Can no longer get into my microsoft account/xbox account, also getting charges from them.

Treat the Game Pass charges and account recovery as separate issues: contact Microsoft billing support now and ask the card issuer to block future recurring charges if Microsoft cannot cancel them without account access.

Stop the Game Pass charges

1. Open Contact Microsoft Support.
2. Enter Game Pass charges on an inaccessible account, select Get Help, and then Contact Support.
3. Choose the billing/subscription route and provide:
   • Charge dates and amounts
   • The last four digits of the payment card
   • Xbox gamertag and old Microsoft account address
   • Any Microsoft transaction IDs shown on bank statements
4. Ask billing support to investigate the charges and stop the recurring subscription. Billing support can investigate payments, but account recovery and changes to security information remain subject to Microsoft’s identity-verification rules.^1^

If Microsoft cannot stop the billing without a successful sign-in, contact the card issuer and:

• Ask it to block future recurring Microsoft/Xbox charges.
• Dispute charges that were not authorized.
• Ask whether replacing the card is necessary.

Microsoft specifically advises contacting the payment provider when payment information may be compromised; merely disputing existing charges might not prevent new ones.^1^

If the subscription was purchased in Germany: Microsoft provides a cancellation process that does not require signing in. Use Cancel a Microsoft subscription acquired in Germany.[^2^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Microsoft subscription refund policy | Microsoft Support")

Refund eligibility depends on the subscription, purchase country, and cancellation timing. Xbox refunds are handled under the Xbox subscription cancellation and refund guidance linked from Microsoft’s refund-policy page.[^2^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Microsoft subscription refund policy | Microsoft Support")

Continue recovery without repeating the same form submissions

Since the recovery form has already been submitted repeatedly, use Microsoft’s Sign-in Helper first. Enter the original Microsoft account address or phone number; it checks for identifiable account problems and gives the applicable next action.^3^

If it directs you back to the recovery form, only submit again when you can add stronger historical evidence that was missing before:

• Complete it from an older device and usual location previously used with the account.
• Supply old passwords saved in a browser or Windows Credential Manager.
• Enter exact Outlook/Hotmail email subject lines and contacts.
• For Xbox, provide the hardware ID from the console used most frequently, preferably the older console rather than a recently purchased one.
• Use a currently accessible email address for Microsoft’s response.

Microsoft permits up to two recovery attempts per day and sends the result to the working contact address supplied on the form.^4^

Support agents cannot send a password-reset link, bypass ownership verification, or directly change account details. If two-step verification had been enabled and none of its alternate verification methods remain accessible, Microsoft states that recovery cannot be overridden by support.^4^

If access is restored

Go to Services & subscriptions, locate Game Pass, select Manage, and cancel it or turn off recurring billing. If the page displays Turn on recurring billing, renewal is already disabled and the subscription will expire on the displayed date.[^5^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Other")

Then immediately replace the deleted recovery address with an accessible security method, change the password, and review the account’s payment and security information.

References

1. How to investigate a billing charge from Microsoft | Microsoft Support
2. [Microsoft subscription refund policy | Microsoft Support](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])
3. Microsoft account sign-in helper | Microsoft Support
4. Help with the Microsoft account recovery form | Microsoft Support
5. [Other](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])