Microsoft 365 features that help users manage their subscriptions, account settings, and billing information.
If you are sure that you never purchased anything with your Microsoft account - all of them, if you have more than one - and you verified this by checking the purchase history in each of your accounts, seeing nothing there, and yet your credit or debit card was charged $548 for a Microsoft product, then I'm afraid to say that your suspicions are likely true: Someone unknown to you has stolen your payment card information, and used it to buy something from Microsoft.
In this case, you have to contact your card issuer and deal with them directly. Tell them someone stole your information and made an authorized purchase. Do it now, before the thief uses your card to buy something else.