<prompt> Human: In December, my husband used his Capital One credit card to get gas from a Speedway. The amount was for 64.05. Life went on as usual. When it came time to pay bills, I checked the account and saw that the charge had gone through four times. We filed disputes for three of the four charges, and was refunded by Capital One for them, easy as pie.Except. Last week we got an account message from Capital One that read as such:On your 01132015 statement, a credit was issued to your account for 64.05. However, the merchant, SPEEDWAY 02383 WES, did resubmit the charge along with supporting documentation. Based on this evidence, unfortunately, we must re-bill the charge to your account. This adjustment will appear on your next monthly statement. We have sent you a letter along with the merchants supporting documentation. This letter also requests that you provide us with additional informationdocumentation to support your claim. If we dont receive your response by the date indicated, well consider your case closed.My husband called when we received this message to find out what the hell was going on, and the only information he could get from anybody is that we have to wait until the notice from Speedway comes in the mail. It hasnt come yet. What sort of supporting documentation could they have showing he got gas four times in one day, for the amount of 64.05 each time??And yesterday, we got that exact same notice two more times, presumably for the other two charges that were disputed and refunded.What proof do we have besides our Capital One account statement showing the four charges, and then the three charge backs? He bought the gas outside at the pump, and declined a receipt, so we dont even have that. If they do charge us back the 64.05 three times, that will put our card over the limit only 300, its his first credit card. Should we pay the card down to 0 to avoid that? If we dont, and they charge the purchases back, and it puts the card over the limit, are we liable for any fees it may incur?How do we even fight this? EDIT 5:23pI am going to be a bit red in the face posting this, but I think we have solved the mystery. A couple hours after I made this post, we got our mail, which included the letter from Capital One regarding Speedways proof of the transactions happening.They did happen.It just wasnt my husband. They were fraudulent charges made by someone using my husbands credit card numbers at a Speedway in Michigan we live in Indiana, buying cigarettes. When I initially asked him about the charges, he did say that he had gotten gas at Speedway, and he did, but it was a few days before these charges, so it went unnoticed by both of us. Now, we just have to prove he wasnt in Michigan on the 22nd of December...While I truly appreciate all the attention this post has gotten, from here on out, I think the problem is much easier to solve!  <response>: This is a great case for the Consumer Finance Protection Bureau. You can submit all this online, via the consumer.gov, and it will go to an Executive Customer Service from Capital One. You will almost certainly be treated well, and get your complaint heard by a person who can fix it. 