This happened to me a couple years ago. They got $1200 from my TDCanadatrust account. I was in Toronto visiting someone and I got a call one morning from their security dept. asking if I had withdrawn $1200 the previous night. No.
Long story short, they surmised that my card had been double swiped at a convenience store and then I didn't cover up my pin while punching it in. Therefore, it was my fault and I could take a flying leap.
I told the person that when I use debit, I pick up the pinpad hold it relatively close to my body, angle it upward so that the teller can't see, and punch it in.
She tells me that it was probably someone looking over my shoulder. I told her that I'm pretty aware of whose standing around me during this type of thing, and she comes back with the whole "they're really good" rant.
I finally cornered her when I asked her how I was supposed to guard my pin from the teller, people beside me and behind me, and the hidden camera in the roof and STILL be able to type in the pin. She stammered a bit, then I told her that newspapers love stories about big mean banks ripping off poor young individuals.
It took 6 weeks (they had to "investigate" first), but that 2 minutes of arguing got me my money back the same day.
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