<prompt> Human: So my grandmother helped me pay odd my credit cards and recently we had a fall out and just two days ago I get an email about how all of my credit cards are now over the limit and have to pay them again. She apparently called her bank and told them that she didnt authorize the payments and the bank returned that money to her account. So now my cards are maxed out or have some amount on them. What can I do? Do I dispute? Does that mess up my credit score even more? How do I approach the matter? How can the bank even do that if its been more than a month?  <response>: You can sue her for making a fraudulent claim to the bank, but that costs money, and it would be difficult to prove. 