My bank account was charge 108 dollars for some unknow reason

A charge like this is usually caused by one of these reasons:

1. Recurring billing is enabled on a Microsoft subscription.
2. A previously declined charge was retried and then collected.
3. Another Microsoft account or a family member used the same payment method.
4. A purchase, pre-order, split order, or in-app purchase was billed.

To investigate it:

1. Open the Manage your payments page of the Microsoft account dashboard and select Investigate for the charge.
2. Review Microsoft order history and compare the date and amount with the bank statement.
3. Check whether the charge came from a different Microsoft account.
4. If the subscription was cancelled, confirm it was cancelled more than 2 days before the billing date, because cancelling too close to the billing date can still allow the payment to be taken.
5. If the charge does not appear in order history, check whether another account is using the same card.

If the charge still cannot be identified, contact Microsoft Support through Contact Microsoft Support and use Get Help or Contact Support.

If the payment method may have been used without permission, contact the bank or card issuer immediately to block further charges and investigate the transaction.

References:

• How to investigate a billing charge from Microsoft | Microsoft Support
• I've been charged twice | Microsoft Support
• Unable to cancel your Microsoft subscription | Microsoft Support
• I can't sign in to my Microsoft account | Microsoft Support