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steve fAl, Sorry to hear of your plight... I know this is of no present help but if I recieve a fake or altered card, and Ive "won" many scams, it is returned immediately, with insurance, a Paypal dispute opened and an email to the seller. I've had poor luck with phone calls due to sellers' falsified contact info. This method, for some unknown reason is very effective. They haven't returned my rejected cards -yet. Good luck