No myth - it is for real. I honestly can't believe it. They are accusing me of returning a bunch of bags without a receipt. I have returned two - and three damaged Carleys, (one of which was my mom's, she has no store near her so she mailed it to me) that they never even asked a receipt for. Of the other two, one was a gift and the other receipt I did lose. The number they have come up with is considerably more than the five mentioned. I am fuming.