I believe that the "work with a company" guidance is for a dispute (e.g. you ordered something, but didn't get it or are otherwise unhappy) -- not an outright u

I believe that the "work with a company" guidance is for a dispute (e.g. you ordered something, but didn't get it or are otherwise unhappy) -- not an outright unauthorized purchase by someone other than the card holder. I don't see what most companies would do if you approached them in this case: you have no order number, no information about the purchase, nothing to return, etc. The only logical thing to do in the case of a stolen or copied card is to contact the bank directly, so that the card can be canceled and fraudulent charges reversed.