This has also happened to me and my Wife here ! We got hit several times with purchases in States we were never in! It was done by Phone-in-order! What got us was the Bank returned all funds,and didn't care about who dunnit!!! So,we cancelled overdraft protection,and what that did was not allow a major purchase to go! Also changed passwords and all I.D.no's!! C U at the Lodi Grape pin show in May,Mercat!!!