I wish you'd been on my webinar earlier this week. Sure, those facts can contribute to your decision, but I wouldn't rely solely on that.
Any film? Has the consumer offered to file a police report? (You can't require it, but it may help in your decision.) Don't forget to calculate her liability based on the untimely notice and the dates of the transfer. And don't forget that you are not required to issue a new card.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell