['I lost my debit card and someone emptied my bank account.', 'that is annoying, did you contact the bank to report it stolen?', 'I did, but they said there was no way to prove that it was lost and that they think I just made it up.  Ughhhh!']
That is frustrating, maybe you should switch banks and keep separate accounts, or use a credit card instead.
I lost my debit card and someone emptied my bank account.