No, I have never had this happen, which is amazing considering how easily I lose things.

The worst I had happen was I lent my ex my debit card to pay for a taxi and a taxi only (I was very clear about this) and he went on a spending spree. Well I knew he would, so after I recovered from my extreme stupidity I called my bank and told them to cancel the card and that I would pick up a new one. They even offered to replace the money he spent, but I didn't feel right doing that because the money wasn't stolen, it was gone because I was dumb enough to let someone immature and irresponsible use my card.

Sure enough he couldn't afford the taxi (since I cut off the card before that point) or the extra large pizza, 24 case of beer, and bottle of booze he was about to buy him and his friends, and he actually got pissed off at me for "embarrassing" him, after I told him he wasn't allowed to spend what little money I had and I was just lending him my card for a taxi.