Debit card cloned, 10k gone, bank denying claim. Advice?

[mackdaddy]

20. Homeowners insurance policies have some fraud protection.

So that is one area you can go after if you get no satisfaction from the bank or police or band regulators. The insurance company may also be a bigger pain for the bank, or pay for your legal expenses going after the bank. I would use this as a later resort though.

The bank people really are being pricks about this. Keep going after them and do not let up. I would ask for an escalation to fraud managers. It is amazing that they were waffling about filing a police report. That is a very large fraud theft. They almost act like if they can make you eat the theft then they get some kind of inside the bank reward for saving the bank an expense. Reminds me of dealing with trying to get pre-approval for a medical procedure from and insurance company.

So keep after the bank. Talk to the local branch manager if you have one. Keep after the police too. Ask if they have done any investigations, or checked any video evidence. Ask if this might be part of a larger fraud investigation. Call federal regulators, and your state attorney general, and the local media. Too bad it take all of this to make this particular bank do the right thing.