ATM Did Not Dispense Cash But Debited My Account!

Vince

Vince is a happy resident of Baguio City. Having been born and raised in the City of Pines, he find value in helping others. In his own way he is helping others by informing them about what's new in the City of Baguio. He firmly believes that there are more reasons to highlight the positive than the negative.

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42 Responses

  1. The good old passbook only and teller only deposit and withdrawal transactions seems to serve me well. Call it low tech but I have no headache.

  2. Paul Martin says:

    sir this happened to me the other day. But it is a BDO Atm to a BDO ATM Machine. I would like to know what happened to your transaction. Did you receive your money? How many days it tooked?

    • Vince says:

      Hi Paul,

      It actually took about a week before the money was returned.

      • Melanie Lavadia says:

        Hi Vince,
        It happened to me earlier lng…ngcash advance nmn ako sa creditcard ko. ngdispense ng pera maririnig mo na ngbibilang ung machine pero d lumabas sa machine at nkarecieve ako ng confirmation from the bank that successful ang transaction.. Same thing 5-7 banking days. Ganun tlga katagal? To the point na prang mababaliw ka na sa kaiisip kung mbabalik pa ba sau ung pera. Tanong ko lng… My charges ba silang I impose? Since that was a cash advance transaction?

        • Hello,

          Yes around 5-7 days ang sasabihin nila although sa akin inabot yata ng almost 10-14 days. Regarding sa charges, ATM kasi yung sa amin kaya walang charges except your normal na fee, wala ako idea kung pareho sa Credit card cash advance.

  3. chines says:

    It happened to me today- pano pla kung emergency money yun tapos ganun na debit yung pera mo na di mo nman nagamit

  4. Adrian says:

    this happens to me this August 14,2016.
    I reported the incident to UnionBank since that is my bank ,BDO debit my account for the amount of 4100 , i withdraw twice due to maximum withdrawal per transaction which is 10000 then after that withdrawal i withdraw my 4100 then no reciept and no cash was dispense so i was shock about it.. after i reported the incident i waited for 7 banking days and money was not returned and my bank sent me certification stating that the transaction was successful and they attached the transaction history however it shows in the transaction history no cash dispense and no cash taken.. so how come they conclude that it was successful.. see.. even BDO manager can’t explain documents that i have..

    • Adrian says:

      yung transaction history na sinend ni BDO to UnionBank na sinend ni UnionBank sakin ung ang hindi nila maexplain sakin.. kasi per transaction may makikita ka na:
      ______END OF TXN______
      CASH PRESENT
      PRESENT
      CASH TAKEN

      lahat ng transaction before and after na mga transaction pati ung 10k ko meron ganyan pero ung 4100 ko wala..

      • mark andrew says:

        did they return the debited 4100 to your account? and how many days?

        this happened to me last saturday. tried to withdraw, the atm took a while to process then showed me that they were unable to process, no cash no receipt.

        nireport ko naman agad kaso they told me mga 10-15 business days daw.

        my card is citibank

        • I am not sure with Adrian however in my case yes the money was returned but it took several banking days around 10 days.

        • reinald says:

          Hi mark, matanong ko lang kung nakuha mo ba pabalik yung na debit na amount sayo? Same thing rin nangyari sakin. No receipt and no cash. Metrobank yung card ko and sabi sakin 10 calendar days daw bago mababalik if ever ma prove na di talaga na receive.

  5. Jen says:

    Hello po. Same prob po kanina lang, nag withdraw ako sa bdo machine lanbank po ang card ko. Hindi lumabas yung pera pero na debit ako ng 5,000. May lumas sa receipt “Unable to dispense” ni report ko na po sa landbank pero kinuha lang yung # ko tska nalang dae po ako tatwagan. Ask ko lang po kung may paraan para mapabilis yung pagbalik nung pera 🙁

    • Hello,
      Sa kaso namin hindi naman napabilis pero tingin ko nasigurado namin na maicomplain sa mataas na opisyal ng banko sa pamamagitan ng pagcomplain sa Banko Sentral.

      • Vanessa says:

        pwed po malaman kung panu po ung gnwa nyo para maibalik ung money na debit. it happened dn po kc knna. mlaki pa po ung amount. landbank po skn at bdo yung atm machine.

  6. mharbs says:

    The same thing happened to me kaninang umaga. Unable to dispense but nabawasan ung pera ko. Marereturn pa po kaya un?

