Had a CC stolen and could see in real time that it was being used to check in to a hotel. I told the bank and they didn’t seem to care. We got the charge removed from the card, but come on! I almost called the front desk myself, but I was like if the bank who is losing the money doesn’t care, then I don’t care I guess.
It’s this kind of attitude that perpetuates fraud. But, as some have noted above, the math makes it not worth the trouble to them, I guess. A bank reports >$600 deposits to the government (don’t know if this is still the case) but ongoing criminal activities that in some cases cost customers (no reimbursements), are not.