Well, I went in to the bank today during my lunch hour and spoke with a bank officer there who reassures me again that this will all get worked out and I will be taken care of. This is day 3 and today I was given a new debt/credit card.
I realize that I may never fully understand exactly how this was able to happen, but I am told that the perpetrator made his/her own card using my number. My account with the bank, however, is secure and has not been hacked - it's more of a fake credit card scheme.
The charges on the account were all described as "pre-authorized" and this is how it appears on the online statement. Once the transaction has "hard lined" or processed through the account, the description changes to show that the debit has been officially withdrawn from the account. As I discovered this fraud the very next day of the occurrence, I was hoping that we would have stopped the transactions before they processed out of the account. We didn't.
So now, my next step is to meet with our personal account manager and let her know that we are disputing those charges. I am supposing it's at this step that my paperwork starts and I understand it may take 10 business days for the bank to credit my account. The good news is the bank covered the two bills I had paid out of the account prior to this incident and they will refund any NSF charges I receive.
The bank officer also informed me that this is actually a common occurrence and she states it is often out of Orlando, Florida with charges that appear to be transferring money onto gift cards or store bought credit cards. It is up to the credit card company to pursue criminal charges and I will likely never know the outcome of that.
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