That’s not just rude—that’s financial abuse and likely fraud. You need to act quickly to protect yourself.
🚨 What to do immediately
1. Call your bank/credit card company NOW
- Report unauthorized charges
- Ask them to:
- Freeze or cancel your card
- Reverse transactions (chargeback)
- Most banks take fraud seriously, especially if you didn’t approve the use
2. Dispute every charge
- Clearly state: you did NOT authorize her or those purchases
- If she used your card without permission, it’s considered fraud in many cases
3. Change everything
- Online banking passwords
- Email passwords
- Any accounts linked to your card
4. Document evidence
Save:
- Messages or calls where she admits it
- Transaction alerts
- Dates, amounts, locations
5. Consider filing a police report
- This helps strengthen your fraud claim
- Especially important for large amounts like $35,000
6. Check how she got access
Ask yourself:
- Did she physically take your card?
- Did she have your details saved?
- Did someone share your information?
⚖️ Important reality
- If you gave her permission at any point, it becomes harder to dispute
- If you did NOT, you are strongly protected in most banking systems
💡 Key takeaway
You are not responsible for fraudulent charges—but you must report them quickly.
If you want, tell me your bank (no personal details), and I can guide you through exactly what to say to maximize your chances of getting the money back.
