<prompt> Human: So late last month I got a call from Chase about four separate cash back charges of 100.84 all on the same day. They asked if I was responsible and I told them no. The person on the phone said they would file a claim and reverse the charges asap. I asked the lady how this could have happened since I still have the card in my possession and she explains that people have a way of getting fake cards that make it seem like someone elses dont know if this is actually true. And since walmart doesnt require a pin to run debit its easy money. The charges are reversed. All is good. Then a week and half go by and they reinstated the charges saying that the claims department did their investigation and they determined the charges were valid. So I call them and chase tells me that they deemed the charges valid because Ive shopped at walmart. Meanwhile, the description of the four charges are all different from the actual real charges Ive made at walmart. All the real charges just say Wal-Mart 0000, fake charges have a completely different description. The manager on the phone says hell resubmit the claim since it seemed odd that it got reversed in the first place.I then receive yet another letter stating they wont reinstate the claim. I call yet again and they said the only way theyll reimburse me is if I provide legal documentation stating that it wasnt me who made the charges. What do I do? I dont have a store number so I dont even know what walmart to go to as mentioned previously it has a different description as the real charges. All I have is what seems to be a transaction number. Its just all so ironic since they were the ones who pointed it out to me in the first place.  <response>: The best advice I can really give is keep calling and escalating up to supervisors. See if you can find out the time and dates of these transactions and provide proof that you were somewhere else at the time and so couldnt have made the transactions. If that doesnt work, you can consider filing a complaint with the CFPB. To help avoid issues like these in the future, you should make all purchases on your credit cards. Credit cards have vastly superior fraud protections compared to debit cards because its the banks money that was stolen, and they care much more about getting that back than your money out of your checking account. It also means you have access to all of your money and it isnt tied up while you wait for a resolution. The only time you should ever use your debit card is to withdraw cash at an ATM. 