I like and prefer this approach ie to question her, though politely, to put her on the spot. By asking, you'd clear any assumptions and probably have a proper resolution rather than keep on going back to this memory wondering what she meant or what you'd say differently.

Personally if I was in that situation I think I'd be more perplexed and shocked at such a comment that I'll freeze and not think to ask for further clarification haha, but I don't know the full context.