dude that sucks. i had that happen to me once and it was a pain in the butt. i had to fill out a few forms from the bank before they would do anything but in about 3 weeks i think i got my money back. i dont know why it took 3 weeks but that is how long it took me. it was only about 5 transactions on my card but nothing to major. a few hundred here and there but i did have money but aside for emergency which i had to use. online banking is a great thing. i check my almost ever hour when i am online just cuz it freaks me out to know people out there could have access to my crap. sorry about the tough luck but everything will be alright glo