You’re the Fraud Dept.
You got a form in front of you with checkboxes.
Does one of those checkboxes say, “Child stole bank card for Fortnite”?
Or does it say something really vague?
Nah. No charges needed. It’s an everyday thing at banks.
I had my bank acct wiped out by a paypal scammer a few years ago. I’m impressed it took that many years for that to happen.
I just told the fraud dept, “I didn’t take that money out”.
Two weeks later, I got it back. No big deal.