Bill on my 86 year old mother's credit card from Microsoft and we dont have access to her MSFT account to investigate (and cancel). She is incapaciated . We need suggestions on how to cancel any recurring charges

Options are limited without access to the Microsoft account, because account access and cancellation normally require signing in to the account that owns the subscription.

Practical options:

1. Check whether the charge can be identified from Microsoft billing tools.
   • Go to the Microsoft account dashboard Manage your payments page and select Investigate.
   • Common causes of an unexpected Microsoft charge include a subscription with recurring billing enabled, a family member using the card, a previously declined charge being retried, a pre-order or split order shipping, or an in-app purchase.
2. If the subscription can be located and the correct account is found, cancel it from Subscriptions.
   • Go to https://account.microsoft.com/services.
   • Find the subscription and select Manage.
   • Select Cancel and follow the prompts.
   • If Turn on recurring billing appears instead of Manage, the subscription is already set to expire and should not renew again.
3. If the charge is not recognized or the account cannot be accessed, use the bank or card issuer to stop future charges.
   • Microsoft’s guidance for situations where access is not available is to ensure subscriptions are cancelled by closing the customer’s bank account or credit card, revoking authorizations, or informing the bank.
   • This is the most direct option when the account credentials are unknown and the account holder is incapacitated.
4. If the charge was recent and the subscription is found, review refund eligibility.
   • Refund eligibility requires cancelling the subscription first.
   • Not all cancellations result in a refund.
   • If the charge is unrecognized, use Manage your payments to investigate it.
5. If the charge continued after a cancellation, check timing.
   • A charge can still occur if cancellation happened too close to the billing date. Cancellations must be made more than 2 days before the billing date.

For this situation, the clearest path is:

• First try Manage your payments → Investigate to identify the charge.
• If the correct Microsoft account cannot be identified or accessed, contact the card issuer immediately to block recurring Microsoft charges or replace the card if needed.

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