Fraudulent use of my credit card

Question

Fraudulent use of my credit card

gb 0

Hi,

someone is using my BofA credit card to pay (recurring payments) MICROSOFT STORE transactions of $74.19 each month. While I reported the fraud and open a dispute with BofA and received temporary credit, the recurring payments did not stop. I call BofA and they said they cannot do anything and I should call VISA and ask them to stop it. I called VISA, they can't do it unless is pay per click. So now I have to wait every month around the 8th or 9th to see an alert for a charge of $74.19 to MICROSOFT STORES, report as unauthorized, but still being charged regardless because someone was able to set up recurring payments with MICROSOFT on my BofA credit card. Now my question is, how you guys were authorizing the use of a credit card that does not belong to the user in order to pay for MICROSOFT STORE non-tangible products and what can you do to stop it?

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2 answers

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Answer 1

Jeronimo Fuerte 47,010 Independent Advisor

I understand your concern, especially since you have already disputed the charges, yet the monthly payments continue. Since you do not recognize or authorize these transactions, the next step should be to have Microsoft investigate the billing activity and determine whether an active subscription or recurring payment is associated with your card. Microsoft provides an official process for investigating unrecognized transactions:

https://support.microsoft.com/accounts-billing/how-to-investigate-a-billing-charge-from-microsoft

You can also sign in to https://account.microsoft.com/billing/payments and look for the Investigate option.

If the transaction does not appear under your account, mention this during the process.

Because the charges continue, ask Bank of America's fraud department whether it can block future recurring transactions from the merchant and whether your compromised card needs to be replaced, as you mentioned they only issue a temporary not really a replacement.

gb 0 Reputation points

2026-10-12T23:10:54.4166667+00:00

Thank you for your answer. I did my own research and I found out that this particular credit card was stored in my Microsoft account as a payment method. However, no subscriptions and no order history related to my account. Is it possible that my credit card info was stolen and is being used to a different microsoft account?
Jeronimo Fuerte 47,010 Reputation points Independent Advisor

2026-10-12T23:13:56.18+00:00

It's possible that someone used your credit card on a different Microsoft account. However, if you follow the steps I mentioned earlier, Microsoft Support should be able to trace the transaction and investigate the charges, provided they actually originated from Microsoft.
gb 0 Reputation points

2026-10-13T00:22:22.82+00:00

The card used has been now removed from my payment methods and I cannot investigate. I can't add the card because has been invalidated by the BofA.
Jeronimo Fuerte 47,010 Reputation points Independent Advisor

2026-10-13T00:31:25.3333333+00:00

Of course. Unfortunately, that would be the direct option to investigate the charges in this situation.

If your credit card has been deactivated, it generally should not be possible to make new charges using it. However, some recurring payments may continue through automatic card-updating services, so I recommend confirming with your bank that these payments have been fully blocked.

You can also check whether you have any other Microsoft accounts where the same credit card might have been added as a payment method.

If the transactions do not appear under any of your Microsoft accounts, you should continue reporting them to your bank as unauthorized charges through its fraud dispute process. Your bank can investigate the transactions and help you take the necessary steps to prevent further charges.

Since the charges do not appear in your account, it is possible that someone else has used your payment information on a different Microsoft account, although this would need to be confirmed through an investigation.

I hope this helps clarify your options and points you in the right direction.

Answer 2

Bulldog 5,035

Microsoft can't see who is sitting at the keyboard typing in the payment card information. In addition, it isn't Microsoft's responsibility to ascertain whether someone typing in valid payment card information is actually entitled to use that card information. The only way that you can make this stop is to cancel that card so that it can't be used anymore by anyone and get yourself a new card account.

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