In other words, the customer was called and asked, did you authorize a charge at XYZ.com (or XXX.com as the case might be) for 19.99. "I dunno, let me check with my husband. Honey...did you use my debit card for $19.99?" "Yes, dear, it's fine."
Then she sees the charge hit the account a week later, does some more research, and then after filing for divorce files a claim with you.
(OK, I exaggerate, but you get my point.) I agree with Randy.
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