    • Mag file po kayo ng complaint sa bank nyo, para po maprocess nila. Kapag napatunayan po sa records nila na hindi nga po nagdispense nung machine ibabalik din po yung pera sa account nyo.

  7. Emma Tsukimori says:

    Same experience happened to my friend.The BDO ATM did not dispense the P10,000 he withrawed but debited from him.

  8. Anna umali says:

    Same thing happened to me kanina lang mga 3-5pm.

    Nag withdraw ako sa BDO using my pnb card (6,000) then sabe nung ATM “sorry unable to process..” no receipt no cash. Then tnry ko sa katabing ATM, same amount pero unable to process din.

    Sarado na bank nun so wala ako makausap na matino, after nun nagpunta ako sa PNB savings. Tnry ko magwithdraw ng 500 pero wala ulit nangyari, kahit balance iquirt cannot process. Then, pinasa nila ako sa PNB allied. So painabgong byahe na naman! Pagdating ko sa PNB allied, parang sinisisi nila ako na bakit ako nagpunta sa kanila at hindi sa BDO? E malamang PNB ALLIED CARD ko e sira ulo ba sila?! Konting tulong lang naman need ko, kahit ipakausap nila ako sa cust service thru phone pero wala! like yung steps para anong gawin pero wala silang kwenta! Katulad ng hotline service nila walang ka kwenta kwenta!

    • Sorry to hear that, it is really unfortunate that they do not have standard procedure when it comes to this situations. It confuses us their clients and not to mention yung perwisyo na ginawa ng hindi pagdispense at pag debit ng ATM sa account natin.

  9. Joey R says:

    this happened to me today sa SM North Edsa nakakgigil.

  10. Lea says:

    This happened to me last night!! Sa BDO ATM machine din. I used my maybank atm card. They asked me to call again after 3-5 banking days. Malaki yung amount. I hope magawan nla ng paraan. ?

    • Hello Lea,

      Sorry to hear that, hanggang ngayon talaga madami pa din ang nakakaexperience ng ganyang problem transacting with ATM. Ang suggestion ko po lagi ay palagi po tayo magfollow up, either call or email. Check nyo din po yung steps na ginawa ko sa last part nung blog post.

  11. Keesa says:

    Huhuhu it happen to me now kaiyak 7900 then nag ask ako help sa customer service possible daw ma take ng 5 days ? im not sure if thats true i ask na kung pwd i expedite kase wala ako kasalanan dito dapat sila gumawa ng mabilis ng action or palitan na nila ung mga bulok nilang machine

    • Tama po kayo wala naman po tayong kasalanan dito eto rin po pinagtataka namin nung nangyari sa amin eto. Pinagpasapasahan ako. Ang masaklap wala po tayong magawa. Sinubukan po namin idulog eto sa Banko Sentral Ng Pilipinas via email consumeraffairs@bsp.gov.ph nagreply naman po sila. Eto na lang po siguro pwede nating gawin ang idulog sa BSP para makita ang problema, pero hindi din po napabilis ang pagbalik ng pera sa account ko.

  12. khaleesie says:

    same happend to me last sunday…using my pnb account…nag withraw ako sa bdo machine kasi no cash na sa pnb…nagbibilang ang machine pero la lumabas na cash.. sobrang kailangan for the burial of my father the sad thing is…monday ko pa na report sa bdo na nag debit na ang card ko… so pagka bukas nag report ako sa kanila tinawag sa call center tapos pinapunta nanaman ako sa bank ko which is pnb…balik nanaman bdo for the conplain…need to wait daw for how many days it depends sa pag process….haaaaaysssss..namatayan kana nga pinapatagal pa…saklap ng buhay?

    • We are so sorry for your loss, with regards to you banking problem we are with you, unfortunately may process talaga silang sinusunod and masaklap tayo ang magsusuffer ng burden. We really hope they find a better solution to this.

  13. jane yvette uayan says:

    nangyari sakin kagabi . bdo din naman card ko . sobrang tagal kasi yung loading kaya kinancel ko nalang tapos ung sabi “sorry unable to process your request” no receipt tapos nang itry ko ulit nabawasan na ung balance ko nung amount na iwiwithdraw ko sana. tawag ako ng tawag sa toll free nila pero busy . nakakabananas !!

