A: I want to contest some charges I see on my account.

B: Do you think your account has been compromised?

A: I think I am a victim of identity theft.

B: What proof do you have?

A: I did not buy anything in Miami last week.

B: How can we be sure?

A: I work here in New Jersey.

B: We will open an investigation.

A: How long will that take?

B: The investigation can take up to six weeks.

A: I need my money now though.

B: The charges you contest will be frozen.