I need to dispute charges in my Microsoft account on a day that I believe my account was hacked.

Submit a separate Xbox refund request for every unauthorized October 22 purchase, including Game Pass Ultimate, while leaving the legitimate October 5 Microsoft 365 purchase out of the dispute.

Request refunds for the October 22 charges

1. Sign in to the account that shows these purchases.
2. Open the Xbox digital-game refund page.
3. Select each October 22 item and choose Request a refund.
4. State that the purchase was unauthorized and that you do not own an Xbox.
5. Select Next, review the request, and select Submit.
6. Repeat this for all nine charges shown in the order history.

Microsoft says processing a request may take up to 72 hours, with its progress available under Refund status. Approval depends on refund eligibility.[^1^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Get a refund for apps and games purchased from Microsoft Store | Microsoft Support")

For Xbox Game Pass Ultimate, also inspect the purchase details or Services & subscriptions and cancel any active recurring subscription so it cannot renew. Cancelling renewal and requesting a refund are separate actions.

Report the transactions as unrecognized

Open the Manage your payments page, locate each October 22 transaction, and select Investigate. This is Microsoft's designated process for charges that are not recognized.^2^

Save the following before submitting anything:

• Screenshots of all October 22 orders
• Order numbers and amounts
• Refund-request confirmations
• The legitimate October 5 Microsoft 365 order, clearly identified as authorized

If a purchase does not appear on the Xbox refund page, verify that the signed-in Microsoft account is the one shown in the order history. If it still cannot be submitted online, open Microsoft Support, enter unauthorized Xbox charges, select Get Help, and then Contact Support.^3^

Contact the card issuer if Microsoft cannot refund them

If Microsoft rejects the requests or the transactions cannot be located, contact the issuer of the Visa ending in 5209 and report the October 22 charges as unauthorized. Ask it to:

• Dispute only the October 22 Xbox/game charges
• Block further transactions on the compromised card
• Replace the card if appropriate

Microsoft specifically advises contacting the bank or payment provider when payment information may have been acquired; disputing charges alone does not prevent additional fraudulent charges.^2^

Finish securing the account

Since the password has already been changed, do not repeat that as the first action. Complete the remaining checks:

1. Go to Microsoft account → Security → Review activity.
2. Expand unfamiliar October 22 entries and select This wasn’t me or Secure your account, whichever appears.^4^
3. Review recovery email addresses, phone numbers, connected accounts, Outlook forwarding, and automatic replies for unauthorized changes.
4. Remove the saved card after the refund requests are recorded, particularly if it is no longer safe to use.
5. Run an up-to-date full malware scan: Windows Security → Virus & threat protection → Scan options → Full scan → Scan now. Microsoft’s compromised-account procedure also calls for checking connected accounts, forwarding, and automatic replies.^5^

Do not post full card numbers, order numbers, email addresses, or other account details in this public Q&A thread.

References

1. [Get a refund for apps and games purchased from Microsoft Store | Microsoft Support](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])
2. How to investigate a billing charge from Microsoft
3. [Windows 10](https://support.microsoft.com/accounts-billing/prevent-unauthorized-purchases-from-microsoft-store#need-more-help)
4. What happens if there's an unusual sign-in to your account | Microsoft Support
5. How to recover a hacked or compromised Microsoft account | Microsoft Support