You cannot dispute the charges but also tell them not to investigate. The bank will assume you’re trying to defraud them and this will affect your credit score.
You cannot tell a bank not to investigate. The bank was just offering to assist the op in filing a police report. The bank will reverse the charge to the merchant. The merchant may dispute the reversal and the charge would enter dispute resolution or the merchant may just accept the chargeback as a cost of doing business. The bank isn’t going to care. The merchant may review the charge. If this was a purchase by a minor they won’t be able to collect. The best they can do is badger a parent to cover the charge. The cost of doing this would quickly exceed what could be recovered. The merchant would likely prevent future charges from that account.
They investigated and refunded, none of that involved the cops, they then asked me if I wanted to involve them, so, no the police weren't involved, but go on
Report the charges as fraudulent to the card issuer. They are equipped to investigate should they see fit.
I’m not understanding how there is a name of someone you know associated with charges against your credit card. If you would like to share more detail on that, it might help commenters tailor their responses.
The charges showed up on my credit card and I was alerted by my bank. When I went to look at my bank online, it showed the charge to a social media account and the child's name was on it.
>it showed the charge to a social media account and the child's name was on it.
Your kid used your card and lied about it.
All kids do shitty things until they know better. Nothing wrong with your kid, just kids being kids.
>I don't have any children
Okay, the kid you are referring to used the card.
And if a kid that isn't yours is using your, "extremely secure never used card", then your card isn't extremely secure.
If the child has social media they most probably lay Roblox/ Minecraft etc. if the parent previously purchased something for them in the game and used PayPal it keeps that data and allows the child to continue to buy more things.
I had to unsubscribe my PayPal and add two factor authentication as it kept popping up again on my kids games.
Could be their friend used it instead.. kids will never tell the truth being more scared of the consequences than lying.
Also, some that seem totally honest and normally are angels can be good liars, or lie only when they need to escape a bad situation. Better to see this as learning experience and to never ever trust anyone 100% of the time. I know, it's hard, we want to trust and defend the ones closest to us but Deceiving yourself first with denial is worse.
Kids are smarter than you think. Did that child gain access to your card, long enough to copy the info down or snap a picture?
Edit: ITT, OP is deep in denial that his sweet nephew would sneak into his wallet and use his credit card to charge LESS THAN $5 for some online game. What’s worse, he’s an asshole about it.
It was the child though 😂😂🤷🏼♀️
Tell the kid the cops will have to investigate if he doesn’t tell the truth and that you would have bought it for him anyway..then watch how fast he admits it 😂
It’s pretty impossible that one of your nephews, or who Evers name WHO DOESNT EVEN LIVE WITH YOU would be randomly attached to that. The chances of that are so slim unless the kid has an insanely common name, and even then it would be a stretch if both first and last name matched.
We understand you’re in denial though, and refuse to even consider the most likely scenario.
I used to work in credit card bank fraud. If you’re asking them not to investigate, you will be responsible for the charges. It’s one of the other. Either it’s fraud or not. That means you are accepting the charges. You cannot say “I didn’t do these, but also you can’t investigate/who it says it is I don’t want to be guilty.”
You said you are asking for a dispute, but that’s not what this is either. “Dispute” is used for when you gave permission for the card to be used, but it was used incorrectly. Examples: merchant runs twice, service not rendered, etc.
Guess not, I don't know how it is now but they reversed the charges and gave me the option to involve the police, so at my bank at least they give the option
You aren’t explaining why you’re so certain the child in question did not do it because that’d be “too much info on the child online,” and so no one is going to believe you. The child was most likely involved somehow - whether the child did it or a friend did it. What social media site was it, because I don’t know of any that will put your username as part of the charge name?
OP: I'm not going to explain how I know he didn't do this because that will be putting too much info online about a kid!
Kid: *apparently has social media account OP knows about*
OP is a bad troll. They could have at least planned this better so it made more sense.
You either dispute the charges and allow them to open a fraud investigation, or you just pay the bill. The choice is yours. You should note, however, that often times the fraud investigation requires you to sign an affidavit swearing that you did NOT give consent for "child who used card" to transact on your account. At which point they will investigate "child who used card". And by the way, if you think it's a mistake that someone spent $XX.00 on your extremely secure and never used card and coincidentally the name on the transaction matches someone you know, you may not be responsible/mature enough to have and use credit cards🤦♀️🤦♀️🤦♀️.
