[SinisterLin]

Saying your card was stolen wouldn't work if you used a device/IP/address that has already been linked to you. Well, it might, but they can see all of that information and more so there is a high likelihood of it being rejected.

Chargebacks aren't some sort of magical, no-evidence needed type of action. You seem to have no idea how chargebacks work and I don't blame you for it, but I'd highly suggest spending some time reading into it before opening one. Go on Reddit and search for posts from people detailing their own chargeback experience using your your specific bank and from there you'll be able to gain an idea of how it works, how long it takes, and what sort of information you may need to send them.

GL.

By the way, does your Microsoft's order tracking # show it as having been delivered to your address? Did Microsoft refuse to investigate or to open a trace into the package? What reason did they give for denying your refund? (These are just a few questions that you'll likely be asked by your bank in response to your chargeback.)