Do not assume the word “authorized” answers the question.
The company may be relying on technical information about how the transaction was processed, authenticated, or connected to your account. Those facts may be relevant, but they do not necessarily establish that you personally made or approved the purchase.
If you know you did not authorize the charge, the important question becomes why the company concluded that you did.
I discuss that distinction in “These Credit Card Charges Aren’t Mine. Why Was I Denied?”:
https://www.cardozalawcorp.com/blog/these-credit-card-charges-aren-t-mine-why-was-i-denied-.cfm
If the company is holding you responsible for charges you know you did not authorize, call us, chat with us, or select Identity Theft on the contact form.
