Mine hasn't, every time my debit card has been cloned (well only twice now) they have made me fill out tons of paperwork and it then goes to the fraud team. Only once they have looked into it the money was refunded (took 14 working days last time).
When it happened on my credit card they refunded it instantly. No questions asked.
What bank are you with?
When my card was cloned, literally the moment they tried to use it I had a phone call from the bank (HSBC) saying that a suspicious payment was requested and if I was the one behind it. I said no, and they just said "Ok, the payment is now declined, we have cancelled your card and will be getting a new one soon." And that was that.
I know it's almost immediate phone call because I accidentally triggered it myself once when I put the wrong address in by accident, soon as I hit pay, the phone rang 3 or so seconds later, mad stuff.

Also don't personally think this is a small hacker, clearly gone after information that they could sell.