DR Jeanne, I'm sorry to hear about your bank situation. This is happening way too often. My first memory of having a credit card is around 1986, and I once left it behind in a CD store. On my next statement, someone purchased in Italy over $2000 of clothing and shoes. That was my firsy enocunter with fraud. It was over 20 years later before another situation occurred. Now it seems to happen every six months or so.