How can I save myself from paying $3,000 to credit card bank?

The reason the credit card company is not willing to refund the cost is because they paid a legitimate company, iTunes. Refunds on credit cards are only available if the crook received the money directly from the credit card transaction.

I have dealt with the IRS as a lawyer and CPA for over 30 years: - The IRS never calls a taxpayer unless the taxpayer has ignored several notices sent by mail. - THE IRS ALWAYS WANTS U.S. DOLLARS, they never want gift cards or foreign currency. - I suppose it possible that the IRS could make a demand for an even amount of money, like $2,000.00 or $500.00 but virtually always an IRS demand is for an odd amount, like $2,163.79 or $493.12. - The IRS never makes demands by e-mail. IRS employees will communicate by e-mail in certain situations, their email address is always XXXX@irs.gov. - IRS agents always identify themselves on the phone with their name and their Badge Number. Ask which office they are in, tell them that you will call them back, look up the number for the office on the internet and call them back. Credit card fraud means that an authorized charge was made to your account. For example, you're charged twice for the same item or an unauthorized person makes a charge on your account.It's not credit card fraud when you make a charge on your account, then later change your mind and don't want to pay for item. The credit card company can't stop or reverse a charge that you authorized.