What can I do for you today ?   I have an issue .   What is your problem ?   There were charges on my debit card that I never made .   Do you have a statement for your debit card ?   I do .   Which charges are you talking about ?   It ’ s the last four charges .   We ’ re going to have to do an investigation .   Is that going to take long ?   I ’ m not sure , but in the meantime we will freeze these charges . 