I appreciate all of your thoughts\advice, and last night I guess I am guilty of being a post and leave. I just thought it was something I could come back to later on and read any replies, I wasn't aware that people would be expecting me to be able to clarify or answer them immediately, I guess since threads have to be reviewed by a moderator before they are posted. I apologize. I know better now and will be online for awhile tonight so I will be able to check my thread for any new thoughts or advice, should anyone feel like sharing.
To elaborate on my op, I have filed a police report, that is the first thing that I was told I should do, prior to even contacting my bank to initiate the dispute. That way I had a incident\report number to provide to the bank when I called. If nothing else, I think it would at least show the bank that I am serious about the transactions not being authorized, and not just trying to commit fraud myself. My concerns that prompted me to post in the first place were the facts that my pin had indeed been compromised, (I can come up with only that this person had at some point seen me enter it. I haven't ever let this person use my card at all, for any reason.), and the blatant lack of discretion on this persons part. They had a bank account at another bank, and it has since been closed because of my claim of fraud.
Like I said earlier, until now I only ever used my paper statements to balance my accounts, and over a billing cycle period, (roughly), this person had gone online, created an online banking account in my name, for my accounts, and was able to basically use it as their own. I suppose they could have had new cards mailed to them, but that might have set off one of their 'fraud alert' safeguards, and I might have been made aware. They were very careful to make sure that nothing looked suspicious, and were able to make regular, rather large transfers into their account. That's why I am so afraid that the bank will reverse the temporary charge back that they issued when I made the claim. $30,000 is a lot of money, its almost everything I had. I don't want this person to go to prison, but what else can I do? They are supposed to be getting a large settlement from an accident they were in due to a drunk driver last year, and they keep telling me that they will pay me back every cent when that comes in, but that's neither here nor there as far as I'm concerned. I'm very hurt. Why would they do this to me? I would have given them money if they needed it, I always have. Maybe not that much, but I just don't understand why its never enough for some people. S
orry to ramble on. Thanks again for your thoughts.