Hey there! Nice to meet you!
You may follow the guide on the official Microsoft website to investigate and locate the charge from Microsoft on this link:
https://support.microsoft.com/account-billing/how-to-investigate-a-billing-charge-from-microsoft-398c5328-364c-d5e4-ea8f-f5ad60562a93
If you're able to find the transaction and if it is an unwanted subscription renewal, you can check if it is eligible for a refund through this link:
https://support.microsoft.com/account-billing/how-to-get-a-refund-on-a-microsoft-subscription-67dca30b-b323-44d5-acc2-e02f9902c472
You may also try contacting Microsoft Support for further assistance in tracking the transaction:
https://support.microsoft.com/home/contact?SourceApp=smc2&ContactUsExperienceEntryPointAssetId=S.HP.SmcContactUsLanding
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