I'm not entirely sure where to start except at the beginning: I lost my wallet and canceled everything in it. It happened awhile ago and all I remember is that I kept asking the people I lived with if a new one came. I was stuck at home and not worried about anyone stealing it.
Going to try to summarize the next part:
- I was in a shared living situation with immediate family.
- I was in a very rural area so had no access to things like bank branches without a car (which I didnt have).
- My bank had been bought out by another bank and all the access stuff was fubar, including statements.
I found a debit card with my name on it in someone else's belongings. I went bank branch because I couldn't get into the new bank's online banking system but it appeared someone had already set up a login with my information.
Went home, logged in, and saw dozens of charges that weren't mine. Called the bank, reported it, sorted out as many of the charges as I could until I got tired. They told me not to worry if I got a charge wrong or missed one because it would all be investigated. They didn't have a number for the fraud department, said they would contact me if they needed anything.
I decided that I would do a little digging because I was upset and there were 800 numbers on some of the charges. I called one of them got in touch with their billing department, got the name of the person on the account. It was one of my family members. I confronted them, they admitted that they took it, there is a record, the police say it's great evidence.
About a month and a half later, I tried to check on their progress. I told them about my suspicions. They cancelled the first claim I made, made a new one, attached all the information I had obtained (including a police report) to it.
Then I got a denial . The letter didnt specify what the denial was for so I called the branch. Branch couldn't figure out what was up and they decided to just resubmit it.
4 days ago they denied it again. I got a call earlier today, after practically begging customer service for help, from the fraud department. They said that they "think" I authorized this family member to use the card because:
- they lived with me
- this person made deposits of checks that were made out to me (this was routine because it was the easiest way of handling the split for household expenses, everyone hands the person going to town checks and that person drops them off at the counter.)
- something about the timing of the charges
I have never, and would never, let anyone use any of my cards. Ever.
I am not sure how to proceed except by continuing to contact them. Advice would be appreciated.