I called my bank the next morning, and they arranged to refund me
$295.53 (covering the charges made through 6/15, 9:41am), and I faxed them a notarized affidavit saying those charges were
fraudulent. The $10 I paid to get it notarized was my only cost in this
whole thing. The bank said they would cancel my debit card and send me a
So I thought everything was fine.
Yesterday, Friday, I got home to discover a letter from my bank saying
they had deposited $334.11 in my account. That was the first I
learned of some additional charges made on my card Tuesday night. I guess
the bank didn't cancel it in time (see top 5 transactions).
On the "Affidavit: Fraudulent Use of a Credit or Debit Card" I signed,
there was a question that said "Has this loss been reported to police
department?" I answered no, then emailed the person at my bank
handling the case. She wrote back and said:
<The name of my bank>
does not report this to the authorities. Most of the time reporting is
done if know who committed the crime against you. If you do not know who
it was, you may decide not to report this case.
My friend Dan says that it probably won't do any good to report, and if
I do, their response will be something like "we'll get to it right after
we solve these six murders." He's probably right, but I am going to
send the police department the information anyway, just in case.
Maybe they're working on another similar case.
This morning, I decided to call the
Handel on the Law radio show
on KFI AM 640, and I actually got
through. Here is the transcript or you can download the audio:
Handel: Welcome back to
Handel on the Law. Bill Handel, marginal legal advice where I tell you you
have no case. Matthew, welcome to the show. Hello.
Me: Hi Bill,
Handel: Yes Sir,
Me: What police
department do I report an ATM debit card fraud to?
Handel: To the local police department, wherever it happened.
Handel: Yeah, also, you wanna talk to your bank, the bank too.
Me: I talked to my
bank, I got the money back, but I just, uh, wanted to make sure that
somebody knew about it 'cause somebody used my ATM card in Arizona, but I
haven't been there.
Handel: Call the local cops, right there, whatever city, and turn 'em
Handel: You know, and get an investigation going, okay?
Handel: See you later. Good for you, and good for the bank for
returning that money as quickly as they did, too. That's for sure.
So, I'll see what happens. Probably nothing. But it annoys me that
someone would steal money from my credit union. Also, I should probably
now check my credit report and make sure everything it still in order.