It happened to me this past Tuesday.... Somewhere my Debit card was cloned and someone purchased $300 of clothes from The Gap.... My bank emailed me. I got it on my phone immediately and had my account frozen. The person or persons tried again 2 more times at the Ambercrombie n Bitch.... Come on now... You know I don't shop at places like this. The Money has since been returned to my bank account and I have a new card coming out next week...
Use cash in the Shady places.... Like the dive bars we frequent... C4L.
Jr - its ok to admit you shop at the GAP

On a serious note I had someone even hack into my checking account and they took all my cash. When I reported it they found out it was hacked by someone in Japan. I got my cash back but the bank could not do anything about the incident.