MasterCard zero liability
I live in the UAE, my credit card was stolen and used before I notice, once I have noticed that the card was stolen I have reported this to my bank directly. the bank said that they will block the card and that I will need to get a police report to be able to file a dispute.
I filed a dispute with the bank and they said that it will take 90 days for them to come back to me. after the 90 days passed they said that according to their terms and conditions I will be responsible to the amount used from my stolen credit card without my authorization. I tried to contact master card world wide and they were of no use, they keep directing me back to the issuing bank that keeps telling me the same.
I wonder if the master card zero liability in case of unauthorized usage is a fraud or what! who can I contact to complain about this.
PS. The police has called me a week after the I reported the insident and they showed form the CCTV recordings the guy who used my credit card. of course I did not recognize him.
I would be greatful if someone can assist me in this matter