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Many years ago (good grief, 30 years ago!), when I was a student, I was unwittingly the cause of some 'phantom withdrawls'.
My bank card got damaged, so I got a new one from my bank. It had a different number on it, but had my full name. My balance when I checked it at a cash machine seemed a little bit different than I expected, but not enormously. However, after a couple of weeks using the card, making the small withdrawls I needed as a student, I did raise the issue with my bank.
It turns out they'd issued me with a card in my name and with my PIN but with someone else's bank account details on the card....
The balances got adjusted and I got a new card. With the proper details.
Whether they fixed the systems to stop something like that happening again, I don't know.
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