Bank of America ATM Took My Card and Money

Bank of America ATM: What to Do if Your Card and Money Are Not Dispensed


An ATM is a convenient way to withdraw cash and manage your finances. However, unexpected situations can occur, such as an ATM failing to dispense your card and money. In this article, we will address the steps you can take if a Bank of America ATM fails to release your card and the requested money. Following these guidelines can resolve the issue efficiently and safeguard your funds.

Remain Calm and Assess the Situation

Discovering that an ATM has taken your card and not dispensed your money can be frustrating and concerning. However, it is crucial to remain calm and focused. Take a moment to verify whether the transaction has indeed been completed or if there was a malfunction in the ATM. Sometimes, there might be a delay in dispensing cash, so wait a reasonable amount of time before taking further steps.

Contact Bank of America Customer Service Immediately

When you realize the ATM has not released your card and money, contact Bank of America’s customer service helpline. They are available 24/7 and will guide you through the necessary steps to resolve the issue. Please provide them with all the relevant details, including the location, transaction time, and the amount you attempted to withdraw. This information will assist in their investigation and help expedite the resolution process.


Related: ATM Transaction Errors and Dispute Resolution

Document the Incident

Document the incident to support your claim and assist in any potential investigations. Note the date, time, and location of the ATM where the problem occurred. If any surveillance cameras are nearby, inform the bank and request they review the footage to determine what happened. Additionally, keep any transaction receipts you may have received as evidence.

Visit a Bank of America Branch

After contacting customer service, consider visiting a nearby Bank of America branch to report the issue in person. A bank representative will guide you through the necessary steps and initiate an investigation. If necessary, they will also assist you in blocking or reissuing a new card. When visiting the branch, bring identification documents and any relevant transaction receipts.

Monitor Your Account and Review Transactions

While the bank investigates the incident, it is important to keep a close eye on your bank account activity. Regularly review your account statements online or through the Bank of America mobile app. Check for any unauthorized transactions or suspicious activity and report them to the bank immediately. By monitoring your account, you can promptly detect and address any potential fraudulent activity.


Follow Up with Bank of America

Stay in contact with Bank of America throughout the investigation process. Maintain a record of your interactions with the bank, noting the names of the representatives you speak with, the dates and times of the conversations, and any relevant information discussed. Regularly inquire about the progress of the investigation and seek updates on the resolution.

Escalate the Issue, if Necessary

If you do not receive a satisfactory resolution within a reasonable timeframe or believe that your complaint is not being adequately addressed, you may need to escalate the issue. Bank of America has an escalation process that involves filing a formal complaint with its customer advocacy department. They will review your case and work towards a resolution that satisfies your concerns.


Experiencing an issue where a Bank of America ATM takes your card and fails to dispense money can be a stressful situation. However, by remaining calm, promptly contacting Bank of America customer service, documenting the incident, visiting a branch, monitoring your account, following up, and escalating the issue if necessary, you can increase the chances of a swift resolution. Remember, Bank of America has protocols in place to address such incidents and protect your funds, so it’s important to take immediate action.