'It's so easy for someone to steal money out of your account'

EUGENE, Ore. - Matt O'Neal visited Mexico last year and used his bank card in an ATM.

He looked at his bank statement last month and found about $1,200 in charges made in Mexico long after he left - with bank-imposed overdraft fees piling up.

"U.S. Bank is saying that I'm responsible for the fraud and I have to pay them back the overdraft and all the fees," says O'Neal.

O'Neal believes he was a victim of card skimming. That's when a scammer uses a device placed on an ATM or other card reader to intercept your bank account information.

The Better Business Bureau gives a few tips on how to avoid card skimming: Inspect the ATM, cover the key pad when putting in your pin, and check your bank statements regularly.

"It's so easy for someone to steal money out of your account, and if U.S. Bank is not going to cover you, it's extremely frustrating, but now I know I have to bank with someone that is going protect the small business and protect against fraud," O'Neal said.

We called the bank, and they declined to comment. Its website states: "U.S. Bank provides zero fraud liability for unauthorized transactions. Zero fraud liability does not apply to ATM transactions, to certain PIN transactions or certain commercial card transactions made with a business check card."

"The biggest thing is that I'm not paying it back," O'Neal said.