Until the process is ended where you can prove to Apple that you are the account owner they probably have to assume you are a scammer trying to get into the account to make mischief.
Until then, you can deal with some financial issues by dealing directly with you financial institutions. Cancel your credit and debit cards.
Nobody on this forum works for Apple, we can just look at things from their perspective too. If you wish to comment to Apple see: Product Feedback - Apple
Meanwhile, also read:
Read this document if you think your Apple ID has been compromised. --> If you think your Apple ID has been compromised - Apple Support
For iOS 15 or earlier, if you want to see if anyone else has access to your device or accounts, click here --> Limit access to your iPhone or iPad - Apple Support
For iOS 16 or later see how Safety Check on iPhone works to keep you safe. How Safety Check on iPhone works to keep you safe - Apple Support
Use the information in this document to check your Apple ID device list to find where you're signed in --> Check your Apple ID device list to find where you're signed in - Apple Support
Related materials:
Personal Safety User Guide
Personal Safety User Guide - Apple Support
> open the Table of Contents and review the articles
A document with general information about security and your Apple ID --> Security and your Apple ID - Apple Support
Contact Apple for help with Apple ID account security. This page provides country-specific Apple Support contact information ➞ Contact Apple for support and service - Apple Support
