Could be a couple of things. It could be a de facto admission that the fraud has been exposed. Or the question was so outrageous and insulting that they never want to deal with you again.

Filipinos really avoid confrontation. That's why everyone wants their women!!!

There are two things going on here, and both are cultural. Of course, not all Filipinos are the same. First, Filipinos don't like conflict. They'll avoid it like the plague, even if they have to lie to do it. Some employers I know told me they'd had applicants accept job offers and then never show up. They'd rather say yes than no, just to avoid any chance of conflict. Second, they're very proud. When you accuse them, they feel insulted, even if the accusation is true. When you raise an issue, it's best to word it carefully so it doesn't sound confrontational or like an attack on their character. In other words, say 'I'm sure you didn't realize this, but the amount is incorrect' instead of 'You're charging me unfairly and dishonestly.'

I'm Filipino, but I also have a hard time dealing with this kind of worker. Of course, not all workers are the same. There are still a few good, honest Filipino workers with integrity, but they're very hard to find. When they get caught in their shady dealings... they just block you and never show up again. Later you find out he does it every time. With other people too. They always have an alibi or an excuse. They avoid confrontation. If the employer is a foreigner, sometimes they think of a way to take advantage... Not all of them, but this is reality. And when caught, they cut off all communication. In your case, you may need a lawyer to figure out whether this is mainly a collection/civil case, an insurance regulatory complaint, or a possible estafa (fraud) complaint. You also need to collect all the evidence you have about that person and your dealings with him, for example your conversation history, screenshots of fund transfers, etc... Building this case will eat up most of your time. But it's still best to consult your lawyer on the best and most practical way to deal with this. Sorry you're going through this, and I hope it gets resolved soon. Take care

Clear communication just isn't a thing here. That's why, in every situation, it takes several return trips to get the right items or the right procedure done.