<prompt> Human: Hiya, so this happened to my friend a few weeks ago. He lost his ATM card, at first he figured he just left it at home since he does this fairly often, no biggie. It turns out he dropped it somewhere, someone picked it up and was able to figure out his PIN. They then used it at an ATM a liquor store he had never been before. They basically deposited false checks, then withdrew the money, overdrawing his account and went on a shopping spree in the liquor store. He didnt get a notice about this activity until the last liquor store transaction. Upon receiving the text he locked his card and reported it to the bank but bank was already closed.He was expecting a deposit from his job and the bank got it used it towards his negative balance. He spoke to the bank and filed a report. The report came back stating that it was him or someone he knew because they had his PIN. Is there anything he can do? Hes going to try and fight it but he feels that its useless. Im frustrated for him it feels the bank just doesnt want to protect their customers. Whats worse is there are people who already are calling him stating he owes them the balance within 60 days or its going to collections.If it helps this happened with Wells Fargo.Edit: So I spoke with him on the phone just now. He said originally he was negative with them -1700, and even now he isnt sure how it ended up at 4k. Were thinking its reoccurring lateoverdraft fees. They locked his account so he cant see what the charges are. He is requesting a copy of the papers so he can understand their verdict. Edit 2: So he got off the phone with them and he just owes them -1700, even they werent sure why the paper they sent him 4k. But he done. He understands their position and doesnt want to continue anymore, instead hes trying to focus on how hes going to live the rest of the month and next. I am encouraging him to at least file a compliant with CFPB. Thanks for all the help. Assistant: Not convinced about this story at all. Not sure how your American banking system works but no bank that I know clears checks to the customer before theyve been through clearing which takes several days. Also the whole pin thing. Unless he blatantly set his pin as something ridiculous its very unlikely someone could just guess it. Just doesnt add up.Human: Im not sure how our banking system works either. But this is legit what happened. I know theres technology that allow people to get the pin number with the card. They deposited the checks into the ATM and pulled cash that way. I know for me when I deposit a check into my bank ATM it will say May not be available for purchases right away but usually the money is ready. So I dont know. The time of the transactions he was in West Hollywood and the transactions happened in San Bernardino, CA.  <response>: Yeah but there is usually a limit on how much cash can be withdrawn at once. 4K seems like a lot...feel like I usually see up to 500 being avail. ... And how the heck did they figure out the pin so quickly? The details seem a little sketch. Are you sure about your friends version of the story? The turn around seems too quick from losing the card to the funds be withdrawn. Sorry if Im missing something hereETA...I read this again and again and Im still confused. Wells Fargo is a pretty big bank...could he not call the 800 number and report the card stolen instead of waiting until the next day? 