I don't understand this trend of outraging at incompetent merchants as if they've caused anything more than a minor inconvenience - talking about "my money" and going so far as to claim you were "defrauded" [0] - as opposed to simply following your card's dispute process which will predictably set the situation right. They sound a little less friendly in Canada, but seem to have the same shape - dispute the charge, receive a new card, some months later receive a closure letter that you scan for your records, done.

I can see it being stressful the first time if you aren't aware how it works, which is why I'm writing this comment. But after going through it, it should be fairly clear that this is just a routine part of the payments system. Hearing "take it up with your bank" from a merchant's customer service is actually a nice thing - it means you don't have to waste more time trying to straighten things out with them directly.

The process is definitely an annoying artifact of basing a payments system on 23 digit (76 bit) widely-shared-secrets. But keep in mind the whole thing is actually friendlier than an irreversible (eg Bitcoin) or even worse an assumed-to-be-foolproof system would be, and I say that as a fan of bearer instruments.

[0] McDonalds is the party that was defrauded.