Am shocked money taken out of my Bank Account £79.99 by Microsoft

Check your purchase history on your Microsoft account here, and see if the transaction is there. https://account.microsoft.com/billing/orders If it is, then someone in your household may have purchased it without permission. If so, try and get a refund for it here xbox.com/refund. If it is not there, then someone may have your bank details, which you should contact your bank about to get your money back.

Money was taken out of my bank account 47.95 is the amount taken out and I am unaware of what was purchased with that money and would like it back

Hi there! This is Ronnie, an independent advisor.

Nice to meet you and I hope you are having a great day!

I understand you need help with your charge from your account.

Just a heads up, you need to have access to the account in order for you to request a refund on the transaction if this is coming from the account that you owned.

If you are having issues logging in because of the password and you do not have access to the security proofs, please fill out the recovery form here:

https://account.live.com/acsr

Once you already have access to your account, you can always request a refund on the transaction from the order history:

https://account.microsoft.com/billing/orders/

If in any case, you will not be able to get access to the account, it would be best to reach out with the bank and to stop any recurring payments from the account and to dispute any charges.

I would like to have Customer services phone number to call them

No it does not show up but is shows that the money was taken out by Xbox on my bank account