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[BarnicaleBob]

I know the OP's complaint was about the ATM having a problem but while we are on the subject I thought I would pas this along.
Here is a report from Scambusters about how some crooks manage to scam you when you use an ATM, at the end it also gives advice on how to prevent these things from happening to you:
5 Common, Real ATM Theft Scams

1. The Lebanese Loop

Many thieves are using external devices to confiscate your card. In this scam, a blocking device (which can be as simple as some film glued to trap ATM cards), is inserted into the card slot of the ATM machine. Unwittingly, you place your card into the machine and enter your PIN. All the while, someone nearby may be watching you enter your PIN number.
A very common reaction is to go into the bank to report your confiscated card. Now the thieves jump into action. They remove the blocking device, along with your trapped ATM card and withdraw money from your account.
The way the scammers use the Lebanese Loop can vary. Often, once your ATM card is trapped, a "Good Samaritan" will show up and offer advice on how to get your card back. They may suggest that you enter your PIN number a couple of times.
They might also offer to hold the cancel button while you enter your PIN. What they're really doing is memorizing your PIN number. They're certainly not Samaritans at all!
2. Card Skimming

Skimmers are devices added to ATM machines to capture your card's information, including your account number, balance, and PIN number. These devices, often mounted alongside a machine and labeled 'card cleaners,' are difficult to notice unless you're looking for them.
You may also find card skimmers mounted beside the normal ATM card slot with a sign that says, "slide card here first." Sometimes they are even mounted right on top of where you would normally enter your card. Skimmers can actually collect and store up to 200 ATM cards before they need to be removed by thieves.
3. Shoulder Surfing, Fake PIN Pads, and Even Fake Machines

Another way to glean your ATM PIN number is for thieves to mount a wireless video camera inside the ATM area. It can look as harmless as a brochure holder. Once the scammers have your number, magnetic strips are easy to make and thieves are able to easily reproduce ATM cards.
In addition to using cameras to collect PIN numbers, thieves have designed fake PIN pads that they place on top of the original ATM PIN pad. Unfortunately, with fake PIN pads, your ATM transaction will proceed normally and you won't know a scammer has stolen anything until it's too late.
Thieves have also taken to occasionally putting up fake ATM machines in and around shopping centers and other public locations. Upon placing your card into the card reader, these machines collect your ATM PIN and account information. They do not dispense cash. Rather, a screen comes up that says that the machine is out of money or out of order.
4. Cash Trapping.

Similar to the Lebanese Loop where a thin sleeve traps your card, this time your cash is trapped by a sleeve or device slipped inside the cash dispenser. Your transaction will operate normally, but you won't receive the cash you've withdrawn.
Chances are you'll either walk or drive away assuming the machine is out of order or you'll go inside the bank and report the incident. Either way, you have left the machine and the thieves can walk up, remove the device, and your cash.
5. Phishing

We mentioned above how easy it is for thieves to replicate ATM cards. All they need is a magnetic strip and a plastic card. Armed with an ATM card, all a would-be thief needs is a PIN number. Some email phishing scams have been designed to find out just that.
Representing your bank, a scammer can send you an email with a notice on it saying something about incomplete account information or that you need to update your account information. You click on the link and follow the directions but you're not at your bank, you're at a site designed to look like your bank by thieves. They collect your information and are free to replicate your ATM card or simply withdraw your money from your account via online banking.
8 Tips to Help You Protect Yourself From ATM Theft:

• 
  Get in the habit of using the same ATM machine for your transactions. Become familiar with it and be able to recognize changes to the machine.
  
• 
  Use ATM machines inside banks rather than on the street (where they're easier for thieves to access).
  
• 
  If you're visiting an unfamiliar ATM machine that is not inside a bank, examine it carefully for devices. Card or cash trapping devices need to be glued or taped to the card reader or cash dispenser. Look for 'extra' cameras beyond the basic and generally obvious ATM security camera.
  
• 
  Never rely on the help of strangers to retrieve a confiscated card.
  
• 
  Never use an ATM machine when other people are lingering.
  
• 
  Report confiscated cards immediately. If you can, don't leave the machine. Instead call the bank from the ATM where your card was taken using a cell phone.
  
• 
  Don't use ATM machines with extra signage or warnings posted on the machine.
  
• 
  Never follow a link in a supposed bank email notice. If you are wondering if your bank has really contacted you via email, then close the email and directly type your bank's website address into your [color=blue !important][font=inherit !important][color=blue !important][font=inherit !important]browser[/font][/font][/color][/color]. Visit your account and look for update notices directly on your account or bank's website. The email is almost always a phishing scam.

