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that sucks!!
what I think is if you did not lose your card at any time and never discolsed your pin number to anyone (including ex-girlfriend and all) then the bank are at fault... If their system is not secure and fraud is possible via their system (atm or internet banking or cloning a card) then they are at fault, how could you know? Don't let them make you think you did something wrond here, as long as you are sure of the fact that you did not lose or disclose infos... you are not responsible at all!
Good luck and keep us posted (wouldn't want that happening to my couple hundred bucks in the bank!! LOL)
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