Microsoft 365 features that help users manage their subscriptions, account settings, and billing information.
I'm sorry to hear that you're experiencing this issue. I'm happy to help.
Please note that here in the Microsoft Q&A forum, we are fellow users and do not have account access.
Log in to all of your Microsoft accounts and check if you can see the charges there.
https://account.microsoft.com/services
If not, have you asked a family member if they may have used your card in the past?
You can refer to this article: 'How to investigate a billing charge from Microsoft.'