In europe we have been using Pin Based Transactions (PBT) for debit cards since decades both at ATM's and at POS's. First with magstripe and since a couple of years only through CHIP cards (with contact and not contactless).
The problem is that card companies in the US finds the cost to equip all merchants with CHIP capable terminals more expensive than to pay for the fraud risk.
So, go to your bank and ask for your money back, it is their lack of pushing payments schemes to go for CHIP & PIN in the US that is exposing all US based cardholders to such kind of fraud.
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In europe we have been using Pin Based Transactions (PBT) for debit cards since decades both at ATM's and at POS's.
First with magstripe and since a couple of years only through CHIP cards (with contact and not contactless).
The problem is that card companies in the US finds the cost to equip all merchants with CHIP capable terminals more expensive than to pay for the fraud risk.
So, go to your bank and ask for your money back, it is their lack of pushing payments schemes to go for CHIP & PIN in the US that is exposing all US based cardholders to such kind of fraud.