Card Problem

It would seem that i was unlucky enough to have my card cloned. They managed to empty my account, when i phoned the call centre for assistance, they stopped my card, and told me i would have to pay a fee,which is actually ridiculous,but i told the lady that there is now no funds in my account. They went ahead and charged me a lost card fee. The account then went into a negative,after i told the lady that there would be no funds! Then i get a snotty sms telling me that my account is in a negative and to 'please rectify'. I presume i will pay another 'fee' for this once money is transferred into the account. This is day light ******* from the bank, and pathetic service. I will be moving to another bank.