<prompt> Human: Today I had my bank account drained of nearly 1,000. I caught it within 30 minutes of it happening and called the bank and currently there is an investigation. The transactions happened about 1 12 hours from where I live and I was at work during this ..could I use this as proof that I didnt make the fraudulent withdrawals?They spent 700 on groceries and went to two ATMS and withdrew 200 then another 60 at a different ATM. The bank finally realized what was going on and I got a fraud alert and locked the card.I keep seeing horror stories of banks denying claims due to how you need pins to do a ATM withdrawal and why would these people have your pin and card - so they conclude it was you. Thing is, I had my physical card on me. It must have been skimmed Im guessing.Has anyone had any experience with DEBIT card fraud and offer me an reassurance that Im not going to be royally screwed? I bank with Huntington if it makes any difference.Lesson learned: use credit cards for daily purchases so your not stuck with 2 to live off of.  <response>: Who do you bank with? This has happened 3 or 4 times to me over the last 10 years with Chase and they are always quick to investigate and then return funds to my account. Sadly, its easy for scammers to skim cards these days. If you bank with a reputable institution you should be fine. 