<prompt> Human: EDIT3: Dont use a damn debit card, I get this now!EDIT2: Filed a police report. I contested the charges after finding a charge to a FUENTES NOVELS in an area 8 hours away from me. I contacted my bank and disputed the charges then found a branch open on a Saturday to have my card replaced and I destroyed the old one, they flagged the old card so the number could not be used. I was granted provisional funds and the person I spoke to said she would be surprised if it was not found to be fraud.Yesterday, always in time for the weekend, I received a notice that the bank found the charge to be valid. What can I do? I feel my bank is helping steal from me? I have charges made earlier that day and after that purchase that prove I was in my city and could not have possibly made a purchase at costco at 10:00 am, withdrawn money over 8 hours away at noon, and been back 10 fucking minutes later to buy coffee.EDIT: I spoke with someone on the phone from a fraud department and he was confused. He told me that the reference number from the letter I received saying the charges are valid doesnt match the ref number of the ongoing dispute. After some examination he told me that there were two attempts for the same amount of money, possibly, and that the first one was cancelled while pending and that the letter I received is likely an automatically generated letter sent to me regarding the earlier dispute. Either way it seems no one that Ive talked to knows what the hell is going on and Ill have to wait until Mon. to resolve the issue. Thanks for all of the help so far. Has anyone been through this before?Assistant: I worked for Citibank for many years and what you are experiencing is very uncommon. Ok so regarding the charges themselves we would deal with that on a daily basis. Now many bankers in the branch really suck at what they do, they are actually very bad at what they do. Most are not trained on how to deal with this beyond a 30 minute web based training so its no surprise thats the result you may have gotten. Many bankers dont know the proper forms to even file for the variation of charges, as in the case of whats the card swiped, or was the card entered via a keypad. My suggestion would be to call the customer service number on the back of the card and ask to speak with fraud services. Inform them that you already filed a dispute, however that something was off and would like to claim fraud on the account. The best thing you can do as you already got a rejection from the bank is to file a police report. Ok I know that sounds a lot worse than it is but cops are used to doing this. Just go to your local police percent and tell them My card information was stolen and I was told that the bank needs a police report on file Explain that charges were found at Fuentes Novels and that wasnt you doing it. Once armed with a police report you can fax that over to the bank with a form that the bank should have you fill out. The police report pretty much puts the bank in place and is almost forced to give you the funds. Im willing to bet you the banker that initiated the dispute didnt know what the hell he or she was doing. Human: I dealt with two people. Because I caught this when the charges were pending the first person I spoke to assured me she had cleared everything up and it was resolved. Two days later I checked my account, a server issue prevented me from accessing my online account information, I see the charge went through and I was out the money. So I agree no one that I have spoken to seems well informed. Again, I searched for this business and I cannot find anything through any searches. I cant find it as a website or as a business I can find via a map. I even looked in the yellowpages for that city and found nothing. Is there any more information that I need to know? Any chance of doing all of this on a Sunday?Assistant: Gotcha on the two people. Sunday even from a fraud department aspect has always been a dead day. If you call the bank you will most likely get a security rep which is nothing more than a customer service rep who handles calls all day long regarding only fraudulent charges. All these folks do is fill out an electronic form and submit it which goes into a a nice stack for the analyst to start working on Monday morning. I wouldnt do anymore leg work on the business, just a waste of time really, the banks have all the information. What most people dont realize is that the bank simply pulls the money out of the merchants account and it goes back to you so the burden of proof is on the merchants shoulders not yours. You should also get a form in the mail or sign a form in the bank called a Affidavit of fraudulent charges, every bank has one May go by another name with some banks. Honestly being Sunday shoot over to the police station and just get a police report. Call the bank Monday morning, not sure where you bank but if you are dependent on the provisional credit you would have to wait until Monday anyways Citi wouldnt do anything on a Sunday.Also I know this isnt your issue but the folks talking about Debit card pins and it falling on you no matter what is a huge myth. We dealt with that all the time and we have a different department that deals with that because we do pull video if its an ATM withdrawal 100 of the time, your never on the hook for anything fraudulent, but again I may sound like a broken record but that police report at this point should be really key. Hope this helps some. Human: Seems like Im due to check out my new local police station then.Is this report something an officer will know offhand how to help me with? The person I spoke to told me that I would have several days to return the provisional funds if necessary and I am hesitant to keep anything in the bank at all unless I know I am spending it that day.  <response>: I suggest not just traveling to your local police station. find the non emergency number and call. 1. it is probably a complaint they can handle over the phone, 2. you might into the issue of different jurisdictions where maybe your address is not covered by the police station you wander in to. 