Truworths - Dissatisfaction with a fraud investigation

On the 19th of October 2022, A purchase of R2074 was made on my account without my knowledge or consent. Upon realizing this in my statement I reported the matter and it was transferred to the fraud department. I am very disappointed with how this was handled by the fraud department. After a few days of reporting, I received a call from a lady who told me that she was investigating the matter. She asked me questions concerning my account, and I answered everything I remembered but what concerned me the most was how she kept on insisting that I should admit things I didn't have a recollection of since some of the transactions happened a long time ago. According to her "records" she says the purchase was made in my account using a card. I never received a card from Truworths, I don't know its colour and I don't know its card number. She says that according to her records even the purchases I am aware of were made using a card yet this is not true. I have always used my ID for all my in-store purchases because I applied for my account online and was never given a card. She asked me to visit my previous statement to see if I can recall the purchase, I did that and I still did not recall making any purchase as I was paying up my account for the last time with the intention to close it. I had sent an email previously to accounts to find out about my settlement balance and since then I have been working on paying up the remaining balance so I could close the account because it was no longer functioning under the terms I had been informed about.

What shocked me most was her telling me that she is closing the investigation because all the "evidence" she has on her side says I am the one who purchased on the 19th of October 2022. I don't know what evidence because when I asked if she checked the in-store footage she said she didn't and that she has no access to it because the incident happened over a month ago. She says the signature that was used for the purchase looks like mine but was never given an opportunity to even have a look at this signature that's supposedly mine. To top it off the investigation is being closed and I will be liable to pay for a transaction that was not made by me and without my consent.

This is very saddening to me because nothing I said to the lady was taken into consideration or was part of the evidence. It's as if the whole issue was overlooked and all of a sudden I have to pay a debt of R2074 plus interest which I never made. The fraudster might still be out there with a card that has my name on it and may decide to go on a shopping spree again and Truworths will ask me to pay for that. I wonder how many people are being robbed by these retail stores on a daily basis.