How to get a refund for unauthorized charges for Xbox?

For unauthorized Xbox charges, take these steps:

1. Go to the Microsoft account Manage your payments page and select Investigate to review the charges and check whether they came from a subscription, a family member purchase, a previously declined charge that was retried, a pre-order, or an in-app purchase.
2. Check order history for multiple purchases of the same amount that appeared close together. If only one Microsoft account shows the charge, but the debit card shows more, another Microsoft account may be using the same card.
3. If the charges were for Xbox digital purchases, sign in to the Xbox refund page, select the item, choose Request a refund, provide the reason, and submit the request. Refund requests can take up to 72 hours to process, and refunded money is generally returned to the original payment method within 3–5 business days.
4. If the charges are not recognized or the card may be compromised, contact the bank or payment provider immediately to prevent more charges. This is important because disputing charges alone does not stop future fraudulent use.
5. If online refund or investigation is not available, contact Microsoft Support or Xbox Support.

References:

• How to investigate a billing charge from Microsoft | Microsoft Support
• I've been charged twice | Microsoft Support
• Get a refund for apps and games purchased from Microsoft Store | Microsoft Support
• [Games on a PC