Hello Sir/Madam
I want to draw your attention towards my complaint (complain num - MUM036905) with HDFC bank.
I hold a HDFC Forex card # 4213200300221133.
On 23rd July I withdraw £ 400 9 times from Lloyds TSB ATM machine and out of 9 times, 1 transaction was not successful due to time out error on the ATM, but £ 400 got debited from my account.
I lodged a complaint with the bank and they told me to fax a charge back dispute form so that they can claim the money from the acquiring bank.
I faxed them the Form on 04th Aug and now they are saying that the acquiring bank has shown the logs that the transaction was successful.
I cannot belief there statement as the money didn’t come out of the ATM then the acquiring bank cannot claim the money.
Since I work for the Lloyds Bank whose ATM was used I came to know that there can be various mechanisms to track the Transaction:-
1) There is a ATM journal which keeps a track of the transaction from the ATM .They can easily track from the fact that the amount in the ATM would be more than the amount debited from the ATM.
2) The money could go to the reject bin since the money couldn’t come out of ATM but the transaction got initiated.
3) The discrepancy could have been tracked when the bankers would have done load and unload on the ATM
4) There are CCTV cameras in the Bank that can track whether the money was dispensed on from the ATM or not
5) The total turnaround time for the transaction was close 3 mins in comparison to simple withdraw transaction of 40 secs that can easily spell that there could be time out.
Please find below the details of the transaction:-
Date of Transaction – 23/07
Place – Wythenshawe, Manchester, United Kingdom (In Branch ATM)
Sort Code of Branch - 771957
ATM ID- L80FD (which I found on the ATM slip)
Amount – £ 400
Time – 12:06:52 GMT
Next Transaction tried - 12:09:12
Kindly help me out in getting my money back as £ 400 is a precious money.
Thanks
Ashish Sinha
Contact No. - 44-7404808969
Manchester UK
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