I had fradulent Doordash orders on my card once. They were deliveries in NYC, and I've never been farther east than Ohio. I disputed them, Doordash said "here's pics of the food being delivered" and the card said "hey, can't argue that." I showed them that I wasn't the one who placed the order and that I was literally a thousand miles away. Didn't matter. Picture of a paper sack on a doorstep trumped facts.
Card Companies suck. I hate them all with a passion and treat them as the necessary evil they are.
I told them exactly what happened. That I didn't authorize the purchase and that my card data had been stolen. I was clear about the circumstances.