Hi Everyone
Long time reader, first time poster
Hoping someone can help me with a bit of advice/guidance. I was recently victim of a robbery where a <no swearing> managed to get my debit card and pin code without me being aware and withdrew well over €1200 from my account. Once I noticed, the next morning that my card was gone, I checked online banking and saw the money gone out of my account.
I cancelled the card, reported to the gards, and made a claim with Bank of Ireland. I soon found out that they had attempted 23 transactions worth a total of 5K. The bank would not tell me why they were unsuccessful in the majority of their transactions.
Bank of Ireland ruled that the person used chip and pin transaction so essentially this is not their problem and they will not refund me any losses.
I am trying to deal with BOI customer service (a special kind of painful) and appeal this decision based on
Has anyone here had any experience along these lines, or even appealing a Banks decision on fraud?
Many thanks for any responses
D
Long time reader, first time poster
Hoping someone can help me with a bit of advice/guidance. I was recently victim of a robbery where a <no swearing> managed to get my debit card and pin code without me being aware and withdrew well over €1200 from my account. Once I noticed, the next morning that my card was gone, I checked online banking and saw the money gone out of my account.
I cancelled the card, reported to the gards, and made a claim with Bank of Ireland. I soon found out that they had attempted 23 transactions worth a total of 5K. The bank would not tell me why they were unsuccessful in the majority of their transactions.
Bank of Ireland ruled that the person used chip and pin transaction so essentially this is not their problem and they will not refund me any losses.
I am trying to deal with BOI customer service (a special kind of painful) and appeal this decision based on
- This kind of behaviour is totally not reflected in my bank of Ireland user behaviour. I have probably never taken out 1000 euro in cash in a month, let alone in the middle of the night.
- If the person failed on the majority of the transactions why did BOI not try to contact me to confirm my identity. I have 2 factor identification set up
- From any CCTV or ATM machine cameras, it would be clear that it is not me using the card
Has anyone here had any experience along these lines, or even appealing a Banks decision on fraud?
Many thanks for any responses
D