1 /5 John Wright: I deposited $500 on Saturday, November 30th @ 6:17PM.
The machine didn’t accept one of my bills, as it was creased. So, it fed the bad bill back, I didn’t have more cash to replace, so it eventually went back in (the cash tray/arm).
Fast-forward, as seen below in receipts, I get an error message with ZERO transaction ID or number. Nothing indicating amount deposited— simply that there WAS a “deposit”, but that it wasn’t processed. So, they confirm my money “deposited” but not that it “processed.” (So, any human with even 1/2 a brain…would know that’s indication of receiving my money).
Cut to end of that debacle. I’m immediately on the phone calling TRUIST and did NOT move from the branch ATM here at this branch. While waiting forever on hold, I made a point to “inquire” as to balance. On this second “transaction” the machine immediately gave a message that stated the machine was currently unable to do “fast cash, cash withdrawals and/or cash deposits”.
Because I knew that this ATM would essentially not take anymore money and not distribute any more cash, I did what I think was smart, and just kept on making balance inquiries (just in case, because wishful thinking), but also so that it would essentially bookend my attempt, plus keep track of timing, as well as give a series of sequential transaction IDS and/or serial IDs. My thought process was “hey, someone used this ATM before me, so their transaction was at whatever time…then, I made my deposit attempt at 6:17, machine kicks error, stops taking or giving out money (but as of that point was >>> registered balance by $480) and then 9 following transactions took place from same debit card: VERY logically, one would naturally assume that the ATM (which is now in service again) would have reconciled and show an overage of exactly $480 (I say “exactly” only because I know there was no issue when I pulled up, then there was after, and it was after banking hours on a Saturday— meaning I knew it wouldn’t be in operation again, until it was reconciled and deemed functional).
I’ve gotten the biggest run-around and been spoke to extremely disrespectfully by customer service (offshore, so they don’t understand when I reference REG E, per consumer finance protection ACT of 1978 — which isn’t the technical name of the ACT, but you get the point). I’ve also filed a claim with the US government agency at the Consumer Financial Protection Bureau (collectively & popularly abbreviated at CPFB).
I’m a combat wounded veteran and small business owner, single father and was defrauded by the very “veterans in need” whom I employ and this cash deposit was literally being made to avoid eviction. I missed that deadline and am losing my home because TRUIST doesn’t have any consumer safeguard in place to protect the very money I entrust them with. I literally have all 11 ATM receipts, plus two videos I took that night, when I realized the machine was being sketchy (normally, wouldn’t be hypersensitive to things, but in these dire straits, I was hyper vigilant, and thank goodness I was! Although, sadly, it seems as though these receipts may as well be toilet paper.
I hope they will make this right, as I’m livid and my world is crumbling because I trusted my bank. Right when I thought this world couldn’t go any madder than it already is/has…this wrecking ball enters my life, and I’m not a “woe is me” person, never have been— I’m a tough farm kid and marine corps veteran, plus retired professional MMA fighter (and single dad of a 13 year old girl, raising in these times lol…that alone is tough as anything!)
Hope you see this and make it right, TRUIST.
