taking money for things I have never signed up for and giving just about no way to contact anyone

Investigate the unrecognized charge through your Microsoft account first, then cancel and request a refund—or contact your bank immediately if the payment cannot be matched to any account.

1. Identify the charge

1. Open Microsoft’s Manage your payments page and sign in: https://go.microsoft.com/fwlink/?linkid=2246882
2. Select Investigate beside the unfamiliar payment.
3. Check every Microsoft account you may use, including Outlook, Hotmail, Live, and any Gmail address registered as a Microsoft account. Also consider whether a family member used the card.

Unexpected charges can result from recurring billing, a family member’s purchase, a retried declined payment, or an in-app purchase. The investigation tool is designed to match a payment to the relevant account or purchase.^1^

2. Cancel Microsoft 365 and check for a refund

If the investigation identifies a Microsoft 365 Basic, Personal, Family, or Premium subscription:

1. Go to https://account.microsoft.com/services/microsoft365 and sign in with the account that purchased it.
2. Select Manage.
3. Select Cancel or Upgrade or Cancel.
4. Complete the cancellation prompts. The process will automatically indicate whether the subscription qualifies for a refund.[^2^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Microsoft 365")

If the page says Turn on recurring billing, renewal is already disabled and no further automatic charge should occur after the displayed expiration date.

If Apple, Google Play, Amazon, or another retailer billed the subscription, cancellation and refund must be handled by that seller rather than Microsoft.[^3^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Unable to cancel your Microsoft subscription | Microsoft Support")

3. Contact a person at Microsoft

Open Microsoft customer support and choose the Get help option for account and billing assistance. Describe the issue as “unrecognized Microsoft 365 charge”; support may offer chat or another contact method appropriate to your location.^4^

Do not post your card number, email address, phone number, or transaction details in this public forum.

If no Microsoft account contains the charge

Contact your bank or card issuer and report the payment as unauthorized. Ask it to:

• dispute the charge;
• block further payments from the compromised card; and
• replace the card if its details may have been stolen.

Microsoft specifically advises contacting the payment provider to prevent additional charges; disputing only the existing payment may not prevent new fraudulent transactions.^1^

References

1. How to investigate a billing charge from Microsoft | Microsoft Support
2. [Microsoft 365](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])
3. [Unable to cancel your Microsoft subscription | Microsoft Support](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])
4. Contact Microsoft customer support | Microsoft Support