Unable to remove payment methods & support is useless

I know there are other similar topics, i've spent the past 4 hours trying to get help through the online chat, calling in, etc. I get pushed around between teams, misgendered constantly (despite sharing pronouns up front & repeatedly asking them to correct themselves), and nobody helps me at all what so ever.

I have expired payment methods on my microsoft account at this page: https://account.microsoft.com/billing/payments. Like expired in 2022.. Additionally, these cards display my deadname which is extremely stressful to me.

When I try to remove either payment method I get the following error:

"We couldn't remove your MasterCard ending in **********:

If your payment method is associated with an Azure subscription, remove it in the Azure portal.

If you don't have an Azure subscription, contact support."

Here's the issues

• I don't have any active subscriptions with microsoft anywhere, for any product.
• I don't even have access to Azure portal.
• I don't have a commercial/business/enterprise account.

When I talk to the chat support, they tell me that they can't do anything and I need to contact "commercial" support. They give me links to open "issues" or "tickets" but I don't have access to those areas, they literally just say "No Access".

Those chat agents direct me to contact sales so that I can at least talk to a human. When I do that, I get pushed around and CONSTANTLY misgendered even after sharing my pronouns and correcting them several times. They say "oh you don't have a business account, there's nothing I can do. You need to contact support through the website." And the loop continues.

I cannot believe how difficult it is to remove EXPIRED and UNUSED payment methods from my account. It's absolute insanity on the part of Microsoft, utterly infuriating, and on top of all that they are so wildly unprofesional with zero empathy and not a single person has been willing to just say "hey yea that's super frustrating, i'm gonna help you get to the bottom of this". Every single person is like "oh not my problem, oh well".

What do I have to do to get this fixed? And now when I call any Microsoft phone number the bot says "if you have an issue with your account or billing, visit our website" an then immediately hangs up. Chat continues to tell me to contact "commercial" support (which, again, i don't have access to) or call the sales number which results in that same bot message followed by "click".

So.. can anyone out there help? Is there a MS employee reading these that can actually help? Do I need to escalate things through the courts? This is seriously the worst experience ever, and I'm so very done with microsoft. It's utterly absurd that it's so difficult to remove expired and unused payment methods.

And there's not even a "billing" or "account" tag here so .. who knows how this is going to go....... there needs to be a tag that's just "Support" or "billing" at the very least.