Legal Question in Banking Law in Arizona

My debit card was taken from my motel room, used at an ATM, and put back. They had to be watching me previously to know pin. I was out working on my car. My bank doesn't believe me. Basically calling me a liar. I would not do that. 6 year customer! They are threatening to report to credit agencies. I didn't notice until next day. No police report. They have no proof it didn't happen! Do I have any ground here? Can I get my money back? $400.00.


Asked on 4/24/12, 2:07 pm

1 Answer from Attorneys
Joyce Johnson-Stovall Johnson Stovall and Associates PLLC

Depending on which bank you used, often an ATM machine is loaded with a camera which snaps a picture of the person who made the transaction. Not all banks and ATM machines have that device. That may be a place to start to determine who used the ATM machine. Crooks sometimes have "card readers" which steal the pin number when they come behind you and use equipment at gas stations, ATM machines, etc I am not sure what is going on with your bank, threatening to report information to credit agencies. If you would like to call our office to make arrangements to provide us with additional information, perhaps we can direct you in the appropriate method to get your money back. Call Stephanie Coulter at 602 462 1004 to make arrangements to provide us with additional information.

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Answered on 4/27/12, 7:39 am


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