未經授權消費
Mindy finds an unfamiliar transaction on her account. She calls her bank right away to report this issue.
敏迪發現自己的帳戶上出現非本人經手的交易活動。她立即打給銀行舉報此事。
familiar(adj.)熟悉的suspicious(adj.)可疑的
Mindy: Hi. I’m calling to make a fraud report. An unauthorized transaction of $1,500 was made on my credit card.
敏迪：嗨，我打來是為了舉報盜刷。有人在未經授權的情況下，用我的信用卡刷了1,500元。
authorize(v.)授權
Representative: We’ll assist you in lodging a fraud complaint. You’ll need to have several documents ready for this process.
客服人員：我們會協助您辦理盜刷舉報手續。請您將程序所需的文件準備好。
assist sb. in or with sth. 協助某人做某事lodge an appeal, protest, claim
Mindy: What are they?
敏迪：要準備什麼？
Representative: Your bank statement for the past six months, a copy of your ID and address proof as shown in the bank records, and the contact history related to the fraudulent activity if you ever received one.
客服人員：過去六個月的銀行月結單，符合銀行紀錄的身分證和地址證明影本，若曾收到詐騙相關的聯絡紀錄也請一併提供。
proof(n.)證明（文件）be related to 跟～有關
Mindy: OK. Got it.
敏迪：好的，了解。
Representative: A fraud alert and security freeze will be placed on your credit file to prevent further misuse of your card. These protections typically last up to one year or until you ask for them to be removed.
客服人員：我們將替您發布盜刷預警，並凍結這張信用卡，以防再次遭到盜刷。這些保護機制的效期通常長達一年，您也可要求將之撤除。
security freeze=file or credit freeze 安全凍結或信用凍結misuse(v.)(n.)盜用、冒用、濫用misuse of fund 盜用資金misuse of social media 濫用社群媒體lift(v.)撤銷、撤除
Mindy: Thank you so much. What else do I need to do?
敏迪：太感謝了，那我還需要做什麼？
Representative: Go to the nearest police station to file a written complaint. And don’t use the same credit card until this issue is resolved.
客服人員：前往鄰近警局報案，此案解決前都不要再用這張信用卡。
make a statement 做筆錄resolve(v.)解決（某個難題）