No.
A denial means the credit card company decided to hold you responsible for the charges. It does not magically turn somebody else's purchases into yours.
Sometimes the company may have evidence supporting its position. But sometimes fraud investigations are inadequate, important facts are overlooked, or the company's explanation simply does not fit what happened.
That is why I tell people to separate the company's decision from the actual evidence.
For more, read “These Credit Card Charges Aren’t Mine. Why Was I Denied?”:
https://www.cardozalawcorp.com/blog/these-credit-card-charges-aren-t-mine-why-was-i-denied-.cfm
