So after multiple trips to Europe (and else where), an ATM ate our Capital One debit card today in Amboise France. Thought our experience might help others.
We used a bank ATM inside secure vestibule. Inserted husbands debit card. Nothing came up on the screen for either PIN or withdrawal options. Tried canceling, but nothing. We took pictures of the Bank Name, phone #, hours, street address etc. Then we Called Capital One, and first person I spoke with said to call the French Bank. I asked how that would work if I did not speak French. Had a very dificult time understanding this person, foreign accent. Then he said he could lock our account. Since its a joint account, our conversation went round and round asking if I would still be able to use my card if the account was locked. Finally gave up and said I woukd try to call bank first.
Called both French bank numbers and of course hear a recording in French. The picture of the bank info also said bank is closed on Monday (tomorrow) open on Tuesday. We are leaving here tomorrow morning, so no way to recover card from bank.
When I called Capital One back, the next person was understandable and more helpful. We locked my husbands card, and she assured me my card would still work. But Capital One will not send a replacement card outside of the US. In theory my CO card should work, and we have 2 Debit cards to access a different bank account. But I was surprised That Capital One would not send replacement out of US. Since we are living in Italy now, not a simple or cheap way to get the card sent to us.
Just another good reason to travel more than one debit card.