No offense, OP. Even you are the victim, you still have to take most of the responsibility about what you have experienced.

1. At the minimum, USB should have issued statements. So even I agree that USB's customer service is quite incompetent, your ignorance took a major part in the big mess (unless you never receive anything).

2. Not only USB, but all issuers assume all approved charges are accurate that you must repay, unless you dispute.

Work with USB. Remember - it might be unfortunate that you have a fraudulent charge. However, not until you have reported, USB has done nothing wrong to report you past due.

Don't file a CFPB complaint or dispute credit reports unless you exhaust all options with USB. This will only make things worse.