If the bank or credit card company wouldn’t reverse the charges when you reported your card lost or stolen, you can use the sample letters below to dispute the charges:
Dispute letter for credit card charges: https://www.identitytheft.gov/Sample-Letters/dispute-credit-card-charges
Dispute letter for ATM or debit card transactions: https://www.identitytheft.gov/Sample-Letters/dispute-debit-card-transactions
Dispute letter for if someone misused one of your existing accounts: https://www.identitytheft.gov/Sample-Letters/identity-theft-dispute-charges-existing-account
If the bank or credit card company wouldn’t reverse the charges when you reported your card lost or stolen, you can use the sample letters below to dispute the charges: