Why is my refund getting denied for obvious fraudulent charges?

Earlier this month, a hacker somehow gained access to my Apple account. Before I noticed and changed my password, they managed to purchase over $850 worth of random Chinese in-game currency. Each transaction was kept just under $50. I am guessing this was to avoid triggering purchase alerts.

When I contacted Apple Support, multiple representatives confirmed that these transactions looked highly suspicious and matched common patterns of hacked accounts:

• The purchases were made in Chinese (China being a massive hotbed for these type of hacking charges)
• They came from a device I’ve never used before.
• Apple Support could see a new device sign in right before the charges occurred.
• The charges were broken into small amounts (e.g., ten $4 charges, twelve $3 charges, etc.).
• The purchases were for a game I have never played.
• The spending behavior was completely different from my normal history (which includes Apple Music, iCloud storage and the occasional apple pay payment for something minor).

Despite all this, both of my refund requests were denied. I genuinely don’t understand what more evidence could possibly be required to prove these charges were fraudulent.

I’ve even filed a fraudulent transaction claim with my bank, but it appears they sided with Apple, citing “insufficient evidence of fraud.”

At this point, I’m considering filing complaints with the FDIC, CFPB, or even pursuing legal action. I’ve been mistreated, dismissed, and literally robbed of $850, while Apple refuses to take any sort of action.

This experience has been stressful, frustrating, and infuriating. I have spent hours upon hours gathering evidence, calling apple support, and doing research on this issue. To make matters worse, there are over 20 transactions, each containing multiple small purchases, so manually disputing them one-by-one through Apple’s refund portal would take an entire day.

Here’s just a sample of the transactions (4 of the 20+ pages).

Do these look legitimate to you?

Why would I spend $850 in increments of <$10 on my own account within 2 days?