While ATM theft isn't going to go away, the Global ATM Security Alliance reports that just .0016% of all ATM transactions worldwide are affected by crime or fraud. Additionally, with a little bit of care and attention, you can avoid these scams and keep your money.

[GreenSnapper]

ianguygil, on 2012-02-08 11:24:28, said:

You can rest assured that if this happened exactly as you said in your post and the machine did not dispense the cash but debited the account that we will take care of it. As many posters have mentioned any reputable bank will do this.

Well, I cannot speak for Bangkok Bank, but have experienced the "reputable" yellow (Ayudya) Bank.

ATM attached to branch. Want to take 20,000 Bt with my foreign card. No money dispensed, but booked from my account.

Went inside the branch and talked to the manager. "Mai pen rai, this is not our problem. Please talk to head office". ATM was still online and nobody even made some efforts to shut it off.

Went to head office. "Mai pen rai, this is not our problem. Please talk to your home bank".

Talked to home bank. "Please send a letter and all documentation about this case by registered mail. We'll look into it".

Set up a letter and sent by registered mail. Several weeks later my money was reimbursed. I'm not sure my home bank ever got it from the Thai bank.

So it was a big nuisance and I was actually lucky not to have lost the 20K Baht.

[Bpuumike]

LAKRA, on 2012-02-08 08:34:45, said:

SlumdogMillionaire, on 2012-02-08 07:08:05, said:

Yep add another person to the list.

Happenend to me in Ramkhamheang, the amount was 7000 baht and had to wait one week while they "investigated", got the funds back but still a right pain in the arse.

Yeah it happened to me as well in Ramkhamhaeng. Was it the ATM just outside the Mall before you get to the car park?  As you say it took a week for the repayment. I don't use that ATM anymore.

Is that the one next to the 7/11? It never works/delivers cash, but have never been charged either.

[Bpuumike]

Dave9000, on 2012-02-08 08:39:56, said:

I don't use the ATM. The girl in the BKK bank is GORGEOUS!

Check out SCB in The Mall, Ramkamphaeng.

The ladies at BBL Emporium are pretty gorgeous too, just to show not biased.

[Bpuumike]

BarnicaleBob, on 2012-02-09 09:52:01, said:

I know the OP's complaint was about the ATM having a problem but while we are on the subject I thought I would pas this along.
Here is a report from Scambusters about how some crooks manage to scam you when you use an ATM, at the end it also gives advice on how to prevent these things from happening to you:
5 Common, Real ATM Theft Scams

1. The Lebanese Loop

Many thieves are using external devices to confiscate your card. In this scam, a blocking device (which can be as simple as some film glued to trap ATM cards), is inserted into the card slot of the ATM machine. Unwittingly, you place your card into the machine and enter your PIN. All the while, someone nearby may be watching you enter your PIN number.
A very common reaction is to go into the bank to report your confiscated card. Now the thieves jump into action. They remove the blocking device, along with your trapped ATM card and withdraw money from your account.
The way the scammers use the Lebanese Loop can vary. Often, once your ATM card is trapped, a "Good Samaritan" will show up and offer advice on how to get your card back. They may suggest that you enter your PIN number a couple of times.
They might also offer to hold the cancel button while you enter your PIN. What they're really doing is memorizing your PIN number. They're certainly not Samaritans at all!
2. Card Skimming

Skimmers are devices added to ATM machines to capture your card's information, including your account number, balance, and PIN number. These devices, often mounted alongside a machine and labeled 'card cleaners,' are difficult to notice unless you're looking for them.
You may also find card skimmers mounted beside the normal ATM card slot with a sign that says, "slide card here first." Sometimes they are even mounted right on top of where you would normally enter your card. Skimmers can actually collect and store up to 200 ATM cards before they need to be removed by thieves.
3. Shoulder Surfing, Fake PIN Pads, and Even Fake Machines

Another way to glean your ATM PIN number is for thieves to mount a wireless video camera inside the ATM area. It can look as harmless as a brochure holder. Once the scammers have your number, magnetic strips are easy to make and thieves are able to easily reproduce ATM cards.
In addition to using cameras to collect PIN numbers, thieves have designed fake PIN pads that they place on top of the original ATM PIN pad. Unfortunately, with fake PIN pads, your ATM transaction will proceed normally and you won't know a scammer has stolen anything until it's too late.
Thieves have also taken to occasionally putting up fake ATM machines in and around shopping centers and other public locations. Upon placing your card into the card reader, these machines collect your ATM PIN and account information. They do not dispense cash. Rather, a screen comes up that says that the machine is out of money or out of order.
4. Cash Trapping.

