@roger,
I'm not certain it was done online but it seems likely this time. A few months back I used the card in the same grocery store I've gone to for years. Less than an hour later somebody began using the card, which made me think somebody inside the store managed to get it. The difference here, the name associated with the last incident, the money was allegedly claimed by somebody in New Jersey.
The bank asked if I reported it to the police. The police told me I live outside city limits and gave me the county police number to call. I will call early Monday morning. I don't think any action will be taken, but I need to show my bank that I didn't willingly pay out this money.