ATM Fraud - no help from Huntington, what do I do?
I noticed fraudulent charges from 2 of my accounts. One on 7/22 for an ATM withdrawal for $600 and another ATM withdrawal for $200. I called and filed a dispute immediately and canceled the card. Then on 7/23 I noticed on my other Huntington account more fraudulent ATM withdrawals: 3 transactions, one for $600, one for $200 and one for $800. So again, I immediately called and filed a dispute. The bank informed me of the ATMs used for the withdrawal and they were within my state but both ATMs were in cities I had never been.
I have had fraud before but never ATM withdrawal, I still had both my physical cards so I assume skimming? Though honestly I don’t fully understand how that works…
Anyways, now I have been fighting with the bank for 4 weeks because they are saying the transactions are valid… they are also claiming I authorized these cards to “be added to a phone.” But I would not authorize anyone to add my cards to a phone and I didn’t even know you could do ATM withdrawals without a physical card!
The disputes have been closed and reopened twice now by me. When I try to speak to a person it’s impossible and they claim that the people who investigate the fraud for the bank is “not customer facing” so I cannot speak with them. The rep on the phone just keeps repeating the same talk track over and over again and not answering any of my questions…
What do I do? Collectively I am out $2400 which is a huge financial blow! I’m lost and also freaking out!