I have charges on my card

1

If you are unable to access the account associated to the subscription, try using the steps on this link to recover your Microsoft account.

https://support.microsoft.com/en-us/accounts-billing/manage/help-with-the-microsoft-account-recovery-form

2

If you are still unable to access the associated account, you cannot resolve this yourself, try stopping the payments at your bank.

This forum is just a user to user forum, no-one here has any account access, you will need to contact Microsoft Support directly, try using this method to contact their support.

Go to this link: https://support.microsoft.com/contactus

Select Microsoft 365

Click 'Get Home Support'.

In the box provided, type billing.

Press Enter, then on the next page, scroll down and click 'Sign in to Contact Support'.

Navigate to Microsoft 365 and Office - Manage my Subscription.

Select the 'Chat with support agent in web browser' option