That's your perspective. That's when -your- behavior doesn't match your previous behavior.
What they are looking for in a different context is "Customer A reported unauthorized transactions, and so did Customers B through D. Each of these customers, prior to these reports, all had a transaction occur at XYZ gas station, so is there a skimming problem at that gas station?"
Is it actually? My bank calls me to ask which transactions were mine and which ones werent, thus requiring outside feedback