EAFC pre order

Hi Peter. You can try requesting a refund here: https://support.microsoft.com/help/10558

You can also try going to your order history to check if there's a 'Cancel Item' option: https://account.microsoft.com/billing/orders

Hello Eddie how are you?

My name is Ezequiel I'm an Independent Consultant.

Rest assured, everything is fine with your purchase.

If you used account credit to pre-order your game, your balance will be debited immediately. If you used a credit card or split your payment between your credit card and account balance, you will be charged 10 days before the game launches.
If your account balance is less than the authorized billing amount for the order, the remainder will be debited from your credit card. We'll send an email to your billing account confirming that the remainder of your card payment has been successfully debited and that the game will be available for you to play on launch day.

https://support.xbox.com/help/subscriptions-billing/buy-games-apps/pre-order-faq

Furthermore it says I don’t own the game in the Microsoft store.

If the payment failed, you would need to purchase it again.

Yeah it only does it auto after the game tries to take a quick throw in, and you don't touch the left stick. Only done it to me a few times, and I play FIFA all the time (Level 79 EAFC)