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Help is appreciated ... it is my ex-girlfriend. She was not a co-signer on the account and no POA but had offered to transfer the $4,000 I owed her electronically from my account to hers. Instead she transferred $11,000. I have the documentation that we had agreed on $4,000 and when I questioned her about it she stated 'we agreed you would pay off the complete credit card' not just my charges. Her action has put my account close to negative and I am in dire straights until next payday.