Her card was hit with 1,700 unauthorized charges then the bank said she’d approved them Laura Grande Thu, July 2, 2026 at 3:00 AM PDT 6 min read voronaman/Shutterstock A Minnesota widow says she was left stunned after discovering her credit card had been hit with more than one thousand unauthorized transactions most of them small, repetitive charges that quietly accumulated over the span of just three days. "I thought the rules were that if it wasn't you, it wasn't you," said Lisa, 66, who asked that her last name not be used, in an interview (1) with The Washington Post. Must Read Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 6 ways to build wealth like a landlord without actually being one Robert Kiyosaki says this 1 asset will surge 400% in a year and begs investors not to miss this 'explosion' Millionaires under 43 hold only 25% of their wealth in stocks. Here's where their money is actually going What began as a single fraud alert quickly turned into a much larger dispute that stretched over months. By the time she pulled the full statements together, the scale of it became clearer. Her account showed more than 1,700 unauthorized charges, spread across 32 pages, most of them repeated transactions to the same vendor. What she didn't anticipate, however, was the prolonged back-and-forth with the bank over what actually happened on her account, and who should be responsible for reversing the transactions. A $2.19 alert that turned into nearly 1,700 charges Back in March, Lisa got a text from Citibank alerting her to a small suspicious charge: just $2.19 from Apple.com (2) on her Costco-branded Visa card. At the time, neither she nor the bank thought it was necessary to cancel the card. But over a three-day span that month, the activity escalated dramatically. In total, her statements later showed more than 1,700 unauthorized charges. The majority were for $4.38, with roughly a dozen smaller charges of $2.19, adding up to nearly $8,000 in disputed transactions. Citibank told her it was investigating. Apple, meanwhile, confirmed two legitimate purchases on the account, but had no record of the smaller transactions. Then came a letter from Citibank which said that, after reviewing the account, it had concluded she "provided the merchant(s) with [her] account information," and that the $7,816.65 in charges would "remain" on her account. Lisa pushed back immediately. "I called Citibank, explicitly stated that none of these hundreds of charges were mine, and spent over an hour with the fraud department representative," she told The Washington Post. "I live alone. I don't play games. There is no kid in my house downloading games." Story Continues Over time, she escalated the complaint to the Minnesota Attorney General's Office, the Consumer Financial Protection Bureau, and senior Citibank executives. She also kept detailed records of every call, including dates and the names of representatives she spoke with. Citibank later said its fraud team...
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