1987 Unauthorized transactions and Bank Fraud Carrollton Georgia

On April 19th, 2016 I went into the store at about 1:30 a.m. to make a purchase using my debit card and it declined. I went to my car to pull up my account and noticed that there were transactions on there that I did not make. The next morning I called my bank to inform them that those transactions were not mine. The customer service rep stated that they tried to call me in reference to those transactions and that they put a hold on the card and that is why it declined. Now, I was told that they would do an investigation that may take up to 10 business days and my money would be credited back. I called just to check on the results and that is when they stated that no error occurred and closed the case.

I requested the documentations they used to make this determination and they mailed me a copy of my transaction history. I thought they would send documentation about whether or not they contacted the merchant, ran any cameras at merchant stores, and any other proof that it was me. They failed to provide that information. I can't contact them directly I have to keep speaking with customer service reps who knows nothing. They are basically saying I made those transactions with no proof. I have been with this bank since 2013 and I haven't had any issues until now.

They told me I needed a police report to reopen the case, I got the police report but the police stated it was nothing they could do because I didn't report it the day I found out and that is because I thought the bank would do a thorough investigation and find out where my money went. They failed to do that.

Also I want to mention that I still have the card, the card wasn't stolen my account information was stolen. I don't know if I'm a victim of identity theft, but this Bancorp Bank has poor customer service skills and their dispute department isn't handling this case properly. I will fax all the documentation that I have used to resolve this issue.