<prompt> Human: First of all I just want to say I cannot make this up. My fiancés brother just went to jail for shooting a B.B. gun at a Taco Bell window because they didnt give him the correct change, very stupid I know. Her mother asked her to co-sign on a loan to bail him out, obviously she said no. Her mother had one of her credit cards and has apparently been using it for months without her knowledge. A lot of charges on the card talking to her brother in jail is how we found out. Recently she tried to get it back and her mother wouldnt give it to her. She originally had it to help build her credit about a year ago. I didnt know about this. The statements have been going to her moms address from where she lived before we moved into our own place. Her mother finally gave the card back yesterday and the balance was over 1100. She also asked my fiancé to do a cash advance for almost 2000 to help bail him out and we said no. Now shes saying she will not pay for the balance on the card and has blocked our numbers. Because we wont bail him out of jail. We have called the bank and closed the card. Reported it to the fraud department and will file a police report if no response from her mother within the next few days. I would like to add it is just her name on the card, not her mothers. I did not know about this or I wouldnt have let it happen. She trusted her mother too much I guess. Has anyone experienced something similar to this? What are our best options? EDIT: She will be freezing her credit tonight. Thank you all very much! Any advice is appreciated. Assistant: You filed a fraud claim? For what? If your fiancé allowed her mom to use the card and never monitored it, thats her fault. Just because someone did something to betray her trust, doesnt make it fraud. If mom had been spending for all this time and her daughter never said anything, mom could say there was implied consent to her spending habits. Did your fiancé not make sure the minimum payment was getting made every month? Solution: have fiancé pay off the balance and chalk it up as a lesson learned. Wouldnt hurt to put a watch on her credit since mom probably has access to her daughters info and could do something drastic since being cut off. Also, it sounds like your fiancé really needs to be educated on how finances, credit, and money matters work. It would benefit you both immensly since youre wanting to spend your lives together.Human: She will pay off the balance if her mom doesnt. The bank flagged recent transactions as fraud because she did not have permission to spend hundreds of dollars on jail calls. We told them exactly what happened. Hopefully she learns a lesson. We have checked her credit and made sure she has no other information.  <response>: if her mom doesnt.WHEN her mom doesnt. Cmon man. Look at who you are talking about. She just asked you for another 2000. Shell NEVER have an extra 1100 to give you. She will DEFINITELY bring more drama and trouble to your life.Eat the 1100 and cut her out of your lives. 