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.