Bank lost my money

[Timabee]

OP - Am I right in understanding that the theft occurred through an apparently counterfeit debit card (original issued by Hua Nan bank in Taiwan) and used in the U.S. to withdraw a significant amount of money from your account? Do you know if the ATM or ATMs used for the theft in U.S. were associated with a U.S. bank? If so, that may be an avenue to pursue - if you can identify the bank you may be able to contact them OR their regulator to pursue your money. There is no guarantee that the ATMs in question are associated with a bank at all as there are numerous non-affiliated ATM networks. However, on the off-chance that the theives used an affiliated ATM it might be worth a shot. If so, its important to know which regulatory authority the bank operates under. It may be state chartered (there are two types of these - member and non-member), or nationally chartered (regulated by the OCC). Not a guarantee but I suspect you are looking for any and all options.

Good luck in tracking this down.

[Icon]

...if the bank goes bankrupt, our savings are insured, not gone,...

Details please? I'm with MEGA, too. Do you get special treatment simply because of your supernatural powers & the fact that people recognise and always look up to you??

The only supernatural power I use is my ability to confuse the tellers with my clever use of decolettage.
Seriously, all savings from all banks are insured against bankrupcy by the Gov't. No worries on that regard.

[trubadour]

Décolletage?

[Icon]

Décolletage?

Distract and confuse, divide and conquer. Best wardrobe for when you need to ask for help.

[trubadour]

Oh I wanna be your bank teller..

[Icon]

Oh I wanna be your bank teller..

There is this tall, shy, Spanish speaking teller at Mega... pity he's taken, but at least I enjoy going to the bank.

[Homer J]

@ Timabee. Hua Nan Bank's defence is that there is no cooperation between taiwan and the usa. They say they sent many e-mails to some bank in the US, but got no reply. I told them to pick up a phone and call the bank, they had no response to this. So I can't really find out which bank it is, but I'll keep trying. And yes, according to Hua Nan bank it must have been a cloned debit card, even though I hardly ever use my debit card. I used it once in Thailand, and only three months later the money started disappearing. Yesterday I went to the Consumer's Foundation in Fuxing South road, the lawyer there said this is ridiculous, Hua Nan bank should give the money back. He will call them and ask them what's going on. So now I'm waiting for their reply. My one saving grace is that the same day they used my card in the US, that day I also used my card in Taiwan. So this is proof that I didn't mail my card to a buddy in the US to try and cheat the bank. My advice to everyone is this: Keep a close eye on your account, this can happen to anyone. I have always been super careful, my wallet is always on me, I check to see if my card is there every time I open my wallet. I have never written my pin code down. And also, find out which banks are good, there are many dodgy banks here.

[Mick]

@ Timabee. Hua Nan Bank's defence is that there is no cooperation between taiwan and the usa. They say they sent many e-mails to some bank in the US, but got no reply. I told them to pick up a phone and call the bank, they had no response to this. So I can't really find out which bank it is, but I'll keep trying.

Hua Nan want you to take their word for it that they have been trying to contact this bank but are getting no response? I would absolutely demand they supply me the banks details so I could contact them immediately. I would email them along with all the details Hua Nan has provided you as well as calling them, as well as contacting the local authorities in the area related to where the crime took place.

Don't you get a statement from the bank telling you where the money was withdrawn?

[Nuit]

They say they sent many e-mails to some bank in the US, but got no reply.

Yeah, I'm reading this as "hopefully if we say this, he'll go away".

They should either pony up the cash that you lost (and then they can do whatever they like in their own investigation), or be fully co-operating with you. This is a case of fraud. That means they have to DO something. As Mick says, pin them down, nail their sorry asses to the wall, and insist on getting the information[ in writing] on where the funds were withdrawn from: which bank, which ATM. All that information is readily available to them. Ask for details of the e-mails they have sent. Who they were sent to.

It sounds like the Bank from Hell to me, and you have my commiserations.

[Timabee]

Nuit and Mick are dead-on. The bank knows which ATMs were used - they have to know in order to sort out which bank(s) are entitled to potential fees associated with use of the ATM. This information MIGHT be on your statement but even if it is it may only be a summary of day, time-of-day, vague description of location. But even that would provide some ammunition to use in your fight with Hua Nan. As noted by others - force the issue in writing. Easy to say but a necessary step in your fight.

Regarding the apparent delay from your trip to Thailand and the eventual theft of funds. It seems that the thieves in Thailand may not be the same as those who took your money. Likely that the thieves in Thailand sold your information to a third-party who then either used it to access your account or sold to yet another.etc. etc.