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sfmacaws


Jan 10, 2007, 11:27 PM

Post #1 of 6 (761 views)

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¡Un Milagro!

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So yesterday we are at Chedraui, using the laundromat so that we can get the stuff back that day - procrastination means no clean clothes around here. I go in to use the bathroom and on the way out see the ATM machine and think 'oh, I can just get some cash here and not have to stop at the bank on the way to pick the dogs up at the vet' or something else stupid like that. Normally I go to a certain bank in Playa where 1 of the 3 ATMs is a swipe and not an insert.

Anyway, I stuck my card in and the screen came up saying the card could not be read and then it went back to the opening advertisement. Boom! No Card! I have gotten really lax here, I can't believe I did this. I know that machines eat cards with some frequency in Mexico but it has never happened to ME in all this time. Now I have backups, at least Mimi still has her cards, but after losing the use of my Visa a few weeks ago thanks to CostCo this is a bigger irritant. The only other good part was that I hadn't put in my pin# and the card is not also a credit card so I figured I didn't have to call and cancel it immediately. I did peer around in the machine and didn't see a sleeve or anything else that might have been put there to trap it and no one was standing there waiting and trying to be helpful as scammers do.

It was not a good day anyway, torrential downpours made the drive to Playa a nightmare, flooded streets that I thought would drown our little pickup, having to sit in a laundromat in the land of other-people-do-my-laundry, no internet that morning because the LNB on the dish was full of water...it wasn't a good day in paradise. So, with very little hope, I left Mimi with the laundry (that was the best part) and went off to the closest Bancomer for what I assumed would be a fruitless exercise of my spanish.

Of course, there was a line to see the people at desks. Interestingly, there was also a sign in sheet which made the line work more to my liking. While waiting, I asked one of the guards standing around if there was someone in particular that I should talk to about this. She was sympathetic but discouraging but she did go over and interrupt a woman sitting at a desk and ask her about it. The answer was about what I expected; no way to get it back, call your bank in the US and cancel it, it's a different company that handles the cajero even though it says Bancomer on the side of it, I don't have the phone number for the company, etc. I was about to give up and leave but the guard said for me to wait and talk to the woman.

I was so bummed out that I did stick around and only about a half hour later it was my turn. I explained it all again to her and added that I wouldn't be back in the US until April and that it would be very difficult for me without the card. She said she would make a call, she actually found the number and from what I could hear of her side she had to do some convincing and some proving of who she was and then she told them it was too late today but tomorrow would be fine. It was late, they had already locked the doors to the bank while I was waiting and I was her last person before she could go home. She told me to come back tomorrow at 9am with my passport. I thanked her profusely although to tell the truth I still didn't really believe that I would get my card back.

Well, I arrived this morning around 9:30 and signed in again and waited. What a job they have, there seems to always be a long line of people waiting for them and very little down time. When I got to her, I gave her my passport and she pulled my beloved ATM card out of a pocket on her purse. She photocopied the card and my passport and had me write a note on the bottom that I had received the card and sign it. Wow! I was getting my card back! I was so amazed and sooo grateful, I wanted to give her a hug but the desk saved her. She told me with the classic side to side finger action to NEVER use a cajero at a store again but only at a bank that was open. She also said this was the only time she could do this for me, good god I sure hope I'm not tempted to end up there again for the same thing! Still, it was a miracle! The sun came out, the rain stopped, it got slightly warmer...paradise is paradise again.

Actually, I decided that this was my good karma for taking the time to go to Cancun and tell the manager of CostCo about my credit card number being lifted there.

So, a reminder for others like me who "know" these things but get lax about it because it hasn't happened. Also, a big kudo to Bancomer for hiring a woman with the grace to be nice while spending her whole day with impatient people in a line staring at her.


Jonna - Mérida, Yucatán





Anonimo

Jan 11, 2007, 1:50 AM

Post #2 of 6 (753 views)

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Re: [sfmacaws] ¡Un Milagro!

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Good that it worked out, but a hassle, nevertheless.
More and more ATM's here have "swipe card" readers and the card can't be retained by the machine. However, a few weeks ago, I tried to use the new ATM at Patzcuaro BANAMEX and it said that the card could not be read. Sop, I used our card at CostCo in Morelia; no problem/ Now the BANAMEX ATM is working fine.

"En Boca Cerrada No Entran Moscas."

Saludos,
Anonimo


bournemouth

Jan 11, 2007, 6:50 AM

Post #3 of 6 (726 views)

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Re: [sfmacaws] ¡Un Milagro!

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That's really good news Jonna. I lost a card at a Banamex machine in Sonora one weekend. I was the first person in line on Monday morning with my passport etc. - they opened the machine, pulled out a wad of cards and mine wasn't there! How can that be?

We were just about to leave on a trip south so had to return to the house and call to cancel the card, leaving on the trip short one card. It never turned up. I agree with only using cards at a bank that is open or at your bank if on the weekend. At least they know you there and you have a small chance of finding the card when they open the machine.


Papirex


Jan 11, 2007, 9:23 AM

Post #4 of 6 (688 views)

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Re: [sfmacaws] ¡Un Milagro!

