My Amex account number was stolen a month ago. It took me three minutes on the call with a rep to get it locked + a new card issued. I think I spent more time and effort on the phone with my dentist later that week.
Source: Someone cashed a fake check against my terminally ill father's People's Bank checking account this year and it was a couple months of work to deal with the fallout. Faking a check is absurdly easy and US banks kinda suck at dealing with it.