As you may know, I am a victim of identity theft. I have called and called and called this merchant SEVERAL times. Every time I call, the hold time is at least a half hour to an hour. I keep getting different answers/responses and keep getting transferred around to different departments. I also end up speaking to someone who has terrible XXXX, which makes me feel that my issue is n't being reported/handled correctly since they can not understand me well. This card was opened in my name about three years ago without my permission. I call every couple months to see what the status is. I do not know what is going on or what the status is, but they are somehow not correctly or effortly assisting me with this. I called and disputed charges in the mean time as fraud since it is more difficult to have this credit card removed from my name. While I am waiting, there is still more and more charges occuring. Luckily, the bank has shut down the card about 10 months ago. Although somehow there are a couple of merchants still being able to charge my card. I have called a few months ago and advised them that I recently noticed an unauthorized large payment ( approx. {$9700.00} ) come out XXXX of my bank accounts. They still have not returned this money to me! How can a payment be taken out of my bank account when it is closed and the card was opened it without my permission? Furthermore, there was checking accounts that was opened with this bank in my name also without my permission and they 're now overdrawn. I reported that to them and they denied it. I am getting very upset because this is not my account and money was taken out of my checking account. The bank also contacted me asking me if I was trying to access my account at a time that I was n't, hence how I know someone is stealing my identity. I can not even access my account online to see anything. PLEASE RESOLVE THIS! Sadly, I can only trust my government more than my bank. This is not 0 % fraud liability as they always say!!! 
