I went to the BOA atm at penn station plaza in NYC. Attempted to take out 20 dollars from an ATM for which it told me I had insufficient funds. I didn't know why I had insufficient funds so I tried to get a mini statement for which it then told me I could not do. Then when I went home my account said that I had took 300 dollars from that same ATM for which I had never even attempted to take out. I went to my local BOA in Amherst for which they said they couldn't do anything until the transaction went through.
Then when the transaction went through I went back to the BOA for which they connected me to the fraud department. I then argued with the fraud department person who said that there was very little chance that the investigators would believe me since the transaction occurred 15 seconds after I transaction I said I did do. I then asked her why would the atm would deny my actually attempted transaction but then somehow let through a 300 dollar withdrawal. She then said that was something the investigators would have to look into. I then said that if it was very unlikely for me to get my 300 dollars back filing a fraud claim that I would rather file a ATM claim to prove that the atm was 300 dollars off. She said if I did not attempt to withdraw 300 dollars I have to file a fraud claim. The thing is I had my card on my the whole time and therefore I don't believe it was fraud because no one had my car and used it. I believe that it had to do with a faulty ATM machine. I eventually just filled a fraud claim for which they told me the results will be mailed to me in 45 days.
Then after I filled the claim the associate at the BOA I was at told me that the machine had first denied the 300 dollar withdrawal and then it approved it the second time due to a payover. He did not know what a payover is and neither do I. What I don't understand is why the atm machine would deny 3 transactions but then suddenly allow the 4th. Also I don't understand why they can't just look at the video camera's at the atm machine and see that I did not take out the money or even attempt to withdraw it. I also think that I was not treated with respect because of my age and the fact that it was only 300 dollars. If anyone has a suggestion to help me with this situation, I would appreciate it. Thanks.
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