Consumer complaint received 2018-12-12
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had fraud committed on my checking account back in the month of XXXX from the XXXX to the XXXX were an excess of XXXX dollars was fraudulently used and withdrawn from my checking account at People United Bank. As shown in the documents attached purchases on XX/XX/11 of XXXX dollars twice at XXXX XXXX, then XXXX dollar purchase at XXXX followed by another XXXX purchase and XXXX purchase at XXXX. Then on the XXXX of XXXX a checking withdrawal of XXXX dollars followed by two XXXX dollars transactions at XXXX 's and XXXX XXXX XXXX. The bank never alerted me of these suspicious transactions and I come to see the transactions a couple weeks later alerted by my son because his account was affected too. I called the bank and alerted them about the transactions, they said a claim had been made and to go into a local branch and close the account with fraud and open a new one. On XX/XX/XXXX I went to the one closest to my Job and was helped by a banker named XXXX where she told me a claim had been filed and I would get my money back in 90 days. As the 90 days goes by I never received an affidavit to sign and when I called they said there still working on it until one day I went to a branch and they called the fraud department and they stated I committed the transactions at these places and I was fraud-ed myself. and they not a fault, then they said I clicked on an email all without providing any proof. Then they said they had no claim on file. I am a XXXX XXXX XXXX mother of XXXX who works full time in the public school system it would be pretty hard to fool me to spend XXXX of hard earned money. I was told by an employee working there they never followed proper procedure at the branch I went too for they were supposed to inform me to go file a police report to which I had no knowledge of. I go with my son to go file a police report and my son gets in touch with one of the managers in charge of the region and is told no claim was filed and we have to file another claim. When asked how no claim was filed he couldn't give a valid explanation especially when an employee representing the bank told me twice a claim was filed. I go to branch with my son to file another claim and I ask the branch manager whose also in charge of loss prevention if fraudsters can steal your pin? He replies no that impossible when I know by doing a simple search on XXXX  they can get your pin from the skimmers and data breaches. I filed another this time with an affidavit and have called the bank and have not heard anything back it has been over 5 months now and the bank has grossly been in violation of Regulation E I have never received any provisional credit and the time period allocated has expired for them to investigate this fraud. I feel this bank doesn't want to admit there at fault and is trying to prove my negligent without any proof and the fact there employees messed up there trying to cover up there own mess at expense to the consumer. I have been more than patient during this ordeal and would like to have this resolved.

Company response to consumer: Closed with explanation