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Hello. I'll be happy to assist you. What bank are you using?
OK. Under federal law, the bank is responsible to refund the money UNLESS the customer acted fraudulently, or grossly negligent. So, the question then comes down to how the thief got your PIN. Banks have taken the position that if you write your PIN down or store it somewhere that's accessed by the thief, that is grossly negligent behavior on the part of the customer, and they would not be responsible for the loss. So, the question comes down to the specific facts in your situation. Was your PIN written down and stolen? Was it taken as part of a large data breach that included PINs? In other words, how your PIN got out there is the ultimate question.
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