<prompt> Human: I am rebuilding my credit from my divorce and this is the last thing I need right now. Im actually getting serious depression from this.I originally had a 660 balance on my Credit One card, then whoever this is called into the credit card company impersonating me and posted a payment for that amount that bounced. But because the payment was scheduled but not fully cleared yet they were able to use the card to make a 505 purchase in at a Sams Club in Florida. I live in Kansas City MO 1000 miles away from there and dont have a Sams Club membership and havent for over 5 years.So now I have a bounced payment on my credit report I did not make and my credit card with a 700 limit has almost a 1200 balance Im not sure I can pay any time soon.I contacted the credit card company when I discovered this myself a week and a half later. They said they would investigate it and it would take 8-10 business days. They also froze my account for a couple of days but then unfroze it. There has been nothing but silence on their end since.The credit card companies time limit is up and I am going to call them but what do I say? I cant pay these charges that I did not make. The poor credit I have from a bankruptcy 5 years ago was just starting to improve and reach normal levels.What canshould I do? EDIT: Thank you everyone. I am going to try and get a copy of my statement and go file a police report today. Once that is done I will be contacting Credit One and demand to speak with their fraud department mentioned. I will not hang up until I have confirmation that the charges will be removed and they did send me a replacement card with a new number since at their suggestion I already destroyed the old one.EDIT 2: The police refused to make a police report because they said I need to make the report with the police department in the town this Sams was at. I contacted Credit One and spoke with a supervisor, they were unable to transferred me to their fraud dept. She said there is a note when I called in the first time and there was an investigation started two weeks ago and guaranteed I would not be responsible for these charges or interest. But she did tell me such an investigation normally takes between 60-90 days and that the earlier time table of 8-10 business days was vastly incorrect. She said it sometime only takes 30 days but usually longer.As a show of good faith I have made a 100 payment because she promised once these charges are corrected that will go to my actual balance, nearly double the minimum they were asking for. I will reserve myself from making larger payments until these charges are actually gone from my account in the next 60-90 days. After that yeah the balance on this card is going to go to 0 fast. Assistant: Did your CC company give you a temporary refund on the charges that were made or is your utilization through the roof now? When I disputed charges on my card I got a refund from the bank until the investigation was finished and I received a refund from the location where the purchases were made and then the bank re-placed the charges for a net 0.Do you have the ability to continue making payments and getting your balance to 0 from the original balance? You should only use 10 of your credit limit if possible. You can call and ask to see if they have made any headway with the investigation, but its possible they wont share anything except if you will be refunded or not at that time.Human: No there has been no refund and that is the problem. I am over my credit limit by almost double because of this. I discovered this and contacted them well within 30 days so they should have no excuses on that front. I do have the ability to pay the original 660 balance. I had some medical and divorce bills I had to pay and the credit card was the only option at the time. Otherwise I am only using the card for 10-20 a month just to show account activity. Indeed I discovered this when I went to drop a 200 payment on this card with the intention of having it paid off in the next 3 months. I did not make that payment yet though but it will be due in another two weeks. I seriously need that 505 refunded.Assistant: Do you mind if I ask what company your CC is with?Also, I think a payment of 200 in good faith to show them youre still paying your original balance and calling them to ask how the investigation is going and ask if they can give you a refund while the investigation is under way or at least an update. You could explain to them youre concerned about how your card is reporting to credit bureaus.Human: Credit One.I will try asking them those things when I call. Thank you.Assistant: Just as a side note, get out of credit one. Terrible customer service and website.Human: You dont have to tell me. The only reason I even have a card with them is because I was going to use it to purchase a PC I desperately needed and wound up financing it another way instead afterwards. If they stick me on the hook for this I will be closing the account and paying it off regardless of what it does to my credit.  <response>: Credit Card Loss or Fraudulent Charges Under the FCBA, your liability for unauthorized use of your credit card tops out at 50. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didnt authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use.They cant stick you on the hook, its against the law. 