I need to cancel recurring charges to and old Discover card for an xbox account I didn't subscribe to.

Canceling the recurring Xbox charge and stopping future misuse requires both Microsoft and the card issuer.

1. Investigate and identify the charge

• Go to the Manage your payments page of the Microsoft account dashboard and select Investigate next to the unrecognized charge. This helps identify whether it is a Microsoft subscription with recurring billing enabled and which subscription it is.
• Review the most likely causes listed in the billing investigation article (for example, recurring subscription, family member purchase, or in-app purchase) and confirm which applies.

2. Cancel the Xbox/Microsoft subscription (if it is on a Microsoft account that can be accessed)

• Sign in at Subscriptions with any Microsoft account that might be associated with the card.
• If an Xbox Game Pass or other subscription appears:
  1. Select Manage.
  2. If the page shows Cancel or Upgrade or Cancel, select it.
  3. Follow the on-screen steps to cancel and turn off recurring billing.
• If the subscription was purchased through a third party (for example, Google Play, Apple App Store, or a retailer), cancellation must be done through that third party’s support as described in the cancellation article.

3. If the subscription cannot be found or canceled online

• Use the guided support for subscription cancellation if the self-service steps do not work. The “Unable to cancel your Microsoft subscription” article provides a Start link to guided support that can help locate and cancel subscriptions when the usual Manage/Cancel options are not visible.
• If the charge is tied to an unknown Xbox/Microsoft account and cannot be managed from any known account, contact Microsoft billing support (via the official “Contact – Microsoft Support” path described in the Q&A references) and provide:
  • The last 4 digits of the card
  • Charge dates and amounts (for example, recurring $22.99)
  • Any transaction IDs from the bank/Discover statements so support can locate and cancel the subscription associated with that card.

4. Work with the card issuer to protect the card

• Even though the card is canceled, coordinate with Discover to:
  • Confirm the card is fully blocked from future Microsoft/Xbox charges.
  • Dispute unauthorized charges and request chargebacks for those not authorized.
• The billing investigation article explicitly notes that unrecognized charges may be due to recurring subscriptions or family member purchases; the bank can still treat them as unauthorized if they were not consented to.

5. Request refunds where eligible

• After the subscription is canceled, review Microsoft’s refund guidance for subscriptions. The support article on “How to get a refund on a Microsoft subscription” (linked from the Q&A context) explains how to request a refund and outlines eligibility.
• Some regions allow prorated refunds depending on subscription length and country; the cancellation article lists countries with prorated refunds.

6. Prevent future issues

• Remove any stored payment methods that should no longer be used by signing in to the Microsoft account and removing them from Payment options.
• If any Microsoft account is involved, harden security (change password, enable two-step verification, and review security info) to prevent further unauthorized purchases.

References:

• Unable to cancel your Microsoft subscription
• How to investigate a billing charge from Microsoft
• Cancel your Microsoft subscription
• View your Microsoft Store order history
• Change your Microsoft subscription payment method and options
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