So last week I needed to withdraw 300 dollars cash for part of my rent. I drove to the Wells Fargo to use the ATM there as I always do since there is no fee for use since the takeover.
The ATM stated something to the effect "this transaction can not be completed at this time, please try again later" and the card came back out.
I tried the ATM next to it and still fail.
So I went to the 7/11 which let me take out $200. As soon as I got home a few minutes later I went to wachovia on line to check my statement. And sure enough the $300 the ATM never gave me was processing.
I immediately called the bank and was told I "should" have the money back in 2-3 days and she was going to file a dispute. I wasn't very happy about this which is also causing my rent to be late but there was not much else I could do. But just imagine if a mistake or malfunction on my end caused me to put a hold on their money (such as an overdraft).. Well most of you know what happens after that with the cascading fees that apply OD's to transactions that were done while funds were available but get re-sequenced so the bank can fleece us dry. Yes that.
So now it's 3 days later and nothing. So I am getting worried because auto debits are coming in and I do not get my direct deposit paycheck for 2 weeks. I call the bank and explain the situation again. This time they did put the money rightfully back into my account... But on the statement line it says..."ATM WITHDRAWAL PROVISIONAL CREDIT" and the woman on the phone said there will be an investigation.
Fine with me as long as they do not rip off the money again let them investigate until they are blue in the face. How long can it take them to tell they have a defective ATM machine?
I did go to the Wells Fargo and was told by the banker there "nothing we can do. Go to Wachovia. That is not a wachovia ATM". Shenanagins I tell you... The screen says welcome to Wachovia right on it. But obviously even Wells Fargo wants to deny any connection to Wachovia. Can you blame them? But they are together now. They can't hide from it.
Has anyone else ever had this happen with an ATM? I have never heard of this nor has anyone else I know. And in a sense this is a form of theft that the bank held my money against my will for 3 days. Am I entitled to any "fees" for this? Probably not as I did not have them sign a terms and conditions contract that says if they steal or borrow money from me that I can rape them with fees.
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