a few months ago someone had stolen my chase UR points approx. 350k, i usually don't check my point balance but somehow i just checked it the other day after it was taken out, i called chase i was with them on the phone for 1 or 2 hr.! then they called me back it went back and fourth a few times finally they got a hold of the hotel were it was used to book a stay for a few nights in "Moscow" for 3 PEOPLE, they had already checked in and finally the next day they were able to cancel the reservation and they got them out of the room.. so i was happy that they didn't got to much use out of it. but it took very long to get the points back into my acct. and then for the next 3 months i had to go through security with the fraud Dep when ever i called in, every single phone call was a big hassle, but in the end it paid out when chase reimbursed me twice on 1 card what had 155k points so i got an extra bonus of 155k!