What did the battery say to the bag of chips? I'm eveready if your frito-lay

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

Only debit card

I got to see if they will, not reverse the credit until i appeal. The fact that they claimed they contacted the merchant makes me wonder if they followed federal regulations for the supposed investigation. First i got to request the decision making documents. Short story of what happened, came across website through a google search. I bought an item for 6 bucks. The payment timed out. I checked my e-mail and got no receipt or order confirmation. I checked my bank account and i had the $2532 charge. I reported it right away. The charge was from ACBA link pay, a bank in Armenia. They wired money using my debit card. It sounds like an international scam.

Very good point, im thinking the second scenario is whats going on here. Based on the determination letter, they mentioned it was based on info they got from me and the merchant that led them to their decision. I find that odd because i had no ability to contact the merchant, even from a different e-mail. I had reported the fraudulent website to google and its still up. I need to find a better outlet to report the website to give me some leverage in this scenario. Thanks for the good advice rather than taking time to point out my shortcomings that led me to this predicament.

Good advice, im just very frustrated and got to make sure to calm down before i make a decision. I dont feel like banking with them after this is resolved in some form. Only problem is i didnt file a police report. I know there is nothing they could do. I didnt expect it to turn out like this