I've had this happen to me on my last visa/debit card. Only I pay alot of stuff online automaticly plus I only use my card and never carry cash, so this went on for about 6 months till I noticed something odd about a charge of 14.99 a month. Turned out "I" bought CD plan or some bull shit. Called up Wellsfargo, they locked down all those accounts and got all my money back, came to be like 250 some dollars.