A thief created a CIBC Visa card in my name and used it to withdraw cash (only). I found out it when I called CIBC about another card and I told them it was a fraud. I reported it to the police and told CIBC to stop the card. They did and then I checked and it had been reactivated - they said I had called to tell them it was not a fraud! This happened four times and finally I had to go to a high level investigator at CIBC credit cards to stop it. I think it was an inside job at the CIBC credit card department because they even tried to con a branch manager (the cc dept told the manager that she had authorized whereas I had asked her to cancel. Fortunately she had taped her call.) So I gave up on all CIBC cards. I think that now that they are being careful it's a good thing. BTW a year later, they sent me a bill!