First Citizens Bank & Trust Company of S.C.

The bank has stated there is no additional dispute process and the debit stands without any detailed explanation or recourse.
I was on a cruise during April and cruised to the port of Cozumel, Mx. When I returned home I found a charge on my debit card for $214.46 and a service charge for that transaction of $2.14. I absolutely did not purchase anything in Cozumel for 214. I did not spend that amount of money on any item during the ENTIRE trip. I file a complaint with First Citizens Bank and notified them of the fraudulent charge. They stated they would do an investigation to determine where this charge came from. First Citizens sent me a letter and stated they (the investigation department) determined that the charges were valid and there was not an additional process to dispute the determination. I was told unless I could provide proof that I did not make the charge, the debit of the money from my account would stand. I asked for the information they used to determine the charge was valid and was given a copy of the terminal receipt provided by the merchant. The signature states K. R. [redacted] the same as it is signed on the back of the card. I am not in possession of the card and have not been in possession of the card since before returning from the cruise. The last charge on the cruise that is a valid purchase from is in the port of Ocho Rios, Jamaica where I purchased entry pass into Dunns River Falls. The customer service agent suggested that I call the merchant and/or write them a letter. I was given the name and address of the Merchant in Cozumel Mx; Mayan Curious 2 Benito Juarez, Quintana Roo Cozumel, Mx. When the address is Google mapped it is NOT near the cruise pier, it appears to be in the residential area. My children (ages 11 & 13) and I, as tourist, DID NOT venture anywhere near the residential area and only visited three stores in the pier area. At the first store I purchased sunburn cooling gel, the second, a restaurant, of which we ate pizza and the third to purchase liquor (that was specifically made in Mexico). I have asked for any additional information used in the determination and was told the investigation department and a member of the Sandhills branch conferred and made the determination. I am not sure how to prove that I did not do something. The only information that is legible on the receipt is a signature. I am at a loss of how to prove that I did not do something.