conversation: User (buoyancy_medium): "Hi all,\n\nRecently I went on a trip to Europe and Africa and used a VISA debit card to withdraw money from ATM's in the various countries I visited. \n\nAfter departing Europe I transferred my remaining Euro's into Ugandan shillings, as I was to spend 5 weeks in Uganda. The money I had transferred lasted almost the length of my stay, so I had no need to withdraw money or use my card until the last week. I went to an ATM and tried to access my money, but found I couldn't withdraw anything. A quick balance inquiry showed that my account was overdrawn and three cash withdrawals had been made in Thailand, a country I have never stepped foot in.\n\nI still had a small amount of cash on me so had to make that last a few days until I returned home to Australia to sort out the issue with my bank.\n\nUpon returning home they informed me that I'd have to fill out a form to dispute the transactions with Visa and today I received news that there is nothing that can be done, as " these are card present and PIN verified ATM transactions. [They] do not have any dispute rights as per Visa International Operating Regulations".   \n\nThe email then explained that my card had been unsecured for over a year and that I had declined to cancel my card in 2014 as per their recommendation. As such they won't be taking any further action.\n\nNow, as far as I can recall, I received a call from them in August last year regarding a payment I had made online from an overseas store. I confirmed with them that I had in fact made that purchase and that it wasn't fraudulent and I needed it to go through as I wanted the products I was purchasing. I think it is at this point that they have deemed my card unsecure, and because I told them I wanted the transaction to go through, I have lost all rights to claim back fraudulent charges.\n\nI have called the bank and asked for clarification on the issue and they said I agreed that my card was unsecured and that I had accepted that I had no recourse for future fraudulent transactions since august 2014.\n\nThey mentioned that one of my transactions had been 'intercepted' (I believe this was the one I confirmed with them as legitimate, but they are unable to tell me which one it was) and that at that point it was possible someone accessed my card details.\n\nNow, they are saying the withdrawals in thailand were card present and PIN approved. What I don't understand is, even if my card details were accessed by someone intercepting my online transaction, how could they get my Pin number? \n\nI am not able to find any records in my statements of my card being placed on hold (I think the lady on the phone mentioned 'warn hold'?), nor any notifications reminding me that my card was no longer secure. I am disappointed in the bank for this, I would have thought they would remind their customers if their cards were unsecured, rather than leave it that way for 14 months.\n\nIs there any course of action I can take with this? I can prove I was not in Thailand when the transactions occurred (and that I've never been to Thailand before), but it seems I don't have any recourse with VISA nor the bank at the moment.\n\nAny help is much appreciated. It's not a lot of money as I keep most of my money in a linked savings account, but it's enough to warrant chasing after it.\n    "
  Self: "The ATM you used (or a terminal at a merchant if you used debit transactions)  most likely had a skimming device installed.  \n\nJust keep escalating the issue with your bank.  File a police report too.  When you get your money back find a new bank."
  shaolinpunks (shaolinpunks): "When OP files a police report he should bring his Passport so the cops can put on the report that OP was never in the countries with the fraudulent charges."
  jacalata (jacalata): "You can have two valid passports at once (even two American ones if you travel enough), or the countries might not stamp the passport - I don't think the cops would have any business pretending to know from looking at his passport whether he'd been there."
  randomaccount32332 (randomaccount32332): "I have two passports, EU and U.S. When I'm leaving the U.S. I show my US one and show the EU one when I arrive in Europe so they don't stamp/mark either one. I'm basically James Bond, I know."
  -SnowmanMafia- (-SnowmanMafia-): "Guessing you have dual citizenship?"
  randomaccount32332 (randomaccount32332): "Yeah that's correct. And to the other poster I just say EU because I don't wanna give away too much personal info, but I have citizenship of an EU country and the U.S."
  -SnowmanMafia- (-SnowmanMafia-): "Neat. Can't imagine what your taxes look like lol. That would scare me. "
  jacalata (jacalata): "Only the US taxes citizens who don't live there. I have multiple passports and it doesn't affect my taxes at all.\n\nEdit: for completeness, I actually think Eritrea does as well. "
  -SnowmanMafia- (-SnowmanMafia-): "Huh, I figured the EU would still want their greedy share. Good for them. Stupid US.."
  eta_carinae_311 (eta_carinae_311): "I have dual citizenship too. I only pay US taxes. I can't vote in the other country I have citizenship in without having a residence/ paying taxes there. So mostly I just have a passport for the other country and no visa requirements in the EU."
  