How to Avoid and What to do If the ATM Did Not Dispense Cash But Debited Your Account
As the saying goes, there’s always a first time for everything. It was last Sunday evening that I experienced to be debited in my ATM account. The cash I was supposed to get was for grocery and for my sister.
A SHORT BACKGROUND
I withdrew at an Eastwest ATM machine at the newly opened Landmark Store in Alabang. I checked my balanced first before clicking the Withdraw button. I’ve waited for 3 minutes for the machine to release my money, but it did not and instead the “Transaction Timed Out” message was displayed on the screen. I thought that the machine was broken, so I took my ATM card and went to another ATM machine (UCPB) outside the mall.
When I was at the UCPB ATM machine, I directly clicked the Withdraw button, but unfortunately, the “You don’t have enough balance” flashed on the screen, I tried to withdrew twice and the same message popped up. That’s when I decided to check my balance again. To my surprise, at nangatog at pinagpawisan ako talaga, na debit ang account ko sa Eastwest ATM machine inside the Landmark Supermarket.
I ran back to Landmark and reported it to their customer service. I was already panicking at that time at hingal na hingal when the person at the Customer service, calmed me down and told me that she will contact the bank to help me report the incident. Nahimasmasan ako mga besh! Thank you for the angels here on Earth.
I have talked to my bank’s customer service agent and they told me to wait for 5-7 days for an investigation and for my money to be credited again… grabe ang hassle sa tagal.
Pero kahit na asar at takot naramdaman ko at that time, I’m still thankful na hindi ko unang naisip mag withdraw sa labas ng mall, since gabi na mahirap na maghanap ng tutulong (I really don’t know what to do since as I have mentioned, it was my first time to experience such error). In times like this, I wish I have just transacted to the old school passbook-teller thing.
Now, I want to share some tips to perhaps avoid this thing happening to you also.
How to Avoid Being Debited in Your Account?
- As much as possible only withdraw in your bank’s own ATM machine. There’s a lower rate that this will happen to you.
- Make sure to withdraw in an ATM machine that has someone doing some withdrawal before you already. Doing this will help you determine first if the machine is working or not.
- You know that ATM machines has its own camera, but it only takes a picture in front of the person withdrawing (as far as I know), so it’s advisable to choose a machine inside the mall or area that you know that has it’s own camera. You may have not avoid being debited in doing this, but it will give you assurance that during the investigation, they can see that you really did not get the money you withdrew.
What to do If the ATM Did Not Dispense Cash But Debited Your Account?
- Report the incident as soon as possible. That’s why I will suggest to withdraw in broad daylight and while the banks are still open so that you can use their phone to call the customer service. Yes, even though you are already inside the bank they will still ask you to report the incident to their customer service for record purposes.
- I know you’re frustrated and perhaps scared at the same time, but remember to record the date, time and location where the malfunction happened.
- Keep the ticket number that the customer service attendant gave you. You’ll use that number for following up your account with them.
- Always check the balance after unsuccessful withdrawal, so that you’ll know where the transaction happened.
- Do not go far from the machine immediately, wait for the person next to you if he/she will be able to transact and if he/she will not get your money. Doing this will just assure you that nobody got your money.
This incident is frustrating. I am glad I still have some cash with me and was able to go home and text my husband about what happened.
I’ll update this post when my money has been returned to my account already.
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napabalik poba at ilang araw inabot?
2-3 days ang akin sa pagkakatanda ko
Pano po yun yung atm ko po nagwithdraw po ako sa 7/11 rcbc po yung card ko tas walang lumabas n pera nireport ko n kanina sa rcbc sabi sakin wait ko daw approximately 10 days kinuha n din nila yung gmail accnt ko at yung number ko makukuha ko pa po kaya yung pera ko?
nakuha ko yung akin, so after investigation sana makuha mo din yung sayo. Pero ang tagal ng 10 days
I’m sure most people here got their money back in a week or 2, just like me as long as you call your bank RIGHT AWAY after the incident or go to the nearest brach to file a case. My advise is not to panic. Patiently wait for 5 to 7 business days and if the money isn’t credited yet after the given timeframe, follow up uli sa customer service. People venting in forums or blogs like these, usually don’t go back to give an update about their money being back so don’t get too worked up reading negative comments. Your money will be back. Cheers!
