My husband and I have been having some major problems with someone using my credit cards and our joint debit cards. To make 900 number calls most recently someone has my payroll card that my employer has issued me to make 900 calls. When this first happened three different companies on the same day used my card without me even touching it. When I found out I first called the bank with in turn gave me the numbers to these businesses so I could settle with them. The first two companies gave me my money back with no problems asked the third one however refused to give me my money back because they claim the calls were being made from my home. Some of these calls were made when neither myself or my husband were home. Now they are trying to mu husband with credit card fraud.