Produced by Kate Valentine

Reported By Matt Gephardt

(KUTV) Here's a nightmare: first, your credit card is stolen and used all over town by the thief, and then when you try to report the crime, the police call you a liar.

That's what is happening to a Bountiful woman, and when her credit card company insisted she pay, she decided it was time to Get Gephardt.

Audrey Grisham is so fearful of having somebody stealing her credit card information that she rarely uses credit cards.

In fact, she only keeps one card and says she only uses it in emergencies.

Audrey says she uses the card so rarely that she didn't even notice when it was swiped right out of her purse.

That is until she got her monthly statement.

Charge after charge that Audrey says, she didn't make – $1,524.74 in all.

Audrey called Discover Card to report the theft and dispute the charges.

But Discover Card told her, to have the charges waived; she needed to report the theft to the police.

But not just to one police agency, she had to report it to every city where the card was fraudulently used.

Audrey had her work cut out for her – the thief had been busy racking up charges in: Woods Cross, Kaysville, Layton, Salt Lake City, West Valley City, Bountiful, Riverdale and Centerville.

So Audrey walked into each jurisdiction with her statement in hand to report the crimes.

“Some of those police departments were great and some were actually quite difficult to work with,” she said.

They were difficult but thorough.

As you might expect, the police did their job and questioned Audrey – trying to make sure she wasn't filing a false police report.

But then, things got really tense when she showed up at Centerville Police Station.

Centerville said Audrey did make the charges, and the officer here accused her of fraud, threatened to arrest her, and even read her her Miranda rights.

Audrey says the officer focused on the few charges Audrey admits to making on a duplicate card – not all the bogus charges.

But the officer's mind was made up.

Centerville police contacted all the other police agencies to report Aubrey as a fraudster, writing, "There is a strong possibility that the cases she filed with their jurisdiction would also be false."

And they notified Discover Card not to pay Audrey a dime.

So, Audrey gathered evidence on her own, including stamped time-cards and emails clearly showing she was at work during some of the charges.

Even dental records showing she was at the dentist when certain in-store purchases were made.

"To me it's black and white, you can see that I didn't make the charges,” she said.

Audrey says she went back to the various police stations to present her evidence, which was good enough for each.

And Kaysville police not only cleared her name but filed charges against the man they say stole her card.

But, even now, when Audrey calls Discover Card, they will not budge – insisting that Audrey pay up, writing "it has been determined that no fraud has occurred on your account."

"I’m just frustrated because i don't know what more I can do,” she said. "That's when i decided to contact you.”

So Matt called Discover Card and reminded them that charges have been filed against the man who allegedly stole Audrey's card.

And legally, they have to waive bogus charges.

Just like that, they changed their mind.

Discover Card says Audrey’s case is an isolated incident, but more importantly for Audrey, the bogus charges have now been waived.

(Copyright 2012 Sinclair Broadcasting Group)Credit Card Company Disputes Stolen Card, Charges