Withdrawn money from PS Bank but no money dispensed!!

Thursday night, 8th of December 2011. Hubby, our baby girl and I decided to go to Macapagal area late at night to check our night market at Park and Sell in Boom na Boom, but due to bad weather it closed earlier than usual. So we opted to eat late dinner at Blue Wave, before doing so I went to PS Bank ATM to withdraw some cash, I used a different ATM card when withdrawing in PS Bank, after a few minutes the machine hang, waited for about more than 15 minutes after entering the amount I want to withdraw. There was an error appeared : " Your transaction has been cancelled, Error Server Timed Out"

Then the machine put out my card, without any money was being dispensed. So to verify that my money is still intact I inquired my balanced from the ATM near PS Bank, which is BPI then I found out that the money has been deducted, without getting my money.

My husband called the guard on duty in Blue Wave to report the incident, I was trying to call the hotline customer service number that is posted on the ATM but since it was already late at night, there was no response.

Early morning of 9th of December 2011, I called the customer service again from PS Bank to report the incident, I informed her of what had happened, and she said that there will be an investigation to be made and after 3-5 business days they will give the feedback, she provided me a Reference No so when I make a follow up, it will be much easier to track the report made.

I then called my card company to also report the incident, and explained to them the same thing I explained to PS Bank customer service, provided me with a Reference No as well and told me to wait for 10 Banking days for the feedback.

12th of December, I called PSBank and provided them my Reference No., they told me that my reported case was valid and from there the customer representative credited the money bank to RCBC, not in my account yet.

At 13th of December, I need to call RCBC Bank to report them that PS Bank already posted the money back to RCBC, but I am just waiting RCBC to post the money back to my account.

When I called RCBC, I provided my Reference number to make a follow up, I was just so pissed off when they were asking for my account number while I was not informed from the onset that I needed that, all that I can provide was the Reference no, and so they are unable to provide me any status information about my case.

I told RCBC that I do not want and I am not interested of the status since I am able to check that personally from my card by doing Balance Inquiry, I just informed them the status PSBank provided me, and request for them to take note in my case, what pisses me off is that they are telling me that the processing period is within 10 banking days that would mean I will have to wait until before Christmas.

14th of December, I checked my RCBC ATM, then found out that they already credited the amount back to my account.

In the event you have experienced this case, that when you are trying to withdraw, there was no cash being dispensed but the cash was debited from your account, you may do the below steps and reminder, never get tired of doing the follow up and let them know you know what you are doing.

1. Call the bank that debited your money to report, explain them the exact details of what had happened since this is very essential with the investigation, and this is where they decide whether your complain is valid, if the details were accurately delivered.

Do not forget to ask for the Reference No.


2. Call the your bank to make another report with the same details as you have provided that bank which debited your money. Do not forget to ask for the Reference No.

3. Make another follow up, after 2-3 days, when you call the bank which debited your money, they will then can identify whether your complain is valid or not and they will be able to credit it right away when you do your follow up call.

When calling your bank make sure to have your account number handy since they will be needing when giving you the status.

Then just wait for your cash to put back in your account.  Just don't panic remember every details of what had happened, the time, the error and if you have the transaction receipt you may keep it for evidence.

Comments

  1. Naku sis, nakakatakot naman yan. thanks for posting this.., wag naman sana mangyari yan kasi super hassle.. :( buti ok na yung money.

    It happened to me din I used my debit card to pay at SM they swiped it twice and I was deducted twice, pero they asked me to pay in cash as well.. Super hassle buti naibalik din after 1 week..

    ReplyDelete
  2. Yes, sis super inconvenience ang mga ganitong experience. I have learned my lesson that as much as possible try to withdraw with the same bank, kasi si hubby he always tease me whenever I look for RCBC ATM napakuripot ko daw dahil ayaw ko magbayad ng withdrawal fee to different bank, but this is also one of the reason I really want to withdraw from my own bank ATM..hehe

    Thanks for reading!

    ReplyDelete
  3. very informative post sis, thanks!

    ReplyDelete
  4. i've experienced this before, i just called the bank and within 5 days, they credited the money. second time, within 24hrs the money was credited back. =)

    ReplyDelete
  5. @sis Michi, nakakarami ka na pala, this is my first time having this kind of experience, lalo na gabi ko na experience kaya mahirap macontact ang mga customer service.

