My son's credit card was used by someone else, and ultimately stolen, in S Korea where he was teaching English. As soon as he called to tell me the card was missing, I checked online and discovered it was 50% beyond the limit. When I called to report the card stolen and asked about this, the representative replied that they sometimes let them go beyond the limit. During subsequent calls, I got other explanations (it's been over the limit before; it has not been as it is paid off every month), but never one that made much sense as one big charge did not put it over. There were more than three pages of charges after the limit was reached (the statement had 18 pages). I never got an explanation as to why I was never called about a possible problem (the company had previously called several times to question charges) when the charges were far in excess of previous bills and some specific charges ($168.76 posted three times over two days from one establishment) were highly suspicious. While the card company, Bank of America, acknowledged there was some fraud (requested receipts had signatures that were not his), they were not convinced many of the charges we said were fraud actually were. I told them the only way we could be sure of the ownership of these charges was to request receipts as many of the names of the establishments in Korea posted under other names on their statement, and we could not be certain which were ours. They consistently refused to do this due to the large number of charges. After several weeks they told me they had receipts with his signature on two of the larger charges, totaling about $2500, from an establishment he had visited several months before and to which he had not returned. At that point they credited back about half of the balance stating this was primarily because of our number of years and previous good record with the company. When they finally sent the receipts their representative had maintained my son had signed, I immediately determined they had confused the ones that were signed by him several months ago, and had also been requested, with the recent ones which did not have his signature. Granted, these are in a language the representative can not read; however, the dates can easily be determined by the credit card company's own numbers on their statement in addition to the dates (about the only thing I could read) on the reciepts. I would like to have gotten these receipts earlier; they had them for several weeks, telling me he had signed them, and would like them to have handled this in a more satisfactory manner from the beginning. This is still not settled and whatever the final result, I will be cancelling this card and moving our checking and savings accounts from Bank of America. Just because the credit card company's message says you are not responsible for fradulent charges,doesn't mean you ultimately won't be held responsible.