Higher One Helped a women from the UK scam me Internet

Bought an item from a women in the UK off ebay(dinky-dina-diva) and then she scams me, so I tried to get my money back by doing a chargeback. Three months later Higher One sends me an email saying they didn't find the UK women(dinky-dina-diva) at fault and that I had to pay the money back. These people have the worst customer service and investigators around because without any proof they denied my claim even though I was scammed and the UK women(dinky-dina-diva) can't provide a tracking number for the item.