Dispute charge

Bruce Brannon 0 Reputation points
2026-11-06T00:21:17.41+00:00

I have a charge of $99.99 on my AMEX that was not authorized. I want to know why?

Microsoft 365 and Office | Subscription, account, billing | Other | Other
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  1. AI answer

    2026-11-06T00:21:49.3266667+00:00

    Use Microsoft’s Manage your payments page to investigate the $99.99 transaction; if it cannot be matched to any account or authorized purchase, report the card as compromised and dispute the charge with American Express.

    Identify the charge

    1. Sign in to the Microsoft account you normally use and open Manage your payments.
    2. Select Investigate beside the unrecognized charge.
    3. Repeat this for any other Microsoft accounts you use, including accounts belonging to family members who may have access to the card.
    4. Compare the transaction date, amount, and card details with the AMEX statement.

    Microsoft lists several possible explanations: recurring subscription billing, a family member’s purchase, a previously declined payment being retried, a shipped preorder or split order, or an in-app purchase.^1^

    If it is an unwanted Microsoft 365 renewal

    1. Open Microsoft Services & subscriptions using the account associated with the transaction.
    2. Find Microsoft 365 and select Manage.
    3. Select Cancel or Upgrade or Cancel and complete the prompts.
    4. The cancellation process automatically determines whether the purchase qualifies for a refund; cancellation does not always produce one.[^2^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Microsoft subscription refund policy | Microsoft Support")

    If the page displays Turn on recurring billing, the subscription is already scheduled to expire and should not renew again.[^3^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Microsoft 365")

    If the subscription was purchased through Apple, Google Play, or another retailer, cancellation and refund requests must be handled by that seller rather than Microsoft.

    If no Microsoft account shows the charge

    Contact Microsoft Support, enter unrecognized billing charge, select Get Help, and then choose Contact Support if offered.^1^

    If Microsoft cannot identify an authorized transaction:

    • Contact American Express immediately and open a dispute. A bank dispute for a transaction made without consent is a chargeback.^4^
    • Tell AMEX that the card details may be compromised, not merely that one charge is disputed.
    • Ask whether the card should be blocked and replaced, because disputing only this transaction does not prevent additional fraudulent charges.^1^

    Do not post the full card number, transaction reference, or account credentials here.

    References

    1. How to investigate a billing charge from Microsoft | Microsoft Support
    2. [Microsoft subscription refund policy | Microsoft Support](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])
    3. [Microsoft 365](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])
    4. What is a chargeback? | Microsoft Support
    AI-generated content may be incorrect. Read our transparency notes for more information.

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  2. EmilyS726 278.8K Reputation points Independent Advisor
    2026-11-06T00:53:53.76+00:00

    Can you go to your account https://account.live.com Sign in and go to Services & Subscription, do you see anything that matches the charges? If not, click on Order history instead and anything?

    Micosoft lists some other scenarios you can explore: https://support.microsoft.com/account-billing/how-to-investigate-a-billing-charge-from-microsoft-398c5328-364c-d5e4-ea8f-f5ad60562a93

    If you find the charges on YOUR account but you don't recognize making those purchase, for your privacy and security, billing matter cannot be discussed here, nor does anyone helping here have access to such data. You will need to contact support to get it handled. On your computer, launch the Get Help app from the start menu, then type in "Billing" as the keyword. On the next page, you can click on "Contact support" button. Then fill out a few more details and you will be directed to the page where you will have the option to chat with a live support agent.

    If you cannot locate the charges on your Microsoft account at all, it's possible that your credit card has been compromised. This means unauthorized charges may have been made on someone else's Microsoft account using your credit card. In such a scenario, you should contact your credit card company to open a dispute case. Microsoft is unable to directly investigate issues related to someone else's account if you contact their Billing Support directly. However, once a dispute case is initiated by your credit card company, Microsoft can then respond specifically to those claims through the dispute process with the credit card company. This is the appropriate channel to resolve such issues, as it ensures proper verification and handling of the unauthorized charges.

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