We were notified by a family member in late November that one of our customers was in jail (since August). Per the family member who was not on the account, someone was using the customer's debit card. The bank did not release any information as the family member was not on the account, but given the nature of the charges, the card was restricted from allowing further transactions.
This week, the customer from jail sent a copy of his statements for Sept-Nov with a note that he had been in jail since August 15. Per his note, a woman was supposed to be watching over his stuff, but was "instead seeing how much she could steal". He goes charge by charge to indicate authorized or not authorized. In September the only authorized charges are the inmatessales.com and jailfunds commissary. At some point she was supposed to turn over his wallet and keys to the customer's brother, but the customer states the woman wrote down his card number before she did so and was using the card online. Based on ATM footage the brother does have the card in his possession by October 6.
I am trying to determine what the customer authorized. I believe that since he left her in possession of the card to "watch over things" that all the charges (mostly chip/pin) are authorized until the card is given over to the brother. At that point, since the woman allegedly wrote down the card number, the online charges in October and November become unauthorized. Is my thinking correct or are all the charges until the brother has the card unauthorized?