<prompt> Human: Hello PF, I submitted a dispute for a purchase I did not authorize on my credit card. It was deemed my responsibility. The purchase was for an Xbox live game and originated in France in euros. The name and email address were not my own for the account, but the billing information was mine except for the country, France. Correct address and zip code for me on the states. I notified the credit card when I discovered the charge and indicated the card had never left my possession. The reason they are telling me it is my responsibility is because I never told them the card was lost or stolen. Again, I have had the card in my possession the whole time. I have yet to cancel this card number because I just initiated a refund from a merchant today and want it to arrive. Ill be closing the card and this relationship with the credit card issuer immediately. What recourse do I have? Edit: thanks all. I will cancel this card now. Had I know this at the time of dispute I would have done so then. Im shocked that citi would not prompt me to close the card once the dispute with reason the card had been in my possession was submitted. I am waiting on a call back from the fraud department. Edit 2: I was promised a callback within 24 hours...30 hours ago. :  <response>: Credit card fraud rep here. Disputing a transaction and reporting fraud are two completely different things in the credit card world. Disputing means you had given card information whether electronically or physically to a merchant to receive some sort of good or service, but the merchant failed to give you what you paid for. Fraud, on the other hand, is unauthorized use of your credit card information. This means you were never doing business with this merchant and your card information was not given willingly. THIS is what you want to report to the bank. You will have to close down the card and get a new one issued out, but the bank should be able to identify your claim in a short amount of time and issue you a credit. 