Update!
So I contacted the Credit Card. Then a day or so later Kobo DOES in fact contact me with return instructions and they give me a shipping address. I just have to pay for shipping it back to them, with insurance. I mail it according to the instructions and give Kobo the tracking number, and for the time being I cancel the dispute with the credit card. [But I will not hesitate to open it up again!]
I hope it all works out and I can stop worrying about this mess soon.
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