Hello PF, I was in Bali this past September and used my Capital One 360 atm card regularly. There are 5 back-to-back withdrawals for $187.37 from 1 atm that are not correct: I never got that money. Unfortunately, Capital One is refusing to reverse those withdrawals. What can I do?
There was 1 atm on Sep 1 where I put my card in, entered my pin, asked for the money, but didn’t receive any money (even tho the atm indicated I had). That atm shows up on my statement as “RM VIN + ADVDPS BADUNG MP, ID”. I did this multiple times (can’t remember how many). I didn’t think much of it since I’d read about this happening to others who said that the bank corrects the error at the end of the day when they balance the machine. I try a couple of other machines that day, but no luck: none of them are working for me.
A day or two later, I really need cash so I call Capital One who tells me they had locked my account because of 5 suspicious withdrawals. This is when I first learned of these withdrawals. I assume this is the atm where I asked for money but nothing came out. No problem: they reverse those withdrawals (pending the results of their investigation) and reactivate my atm card. I use my card successfully while still on the phone with the representative. I continued to use my atm card successfully for the duration of my trip.
Fast forward to mid October when I’m back in the US. I see new, current fraudulent atm withdrawals from a different atm in Bali. I call Capital One, and inform them that I am in the US; there is no way I made those withdrawals. They reverse those withdrawals, put a new atm card in the mail, and a few days later the investigation confirms that I did not get that money: hooray.
A few days after that, I see that those 5 old atm withdrawals plus interest have been taken out of my checking account balance. I call and am told that the investigation determined I received that money: boo.
I am dumbfounded. They eventually sent me a long confusing document from MasterCard which backs up their claim that someone did in fact receive money from these transactions; I asked for a video/pics of me receiving the money - they can’t provide that. I speak with a manager, who agrees to open a new investigation under the premise that those 5 withdrawals were not from the atm I thought (where I asked for money but none came out) but rather a case of someone stealing my card info/pin and taking money out (similar to what happened in October).
Today, they denied that claim and told me they will no longer discuss the matter with me or respond to messages about it.
They recommend I reach out to the owner of the atm, but they can’t provide me with a phone number or address. I can’t find anything googling the atm name that shows up on my statement. Even if I could, I don’t imagine the owner is going to be much of a help.
What should I do?
Thank you for reading, and thank you for any help!!
Submitted November 14, 2017 at 11:43AM by Dovecharles http://ift.tt/2z2cOAa
