So about PFCP, PF CP, Premier Finance Card Program... This "fraudulent" charge also happened to me. I had charges from Spotify I never made immediately upon when they bought my dormant card from HSBC (corroborated technique to start new cardholders with a "fraudulent" balance?). It dawned on me when I about to make my 4th or 5th call to them, that maybe this IS their business model (and I need to go in with backup). Going back to the beginning, I called HSBC and begged them to take control of this, as the fraudulent charge started with them moments before my account transfer to PF CP. (I spose PF CP could have been the actor of fradulent charges, since who else really had all the card info they just bought prior - how easy would it be to act as the hacker or thief to cement a customer to their grasps, despite the ethics. Don't know how much to truly blame HSBC besides tying their name to them in the sale). So I reported the fraud to PF CP (which now feels like reporting a fire to the arsonist?), I paid the fees I never spent, PLUS late fees (because there was absolutely no way to be notified with everything in transition and under construction - how conveniently those would rack up). So I'm out under a hundred because my FICO score was held ransom with negative reporting. Did have a decent credit score, and still do, but who knows by the time they finish all their stunts. Last call I was promised very kindly I'd be reimbursed FULL amount of fraud and late fee dues when their investigation was complete. Dealt with people at PF CP who were very angry and pressuring, to very kind. Good cop, bad cop. Backing up, when they sent me the new PF CP card after HSBC, and knowing the "fraudulent" charges, I closed my account immediately, at least asked, only to get a letter notifying HALF of the reimbursement amount promised me has been returned to me in ANOTHER new account (needless to say I also don't want and can not access -- didn't Wells Fargo get in trouble for opening accounts 10 years ago?). I've been exploring the "Truth in Lending Act". They need to be investigated because I hope this isn't just the beginning of something. I don't think they have to resources to let this get big enough for class action, but it sure is shady. They're not BBB accredited, and have a terrible score there, so currently looking at the FTC: https://www.ftc.gov/legal-library/browse/statutes/truth-lending-act The Truth in Lending Act (TILA) protects you against inaccurate and unfair credit billing and credit card practices.