<prompt> Human: This is in California through Union Bank. The chip on my atm card stopped working and Union Banks policy is to put a fraud alert on cards that are using the swiping method instead of the chip. I cant find a link to the policy, but this is the second atm card the chip has stopped working for me on and has resulted in a fraud alert on my card. The first time it happened I had to answer a bunch of questions to get the fraud alert removed. This time, I didnt do that. I spoke with a regular customer service rep who told me about the fraud alert when my card was declined and said she would send me a new card. The new card arrived today and I was unable to activate it. I assumed it was because I hadnt dealt with the fraud alert yet. When I called the bank to find out what was going on, the rep asked me to confirm recent activity as part of their identity confirmation. This is when I discovered 2 charges for Gas in cities on the other side of the state that I havent been to in recent memory. Both of these charges happened after the fraud alert was put on the card while I was waiting for the new card in the mail. Ive put in a claim with the bank and am working on following their procedures to hopefully recoup the money, but Im wondering how this could have happened and if there is anything I can or should be doing that Im not already. Thanks everyone.  <response>: Most likely the card was used at these gas stations prior to the fraud alert, but the actual charges didnt hit the account until after the fraud alert was put on. With gas stations it can take sometimes up to a week for the money to be taken from your account. 