Unauthorized Subscription Charges on My Credit Card

Hi @vincentia hendriana

One thing worth knowing straight away: legitimate Microsoft purchases from Indonesia are usually billed through Microsoft's Asia entity in Singapore, so a Microsoft charge showing Singapore on your statement doesn't by itself mean fraud. It may be a subscription on your own account, or a family member's, that renewed. So let's check that before treating it as theft.

1. Go to https://account.microsoft.com/billing/orders and sign in with every Microsoft account you own, including old Hotmail or Outlook addresses. Look for a charge matching the date and amount. Also check family members who might use your card, especially for Xbox or Microsoft 365.
2. If you find it and don't want it, open the subscription under Services & subscriptions, cancel it, and use Request a refund on the order. Recent renewals are usually refundable.
3. If it matches nothing on any of your accounts, the card is being used on someone else's Microsoft account. Microsoft can't show you another person's account, so contact your bank right away, report the card as compromised, dispute the charge, and get a new card number. That stops further charges.
4. You can also report it to Microsoft at https://support.microsoft.com/contactus, choose Billing, and pick chat to reach a live agent. Please don't post card or transaction details publicly here.

Could you share what the billing descriptor says and the amount, without the card number? That often tells us whether it's Microsoft 365, Xbox or something else, and whether it's likely yours.

If this helped, please click Accept Answer so others seeing unexpected charges can find it.

Reference: https://support.microsoft.com/en-us/account-billing/how-to-investigate-a-billing-charge-from-microsoft-398c5328-364c-d5e4-ea8f-f5ad60562a93

Hello, good day and thanks for your question. Sorry to know on what happened. Please see the link below to check on what is the related billing charge for.

https://support.microsoft.com/en-us/account-billing/how-to-investigate-a-billing-charge-from-microsoft-398c5328-364c-d5e4-ea8f-f5ad60562a93

If there is no other order or subscription that is present on your account this means that the payment method or the card that you are using got caught somewhere from the last time that you have used it and this has caused an unauthorized charge and in this case it is best to reach out to the bank to block and replace your card to avoid additional or future unwanted charge/s. It is also a good measure to temporarily lock it from the bank's website or the bank's mobile app as soon as possible and request for a refund from the bank from the fraudulent charge that happened.

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/en-us/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.