We’ll need to review the supporting documents.”

“I did not send him with my card.

I did not authorize this.”

Brenda wrote that down.

She did not declare a forgery proven merely because I denied signing.

She explained how to submit the dispute and obtain copies of records relating to my account.

I asked the same question twice about whether Ronald’s authority on a separate management account entitled him to act here.

“Those are different arrangements,” she said.