Disputed charge

Unless the charge is on your account that you own then you can not dispute the charges with Microsoft. Your best option is to dispute the charges with your credit/debit card company and let them handle the dispute with Microsoft. This is what they do
as a financial institution. It's is a lot easier to dispute credit card charges rather than debit card, takes less time.

For billing issues you should contact xbox support billing section

To call support : http://bit.ly/2ee23wg

Hi Sonia!

Thanks for reaching out to us here on the Forums!

In regards to reversing the payment, you would need to submit a refund request. Click
here to complete a Refund Request Webform.

After you submit the request, you’ll receive confirmation and follow-up emails that will include instructions on
how to keep track of the status of your request.

If you have questions about the process or have not heard anything within 48 hours please reply to the confirmation
email sent to you. Our dedicated team is ready to assist you.

Thank you and let us know if you have any questions or concerns

Hi Xbox support would be the place to start

https://support.xbox.com/contact-us

I was really tempted to say Ghostbusters but you kwow :/

I had some issues with my brother buying stuff on my account while i was away at work and i wasnt aware of where to go for a refund so i had called my bank i really dont want my account to get banned ive been with xbox for years and if it does result in
a ban will i get a warning or does it happen out of nowhere