Let me get this right!
You let a "friend" purchase software of eshop for you but it turns out the friend was a hacker so you got charged for the software..You then rang Nintendo with your legit story and they told you your nintendo account was not hacked your switch was the only one used by yourself to buy the software. Your bank, which I presume you contacted straight away because in all fraudulent cases your bank should be able to refund those monies back into your account didn't??? this fantasy story of yours does not add up and sounds complete bull.
No, it's more convoluted than that.
OP let's friend use their account and purchases eShop game. Friend does chargeback. OP later says that friend did not do chargeback.
Then OP says it must have been because they had a prepaid card and it somehow charged back from that. Even though prepaid cards don't really do pending purchases. The second a pending charge comes through, it takes it out of the funds. OP wouldn't have been able to make the purchase with a prepaid card if funds weren't available and the purchase would have been declined.
OP doesn't have a bank account/credit card, so they're at least safe that way.
My assumption is that their "friend" is either an internet friend, in which they 100% got scammed, and they're still using their account on some other switch. If it's a real life friend, they're probably using their parents credit card and denying purchase. Or maybe OP is using their parents credit card and want to get their account back without telling their parents what they did.
If their friend was a scammer, you don't need a Nintendo account to purchase download codes. So the whole thing about their friend using their account to buy games is very suspicious.
Or maybe OP purchased a game code from someone else and that original purchase got charge backed. It's why you don't use CD key websites with the switch. Way too easy to get your account banned that way.
I guess we won't know more details until OP fills us in.
Edit: while going back and reading the thread again, OP was given the repaid gift card when they were panhandling.
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