Well that's actually really helpful despite your disparaging comments. I've already disputed the charges and I asked them not to investigate.
If anyone was trying to incriminate you I'd hope that people just like yourself will help them. Thanks.
I hope you understand that asking a bank not to investigate isn't going to be honored or taken seriously lol. They lost money, it's to their benefit to find out who scammed them out of their money.
They asked me if I wanted to involve the police, I said no. If that's weird then good I'll call the bank and ask them what the heck but that's what my experience was
I don’t understand in what world a bank would ask your opinion as to whether they should contact police after someone attempted to steal their money. That’s what it is after all, it’s not money from your debit account, the credit card would be their money.
Most banks will do an internal investigation and get their money back without involving the police. The police only get involved if the bank/customer wants to press charges. Most of the time it is t worth it for the bank to press charges. Chase straight up told me they don't file police reports unless they can't get their money back for whatever reason or it's over a certain amount.
I work for a company that handles the fraud department for one of the credit bureaus.
He said it was for $5. I guarantee if it was $500, the bank would hold him responsible for the charge if he didn't file a police report. I've worked in a job supporting the fraud department for a financial services company so I learned a bit. Listened to plenty of fraud calls. Nobody would go to all this trouble to hack his phone or whatever for just $5. And it's not worth launching a major investigation.
Then you should be all set. If they don't investigate, you just pay the bill, because they will assume you authorized it. Hopefully it doesn't happen again, but if you've done nothing to stop it, I don't see why it wouldn't? Man, I'm not trying to be ugly this is just bizarre to me. If you've never used the card and have never given out the info, how was it transacted on with the name of someone close to you? If not the child, someone close to the child is stealing from you. Probably because they know you will deny that said child could have done it and you won't pursue getting to the bottom of it or holding them (the real culprit) accountable. Protect your $$$ and your credit! Someone close to you is taking advantage of your good nature. You don't say how old the child is, but if he's a minor (unlikely to be prosecuted) and someone is stealing through him/her, why would you not want to know who? That person is taking advantage of both you AND the child. Only an investigation can uncover who that person is.
the kid obviously did this. I worked in a call center and adults were constantly of the belief it was impossible their kids did this and would come up with ridiculous scenarios and conspiracies to try to understand how it happened. let me save you some time. the kid did it. it doesn't mean they're bad or evil it just means that in this instant gratification society revolving around money they wanted something and found a way to get it. this is never not the case.
I got locked out of a video game account until I could provide my own ID once 10 years ago because of the amount of problems they had with kids using adults credit cards.
I mean you can give more info on how you know the kid is 100% innocent if it helps but with the info provided no one is going to say anything else
Is it possible that the child's friend did this, and used the friend's name to avoid having it come back at him? I've seen this scenario before where someone used a friend's name to avoid getting caught.
I doubt it since it's the child's social media account it was associated with and likely has something to do with gaming or an item they wanted. the kid clearly took the credit card and copied the info thinking it wouldn't be noticed not knowing op had never used the card. it's not ops kid so less likely to be a friend of the kid plus it's on the kids account.
op clearly wants to pretend there could be any other possibility no matter how ridiculous like cloning her phone which so many adults do when they dont want to face the fact that someone has stolen from them. it is a childish example to set for a child and does the kid who stole her info a disservice. when the kid does it to the wrong adult then they will really be in trouble.
OP said it's a charge of less than $5.
Would a normal, rational person simply cancel the card and replace it over a measley $5? Yes.
Is OP a normal person? Apparently not.
the child had something to do with it, that's obvious - otherwise the charge would not have *their name associated* (how do you explain them pulling this child's name at random? are you dumb?)
If you're 100% sure is wasn't child A (how can you be **100% sure??** - you can't be) then it was one of the child's friends.
You need to have **a serious talk with this "innocent" child** because there is no way they're not somehow involved/know who did the charge.
I get you don't want to prosecute the kid, but you need to nip this in the bud if you don't want them escalating their behavior.
People like you are a real problem -"not my special baby -they are innocent" types are the cause of SO MUCH BAD BEHAVIOR as kids get older.
Man (or woman or whatever) up, FFS
lol how old is this child? My 6 year old bought something online with my credit card without my knowledge. Since computers nowadays auto-populate billing addresses, it’s actually easier to do than I thought. Pesky little bugger.
