But when I went to my local branch to file the fraud claim, the manager there strongly suggested I close the account.
Sometimes that’s nearly automated. A few years ago, I had a bogus telephone charge–for an outlandish amount of money from a phone company (itself entirely innocent of this) with which I hadn’t had an account for decades–on my credit card.
I called my bank, which was the one issuing the card, and the lady’s almost automatic response was to cancel the card entirely and issue me a new one. All the outstanding charges but the bogus one were carried over to the new card. No rigamarole about trying to reverse/cancel the particular charge and protecting the account more.
A short bit of hassle for my wife and me, but sometimes the Gordian knot solution is the more efficient one.
Eric Hines