Unauthorized Charge

Question

Unauthorized Charge

Henry Rychlicki 0

I do not use any of your apps not even mail way are you charging me without my approval? I did not even give you my new card number! I am mad about this fake charge! I want it reversed and do not ever use my card again!

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4 answers

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Answer 1

Sign in to the Microsoft account dashboard and go to the Manage your payments page. Select Investigate for the unrecognized charge.
Check the common causes Microsoft lists for unexpected charges:
- recurring billing on a subscription
- a purchase by someone known to the cardholder
- a previously declined charge being retried
- a pre-order or split order shipping
- an in-app purchase
If the charge does not appear on the Microsoft account, contact the bank or card issuer immediately and report the card as stolen or compromised. This is the step that helps stop additional fraudulent charges.
If the card was replaced but charges continued, that can happen because some merchants receive updated card details through card-network account updater programs. For Skype, Microsoft documents that Visa Account Updater and MasterCard Automatic Billing Updater can update card details for auto-renewing charges.
If the charge is tied to a Microsoft purchase and a refund is needed, use Microsoft Support. If the charge is unauthorized on another person’s account, the correct path is a dispute or chargeback through the bank or card issuer.

Important: disputing only the current charge does not prevent future fraudulent charges. The bank or payment provider should also block or replace the compromised card.

Answer 2

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/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.

Answer 3

Henry Rychlicki 0

I have tried everything contact support and even phoned and no help all I get is the run around.

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Answer 4

Henry Rychlicki 0

I tried and nothing helps.

EmilyS726 277.8K Reputation points Independent Advisor

2026-11-05T23:34:58.78+00:00

Did you find the charges in your account though? If not contacting support won’t help. It can mean your credit card is compromised and you need to contact credit card company and ask to talk to fraud department. They can send request for Microsoft to verify but it need to come from them not you. Microsoft cannot simply take your request to check someone else’s account.
Henry Rychlicki 0 Reputation points

2026-11-06T00:19:28.7633333+00:00

Yes I have my Card reversed. Microsoft is charging me and I don't have a subscription. TY for you help I will simply reverse any and all charges in future and I will cancel my account and start another.
EmilyS726 277.8K Reputation points Independent Advisor

2026-11-06T00:34:35.1733333+00:00

Henry, don't just dispute/reverse the charge. You actually need to let them know that this is fraud, so that it cannot happen again. This has happened to me before, not with Microsoft, and I learned that dispute and reporting fraud are two different things from my credit card company.