Santander Bank US Bank Account Or Service Complaint

Santander Bank US Bank account or service department,

Checking account Using a debit or ATM card District of Columbia

My debit card was lost and somehow someone was able to get my PIN and use the card to make bogus deposits and then shortly after withdraw the funds. I told the bank when I logged in to see my balance and saw this huge overdraft of over $6000.00. I explained that I did n't know the card was gone and that I had nothing to do with what happened. All of the withdrawals took place in Pennsylvania and I live in Virginia and work in -. The bank claimed they did an investigation which I doubt and they expect me to pay back something I never got. I filed a police report with - County 's financial crimes department but because the actual crime took place in Pennsylvania, they could n't do anything. I looked up the police department associated with the area the bank was in where all of this transpired and they claimed that the State police had jurisdiction. I called the State police and they claimed they did not. I got nowhere over the phone with that and because I was working could not get up there to file a police report. The bank in question is Santander Bank. I opened the account online. I filed the waiver they claimed I needed to and they still claim that because I could n't account for when or how my card and PIN were compromised, I was responsible. I do n't have that kind of money. What can I do? They call over and over. They leave messages at my work and that incident happened a little under a year ago. This bank is horrible. Why would any bank with no history of such deposits and withdrawals allow such to happen?