U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Credit card protection / Debt protection California

My wife and I have a checking account at US Bank in - California. On -/-/2016 - separate identical amount fraudulent debit card transactions occurred at local grocery stores totaling over $7000.00. We have receipts showing we were out of town at the time. US Bank first informed us that we were not responsible for the charges once we filled out and retuned an affidavit. 10 days after completing the form we contacted US Bank fraud division and they said they denied our claim because a PIN number was used in the fraud. We informed them that the PIN number was not given out to anyone or is even written down. Only my wife has a debit card for the account and it was with us when we were out of town. US Bank has said they would have the investigator call us but no one has even after we called them four times. We contacted the local branch manager who said he would have the investigator call us back but still no response. We just got a denial letter today ( 30 days after fraud ) stating we were denied the fraud claim, and responsible for the entire $7000.00 because we were part of the transactions and/or benefitted from it. No explanation or evidence was provided. We are homeowners with excellent credit and have been customers of the bank for 15 years without any previous fraud claims or even overdrafts. Now we are going to have trouble paying our mortgage and the bank wo n't even talk to us. They allowed these thefts to occur and now expect us to pay for it. This is one of the most upsetting and financially devastating things that my wife and I have ever been through. We are in the process of filing a police report but that wo n't help us get out money back.