I used a Chase ATM (ATM #IN1933) on Oct. 31 2008 to withdrawl money off my Payroll Card in the amount of $600. As the money is being dispensed, the ATM does not push the money completely out of the slot. I speculate that this is because of older dollar bills being placed in the machine.
I began to try and help it out of the slot by putting my fingers somewhat inside of the machine, but the slot is small, and my fingers aren't small enough to get much of a grip on the money. I fight with it for about a minute, maybe a minute and a half, worried that the door is about to close, and my money lost.
I managed to get $220 out of it before the rollers inside the machine retract the amount that is still left in the machine ($380) and the door closes. I get out of my car, talk to the tellers inside the bank, and they call someone internally about this issue. They tell me that they can see where the ATM did not give me all my money due to a certain amount of time passing before it was retrieved, and that I need to call my card company to have it put back on my account.
At this point, my account is deducted the full $600. I call my finicial institution, and they have me file a claim with them. They inform me that it will take 45-60 days before they can get the issue resolved.
The only points that I have an issue with is the fact that:
A.) The bank seen the issue internally and directed me to my bank.
B.) My bank says that due to federal laws 45-60 days to get this money back.
After calling Chase to try to speed this process up, the exclaim that since I am not their customer they can not assist me, with figuring out what is taking this process so long to correct or possibly 'red tagging' or alerting someone that works with this particuliar atm that a problem is present.
Chase has someone that fills the atm machine up on a regular basis, and that person, or a representive of the bank itself should be able to validate the amount that the atm shorted me. A reasonable amount time is understandable for this process. Reasonable is within 14 days, and thats being very liberal I think.
Instead of treating me as if the issue is a problem that needs to be fix, the two institutions (Chase & Innovative Processing Solutions) treat me with disrespect. Is problems with atm's so common-place now that a victim of an error with one is something to be complacant about?
As mentioned before, I understand they need to varify the issue, and the amount. The local bank has already told me that a report of the malfunction is there and is visible. It is just a matter of someone to varify the ammount and follow through with the dispute.
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