I just had something sort of similar happen to me, but in my case they were just using my address to have things shipped to (the name being used was probably the victim of identity theft). My accounts and credit were all intact (though I still put on a fraud alert), the only thing that I am dealing with is that the person who was shipping things and claiming them at my apartment complex intercepted one of my packages and signed for it... that was my new point and shoot camera (well, that was take one of getting that camera, I ended up picking up the camera at Best Buy instead... took 4 photos and then dropped and broke it ...still dealing with that one!). Costco is dealing with the "mis-delivered" camera.

I did file a police report (one of the things that I got in the mail was for some checks that had been ordered so there was obviously something sinister going on. The sargent who responded to my call told me that you shouldn't use a debit card unless it is pin driven, and even then you are better off with credit cards. He said to have one credit card that you only use online, might be good to have one that you only put your recurring payments on, like utilities, cable, cell phone etc., and have one other one you use for everything else. That way if one of the numbers gets compromised you can cancel that one without having a huge impact on the rest of your life. He also said that online is actually the most secure way to do things like you banking (make sure your internet connection is secure). He worked white collar crime and said that they didn't see a lot of identity theft online (though there obviously is some), most of it comes from stealing checks out of the mail, and stores/resteraunts either using a sniffer (gets your number), or just copying your credit card info.

Sorry this happened to you Sundial! Good luck getting everything straightened out!
Ellen