They wouldn’t cooperate with the bank or the police so no charges could be filed. There was enough $$$ charged that the moron would have gotten time behind bars.
That's BS. You certify it is fraud on your account. The credit card issuer prefers the charges. A subpoena will get the information on the account. Apple will be charged back the losses from the bank. If they choose to eat them it's their loss not yours. In all the times my card was abused, no one provided anything like the kind of feedback you are claiming to have received. I don't even get that level of feedback as a defrauded merchant. Part of the merchant agreement to even accept credit cards requires cooperation in credit card fraud investigations. Non-cooperation will void the agreement. So, Sorry. I'm calling BS on your story.
You know ... one shouldn’t obsess about how the bank (or the police) handle their business in this matter. I mean, you do it the way you’re supposed to ... the bank cancels the card immediately (usually before you even finish talking to them on the phone), you get your money restored to you ... and then YOU’RE DONE WITH IT! You’re out of the picture now.
The rest of the stuff is really not your problem and obsessing about it to the point of complaining about what goes on with the matters in the bank’s control ... simply aggravates you for no good purpose or outcome.
BUT ... GOING FURTHER into this issue in a POSITIVE WAY ... I would say that you should consider APPLE PAY, because that service that Apple has provided for its customers makes it IMPOSSIBLE (from a technical standpoint) for this to even happen!!
Get Apple Pay, and what you described will NEVER HAPPEN AGAIN! Without Apple Pay, this kind of thing can happen with all the other companies you deal with!