Fraud purchases made through my Apple Account using my stored balance, and Apple denied my refund request

Someone somehow got into my account and spent all my stored balance ($80) with 4 purchases. Apple sent an email after the purchases saying someone get into my account used a "computer/device that has not previously been used". But Apple denied my refund request. And they said they can do nothing about it, because with the two-step verification system, the person must got my permission to get into my account, which is INSANE to me! I DID NOT give any permission to anyone to get into my account. And Apple knows that it is a new device in China (I live in the U.S) and warned me.

With 3 days, multiple calls to the customer service, Apple remained their denial to my refund request and made it the final decision.

And I can't ask help from bank because it was stored balance (big mistake). So now I lost $80 because of the unsafe Apple Account. And Apple lost faith of their 16-year loyal customer.

[Re-Titled by Moderator]