On XXXX/XXXX/16 my bag was stolen containing all of my bank cards as well as my ID. I filed a police report with the XXXX XXXX police Dept. in XXXX. On XXXX/XXXX/16 in filed a claim with M and T bank making them aware of a number of fraudulent charges which had placed my account into a negative balance ( XXXX ). After several days I inquired with M and T Banks Dispute Claims Dept. and they informed me that the claims were denied. I asked the phone representative why they were denying the claim and they said I needed to write, sign and submit a statement saying that I did not make nor was I aware of the charges stated in the complaint. I immediately yet still the claim is being denied. In the interim my direct deposit from my employer went into the account which was immediately consumed by the existing negative balance. M and T did initially issue a credit for XXXX of credit card transactions however the bulk of the charges were ATM cash withdrawals. My PIN was not on the card however all my cards use the same PIN. Any review of the ATM cameras associated with these transactions should easily show that I did not make nor was I aware of these withdrawals. Your help in resolving this matter is greatly appreciated.
Case ID XXXX and continuation of the Case ID XXXX