<prompt> Human: Recently a charge showed up on my credit card for about 423 that I never placed or authorized, it was from a Best Buy Marketplace seller for some component AV tower or somethingwhich I wouldnt even be able to have at my house. I disputed the claim and was reassured that the credit card company was working so hard on my behalf. About a week ago I was issued a refund for 278 and I called Wells Fargo and asked what to do about it and I was told to just wait. This morning I received an email saying the dispute was closed and Wells Fargo gave me another 9 or something but that I am now responsible for the 134 in shipping and handling which is obviously just ludicrous for something to be shipped in state and to deal directly with the merchant if I feel I deserve more back. I am a poor college kid who just started a new semester and dont have the money to pay for this or much time to deal with it. So far my only plan is to call Wells Fargo, tell them how much bullshit I think this is and that I wont be paying it, and to close my credit card if need be already closed my checking account there because I was tired of their BS. Anybody have any advice or better ideas? Appreciate it!Edit: I already put this in the comments but Im going to repost up here for visibility Hello all, just wanted to say thank you for all the advice! It has been a great help. Also I know how you folks love follow-ups so Ill enlighten you.I went up to the bank per some of your suggestions and talked to a banker. He put me on the phone with the credit card people which took a long time to get me nowhere to make a long story short. I was told I have to contact the Marketplace seller and see what they can do and if that fails then to re-open the dispute for the remaining money to that bankers credit he did say if neither the Marketplace seller or the re-opened dispute work he will escalate me to an executive team who will probably just want to smooth things over asap because 135 isnt shit to them like it is to me.So anyway the credit card people actually called Best Buy instead of the Market Place seller when they attempted a 3-way phone call when I was on the phone with them up at the bank I know the incompetence never ends so that was who I called when I got home thinking it was the Marketplace seller. Best Buy said to talk to the Marketplace seller too but if they dont help me to call them back as they have something they can do. As Im sure you can all guess by now I called the Marketplace seller and got told they cant do anything for me. I called back Best Buy and now they are apparently sending my case to their fraud department and Im supposed to go file a police report and send a letteremailfax with all the info I have on the case and the police report as well to the DMCA Agent at best buy. This seems so ridiculous to me.Edit: I forgot to add that the last best buy rep. I just got off the phone with pretty much told me that she can see information on her end that might indicate who caused this mess in the first place like the ones who made the purchase that the police may be able to get she put me on hold and talked to this best buy old-timer about it but she of course couldnt tell me because laws.Also, sorry If I shouldnt have put this update in a comment, I mostly just lurk round these parts.  <response>: Contact the credit card company again and state unequivocally that the charges are fraudulent and you refuse to pay unless they can provide a signed credit card charge with your signature. Be prepared to follow-up in writing. 