Get a better stamp, then go back to the bank.

DRB1 - where is the bank located ? We had 30k taken from our Visa in Melbourne. Took a while but the bank reimbursed the lot after we initiated a dispute procedure.- we called police but there was little they could/would do. Sounds like this incident is a Swiss bank ??

yes, it is a swiss bank. We are trying to get a better stamp from the police, but yesterday they refused.

It might be worth consulting a lawyer at one of the permanence juridique for chf 60 francs. Here is one of the offices located around town:

http://www.permanence-juridique.com/

There is also one on Rue Verdaine in the Old Town although I forget the exact address.

Hi,

So had the same situation in Germany with a German card, and a friend had also the issue in Slovakia with an Irish card. Both resolutions were the same, albeit the german one quicker.

1: Realized we had not spent $600 in radio shack nyc.

2: Rang the emergency number on card, Bank told us they need official police report

3: Took bank statement, card, to Police station.

4: They filled out a statement, and provided a receipt of said statement, with the police station stamp and initials of the police officer.

5: returned to bank, provided the receipt to them with stamp, they did the rest.

6: Old card was destroyed and new one provided by the end of that week.

7: 2 months later, money was returned to the account

This is, I believe the procedure they are supposed to adhere to. The Police have to give you the right info, as after all this is a crime. My friend did have a little resistance with her bank, but after a call to Visa, she got some service.

Best of Luck with it!

I had a similar thing happen: Card was copied while on a trip to Asia, a hotel transaction in Frankfurt appeared on my card statement. I called up the card company saying I wasn't in Frankfurt but in another city (might have been on a business trip), faxed the proof (boarding pass, stamp in passport) and they cancelled the transaction without further questions within a few days.

In your case, you obviously were not in Thailand at the time of the fraudulent transactions and still had the card in your possession. This should be sufficient for the bank. So along with the police report which you now have (with or without stamp), provide the bank with some proof that you were not in Thailand (credit card receipts of transactions made in Switzerland on the days or close to the days of the fraudulent transactions, proving that you were not in Thailand and that it wasn't you, passport with no Thai stamps for these dates, presence at work...).

Is your card issued by the bank directly (like UBS, Credit Suisse, etc) or is it issued by a Credit Card company like Swisscard AG (frequent flyer credit card, supermarket card, etc) not related directly to your bank? The latter are easier to deal with, a bank will try harder not to reimburse you (police report stamp issue) but they should. 

Be firm, overload them with proof that you were not in Thailand, ask them if other cards have been copied (I'm sure you were not the only one in this case) which would be another proof of wrong doing, ask for or dig-out the General Conditions of the bank regarding fraudulent transactions and how they should deal with them. It should be explained clearely what are the duties of the bank in this case. Do not accept delayed reimbursement because of xyz excuse from the bank (they HAVE money and must pay you first and then find a way to get it back, you should not suffer from this process).

GOOD LUCK and tell us if/when all this is sorted.

I'm sooo fed up with this skimming, there have been so many stories about this lately!! Is there anything we can do to get better protection? 

I am not sure why this is such a problem with the bank - is it because it is a 'bankcard' as opposed to a Visa or Mastercard? After we had our episode in Melbourne we closed all credit cards in Australia and because we need a credit card we arranged for same through our bank here in Switzerland (UBS). Given what had happened to us previously we made absolutely sure that the bank would not hold us accountable in cases of fraud.Indeed it is in the conditions of the contract that they will do exactly that so as I said I am not sure why the hassle in this case.

no news yet... my husband has brought all the papers to the bank on Friday, including a copy of their own general conditions. Should they not phone us today, we certainly will tomorrow!

Try your best to communicate by registered mail or get written acknowledgement that the bank has received all documents handed in -- having them time stamp a copy of all documents submitted.

Thanks for posting this thread as I am certain other people can learn from your unfortunate experience.

Sounds like you may have missed a key step. Check that you provided proof that on days your card was used fraudulently you were in fact ...in Geneva or in Vaud... and could not be physically in Thailand. These proofs must be shown to the police when requesting the right (or) missing stamp be added to the complaint form. As your being Geneva resident at this time and being in Switzerland during the critical days the stolen act occured the police will have no choice but acknowledge you are a victim. The bank and later on Swiss and Thaï police can track and verify that the money was debited from a skimmed card by a private individual in Thaïland and not electronically debited in Thaïland from Geneva...Guess it then makes a progressive winning case for you.

With all our Glocals wishes for your patience with persuasive attitude.