I used to work in the bank card department, and this kind of thing happened occasionally.

In short, if someone has been misappropriated, you can rest assured and don’t be stupid enough to repay the money. The bank staff will not be so unreasonable. Just tell them that you will sue the person who embezzled through them. The bank will find out the reason based on the card's consumption status. If you are not satisfied with the bank's answer, you can call the police directly. This matter can definitely be found out, including video surveillance at the place of consumption, etc.