I made a withrawal from Bank A using Bank B's International ATM. The money did not dispense. What is the law regarding this if the bank refuses to credit back the deducted amount?
The law that protects you if your bank (Bank A) is in the United States is the Electronic Fund Transfer (EFT) Act. The correct process is for you to first check to see if the withdrawal posted to your Bank A account. Often, an ATM can detect when it fails to dispense, and send a message to notify the bank holding the account. When that sort of message works correctly, your bank would either reverse the withdrawal from its record, or delete it altogether.
Assuming that the withdrawal appears on your Bank A account, you then notify Bank A, identify your account number and the transaction in question, and tell the bank the reason you want to have the transaction reversed (the ATM failed to give you any funds). Bank A then investigates your claim, and provides you with the result of its investigation. If the bank can confirm that the withdrawal failed at Bank B, Bank A should then reimburse your account.
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The law that protects you if your bank (Bank A) is in the United States is the 