This post at the Consumerist blog is a worthwhile read. Brandon's story highlights how a company can harass an identity theft victim instead of working with the victim to resolve the fraud. Brandon's story:
"In January 2007, I was traveling in Mexico and was mugged, having my wallet and passport stolen. By the time I got back to the hotel and began calling my credit card companies to cancel, the criminal had charged close to $3,000 on my CHASE Circuit City Visa card. I explained to CHASE that the charges were fraud, and they sent me a fraudulent charge affidavit to complete and have notarized. As I couldn't take care of this until I returned from my trip, and had more important things like a passport to worry about, I waited a few weeks before completing the paperwork and during those weeks received those weeks received about 2 calls a day from CHASE urging me to send the documents."
According to the post, Brandon did a lot of things correctly. He completed the necessary documents and communicated with Chase in writing. The post includes a copy of Brandon's correspondence. But, Chase continued harass him for payment.
The best advice (from the Consumerist) is at the end of the post:
"You called and reported the fraud the day of, and yet they're still trying to collect. Under federal law, you have no responsibility for unauthorized charges after reporting loss or theft of a credit card. That you waited a few weeks to send in the papers doesn't matter. Worst case scenario, your maximum liability is $50. Have you sent them a "drop-dead" letter? Or a letter of dispute? Include the information in the preceding paragraph in your letter. You could also try kicking it up to Chase executive customer service: 1-888-622-7547 - extension 4350 or 847-488-6833, or 888-622-7547 x 6833."