<prompt> Human: BankOfAmerica texted, emailed, and called my cell phone reporting fraudulent activity on my debit card. I logged into my account and flagged the fraudulent activity, which exactly matched what they thought was fraudulent.There were two charges, likely only minutes apart, as shown here :ATM 0913 WITHDRWL CARDTRONICS CCS2 LAS VEGAS NV 62.95ATM 0913 WITHDRWL CARDTRONICS CCS2 LAS VEGAS NV 402.95They tried first I assume for 60, plus the 2.95 terminal fee, and then a bit later for 400 or vice versa - it was a bit hard to tell which was first.So my first question is : did they use my PIN? I assume that if this got recorded on my account that 1 they spoofed a card with my number on it, and 2 used a correct PIN. If not, I shouldnt even be able to see those transactions.Second question : how did they get my PIN? I am massively careful with my ATM card, and it never leaves my hand - ever. I never swipe it - ever. I only use it in ChipPIN situations, and my prior transactions only ones within the past week were Home Depot, Target, and a BOA ATM. Since I believe it is impossible to swipe a card number OR a pin when you insert it into the chip reader - was it a camera that I missed? A duplicated keypad? Bad software at Home Depot?Third question : How did BOA know those were fraudulent? The three transactions prior HD, Target, BOA were all 1000 miles from my home. BOA didnt flag them as suspicious. But they DID flag the Las Vegas transactions as fraudulent. But heres the catch : I go to Vegas a few times a year, and ALWAYS withdraw cash while there - so me withdrawing money in Vegas is absolutely quite normal. As a matter of fact, I am going there next Monday, and will likely withdraw similar amounts then.Confusing part : I talked to a BOA fraud person on the phone, and she said that there are so many ways to lose your card number and PIN, and to just not worry about it; it happens. She said that the chip can be read without you even taking it out of your pocket. I assume she means RFID which the BOA ATM cards dont have - it is a normal Chip that cant be read that way, but apparently she didnt know that. I asked to speak to someone technical and was rebuffed.I have gotten my credit card numbers stolen quite frequently from restaurants - I have one disposable card solely for this purpose, and it is the ONLY card that ever leaves my hand. This debit card has never been out of my possession. And my PIN has never been written down or typed in anywhere other than a chip reading terminal.TLDR : Someone used a fake card with my debit card number in Vegas; did they have my PIN, and if so, how?  <response>: Dude move on and let it go. Just change your pin every 6 months or so if youre still paranoid, or better yet straight cash. 