Could anyone help me?

If you have an old xbox 360 console, you can purchase it for free from there.

Otherwise you need to add credit card details or paypal as Smwutches suggested.

To purchase backwards compatible games on the One, you would need to use either a credit card or Paypal. Your Microsoft account balance can only be used to purchase One content on the One.

Hi, my name is Ezequiel and thank you for your question and for reaching out. Hello John W4 how are you?

I am very sorry that you were unable to get a refund.

But if Microsoft has not refunded you, I believe there is nothing that can be done.

Unfortunately, there is no way to know the reason, I advise you to contact support to see what was the reason for the non-refund of your purchase.

please enter this link where you can contact support, the option is in green on the right, written contact us.

https://support.xbox.com/contact-us/

I am submitting the full form of the Microsoft Store policy rules below.

https://www.microsoft.com/store/b/terms-of-sale?rtc=1

Hello Andu, this is Manuela!. I'm an Independent Advisor and community user like you ready to assist with this.
Not a Microsoft employee.

I'm sorry to hear you're not able to create a new gamertag for your Microsoft account.
May I know which platform are you using to do this?
And, may I know what procedures you tried to fix this?

We cannot assist with self-repair.