What should I do if my bank says it was authorized?

Ask how they ruled out skimming — not just whether a PIN was used.

👉 Read the full explanation of how ATM skimming works here:
https://www.cardozalawcorp.com/library/atm-skimming-2-0.cfm

U.S. Marine & Consumer Financial Protection Attorney helping victims of ID theft and Credit Reporting errors.

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