My bank card was lost one evening, I was unaware of this until the next morning when my bank called to alert me of suspicious activity ( I dont have a car yet there were multiple out of state fuel purchases ) . I was told that it was being taken care of. Some days later I'm told that I'm being summoned to court, and that I should have filed a police report ( I was thinking at that time that it was being resolved, so why file a report. The bank would handle it since they knew that it was fraud... or so i figured) During this time my health was failing me, and I was in and out of the hospital every other day. So going to the police station was not of much priority. The bank also took the 1000 of savings (in the same account) I did have to put that toward the negative balance.