ATM Problem - oh no:(

We went to the Scotiobank ATM this morning and I tried taking out 15,000 Jamaican and got the message that I had exceeded my daily International Withdrawal limit. Figuring that was a fluke since I knew I hadn't - I tried the other ATM for a total of 3 tries. Then I headed over to the NCB ATM and successfully withdrew.

Upon returning to the hotel - I went to contact my bank in Wisconsin and tell them of the problem and find out what was going on - only to see that the money for the 3 failed withdrawals had been debited from my account when I hadn't gotten a cent!! Email my bank - they say you have to talk to THAT bank so back to Scotiabank we go. The gentleman there wouldn't even take my info - he said that the machine will correct itself and put the money back in 2 days. Am I out 45,000 JA or will it really correct itself?? Anybody ever have something like this happen?

Did you get a paper receipt that shows you didn't get the cash?

I had that happen to me a ..briefly panicked but it did get corrected...I am now paranoid about using the cash machine there and will avoid it at all costs to avoid the hassle and concern..

three years ago at this time, i travelled through jamaica and tried taking out my daily limit at black river.
the machine did its thing like normally but spit out NO money.
no slip . . . machine out of paper . . .
never recouped that money . . . had no receipt to show anything.

Same thing happened to me there as well. And was handled the same way as stated. :0

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Originally Posted by fargoman

I had that happen to me a ..briefly panicked but it did get corrected...I am now paranoid about using the cash machine there and will avoid it at all costs to avoid the hassle and concern..

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YES I have had this happen, with a positive result. TRUE, you will have to wait a couple days to see if the transaction reverses itself, because usually it does. (But good that you reported it, you want to establish the authority of your claim.) When it happened to me I contacted NCB (right there while I was at the ATM) and they said if the transaction doesn't reverse, I should contact my bank and have them write NCB verifying that I did not get the money back. My bank (Schwab) had no problem doing this. NCB probably reviewed transactions on there end to verify and, the funds were returned to me.

When you got the first message you maybe should have called your bank (on the card) and checked on it. Your bank may have put a hold on the actual funds, even tho the receipt showed dispensed. I feel 95% that all will be well tomorrow or in the next few days.

Another positive story on the topic, at the bank (NCB) yesterday I observed a young Jamaican come in with the same complaint. The CSR was able to look in his account, asked him questions, filled out a report, went and got approval for it and told him it should be returned to his account in a couple days (she 1st said to watch it a couple days but the days had already passed). >>> And then one of those delights of Jamaica that charm my very soul happened, even tho it had taken a long time to serve him, and the bank was extremely busy and she had several customers coming and going at the counter (who she helped while waiting for the data to come up), at the end she looked directly to his eyes, addressed him by name, said something reassuring or apologetic for the problem and sincerely asked if there was anything else she could do for him that afternoon. Lovely Jamaican manners, so gracious. I was standing next to him and felt the blessing of her attention on him, and any angst I had about getting through evaporated. She completed my business just as thoroughly and I left feeling so good.

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Originally Posted by JitterBug

three years ago at this time,
no slip . . . machine out of paper . . .
never recouped that money . . . had no receipt to show anything.

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Jitterbug (Hi!), did you ever contact the banks about it? Your bank transactions are as good as the ATM receipt (which probably would have showed the money was dispensed, anyway).

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Originally Posted by captaind

Did you get a paper receipt that shows you didn't get the cash?

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It did not give me a paper receipt:(

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Originally Posted by Lola

Jitterbug (Hi!), did you ever contact the banks about it? Your bank transactions are as good as the ATM receipt (which probably would have showed the money was dispensed, anyway).

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hi lola, yes i did! . . . the jamaican bank insisted that i got the cash . . . my bank of nova scotia did their best, but in the end, the jamaican bank would not reverse . . . the dispute went from jan. to june!!! . . . all i know is that i was out that money!!!

Two years ago a power outage mid transaction, machine by hilo ate my card and said cash was received. I tried to get card back but because it was out of country card they would not return or give me cash. Called bank of Montreal and cash had been removed from my acct. Notified bank in Negril and they also told me it would be returned......took about a week but it was returned. Hope it works out as well for you.