unauthorized Microsoft 1507 EDI charge on bank statement of $69.99

Question

Before I report a suspected fraud to my bank, I would like to understand what legitimate reasons might exist for this charge against my bank account.

Answer 1

Legitimate reasons for an unexpected Microsoft charge can include:

1. A subscription with recurring billing enabled.
2. A charge made by someone known to the cardholder, such as a family member, using the same card.
3. A previously declined payment being charged again.
4. A pre-order or split order shipping, which can trigger the charge.
5. An in-app purchase from an app, game, or Office product.
6. A cancellation made too close to the billing date. Microsoft states cancellations must be made more than 2 days before the billing date, or a payment may still be taken.
7. What looks like a duplicate charge may actually be a late payment and the next on-time payment appearing close together if an earlier payment initially failed.
8. Multiple Microsoft accounts using the same card. A charge may not appear in one account’s order history if the card is linked to another account.

To check whether the charge is legitimate before reporting fraud:

1. Go to the Microsoft account dashboard Manage your payments page and select Investigate for the charge.
2. Review Microsoft order history for purchases with the same amount and date.
3. Check whether any subscriptions have recurring billing enabled.
4. Check whether a family member or another Microsoft account using the same card made the purchase.
5. If the charge still does not appear in Microsoft account history, that can indicate the card was used on another Microsoft account. In that case, the next step is to contact the bank or card provider to dispute the transaction.

If the charge is for the same amount as a recent subscription payment, also check whether an earlier payment was declined and then collected later, because that can make two charges appear close together without being a true duplicate.

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