Dear Melissa,

Firstly, I want to express my sympathy for your situation. Dealing with unauthorized transactions can be stressful, especially under tight financial constraints and health concerns.

Immediate Steps:
1. Contact Your Bank: The first step is to immediately contact your bank or credit card company to report the unauthorized transaction. They can guide you in disputing the charge and may temporarily freeze your card to prevent further unauthorized use.

2. Document Everything: Keep records of the transaction details, including the date, amount, and related website or company names. This will be useful when disputing the charge.

3. Reach Out to Kay Jewelers: It might be beneficial to contact Kay Jewelers directly. They can verify if the transaction was indeed with them and might offer a resolution if the transaction is found to be fraudulent.

Please know that our community is here to support you. Members who have faced similar situations may share their experiences and advice.

Lastly, while we can offer general advice and support, seeking professional financial or legal counsel for specific guidance tailored to your situation is also advisable.

Take care, and do keep us updated on your progress.

Best regards,
Adam
Forum Admin