billing and account issues

The most likely reason for a recurring monthly charge from Microsoft is an active subscription with recurring billing turned on, possibly under a different Microsoft account than the one being used.

To find out exactly what the $28.60 charge is for and which account it belongs to:

1. Go to the Manage your payments page of the Microsoft account dashboard: https://go.microsoft.com/fwlink/?linkid=2246882
2. Locate the unrecognized charge and select Investigate. This tool walks through the most common causes, such as:
   • A Microsoft subscription with recurring billing enabled.
   • A purchase or subscription made by someone else in the household using the card.
   • A previously declined charge that was processed later.
   • In‑app purchases or other digital purchases.
3. If there are multiple Microsoft accounts, repeat the check while signed into each one to ensure the charge is not tied to a different account.
4. After identifying the subscription, sign in to the correct account and either:
   • Cancel the subscription or turn off recurring billing so future charges stop.
   • If the charge is unexpected or unauthorized, request a refund where eligible.

If the charge still cannot be identified after using the Investigate tool on all accounts, contact Microsoft Support directly from the billing help pages, or contact the bank/credit card provider to dispute the charge as potentially fraudulent.

References:

• How to investigate a billing charge from Microsoft
• Unable to cancel your Microsoft subscription
• I can't sign in to my Microsoft account
• investigate a billing charge - Microsoft Q&A
• Cancel a monthly charge on my visa credit card - Microsoft Q&A