300 withdrawal taken out of my account after i already left that Bank of America atm?

Question

I then said that if it was very unlikely for me to get my 300 dollars back filing a fraud claim that i would rather file a ATM claim to prove that the atm was 300 dollars off. She said if i did not attemp to withdraw 300 dollars i have to file a fraud claim. The thing is i had my card on my the whole time and therefore i dont believe it was fraud because no one had my car and used it. I believe that it had to do with a faulty ATM machine. I evntually jsut filled a fraud claim for which they told me the results will be mailed to me in 45 days.

Then after i filled the claim the associate at the BOA i was at told me that the machine had first denied the 300 dollar withdrawal and then it approved it the second time due to a payover. He did not know what a payover is and neither do i. What i dont understand is why the atm machine would deny 3 transactions but then suddenly allow the 4th. Also i dont understand why they cant just look at the video camera's at the atm machine and see that

Answer 1

Sound like that bank is difficult. I would call a lawer...he/she should have the right to review the tape and all of the info related.

Answer 2

call  813-882-1109 and talk with Melanie> She is with BofA and works under the CEO Mr. Kenneth D. Lewis

Answer 3

Here's your answer:  study this.

http://www.snopes.com/fraud/atm/atmcamer...

What to do about the bank denying your 300 back:

Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: “we could not do anything for you" or “you waited too long; it has been more than 60 days".

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!

DO NOT TAKE NO FOR AN ANSWER!

Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.

Remember… Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck… Let us know how you do!

ED Magedson – Founder, Rip-off Report.com & Author of www.ripoffrevenge.com

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