Fraud!

I just checked my account balances and got the fright of my life when I found myself overdrawn by more than $200. At first I thought that I hadn't left enough money for the rent check cheque but then I saw several transactions that I never made. Over the last two days someone stole $642.92 from me! Most of it was at service stations where you can pay without a pin or a signature. There was another at a supermarket where they usually ask for a signature.

I've already called the hotline to cancel the card. Tomorrow I'll have to go to the credit union to get my money back. (This shouldn't be too hard, Visa has a "zero liability" guarantee on their debit cards.) I might even have to file a fraud report with the police as well. They'll need to investigate who it was and maybe how they got my number. The only time the card has been far from me recently was at a restaurant when the waitress took quite a while to bring it back. But that seems unlikely. And I can't imagine skimming devices on Bloomington ATMs.

Luckily I keep most of my money at another bank so it couldn't be swept into my checking chequing account, so I'll still have something to live off while they do the paperwork.

Update
So I went to the credit union and they sent me to the police to file a report and get a case number. The police said that there had been a spate of card-number stealing a few months ago but that this was the first in a while. After I took them the case number the people at the credit union assured me that I'd get my money back in a few days; but I'll have to wait about a week until they send me a new card. (Luckily the grocery money is on a store card.)

13th August - I got the money back today.

16th August - And now another fraudulent transaction! Another $87.98 backdated to the 9th, again at Louisville.
So I went back to the credit union to sign another form and let the police know.

20th August - Finally I've got a new credit card and PIN. The last of the money has been returned and life is back to normal.