Being charged monthly

Best bet is to contact support but ensure you know specifically what you are referring to. What charge? How much? What service is it charged for?

You may have a subscription recurring you arent aware of or an overdue amount that has been taken

Either way they will resolve it for you

What amount are you getting charged? When you look at memberships under your account do you see one you don't recognize (Gold, Gamepass)?

Is there any chance someone else paid for a service on your account?

If you're on Xbox One, click the Xbox button, hiver over to your profile pic, click a and hover down to my subscriptions. After looking at your subscriptions, you can see if you are accidentally still subscribed to Xbox Live Gold or Gamepass. If you want
to cancel it, click on the subscription, pick the option to manage and then hover down to the bottom of the page to find a link to cancel if you don't want it.

Just remember that you can lose access to some games from your library if you cancel GamePass and lose access to online features if you cancel Live.

Best option would be to check your Microsoft Account page under Payments & Billing > Order History to see what the charge was for. If you do not see the charge, then I would click on "Get order help" under an order to get you to a page that will out line
the best way to get in touch with the right department to review your charges and understand where that charge came from and what it was for. The same process would apply if the order is located in your Order History but you think that it is in error.

Let us know if you have any questions about that process.

subscriptions like gold, game pass or game pass ultimate automatically turn the recurring billing on, please check if you have any active https://account.microsoft.com/services/