You can dispute a charge on a debit card the same as on a credit card. Just say the merchandise was not what you ordered and you attempted to return it and they wouldn't take it back. Include in your dispute the email from them saying they won't take it back (or notes about the phone call).

They will suddenly want to get it back, and most likely will not argue against the dispute.

The rules are pretty clear on this stuff from Visa and Mastercard-- retailers are on the hook. With the kind of fraud they deal with ,being able to actually get the item back from the customer is a good thing for them.

Their return policy is asinine and counter productive. Maybe they think that so many customers will just eat the charge it is worth it.

But I would highly doubt you will lose your dispute (unless your bank is terrible.)

I have disputed various things over the years, when running into bad merchants. Only once has the dispute not gone in my favor -- and I no longer do business with that bank (Wells Fargo, it was a particularly egregious situation too. Over a $60 dispute they have lost $400 a year in revenue.)