It sounds like you encountered a tech support scam. Scammers often use tactics to frighten users into believing their devices are compromised and that they need to call a specific number for help. They may even lock your screen with fake messages to make it seem urgent. Microsoft does not lock computers and does not ask for personal information or payment in this manner.
Regarding your question about whether they could have changed your IP address, while it's technically possible for a hacker to manipulate network settings, the more pressing concern is that you should secure your accounts and devices. Since you've already contacted your banks and canceled your cards, that's a good step.
To check your IP address, you can use the command prompt on your computer:
- Press
Windows Key + Rto open the Run dialog. - Type
cmdand press Enter. - In the command prompt, type
ipconfigand press Enter. This will display your current IP address.
If you suspect any ongoing issues, consider running a full antivirus scan with Microsoft Defender or another trusted security software to ensure your system is clean. Additionally, be cautious of any further unsolicited communications claiming to be from Microsoft or other services.