I have had this happen to me once before, sort of.
They stole my debit card. When I was boxing day shopping, i was using my debit left and right. I didn't like, and still don't like carrying a lot of cash on me. about 2 days after that, I go to use my debit again to pre-pay for some gas, and declined. i tried 20 dollars, then 10, then 5, then pissed off I tried 0.01 and still declined.
I went to the bank afterwards, and they said i couldn't use my debit because my bank account was on lock down. they gave me a phone number for theft prevention and fraud, and sent me on my way.
I get home, call the number, and after about 35 minutes on hold, the guy tells me
"we put your bank account on hold because of some suspicious withdraw attempts and we need you to confirm them. Have you tried withdrawing $500 from a debit machine in Montreal at such and such time and date?"
"nooooo I have never been on to Montreal"
"well it appears someone has a counterfeit copy of your card, the account is on lock down until you can get a new card, and we can set you up with a new account, just tell them this cnfirmation number"
I sat there in awe, always thinking this shit never happens to me, it will never happen to me, and then it does.