unauthorized charges

Question

To whom it may concern,

I am being charged with transaction that I can't identify. it says on credit card billing, it is about Microsoft *Text to image. who do I need to contract to resolve this issue?

Answer 1

Hello Casey Choi,

Thank you for posting your question in the Microsoft Q&A forum!

I understand that you are having issue with unrecognized charge. I truly understand how you feel. Let me assist you further.

1. To identify the charge

• Sign in to your Microsoft account > Order history: https://account.microsoft.com/billing/orders
• Check Services & subscriptions: https://account.microsoft.com/services
• If you have multiple Microsoft accounts, repeat steps 1–2 for each account (Outlook, Hotmail, Live, Gmail‑based Microsoft accounts).
• If you use Microsoft Family, check if another member made a purchase.

1. For refunding, please contact support for the best assistance:

Once you’ve tried the steps above, you can also reach out directly to the Microsoft Support team. It may offer live chat and, depending on your subscription/region, an option to request a callback:

• Go to https://support.microsoft.com/home/contact
• Search for "Refund Microsoft 365 subscription" in the search box.    
• Click "Get Help", then scroll to the bottom and select "Contact Support”.
• When prompted to select Products & Services, select Billing> Subscriptions> Charged unexpectedly / Refund
• Look for and select "Chat with a support agent in your web browser". Once connect, explain your situation clearly.

Please note that the chat support team only works during certain working hours. Therefore, if the last window indicates that you are unavailable, try opening it again the next day. If you prefer phone support, you can leave a phone number. That way, they can call you and help you.

Please understand that this is a user‑to‑user support forum. Moderators, contributors, and external Microsoft staff cannot directly intervene in Microsoft product features or access back‑end systems. Our role is limited to providing technical guidance on reported issues, requests, or ideas. Still, I will do my best to assist you with everything I can.

To refund and check for refund eligible you can refer to this website, follow the steps instruction:

https://support.microsoft.com/en-us/account-billing/how-to-get-a-refund-on-a-microsoft-subscription-67dca30b-b323-44d5-acc2-e02f9902c472

I hope this will help with your situation. Please feel free to reach back if you have further update or more questions.

Best Regards,

Answer 2

For an unrecognized Microsoft charge such as “Microsoft *Text to image,” the next steps are:

1. Check what the charge is for
   • Sign in to the Microsoft account dashboard and go to the Manage your payments page: Manage your payments.
   • Locate the payment method that matches the card with the charge and select Investigate next to the transaction if available. This helps identify whether it is a subscription, app, or in‑app purchase.
   • You can also review your order history by signing in at account.microsoft.com/billing and checking Payment & billing > Order history for any Completed or Redeemed orders that match the amount and date of the charge.
2. If the purchase is accidental or unauthorized
   • For accidental or unauthorized purchases, request a refund using the guidance in Returning items you bought from Microsoft for exchange or refund (apps and games purchased from Microsoft Store).
   • If there is any sign that someone else used the account, follow the steps to recover a compromised Microsoft account and help protect it (change password, review sign‑ins, etc.).
3. If the charge is still not recognized
   • Use the Microsoft Support channels for billing issues (Microsoft Store or Microsoft 365 billing support) to have an agent review the charge and your account details.
   • If Microsoft and support tools cannot locate the transaction on any of the Microsoft accounts, contact the bank or card issuer to dispute the charge as potentially fraudulent. This may result in a chargeback (a transaction reversal initiated by the bank or card provider).
4. Prevent future unexpected charges
   • Review and cancel any unneeded Microsoft subscriptions associated with the account.
   • If children or family members use the account or payment method, enable family features such as requiring an organizer’s approval before purchases.

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References:

• How to investigate a billing charge from Microsoft
• Cancel an order or pre-order from Microsoft Store
• What is a chargeback?
• View your Microsoft Store order history