Did you call your bank's fraud department? They can often advance you the money and take away the overdraft fees when stuff like this happens. Being billed 87 times is a pretty big deal, they should be able to take care of it. May be a little more difficult since the card wasn't actually stolen but it's worth a shot.

Of course if you had American Express they don't put up with any nonsense at all, you could get it back in minutes