Something like this happened to me a few years ago. The peson tried to pay their car insurance for around 250. I called the bank, they put the money right back in my account and we got a new checking account and new debit cards. The only thing was that my husband has direct deposit, so it took a while for his pay to go to the new account. And, I has a few checks out. So, I had to check daily until the old account could be closed.

I had my purse stolen last year, but they were just looking for cash - we found the contents of it strewn around the neighborhood. I changed all of my numbers and everything anyway. My sil had her debit card number stolen and one morning she went to the store to pick up something that was like $10 and her card was declined. She had just gotten paid, and went to the bank, and someone in Japan had put down a down payment on a car the day before with her debit card! She got everything back, but I guess the bank said that debit cards weren't as safe as credit cards, and that depending on the bank, you can have a lot of problems disputing charges if they have already posted to your account. It's scary to think about.

I had my purse stolen out of my car this last Christmas. They did not hit my accounts, but I have had to change everything, get a new driver licsence and to boot, they had all of out SS#. I have put alerts at the credit bearues (sp) and everything. It has been a royal pain.

A few years ago someone got a hold of my credit card number and maxed it out. After filling out a few papers and getting them notarized it was done...got my account credited before the papers were sent in. A couple of months ago one of my friends told me that USAA (we both bank there) called to tell her someone was using her debit card. Apparently there's this new thing they do overseas where they just randomly go through numbers until one goes works...then they use it as long as they can. They caught it the day it was happening but they had already gone through $900. The bank refunded the money immediately. They said things like that are happening more often and they have an entire department that deals only with fraud. It's very disappointing there are people out there that don't think twice about stealing your money. Good luck with everything. Fill out whatever paperwork they ask you to and file a dispute...and put a fraud alert on your credit. My husband and I signed up with Lifelock last year when that laptop with all the VA info was stolen. They keep up with the fraud alerts and the credit reports.

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Jenny, wife to Brad, mommy to two crazy little kids with one on the way!