To my horror, today I found that an amount of 3800 was withdrawan from my wife’s account on 8 Aug 2012 at around 10:40 PM. 

3800 was the max withdrwable amount possible as the balance at that time was 3821.

We have NOT lost the card and have only used it once, the day it was issued.

Now, I have no idea how this fraud could have taken place without any access to the card.

The account is in corporation bank in Rohini, Delhi branch. Branch id: 1169

What can we do to recover the money? Any help on this would be appreciated.