/ Is my bank telling me the truth....
I am told that after a few seconds, if I don't remove the card, it is automatically withdrawn back into the machine - I've no problem with this bit.
I offered to return in the morning to retrieve my card (after they had opened up the ATM to refill later that night) but was told that the ATM would have shredded the card already and I now have to wait between 3/5 working days for a new one.
Does anyone have any up to date info on the internal working of an ATM only I installed them about 6 years ago for about 12 months and there was no such mechanism installed then...... they are quite simple internally.
I think they just can't be bothered or it's going against their protocols and I'm being spun a line....
Probably true. I did this a few years ago. The bank told me the same thing so I reported it by telephone and got a new card a few days later.
I don't believe it shreds the card, but I could see that it might automatically have it blocked via software. That would make sense.
This happened to me while distracted by the kids. Card was sucked back into the machine. The non-issuing bank refused to give back the card even if I provided a mountain of I.D. My bank confirmed that its interbank policy. Was told (not sure if true) that the card is stopped electronically no mention of shredding!! If it had been my issuing bank I could have got it back. The money that I was attempting to get out wasn't debited from my account.
Having said that, why would it electronically stop the card? If the owner loses the card surely they will 'stop' it and across the banking network does it happen that often or am I being naive??
Sorry for the rant but angry at the bank and p*ssed off with myself for leaving it in the machine!
I'm glad I'm not the only absent minded dumbass when it comes to ATMs. The other week, I did remember to take my card....but walked off without the cash. Fortunately, no-one was around. When I remembered a couple of minutes later, no cash in sight - it had been taken back into the machine. Wonder if THAT had been shredded...hmmmmm
ATM won't shred it but whoever empties it would probably do so as std procedure.
I think that it was deffo bloody jobsworth and by the look on their faces, one or possibly two of the tellers agreed with me
There was something I read years back about how to steal from an ATM. It involved a sombrero, extracting the middle notes from the stack that comes out and then walking away leaving the rest.
I can't for the life of me remember where it was!
Yep, and he's going to be doing it with glee tomorrow!
A couple years back a supermarket ATM took my card as I put it in and refused to do anything else. Lost the card and was told that the person responsible for the ATM will shred any cards found inside as is procedure. Banks never try to get cards back for any customers, they simply renew them and cancel the old one.
> I'm glad I'm not the only absent minded dumbass when it comes to ATMs. The other week, I did remember to take my card....but walked off without the cash. Fortunately, no-one was around. When I remembered a couple of minutes later, no cash in sight - it had been taken back into the machine. Wonder if THAT had been shredded...hmmmmm
Was the money debited from your account?
On a related note I left my Advantage card in a boots store and went back a couple of days later for it. Was told that they destroy all lost cards for security reasons to stop staff using the points on any cards they find (I had £46 on mine).
Do you really want your card to be left hanging around inside a bank where unscrupulous staff could use it to withdraw money? Isn't it better that there is a procedure that protects you even if the instant shredding part isn't true? It's just another way of saying the teller or customer service person you spoke to can't just pop into the back of the cash machine an retrieve lost cards
If the banks are capable of lying over something so simple as this, what else are they capable of.......oh yes, I suppose Sir Fred didn't do a bad job!!
Which seems fair enough to me.
I used to work in this industry too. Id be amazed if they returned a card once the machine had eaten it. Far too much fraud risk...
Lucky old you. They probably ended up getting in trouble - as they should have. Rules in banks are a pain in the arse, but they're there for a reason. If someone can circumvent them because you seem a decent sort of chap and they heard a whirring noise then there's not a whole lot of point having them, is there?
Once at Geneva airport arrivals I noticed some resistance when putting my card in the ATM, so gave it a bit more welly and it went in, but part of the mechanism behind the fascia came away and looking closer I saw the maintenance man at the other side fixing the thing. A surreal encounter of me pleading in French through the card slot resulted in the guy coming out through the service hatch and giving me back my card.
> I used to work in this industry too. Id be amazed if they returned a card once the machine had eaten it. Far too much fraud risk...
Nah you right. I just made it all up. I completely fabricated the trip to Carlisle with my wife, and the lunch we went for afterwards when I got the card back and then the drive back to Glasgow.
