This has happened to us many times,unfortunately. We have never lost our cards, nor have they been “stolen” officially, but the card numbers have been hacked — and it can happen anywhere now: locally, online. It doesn’t seem to slow the thieves down either way. It’s an inconvenience but no, you don’t owe anything. We also have LifeLock, but I’ve found that they don’t really do anything on these issues since you already have zero liability on CC fraud. Good for you for being so pro-active, though! You did more than we have. It’s just so common these days, sadly. Sorry you had the hassle!
So what good does Life Lock really do then?