  14. SmuktPinay says:

    Nangyari den sakin ito nung July 15th pero Security Bank naman, twice ako nadebit. Una sa Supermarket ng Robinsons, ginamit ko ATM ko para ma debit sa acct ko yung mga pinamili ko, pero sabi ng cashier ayaw daw mag read at nakalagay daw sa screen nung pang swipe nila “contact your bank” kaya nag withdraw na lang ako sa mismong ATM ng Security Bank, kaso walang pera na lumabas sabay nung nilabas na ATM card bigla nag appear sa screen ng ATM na “unavailable” so nagwithdraw na lang ako sa ATM ng RCBC and nakakuha ako pera kaya pinambayad ko sa supermarket ng Robinsons. Then July 18th, nag check ako ng bank ko online nagulat nalng ako na debit ako ng Robinsons supermarket at ng ATM ng Security bank tig 3,500 each so total 7,000php. Agad ako nag call sa Security Bank Dasma branch dahil yun ang branch ko at agad naman sila nag report sa main branch ng Security Bank sa Makati. Then humingi ako ng SOA (statement of account) para maipakita ko sa Robinsons supermarket na na debit nila ako then the Robinsons forwarded to their main office. The next day, tumawag ang Robinsons saken at sinabing “wala daw pumasok na amount na nadebit from my account” HUWAAATTT??? saan naman napunta yun eh obvious naman sa SOA ko na sila ang nag bawas ng pera ko. KAya agad ako tumawag sa Security Bank to tell them about it at sabi ng bank na kelangan makipag coordinate ang Robinsons sa kanila at kelangan may maipakita silang proof na wala ngang pumasok na pera sa kanila from my account. So the Security bank told me to wait for their call after a week para sa update as well as dun sa na-file na dispute regarding “no cash dispensed”. Now I am crossing my fingers and praying na sana maibalik nila pera ko kasi pambili ko milk yun ng anak ko at pambayad namen ng kuryente at tubig.

  15. Mhai says:

    Help po! Nag withdraw asawa q ng 10k sa bdo gamit ung cash card q. Nung nagwithdraw sya wala lumabas na pera so inulit nya pag insert ang atm card pro wal pdin lumabas at kinagulat nya kasi wala na po ang 10k. Nireport ko agad sa bdo as usual papasa ka sa call center and then nireport q ngyari. Pinag antay aq ng 5 days rpa e follow up at nung nag follow up aq, base sa investigation “withdrawal successfully dispense” hah? Sabi q wala po tlgang cash na lumabas so pina reinvestigate ulet ni Ms. Call Center. After 5 days nag follow up aq but same padin result ng investigation. Pinuntahan q mismo ung bdo branch pra mag request ipa view ang cctv pero di pa daw pwde kc e investigate muna nila ung nangyari. A few days nag call na aq sa knila for follow up. According sa nkausap q, balanced daw that time ung machine nila meaning wlang sobra, walang kulang. At ang result ng investigation ay same pdin successfully dispense tlg ung pera. At base nmn sa cctv nila may kasunod daw na nagwithdraw asawa ko. Tinanong ko kung may nakuhang pera ang sagot po sakin di nila sure kung may nakuhang pera kc nasa bandang likod ang cctv. Pano po un walang proof na nakuha tlga ang pera. Ok lng sana kung 1k lng un pero 10k po un malaking halaga na un sa kagaya q. Baka may alam po kau na dapat gawin.

  16. Dominique says:

    This happened to me po, ngayon lang, Metro Bank card into a Security Bank ATM. Nagwithdraw akong 3500, then lumabas transaction cancelled. No receipt, no cash na lumabas. Called metrobank, sabi nila 15 working days daw haist.

  17. benzilisa says:

    It happened to me yesterday lang, sobrang kasama sa loob kasi it will take 10-15 banking days daw ang investigation. Ang tagal sobra!! BDO atm debit card ko and DBP ung atm machine. Nakakaiyak kasi pambayad ng kuryente yun and pambili ng groceries plus milk ni baby?? hopefully maibalik nila ng hindi ganun katagal.

  18. voncarms says:

    Nabiktima ako today nitong “Unable to Dispense” issue na ito. A few minutes ago, tinawagan ko na yung BDO at sabi na 5 working days. Goodluck naman, sa lunes ay walang pasok dahil holiday. Hay nako, perwisyo. Sana naman mga 2-3 working days lang.

    — The wait begins—–

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