Unauthorized auto deduct. I need a REFUND

Edward Fernandez 0 Reputation points
2026-11-05T15:46:40.1633333+00:00

Good day, Microsoft Support Team,

I would like to request your assistance regarding an unrecognized deduction from my LandBank account bearing the transaction description "Microsoft".

Upon checking my Microsoft account and reviewing my active subscriptions, I could not find any existing subscription or purchase that would explain the deduction.

In this regard, I would like to request an investigation into the transaction to determine its origin and identify whether it is associated with any Microsoft account or service.

If the charge is confirmed to be unauthorized or erroneous, I would also like to request a refund of the deducted amount.

For your reference, I can provide the transaction details and other supporting documents necessary for your investigation.

I would appreciate your prompt assistance and clarification regarding this matter.

Thank you.

Respectfully,
JAN EDWARD R FERNANDEZ

Microsoft 365 and Office | Subscription, account, billing | For home | Other
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  1. AI answer

    2026-11-05T15:47:21.66+00:00

    Since the charge is absent from the subscriptions you already checked, open Manage your payments, select Investigate beside the unrecognized charge, and follow the prompts to trace it.^1^

    1. Investigate the deduction

    • Sign in to the Microsoft account dashboard → Manage your payments.
    • Find the LandBank transaction and select Investigate.
    • Enter or compare the requested transaction details, including the date, amount, and statement description.
    • Also consider whether the payment method could have been used by a family member or attached to another Microsoft account. Microsoft lists recurring billing, family purchases, retried declined payments, split orders, and in-app purchases as possible explanations.^1^

    Do not post your bank account number, full card details, transaction documents, or identity documents in this public forum.

    2. If the investigation identifies a subscription

    To check whether it qualifies for a refund:

    1. Sign in with the Microsoft account that purchased the subscription.
    2. Open Services & subscriptions.
    3. Find the subscription and select Manage.
    4. Select Cancel or Upgrade or Cancel, then complete the prompts.
    5. Review any refund option presented during cancellation.

    Microsoft requires cancellation before subscription refund eligibility can be checked, and cancellation does not always result in a refund.[^2^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "How to get a refund on a Microsoft subscription | Microsoft Support")

    If the purchase was billed through Apple or Google Play, its cancellation and refund must be handled by that provider rather than Microsoft.[^2^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "How to get a refund on a Microsoft subscription | Microsoft Support")

    3. If Microsoft’s investigation cannot identify it

    From the investigation page, choose Contact Microsoft Support, enter unrecognized billing charge, select Get Help, and then select Contact Support when offered.^1^

    Provide the following only through the private support session:

    • Deduction date and amount
    • Exact bank-statement description
    • Transaction/reference number
    • Screenshot or statement with unrelated details redacted
    • Last four digits of the affected payment card, if requested

    4. Protect the LandBank account

    If the charge remains unrecognized, contact LandBank immediately to:

    • Report the payment method as potentially compromised
    • Dispute the transaction and request recovery through the bank
    • Block or replace the affected card/payment method
    • Prevent additional deductions

    Microsoft specifically advises contacting the bank or payment provider when payment information may have been acquired; disputing only the existing charge does not prevent further fraudulent charges.^1^

    References

    1. How to investigate a billing charge from Microsoft | Microsoft Support
    2. [How to get a refund on a Microsoft subscription | Microsoft Support](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])
    AI-generated content may be incorrect. Read our transparency notes for more information.

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  2. DaveM121 945.9K Reputation points Independent Advisor
    2026-11-05T16:19:02.5033333+00:00

    1

    Using any Microsoft account you may have, try using the steps they provide on this link to find out what that payment was for.

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

    Then use the steps they provide on this link to cancel whatever that payment was for and get a refund (if applicable).

    https://support.microsoft.com/en-us/account-billing/how-to-get-a-refund-on-a-microsoft-subscription-67dca30b-b323-44d5-acc2-e02f9902c472

    2

    If you are still unable to resolve that payment problem, this forum is just a user to user forum, no-one here has any account access, you will need to contact Microsoft Support directly, try using this method to contact their support.

    Go to this link: https://support.microsoft.com/contactus

    Select Microsoft 365

    Click 'Get Home Support'.

    In the box provided, type billing.

    Press Enter, then on the next page, scroll down and click 'Sign in to Contact Support'.

    Navigate to Microsoft 365 and Office - Manage my Subscription.

    Select the 'Chat with support agent in web browser' option

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