ATM 101

ATM – 101 (ATM Safety)

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Here are a few things to consider the next time you use an ATM Machine. When you are in a long line waiting to use an ATM machine pay attention to what is going on around you and at the ATM machine. A great spot for a would be robber is to stand near an ATM machine and try to detect if someone is dispensing a large amount of cash, then he would follow them at a distance so as not to be detected looking for the opportune time to ask you for your cash. Another reason is to see if people are actually getting any cash out of the machines. If you see people walking away looking kind of discussed this machine may be out of cash or broken. Especially if several in a row all walk away empty handed. Often it takes them a while to get the “Out of Service” sign on a machine that is out of cash, and the guard will likely do nothing.

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NOTICE:

ATM WARNING:

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Here is an incident that happened to us and likely many other unsuspecting ATM users on April 5th at the BPI ATM machine at the  Gaisano Metro in Cebu City we were in line with 4 people in front of us. I was watching and noticed all four walked away with no cash. I thought to myself either these guys have no money or the machine is out of cash. When We got to the machine and keyed in our request for P10,000 the machine acted like it was counting the cash then suddenly quit and reported we only had P400 in our account. I thought “that’s funny” We knew this was incorrect and thought the machine might be broken and reporting an incorrect amount. The guard also told us this ATM was not working correctly, (so why is he continuing to allowing people t0 use a machine that is obviously broken).  Anyway so we went to another location at a BPI bank and used that machine.  We were able to withdraw the P10,000 but was told the balance was now only P4000, and we know there was more in it. So where did the missing P10,000 go, the only likely answer is that the first ATM deducted the amount from our bank but did not dispense that amount to us. The receipt said no bills dispensed. but when I got home I checked my bank and noticed the account was deducted two times that day once a Gaisano Metro and once at the other location. We were able to go into the bank and register a complaint against that machine. They told us if the finding was that  the machine did deduct the money we would get it back into our account in 5 business days. If they try to tell this ATM did not deduct the cash I have proof on our statement that it in fact did.

My feeling on this is, if the machine looks like it is not working correctly, lots of puzzled looking ATM users, just walk away and try another machine and save yourself a big headache. I believe BPI bank to be a good bank and do not think they would willingly try to cheat it’s customers out of cash. And we plan to open a checking account with them soon. I am ready to retire my US account.

 

UPDATE:

BPI has returned all the money back into my account. So if this happens to you just go inside the bank and fill out a complaint form so you can get your money back.

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Charles

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