I received an automated call from Visa about suspicious activity on my debit card and I called them back promptly, confirmed the charges were not made by me, and cancelled the card immediately. After viewing my bank statement, I went to the website on which the purchases (a little over $500.00 total) were made, a website I use frequently for browsing but had not yet made a purchase. The two purchases were made through my account to be shipped to my very address and their detailed contents, tracking number, etc. were all available to me. By the time I was made aware of these purchases, the packages were already in route. I figured I could wait on them to arrive and just send them back with no harm really done; however, when the day came for them to be at my apartment, I never received them. According to UPS, the packages were delivered. The same day I noticed some particularly random pending purchases on my Amazon account, through which my debit card was also linked. Fortunately they were recently placed and I cancelled them in time and deleted my financial information from my profile as well as change all of my passwords on all of my accounts. In addition to these two instances there were a few odd accounts of money being moved from my savings and into my checking back and forth a few times before the money was eventually spent.
I never lost my credit card, so I searched through all of my accounts and eventually checked my Internet's history. That was when I discovered that the purchases were made from MY computer. We have people over almost constantly and I have never been concerned about any sort of theft from people I know; however, as they say, "the proof [was] in the pudding." All of my personal account information is stored on my Mac, which is usually locked and never travels with me. I had documents of my account names and passwords for absolutely everything, which is obviously an egregious error.
My question is: how could I possibly go about disputing these charges with my bank? If they investigate the purchases that were made, they will show up under my IP address. I would have no qualms with pressing charges against whoever was responsible, "friend" or not, but I have no leads on the identity of the perpetrator. So, I believe they will view my "case" as thus: large quantities of items I frequently buy online (books - about 100 total) were purchased on an account I regularly use from my computer and shipped to my house. On paper this completely sucks and my story holds zero weight. Is there any chance I can get any money whatsoever credited to my account? I wish this were as straightforward as allowing someone to search my home, because the technology is obviously against me. I could sleep okay only being out fifty to one hundred dollars, but $553.25 is just too much to take lying down, especially with the penalties I now face for spending hundreds of dollars beyond the limit of my account. Is there anything at all I can do?
Thank you for your time and reading all of this gobbledygook.