This depends on the specific situation. It's really a problem with the banking system. This is a good thing. As long as you complain to Bank of Communications, they will be responsible for recovering the responsibility for you. If you can't restore them, you should pay full compensation. Don't worry at all.

However, if you are responsible, such as revealing important information such as card number, password and security code, or logging in to a fishing station online, or even being cheated to swipe your card, you should also bear the corresponding responsibility. In the court case, if the customer leaks information, the bank is also responsible, and the court can decide to share the loss in proportion to the responsibility, such as 50-50 points.

As for where you went before, the bank can definitely find out, that is, adjusting the bill and deducting money, but it may be a temporary account or an online virtual account, which is more difficult to trace.

In your case, Bank of Communications promised to find Bank of Communications, and if Bank of Communications did not fully undertake it, it went to the local police station to report the case.