Sorry to hear you're having trouble.
As has already been answered, the system will try again to remove the payment for your pre order. Just for clarification for next time though, when you pre order a game payment will not be attempted until within 10 days of the game release. This does not apply for currency on your account. If you have currency on your account that you're paying with then payment will come out immediately.
Please note that for future reference you should start an online chat via https://support.xbox.com/contact-us for issues with games and pre orders. :)