When she called the 800 number next to the charge she was told she had authorized it and there was nothing to be done about it. (The charge was for magazines ordered over the phone as explained to her by the rep). She spoke to 3 supervisors who all gave her the same exact speech as if reading a script. She got nothing resolved. She then called Cross Country Bank and they told her she had to make a formal inquiry with the company first, then she could dispute with them. She was then told the process would take 60-90 days and that there was no way to put a hold on the charge during the dispute. Since there are so many credit savvy people out there, does anyone have a suggestion? She can't close the account during an inquiry and I'm afraid that this "magazine" order is somehow linked to CCB as she paid the balance to $0 and was waiting for 1 more statement to be sure she didn't miss anything. Any help is greatly appreciated. Sincerly, Leamen PS- I appologize for the lengthy post as this is my first on any board. I hope to better phrase my thoughts in the future.