credit card unauth'd use -- HELP!! :(

[crosvs]

Hey everyone-

I need your help/advice/guidance. My family and I have been with Bank of America for years and I just wondered whether you could give me any pointers on how to deal with what I suppose is called credit card fraud.

In August I went to Europe, if any of you remember -- to Prague and Vienna. I just noticed that since October, there have been 49 unauthorized credit card transactions -- most of them to the same payee -- totalling $935.99. Some of them certainly seem to be international transactions.

Anyway, I downloaded all the transaction data from BofA's website and dumped the data into Microsoft Excel, filtering out the unauthorized transactions.

Any next steps I should know before contacting BofA tomorrow morning? (The security branch is not open 24 hours unfortunately. Go figure?)

Thank you so much for your help in this matter.

P.S. Before anyone asks why didn't I spot this sooner, my answer is simple: although noticing a few of the transactions, I negligently (a) didn't investigate further and/or (b) thought they were related to online bill pays or other miscellaneous expenses I had incurred. The thing is, the mathematical average of all expenses was only $19 or so, with a maximum of only $40. Being relatively small amounts, it didn't really hit me until today that there was something VERY wrong. And then I connected the dots when I realized they only began to appear after my trip to Prague and Vienna.