So, I use an ATM one day back in October. I go through the transaction to get $60. Right at the end of the transaction the ATM tells me they charge a $2.00 fee. Now, my bank reimburses me $1.50 for these things, so I decide NOT to get the cash there and cancel the transaction. I get no money, no receipt. I go to another ATM that only charges $1.50, so it is a wash.
2 days later my online bank statement shows a $62.00 charge ($60 plus the $2 fee) from the Bank of America ATM that I cancelled the transaction on. I call my bank, explain the situation, and they say they'll research it. 1 week later they issue a provisional credit, and then in December I get a letter saying that the company they use to handle inter-bank transfers like this says it looks good and we are set.
Well, about 7 days after that I get dinged again for $62.00 - I call up, they say "oops - looks like an error, we'll get right on it". 3 weeks later still no love. I call them again, and they say now that Bank of America is not going to refund me, insisting that I got the money from the ATM.
WTF? Can't you chowderheads tell at the end of the day that the cash you show going out isn't equal to the cash you still have in the machine?
So, looks like I don't have much in the way of options - how do I "prove" that I didn't get the money? $62 isn't going to kill me, but it is my money, damnit, and it appears that it is my word against Bank of America's.