<prompt> Human: Im at a loss for words right now, and have no clue what to do. I checked my bank account after the weekend, and saw that there was 8,000 worth of charges to a country that Ive never been to. I immediately called Wells Fargo and started a claim on Monday. We went over all the charges and the rep gave me a claim number. Earlier today I receive an e-mail saying that my case is closed, but didnt say it was giving me the money back. I decided to call Wells Fargo, and they said my claim was denied. The rep I chatted with said that all she could do was repeat back the notes to me, and have someone call me back. She said the notes stated that the charges were authorized and that I had to reach out to the merchant. There is no information on the merchant at all, and they were unwilling to give me anything. Does anyone have advice on what I could do next? This drained my checking account, and Im in a panic right now.  <response>: You should be able to fight this. That being said, this is a good reason to use CCs and not debit cards. Its much worse for you when your checking is at zero than it is if your CC is maxed out.It may require a lot of harassment from you in order to get your money back. Be ready for a long battle. Maybe its long, but you should be able to ultimately win in the end. 