Unauthorized use of my debit card

I make all my game purchases and gold payments with gift cards and gold cards bought from the store. Somehow microsoft charged a new debit card that I just had issued, without me ever putting the information into xbox. Its currently been sent to the fraud
investigation department of the bank. With the bank claiming.. Take the purchase up with the merchant. So here I am. I want my gold charge reversed on the debit card you guys defrauded. Because I have a 1 month card right here ive been waiting to use.

:)