certain banks did try for a while after the chip and pin rollout to try to pass liability onto the consumer with statements like: "our systems are foolproof, a

certain banks did try for a while after the chip and pin rollout to try to pass liability onto the consumer with statements like: "our systems are foolproof, and as you can only withdraw money with your PIN, you must have given your PIN out, so it's your problem" this was mostly ineffective against people that knew the law http://www.phantomwithdrawals.com/ http://www.phantomwithdrawals.com/