I had to get a new debit card a few years ago as someone got a hold of the card number and PIN code. I suspect I used a tampered ATM machine at a super market one day and I was losing $300.00 a day for 4 days until I logged in and saw those fraudulent transactions. I immediately called B of A and they refunded the money after a couple of days. They started an investigation and then sent me a letter about a month later saying that I didn't have to return any of the I was refunded. Not sure how they researched it but the ATM transaction were made late at night or early in the morning while I was asleep.
"Gravitation cannot be held responsible for people falling in love." -- Albert Einstein