Hi,I'm Zoey and I'll be assisting you. I'm reviewing your question now. Please be patient while I research and compose a reply for you.
It's best to tell the truth, because you certainly don't want to make a fraudulent report.
Which of the two situations applies? If both do, give me a brief factual account of the situation, so I can see which option i best expresses your concern.
Just checking in to see if you need more help or any clarification of my answer. If so, please reply here on this question thread.