Yes through phone.
Yes scam, and yes mentioned.
I phoned in talked to security -> transferred to fraud dept (who realized this wasn't fraud as in someone using my account) -> disputes.
My problem might be the whole 45 day thing, the original transaction was Dec18th and it cleared Dec 28th, both over 45 days.
The only thing I didn't mention was charity, I referred to it only as a scam.






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