Same here , nag withdraw ako sa Chinabank naman. Unionbank din ako
. 14 banking days daw. Sana na debit lang 😭😭 umalis ako agad doon sa machine eh.
binalik na po ba? same incident
My withdrawal showed “debit memo” for 3 days and now shows “withdrawal from other bank”. I contacted customer service on the day of error so why has the monies not been refunded to my account ?
Nabalik na po ba? Sobrang tagala sakin huhuhu. I supposed to to withdraw money from east west atm machine using mg Union’s bank atm pero yon nga the same thing happened to me account was debited but did not dispense cash. They told me to wait 24 calendar days but then again before 24 calendar days end UB told me na too wait another 7 days because my case is a bit complicated and need a thorough investigation.. huhuhu I am so frustrated.
mam ask ko po what to do nagwithdraw asawa ko sa bdo atm using gcash mastercard then nag unable to process ang atm then wala lumabas na pera then nadebit yung gcash ko pero wala pera na nareceived. I received text from gcash na successful yung transaction and after reporting and after waiting for 18 days bdo says na successful yung transaction pero wala naman nakuha na pera. Ano po kaya dapat gawin. nareview na din namin cctv sa sm pero wala talaga nakuha asawa ko. Is there any way kung ano pa pwede po namin gawin? please help po. thanks!
Alam yan ng BDO dahil hindi magba balance ang account nila dahil sobra ang cash kung hindi sya tanggap ng cash sa ATM. File a complaint against BDO style nila yan palengke banking yan.
Hello po, kumusta po naibalik ba sainyo ang money niyo? Skn din same tayo 5k nd lumabas nagreport na ko 3times wala daw nd match yung ncident na ibinigay ko nakakasad nagfile ulit ako.. Bpi din atm ko
Same po. BPI din po ako, and yung atm na pinagwithdrawhan ko metrobank. 5k din. undispensed withdrawal ang nangyari. pero may nag wiwithdraw naman bago ako at may nakapagwithdraw rin pagkatapos ko.
na debit din ko kagabi (december 22 2020) although 700 pesos nalang laman ng atm ko supposed to be pambili q ng gamot sobra q nanghina last money q na bale un. di sya nag despense ng money wala rin lumabas na resibo. tpos nag back to normal na un atm machine. pag check q sa bpi online apps. debit memo lumabas.
I had the same situation right now. Di ko siya maprocess kasi sarado ang bank kasi Saturday. Paano po ba yun?
itawag nyo po
Bpi po atm ko nag withdraw po ako sa metrobank hindi na ako nag balance agad withdraw ng 5000 ang tagal kung nag hintay na may lumabas na pera pero wala talaga..Naireport ko kanina sa metrobank mismo,ang sabi sken punta raw ako sa BPI Branch at dun mag report about sa nangyari.Paano po yan wala akong resibo na galing ako sa metrobank. Tapos nung nag punta ako sa BPI account pata mag balance 1000 nlang ang nasa Atm ko..Ano ang dapat gawin
Ako po kanina, nag withdraw ako sa atm security bank using metrobank card. Nailabas naman ung pera yun nga lang hindi ko nakuha agad. Nung kukunin ko na sana yung pera OMG, nagulat ako kasi kinaen ulit ng machine ung pera na ni withdraw ko. 🙁 paano kaya dapat kong gawin. Holiday pa naman nun chinese new year kasi
report it
Nabalik po ba yung pera mo mam?same case kasi tayo
mine is 2 months na since dec hindi la nibabalik ng eastwest bank. hhaaaay ang gulang
ma’m? ganun din po yung nangyari saken kanina lang.. nakuha nyo na ba po? ☹️
Hello po.. Nagyari din po sakin ung ngawithdraw sa bdo atm machine gamit ang metrobank atm ko.. Ng withdraw po aq ng 10,000 tapos po ang tagal q pong inantay ung pglabas ng money after ilabas ung atm q… Pero matagal po talaga.. Kala ko po ngdedespense ng ng money.. Sobrang tagal po talaga.. Hanggang sa bumalik sa first step ng pg wiwithdraw ung atm machine.. Ngtagaka po talaga aq kc dipa po nilalabas ung 10k ng winithdraw q… Then para makasiguro ng balance po ulet ako… Wala na pong laman atm q.. Nakakapanglumo po halos mangiyak n aq kc sahod q po iyon.. Ang masama po walang resibo yu g bdo atm machine… Ano po kayng nararapt gawin..?
itawag nyo po sa hotline
Same experience po sakin. Walang lumabas na receipt from bdo machine. I already reported it thru gcash support yet until now wala pa din pong response. May I know po kung narefund na po sa inyo yung money?
