Four individual withdrawals totaling $2,000.00 had been made from his checking account from four different ATM machines. When he told his bank about this, they immediately credited him back the $2,000.00, but they later changed their minds and removed the money from his account again. They told him the reason for this was that the money had been legitimately taken out of his account with an ATM card, and because of this he wasn't entitled to have the money credited back into his account.