I get paid via a ComData card and have to get the funds from an ATM. On August 12, I needed to remove $1800. I use the ATM at a local Capital One, as the withdrawal limit is the highest around ($800). Three withdrawals were required...two $800 and one $200. The first $800 transaction went well. The second...not so much. The money dropped, but was discombobulated and stuck in the slot.
The machine dispenses in twenties. I was able to remove ten of them, but the machine sucked the rest back in. Just to be sure it wasn't dispensed in the next transaction, I went ahead and did the $200 withdrawal, which went fine. I immediately called the number on the ATM machine as it was after hours. They told me I had to go into the bank the following morning and talk to someone there. The following morning, I did just that.
The people at the bank were very nice, but said they couldn't help me and said I had to go through ComData. They even gave me the number to call. I called ComData. They sent me a dispute form via e-mail. The guy on the phone said it would take 7-10 business days to resolve the problem. Well, he actually said it wouldn't take that long but he had to tell me that. I sent the form back to them soon after I received it. I even called ComData while I was completing the form to be sure everything was correct. They said I would be notified of any action.
Well, ten business days later, I had heard nothing. I called ComData to enquire about it. They acted as if they had never heard of the situation but assured me it must be under investigation. They also told me after ten days, the money should be credited to my account if the investigation wasn't complete. Again, they said I would be notified. After a few days of hearing nothing, I called again. Again, they acted as if they had never heard of the situation, but this guy appeared to take it seriously. Two days later, the money was credited. This was September 1.
Well, on September 16, I tried to pay a bill with my card and was told it was rejected for non-sufficient funds. I looked online and found that $600 was taken from my card. I immediately concluded that the bank refused to pay the funds and ComData took the money back. I called ComData the next day. I simply wanted a reason or explanation. They refused to tell me anything and told me I had to call Capital One. I did just that. I called the customer service line. They said to call the branch. I called the branch and talked with a manager. He said ComData was mistaken in telling me to talk to Capital One and that ComData should have all the necessary information. He also advised me to request another investigation. He didn't know anything about it anyway as those things are handled through a separate department. So, I called ComData again. This time, the woman was hostile. She said it was between me and the bank and she couldn't help me. I said I simply wanted an explanation and would like to know what investigation was done if any. I asked how to go about requesting another investigation. She said, "They're not going to do another investigation. It's real simple. The bank said no. Call them."
So, I called the bank for a second time. It was a different manager this time, but she told me the same thing. ComData was responsible and she could do nothing. However, she did transfr me to Capital One's dispute department in case they could help me. The lady in the dispute department told me the same thing as the two managers. ComData is the one who handles this. I called ComData for a third time. This time it was someone different. He was very nice but told me the same thing. I had to call Capital One. Completely frustrated at this point, I told him I had gone back and forth all day long and this wasn't helping anything. I asked him what recourse I have. He said he would talk to his boss and see if she could possibly call Capital One and find out who I could talk to. He took my phone number and said someone would call me. This was September 17.
Well, as expected, I never received a call. However, when I checked my accout online, September 23, there was a $600 credit. The description was "REPRESENTMENT AUTH 550366 8/12 E REYNOLDS". I assumed someone actually did an investigation and found that the claim was legitimate. Well, I should have known better. I checked the account today and they have taken the $600 again as well as an additional $36. The description next to the $600 debit is "2PR REVERSAL AUTH 550366 KTROXEL SAPA" and the description next to the $36 debit is "REPRESENT FILING FEE AUTH 550366 KTROXEL SAPA".
I just called ComData about this. Guess what? They told me I had to call Capital One. I called Capital One. Guess what? They told me I had to call ComData. Neither will budge. I don't think this is an issue for the police. Who else is there?
Is this an issue for small claims court? If so, which bank should I persue?
Sorry for the very long post. It's not the typical "ATM ate my money" problem.
Thanks in advance for any help.