<prompt> Human: Basically Im a college student who just had a 10 day trip in Rio. Never used the ATMS. Never lost my card and rarely carried it. I dont even have a pin number set up on it. I have two charges at a store there I did not go to in the amounts of 400 and 600. This put my account negative. I immediately called my bank the next morning but I dont know how helpful they will be. They said it can take up to 45 days but I will get a provision credit in 10 business days if they need more time. My worry is because its a large amount, a small bank, the transactions were done in Rio what if they just half ass the investigation? Im willing to testify under oath that its impossible my debit card was used for those transactions. For the record its First Convenience Bank and this has never happened to me on any level before.  <response>: First convenience is a horrible bank. If this is resolved, switch to another bank immediately. 