I am sorry this happened to you. You are guilty until proven innocent.
Its important to develop small cell bitcoiner networks to help out during on/off ramps. Can you do it always? no Does this solve the problem? no. But but IMO its better to trade with friends than a random John Doe.
Submitting to fiat infrastructure comes at a cost, and even if the bank says someone filed a fraud complaint.. you will never know for a fact if this is fabricated or not. They are at war with us, they do not hold as much corn as we do and this is driving them mad.