I was a young 18 year old lad and bored. Saw the usual ad of click here for fun girls in your area and I thought to myself that I had fraud protection I'm good. The website took my card info and immediately started racking up random charges for gift cards and premium hotmail.com services (guess that's a thing?)
I called the bank's support line quite nervous as I was paying for adult services and was still uncomfortable talking about that type of thing. The guy at the bank was a total bro and literally said; "You lost your card at the mall? I'm so sorry to hear that. Let me reverse these charges and get you a new card." Never once did I mention a lost card or mall. Would have been a life customer if they hadn't closed that branch.
Edit 1: Holy crap! Thanks Reddit for making my highest rated post about my uneducated lust.
Edit 2: Feel a shout out to TCF Bank is now in order for the broservice of many years past.