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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?

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Boy,that sounds really tough on both of you.You should keep working on the bank to help getting this resolved. The key wood is Keep. If you find that it is your brother, Arrest him. The court will make him pay the money back or he will be put in jail.

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If I could, I would but it's up to my mother. I have a feeling she won't.
I think I'll have to keep on her about getting the information from the bank. Any clue on what's a reasonable about of time to wait for those ATM photos?
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change the p.i.n. #.....now

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They canceled the card and issued her a new one.
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You and your mother need to change the account number tomorrow and don't tell ANYONE. Then consider having your name along with your mothers name on her account. Then order new cards for you AND her from this account because I don't think you can change the pin number without new cards.
Consider for the next month or two giving your mom cash weekly from her
account to cover her spending. Have her get money orders from the bank to
pay her bills. All of this has to be done to flush your brother out and prove it is
him because he will get really angry when he can't get to that money. I have experienced this when my son got separated from his wife and this was the advice that the bank gave us when we both went there and sat down with them and told them what was going on. She robbed him blind. Call them everyday for those pictures!!!!!

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Make sure your mom doesn't say a THING about you being involved and if he asks her about her bank, your mom is to say she doesn't know what's going on. She MUST stick to this. Then she must call you when he starts demanding to know what's going on and you can prosecute if you want but that usually just causes more money problems with the whole family somehow even if you want him to go to jail. She must be prepared to kick him out when he starts having a fit about her money and getting to it.
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I have heard you have to press charges to get your money back. Sincerity sounds good, I'm just posting what I've read elsewhere:

http://www.creditcards.com/credit-card-news/ossenfort-identity-thief-in-the-family-1292.php

Good luck with whatever you decide.

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