FNB won't resolve a ***** case...could it be greed or laziness?

Turns out FNB is blaming me for a recent ***** case. They didn't even investigate it as a ***** case and immediately decided it was a dispute case. I have never used this company where the ***** occurred and it was in another country! I immediately canceled the card but apparently still I'm the **** and I'm to blame. I asked for proof to show me how this is my fault and as usual no reply to my several emails or concerns. When I call through to the ***** department they are always redirecting me and no one seems to have an answer. Thank you FNB for being a bank that I cannot trust.