Hey Delores!
Nice to meet you! I'm Darhyl, an Independent Advisor.
Based on your description, kindly confirm the transaction details by signing in to all of your Microsoft accounts in order to locate the duplicate charge on account.microsoft.com > Order History > select the date range when you received the 99.99 charge.
You may follow the guide through the official Microsoft website to investigate the charge from Microsoft through this link:
https://support.microsoft.com/en-us/account-bil...
If you're able to find the transaction, you can check if the subscription is eligible for a refund through this link:
https://support.microsoft.com/en-us/account-bil...
If you are unable to find the subscription charge in all of your accounts, you'll need to contact your financial institution/bank directly to dispute it, and they may process a refund as this would be considered a fraudulent charge.
You may also need to have your card blocked and request a new one.
Thank you for your kindness and understanding! Please let me know if you need anything else.
Best regards,
Darhyl