account now inc rip me off took my income tax money n wont return it back san ramon, California

my card was lost i called to do a dispute someone used my card and spent 2,352.20 on my account account now sent me a letter  saying base on the information provided there investigation has determined that you received benefit from the transaction therefore they will not issue a credit to your account as a result of this claim. the evidence used at there decision will be available to you upon request. how could this be i never used my card this is madness they should be taken off the market when i call they put me on hold then tell me i need to leave a meassage evertime i call they charge a dollar not only that i speak to the wrong person