Sounds like a load-a-bollocks to me but I would imagine it is now bank policy on the basis of security to issue a new card rather than return the old one.
It wasn't so much the 'sorry you cant have it back' it was the the, (in my belief), blatant lie that there is an integrated shredding apparatus within the ATM as being the reason why they couldn't return my card.
then you don't know just how much paperwork and strict policy is involved with fraud prevention
really? you're wound up by this? The result is exactly the same. Rather than "the machine shreds it" instead "the machine cancels the card and the operator shreds it when they open it"
oh my god. what a filthy lie you've been told! quick tell the press!
SHOCKINGLY bank tellers are HUMAN and may occasionally get details mixed up. It's a tiny difference and hasn't effected you at all.
(God, dealing with the public can be difficult sometimes!)
If an ATM was to keep my card, and I go into the branch, what is the odds of someone commiting fraud having assumed my identity with fake ID to match, knowing that there was a card retained with the same assumed identity inside that ATM. And of course walking into the bank under security camera in order to get a card which they might no nothing about the balance or the pin number.
There is fraud prevention and there is lack of common sense.
Are you sure - would they no phone the bank to cancel the card? Anyway, why should a bank (other than that of the card holder) go to the bother of tracking down careless card holders? Easier to cut the card up and get the card holder to ask for a new one.
> If an ATM was to keep my card, and I go into the branch, what is the odds of someone commiting fraud having assumed my identity with fake ID to match, knowing that there was a card retained with the same assumed identity inside that ATM. And of course walking into the bank under security camera in order to get a card which they might no nothing about the balance or the pin number.
> There is fraud prevention and there is lack of common sense.
You never dropped a wallet in a taxi? Never once have my cards ever been shredded up. I get my wallet and cards back as I lost them (usually minus the cash though)
I already explained that the bank was an RBS and I was an RBS customer with an RBS card. If anyone is claiming that the bank staff were "out of order" for helping out a customer and using proper common sense then I dispair in a society which is being lost in bureaucracy, paper work, lack of responsibility and lack of common sense.
The RBS would have done a great diservice to their customer (me) who was clearly not at fault, and a hundred miles away from home and no way of getting to their money. They acted well and I remembered it.
> You never dropped a wallet in a taxi? Never once have my cards ever been shredded up. I get my wallet and cards back as I lost them (usually minus the cash though)
No I haven't. Interesting to know.
> I already explained that the bank was an RBS
I realize that, hence why I was explicit about other banks.
It will have been credited back to your account if you did not take it, AIUI.
"It wasn't so much the 'sorry you cant have it back' it was the the, (in my belief), blatant lie that there is an integrated shredding apparatus within the ATM as being the reason why they couldn't return my card."
1. They meant that they get them out and shred them manually per policy/procedure.
2. It's an internal slang term meaning that it's rendered useless.
You'd be unlikely to because of the sensible design of the machines. You are never given the cash until you have taken your card, so cards don't generally get forgotten, unless you don't withdraw cash, but withdrawing cash is the great majority of transactions.
Receipts, which don't have that protection, are forgotten incredibly often.
The Swiss, particularly the French ones, are not quite as procedurally driven as the English (perhaps surprisingly!)
...though I do wonder if, based on the fraud mentioned above, it is dumped into a separate bin so it can be checked manually that you haven't taken any of it before this occurs.
If you look at the bottom of this it appears some ATMs do have an "auto shredder".
Well i never...
I also noted that it says...
"Some banks will allow you to retrieve your card the next day, whereas others dispose of the card immediately.
Call or go to the bank as soon as it is open and explain your situation. If the card is still intact, it may be as easy as showing proof of identity and/or providing a pin.
On the plus side, think of how many jobs are created in producing a new card, packaging it and delivering to me......thanks RBS, nice to know that you have all bases covered!!!
3: That's what the member of bank staff thinks happens.
The OP seems to be assuming that all bank staff are familiar with all their operational procedures. They aren't. The ones I deal with don't seem to have a clue about anything... But, like many 'officials', they will stick to a story they've made up, once they've made it up.
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