Hello po, kumusta po naibalik ba sainyo ang money niyo? Skn din same tayo 5k nd lumabas nagreport na ko 3times wala daw nd match yung ncident na ibinigay ko nakakasad nagfile ulit ako.. Bpi din atm ko
Ako happened to me last sat Feb 29,2020. Sa PNB ATM machine ako nagwithdraw tapos bdo cash card gamit ko. Naghang lang ang machine walang nilabas na Pera, ATM and receipt lang lumabas. Grabe hinayang ko kasi last pay ko yun sa work and pang prenatal check up ko this week. Nagreport ko na sa bdo 15days daw. Sana maibalik na sa account ko.. 😖
Ako naman today ngyari yung incident im a PS Bank carrd holder then sa Business bank ako ng withdraw then transaction completed naman at parang mgdidispense ng pera pero lumabas na yung ATM and Receipt wala yung cash so kinabahan na ako sarado pa yung banko 7:07am palng kasi ng umaga nghintay ako almost an hour baka kasi lumabas yung pera at makuha ng iba then may isang nagwithdraw din same na debit din kanya haist nakakadisapoint kasi yesterday pa pala madami nadebit but still pinapagamit pdn nila yung atm machine what if for emergency purposes yun so mag aantay pa ng ilang Banking days para mabalik pera namin!!grrr..nakakafrustrate im a singlemom excited pa naman ako today dahi mabibilhan ko na supplies baby tapo ganyan..nakakapanlumo haist!nareport ko naman ako pero sabi 3-5 banking days pa..nakakapanlata
Last night I went to PSBank SM to withdraw my salary. First thing I did nagcheck ako ng balance at 14753 pa balance ko so nagwithdraw ako ng 10000 pero may lumabas sa screen ng machine that they cannot process my transaction tas nilabas nga yung atm ko pero wala syang nilabas na transaction failed receipt. Pag punta ko sa Eastwest nagulat ako na 4743 na lang balance ko. Nadebit ako ng 10000 without receiving money. Mababawi ko pa ba yon kahit wala akong transaction failed receipt? I just need help on what to do kasi it’s my first time to experienced it. Thank you in advance!!
report it sa bank
Yung gamit ko is bdo debit card.nagwidraw ako sa bpi ng 10k nagwait to dispense cash pero biglang nagshutdown Ang system..inantay ko ilang minutes Hindi tlga lumabas Ang 10k ko…maibabalik pa Kaya Yun …hindi Naman siguro madispense Ang pera pag nagbalik online Ang system..natakot kc ako bka nung pag alis ko is lumabas Yung 10k ku at nakuha ng iba..pls bigyan nio ko suggestions
report the incident sa bank kung saan ka nag withdraw
I have the same experience, My husband withdrew 10k of my salary (Im using Security Bank payroll Debit Card), sa BDO ATM terminal sa Savemore Novaliches Bayan, July 13,2019 at 12 noon, Unfortunately, my husband waited for a while and no cash was dispensed, Ginawa ng husband ko is immediately nireport nya sa security guard na malapit sa atm machine and pinapasok sya sa loob ng bank, then the CS of BDO called the CS of Security Bank to file the complaint. BDO said to my husband that it will be resolved with 5 to 10 working days. Umuwi sya sakin then reported everything to me, di ko alam mararamdaman ko since this is the first time that it happened to me, I really do not know what to do.
So, pagkareport ng asawa ko sakin, I called SB Customer Service and waited long enough for them to answer, but I waited patiently. The lady told me that it was already been reported and subject sa isang investigation that will take 15 working days but it will still be earlier than that.
