I wasn’t on my account so why am I banned?

You would need to go to the enforcement site HERE for the reason.

Bans/suspensions are vary rarely issued instantly so it could be for something you did days or weeks ago.

Hi yes I’ve already made a case review and wasn’t gave a definite answer on why my account was banned it’s really frustrating as I can’t call them directly and get this issue resolved

so then i am really curious as to why my account was banned.

That's heavy dude, you should unfriend your bad friend and perma banned him/her in your house forever. Good luck with the case review.

Couple things when you say you got the money refunded do you mean the friend that the money was taken off his account went to his bank and disputed the charges and MS gave the money back to the bank?

Did you call MS and tell them what happened and they refunded the money?

Scenario 1 MS looks at this as someone trying to bypass MSs refund policies and considers this marketplace theft. Which is a permanently bannable offense.

Scenario 2 would depend on what MS policies on refunds are whether they would give the money back or not

Keep this in mind that YOU are responsible for your account at ALL times.

The MS Enforcement team is the only people that deal with suspensions

The only way to contact the Enforcement team is through the case review process at their website enforcement.xbox.com

You would go there sign in with the account that has the ban on it click on the orange hammer it will then bring up your enforcement history and should have a link on that page to file for a case review it will then ask you a series of questions about the
code of conduct that you have to get all of them right in order to continue on once you get all of them right you will then be given a chance to appeal you ban at which point the enforcement team will reinvestigate your ban and determine if they can lift the
ban or not.