> It's not a "habit", it's the law. It doesn't matter how the fraudulent charges came to be. If a person disputes a charge and has evidence to prove they didn't make it, then by law the credit card company has to investigate, and deal with it.

But the time it takes on the phone to talk to an agent, review your records for legit vs illegit charges, etc. are not reimbursed, which is what they were on about.

> Why would the bank or credit card company send a check?

I think we're talking Target writing the check. Which they didn't exactly volunteer to do, but was covered in the class action at least: https://targetbreachsettlement.com/mainpage/CommonlyAskedQue...