MIcrosoft Charges on Cards

Unless the charge is on your account that you own then you can not dispute the charges with Microsoft. Your best option is to dispute the charges with your credit/debit card company and let them handle the dispute with Microsoft. This is what they do
as a financial institution. It's is a lot easier to dispute credit card charges rather than debit card, takes less time.

But microsoft only charges when the product gets shipped and they charged my credit card

Assuming you paid by credit card, you were never charged beyond the usual test charge

Microsoft charges approximately 10 days from release, as we're 18 days from early access, no one's card was charged

If you paid by gift card it went back to your MS balance

It's not a glitch. When you preorder a game with a credit card, you are not charged until about 10 days before the game is released. So Microsoft will attempt to charge those cards closer to the game being released and if they can't charge the card the order
will most likely be cancelled.

This happened to me once. What happened is that microsoft tried to charge your card with non funds, xbox will hold the card untill you put a card in that can pay the balence. When removing a card from automatic renewal you need to remove it well before microsoft
charges it for another month of gold.