PNC Bank Fraud Chargebacks fake checks Pittsburgh Pennslyvania

This sounds fishy too me. Sounds like your leaving out much information. No stranger can just steal your debit card and guess the pin. What thief you know steals a debit card and DEPOSITS CHECKS into the account? It's pretty obvious that you have been involved with a common scam. A scammer may have came to you with the theory such as they work at a bank and can have thousands given to you. All you need is a bank account for it to be deposited. All you have to do is give them a cut of the money. Long story short, You agreed giving the scammer your information. Including your debit card, PIN, and any additional information that's asked. Little did you know. The scammer does not work for a bank. They have stolen or fake checks and use you to deposit them into your bank account. They withdraw the funds and you usually don't hear from them again. They keep possesion of your debit card and now have free money from them stolen checks. Ut's your account in your name so you are held liable when the bank catches on. So now you notice that they are not coming back to you with any money, You now try to report things two days later. Of course the bank didn't side with you because you gave them your pin. So they see it as authorized. Typical scam of those trying to beat the system and it backfires. If someone comes to you saying they work at a bank or for a company and they can give you thousands. Obviously, It would have been illegal anyway. So sounds like you got caught with a scam. Your story now makes sense with these proper details. 

 No bank will cover any "disputed" transactions where the card holder was negligent in any way of protecting their card, PIN, or continued mis-use of the card.

In your case you have now admited that your PIN was your birthdate, and that is the number one thing that banks will tell you NOT to use.   So yes for your card to basically vanish from your wallet for a couple of days before you noticed could be considered negligent and possibly taken by someone you know.  Because it would be basically pretty much impossible for a total stranger to be able to get into your wallet, take your debit card, put your wallet back, AND guess your PIN number knowing you would not figure out it was missing for a few days.

With the fact that by default when your PIN is used it is assumed you must have been negligent, and the fact that the circumstances seem a bit odd.  They will generally take the you were negligent approach.

So the question you need to ask yourself is who do you know in that 2 day period(well actually from the last time you knew you had it until the first invalid transaction) who would have access to your card?  Who would know that your PIN was your birthdate?   Perhaps you should give the police every one of their names and let them do the investigation...just realizing that if it was someone you know they are in some serious trouble.

FYI..if you got your account at 17, which even though I am wondering how since you were not 18, 2-3 years later you are not "new" at this "banking thing".   At the very least I hope this has taught you to protect your financial and any personal information a bit better....where the first thing you are going to do is change your PIN to a random 4 digit number..so please Don't use 0000 or 9999 because it is easy to remember. 

No i didnt write it on my card. When i first opened a bank acct. at 17 the rep told me to pick 4 numbers that i could remember. i picked my birthday month/year.. i thought that was a pretty good number.. anyway . my mother and father are telling me it must be someone that i know. but i serioulsy cant think of someone who would do that to me. but. when i said stole random checks. When i disputed the charges. the bank mailed me copies of the checks deposited into the ATM.. some were personal and some were it looked to be buisness. and ive never heard of the people on the checks and the checks they used were out of sequence. they made the check out me and signed my name to the back. So in essence it looks as if i stole someones checks and wrote it out to myself and deposited it into the atm.. 

"Well whoever it was figured out my pin"

You wrote your PIN on the debit card, right?  Robert is right, NOBODY could have just figured it out.  The ATM would lock them out after several tries and likely grab the card.  Looks like you shot yourself in the foot.

BTW, how did they "steal random checks"?

Most if not all banks will hold the card holder liable if the correct Pin number was used.  It should be started in your terms of service.

Not sure how someone 'figures out" a Pin number without the holder being negigent.