Unauthorized Microsoft Charges on Credit Card

Kay Trudell 0 Reputation points
2026-11-13T21:02:01.8933333+00:00

We keep receiving recurring Microsoft charges for Trial Packs and games that we did not purchase on our Discover card. We have canceled the card and received a new one 5 times in the last two months and the charges keep following the card even after recurring charges have been disabled. Discover is telling us that the charges are following our address and linking to Microsoft. I have checked all of the Microsoft accounts and there are no transactions in any of them and the payment method being used (Discover) is lot listed in any of them. It's definitely not something that is coming from our end. Help!

Windows for home | Windows 11 | Microsoft Store
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  1. AI answer

    2026-11-13T21:02:19.8633333+00:00

    If the charges do not appear in any Microsoft account order history and the Discover card is not listed on any Microsoft account, the most likely explanation is that the card information is being used on a different Microsoft account. In that case, Microsoft billing support cannot directly investigate the other account with the cardholder, and the correct path is through the card issuer’s dispute process.

    Recommended next steps:

    1. In the Microsoft account dashboard, go to Manage your payments and select Investigate for the unrecognized charge.
    2. Review order history and Services & subscriptions on every Microsoft account that might be associated with the household.
    3. If nothing is found, contact Discover again and open a formal dispute case for each unauthorized transaction.
    4. Tell Discover that the card information is compromised, not just that the charges are unrecognized. Disputing charges alone does not prevent more fraudulent charges.
    5. Request that Discover block and replace the compromised card again if needed, and continue the dispute process so Microsoft can respond through the issuer’s official charge dispute channel.
    6. If any charge is found on a Microsoft account that belongs to the household but was not authorized, use Contact Support or the Get Help app and choose Billing.

    Important points:

    • If the charge is not on any known Microsoft account, that supports the conclusion that it was made on someone else’s Microsoft account using the card.
    • Microsoft can respond once the bank or card provider opens the dispute case.
    • Repeated chargebacks can be considered fraud if used for valid purchases, so use chargebacks only for truly unauthorized transactions.
    • If the card details were exposed, requesting a new card is recommended even when no suspicious transactions are yet visible.
    AI-generated content may be incorrect. Read our transparency notes for more information.

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