Sometimes ATMs have errors or simply run out of money. If you experience a problem with an ATM, you can attempt to contact the ATM owner by calling the number listed on the ATM. In most cases, the ATM runs an error report each day, which will credit your card back for the funds you did not receive. This error reporting typically takes 24-48 hours to complete. If the ATM settles the transaction as though you received the funds, you will have to file a dispute. Disputes can take 60-90 days to finalize. Contact Customer Support for more information on filing a dispute.