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  • 楼主: xl0408

    求助:ATM未取出钱,但钱已被扣,银行不承认该怎么办?

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     楼主| xl0408 发表于 29-7-2013 19:42:51
    如履薄冰 发表于 2013-7-29 19:15
    看看你取款的地方有没有监控,
    如果有监控就有录像,没有监控就很难说
    你没有取出钱后第一时间有没有投诉 ...

    第一时间找了银行职员,他们说没法立马帮我打开ATM查看,只能到晚上下班后ATM的职员check,然后就给了我一个dispute letter,说21天内处理好。但是过了21天还没有给回复,所以上周五我就去了银行,职员说我的dispute letter被驳回了,然后说只能等星期一经理来处理。而且上周五去银行,我有跟那个接待我的职员说要看摄像头,职员说摄像头应该只能拍到人。但是今天上午去银行经理直接说没有摄像头。
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    美杜莎 发表于 29-7-2013 19:52:07
    我在国内的中信银行取钱时也出现这种情况,我取五百,只出一百,就不出了,我一直等,等十分钟也没出来,我不敢走,怕走了就出来了,被后面人拣去,所以就在哪里,打电话给银行工作人员,因为取款机就在银行门口,来了一个女员工,告诉我应该是机子出问题了,就给我了一张纸说是投诉信,我写完了,他投入了信箱,银行里的一个特定的信箱,然后她说不用担心,我们每周查一次机器的,查到多出了立即打电话给你来取,结果几天后就打电话给我,我就去拿了,他们还一个劲的道歉,态度不错,我说没事,楼主一定得找银行的人说,怎么可能没摄像头,那个工作人员素质太低,你直接找经理
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    美杜莎 发表于 29-7-2013 19:54:11
    到时经理帮你解决了事情后,别忘了顺便投诉那个差劲的员工,让他被开
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    雨蔓 发表于 29-7-2013 19:56:22
    不可能没有摄像头,你要将这些工作人员说的话,所有的证据都保留,向上一级反映。
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    20088 发表于 29-7-2013 20:24:30
    http://www.fos.org.au/centric/home_page.jsp

    The Financial Ombudsman Service

    If English is not your first language, we can arrange a free interpreter for you.
    If you have a hearing, speech or vision impairment or any other disability, we can give you the help you need.
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    20088 发表于 29-7-2013 20:25:53
    Our dispute handling process

    There are five steps involved in handling a dispute. Some disputes take longer to resolve than others.

    Step 1: Contact your financial services provider
    As a first step, you should contact your financial services provider's consumer complaints area to discuss your issue, tell them what your concerns are and how you would like them to be resolved. In our experience, this is often the quickest way to resolve a dispute.

    Step 2: Lodge a dispute with us
    If contacting the financial services provider has not resolved the dispute, you can lodge a dispute with us.
    » Lodge a dispute with us online
    » Download dispute form as a PDF – only if you wish to complete by hand
    If the financial services provider has not yet had an opportunity to resolve the dispute with you through its internal dispute resolution process, we will register the dispute. As part of our registration process, we will contact the financial services provider and ask it to respond to you directly. Generally, a dispute will be registered if:
    it is less than 45 days since you made a complaint to the financial services provider; and
    you are yet to receive a written response.
    If you receive a written response from the financial services provider that does not resolve the dispute, or if you do not receive a response with 45 days of the date that you first complained to the financial services provider, you can then contact us again to progress the dispute. A different timeframe applies to disputes about difficulties meeting repayments on a credit facility such as a loan or credit card. You will find more information about our approach to such disputes on our consumer information page, in the Financial Difficulty section.

    Step 3: Our review of the dispute begins
    If your dispute remains unresolved after the financial services provider has had the opportunity to resolve the dispute with you directly, we will begin reviewing the dispute. The first thing we will consider is whether the dispute falls within our jurisdiction.
    There are some things that we cannot deal with as these fall outside our jurisdiction. To find out more information about what we can and cannot deal with click here.

    Step 4: How your dispute will be handled
    We work with you and the financial services provider to try and resolve your dispute. We act independently by not taking sides. We aim to get a fair outcome for both parties to a dispute. We communicate with both parties by phone, email and letters.

    Step 5: How your dispute will be resolved
    Our dispute resolution methods may involve negotiation, conciliation, or reaching a decision. It is important that all information relating to your dispute is provided to assist in a timely resolution.
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    ailisi901106 发表于 29-7-2013 21:23:12
    我上次是忘了拿了还是怎么的,反正刚取的40刀,就没见到,但是我小票都记得拿了,忘了拿钱真是......怪不得刚走就有俩中东的男的在后面偷笑往我这边走来,当时就觉得特猥琐没多想,买东西付钱的时候才发现到处都找不到刚取的钱。回来上网查怎么办,网上就说只有和银行职员说了才能申请调查,如果没人把钱取走,ATM会把钱吞回去,但是数额太小的有时候不会处理,我当时还想40刀,银行应该不会花时间调查了,而且也很可能被俩猥琐男拿了啊......
    话说lz的数额对我来说真挺大的,掉了估计睡不着了,还等21天?每天去催!
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     楼主| xl0408 发表于 29-7-2013 21:28:36
    ailisi901106 发表于 2013-7-29 21:53
    我上次是忘了拿了还是怎么的,反正刚取的40刀,就没见到,但是我小票都记得拿了,忘了拿钱真是.. ...

    我是在取钱的时候,那个ATM屏幕上显示1500金额太多,需要去柜台。。。。然后我等卡出来后,等了下,出钞口也没有响,我就走进银行里面了,而且我当时是中午,银行基本没人,不用排队就直接上柜台取钱,然后职员说我卡里没钱,就发现钱1分钟在ATM没取出来的钱被扣掉了。
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    ailisi901106 发表于 29-7-2013 21:33:43
    xl0408 发表于 2013-7-29 21:58
    我是在取钱的时候,那个ATM屏幕上显示1500金额太多,需要去柜台。。。。然后我等卡出来后,等了下,出钞口 ...

    金额太多直接算是操作失败吧......我之前是不扣钱的,类似于取消操作,要么再输入一遍要取的金额,要么退卡......我是commonwealth bank的,只记得有一次是这样......
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     楼主| xl0408 发表于 29-7-2013 22:27:04
    ailisi901106 发表于 2013-7-29 22:03
    金额太多直接算是操作失败吧......我之前是不扣钱的,类似于取消操作,要么再输入一遍要取的金额,要么退 ...

    我也是commonwealth的。。。。但是不知道咋就扣了、、、
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