I have tried multiple ways of resolving this and it still won't go away. Can I return the product for a full refund even if it was purchased in November 2019 and how do I go about it?
I suggest you chat to a Microsoft agent about the problem and making a return.
Go to support.microsoft.com/en-gb/contactus
Click on "Contact support"
Type in "Talk to a person"
and follow from there the obvious menu choices. I find that the wait time is short.
I would encourage others to report this fault to Microsoft by chat. I have no idea if anyone from Microsoft actually ever reads customer post on answers.microsoft.com. One can also report problems by typing "Feedback Hub" in the Windows search box.