Cant add debit card onto my Microsoft account through Minecraft or Microsoft

Hi Owen, I hope you're doing great despite the issue you're experiencing. I am an Independent advisor and I am here to help you in regard to your concern.

Depending on the error that you're getting. If I may ask, what is the error that you're getting?

Also, do not provide any personal information in this session.

Well forgive me but im a little mad at the fact that xbox is charging a debit card with no money in the account without my permission, and i cant even remove the debit card. I want to simple remove the fricken thing, I cant even add a gold code i have to
renew my membership because my account has been suspended since a payment went through when there is no money on my debit card

You cant get refunds on giftcards but you can get the money back on a debit/credit card, or your account.

How do i get it back onto my debit/credit account.

My debit card is updated, it works well on microsoft store through xbox one...

When a refund is made it goes back into whatever payment option was used.

For example.

If you used a credit/debit card it would be put back onto that card. This can take 3-5 days for Microsoft to process then however long it takes for your bank to put the money back into your account.

If you used Microsoft account credit it would be put back onto that. This would be done immediately once the refund is processed.

If you used a mix of the above for example you had 50 GBP in Microsoft account credit and then used the other 19.82 GBP on credit/debit card then it would go back into your accounts split just like that.

No you would not be able to transfer that Microsoft account credit into your bank account.