I used to work in a bank and I helped clients with several fraud cases while I was there.
The person I was talking with said that the 3000$ is gone, and that the fraudster must have had my password, account number, and bank card number.
It's normally one or the other. A fraudster doesn't really need your online credentials and your card information. If they have the card information they can make purchases/transfers with the card. If they have the online credentials they can transfer money to another account, and if they had your online credentials they would also have your account number(that is normally visible online).
but it was specifically stolen using my card information
They had your card information. This is MUCH easier to get than your online credentials. It's rare for someone to hack into your online banking if you have a strong password and never share or reuse that password. Stealing card numbers on the other hand is very common.
Potential causes ranked in likelihood:
*Skimmer device at a gas station.
*The POS device at a retailer was hacked(like what happened at Target).
*Online retailer was hacked.
*An employee at a retailer/restaurant who swiped your card stole the numbers. Writing them down would be difficult, but oops they dropped your card behind the counter, and then snapped a photo with their phone as they picked it up.
*Someone with physical access to your card, friends/family, wrote down the numbers.