[stooken]

you're lender is pretty dumb if they can't/won't advise you what to do in situations like these. he/she is probably pushing you off to the side knowing he/she can't sell you anything at the moment.

you're on the right track with the fraud alert. keep calling back the customer service line and i'm sure you'll get someone with in the states but i'm sure that person from india is correct, just file a dispute and let them investigate. it's going to take a while though. try inquiring about making a prepayment just to settle the amount owed. see if you can get that money reimbursed if and when the problem gets resolved. i'm pretty sure they usually just freeze that account while it's being investigated but i could be wrong.