I think what probably happened here: an avatar was created with a fake credit card, items were bought and laid on the ground along with PED, and you logged in and picked them up.
The question now is did you unwittingly pick it up? Or, were you (or an accomplice) making avatars and using stolen cc info to fund them, and then dumping it on the ground for you to pick up? If it was the latter, you can be damn sure MA would track it down when the cc's got rejected, and shut down the whole operation pronto....which is what it looks like they did.
Many years ago, I linked a cc of mine to my gf's sons account because he was on another planet, and I couldn't hand him ped like I usually did. So I link the card (in my name) and since its his first card, he had a $20 limit to the deposit. There was no problem, the ped went through, even though the cc didn't match his name, because anyone can do that for $20 bucks. (MA does the $20 limit thing to minimize their risk and to be sure that charges don't get reversed.) So basically, ANY new player can depo $20 with any stolen card, and get the ped before MA can verify the payment. Once you try to depo more than that, after x amount of time, MA uses the successful $20 transaction to verify your ID and your limit is raised to $3k or whatever.
The amount you claim to have picked up nicely coincides with that $20 first depo limit. Done over and over again, with multiple avatars, it would add up to a tidy sum, and MA would catch on pretty quick. I have a feeling because those charges were reversed, MA busted you.