<prompt> Human: I didnt know where else to post this, so I figured I would try hereI want to preface this by saying:1. I have never been locked out of my car before so I didnt know typical service charges2. This happened in California3. I used a debit card4. Yes, Im an idiotHow the scam happened:Begin StoryThursday January 21, I lose the car keys in the morning and spend the rest of the day looking for them. Being unable to find them, on Friday afternoon I Google Auto locksmith and come across united-locksmith.net. I put in an email request for a service call at 1:45 in the afternoon, from which they inform me that someone will contact me shortly. At 1:48 I am contacted by a private number, who informs me that he is the locksmith coming out to help, he tells me that hes on a call, but that he will come over as soon as he can to help me. At 2:44 in the afternoon I receive another call, from the gentleman informing me that he is arriving, and wants to know what parking lot to go to. After meeting me at the car, he introduces me to his assistant and asks me if the door is open, to which I tell him no, and he brings out the work order invoice and puts down 156 under the emergency homeauto lockout service charge. From here, he initially attempts to cut a key, tries it and it doesnt start the car. After this he tells me that the lock is electronic and it requires programming in order to work. For this he charges 587 under Original Keys. Going on he brings out an electronic device that he says he has to hook up to the ignition in order to get the correct codes, for this he charges 365 under the picking cylinderscode heading. He goes and cuts another key, which works this time. He then shows me the work order invoice to which he adds the 160 and 85 charges under the labor to install and the service call headings respectively. Being that I need my car in order to get to school, work, etc... I accept and sign the order invoice in both places he indicates. From here he brings out the point of sale, and asks for my card. He swipes it and then asks me to enter in my pin number, holding the point of sale terminal in such a way that it covers up the screen. I enter my pin number, press enter, and he says thank you. As Im walking back to go inside I realize that I hadnt received a copy of the invoice, so I flag him down before he drives off and ask for a copy, which he hands me, and I fold up and put in my wallet. From the call saying that he was arriving, to the charge on my card, was about 45 minutes. For which I was charged 1,963. After I am inside, I check my account via the Mint app, and notice that my account balanceavailable balance has dropped in half of what it was that morning from receiving a deposit from WORK. After having a mild heart attack upon confirming the charge on my MY BANK online account, I look at the invoice and notice the 610 that was not there before I signed the invoice. At this point, I look on the invoice and do not see any contact information, or any sort of companyindividual name by which to search. I then go back to united-locksmith.nets contact page, and request the information of the locksmith they sent out for my service while providing my name, number, and city. After this I look on the description of the charge from MY BANK and attempt to search for locksmiths, which doesnt yield me anything in the way of results. From here I contact MY BANK and put in an overcharge dispute on Friday afternoon, which is referred to their card investigations department. End StoryAs of 012716 after contacting my bank, they tell me that I am liable for the charges, even after I have articulated to them that I never agreed, discussed, or was aware of the 610 charge. After speaking with the card investigationsclaims department, they also informed me that they have done no investigation, and did not contact the merchant, so I have no way of knowing who came out to my car. Multiple attempts to contact united-locksmith.net both via phoneemail have gone unanswered. This means I cant file in small claims court as there is no one to have act as defendant and I cant contact the state AGBureau of consumer affairs because I cant tell them whowhat company I want to complain about. Is there anything I can do?  <response>: Sorry to hear it. It looks like you were well and truly screwed.Also, this is the biggest problem with debit cards. There is nobody between you and the merchant and once you put your pin in, the system assumes you personally approved the charge and it is difficultimpossible to prove otherwise.I NEVER use debit transactions for just this reason. My credit card company same as my bank cares about my continued business and will work to resolve problems.P.S. sorry for your problems. 