No. of Recommendations: 3
We have been victimized by Credit Card Fraud.

It is not yet certain if you *have been* victimized, or if you *will be* victimized.

My husband got a call around 8:15 tonight from MBNA

How did he determine it was actually MBNA calling him? Particularly since MBNA no longer exists.

had used our credit card at an ATM in Toronto for $4900

That's very strange, because most ATMs have a dollar limit that can be taken out that's way lower than that, and your credit card itself should have a daily ATM limit that's lower than that (check your terms and conditions).

When we called them back,

Whom exactly did you call back? Are you sure you called a number belong to MBNA/BoA?

What information did you give to these guys on the phone?

They said that someone had called from our home phone number this morning at 7:48 and requested a PIN from the number.

Why would they tell you this? And why would any card issuer give out PINs willy-nilly just because the caller ID matches?

MBNA is saying that because a PIN was used that we are responsible for the $4900.

Then why would they bother calling you with a fraud alert?

Based on my reading of the EFT act, your liability is limited to $50 if you report the card stolen as soon as you know about it.

None of what they're saying adds up.
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