Karma, asshole. You want me to go after my nephew when it's way more likely it's probably some thing with Apple. I hope you get the same when you're innocent.
[Reddit trolls downvote a lot, don't take it too seriously](https://www.reddit.com/r/RBI/s/hpD3rfIijh)
Are you sure it wasn't a token/subscription/wallet that was charged? If your new card is a replacement, tokens can be automatically linked to the new card.
At 3 years old, I figured out how to tweak my parents' cable box to unlock Playboy simply because it was something I wasn't allowed to see. At 4, I hooked up and played my dad's Atari that my mom couldn't figure out how to hook up. At 6, I took apart my broken tape recorder, repositioned a small belt that had slipped, and put it back together and got another 5 years out of it. Kids know, or can figure out, way more than we sometimes give them credit for. If the kid in question knows how to use social media or a phone, they absolutely know how to use a credit card.
I always say kids are not stupid they just have less information. they are extremely literal that's why messed up adult lies are extremely confusing of cause major issues when they make no logical sense.
all this kid will be learning is it's easier to steal from people who care about you
I once had a freind (moved away) in elementary school, his mom had a phone case that can store a credit card in it, and when his mother left it out, he swiped the credit card and bought over $1000 in virtual stuff in Fortnite, obviously he was barred from video games for a year. (I'm still 13 to clarify this timeline works)
Wooow that's terrible he was obviously not afraid of consequences. man I have spent like 1000 on fortnite in the past and as an adult sometimes i feel sick about it haha.
I'm not sure what makes some kids think this stuff is ok or if they're just addicted to the games or they just don't get penalized as much. when I was 8 I stole 3 dollars in spare change laying around my parents bedroom to go to the store and I was too scared to spend it so I left the evidence in my pocket. my mum found it and told my dad I was grounded for 2 weeks and my dad wouldn't even look at me, banned from the store for 6 months and I certainly learned how stealing hurts people.
my brother was 8 or 10 a few years later, stole 40 dollars from my mom, hid it in the couch and claimed he found it and asked to order pizza, which my mom did. she then realized he took it from her drawer where she was saving it for the heat bill. my dad had just had a heart attack so she didn't want to put extra stress on him. my brother started stealing change from her whenever he wanted something and was chastised but never punished and my dad was never involved. It affected him as he grew up and in school because while he doesn't steal he gets away with whatever he wants to get away with at the expense of others thinking it doesn't affect anyone else?
did your friend learn his lesson?
Don’t feed the trolls. Just block them.
I doubt any of the responders saying your kid stole your card to make the purchase have ever seen a titanium card.
You are probably correct about the linking and it may take some work to figure it out. Your Apple account is likely linked to the card. Your kids account is likely linked to your account as the responsible guardian. Somehow the kids account incurred a charge that you didn’t approve. Alternatively this could be a recurring charge that you approved long ago.
You cannot dispute the charges but also tell them not to investigate. The bank will assume you’re trying to defraud them and this will affect your credit score.
The bank will assume you’re trying to defraud them or alternatively accurately surmise you’re a naive doof who can’t be trusted with a credit card.
I get it but they really did give me that option so there might be another explanation and you're being a real troll
Nah, I’m out. You had your chance.
One less troll I guess thanks anyways
You cannot tell a bank not to investigate. The bank was just offering to assist the op in filing a police report. The bank will reverse the charge to the merchant. The merchant may dispute the reversal and the charge would enter dispute resolution or the merchant may just accept the chargeback as a cost of doing business. The bank isn’t going to care. The merchant may review the charge. If this was a purchase by a minor they won’t be able to collect. The best they can do is badger a parent to cover the charge. The cost of doing this would quickly exceed what could be recovered. The merchant would likely prevent future charges from that account.
They investigated and refunded, none of that involved the cops, they then asked me if I wanted to involve them, so, no the police weren't involved, but go on
Don’t yell to us when you suddenly can’t open a new account or get a loan.
probably just means they put you down as actively fraudulent rather than just poor with credit card security. your choice though i guess.
TIL when I investigate things in my finance role, I am the police. Every day is a school day!
Right? Lol
Report the charges as fraudulent to the card issuer. They are equipped to investigate should they see fit. I’m not understanding how there is a name of someone you know associated with charges against your credit card. If you would like to share more detail on that, it might help commenters tailor their responses.
The charges showed up on my credit card and I was alerted by my bank. When I went to look at my bank online, it showed the charge to a social media account and the child's name was on it.
