I have yet to figure out why the VICTIM is ALWAYS the one who has to pay - with time, money, etc
We had fraudulent charges show up on a CLOSED credit card. Never received one single bill - yet when it was sold to a collection agency they didn't have a speck of trouble finding us!
We never did find out what the deal was until we got a lawyer involved - and that was against the law, YOU are always supposed to be told what is going on.
Had to get a lawyer, he writes and calls and says the EXACT same things we had said and written... very irritating.