why isn't my debit card getting money back after my xbox purchase?

I waited the 5 to 90 business days and I still have not gotten my over 200 hundred dollars worth of Microsoft transactions back I use a wisely visa debit card, I do not know if that has something to do with it but I waited over 6 months and no money back but when I refund something I ordered off of amazon I get my money back can xbox/microsoft please look into this? for example I refunded battlefield 2042 which was like 70 dollars the Microsoft website said I could refund it I did it says I can not play the game when I try and load it up but I do not have my money back is it a visual glitch? or can someone at least give me 200 dollars to my visa to make up for the loss? thanks

:)