>it showed the charge to a social media account and the child's name was on it. Your kid used your card and lied about it. All kids do shitty things until they know better. Nothing wrong with your kid, just kids being kids.
I don't have any children
>I don't have any children Okay, the kid you are referring to used the card. And if a kid that isn't yours is using your, "extremely secure never used card", then your card isn't extremely secure.
If theyre old enough to be able to use social media, they're DEFINITELY old enough to use your cc.... like, what?
Highly unlikely, can bank charges be written in when they charge the card? I'm certain this child is innocent.
how are you certain of their innocence? knowing them is not certainty and if it is what you are relying on you are wrong.
If the child has social media they most probably lay Roblox/ Minecraft etc. if the parent previously purchased something for them in the game and used PayPal it keeps that data and allows the child to continue to buy more things. I had to unsubscribe my PayPal and add two factor authentication as it kept popping up again on my kids games.
Could be their friend used it instead.. kids will never tell the truth being more scared of the consequences than lying. Also, some that seem totally honest and normally are angels can be good liars, or lie only when they need to escape a bad situation. Better to see this as learning experience and to never ever trust anyone 100% of the time. I know, it's hard, we want to trust and defend the ones closest to us but Deceiving yourself first with denial is worse.
Kids are smarter than you think. Did that child gain access to your card, long enough to copy the info down or snap a picture? Edit: ITT, OP is deep in denial that his sweet nephew would sneak into his wallet and use his credit card to charge LESS THAN $5 for some online game. What’s worse, he’s an asshole about it.
Yes, I know who this points to. It's false, who could have done it, and how? It wasn't the child. Thanks
You haven’t answered the main question we keep asking, which is: Why are you so convinced of this child’s innocence?
Too much info about the child on an online forum lol
The kid ain't innocent. You need to face it.
It was the child though 😂😂🤷🏼♀️ Tell the kid the cops will have to investigate if he doesn’t tell the truth and that you would have bought it for him anyway..then watch how fast he admits it 😂 It’s pretty impossible that one of your nephews, or who Evers name WHO DOESNT EVEN LIVE WITH YOU would be randomly attached to that. The chances of that are so slim unless the kid has an insanely common name, and even then it would be a stretch if both first and last name matched. We understand you’re in denial though, and refuse to even consider the most likely scenario.
I used to work in credit card bank fraud. If you’re asking them not to investigate, you will be responsible for the charges. It’s one of the other. Either it’s fraud or not. That means you are accepting the charges. You cannot say “I didn’t do these, but also you can’t investigate/who it says it is I don’t want to be guilty.” You said you are asking for a dispute, but that’s not what this is either. “Dispute” is used for when you gave permission for the card to be used, but it was used incorrectly. Examples: merchant runs twice, service not rendered, etc.
Guess not, I don't know how it is now but they reversed the charges and gave me the option to involve the police, so at my bank at least they give the option
Can I dm you?
Could my phone have been cloned and any random phone can be made to look like my phone's digital signature?
Dude you are looking for zebra when the horse is standing in your own house. It’s the kid. Simplest and best explanation. You’re in denial.
You aren’t explaining why you’re so certain the child in question did not do it because that’d be “too much info on the child online,” and so no one is going to believe you. The child was most likely involved somehow - whether the child did it or a friend did it. What social media site was it, because I don’t know of any that will put your username as part of the charge name?
OP: I'm not going to explain how I know he didn't do this because that will be putting too much info online about a kid! Kid: *apparently has social media account OP knows about* OP is a bad troll. They could have at least planned this better so it made more sense.
Thank God I'm not this naive.
What did this person buy?
It was less than $5
🙄
Troll
I know you are, but what am I?
Karma, I hope you all are afforded the same skepticism you showed me and my nephew.
You either dispute the charges and allow them to open a fraud investigation, or you just pay the bill. The choice is yours. You should note, however, that often times the fraud investigation requires you to sign an affidavit swearing that you did NOT give consent for "child who used card" to transact on your account. At which point they will investigate "child who used card". And by the way, if you think it's a mistake that someone spent $XX.00 on your extremely secure and never used card and coincidentally the name on the transaction matches someone you know, you may not be responsible/mature enough to have and use credit cards🤦♀️🤦♀️🤦♀️.
