Hi Sean, I am writing to you in hope that you can bring some awareness to consumers that had their debit card stolen. My wallet and blackberry was stolen on July 1st, and the person who stole my wallet went shopping with my debit cards. I am not sure how he figured out my PIN. He took out/spent about 1700$ from both of my debit cards (1 from TD and 1 from RBC). The money was part of the down payment for my first home. I did some investigation myself and went to the store he went shopping and the store was able to pull up footage of the person. I have contacted the police with this information but nothing has been done. ( they told me that they are too busy to deal with this kind of things) Long story short, I have filled a police report and I have contacted my banks the same day. Most of people would think that under this kind of situation, the bank will refund the money, however I have learned that is not the case. RBC has closed the investigation and denied a refund because they claimed that how would the person find out my PIN number. I have explained to them that I have no idea but they are basically saying that it's my own fault to have 1) an easy pin or 2) I am part of this claim.. I am still waiting to hear back from TD. I hope that you will be able to bring this story forward so that people will know that we are not always protected and the banks are just as bad as insurance company. Thank you