Similar to the Lebanese Loop where a thin sleeve traps your card, this time your cash is trapped by a sleeve or device slipped inside the cash dispenser. Your transaction will operate normally, but you won't receive the cash you've withdrawn.
Chances are you'll either walk or drive away assuming the machine is out of order or you'll go inside the bank and report the incident. Either way, you have left the machine and the thieves can walk up, remove the device, and your cash.
5. Phishing

We mentioned above how easy it is for thieves to replicate ATM cards. All they need is a magnetic strip and a plastic card. Armed with an ATM card, all a would-be thief needs is a PIN number. Some email phishing scams have been designed to find out just that.
Representing your bank, a scammer can send you an email with a notice on it saying something about incomplete account information or that you need to update your account information. You click on the link and follow the directions but you're not at your bank, you're at a site designed to look like your bank by thieves. They collect your information and are free to replicate your ATM card or simply withdraw your money from your account via online banking.
8 Tips to Help You Protect Yourself From ATM Theft:

• Get in the habit of using the same ATM machine for your transactions. Become familiar with it and be able to recognize changes to the machine.
  
• Use ATM machines inside banks rather than on the street (where they're easier for thieves to access).
  
• If you're visiting an unfamiliar ATM machine that is not inside a bank, examine it carefully for devices. Card or cash trapping devices need to be glued or taped to the card reader or cash dispenser. Look for 'extra' cameras beyond the basic and generally obvious ATM security camera.
  
• Never rely on the help of strangers to retrieve a confiscated card.
  
• Never use an ATM machine when other people are lingering.
  
• Report confiscated cards immediately. If you can, don't leave the machine. Instead call the bank from the ATM where your card was taken using a cell phone.
  
• Don't use ATM machines with extra signage or warnings posted on the machine.
  
• Never follow a link in a supposed bank email notice. If you are wondering if your bank has really contacted you via email, then close the email and directly type your bank's website address into your [color=blue !important][font=inherit !important][color=blue !important][font=inherit !important]browser[/font][/font][/color][/color]. Visit your account and look for update notices directly on your account or bank's website. The email is almost always a phishing scam.

While ATM theft isn't going to go away, the Global ATM Security Alliance reports that just .0016% of all ATM transactions worldwide are affected by crime or fraud. Additionally, with a little bit of care and attention, you can avoid these scams and keep your money.

Thorough advice, and to prevent 'worst case' scenario spread your cash around accounts in different banks.

[Jayman]

One way I avoid ATM fraud is to have 2 scb accounts.  They are linked online and I use one to pay bills and hold money and one to pull out money via atm.  It is very easy for me to transfer the money I need to pull out in 2sec via my telephone.  Then the ATM card that gets used is only able to pull out the cash I drop in there.  The rest of the money is kept in a sep account.  Also, I highly recommend you sign up for the cheap SMS service from SCB.  I get sms alerts within moments of any activity on my accounts. Even before the atm card comes out I have a sms showing the withdraw amount.

Edited by Jayman, 2012-02-09 22:11:48.

[bendix]

Never ever ever had a problem with any bank in Thailand, and I have or have had accounts with Bangkok Bank, Siam Commercial and Standard Chartered.  In fact, after returning to the UK a couple of years ago and now being in HK, I find the service in Thai banks way ahead of those in the UK and on a par with HK.

When I returned to the UK, it took me weeks to get a simple bank account set up, notwithstanding I was a UK passport holder and was in a job paying a six figure salary.  And credit card?  Forget it.  For the first four months, nothing.  Then they deigned to give me a card with a limit equivalent to about two days salary.  I gave up in the end, and converted my Thai Amex card to a UK one and used that instead.

Compare that with when I arrived in Thailand.  I had an account sorted on my first day, and a credit card with a credit limit equivalent to six months gross salary within three weeks.

Just this morning I transfered from funds from HK to Thailand.  I did this online from my Standard Chartered account in HK to Standard Chartered in Bangkok.  Within forty minutes of me clicking the confirm button on my screen, Mrs B received an sms saying the funds had arrived and were accessible.

[Suradit69]

12DrinkMore, on 2012-02-07 23:47:16, said:

Never had a problem in dealing with Thai banks over 15 years.

Likewise. No problems with ATMs or  deposits made to the New York branch of Bangkok Bank to be credited to my account or anything else that potentially could go wrong ... more than 15 years now.

Machines can malfunction . Report the problem to your bank and/or Bangkok Bank.

Edited by Suradit69, 2012-02-12 11:18:28.