Hello, Bank? Why is my debit card not working anymore?
Oh, someone hacked into Visa, so we issued you new cards, but didn't think to tell you about it.
2010
Hello, Bank? Why is my debit card not working anymore?
Oh, we saw a transaction at a legitimate business and decided it was fraudulent, so we inconvenienced you by shutting down your card and not telling you about it.
2011
Hello, Bank? Why didn't you flag 10,000 transactions for Xbox Live made on the same day as suspicious?