Conference 7.286::dcu

Please don't blame the transmission failure on the DCU until you are sure.
The bank branch that you made the transaction from in Denver is probably 
the culprit in the situtation.  From the error you described it sounds as 
if the DCU did what it was requested to do.  It sent money to the Denver 
bank when it was requested to.  The DCU has no way of *directly* finding 
out if you recieved the money.  The DCU has to wait for the Denver bank to 
investigate.

Remember when using a non-DCU ATM machine you are not talking directly to 
the DCU but through another bank.  It makes a difference.  Always save your 
reciepts until you get a statement.

Jilly

Perhaps I was blaming DCU prematurely.

However, I bet even if I had saved the receipt I bet I'd still be out the $
while they resolved the situation.

I usually only save the real transaction receipts, now I guess I better save
them all.

Somebody is to blame though - either the Denver bank or Cirrus or DCU
for having faulty hardware or software that assumes the gave me $ that
I never got. I also can't believe it takes a week to resolve.

Assuming they find the proof that I never got the money, I've been
without the use of my $ for the last few weeks and at least another week
while they have had no penalties assessed.

We'll see...

Chuck

    
    These "no transactions" have happened to me many times before, but
    in my case DCU has always caught it (sort of).
    
    What bothered me, though, was that they corrected it by listing
    on my statement a deposit equal to the "bad" withdrawl, but didn't
    account for the $1 fee.
    
    For example, my statement would read:
     
              Date  ATM withdrawl Some Cirrus      - $40   <------+
              Date  ATM transaction fee            -  $1   <----+ |
              Date  ATM deposit Some Cirrus        + $40   <--+ | |
                                                              | | |
                                                              | | |
                    imaginary deposit that never happened  ---+ | |
                                fee for bad transacaction  -----+ | 
                        didn't get the money from the ATM  -------+ 

    So I always had to call up DCU to get my $1 back (I'm greedy).
    
- Sean    

    Most Cirrus ATM's have a hotline phone. If you don't get the cash
    and the receipt says you did, use this hotline. It could be an internal
    problem with the ATM itself.
    
    Rich
    

    re .3: 

    I'm surprised they didn't charge you $2.

RE:           <<< Note 172.4 by MENACE::BRAKE "A Question of Balance" >>>

>    Most Cirrus ATM's have a hotline phone.

	There was a sign on this ATM that said if you have a problem call your
	bank (DCU). I didn't know any DCU #s besides the one for EasyTouch and
	it was after business hours in MA. I also didn't think it was a problem.
	There is an 800 # for Cirrus on the ATM card jacket; but, it is
	an automated system to find the nearest ATM.

> If you don't get the cash and the receipt says you did, use this hotline.

	In my case, the receipt acknowledged that I didn't get the $
	and to please try again later.

Chuck

P.S.	I've had a similar problem to .3. At that time it did correct itself as
	the woman from DCU said it should do; but, as .3 I was still charged $1.

    
    I got hit for a double withdrawal, then a deposit of half the amount
    back, at a Cirrus machine, and a $2.- charge, which when I complained
    to DCU about, was refunded. Only happened once. I've always saved
    every reciept, and compared to the statements carefully.
    
    Fred

re Note 172.0 by COOKIE::DOUCETTE:

> I went to a Cirrus ATM in the middle of Stapleton Airport in Denver CO. I
> tried to withdraw some cash. It took a very long time and it came back with
> "transmission error" and I'm not sure if it also said "please retry" or "try
> again later" or what. Unfortunately, I didn't save this receipt. The point is
> that I didn't get any $ and couldn't prove it.

        I did that last summer (trying to use a Cirrus ATM in the
        middle of Stapleton Airport) with my BayBanks card and got
        the same results.  I never went over my bank statement to see
        if I was charged (debited) for the "withdrawal".  Perhaps I
        will.

        Bob

    My husband had the same problem, only it was in MA and not in CO.
    We finally got the money back for the withdrawal but we are still
    waiting for the $1.00 fee to be credited.  
    
    Roberta

Well, it's time to write the final chapter in this story.

I must say, I was pleased with the resolution.

Although it took a week and a half (I still can't believe it took that long
but I believe DCU when they say it wasn't their fault), I finally got back my
$120 (which I had supposedly withdrawn), my $1 transaction fee, and my $12
bounced check fee.

I was concerned that my credit with my automobile insurance company had been
damaged; but, the DCU administrator assured me that a) DCU had tried to clear
my check again before returning it to the payee (and it cleared the second
time) - so the payee shouldn't even know it bounced; and b) if the payee did
know it bounced, that DCU would be happy to talk to the payee by phone and
assure them that the bounced check wasn't my fault.

I'm glad I was able to resolve this without the proof of the ATM withdrawal
slip; but, next time I'll keep it.

Chuck

    This is an official response by Mary Madden of the DCU. The portion of
    that response, dated 30-May-1989, that applies to this note topic is
    included below. See note 2.22 for more information. 
    
    Your comments on this response should be posted here or directed to
    to DCU directly at Mary Madden's number (dtn) 223-6735 x207.
    (Note: New extension for Mary Madden)
        
    Carl Leeber
******************************************************************************
    
         RE: 172.0
    
             Occasionally, when a member uses a network ATM machine, 
             there is a malfunction and the member doesn't receive 
             their requested withdrawal.  However, the completed 
             transaction is immediately sent to DCU to debit the 
             member's account.
         
             If a member doesn't receive his/her withdrawal, she/he 
             should save their withdrawal receipt and call the 
             financial institution, where the transaction occurred, as 
             soon as possible.  Once the network institution locates 
             the discrepancy, they'll contact DCU to credit the 
             member's account which includes the $1.00 transaction 
             fee.  This can take 1 to 2 weeks, depending on the 
             network institution's audit procedures.
         
******************************************************************************

    I live in Maryland and work in the Washington D.C.. area . Where
    can I get cash. The problems I'm running into are virtually no Cirrus
    machines anywhere and the machines they use down here use a different
    card format. (ie the machine won't even accept the card). Then the
    other day I tried using it one of the few banks(Riggs) and it said
    my account # was incorrect. Even though it ran thru the entire process
    short of giving me my cash. DCU is a good idea but as far as getting
    my hands on my money when I need to thats a different story.
    
    Is DCU planning to get into the MOST network ???????????????
    

    Re .12:
    
>   The problems I'm running into are virtually no Cirrus machines anywhere
>   and the machines they use down here use a different card format. (ie
>   the machine won't even accept the card). Then the other day I tried
>   using it one of the few banks(Riggs) and it said my account # was
>   incorrect.
    
    Assuming you have the newer DCU card (one that mentions CIRRUS on it),
    you have a legitimate gripe with DCU if a CIRRUS machine won't honor it
    and it hasn't been rendered unreadable by some mishap.
    
>   Is DCU planning to get into the MOST network ???????????????
    
    I assume 'MOST' is a regional system in the D.C. area.  There are, at
    present, only two ATM networks operating coast-to-coast though neither
    of them is well-represented everywhere.
    
    The PLUS System is dominant in some parts of the country, and DCU was
    formerly affiliated with it through the now-defunct MONEC system that
    operated in New England.  PLUS is no longer present in the GMA.
    
    With MONEC's demise (largely at the hands of the CIRRUS-afilliated
    XPress-24 system in greater Boston), DCU was effectively cut off. 
    CIRRUS has won the war in this part of the country.
    

Call 1-800-4CIRRUS and they will ask for your area code and phone number at 
your location and tell you the address of the nearest couple of ATMs.