I followed up today July 15, and ask if they can prioritize and expedite the investigation time frame, but they really insisted that the process is 10 to 15 working days.
I will definitely update if I already got my money, they assured me that they will notify me through a text message from Security bank of what will be the result of investigation.
This happened to me too, BDO naman. It took them 30 business days bago ibalik yung sweldo ko 🙁
ang tagal!
Waaaaaa it was happened to me just now! I was so frustrated. 5 working days daw huhuh 10k was such a big amount especially para sa babies ko yan dahil mga nagmmilk pa. Sana maibalik sakin agad bdo utang muna ako pang gatas ng mga anak ko. Huhuhu
4 years na ko gumagamit ng atm card na inopen ng asawa ko sa Japan. Wala nman akong naging problema.Madalas Metrobank at Bank of Commerce atm machines ginagamit ko.
So i never thought it will happen to me.
Today,March 1.
2 days before my child christening and 4 days before her 2nd bday.
Nagpdala asawa ko panggastos nmin at allowance nmin.
Sa BPI ako nagwithdraw for the first time.
Lumabas ung receipt
Tas amount too large daw 20k.
Hinihintay ko un cash kc may receipt n lumabas,so i thought may pera lalabas .
Pero wala tlga,
Nanghingi ako ng tulong sa guard sabi nya try ko daw smaller amount.Sabi ko i did.pro wala din tlga resibo lng.
Kya aun nagtry ako Bank of commerce wala din kc may system problem daw.
Punta ako Metrobank,wala na insufficient balance na raw kc 10k winiwidraw ko,
I tried 8k,wala din daw,
I tried 5k wala din.
Then lastly i type 4k
Un lumabas sya,pro wala na ung iba pera.
Kya nagbalik ako sa Bpi.
At nagfile ng Complaint/Report.5-10 days daw tas ifollow up ko.
I wish and pray na sana maibalik p din sa kin ung pera pra un sa anak ko.
Kinalabasan tuloy mangungutang ako pra lng mairaos binyag at bday ng baby ko.
Pera na,nagkaganun pa.
Hindi ko tlga inaasahan n mangyayari ung gnun.
Pro ngyari.
Pro patuloy p din ako nagdarasal n sana marestore ko ung pera.kelangang kelangan nmin un ng mga bata eh.
Hello po nabalik napo ba ang pera sa inyo???
Same case na nangyari sakin this night past 7pm i tried to withdaw 10k sa atm machine ng bpi but i am unionbank card holder. Walang nag dispense na pera kaya tumawag ako agad sa ubp sabi nila 15 working days pa. Sana maibalik talaga yung pinaghirapan kong pera
ang tagal ng 15 working days.
hello po, same thing po nangyari sa akin, sabi nila sa akin 3-5 days, bale tuesday pa po last week nangyari, hanggang ngayon po di pa naibabalik yung pera ko :-(, 10k po yung na iwdraw ko na hindi ko po nakuha kaya stressed napo talaga ako.
Hello po, naibalik na po ba ‘yung na-debit sa inyo? Mga ilang araw po ang tinake?
nag withdraw ako now mga 5 pm ng hapon 6500 pung pera ng asawa ko wala syang putal kya sabi ko magtitira ko para may laman ung bpi card nya. nung i wiwithdraw ko na lumabas na insuffiecient funds. nag try ako sa katabing machine 6k lumabas nag balance ako to make sure na may balance. 5 pesos nlng ung lumabas na balance nya. nawala na ung 500 . malaking bagay at marami pa rin mabibili un kaya irereport parin namin. sana. lang maibalik
Nabalik napo ba?
It happened to me just tonight (December 19, 2018, 22:53:14), and this is the reason why I’m browsing on similar incidents so that I may know what to do and reassure myself that things will work just fine 🙂 I’ve already sent an email to my bank. I’ll personally report this incident first hour in the morning.
same thing happened to me today . same bank eastwest din . nag timed out din siya kabado ako ng bongga . pag uwi ko sa bahay tinawagan o agad bpi and they immediately made a report about what happened . hopefully maibalik yung pera talaga . 7 banking days daw . mejo nabuhayan ako ng loob ng mabasa ko tong blog na to kasi same talaga siya ng nangyare sakin .
Same ngyari sakin kahapon eastwest bank sa 999mall bldg 2. 10k hindi lumabas. Sabi 24 hours to 5 banking days sabi ni bpi ng magreport din ako sakanila personaly.
Hi po nakuha nyo b money nyo wthn 24hrs?
Naibalik po b pera nyo? Same situation po ung 10k q na debit😔
Hi! It just happened this afternoon around 2:00 pm. I tried to withdraw from a Metrobank ATM machine. I inquired first to find out how much the card contains. I saw that my card balance was 11,081.66. I tried to withdraw 10,000 but it gave me an error message displayed as “SORRY I CAN T PROCESS YOUR TRANSACTION”. I tried again and for the second time, the same error message was displayed. At the bottom of the screen there was a message “WOULD YOU LIKE TO MAKE ANOTHER TRANSACTION?” I pressed NO and waited for about 7 minutes but no money came out. I moved to Security bank atm machine to withdraw the money, but I was shocked to see that there was only 1,096.66 money left. Please advised : (
same thing happen to me just today east west bank pag withdraw ko transaction timed out pag check ko s bdo nabawasan ako ng 10k s accnt ko super panic tawag agad s knila after ko ma discover mga 20min cguro lumipas tinawag ko s knila agad at un nga 5 banking days daw….hopefully makuha ko sya kc pinag trabahuhan ko un for 15days ill inform you guys pag nakuha ko n
Same here.. landbank atm gamit ko nagwithdraw ako sa BDO atm machine. Before ako nagwithdraw ng balance inquiry Mona ako my balance was 9800.. nagwithdraw ok ng 6000, the atm machine reles an atm receipt states that “unable dispense” Walang cash na lumabas.. Sabi daw Walang cash Ang atm, Sabi ng kasama ko wag mo daw lakihan Ang pagwithdraw.. so, lipat ako ng machine BDO parin. Direct withdraw nlng ako Kasi Alam ko nman magkano balance ko. Nag withdraw ako 3000 ok Naman.. shock nlng ako ng lumabas atm receipt Yung balance ko is 800 nalang.. nasaan na Ang 6000 ko..¿????😲😲😲
Hi same scenario po kahapon lang. Landbank din card ko nag check ako ng bal sa BDO machine, OK 36k ang laman nag withraw ako but walang perang lumabasas at resibo wala din. Lumipat ako sa Pnb pag check ko ng balance ko is nabasan na ito ng 5k. Nag report ako sa BDO bank pero ang sabi lang sakin itawag sa Landbank muna to report. Paano po kaya ito? Na stress ako.
same here. landbank ginamit ko sa bdo. pumunta po kayo ng landbank? hindi kayo ng file ng complaint sa bdo? thanks. pls reply
Nkuha niyo npo b maam
ngyari sa akin to may 25, 2018 ang nakakaloka offline pala at down ang system ni bank pero walang noticed sa atm ng ucpb natakot ako nung lumipat ako ng ibang atm machine at pag balance ko 149 pesos nalang ang pera ko grabe kaba ko at bumalik agad ako sa bank ng ucpb para ireport at sabay sabi mam down po pala system namin nakakaloka. im waiting to 5 to 7 days at sa metrobank is 45 days hassle.
Hi! I just had the same experience at the same place and the same east west atm machine a few hours ago. Sobrang nakakaupset. What happened na to your complaint? They told me to wait for 15 banking days which I think is sobrang tagal lang. I hope maresolve na tong incident that we both had and sana di na mangyari to others.
okay na yung sakin in less than 5 days naibalik pera ko
Bdo Po atm q Panu Po Kung di lumabas pati resibo atm lng Po lumabas naireport n Po nmn s bdo Ang nangyri d lng aq sure s exact time pero ung security bank kng San Po aq ngwithdraw nasabi q nmn Po s customer service Ng bdo gano Po Kya ktgal un maibalik p Po Kya 5k na sinashod q?
3-5 days daw po usually
Hello po ako po problema ko nagwithdraw po ako gamit metrobank cashcard ko sa bpi machine 15000 k lumabas sa dispenser imbes na 11k above lang sana pano po iyon bka kaltasan ako sa sunod na sahod 😢