Gift card redeemed

Today, I went to my local Walmart, to purchase a $500 "Everything Apple Gift Card" with a Reflex MasterCard Credit Card. So I went through the process, card was scanned, not even 5 to 10 minutes passed, I checked the card...NO MONEY on the Card. This also happened to me at a local Dollar General Store, purchasing Google Play cards...so I'm needing help, where the heck did the money go then??? My first thought was that my Credit Card has been hacked/compromised, because I don't know any other cause for this. Now, I'm out $500, and these stupid stores will not refund or help you get your money back...There really needs to be something in place for this type of fraud and theft...I mean really. And I'm sure I'm NOT the only one out there that's been screwed over...

There's no option to do that.

Note: Gift cards are not payment method.