Fraudulent Charges

Okay, so here is my question. Why can't Microsoft let you refute gift card purchases that were made and redeemed on a different account?

I was told the only recourse was to contact my financial institution. I do not share my account with others. I received an unusual activity alert through email. I check, it says someone in Arizona signed in (I live in Alaska), and then someone bought two
xbox gift cards and redeemed them. I call support. They ask me who redeemed the cards, if I get them to reply to a verification code then I can get a refund, and if I don't know then my only recourse is to contact my financial institution. How the flip should
I know who it is?! I am reporting theft to you! I am reporting a crime on your system and you have no way of dealing with it?! Why? Am I missing something?

I read another thread where some community member support person said an analogy to the effect of, "If someone steals your card and charges a retail store you don't demand a refund from the store, you contact your financial institution." That is total
[Mod Removed - Inappropriate]! Using that analogy, this is more like someone steals my card and spends it in the retail store right in front of me, the cashier yells at me, "Hey this seems suspicious!" and then the cashier puts the purchase
on in-store credit on the thief's account anyway, which is attached to all their personal information, and I point at the person and say, "hey that is theft!" and tell the cashier to do something about it and credit back my virtual money and the cashier says,
"I'm sorry sir, but I can't do anything about it." Then they turn to the thief and say, "Thank you for your recent purchases!"

Why the flip is there no recourse? Or is there and customer support is not the way to go?

This happened in the states, how do I get any kind of justice? Call the police? FBI?

:)