Identity Theft.

I feel your pain, it's happened to me four times now. The last time the Pa State police got search warrents for the servers in Arizona, LosAngeles, Sydney Australia and tracked the origin to China where they could do nothing more. Visa should cover the whole thing they always have for me. Good Luck..you need to get in the habit of checking your balance regularly and balancing to your statements as soon as you get them..whenever I make a deposit I check my balance and if it doesn't sound right I ask for an interim statement which they print on the spot. Took 4 times for me to start doing this..never thought it could happen twice, three times..then 4 times..guess I'm a little slow on the uptake...
Good Luck...