Hello Austin Frye,
I’m sorry you’re still being charged when you can’t access the account that owns the Realm.
First, check the merchant name on a receipt or bank statement. If Microsoft/Xbox is billing you, contact Microsoft Support about the continuing Realms charge and explain that the subscription is on an account you cannot access. If another store is billing you, contact that store to cancel it.
Account recovery is worth pursuing if you also want the account back, but I wouldn’t make that your only path for addressing the charge. Please don’t post your card or transaction details here.