Yesterday I went to get some cash from the ATM, and I was denied. Sure enough, when I checked my account, there were withdrawls each day for the last four days for $400 (the maximum cash withdrawl amount, plus a few bucks for using an out-of-network machine). It drained my main account, and some of my overdraft account. Each withdrawl was made from different stand-alone ATM machines in cities about 15 miles away. Obviously this guy had a card and my pin number. Since I still have my card, and I've never told my PIN number to anyone, I'm a little upset that this happened. He may have shoulder surfed me at an ATM to get the code, but how would he get a card? I immediately informed the bank (Wells Fargo), and cancelled my card. But of course my main concern is getting my money back. The operator said they would open an investigation, and it shouldn't take longer than 10 days. How likely is it that they'll be reimburse me, or will I have to fight? Should I get a police report, or will Wells Fargo take care of it? Basically, I want to know if I should expect the bank to work for me, or against me? Is this a common occurance nowadays?