So have been using my Citi ATM card for my account in HK to withdraw in the UK for the last year or so on and off, and keep running into a very, very annoying issue.
3 times now I have used (different) ATM's in the UK to withdraw the currency equivalent of 600hkd, only to find the UK ATM go through the whole thing and then say 'We cannot process your transaction', and then spits out no money. Only to get a notification from Citi within seconds that the withdrawal took place, debits my balance and it literally gave out no money.
What makes it even stranger is that 5 minutes later I try again and the withdrawal happens without issue. About 3 out of 30 withdrawals have now caused me this problem. The 1st one back in March got re-credited back to my bank account 4 months later. So I am getting it back, but why? Anyone have any idea.
I know I can get the ATM number, call up Citi and dispute it etc etc. But the credit does seem to work its way back eventually but I am now thinking its getting a bit odd. Today was the 2nd or 3rd time this happened. 5 minutes later withdrawal goes through fine.
Putting the card in the wall, 'hoping' to get the money and not getting my bank account debited for a phantom withdrawal is not something I want to keep happening.
Finding it weird now.