Monday, September 26

How to act if the ATM does not give you your money


The Organization of Consumers and Users explains how to act in the event that the ATM does not give us the money we have requested by mistake. Let’s see the instructions to follow.

It is not common for this to happen, but it can happen that sometimes when we go to the ATM to request money, it does not get us the money, or even does not know a different amount than the one we have requested, in some cases even when on the receipt the amount requested is correct.

The OCU tells us about the possible causes and solutions for this type of situation, which from here we hope will never happen to you, but it is better to be cautious and be prepared.

Among the causes that the organization tells us, we can find three options:

  • A simple operational failure of the cashier.
  • It is also possible that the ATM has run out of bills and then cannot supply them.
  • The last option is that the ATM has been fraudulently manipulated. The best known ways to do this are the cash trapping or skimming.

Cash trapping consists of a device that remotely blocks the exit of money from the dispenser, and once the user has left thinking that there was a technical failure, this block is disabled and the thief can get hold of the money.

The skimming It is a technique that allows them to copy our magnetic stripe of credit or debit cards, to avoid falling into the use of it, the National Police gave a series of instructions to follow.

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They also tell us what to do in case the ATM does not give me the money and/or gives me an amount lower than the one requested:

  • Check that the cash out slot is not blocked.
  • Yes coincides that the office is open at the time of this problem, We must inform you as soon as possible to any of the branch employees
  • If the branch is closed or it is an ATM that does not have offices, do not leave without the money, and before leaving call technical assistance for incidents whose number usually appears on the cashier. Try to find a solution and ask for an incident number before your claim.
  • In case your bank is different from the entity that owns the ATM, also inform them of what happened.
  • take photosif possible, and write down the details of the ATM, as well as the time the operation was carried out.
  • If the cashier has issued a receipt for the transaction, save it. And if there is no receipt, take a photo of what is shown on the screen.
  • Check the charges and payments in the current account. If a charge appears for the amount not received and it is not regularized after a few days, claim your entity.

In case the card has been left inside the ATM, before or after withdrawing the money, there are several reasons for this:

  • Most likely there is a technical problem. Power outages could also cause this effect.
  • It is possible that the card is retained because there is an incident: it is expired or blocked.
  • Another possibility is that you wrong several times when entering the PINand for security the cashier retains the card.
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In this case, the OCU recommends blocking the affected card, either by calling our bank, or even from our bank application if it supports it.

Credit card

Why experts recommend always using a credit card instead of a debit card

Although the OCU recommends that if your card gives you many problems, and your bank does not respond as expected, you can always change banks. Here we show you some cards that allow you to withdraw money at any ATM without any commission.

These are the reasons and the instructions to be followed by this organization, and that we must follow if we want to be covered and be able to access any type of solution. We hope it will help you in the future.

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