$18,000 in unknown Charges

Question

$18,000 in unknown Charges

Patricia Vargas-Browning 0

I have been getting charges on my credit card for about 8 months now. Totally $18,000
I have Multiple charges in the same month of $1,320.00 - $29.78 - $924.00 - $398.20 - $462,00 - Multiple times a month.
I have got in touch with my credit card and they said those are valid charges. How come ?
I have got in touch with the Microsoft Support and They said that none of the products they have cost $1,320
I am at loss here. No one seems to help!
Can anyone from Microsoft help me ?

The only product I have is microsoft 365 which cost me $129/ year - No kids, no x-box charges - nome of this./

0 comments

1 answer

Your answer

Answer 1

EmilyS726 270.5K Independent Advisor

If you cannot locate the charges on your Microsoft account at all, it's possible that your credit card has been compromised. This means unauthorized charges may have been made on someone else's Microsoft account using your credit card. In such a scenario, you should contact your credit card company to open a dispute case. Microsoft is unable to directly investigate issues related to someone else's account if you contact their Billing Support directly. However, once a dispute case is initiated by your credit card company, Microsoft can then respond specifically to those claims through the dispute process with the credit card company. This is the appropriate channel to resolve such issues, as it ensures proper verification and handling of the unauthorized charges.

Patricia Vargas-Browning 0 Reputation points

2026-08-27T20:28:46.14+00:00

I Have tried! Both Ways. CC company says those are legit. urgh
EmilyS726 270.5K Reputation points Independent Advisor

2026-08-27T20:42:14.3966667+00:00

When your credit card company says the charges are "valid," I would ask them to clarify exactly what they mean. A transaction can be successfully processed by a legitimate merchant and still be unauthorized by the cardholder. You need to very clearly tell your CC company that you did NOT authorize those charges. "Dispute" is a standard feature from CC companies. I would be very surprised if they deny you that right.

I would contact the credit card company again and ask specifically for their fraud department, rather than simply asking whether the charges are valid. Tell them that you did not authorize these transactions and that you believe the card/payment information has been compromised.

Microsoft also recommends telling the bank that the card has been compromised, because simply disputing individual charges may not prevent additional charges from occurring.