As much as I dislike banks common sense suggests to me that the bank should not have to pay for ones negligEnce. Why does the bank need to refund you they haven't done anything wrong.
Also what is stopping anybody from walking into their bank and claiming that someone had obtained their pin and extracted 100k from their a/c? And then reuesting the bank pays you,in effect, that 100k. Makes no sense to me.
The only two things that could have happened here is you are fraudulently claiming that your pin and card was stolen. Or it was in fCt stolen in which case you were negligent.
This is way harsh. She left her card in the hotel room, she did not disclose her pin no, she couldn't take the card swimming, she locked her room, she was as secure as if she were at home. She reported the lost card immediately. In circumstances like this, where thieves are able to get pins she should be refunded. She is not scamming and did nothing wrong, she was not negligent. She did it by the book. Banks have to take these things on the chin. She will win but she has to be persistant, that is the message from all the other posters on here.