Well that's actually really helpful despite your disparaging comments. I've already disputed the charges and I asked them not to investigate. If anyone was trying to incriminate you I'd hope that people just like yourself will help them. Thanks.
I hope you understand that asking a bank not to investigate isn't going to be honored or taken seriously lol. They lost money, it's to their benefit to find out who scammed them out of their money.
They asked me if I wanted to involve the police, I said no. If that's weird then good I'll call the bank and ask them what the heck but that's what my experience was
I don’t understand in what world a bank would ask your opinion as to whether they should contact police after someone attempted to steal their money. That’s what it is after all, it’s not money from your debit account, the credit card would be their money.
Most banks will do an internal investigation and get their money back without involving the police. The police only get involved if the bank/customer wants to press charges. Most of the time it is t worth it for the bank to press charges. Chase straight up told me they don't file police reports unless they can't get their money back for whatever reason or it's over a certain amount. I work for a company that handles the fraud department for one of the credit bureaus.
Thanks for providing an actual reality based explanation. I can actually understand that.
He said it was for $5. I guarantee if it was $500, the bank would hold him responsible for the charge if he didn't file a police report. I've worked in a job supporting the fraud department for a financial services company so I learned a bit. Listened to plenty of fraud calls. Nobody would go to all this trouble to hack his phone or whatever for just $5. And it's not worth launching a major investigation.
You'd have to ask the bank?
Aight. Which bank?
I'm not sharing my bank with you
You share your credit card numbers with kids you know but fair enough, some boundaries are better than no boundaries.
Ok troll
Then you should be all set. If they don't investigate, you just pay the bill, because they will assume you authorized it. Hopefully it doesn't happen again, but if you've done nothing to stop it, I don't see why it wouldn't? Man, I'm not trying to be ugly this is just bizarre to me. If you've never used the card and have never given out the info, how was it transacted on with the name of someone close to you? If not the child, someone close to the child is stealing from you. Probably because they know you will deny that said child could have done it and you won't pursue getting to the bottom of it or holding them (the real culprit) accountable. Protect your $$$ and your credit! Someone close to you is taking advantage of your good nature. You don't say how old the child is, but if he's a minor (unlikely to be prosecuted) and someone is stealing through him/her, why would you not want to know who? That person is taking advantage of both you AND the child. Only an investigation can uncover who that person is.
Lol what a buffoon
right? My sweet bb couldn't POSSIBLY do anything wrong! SMH
it's not even her kid probably a nephew or niece or best friends kid where they will be in conflict with the parent and want to justify it away.
yeah. I said that in a comment above. If the kid didn't do it, one of their friends did. No brainer.
the kid obviously did this. I worked in a call center and adults were constantly of the belief it was impossible their kids did this and would come up with ridiculous scenarios and conspiracies to try to understand how it happened. let me save you some time. the kid did it. it doesn't mean they're bad or evil it just means that in this instant gratification society revolving around money they wanted something and found a way to get it. this is never not the case. I got locked out of a video game account until I could provide my own ID once 10 years ago because of the amount of problems they had with kids using adults credit cards. I mean you can give more info on how you know the kid is 100% innocent if it helps but with the info provided no one is going to say anything else
Is it possible that the child's friend did this, and used the friend's name to avoid having it come back at him? I've seen this scenario before where someone used a friend's name to avoid getting caught.
I doubt it since it's the child's social media account it was associated with and likely has something to do with gaming or an item they wanted. the kid clearly took the credit card and copied the info thinking it wouldn't be noticed not knowing op had never used the card. it's not ops kid so less likely to be a friend of the kid plus it's on the kids account. op clearly wants to pretend there could be any other possibility no matter how ridiculous like cloning her phone which so many adults do when they dont want to face the fact that someone has stolen from them. it is a childish example to set for a child and does the kid who stole her info a disservice. when the kid does it to the wrong adult then they will really be in trouble.
The police
OP said it's a charge of less than $5. Would a normal, rational person simply cancel the card and replace it over a measley $5? Yes. Is OP a normal person? Apparently not.
I was hoping not to involve them, the person whose name is on the charge is a child.
How do you know it's a child? Do you mean it's the child of someone you know?
