I was charged $9.95 on 12/22 and $9.95 on 12/27. It appears to be a duplicate charge. Microsoft should credit my account for the second charge. How do I talk to a person in Microsoft?
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How to investigate a billing charge from Microsoft or MSbill.info
https://support.microsoft.com/en-us/help/10623/microsoft-account-investigate-billing-charge
It is reported to be very to reach Microsoft Support by phone at present, but...
If unable to resolve this on your own, find the phone number for your country on this page to get help via phone.
Contact Microsoft Store Support (Phone numbers)
The last resort in situations like this is to contact your bank or credit card company and protest the charge.
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