I had a VISA card number somehow hacked and someone rented several videos at a Blockbuster in Georgia. That CC card company said I had to call Blockbuster and dispute it.
It was a VISA with a large international bank. It happened a week after I purchased tires on the internet. The card was still in my wallet.
I had to use my Google Foo to find which one of the stores it was. That manager said the card was swiped at the store so it was a good charge.
In the end I had to file a police complaint with the police in that city with the address and the phone number of the store, swear under penalty of perjury that I had not been to Georgia and rented a video. With that I got an official police report that I could file with the CC company.
When they removed that charge I paid off the balance and closed that account. I opened a Visa card at USAA. Those folks understand what customer service is all about. One day they called me and asked if I had been to Italy buying scuba gear. I said nope, I am still here in Oklahoma and I have not authorized anyone to buy anything in Italy. They had to send me a new card but they did not even think about making me do anything more.
I have never had to pay a penny and all it took was a little of my time to straighten it out.
It is not VISA that does not care, it is the financial institution that you have the account with. Fire the bank or whoever issued the card and find a better bank or credit union.
.