    Good thing bumabalik naman there are instances na talaga modus naglalagay ng pandikit sa labasan ng cash kaya hindi talaga lumalabas kaya as much as possible huwag muna umalis sa ATM at talagang mag wait ng any updates from the machine.

    ReplyDelete
  6. Thank you very much sis for the information. I once had an experience that my account showed up with zero balance in the ATM but was just a glitch by Unionbank. Hassle talaga ang nangyari sayo sis but glad that nakuha mo na ang money mo before Christmas. Talagang kailangan masigasig mag follow up.

    ReplyDelete
  7. Currently experiencing the problem with RCBC: https://www.facebook.com/notes/arvelie-lumba/ranting-about-rcbcs-horrible-customer-service/10153020281604298

    ReplyDelete
    Replies
    1. Hope your issue with RCBC gets resolved soon.

      Delete
    2. Oh yeah, have the same promblem when I withdraw using Chinabank card in RCBC ATM, and it did not dispense the withdrawn amount and the guard did not do anything useful to help me...tsk! good thing my money was credited in my card since I reported it right away.

      Delete
  8. Thank you very, it had happened to me just now

    ReplyDelete
  9. don't worry just make a follow up and you will be able to get your money back.. thank you for dropping by!

    ReplyDelete
  10. same thing happened to me yesterday at SM Mall of Asia. PSBANK ATM machine, didn't dispense the amount I requested.

    I reported the case to them, hopefully I get the money as soon as possible. :(

    ReplyDelete
    Replies
    1. Do not worry, you'll get your money back after 2-3 business days, just let them know the urgency..

      Delete
  11. salamt s info very usefull, it happen to me today, and i feel sad ksi kla ko eh mbalewala n lng. kaka report ko lng ng incident and sbi nila eh 3 to 5 days p daw. hay nko nman bad trip talaga. pero salamat po ng mrami s info. godbless.

    ReplyDelete
    Replies
    1. don't worry you will get your money bank just give them 2-3 business day.. just do not forget to follow up with your account number on hand..

      Delete
  12. Thank you po sa very helpful info.. This happened to me 2 days ago kala ko babalik ang money without reporting.. After reading your experience - nkapag report na po ako. Thanks a lot!

    ReplyDelete
    Replies
    1. you are welcome!! Babalik din ang cash basta proper documentation lang..

      Delete
  13. Thanks for posting this blog ! I was under the impression that I couldn't retrieve it anymore, but this blog gave me hope!

    ReplyDelete
    Replies
    1. Hi thank you for reading my blog and I am sure that your cash will definitely be retrieved! Just do all the follow ups and remember every details of the event for investigation purposes.

      Delete
  14. Same thing happened to me today.Thank you for the infos.What a day huhu

    ReplyDelete
  15. Same thing happened to me today.Thank you for the infos.What a day huhu

    ReplyDelete
    Replies
    1. Don't worry it will be credited back to your account! Just have all the information recorded when the bank ask for it from you!!

      Delete
  16. Same thing here. I used psbank to withdraw 10k using bdo card.. nag transaction error . Nilabas lng card at walang receipt or cash. Poblema di ko inantay.. possible b n mag labas un khit nag error na?

    ReplyDelete
  17. Same thing here. I used psbank to withdraw 10k using bdo card.. nag transaction error . Nilabas lng card at walang receipt or cash. Poblema di ko inantay.. possible b n mag labas un khit nag error na?

    ReplyDelete
    Replies
    1. Hindi na hang na kasi ang system so babalik ang pera sa machine so floating na ang cash in order to dertermine the owner is file case with the respective banks both PS Bank and BDO if all your testimony matches with the floating cash then they will surely give your money bank.. just file case and be specific with the time and place then do not forget to do follow up.

      Delete
    2. Uu ginawa ko n madam. Have a case already with bdo and psbank. Inaantay q nlng psbank ksi mas mbilis sakanla.. ung bdo cant argue tlga.. panget ng service. Anyway bighelp tong blog mo. Appreciate q help nyo..

