Repeat A: I want to contest some charges I see on my account. B: Do you think your account has been compromised? A: I think I am a victim of identity theft. B: What proof do you have? A: I did not buy anything in Miami last week. B: How can we be sure? A: I work here in New Jersey. B: We will open an investigation. A: How long will that take? B: The investigation can take up to six weeks. A: I need my money now though. B: The charges you contest will be frozen.