Microsoft 365 features that help users manage their subscriptions, account settings, and billing information.
Hi Jones K,
Welcome to the Microsoft community.
I'm a Microsoft user just like you, hope you're doing well.
Sorry for the inconvenience.
If your account primary email address and password are changed, you will not be able to submit the recovery form as the account will no longer exist. Has your login email address changed? If not, see the link below for help: https://support.microsoft.com/help/24ca907d-bcdf-a44b-4656-47f0cd89c245
If the above doesn't help, they might try some of the steps outlined in the following articles:
https://support.microsoft.com/help/b19c02d1-a782-dee6-93c3-dc8113b20c42
https://support.microsoft.com/help/dc56c3e3-dff0-4ed5-8edb-60290eea6b53
If your email address has been changed, it means your account has been deleted. If a Microsoft account is deleted, it cannot be reopened, the email address cannot be used to create another Microsoft account as it becomes reserved. Understand that Microsoft does not recycle email addresses.
As for the payment method linked to your account, if you are unable to sign in to your Microsoft account because your email id was changed, you will not be able to manage your payment method, you should contact your financial institution/issuer of the payment method to cancel this payment method to avoid unauthorized charges.
Please let me know if you need any further assistance.
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Best regards