Wells Fargo Bank identity theft of my checking and savings account. They took over 6 months to to investigate and then refused to return my funds. t Nationwide

My ATM/Debit card was used as credit card in the stores. They also used it at stores for cash. I turned in the report of theft /fraud with our local police. I also had my social security card stolen as well as a photo id. I went over everything with the local bank branch and they also agreed some one(s) used it. The branch officer pulled my account and found by looking at my purchase history that the areas and  the stores were not any that I shop at .

So more to my story not sure what you are implying. I was also told not to use my card as a debit but as credit.Evidently the person or persons who used my card did just that. Again I followed the directions of the bank and did everything they requested .

If this was indeed done with your "ATM card" as the report states, then it can only be used at ATMs with the PIN. If your ATM card (or debit card) is used with the PIN then you failed to safeguard the PIN and most if not all banks will not find that to be fraud.

It states that you investigated the transactions and came up with evidence. Did the police come up with the same evidence or did you present your evidence to the police? I have a feeling there's more to the story than you posted.