The burden of proof is on the bank. But if the owner/servicer says there was no dispense error and the ATM balanced, that weighs heavily in the banks favor and you absolutely do not have to pay the claim. Did the person count or scroll the bills such that a camera saw it? Is there anything supporting the customers claim other than the claim? If not, established accounting, control and security procedures are in your favor.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell