I strongly agree with that, no longer using a debit card unless its at a actual store using a pin. I wouldn't consider it a blunt response. For the people defending Wells Fargo, they have horrible fraud monitoring and this is the first time i had to reach out to them rather than them notifying me of suspicious activity. There are scandals they have been involved in, which some i know has been personally involved. They are going to send me the paperwork that led them to their decision in 30 days. They initially said they didnt have any until i asked if they actually did a investigation as required by law. After a long hold they miraculously have something they are going to send me something after 30 days