Long story short: I'm an idiot, lost the card, somebody took it to a town 15 miles away and tried to charge $1,000 at T-Mobile, Wells Fargo blocked it, I called and advised when my last purchases were and that they can send a new card in 5-7 business days, I still have my ID, etc. Just the card lost, not my ID stolen. She said I'd just wait for the card and make sure my accounts like student loans are updated in case an automatic payment happens, etc.
Is it really that easy? Seems like it should be ... it was just the card and I have my ID in front of me, but this is awfully scary. And what happens if this person spent $10-$40 at 7 locations before this $1,000 charge where he had to provide ID? I just eat the loss as a character building expense?
I guess I'm thankful that the kinds of people who would use a lost credit card aren't that bright. Trying to buy a $1,000 phone at T-Mobile with a stolen card when it requires a credit and ID check ... really?