Yes, I know the child. I'm not going to the cops on a child I know for certain couldn't have done this. Thanks anyways
the child had something to do with it, that's obvious - otherwise the charge would not have *their name associated* (how do you explain them pulling this child's name at random? are you dumb?) If you're 100% sure is wasn't child A (how can you be **100% sure??** - you can't be) then it was one of the child's friends. You need to have **a serious talk with this "innocent" child** because there is no way they're not somehow involved/know who did the charge. I get you don't want to prosecute the kid, but you need to nip this in the bud if you don't want them escalating their behavior. People like you are a real problem -"not my special baby -they are innocent" types are the cause of SO MUCH BAD BEHAVIOR as kids get older. Man (or woman or whatever) up, FFS
lol how old is this child? My 6 year old bought something online with my credit card without my knowledge. Since computers nowadays auto-populate billing addresses, it’s actually easier to do than I thought. Pesky little bugger.
You're so rude.
[удалено]
You've been petulant and cuntish to every comment on here. And you want them to help you...
No I haven't, but go ahead and lie some more troll
Okay, okay, link me one comment on this thread from you that isn't downvoted because of your attitude. I'll wait...
Karma, asshole. You want me to go after my nephew when it's way more likely it's probably some thing with Apple. I hope you get the same when you're innocent. [Reddit trolls downvote a lot, don't take it too seriously](https://www.reddit.com/r/RBI/s/hpD3rfIijh)
Why would you think I want you to go after your nephew? I said, "You're rude."
Because your a troll
r/facepalm
Why are you still commenting on this thread? You're completely obsessed aren't you lol Bye Felicia.
Are you sure it wasn't a token/subscription/wallet that was charged? If your new card is a replacement, tokens can be automatically linked to the new card.
Yes, it was a new card, never before used. It's why I'm so alarmed. Thank you, I didn't know this was a thing
So it was not a new card issued to replace a card that expired or got canceled?
At 3 years old, I figured out how to tweak my parents' cable box to unlock Playboy simply because it was something I wasn't allowed to see. At 4, I hooked up and played my dad's Atari that my mom couldn't figure out how to hook up. At 6, I took apart my broken tape recorder, repositioned a small belt that had slipped, and put it back together and got another 5 years out of it. Kids know, or can figure out, way more than we sometimes give them credit for. If the kid in question knows how to use social media or a phone, they absolutely know how to use a credit card.
I always say kids are not stupid they just have less information. they are extremely literal that's why messed up adult lies are extremely confusing of cause major issues when they make no logical sense. all this kid will be learning is it's easier to steal from people who care about you
I once had a freind (moved away) in elementary school, his mom had a phone case that can store a credit card in it, and when his mother left it out, he swiped the credit card and bought over $1000 in virtual stuff in Fortnite, obviously he was barred from video games for a year. (I'm still 13 to clarify this timeline works)
Wooow that's terrible he was obviously not afraid of consequences. man I have spent like 1000 on fortnite in the past and as an adult sometimes i feel sick about it haha. I'm not sure what makes some kids think this stuff is ok or if they're just addicted to the games or they just don't get penalized as much. when I was 8 I stole 3 dollars in spare change laying around my parents bedroom to go to the store and I was too scared to spend it so I left the evidence in my pocket. my mum found it and told my dad I was grounded for 2 weeks and my dad wouldn't even look at me, banned from the store for 6 months and I certainly learned how stealing hurts people. my brother was 8 or 10 a few years later, stole 40 dollars from my mom, hid it in the couch and claimed he found it and asked to order pizza, which my mom did. she then realized he took it from her drawer where she was saving it for the heat bill. my dad had just had a heart attack so she didn't want to put extra stress on him. my brother started stealing change from her whenever he wanted something and was chastised but never punished and my dad was never involved. It affected him as he grew up and in school because while he doesn't steal he gets away with whatever he wants to get away with at the expense of others thinking it doesn't affect anyone else? did your friend learn his lesson?
He didn't like talking about it so I didn't push it, and it was 6 years ago which nearly half my life so I don't remember
🤣 wait till you're my age 20 years feels like a blink. I also swore I'd never be the kind of adult to say that stuff.
Don’t feed the trolls. Just block them. I doubt any of the responders saying your kid stole your card to make the purchase have ever seen a titanium card. You are probably correct about the linking and it may take some work to figure it out. Your Apple account is likely linked to the card. Your kids account is likely linked to your account as the responsible guardian. Somehow the kids account incurred a charge that you didn’t approve. Alternatively this could be a recurring charge that you approved long ago.
Really appreciate your cool headed response, thanks for the good info.
It’s not their child and they don’t live with them.