My credit card was lost and it was used to purchase goods several times. I called cs and disputed the unauthorized charges. they promised to investigate and give me credit for those charges. According their policy customer is not responsible for fraudulent charges. After the investigation I got a letter that the charges where legit and they will not give me credit. I called them at least 5 times to get an explanation about their decision. they promise to send a letter, but never did...what a treatment!