I had a charge from Central Coast Neutraceuticals show up on my bank statement (they have since been fined heavily by the Arizona Attorney General for fraud). I immediately reported this charge to the bank. They told me to send them a statement that "I did not authorize the charge, and my credit card has never been out of my possession", which I did. I received no reply, so after a couple of months, I called the bank and was then informed that I had not filed this statement ON THEIR FORM (which I had never received). They sent me the form, I submitted it and again waited. After receiving no response for another month or two, I called them again, only to be told that they paid the charge, as it had taken too long to process the complaint, and it was now outside their "statute of limitations".