On the 1st of January someone took it a pond themselves to make purchases with my debit card. Not only had they made several unauthorized charges in large purchases at three different stores, but continued to use card at the ATM and made sure to withdrawal the remaining amount, maxing out my checking account at the Bank of America. You would think that the bank would have contacted me or at the least put a freeze on my account after the first transaction due to the abnormal outrageous amount, considering the fact that I've been banking with Bank of America at the same branch for the past five years. I know you're probably wondering how this ever even had the chance of happening so let me explain. It's the simple common unfortunate act of my wallet being stolen. This all happened during the time that I was moving out of my house, because of that at first I wasn't thinking that my wallet was stolen but misplaced. I told my mom how I misplaced my wallet but was hoping that it would pop up somewhere during the move. The next day, on the 2nd, my mom called my bank and filed dispute the second she heard that the account was wiped out. I called to check the status of the dispute just to be informed that because my mom called in the dispute wasn't filed, therefor, I then filed one myself. I called a few days later yet again to check the status of my dispute and they told me that they were not going to refund me of my money. I explained how the charges made were unauthorized and if they reviewed tapes at the stores and ATM where the card was used they would clearly see that it was not me. I've been a loyal customer for over 5 years & never spent that amount in a single day or purchases that large. They had several signs & warnings that screamed fraud but they just ignored them, on both ends. The retail stores & the bank are both irresponsible for allowing the transactions to take place. I need my money and the have insurance to cover them what do I have to protect me?
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