Copilot running off of a 365 personal account

This is a living hell dealing with Microsoft I've had numerous developer tickets put in since the middle of August and yet nobody has gotten back to me you call everybody nobody can talk to each other's departments I am having an issue with Microsoft Copilot running off of a home 365 personal account Microsoft has crashed my computer has done unbelievable and waste amount of time I can't even get a hold of anyone to look into what the problems are between billing Technical Support and what the actual unit is doing and why it continues to tell me I'm out of task credits the next fact is it continues to ghost on me forgetting about the information I gave it or when it turns around and says I'm gonna generate a task start button it never does it's like this thing is ghosting on something and it's sucking up all my credits I don't get what's going on and how do I fix this this is not my problem as an end user I shouldn't have to troubleshoot Microsoft and talk between three different departments can somebody please look into what is going on on my account I need help today