I've had that done, also... with a credit card. The situation I cited was a debit card, and while the bank officer worked with my friend to get her money back she still got stuck with overdraft fees, to say nothing about the fact it took Sears several weeks to mail her a check.My bank (Bank of America) immediately shuts down the card and orders me a new one when I contact them about a fraudulent transaction. Then they say they will investigate and credit the charge back to my account within 7 days. They have done this a couple times for me over the years.
It's easy to say that she should have had more money there, yet not everyone keeps $600 in their checking account.
As I mentioned before, a couple of years ago Amazon did a query against my debit card even though there is no way that they should have even had that number.