Posted this in a semi-related DIY thread today...
In the middle of swapping out a disposal this morning, I get a call from an 877 number I didn't recognize. Normally I wouldn't answer, but with my new Call Protect app, most telemarketers have been flagged as such...so I answered. It was an automated system from my credit union asking me to verify some purchases that were possibly fraudulent. First one up was $400+ today (using my debit number) at a Sam's Club. So I hit the button for fraudulent, finally spoke to somebody and confirmed it wasn't me, and they immediately closed my card.
I asked them if there was other activity in question and they said no. I should've checked while I had them on the phone, but it really wouldn't have mattered based on the rest of the convo. So, I hung up and checked my account...and there was a charge from the same Sam's Club yesterday, for $900+ that apparently went through.
They (the fraud dept) couldn't do anything for me other than cancel the card. I have to deal with the local branch Monday morning to get a new card issues and start the dispute process to get my money back. The only other time I remember this happening with my debit card, I think I had my money back the same day it maybe the next. Just a pain in the butt to deal with.