<prompt> Human: Friday night I 22F went out with my friend. I withdrew 80 from a bar with my card and kept it out with the cash wrapped around it. Stupid, I know. We made our way to other bars and I paid in cash.Finally we ended up at a hookah lounge. I was pretty drunk. My friend and I got two shots and one thing of hookah. I have never done hookah before so I have no idea what to call it. She paid and we left. I distinctly remember her paying because I remember thinking to myself: Is it rude to not offer to pay? Oh well.I woke up the next morning to realize I couldnt find my debit card. I frequently misplace it so I figured it was somewhere in my large bag. When I logged on Sunday afternoon to check my account, I saw 207 worth of charges I didnt make. I put two and two together and realized that my card wasnt just misplaced.The tricky thing is: the first charge for almost 70 was from the lounge I mentioned earlier, where we got two shots and a thing of hookah. My friend paid for our bill though and she showed me the screenshot from her account, which only ended up being 55. Theres no way that her and I spent 125 55 this mysterious 70 at that place and also I didnt pay for anything there! Im assuming I dropped my card at that lounge, someone found it, used it there, and then treated themselves to various other bars after that. They had transactions starting Friday night up until Sunday afternoon. The large transactions were all at bars that I have never been to, but they are in my city. One charge randomly says Washington DC on it which is not where I live.I locked my card and called the fraud department for Bank of America. They said that between the time I had locked my card, someone had tried to use my debit card again, but it was declined because I locked it. Ive been with BOA since 2012 and I have never had to file a claim with them. But I am concerned with the charges being local, and one charge being made at a place I was physically at that night...I asked them if theres anything I could do to help the claims process, and they said I could get a police report. I obviously dont want to lie to the police, but I feel like its going to look really suspicious if I say: Well, I was at that bar, but I wasnt the one who paid, and I must have lost my card there. I dont want Bank of America to have any reason to deny my claim. And a purchase being made at a location I was also at that night is suspicious. Ive read horror stories about peoples claims getting declined just because their charges were local -- let alone at the same bar!Does anyone have any advice here? Should I get a police report, or no? Is BOA going to decline my claim? Should I not mention the fact that I was also at that bar?Id also like to say: yes, I have learned my lesson. No need to carry my debit card around and I need to monitor my account daily as well as set spending limits on my debit card.  <response>: Get a police report and give the report number to the bank, you shouldnt be out of luck since its still theft. 