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I had a similar experience 2 or 3 years ago when a Banamex ATM kept my card at the local Costco, I got the money I wanted, but the machine retained my card at the end of the transaction. A store employee tried to get the card back by inserting his own credit card part way into the machine, and quickly withdrawing it. My card came part way out of the machine, but quickly went back in before the clerk could grab it.

I don’t recommend that method. When the clerk went to find someone that spoke better English than he did, I tried it myself with one of my own credit cards. The machine pulled the card right out of my grasp. I was surprised at the force the machine used. I held on to the card tightly with both hands, but the machine was stronger than I was. When I canceled the second transaction, I got my credit card back, but not the ATM card.

The second young man that came to help me said he would need to call the bank to get my card back. I accompanied him while he made four phone calls to various bank offices. Thank God he was helping me, I wouldn’t have had a clue about who to call.

After the phone calls, he explained to me that he found out that the bank does not service their own ATMs, but a service company services the machines for several banks. The bank could not (or would not) come to open the machine to get my card back. The service company returns all cards found in the machines to the bank every Friday. This happened on a Monday so I had to wait all week.

The young man helping me was very helpful, and told me to come back to Costco on Friday, and he would go to the specified bank branch with me. When I came back on Friday he insisted that we use his car, he paid for the estacionimiento, and would accept no money for the gas or parking.

When we got to the bank, they said they would need some time to search for my card, and I would need to return on Monday with my passport to reclaim it if they found it. I told the guy helping me that he didn’t need to come with me again on Monday; I could do it by myself.

They day after I had reclaimed my card, he called me at home to find out if I had got my card back OK. It was his day off.

A couple of weeks later I went back to Costco to speak to the store manger to give the young man a high recommendation for all the extraordinary help he had provided me. I am well aware that one Oh shit! cancels 7 Atta boys.

Since that incident, I now make a point of trying to always use the ATMs with a slide through slot, or the protruding slot. I haven’t seen anyone mention the machines with the protruding slots. They look similar to the old style machines, but instead of a slot that is flush with the front of the machine, they protrude an inch or more with a U shaped cutout so you never let go of the card. You insert the card and immediately withdraw it, and then you enter your PIN number. I am seeing more and more of that type of ATM in recent months here.

We haven’t made a search for them, but now whenever we see an ATM with either the slide through or protruding slot, we make a mental note of where it is located. We have only found 8 of them here in Cuernavaca.

Our credit union issues us each a card with different numbers, different PINs, different expiration dates, and separate daily withdrawal limits of US$505 Dollars, for a total daily withdrawal limit of US$ 1010 Dollars. If one of our cards expires or is lost, we can still get our money using the other card.

This has proved to be very helpful. On 3 occasions one of our cards was lost because the user simply forgot to wait for the machine to spit it out. She was too busy counting the money and simply forgot about the card. I won’t say which one of us did it, but her initials are Doris.

Rex












"The supreme happiness of life is the conviction that we are loved" - Victor Hugo


Bubba

Jan 11, 2007, 10:26 AM

Post #5 of 6 (673 views)

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Re: [sfmacaws] ¡Un Milagro!

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AAAARRRGGHHH! What a nightmare that might have been much worse. You could have tried to go to Bancomer on the plaza in San Cristobal and found lines that stretched out the front door of the bank and back for a couple of blocks - a common occurrence in that city where many desparately poor prople go line up at the banks for meager transfer payments.

My wife is down there and needed to go to the bank to make an inter-account transfer for our architect and called me back in Ajijic to go to the bank here and make the transfer.

You were lucky to fine a decent desk person. They can often be arrogant and condescending. I made it a point to get to know my Bancomer branch manager very well here in Ajijic and can, thus, get around some of these problems. I call him by his first name which just shocks the hell out of my Mexican acquaintances.

I learned long ago while a bank branch manager that the (pardon me) squeaky wheel with a branch level solvable problem gets the grease. Some clients with very large balances were unknown to me because I never met them. Clients with small problems who came into the bank often got to know me very well and received personal attention from me and my staff.

I never use an ATM that could swallow the card unless it is a true emergency. Life´s too short.


(This post was edited by Bubba on Jan 11, 2007, 2:22 PM)


sandykayak


Jan 11, 2007, 3:50 PM

Post #6 of 6 (613 views)

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Re: [RexC] ¡Un Milagro!

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BUT...has she ever punched in 40.00 (dollars or whatever), yanked the money as she rushed to the doctor, only to find out she had punched in an extra zero?

Someone "found" $360 (USD!!) and did not turn it in. And I work for a police department!!

It was the credit union's ATM machine in the police lunch room. It would have cost me $75 for them to view the camera results, which would be returned if they caught someone, but they said it didn't work very well plus another cop said someone could reach for the money and keep their face out of camera range.

Didn't want to throw away any more money. Plus, I filed a police report and thought they might pull the video. Never heard from any investigators.

I HATE it when I can't blame anyone for my stupidity! :)

Moral to the story: make sure the transaction is complete and count the money in front of the camera.

But then I usually slip the money quickly to avoid becoming a target.
Sandy Kramer
Miami, Fla & El Parque
 
 
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