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Same IP address? What's going on?

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After opening a checking account online I was told it would take up to 10 business days to receive my new debit card. Still waiting to receive my new debit card, I received a voicemail from the fraud Department at my bank asking me to call them to verify charges recently made on my account. I called them back right away to inquire about these charges, stating there must be some mistake since I'm still waiting to receive my card in the mail. They informed me that my card was recently activated already and various charges have been made to my account, now leaving it in the negative. After having a emotional breakdown upon receiving the news of my new account being completely wiped out and now in the negative, she tells me that she will cancel that card and issue a new one (arriving in 10 business days) and that I can go online and dispute all the transactions and they will issue a provisional credit to my account while the dispute is being investigated. She said if I'm approved for the provisional credit, it will be issued on the 20th business day. This time I decided to make sure I was outside when my mailman so I could get my mail handed straight from him, and on the 10th business day exactly I received the new card she sent out to me. 10 businesd days later, on the 20th business day, I called to check the status of my claim because my account was still in the negative and I did not see any provisional credit issued. She then informed me that I was denied provisional credit because after investigating it was found that the first card issued was activated using the same IP address as the second card. That's the only explanation that I received. I told them that I don't understand why that would be since I was not the one to activate the first card. Now I don't know a lot about how IP addresses work but hopefully someone can explain why something like this would or could happen? I informed them that I will be appealing their decision to deny credit of unauthorized charges, and since I don't know how this happened it's going to be harder for me to explain my case. Can anyone help me figure out what is going on and how this could have happened? FYI, my internet service provider is Xfinity Comcast and I use my own personal modem/router so I didn't have to rent any equipment from them.
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Sorry to hear of the problems you are experiencing.
We are not able to comment specifically on criminal aspects of fraud so it would be better to take up the issues with your bankers who should have long experience of dealing with fraud and folks who steal credit/debit cards.

You will need some information to help you take it up with them so take a look at the article linked to below, as your bankers may be acting ingenuously when using the IP argument to deny your case.

Hope this helps
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I would also check my pc for malware maybe you have something nasty on your pc that has stolen your details allowing attackers to steal again and again.

1st thing I would do before the malware scan though is take a complete copy of the drive to use as evidence before I check for malware just encase you do find something you need to then note down and investigate anything you do find. Make sure the place you copy the drive to has nothing important on it empty would be best and not connected to anything.

After your scan if you do find something change all your passwords but make sure your 100% clean and your e-mail change the password and make sure emails are not being forwarded that's an old trick so even if you do change your password the attacker gets all your emails sent strait to him/her/them.

Make sure once clean to update everything to. I'm sure they'd take a look at your machine here for you in regards to malware.

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