<prompt> Human: Hi PF. About a month ago, I saw on my Bank of America account that a fraudulent charge of 1000 was made at a Home Depot in a city maybe about thirty minute drive away. I disputed it, and they sent me a new card. Today, I received in the mail that they said that because the chip was read, theyre going to still make me cough up the money for it. I have never gone to that specific Home Depot and my card has always been on my person, so no one could have taken it. I have also only used it to pay for gas at this one gas station in the past two-three billing cycles before this fraud charge, so I am definitely sure that someone there must have cloned it somehow. I posted about how this could be possible, and there seems that there could be some weaknesses in how the chip protocol is implemented. Additionally, it seems like Im not the only person this has happened to based on older PF posts coincidentally also from BoA. However, it doesnt seem like there has been a resolution to that post that I saw, so does someone have advice on how to proceed?Thank you!Update 2So I went to my local branch and asked for an affidavit so I could file a police report. They gave me a fucking ridiculous loop around and in the way I didnt get one. They did reopen the case, but get this. They only push off not making you pay the first time you file fraud dispute. However, After that youre responsible for amount stolen from you INCLUDING INTEREST even though they reopened the case! As soon as I got home I called their fraud department. Long story short, they transferred me to 3 different locations until basically they said they would mail me the receipt of the purchase with the signature and the affidavit by snail mail, which could take a week. They also said an analyst would also look into it in a week or two. Notice the timing of those. Not only am I still on the hook for the 1000, but theyre also taking a week for me to get the police process started and to be cooperative. Extremely frustrating. My advice and take away is Bank of America is only out for their own interest, do not look after their customers or care about their security, and are there to screw you over.UpdateSo I drove to the police station nearest to that Home Depot and they said I needed an affidavit from BoA before I could file a police report. However, I found the police department lets you file it online as well so I went ahead and did that. I also visited the Home Depot itself and was able to get a copy of the receipt. However, the receipt does not say whether it was PIN or signed, but it does show the time stamp. And that the purchase was as a gift card surprise surprise. Unfortunately they were pretty adamantly against letting me see the CCTV footage but I was watching the person printing the receipt and it seemed like it was there. Scheduled a meeting with BoA for Tuesday which is the earliest they open after Presidents day. Not sure what I am going to tell them other than I filed a police report and would like to see if there was a signature. And that Im going to close mine and the rest of my familys 12 year accounts with them.  <response>: Just call customer support and escalate. Be adamant that you have possession of your card and that you did not visit the store. If you didnt make the purchase guaranteed theyll reverse it. Police report can help but shouldnt be necessary. Just call and escalate. 