DBS Bank review: Debit card unauthorized transactions

On March 13, 2024, I was on my last day of 2-day safety course. Around 11, I received a text from my friend asking if she can borrow 50sgd so I opened my Dbs account to do paynow transfer but I noticed that my account balance changed so I checked the transaction history and to my surprise there were two unauthorized transaction listed. I called the bank immediately to report these unauthorized transactions hoping it will be returned back as it is still under pending status. The bank agent I talked to said my debit card was compromised so thay blocked it and I was advised to get a replacement. Agent said they will monitor and investigate the said transaction before they can do a refund. I went to the bank after my course. March 19, I checked my account online and saw that the previous transaction I reported to be unauthorized became a point-on-sale transaction which I assumed a successful transaction. Disappointed and frustrated, I called the bank again asking what happened to my case, the agent said that they are still monitoring. March 20, after a week, I received a call from bank agent and advised to file a police report. Agent said that they cannot do "chargeback" because the said transactions were done thru mobile wallet which I still have difficulty understanding because I still did not received any otp to my mobile hand phone for the two transaction which were in Euro. If the bank do not have any control to this kind of transactions, then individuals/clients like me becomes helpless. I put my hard-earned money to the bank for safe keeping and this happened. After I filed a police report, the officer just said that they cannot do further investigation because the transaction is likely done overseas so it is out of their jurisdiction. So after the emotional & physical stress and financial loss the bank can do nothing? How come I am the one having all this problems when in fact my money was lost under the bank system? The bank cannot dispute with the merchant which I also do not if is legit, the police cannot do further investigation, so who can help me get back my money?