Complaint sub-issue: Card was charged for something you did not purchase with the card

ATTN : Direct Express Fraud Services Department XXXX XXXX XXXX XXXX XXXX, TX  XXXX -A criminal report was filed immediately after my rental car and bank card were stolen which can be found via the XXXX PD under Case # XXXX. The detective located video footage of the suspect using my card at an ATM and criminal charges are pending. Detective XXXX with the XXXX TN Police has made a statement via email ( see attached documents ) which has concluded that fraud did occur, the suspect was identified via video footage, and criminal charges are pending. - I flew to XXXX from California on XX/XX/XXXX with the goal of taking a fellow XXXX veteran and suspect into the XXXX XXXX hospital for XXXX  XXXX, and to encourage him to get a much needed XXXX XXXX XXXX  which had been XXXX  from XXXX XXXX XXXX XXXX. I was made aware of his dire condition via is Ex-wife & school teacher who lives in XXXX, who shares similar concern as myself for the suspect. 

The suspect and I were XXXX to XXXX in XXXX as XXXX XXXX on an XXXX XXXX with the XXXX XXXX XXXX XXXX, which the suspect suffers from a XXXX XXXX  of XXXX which was diagnosed by the VA. He is XXXX & has no car or belongings due to his XXXX XXXX XXXX & XXXX. I had told the suspect I was coming to see him, and upon my arrival invited XXXX to my Hotel, the XXXX XXXXXXXX XXXX XXXX on XXXX XXXX on Tuesday night. He obliged and stayed for approximately 2 days. 

On the night of Thursday  XX/XX/XXXX, I took a brief shower only to realize the suspect had left the room & did not return. It was not until the following morning when i had to leave the hotel for the airport that i realized my rental car was stolen, along with my ATM card which I had only used once to pay for the hotel as I did not leave the room the entire stay. Assuming the worst, I attempted to contact the suspect via his cellular phone number XXXX to no avail, and immediately reported the card as stolen. I remain baffled as to how XXXX obtained my pin number to make the ATM withdraws, although my only assumption is he may have been aware of, or found a financial notebook I had left in the rental car, which may have possibly contained the pin number although Iam not sure. 

The fraudulent withdraws and purchases are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total including ATM fee's= {$2100.00} The card issuing bank dispute resolution department has claimed they could not determine that fraud took place due to " conflicting information ''. I proceeded to ask them what the conflicting information was & they were unable to provide details regarding this although they did provide some paperwork which was useless in determining why they made their claim. The bank also states Iam disputing all transactions from XX/XX/XXXX to XX/XX/XXXXwhich is entirely inaccurate as can be seen by the documentation i provided them. The bank did an extremely poor job in looking over the details of this dispute and didnt even take the time to contact the detective investigating the criminal case. This is a clear cut case of fraud to no fault of my own as determined by Detective XXXX investigating this case.