Can you help me with billing and subscriptions?

I'm tired of Microsoft not allowing you to cancel automatic billing from the xbox, I always go to my PC to cancel the autobilling as soon as I buy gold or gamepass, I bought Ultimate with an offer and inmediatly went to cancel the automatic billing to my
PC, it didn't matter because just now I got a message saying that I owe a FULL 3 month payment for Ultimate, that doesn't make sense, I told my friends about it and another friend checked his account just in case and oh suprise, automatic billing was turned
on, even though we ALWAYS turn it off and we don't get an option to always cancel the billing for future purchases.

Please, help, if I can't get any solution for this theft I will most likely search for legal advise, I dont want Microsoft to do what they want with my card info and money, especially the fact that they won't allow me to delete my card from the payment that
I DON'T OWE.

:)