easier.

Fortunately, I've never had an issue such as this at an ATM.
 

Evan

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No first time for me also... in Spain.
Hmmm... oh well i will keep my finger crossed.
I am just thankful it was not more $$ i mean its a fair sum of money but its thankfully not a case of me traveling on a shoestring. (When i see how some back packers travel this would very very much upset them i am sure)

Not much i can do except do what i have done which is log the dispute with the bank and ask then to investigate.
 
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blankman

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Good luck Evan!

I had the same thing happen to me at coughet Airport. I tried to withdrawal 5000 baht from the ATM to pay for my starclass upgrade and the transaction came up as an error/declined. Was annoying at the time as I knew there were funds in the account..

When I arrived home I saw the debit on my account and called commbank straight away. I was advised in writing it would take approx 6 weeks to receive a response as the Thai bank would need to reconcile the ATM.

After 6 weeks I received another letter saying the Thai bank found no irregularities and case closed. When I spoke to the Commonwealth they advised there was nothing else they could do.

Hopefully you have a different outcome though. I'm just thankful it was only a relatively small sum of money..
 

Evan

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blankman, this is what i also fear... but i will follow up tomorrow again in business hours and if no response i will ask them to make sure the bank saves/views the video. I remain hopeful. Spain is not as dodgy as Thailand... but its still not great i believe.
 

Anna

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This happened to me at St Thomas in the US Virgin Islands. I wrote to the Commonwealth Bank about it when I returned, they accepted that I had not received any cash from the ATM and it was all rectified fairly quickly.

Good luck.
 

Flashback

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Good luck Evan, be sure to let us know how you get on :!:
 

JohnK

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When I arrived home I saw the debit on my account and called commbank straight away. I was advised in writing it would take approx 6 weeks to receive a response as the Thai bank would need to reconcile the ATM.

After 6 weeks I received another letter saying the Thai bank found no irregularities and case closed. When I spoke to the Commonwealth they advised there was nothing else they could do.
Why do I have difficulty believing the result of the investigation? :rolleyes:
 

MEL_Traveller

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FWIW I have a good news story (positive outcome)...

I tried to withdraw $$ in china - 2 times rejected and 3rd time would only allow me to withdraw a really low amount ($100 AUD equivalent).

Checked card next day and available funds were right down... two days later all three withdrawals appeared on statement BUT amazingly, 2 credits at the same time! (In total the first two transactions added up to $400 - which is why the third withdrawal would only allow me to take $100).

So... hopefully the OPs situation will work out ok too!

mel-t
 

asiaflyer

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I had something similar happen in Hawaii.

Made a withdrawal at an ATM in the bank branch, received a receipt but no cash. Needed the money so made another withdrawal (looking back that seems like a really stupid act on my part:() but this time received cash and a receipt.

Went to the staff at the bank and they were useless, basically saying that they don't have anything to do with the ATM, but it gets reconciled so if there was an error I would not be charged. Couldn't explain how they would know who had been incorrectly charged...

Checked online and saw two withdrawals and immediately lodged a complaint via my bank (ANZ). They advised that they would notify the Hawaiian bank and if an error was found on reconciling the ATM it should be corrected .... and it was a few weeks later.
 

greynomad

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Why do I have difficulty believing the result of the investigation? :rolleyes:
About ten years ago failed transaction Bangkok bank ATM in Bangkok using amex charge card to withdraw cash. No receipt no cash, tried again and withdrew cash with receipt no problems. On arrival home found had been charged for both transactions. Many calls to Amex over several months before Amex credited my account saying they were giving me the money. I advised them that they were returning my money and I had lost faith in their card and would not be using it overseas to withdraw cash until they explained to me what happened. Did not use the card overseas for a couple of years no call from Amex about what happened or to ask why I had stopped using the card overseas. Before this incident I used the Amex card very frequently overseas to withdraw cash and had been with amex for about twenty years without any disputed transactions. It was quiet a battle to get my money back.
 

docjames

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Wondering what Evan's outcome was??
 

Cocitus23

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This will be difficult for most of you to believe, but sometimes, just sometimes, the cookie crumbles the other way. About eight years ago I withdrew 100 pounds from an ATM in England, using my CBA 'key' card, and charging my CBA cheque account. The amount never ever appeared on my bank statement. Now I know that some of you will be concerned about the proper ethical response to this situation, and keen to know just what I did. Well, I thought hard about it for a long, long time, thinking that maybe I had a responsibility to alert the bank to where that 100 quid went. But the pressure of other concerns eventually forced the issue from my mind - until I read this thread. And now I'll think long and hard about it again, maybe for another 8 years, and then we'll see what happens.
Maybe I should go back to that ATM - it was in Worcester - just to check if the problem still persists.
:D:D:D:D
 

Mal

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it was in Worcester - just to check if the problem still persists.

I was there on Sat - could have checked for you ;)

I believe all ATM's in the UK have been replaced in the last few years (mainly for chip+pin reasons), so doubt that ATM would behave the same way.
 

Evan

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Wondering what Evan's outcome was??

Sorry guys, been a bit busy recently and not reading AFF so much.

Well i got my money back about 7 weeks ago... no worries.... Everything was good :)

But (There is always a but...) then of course HSBC decided that they would cancel the ATM cards of anybody in 2009 who had a suspect transaction, no matter what it was.
So they do this the day before i was due to fly to Thailand and could not get me a card in 24hrs.

Very disappointed in HSBC but thats just life i guess.

E
 
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