I was pickpocketed in Spain and reported this to Chase on the same day, receiving an acknowledgement. I never made any purchases or withdrawals on the credit card (Chase IHG) there. Two months later, Chase claims that I owe them over $2,200 for charges (bank withdrawals, they say) made to their credit card. I was referred to their "fraud unit" and received an explanation that they could not figure out how the charges were approved without a PIN number, so they say I am liable. I disputed the charges with a certified letter to Chase, which got forwarded to the same "fraud unit", followed by another demanding phone call from the same "fraud unit", repeating the same reason as before--clearly a read-from-a-script text. Since I've never had to deal with anything like this before, I am overwhelmed by this demand. Is there any possible relief or avenue of appeal from this arbitrary decision?