Will the bank credit back ATM withdrawals that were not authorized?
My mother was very concerned that she did not receive her monthly survivors benefit payment. She has been receiving a check each month since the death of my father and without it, she is unable to pay all her bills. I checked her online account and I saw that there were numerous cash withdrawals each month; over $600 within the past two month. She said she never takes cash out. The withdrawals are happening right before or after an ATM debit purchase. These purchases were made right around her home, mostly at the corner gas station. I'm pretty sure it's my older brother, who lives with her, who's taking the money. My mother went to the bank and reported it. They said they would get the ATM pictures and if its a stranger using her card, they would refund the monies. However, if it turns out to be my brother they could not refund it. Is this legal? My mother never gave my brother permission to use the card to take cash out. If it does turn out to be my brother, does my mother have to file a report with the police in order to get a refund? Has anyone else been through this? It's been almost a week and the bank has not called yet to have my mother come in and look at the pictures. Any clue on how long this normally takes? It makes me sick to my stomach that my brother, who has no job, no car, no nothing, is possibly taking advantage of our mother like this. I'm also angry that my savings keeps getting drained because I'm constantly giving my mother money just to help her stay afloat. He doesn't even clean or cook even though my mother works full time and pays for everything. She always borrows money from me for groceries or gas each month. I thought it was because she just didn't make enough, but turns out, she makes plenty. She thought she was just over spending on the little things without realizing it. Of course my brother denies everything and they are both acting like this whole thing is not happening.
I don't know what to do. Anyone have any experience with this sort of thing? Any advice?