I was completely naive about using my debit card too. My husband told me the horror stories about what could happen and that the bank didn't have to return the money because your debit card isn't protected like a credit card is. I never use my check card for online purchases anymore and only use it for things like gas and groceries where I have to key in my pin number.

I'm so sorry that this has happened to you. I hope it gets resolved quickly and profitably.
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Vicki
"What you believe yourself to be, you are."
Claude M. Bristol
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