Before you jump to conclusions be sure that the person truely did it on purpose. I work in banking and have seen several cases where a person accidentally switched their card number and bought several things. In one case it def wasn't fraud, the women was 85 are barely could speak on the phone. In the cases where is was fraud many times there is little or no way to track it. The shipping destinations were dead ends, some use post office boxes with fake names etc. Reg E will protect you from the charges so its no loss for you. You should receive provisional credit and your credit card company will investigate.