You say it "isn't a football game," but either she's telling the truth on the bullying point or she's not. You clearly believe the latter is a strong enough possibility that you condemned my comments, based on my belief in what she has said. So you aren't calling her a liar... are you calling her "confused"? "Misguided"?
I've made my point why I think she's the most believable currently. You, however, don't want to acknowledge that you doubt her.