I just got my bank statement, and I found several ATMwithdrawals listed that I didn't make. The statement says they were made in countries I've never visited, like Romania and Belarus. I called my bank the minute I saw I had lost over $1,500. Now the bank is telling me that, since I still have my debit card, I must have made the withdrawals. What can I do?
It looks like you've become a "skimming" victim. A crook may have used a device to copy information from the magnetic strip on your card, and somehow observed you using your PIN. In a skimming scam, the card and PIN information is quickly sent to confederates outside the country -- often in places like eastern Europe -- where it's copied onto counterfeit ATM cards. The bogus cards are then used quickly to drain the accounts of unsuspecting bank customers.
Bank regulators have reminded banks that customers who have been scammed like this are entitled to reimbursement for unauthorized withdrawals. Ask your bank to review your earlier claim. It sounds to us that they've forgotten the guidance they received about handling similar cases.
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It looks like you've become a "