You need to create a paper trail if you are going to win this. Hopefully you have proof you cancelled with in 24-hours. For your chargeback you need to do it in writing and since Wise is jerking you around I'd send it registered mail with proof of delivery. You need to write a succinct letter with just the facts including the fact you have tried to work with TAP and attach any evidence you have (e.g., proof you cancelled within 24-hours) and send that to Wise. I'd probably also include a copy of your DOT complaint as an attachment as well. If Wise still won't open a chargeback after the letter then I would open a complaint with the Consumer Financial Protection Bureau assuming this Wise account is a US based account. I would also start keeping a log of all the steps you take and the interactions you have with the various players.

In may case back in 2020 I won my chargeback against TAP (with Amex) because they never responded. My DOT complaint was never responded to for what it is worth.