<prompt> Human: UPDATE: I called Chase and they were able to refund the charges as well as cancel both accounts and ship out new cards. Thank you to everyone for your advice and support, it gave me the courage needed to call them to begin with!Sometime in JulyAugust, my husbands credit card showed a charge of appx. 60 made at a Walgreens in Orlando, FL. We lived in Orlando for a year, but moved in April and weve been traveling around the country since, and havent been back. He did not losehave his card stolen at any time, the card has always been in his possession.I wasnt able to dispute the charge immediately it didnt allow me to do so via the online system, but did so a few weeks later.I received a letter in the mail about 2 weeks ago stating that they contacted the merchant where the purchase was made, and provided the paperwork showing the details of the purchase two boxes of cigarettes and a corkscrew, seriously and a signature that is most definitely not my husbands.They have stated that because the card was not reported as lost or stolen, that the charge will remain on the card and will not be refunded. I believe our card was probably skimmed it happened with another one of our credit cards, also in Orlando, which were also waiting to hear back from Chase on, so TECHNICALLY no, the card was not lost or stolen.This seems to be some sort of grey area that Chase wont acknowledge. I want to call them to try and resolve it, but do I stand a fighting chance? The only thing I could imagine doing would be to show credit card statements from the same time period, showing that we were nowhere near Orlando, possibly with a copy of my husbands signature though I dont think that carries any weight.I know 60 isnt a lot, but its incredibly frustrating, especially since our other credit card was also skimmed while in Orlando a bunch of purchases made in 1 day and then never again, and were still waiting on them regarding that dispute. Meanwhile, on the road when we actually make legitimate 20 and under purchases, holds keep getting placed because they think they might be fraudulent...but not when the card randomly gets used to buy a butt-ton of liquor and designer clothing from a place we havent been anywhere near in months.Since we still have our cards in our possession, should we simply report these cards as loststolen if the info was skimmed? Since those two times, theyve never been used again. And again, if I call to dispute my husbands card further, do I have any chance of having the charges refunded?  <response>: Call Chase, tell them that based on what they sent you, the card has been skimmed aka stolen and you want all of your cards with them replaced immediately. Tell them you continue to dispute the charge for the exact reasons youve listed here: you were not in the area of the charge, and the signature does not match. Any time your card is used without your permission, report it loststolen, even if the thief does not have your physical card. As you say, skimming and replicating cards is common, and it is no less theft. If they still wont respond and want you to pay the charge, try filing a complaint with the CFPB. Im sure Chase is taking this tack because if you dont say the card was stolen, theres the possibility that you gave it to someone it would then be your responsibility to deal with any charges they make, but thats not the case here, so clarify that for them. 