answer:So, it depends to a degree on your bank’s policy. You’ve attested wrongful charges, Netflix will look into it to see if it was indeed wrongful. They may or may not find it so, definitions get a little tricky. Since you don’t have an account but the card was used I feel like you’re probably okay, but that will depend on Netflix. From my experience, even if they deny it, though, you need to just explain that you were not the one to use the card and did not benefit, and it’ll be taken care of. Admittedly, this was my experience with WF, not BofA, but I can’t imagine it being too different as they’re governed by federal regulations. I had a wrongful single charge, I contested it and the company said, essentially “no, this is totally the charge we’ve been making for years”. I explained to WF that it (quite obviously) was not, and a few weeks later I got a letter saying, in short “you’re fine, all charges taken care of”. So good luck!