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This summer I was staying in Chicago for an internship as a college student. My first weekend there, I spent the night in a hospital downtown. The security department at the hospital takes all patients' belongings, puts them in a bag, and locks them in a cabinet. My clothes, phone, wallet, and keys were locked away while I was treated.

When I was discharged the next morning, the officers informed me that they gave away my belongings to the wrong patient, who had the same initials. The hospital basically threw me out on the street without my clothes, phone, keys, or wallet, and gave me pants, a shirt, and shoes from the lost and found. They sent me on my way with a number for the claims department to be reimbursed for my belongings. Keep in mind that I am a 21 year old, in a city that I am vastly unfamiliar with.

I walked two miles back to my apartment, got let in by roommates, and immediately canceled all my credit cards using my roommates phones and my laptop. Overnight, more than $2,000 was spent on my debit card, leaving my account almost empty. Additionally, around $1,000 was spent on three credit cards. I reported all the charges as fraudulent, as I did not authorize these. The credit card companies reimbursed me for these charges immediately, no questions asked.

However, my bank (a national bank from NJ), refuses to reimburse my account with the $2000 spent at multiple locations within several hours. The charges show up as "Pinned", which means the patient who received my belongings made the purchases with my pin number, which I don't think is possible. The time stamps for the purchases were while I was in the hospital, there's no possible way I could have made these purchases, which I've told the bank and given documentation for. The only way the suspect (homeless heroin addict) could have possibly accessed my pin would be through my phone, which has a lock on it.

I spoke with the claims department at the hospital, and they also refuse to reimburse me with the $2,000, saying they are only responsible for the personal belongings. I also have yet to receive reimbursement for my belongings from the hospital, as they have to get the money from the security department to pay me back.

As this point I don't know what to do. The bank and hospital both refuse to give me this money bank. I have a police report I submitted to the bank which they don't care about, they say it has to come back from the hospital since they gave away my personal belongings. On the other hand, the investigator from the hospital says they have never heard of a bank refusing to reimburse for a situation like this, and the claims department will not help me out.

I am extremely stressed out as I have no money, and this was not my fault. This was a result of the negligence of the security department at the hospital. At the same time, the bank should be supporting me, and I'm not sure how to proceed. I'm a college student and can't afford a lawyer. I also go back to school next week and have several days at home to make trips to my bank to try to get my money bank. What should I do? How do I convince the bank to give this money bank?



Submitted August 19, 2019 at 03:43PM by bert6294 https://ift.tt/33LK3nl

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