[sjreese]

This is a known type of visa crime and should be insured against. Visa losses 100 million a year by sophisticated visa fraud. At Citibank it was part of the job to pay. The crime is setup multilayered fake bank in a secure jurisdiction, fake customer inside the network (CIA,MOSSAD) and a cardholder 50,000 dollar limit so no flags - all is validated via visa including in charge. Then no payment and months later an investigation that uncovers fraud then visa is the enforcer and based on your dependence YOU WILL PAY. Citibank pays!, With 100 million accounts at 23% profit the amount paid is a drop in the bucket. Upwork paid as well and is now holding the bag for not having the insurance