unauthorized use of my bank card?

Yes. You should contact the police in the area where the crime occurred and ask to make a report. Your bank will probably require that in order to validate your claim to have the money restored to your account.

 

Make sure you carefully and thoroughly read your accountholder's agreement and follow the proper procedure to notify the bank in writing. Do it now. Don't let anybody tell you to "wait." "Wait" is a dirty word when it comes to this kind of thing.

Also, don't wait to file a police report. Do that now, too.

 

You'll have to find out what NYPD precinct covers the address involved and call there. It may take you quite a while on the phone to get through to someone who will help - reports are not often taken over the phone, but in a case like this it shouldn't be an issue, although getting through to make the complaint may take a while.

 

This is sufficient and most common. Identity theft reports are often taken where the victim resides. The agency taking the report will determine the appropriate jurisdiction(s) to forward the report to.
I will tell you now that nobody will ever investigate this as the value of the loss is so low it will be at the bottom of the pile forever.
However, the fact that you made a report and have a report number will likely satisfy the credit agency enough to compensate you for the fraudulent charge.
That is likely all you really want anyway.

 

If you want your money back, the bank or credit card issuer will ALWAYS request you file a police report.

On rare occasions (for very special people), such a report may not be required.

In the future don't leave your credit card information on ANY website.

If you hadn't left the info in your pizza profile, the thief wouldn't have been able to RIP YOU OFF.

Statistics say that in the majority of these cases, the perp is known to the victim.

Just as most murder victims KNEW their killer.

Anyway, I hope this all gets sorted and the money is quickly replaced into your account.

 

I work for a bank and an individual whose bank card had been used fraudulently would NEVER be told to file a police report before taking action. I cannot imagine how clogged up the system would become if everyone who ever has their card information used fraudulently had to file a police report! Our e-banking department deals with this sort of thing on a daily basis.

I've had a credit card used fraudulently and the credit card company contacted me because the transactions were done at stores way out of my normal area (several states away). They verified that I hadn't done the transactions, reversed the charges off the account, closed that account out and opened a new one, and issued me a new card, but not one word was ever said about taking any sort of action to report it to the police.

If your wallet or purse was stolen, then you might want to report that to the police, but it would never be a requirement, or even a request, in order to dispute a transaction and refund the money to your account.

It does make sense, however, that the bank would have to wait until the disputed transaction had actually cleared the account before they could refund the money, because there are all sorts of regulations and rules regarding e-banking that govern that, and you can't actually refund money that hasn't come out of the account yet, even if it shows that the charges on the card are pending.