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Fargo woman receives $2,000 in Amazon charges from possible 'account takeover' fraud

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FARGO—Three weeks ago, Kay Jacoby-Hultman opened her bank statement to find nearly $2,000 in Amazon charges on her debit card, but she's never used Amazon.

"When I was going back through my bank statements I was like, 'holy cow! what's Amazon on demand? I actually had to call my son and ask him," said Jacoby-Hultman.

The charges started in October with $0.99 purchases for the movie streaming service, but then they escalated.

Each day, there were multiple charges of up to $30.

"I mean, that's two grand! That's 2 months rent, and this day in age, a person can't afford it," said Jacoby-Hultman.

Kay said she's called Amazon, but the company wasn't able to refund the money because she doesn't have an actual account.

"I went through every piece of paperwork with them, every date, they said 'we'll investigate it,'" said Jacoby-Hultman.

Now, she's working with Bremer Bank to get her money back, and to figure out how this could have happened.

Kay isn't alone when it comes to online fraud.

A national study shows last year was a record high of identity fraud, with nearly 17-million consumers hit.

The most common is "account takeover."

That's when someone uses your bank account number to make purchases online.

Now, Kay waits for a refund that may never come as her bank, and Amazon, investigate the charges.

She's resolved to keeping her purchases for the store and offline.

"I'll never do it. I'll never do it," said Jacoby-Hultman.

We reached out to Amazon, and the company confirms Kay doesn't have an account, but it could be a situation of "account-takeover."

They're currently investigating.