Refund needed.

You know for a fact than you didn't purchase anything from Microsoft, and ...

You checked the payment history in your Microsoft account and confirmed it.

So now you must ask yourself: Who else knows my payment card details?

If the answer should be "no one" then you've got a problem. Contact the card issuer immediately.

Hi, good day!

You can try following the steps in the link below to identify what the payment was for.

https://support.microsoft.com/account-billing/how-to-investigate-a-billing-charge-from-microsoft-398c5328-364c-d5e4-ea8f-f5ad60562a93

Once you've identified what the payment was for, follow the instructions in the link below to cancel the associated subscription or service and, if eligible, request a refund.

https://support.microsoft.com/en-us/account-billing/how-to-get-a-refund-on-a-microsoft-subscription-67dca30b-b323-44d5-acc2-e02f9902c472

If that doesn't work, please keep in mind that this is just a user-to-user forum, no one here have access to your Microsoft account or billing information. Since resolving your concern may require access to sensitive account details, your best option is to contact Microsoft Support directly so they can securely review your account and assist you further.

You can contact a Microsoft support agent by following these steps:

1. Go to the Microsoft Contact Support page: Microsoft Contact Support
2. Select Microsoft 365.
3. Click Get Home Support.
4. In the box provided, type billing and press Enter.
5. On the next page, scroll down and click Sign in to Contact Support.
6. Sign in with the Microsoft account associated with your subscription.
7. Click Contact Support
8. Under Products and services, choose Microsoft 365 and Office.
9. Under Category, select Manage my Subscription.
10. Choose Chat with support agent in web browser to start a live chat with a Microsoft support representative.