Quote:
Originally Posted by MrBottomTooth
Well I didn't know, that's why I asked. And I am just assuming a bank machine was tampered with, they never actually said when they called. How else would it happen? Could also be a shady clerk in a department store that seen him entering his PIN and then did some transaction later on. I don't know how the ATM systems work to be honest.
After searching more, it looks like as long as you can prove you didn't contribute to the theft due to your own negligence the bank should cover it.
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It depends on the bank, and I believe a lot of people in this thread are misunderstanding your actual question. If you are indeed talking about a
PIN transaction then things can get fishy. Fraudulent transactions, made using the PIN number, are commonly not refunded by U.S. Banks. Unless it is proven to be fraud, ie; the bank's system or security was compromised.
Reason being, no one should know your PIN number. It cannot in reality be "stolen", as it's only in your head or the bank's system. If it's written down somewhere or anything, then you're at fault as it's against the TOS/TC to write down or store your PIN anywhere. It's not like you can call an automated system to get your PIN, you cannot even call a bank rep and get your PIN, they don't have access to that information.
However you might be in the clear, since they called you - which would lead me to believe it is probably a fault on their end.