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Disputing ATM errors

Are ATM errors eating up your account? You can fight the bank and its machine.

A few folks deposit money at automated teller machines. Most, however, depend on the ATM to get quick cash. Unfortunately, sometimes those convenient withdrawals are posted wrong, possibly even counted against your account twice.

Of course, you have to know your account inside and out before you can dispute an entry. Keep your deposit receipts, from the teller as well as the ATM, write down the transaction in your check register and review your monthly statement when it arrives. When you find a mistake, let your bank know as soon as possible.

The form letter below will help you get an ATM error corrected. The back of your statement should list the address to which you need to send the letter.

Personalize the letter by entering your specifics in the areas in red. You can print out this Web page and make your changes by hand or copy the body of the letter and paste it into a document where you can make your changes on your PC.

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Name of bank
Street address
City, State, ZIP Code

Re: ATM error in account number

Dear Sir or Madam:

I am a customer with bank name. My account is held in your name and is number enter number again here.

Upon checking my most recent statement, I discovered an error regarding an ATM transaction I made last month. After reviewing my records, I am certain my most recent withdrawal was debited from my account twice.

Here give the details of the mistake and the transaction. For example: On Aug. 10, 2003, I made a withdrawal of $75 from the ATM machine at 123 Main Street. This is a walk-up ATM outside your branch at that address. I received a printed receipt of the withdrawal, but my bank statement shows that the lone withdrawal on that date was posted to my account twice.

A copy of the statement with the error highlighted is enclosed for your review. I've also enclosed a copy of the transaction receipt that was printed by the ATM when I made the single withdrawal that day.

As this bank mistake is costing me because money was debited from my account twice, I would appreciate that you correct my balance as soon as possible.

Thank you for your prompt attention to my request. If you have any questions, please don't hesitate to call me at your daytime telephone number. I'll also check back with you on the status of this request and the action you have taken to rectify this bank error.

Your Signature
Your Typed Name
Your Address
City, State and ZIP Code


copy of monthly statement


copy of ATM receipt

-- Posted: Oct. 23, 2003
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