This is a nightmare. A lost debit card saw an Ontario student scammed out of nearly $9000 after a trip to Toronto. 20-year-old Dana Roeger contacted her bank and they allegedly refused to reimburse her because of her pin number.

According to CTV News, Roeger was at Yorkdale Shopping Centre with her friends when she last used her debit card at a Starbucks.

“I hadn't realized that the card had gone missing until I was travelling back to Ottawa on the train," Roeger said.

She says she got in touch with her bank the next day and felt pretty sure she'd be able to get her card immediately cancelled.

“I assumed once I spoke with a teller, they would cancel the account, but two weeks later I was told there was more than $8,000 in overdraft in my account," she explained.

Roeger was actually told someone had been cashing out fraudulent cheques under her name and withdrawing cash before they could even bounce. 

As in many cases of fraud like this, the issue appears to lie with the PIN used on the banking account. Roeger's PIN was the last four digits of her phone number.

Her bank, RBC, insisted after an investigation that whoever took her card must have either known that number or found it too easy to guess. 

“They are claiming because the transactions were made with my PIN number, I should be held 100 percent liable despite the fact they have police photos showing the person who used the card is proven not to be me,” said Roeger.

RBC allegedly told Roeger she must pay back the almost $9,000 in debt plus any interest accumulated, per CTV.

“All I ask is that the bank realizes that I was not responsible for this. I was robbed,” she said. “I was literally a victim of fraud and they should take off this debt because it was not accumulated by me."

For Roeger, paying back these funds is more than just a hassle. Her case has been sent over to a collections agency.

In a statement, RBC explained they review potential fraud and unauthorized transactions on a case-by-case basis. 

“Clients are given guidance on how to protect and safeguard their pins. This includes not sharing their PIN with others, and making their PIN unique and unrelated to personal information so it cannot be easily guessed,” said a spokesperson for the bank. 

If you've ever been a student, you can likely imagine the impact that suddenly owing $9,000 can have on your life. Let alone $9,000 that wasn't even spent by you.

Roeger tells the familiar tale of barely being able to afford rent and loans. That could get worse, too, given that rent in Ontario is expected to rise in 2020.

Student debt is such a struggle at the moment that students had been protesting against Doug Ford due to OSAP cuts back in November.

The cuts were so bad that even some Ontario students missed out on a year of school due to the changes.

Narcity has reached out to RBC and Dana Roeger for comment.

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