They can.
Real people develop spending patterns. You probably shop at many of the same places, use certain ATMs, make purchases within a relatively normal range, and generally use your bank account in ways that fit your actual life.
Then fraud happens and suddenly the account behaves very differently.
Maybe there are dozens of transactions within hours. Maybe money is being spent somewhere you have never been. Maybe someone is making purchases for things you never buy. Maybe the ATM activity looks completely different from your usual withdrawals.
Those differences can be important because the question should not simply be whether the bank’s computer successfully processed the transactions. The bigger question is whether the activity actually makes sense for you.
For examples of just how absurd these transaction patterns can become, see my article “Why Can’t My Bank Tell These Charges Aren’t Mine?” here:
https://www.cardozalawcorp.com/blog/why-can-t-my-bank-tell-these-charges-aren-t-mine-.cfm
If your bank ignored a spending pattern that plainly did not look like yours, contact us. There is no charge to find out whether we may be able to help.
