It's a date mix-up

Tell Claudienne

Claudienne Edwards

Sunday, December 16, 2012

Dear Claudienne

I am an American resident and am off the island from time to time. On August 28, 2010 I left for New York, stayed for Labour Day, the first Monday in September, then travelled to Miami and returned to Jamaica on September 11, 2010.

As usual, I did an audit of my bank account. I became alarmed as I noticed a withdrawal of $20,000 from my account on the Monday subsequent to my departure.

I contacted the bank on September 13, 2010 and made a complaint. I completed a form that was presented to me and was advised that the bank would investigate. Shortly after, I got a letter from the bank advising me to check with the police as they were unable to help. I protested and they referred the matter to an investigator who called me and told me that based on my profile a withdrawal was done at an ATM and my card was used. I denied that it was my card as I travelled with my access card and was prepared to tender my passport for evidence that I was away when the withdrawal was done. The investigator went silent and I never heard from him or NCB after that.

I was connecting at the Miami International Airport sometime after Thanksgiving last year and was very happy when I saw a senior executive of NCB. I approached him and related my experience with NCB. He listened, took my phone number and promised to call me as soon as possible. He never did.

I would be grateful for your assistance in this matter.


Dear EM

According to the NCB Public Relations Manager , the bank and you and several of their officials have been in dialogue about this matter. She said that you were advised that in order for NCB to do a formal investigation into this matter and treat it as a fraud you needed to make an official complaint to the police. She told Tell Claudienne that you refused to go to the police.

NCB said that their investigation did not show a pattern of fraud.

The bank said that the withdrawal of $20,000 from your account was done on Saturday, August 28, 2010, while you were still in Jamaica, and not on Monday, August 30, when you claim the money was withdrawn.

The bank explained that the general banking practice is for ATM transactions done on the weekend to have the following Monday's date as the transaction date. NCB said that the established practice is based on Bank of Jamaica rules. Apparently this practice led you to mistakenly believe that the withdrawal was done on Monday, August 30, after you had departed from the island on August 28.

Further to NCB's explanation Tell Claudienne requested the Consumer Affairs Commission (CAC) to meet with you and NCB and mediate on the matter. This meeting took place on Tuesday December 4.

The CAC said that arising from the discussion at the meeting they would write NCB about the need for the public to be informed that ATM transactions done on a weekend will have a Monday date as the transaction date.

NCB said that "we certainly will do our best to refresh and make new customers aware" of the value date for transactions done on the weekend.

You have advised us that the matter was amicably resolved at the meeting with the CAC.

Good luck.

Dear Claudienne

The street lights on Garden Boulevard in Mona Heights have been out for over two months. Many senior citizens live on this road and have become very fearful because of many persons being robbed on the road. We have called the Jamaica Public Service several times but to no avail.

Please help us.


Dear MW

Tell Claudienne contacted the JPS and note that the street lights on Garden Boulevard are now working.

Good luck.

Have a problem with a store, utility, a company? Telephone 936-9436 or write to: Tell Claudienne c/o Sunday Finance, Jamaica Observer, 40-42 1/2 Beechwood Avenue, Kingston 5; or e-mail: Please include a contact phone number.




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