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#2080067 - 05/24/16 05:24 PM ATM Fee - Unusual Situation
SunnyFL, CRCM Offline
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Joined: Sep 2004
Posts: 205
FL
We had a customer access her account at a casino in the wee hours of the night. And it just happened to be at the same time our core processor goes down for weekly maintenance. She made several withdrawals which overdrew the account. The system did not charge her OD fees, however, it did charge her an ATM fee and a foreign transaction fee for each. Should we refund both our fees and the foreign ATM fees? (She brought her account current the next day!) Thanks all!

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#2080086 - 05/24/16 06:05 PM Re: ATM Fee - Unusual Situation SunnyFL, CRCM
Inspector Offline
Gold Star
Joined: Apr 2016
Posts: 269
Sunny - I am a little confused by your question. Would the ATM fees and foreign transaction fees have occurred if the maintenance situation had not taken place? If so, I am not sure why you would refund those fees?
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Opinions expressed are my own and do not reflect legal advice or the opinions of my employer.

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#2080130 - 05/24/16 07:16 PM Re: ATM Fee - Unusual Situation Inspector
SunnyFL, CRCM Offline
100 Club
Joined: Sep 2004
Posts: 205
FL
Sorry, no it would not have allowed the ATM transaction to go through if there was not enough money in the account.

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#2080159 - 05/24/16 08:13 PM Re: ATM Fee - Unusual Situation SunnyFL, CRCM
TomS Offline
Gold Star
Joined: Jan 2004
Posts: 315
USA
The way I see it, the system malfunction is irrelevant as far as the ATM fees are concerned. She intended to make the withdrawals and did make the withdrawals, therefore she should be charged the standard ATM fees.
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