The past few months, my boyfriend has been having trouble with his bank. Someone on the internet was making purchases with his card. He went to the bank to talk to them about it, and they had told him to just not make any transactions for al little while, so they could single out the purchases being made (which I didn’t understand, but maybe it would help?). Well that was a few months ago, he would withdraw money, so they knew that there was one location that was having money go out of, the atm, or the teller. Recently, he switched to direct deposit. The check that went in, along with any money withdrawn, which wasn’t much, went negative the amount of the check and then the withdraw fees, plus a few other fees off the internet again. He was going to have to pay the overdraft fee for everything that went over, which was going to be A LOT. When he went back to talk to the bank they told him that they would dispute one transaction, and send him a new card. Now, my first question is, shouldn’t they have sent him a new card in the beginning so he wouldn’t have had this problem, or should he have asked them to change it? Also, is it normal they do not reimburse him for his check that went negative for some reason since he didn’t spend any of that check or any of the overdraft fees other than the withdraws? Can anyone help? If you need any clarification, let me know, sorry so choppy.

Being in branch banking for years, they should have given him a new card at the time. If they find that the purchase or purchases were not his they should give him back aall the fees that were charged which you can prove were because of any or all of the tranactions in question, in addition to the total amount of those purchases! They have insurance, other fee income plus they make money everytime you use that card as a credit card. We use to give back a ton of money when the bank was in the wrong!!!

Banks are very hard to deal with when there are fraudulent transactions. The main suggestion I can give you is don't let so much time go by without talking to the bank. We have all our accounts online, and Hubby checks them daily. He can tell immediately when there is a problem. He calls the bank, and writes a letter to back up the call. If he doesn't get satisfaction within ten days, he's back on the phone, and sends a second copy of the original letter, with a new cover letter. It's important to keep after them, and to back everything up with letters and copies.

WOW yeah they should have canceled his card RIGHT AWAY and he shouldn't have to pay the fees.