Fraudulent charges

If in fact it is fraud you most DEFINITELY want to file this with your bank. Even if MS could give you a refund (which they can't) IT IS STILL FRAUD. You should file with your bank as soon as possible. I would also suggest putting more layers of security
on your card.

But if your credit card number was stolen, but not the actual card,
you are not liable at all for unauthorized use; any fraudulent credit charges are usually credited back to your account immediately after THEY ARE REPORTED to YOUR BANK.

So do yourself a favor and protect yourself by call or filing a report with your bank.

If its fraud, you're not going to get a refund.

If someone else used your card at walmart and then you show up later at walmart saying give me my money back , same result. No money given.

Your card, you and your banks responsibility when there's fraud. It's up to the bank to deal with the fraud investigation

The person that used your card would not get away with it part of the fraud process through your bank would be what is called a chargeback basically MS will take away the licenses to the purchases that were made if they were games or DLC or whatever and
MS will see this as Marketplace theft and permanently ban ANY account that those purchases were made on.

As far as the credit card information even if they could find an account with the card on it currently unless you could verify ownership of the account by getting a verification code sent to any phone or email on the account they would not be able to tell
you anything about the account. And you would still need to file a fraud claim with your bank.

Think about it this way if someone were to get your card information and go online and make purchases say at any online retailer even if you contact that retailer and try and get information about the transaction for privacy purposes they would not be able
to give you any information about that account that made the purchases and would tell you that you would need to file a fraud claim with your bank.

Hello, sorry for your problem. I advise you to contact your bank to appeal. For Microsoft contact support: https://support.xbox.com/
Send them a COPY of the response you got from Paypal.
Hoping that you will be reimbursed. Also remember to change your Microsoft and Paypal passwords regularly to preventthis from happening again.

cordially
Ryu

But Microsoft redeemed the gift cards to someone's account! That someone is the thief. The person getting the giftcards does not know my credit card information, Microsoft has this, likely all they had was my password. I changed my password and downloaded
the Microsoft authenticator app to my phone, but literally someone redeemed this specific gift cards to their specific xbox account THAT MICROSOFT KNOWS! It shouldn't require anything but some button pushing to track them down.