After faxing in my disputes of $100, there were two on my card history when someone used my card number to make a total of $200 in transactions that I did not authorize, I waited 45 days and was told I would not get my money back. The customer service told me a different story every time I called and said that I agree when I purchase the card to let them investigate any disputes and I do not believe they investigated anything because they are letting the people who stole my money keep it.