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Hey,
Out of curiosity... But how do you know that he isn't telling the truth, and he bought something from some place that was a scam, and stole the credit card number, and he used the same user/password for his email account as he did for the scame site he signed up for?
Yes, most likely 'the simplest explanation is most likely to be true' -- he just signed up and is lying about it now. I'm just curious how you can tell the difference if he wasn't lying.
If someone stole my CC and rang up crazy charges on porn site memberships, I'd still like to be able to chargeback and defend myself, not just be assumed guilty.
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