Hmmm, I returned with a similar issue. Used ATM twice at downtown Scotia. Switched to ATM by Valuemaster because of the fees. Used it Jan 4 and 5 at Valuemaster but when I got back there were 3 on the Jan 4 and one on Jan 5. 2 on the 4th had the exact same transaction number. One of those was before my receipt and one after even with same transaction. Both bogus transactions used Jan 5th JMD to USD conversion rate instead of the 4th. One of the bogus was credited back a few days later. Still waiting on the other one.