As far as I'm concerned, the fault lies at the feet of apple. I payed for a product, and without my knowledge its ended up in the hands of somebody else. If they sent a conformation of change of address the day it happened I would have had 7 days to report the incident. But I was told nothing. It's frustrating because it's entirely avoidable. The postal company have just delivered to the address that apple have supplied.
Of course it's their fault, you need to escalate it.
In the worst case scenario there is a thing called visa chargeback that exists with visa debit and you can reclaim money that way.