I made an accidental purchase and was denied the refund, should I dispute the charge from...

Hi Anthony! My name is Darhyl and I’d be more than happy to help you with your query.

I'm sorry you are experiencing this with your refund request.

It's important to note that this is a public user-to-user community forum, and none of us here work for Microsoft.

Since the purchase was not a fraudulent charge, your financial institution will not be able to assist you with your refund request.

In this case, according to Independent Advisor, Gerardo CG: (https://answers.microsoft.com/en-us...request/8bcbfa91-e8d0-4cd1-ae55-570668533c23)

"If your refund has been denied, and you believe it's an error because you haven't requested any other refund this year, please reply to the email you received informing you of the refund rejection. In your response, explain in detail the reasons why they should reconsider their decision and why you believe they should accept it. This is the only way to appeal the rejection and get back in touch with the team that originally handled your refund request."

Once you have submitted your refund dispute, you will receive an update from the refund webform team via email within 72 hours.

Thank you for your kindness and understanding! Please feel free to let me know if you need anything else.

Best Regards,
Darhyl

no, if the bank pulls the funds back then microsoft will deem that as market place theft and ban the account.

I read a similar question from about last year and the person had gotten a response from a microsoft employee and they stated that the account would not get banned

Nornal support employees have nothing to do with enforcement action. Because of this they are known to give out wrong advice when it comes to enforcement action and possible bans.

Per https://support.xbox.com/en-US/help...ayers-from-marketplace-theft-and-solicitation

Examples of marketplace theft include:

• Buying or redeeming game content or codes from illegitimate third-party websites
  
• Claiming that successfully redeemed codes didn’t work to gain additional content or funds from Xbox Support
  
• Abusing the Microsoft refund policy, or circumventing the refund policy by applying for “chargebacks” with your bank or financial institution
  
• Using system glitches or loopholes in the store for financial gain
  
• Participating in behavior that financially harms Microsoft or its partners
  

Doing a chargeback definitely has a good chance of resulting in a ban.

I read a similar question from about last year and the person had gotten a response from a microsoft employee and they stated that the account would not get banned

You can appeal the refund denial by responding to the denial email but as a rule they tend not to refund in game currency.

As Tezzarific said,if you refund it via your bank it could be seen as marketplace theft & could end up in a account ban.