<prompt> Human: A couple months ago my girlfriend was a victim of credit card fraud. All of a sudden her card says she has a 9,000 balance for American Airlines tickets. She calls Capital One and reports the claim. Within seemingly an instant they refund her for the 4,000 that had made it through, cancel her card and send her on her way with a new one. All is well or so it seems.Fast forward to today. Now she has another strange balance on her card, this time for 4,000. She calls Capital One and they inform her that she owes the original refund back now that American Airlines has refunded her as well. Confused she inquires further, calling American Airlines and Capital One numerous times.Here is what she gathered. At the time of the fraudulent charge Capital One refunded her in full. Then, after that fact American Airlines slowly starts to refund her back over the course of the next 3 months bit by bit ticket by ticket onto her credit card. Because this didnt show up into her checking account instead it was subtracted from her monthly balance she didnt notice it. Mint didnt recognize it. We missed it. Now that total has added up to 4,000 and they realized their error and are charging her for the money. What can we do?A couple more details my girlfriend is insisting I mention:The Capital One refund the original one was marked as from American Airlines and no one mentioned that this was actually from Capital One or that they would someday actually want this money back. Capital One admits this marking was wrong. She says once the initial refund happened she thought all was well and wasnt on the lookout for this second piecemeal refund.Full disclosure: we understand that she did unintentionally spend this extra money by paying off her credit card balance every month as she always does.Thanks for reading this. We are just a bit stunned and unsure of how to proceed.  <response>: You pay it back? Theres no way out of not paying what you spent. I dont know how you just miss the fact pver a grand extra was spent each month magically appearing. 