Hey there! Nice to meet you!
Please follow the guide on the official Microsoft website to investigate and locate the charges from Microsoft on this link:
If you're able to find the transaction, you can check if it is eligible for a refund through this link:
You may also try contacting Microsoft Support for further assistance in tracking the transaction:
Type "Billing Issue" > click "Get Help" > Scroll down to Sign in to Contact Support > Microsoft 365 and Office > Billing and Payment Updates > Confirm > Chat with a support agent in your web browser
If you and the Support Team are unable to find the transaction 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 understanding! Please let me know if you need anything else.
Best regards,
Darhyl