My member came in last week stating she had unauthorized FaceBook charges on her account, occuring in that same week. After reviewing her account, I found facebook charges going back to April 23 2012. Some of these charges were through PayPal for facebook credits, and others were directly through FaceBook. The last payment through PayPal was April 25 2012. She saw the charges and closed the PayPal Account on April 25 2012 as well. She never notified us (Credit Union), and these charges have continued on and off (all non Paypal/direct facebbok charges) for the 5 months after April, the recent ones being the highest dollar amount. Now she want's to be reimbursed, but says she is not worried about the older charges. Being that she knew her paypal account was compromised along with all the card information it contained, and she never reported this to us, is there any way to avoid payment. This is gross negligence if I have ever seen it, but that applies only to Visa zero liability. She did not lose or have the card stolen (technically), so the 50/500 dollar limits do not apply (I think). She did not spot these on her statement, so I can't start with the first unauhtorized transaction in April and pay 60 days out (or can I?) I feel like when she knew the card was being used and did not report it back then, she prevented us from reissueing, and preventing this loss for her and us. Any advice. Robert R.