Doesn’t make any sense.

If it’s related to a visa bank not local visa bank or not….
1. Did your account was deducted the amount in the non local bank?
2. Did you keep the receipt from ATM that states “unable to dispense error”?
3. Did the local bank confirm that it’s their error and will refund before “under review”?

Send a final email to the said ATM bank stated that you have requested deduction of my local bank. It’s deducted. Show the statement. It has nothing to do with any non local bank now and this ATM and you.

If the local bank unable to resolve it by next week after the 1 month “under review”, send an email to BNM detailing the whole issue.

It should be fairly quick. Maybe 1-2 weeks max for them to tally. I will be worried since you don’t get any ATM slip / receipt, you don’t have a proof.

And pushing so long down the line, they can say they have no cctv etc and no proof that you didn’t receive the money.

You need to act quickly on your own. 1-2 months maybe if need to refund but they need to be clear in actually confirming the money didn’t dispense and you didn’t receive it. 1 month later any records etc might already been erased and complicate matter.

Just email to BNM and tell them the timeline. The non priority in solving this case is very worrying.