<prompt> Human: Long-time lurker, but I rarely post. Ill add more information as necessary and answer any questions I can, but here is the gist of it. nbsp;In my eyes, everything was going fine, then all of a sudden I learn that my father killed himself, he burned through his pension, savings, and tuition money set aside for my brother and sister. He had also opened up joint credit cards in my moms name in order to perpetuate his extravagent lifestyle, leaving her responsible for over 30,000. She never even knew about those cards, and my father forged her signature, so we were able to get that taken care of. nbsp;Now on to me. When I was 18 my father told me to sign a document so I could get a credit card. I asked him if I should read it, and he said no and explained it to me. SO I signed it stupid I know, but I was 18 and I thought he had my best financial interests at heart, he was a banker. This Chase Visa card I used rarely, maybe once or twice a month, and at the end of the month he would tell me how much I spent, and I would pay him cash. When I asked for statements or account access he would tell me not to worry about it. When I asked Chase if we could separate the account what I know now is a joint liabaility account several times in the past, they always told me I needed to visit a physical location and that we would both need to sign papers. When I asked my dad if we could do that he said it would be a waste of time and refused. I now see that this account type, discontinued in 2012 due to security concerns, is a financial abusers dream. I had absolutely no recourse because I was jointly liable but not authorized to conduct any account-related business. nbsp;When he dies I get access to the account and see my first statement ever. 3,000 in debt. After my mom gave me the statement and his account information after going through his files when he died, she let me know that there looked like some fraudulent Uber charges. All of our Uber accounts including my dads, I have his phone were connected to different cards. Turns out there was 2 years of Uber Fraud totaling almost 9,000. So it looks like my dad thought that was my brother or sister, and decided he couldnt get money out of them since they werent working yet. nbsp;Chase has denied my fraud claim because its been going on for too long, but I feel they didnt really look into my claim at all. The agent I spoke with said the majority of the claims were from Miami an adjacent city, but would not be able to provide any addresses of any trips. I do feel like they messed up in 2 big ways:nbsp;1 They enabled a financial abuser and prevented his victim from having any recourse.2 They are holding me liable for a debt which they never once communicated to me. I feel that liability without communication is ridiculous. nbsp;Uber is a nightmare to get in touch with, and I realize if Im not a large organization or have a lawyer, they will never respond to me about this. nbsp;Do I have any options? Recourse? I know its not a ton of money, but the thought of having to pay the fraudulent debt of my financial abuser after he killed himself makes me feel sick. Im not looking for a payout from the fraud that my dad paid off so far, I just want the slate wiped clean. nbsp;Sorry if I missed anything, theres a lot going on.Edit: Police Report cannot be filed without knowing the specific addresses of the fraud, and Uber wont provide that without screenshots, but I dont have access to the fraudulent account, only to the credit card statements. Looks like I need to work with an attorney if I decide to not settle it through Chase. nbsp;Edit2: To everyone saying he was using the card for Uber, I guess its possible, but I have his phone and his uber account, and his account was connected to his AMEX. nbsp;Edit3: I appreciate everyone lending me their time. It seems like the best course of action is for me to settle with Chase somehow, take this as a 3000 lesson, and maybe with the help of Uber identify later on if the charges were fraudulent and to pursue the perpetrator of the fraud if possible. Its getting really hard to reply and keep thinking about this, so I think Im going to take a break for while. Assistant: The problem youre going to have is that there are time limits on reporting credit card fraud. Generally, you need to report it within 1-2 statements. Human: I get that. I reported it within days of the first statement I was able to look at, but technically it has been a long time. Thanks for your response. Am I still able to go after the perpetrator of the fraud? Is there a time limit on that?  <response>: First off, I know this is can be a difficult situation to deal with and for that I am sorry. Just something to add to this: there are time limits and restrictions to when you become aware of the fraud. So while you did report it as soon as you became aware, there was other ways someone was made aware, unfortunately this wasnt you. While I cant speak to their specific terms and conditions, I can say this, the statement itself becomes part of the aware part. Say something goes through on May 1st, your statement come out June 1st just for arguments sake, often times you have 30 days to review that statement up to July 1st in this case. After that the matter is considered settled. There are different circumstances to consider and I am giving you an example of the user agreement from where I am employed. If you are talking about years of fraud, it is going to be hard to make a claim against that. Source: long time credit union employee.Good luck to you in this matter. 