Características de Microsoft 365 que ayudan a los usuarios a administrar sus suscripciones, la configuración de la cuenta y la información de facturación.
As your issue description is primarily written in English, I will provide my response in English for your convenience. Please feel free to let me know if you would prefer the information in another language.
Hi FELIX,
Thank you for reaching out and for sharing your experience in detailed.
Since the issue persists after changing your payment method, and you have been unable to reach a live agent through the regional support hotline, I recommend submitting a support request directly to the Microsoft Billing team through the Microsoft 365 admin center. The Billing team is best equipped to investigate subscription charges, invoices, declined payments, and other payment-related issues.
For instructions on creating a support request, please refer to the following article: Get support - Microsoft 365 admin | Microsoft Learn.
I hope your issue gets resolved soon. Any updates would be greatly appreciated.
Wishing you a great day ahead.