ATM cash deposit dispute
March 4, 2008 1:16 PM Subscribe
Deposited cash at my bank's ATM. Bank says I didn't. I filed a dispute. Is there any hope that it will be resolved in my favor, or is it my word against theirs?
I deposited 31 checks, plus $120 cash, at my bank's ATM. My receipt, which I have, shows the correct deposit amount (obviously) and at the same time debited the account $150 due to "incorrect deposit amount."
If they'd adjusted it by $120, I'd be less hopeful, but I have photocopies of all the checks I deposited, so I can "prove," after a fashion, that I deposited X amount in checks. (Of course they can also say that my photocopies mean nothing, I guess). No checks were for $30 or any combination that could equal $30, so if my copied checks mean anything, I'm probably going to get the $30 back. I'm just wondering about the $120 -- what possible reason do they have to believe the customer put the amount of cash in the envelope that he says he did?
Would welcome thoughts from anyone who knows anything about banks' handling of such disputes.