it has happened to me 3 times over the last year, however I do not know how it was compromised. I bank with Bank of America. They email and call and say they believe the car has been compromised or there is fraudulent activity. They put a freeze on the account and send out a new card asap. I have never had to pay any penalties or anything. However, they can never tell me where or how the card was compromised. They say sorry we don't have that information. It's so annoying! I have no idea what is going on, but I can't do anything about it because they won't give any info. Has this happened to anyone?