Product: Money transfer, virtual currency, or money service

I, XXXX XXXX XXXX, declare and attest under penalty of perjury under the laws of the State of California, including false statements, perjury, and claims estoppel, that the following statements and events are true, accurate, and correctly stated without any omission or misrepresentation. I make this statement to the best of my knowledge and abilities and do not do so under duress or to unjustly gain any products or services mentioned or itemized in the attached evidence : Unauthorized Charges : I have identified unauthorized charges on my credit card accounts. I have not received any products or services corresponding to these charges. I did not sign up for, approve, or knowingly allow anyone to use my credit cards for these transactions. 

Lost/Stolen Device : One of my two personal telephones was recently lost or stolen while traveling. I have no idea who has it but did notice, according to the device activity, that someone has accessed the device while it was not in my possession. I keep two devices, one for work and one for personal use. While I use a password manager, LastPass, to securely store my passwords, I try to keep my PIN numbers memorized. However, having access to my phone would allow someone to circumvent two-step authentication by receiving text messages. It appears that most of the online charges were made with a debit card, which does not require the PIN. 

Viruses and Malware : Several viruses and malware were discovered and quarantined by the antivirus software on my computer, which was syncing with my phone. 

XXXX Account Breach : My XXXX account was also taken over. The perpetrators attempted to list items and make purchases under my name, directing these activities to my XXXX account, which they also accessed. XXXX noticed these unauthorized activities immediately and locked them out of my account. I do not know the details of what they did on XXXX during the period they had access or how XXXX became aware of the breach, but I am surprised that no banks alerted me or questioned the out-of-pattern transactions that XXXX noticed immediately. 

Mailbox Break-In : My mailbox was broken into and has since been repaired. See the attached photo of the mailbox destruction. I have no idea how or why they managed to do this or why they would target my mailbox. It is strange because a few times there has been a strange person sitting in the hallway outside of my apartment. When I asked him what he was doing there, he said his girlfriend kicked him out. This seems very sketchy to me. The building is a secure building and requires a key for every door and the elevators. You can not access my floor without a key, the same with the mailbox area. I have never seen him before and know many of my neighbors. 

Immediate Actions : Upon discovering the unauthorized charges, I immediately checked all my credit card accounts, made a list of all the unauthorized charges, and began the process of canceling the affected credit cards. Based on recommendations, I have also created new email addresses, reset all passwords, and performed factory resets on all my devices to prevent further unauthorized access. 

Reporting and Legal Compliance : I have reported these unauthorized charges to my credit card companies and relevant authorities as promptly and efficiently as possible given the circumstances. I have acted to the best of my abilities in addressing this issue and have followed the prudent course of actions prescribed by law. 

Legal Rights and Timeliness : Considering that I am within the 60-day period from the date of the statements containing the unauthorized charges, and given the extenuating circumstances in my life, including moving and being involved in a contentious legal matter, I can not be held liable for these charges. According to the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, and California Civil Code 1747.50, I have reported these unauthorized charges within the legally required timeframe. The case law, such as Regulation Z, 12 C.F.R. 226.12 ( b ), supports that I am not liable for unauthorized use if I notify the issuer within a reasonable time after learning of the loss or theft of the card. Additionally, the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) provide guidelines that protect consumers from being held liable for unauthorized charges if reported within the stipulated time frame. 

Bank Fraud Protection Guarantees : I am aware that several financial institutions, including XXXX, XXXX, and XXXX XXXX XXXX, offer fraud protection guarantees which assure that consumers are not held liable for unauthorized transactions if reported promptly. I have adhered to these policies by reporting the unauthorized charges as soon as they were discovered, thereby invoking the protection guaranteed by these institutions. 

XXXX XXXX  XXXX and cerulean bank both found in my favor. XXXX XXXX XXXX decided to collude with XXXX aka Skrill a payment processor and forged evidence. XXXX submitted the forgery to XXXX XXXX  XXXX who with me identified that it was fraud on XXXX XXXX part. XXXX admitted this and indicated they colluded with XXXX and XXXX. They proceeded to immediately refund the transactions after we caught them. They were dispicable to do this. I will never trust that company again. 

XXXX then tried to make it appears as they were attempting to refund the transactions to my XXXX account ; however, it was not known to me until later that they were colluding with XXXX because when I asked XXXX to refund the money to an account I had control of as the prevailing law dictates they refused. They then stopped talking to me and became very hostile. They attempted three times to refund the transactions, but it was no real because they knew XXXX was going to block them and not permit the refund. 

XXXX after being found out rather than make things right because they had taken such server actions against me decided to double down. They closed the account and declined to allow the refunds to be returned from XXXX. they froze and liquidated assets and caused sever distress and forced me to take over XXXX in losses from the fact that stocks and crypto were down when they forced the sales. that is absolutely horrific and nearly drove me to XXXX I was unable to pay bills or even access any of my money because of what these companies did. As it turns out this was all related to various data breaches and the company knows what they were doing was wrong and they knew that bad actors had been compromising their systems for months.