im still getting charged after canceling my subscription

There are a few common reasons charges continue after cancelling a Microsoft 365 subscription and turning off recurring billing:

1. Cancellation was too close to the billing date
   Cancellations must be made more than 2 days before the billing date. If the subscription was cancelled within 2 days of the renewal date, one more charge can still occur.
   • Go to Subscriptions at https://account.microsoft.com/services and check the subscription end date to confirm when billing actually stopped.
2. Different Microsoft account was charged
   The subscription being charged might be tied to a different Microsoft account than the one where cancellation was done.
   • Use the Manage your payments page from your Microsoft account dashboard to investigate the charge and see which subscription and account it belongs to.
   • See: How to investigate a billing charge from Microsoft for step‑by‑step guidance.
3. Subscription purchased through a third party (Amazon, Apple, Google Play, retailer)
   If Microsoft 365 was originally purchased from Amazon, Best Buy, Harvey Norman, Google Play, or the Apple App Store, cancellation and billing are managed by that seller, not directly by Microsoft.
   • In that case, contact the retailer or app store to cancel and stop charges.
4. Past‑due balance blocking cancellation
   If there is money owing on the subscription, cancellation is blocked until the overdue amount is paid. Removing the card alone does not cancel the subscription.
   • On the Services & subscriptions page, if a balance is past due, select Pay now and clear it, then confirm the subscription shows as expires (with “Turn on recurring billing” visible) rather than renews.
5. Already set to expire (no further action needed)
   If on the subscription page it shows “Turn on recurring billing”, the subscription is already set to expire on the date shown, and no further automatic charges should occur after that date.
6. Next steps to resolve ongoing charges
   • Sign in to https://account.microsoft.com/services with every Microsoft account that might have been used. Confirm:
     • The subscription status (Active / Expired / Past due).
     • Whether any other Microsoft 365, Xbox, or OneDrive subscription is still active.
   • If no active subscription is visible but charges continue, follow How to investigate a billing charge from Microsoft to identify the charge.
   • If the charge is unauthorized or cannot be matched to an account, contact Microsoft Support for billing help, and if needed, work with the bank to dispute the charge as unauthorized.

If the subscription was cancelled correctly and on time, and the charge is within a very recent billing period, it may be eligible for a refund; see the refund guidance in the reference below.

References:

• Unable to cancel your Microsoft subscription
• Change your Microsoft subscription payment method and options
• How to get a refund on a Microsoft subscription
• Pay for a past-due Microsoft subscription
• Cancel a monthly charge on my visa credit card - Microsoft Q&A
• Game Pass refund - Microsoft Q&A
• How to resolve being billed on 2 separate charge accounts for the same thing - Microsoft Q&A
• My credit card is being used by an unknown person to buy Xbox pass. How do I cancel the monthly payment? - Microsoft Q&A
• Can I speak to someone? -- Billing issues - Microsoft Q&A