      Delete
    3. any updates on this Sir Alvin? Nakuha mo? experienced same thing today T_T

      Delete
    4. Same here, we used our bpi ATM card s ps bank then prang ng hang din ung machine 10k withdrawal pero transaction rejected un s slip, and we'll din cash n lumabas, called ps bank and bpi that same day, will investigate daw etc, happened March 28 so holy week expected n nnmen n most likely next week pa mpprocess, April 4 we received a txt msg from ps bank saying your accnt has been reversed please contact your bank for settlement, then tngwagan nmen c bpi, rep said n wla p nmn daw pumapasok s acct etc, wait daw kme kc 24 hrs daw usually un or bka s Monday pa, wait lng kme then wla pa tlga kc april 9 was holiday, we called ps bank again April 12, ung reversed account pla means hndi s end nila ung problem and it was an internal error daw s bpi so c bpi ung mgbbalik ng pera s acct nmen, my gulay! Today April 13 we called bpi again, explained what ps bank said to us and nun lng na gets nung rep, she made an escalation, kc mtgal n daw dpt daw within 5-7 days un, duh! Nkailang tawag n kya kme s knila! Anyways for now we'll just wait, pg wla p dn by next weekend we'll file a complaint na sa bsp,haays...sorry sa rant 😑

      Delete
  18. Don't worry sir, babalik cash mo sure yan, kahit medyo may katagalan since nag long weekend pa at least babalik ang cash mo medyo hassle lang talaga ang processo at nakakakaba, mas mabuti talaga to withdraw in your on bank atm para sure talaga.

    ReplyDelete
  19. Thank you, ma'am. It happened to me last Sunday.
    The thing is, my bank card is an international one so they're asking me to wait for 7 working days. I am a little worried if they need to send it over the counter(kasi it was hassle 'cause I am a very busy person) or just give back my money like yours.

    ReplyDelete
    Replies
    1. Don't worry, for as long as you have documented the exact things happened then your cash will be back to your atm card.. just report and have those reference number listed.

      Delete
    2. Am a victim of PSbank as well..3 times deducted to my international account...the 3rd one just happened February 17, 2017 ..I already reported and waiting again...I don't know .. why they can't explain well why it happened only in a month 3 times...are they using the money to earn an interest for their benefits?

      Delete
    3. Am a victim of PSbank as well..3 times deducted to my international account...the 3rd one just happened February 17, 2017 ..I already reported and waiting again...I don't know .. why they can't explain well why it happened only in a month 3 times...are they using the money to earn an interest for their benefits?

      Delete
    4. Am a victim of PSbank as well..3 times deducted to my international account...the 3rd one just happened February 17, 2017 ..I already reported and waiting again...I don't know .. why they can't explain well why it happened only in a month 3 times...are they using the money to earn an interest for their benefits?

      Delete
    5. That is so sad to hear that is the reason I withdraw cash from my bank itself, it is very inconvenient to have this kind of horrible experience.

      Delete
  20. Nagwithdraw ako kanina sa Chinabank gamit ang Bdo debit card ko then may automatic expiry siya kaya ung winitdraw ko na 5k eh binawi ng machine.anyone na nakaexperience nito??thanks

    ReplyDelete
    Replies
    1. Hi did you check if the amount has been debited from your account balance, if yes then same thing need to call Chinabank and BDO to inform both bank about the incident to make formal documentation then once they saw 5K floating and all details match the information then they will credit back the amount in your bank account.

      Delete
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  22. hi nag withdraw po ako sa RCBC nong feb.14, 2018 by 11:46am first nag inquire muna ako with that amount den nong nag enter na ako nang amount wala pong lumabas na pera, .so sabi nang mavhine malaki daw iyong initer ko na amount so binabaan ko so wla parin masyado daw malaki kaya ..naglipat ako ng ibang machine to withdraw from rcbc-to bpi and BDO pero ganun kaya nag wonder ako na meron na man laman kanina so tapos naging zero balance siya. kaya nag reklamo ako sa metro kasi metro bank n amn atm card ko,,,den nag file ako na form complain sabi na undispense withdrawal po ako., so mga 2 week pa po daw ma recover ur maibigay sa akin ang survey ng transaction,den by feb.27 fina follow up ko today .den binigay niya sa akin transaction survey nong na withdraw ako sa RCBC at sabi na withdraw na "cash taken by 11:47:24 am. sabi ng metro bank baka ang sumunod daw sa akin ang naka kuha ng pera ko.. in that case po ba ma indentity pa ba kung sino ang nakuha nag pera ko?.

    ReplyDelete
    Replies
    1. Same po tayo ng situation. What happened po sa complaint niyo?

      Delete
  23. Ano bang nangyayari sa RCBC na machine?


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  37. ano na po angyari dito just experience lng today wala lumabas pera pero nag debit

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