If it was a credit card, it was $4k of the bank's money. I presume either you didn't notice the charge or you had a serious miscommunication with the bank, bec

If it was a credit card, it was $4k of the bank's money. I presume either you didn't notice the charge or you had a serious miscommunication with the bank, because the normal result under US regulations is that the bank would be the ones trying to get their money back.