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The bank that issued the card should have been held liable for your time and distress.
As far as your part in this as the consumer: you did nothing, and knew nothing.
That bank might as well have been on the street handing out blank checks to the homeless in your name.
These situations are nothing new.
Banks and businesses have been allowed to float around personal information in the public hemesphere without safeguards, and allow transactions with few checks of identity or even the subject's consent.
Heck, some places don't even require a signature or PIN on purchases under a certain amount.
Pure fraud.
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