Scenario: Cardholder is incarcerated on 8/4/17, he left his belongings, car, personal papers, bank statements, debit card etc. with his "friends" for safekeeping. His sizable bank account $100,000+ has been drained via ATM withdrawals over the course of 6 months. He is still incarcerated until July. We are unable to speak with him directly only via letters. I have a letter from him stating they were not conducted with his permission. I have no chargeback rights. Can I limit the reimbursement to the 60 days? We did not receive a notice of incarceration or an alternate address to mail the statements. Statements mailed were not returned. I know there is an extension of time limits for extenuating circumstances to a reasonable period. Do I have any options other than to reimburse the cardholder fully?