<prompt> Human: Went to the grocery store to buy some ribs to cook for my dad for Fathers Day when I get to the register my debit card gets declined. Last time I checked my balance it was over 23K so needless to say I was shocked. I assumed something tripped the fraud protection so I immediately call the bank. Long story short is someone in Miami went on a very aggressive and brazen shopping spree large enough that they hit the 10K monthly spending limit in three days. The bank is investigating and I have no reason to believe I wont get everything back, however this was so over the top and outlandish multiple trips 1K trips to the same Walmart, some sort of cell phone store, Bloomingdales, grocery stores, friggin McDonalds. Overall my estimate is about 8500 was spent in 72hr period. Theres no way these people arent on camera everywhere. Should I just let the bank take care of everything? Should I file an actual police report? If so do I do it with my local police or with Miami area law enforcement? If it werent for so much money Id just let the bank take care of it and not worry about it, but this was so brazen I feel like they shouldnt be able to get away with this.EditUpdate:All but one of the transactions has been refunded and my new card is in the mail. Someone sent me a PM and told me they know someone else who got cleaned out by someone in Miami with the same type of card I have American Express Bluebird so this might be a larger breach outside of my control. Bluebird accounts have a SetAside option which removes funds from being readily available so I moved the majority of my funds to that. After the dust settles Im going to start seeing if I can open up a real checking and or savings account. In case you missed it the reason I dont have a standard account is because I was unemployed for a long period in which my regular bank account of 15 years got overdrawn, closed, and sent to collections. Since then Ive tried to open a new account with several banks but was denied. Unfortunately my current employer requires direct deposit and Bluebird seemed to be the best option at the time.Last but not least Im going to file a police report just to cover my ass with the hopes maybe somebody will get prosecuted for this ridiculousness. Thanks everyone!Edit 2: Now it all makes senseOn a whim I decided to search American Express Breach and guess what what I found: American Express issues alert after Anonymous dumps cardholder data I do not live in CA so I was not alerted to this. Earlier this month when it was news I was traveling and I never heard about it. I wish I couldve been told so that I couldve at least been more vigilant rather than discovering it while buying groceries on Fathers Day. Definitely going to start moving my money out of this Bluebird account.  <response>: YES you need to file a police report ASAP. The bank may come back and require you do it anyway, plus it will add it to your police departments giant stack of fraud cases it is probably related to some case they already have open, so it could give them more dots to connect.Start with your local police department and if you need to report outside of that they will guide you on that. 