Getting monthly charge on my credit card. cannot locate subscription on any of my account

The charge is most likely coming from a recurring Microsoft subscription or purchase that is not visible in the accounts being checked, or from a business/enterprise billing profile that is not linked to those personal accounts. Use the following steps to track it down and stop future charges:

1. Investigate the charge in Microsoft’s system
   • Go to the Manage your payments page of the Microsoft account dashboard and select Investigate for the unrecognized charge: Manage your payments.
   • This flow is specifically designed to help identify:
     • Subscriptions with recurring billing enabled.
     • Purchases made by family members or others using the card.
     • Previously declined charges that were later processed.
     • In‑app or other digital purchases.
   • More details on this process are here: How to investigate a billing charge from Microsoft.
2. Check all possible Microsoft accounts and order history
   • Sign in at account.microsoft.com/billing/orders.
   • If there might be more than one Microsoft account, sign out and try each possible email address.
   • After signing in:
     1. Select Payment & billing > Order history.
     2. Under Refine, set a date range that covers the months where the $100+ charge appears.
     3. Look for any orders with Completed or Redeemed status around the dates of the credit‑card charges.
   • If the matching order is found and it is a subscription, follow the “Cancel your Microsoft subscription” link from that page to stop future billing.
3. If the charge is a Microsoft 365 or other subscription and a refund is needed
   • First cancel the subscription from the account where it is found. Not all cancellations result in a refund, but cancellation is required to check eligibility.
   • Then use the refund flow described in How to get a refund on a Microsoft subscription.
   • If the charge is not recognized at all, use the same Manage your payments “Investigate” flow to handle unrecognized charges.
4. If the subscription or charge still cannot be found
   • Use the general Microsoft account help entry point and choose the billing options:
     • Start from Get help with your Microsoft account and select:
       • Cancel subscription or Investigate a billing charge.
   • If Microsoft Support cannot locate the transaction under any Microsoft account, contact the bank or card issuer to dispute the charge as potentially fraudulent. The Q&A guidance indicates that in such cases the bank can block the card and process a refund if appropriate.
5. If this is tied to a business/enterprise agreement
   • If the charge is truly from a business/enterprise billing account (for example, an Azure or Enterprise Agreement subscription), only the account owner or enterprise admin can see and manage those charges.
   • In that case, the organization’s EA contact or billing admin must review the Azure/EA billing account and cancel or adjust the subscription there.

Following these steps will either surface the hidden subscription so it can be cancelled and possibly refunded, or provide enough information to dispute the charge with the card issuer if it is not associated with any accessible Microsoft account.

References:

• How to investigate a billing charge from Microsoft
• How to get a refund on a Microsoft subscription
• View your Microsoft Store order history
• Get help with your Microsoft account
• Cancel a monthly charge on my visa credit card - Microsoft Q&A
• Request refund - Microsoft Q&A
• Can I speak to someone? -- Billing issues - Microsoft Q&A