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If we have not received a credit back for the transaction we will have to charge back the transaction. This should not be an issue since the ATM owner says you were right.
We have to follow Visa's rules and charge back the transaction and then the merchant have 60 days to re-presentment the transaction, if they do not do this (agreeing the CB is OK) then we will put the money back into your account.
I know its a hassle but we have to follow Visa's rules to protect ourselves and our card holders. It may seem as a hassle to everyone but there is a reason we have been in business for a long time while others have come and gone.
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Truth Teller
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