Lost credit card or stolen card??? Don't tell the bank you used it!!!

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So a very close friend of mine recently went to the mall did a little shopping and went about her day. Two days later she went online to check out her bank account as she normally does. She was in the negative! She couldn't understand she knew there was money in there yesterday! She couldn't have spent that much! Anyway looking at her account she realized there were charges she didn't put on her card. She called the bank and told them her account number was stolen. The problem is she also told them that she had shopped at the mall that day. Guess what they told her - There is nothing we can do about it. Because you acknowledged two of the transactions made at that mall that day, you may have forgotten that you shopped else where, they basically said you’re lying! Needless to say she was charged with a bunch of overdrafts and lost all that money. So be careful, if you lose your card don’t acknowledge using it at ALL! What would your bank do??? Do you know – for sure???