I have a 99.99 charge on my credit card and do not what this is for.

Most likely due to the amount charged, that is for a Microsoft 365 (Office) subscription.

1

This forum is just a user to user forum, no-one here has any account access, if you are sure no-one else has access to your banking details, using any Microsoft account you may have, try using the steps they provide on this link to find out what that payment was for.

https://support.microsoft.com/en-us/account-billing/how-to-investigate-a-billing-charge-from-microsoft-398c5328-364c-d5e4-ea8f-f5ad60562a93

Then use the steps they provide on this link to cancel whatever that payment was for and get a refund.

https://support.microsoft.com/en-us/account-billing/how-to-get-a-refund-on-a-microsoft-subscription-67dca30b-b323-44d5-acc2-e02f9902c472

2

If you are still unable to resolve that payment problem, you will need to contact Microsoft Support directly, try using this method to contact their support.

Go to this link: https://support.microsoft.com/contactus

Select Microsoft 365

Click 'Get Home Support'.

In the box provided, type billing.

Press Enter, then on the next page, scroll down and click 'Sign in to Contact Support'.

Navigate to Microsoft 365 and Office - Manage my Subscription.

Select the 'Chat with support agent in web browser' option

Use the Microsoft account and billing tools to identify what the 99.99 charge is for and then decide next steps.

1. Check if the charge is from Microsoft

• Go to the Manage your payments page of the Microsoft account dashboard and select Investigate next to the payment method that was charged. This helps identify if the 99.99 is tied to a Microsoft subscription, purchase, or in‑app charge.
• See: How to investigate a billing charge from Microsoft.

2. Review Microsoft order history

• Sign in at account.microsoft.com/billing.
• Select Payment & billing > Order history and refine by date around when the 99.99 charge appeared.
• Look for any order with status Completed or Redeemed and amount 99.99, then select Order details to see what was purchased.

3. Check for subscriptions that match 99.99

• Go to the Subscriptions page (for example, Microsoft 365, Xbox, or other Microsoft services) and look for any active subscription with a recurring amount of 99.99.
• If it is a subscription that is no longer wanted, follow the normal cancellation and refund guidance for that subscription.

4. If the charge is accidental or unauthorized

• If the 99.99 charge is an accidental or unauthorized purchase on a Microsoft account, use the refund process in Returning items you bought from Microsoft for exchange or refund to request a refund.
• If the charge appears to be from someone else using the account, follow the guidance to recover a hacked or compromised Microsoft account and secure it.

5. If the charge cannot be matched to any Microsoft account

• If the charge cannot be found in any Microsoft account order history or subscriptions after using the Investigate tool, contact Microsoft Support for billing help using the official support channels in the references.
• If Microsoft and the account tools cannot locate the transaction, contact the bank or card issuer to dispute the charge as potentially fraudulent and follow their process (including blocking or replacing the card if needed).

References:

• How to investigate a billing charge from Microsoft
• View your Microsoft Store order history
• Cancel an order or pre-order from Microsoft Store
• Unable to cancel your Microsoft subscription
• Cancel a monthly charge on my visa credit card - Microsoft Q&A
• investigate a billing charge - Microsoft Q&A
• My credit card is being used by an unknown person to buy Xbox pass. How do I cancel the monthly payment? - Microsoft Q&A
• Can I speak to someone? -- Billing issues - Microsoft Q&A
• How to Cancel Microsoft 365 subscription if you do not have account info? Or get anyone to help? - Microsoft Q&A
• What to do if your credit or debit card info is stolen