How can I speak to Microsoft about a fraud/criminal activity on my account?

Hello, first it's a pleasure to be able to help you today.

My name is welcome to the community.

Hello BobH_237, if your account has been hacked and you have already tried the form but have not been able to recover it, you should contact Xbox Customer Service via chat and request an ATO (Account Takeover), this is because this forum is public viewing and unfortunately as independent consultants we do not have access there is some data and procedures that Xbox Support has.

In order to speak with support create a new Microsoft account so that you can log in and speak with them.

However, ATO is a similar procedure to the online form, but done by a Microsoft agent, it will need as much information as possible for you to do the procedure.

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

Here in the community we are independent consultants, so we do not have access to the same information and tools that support has.

Each account recovery case is unique, and if you request the ATO, you must wait for a response from Microsoft's investigation department.

TenthStreetRed -- Microsoft's policy is no refunds and suggesting otherwise is inappropriate. This incident does not amount to fraud because there was no criminal activity performed. His account was accessed on his console, no password was circumvented,
no lies were told... no fraud was committed.

Microsoft is pretty good about giving refunds, except in the case of DLC. DLC is not eligible for refunds, so if that's what was fraudulently purchased, you need to contact your bank immediately.

If you're lying about this person because of childishness, stop here. Criminal charges can result for lying about fraud too.

Banks take fraud very seriously, and you need to report it as soon as possible. They will likely have to issue you a new card, but it will prevent this person from making further purchases. They'll liaise with Microsoft and appropriate authorities. You
can't post his name here, but you can give it to them, and criminal charges may result.

How can I speak to a live person on the phone with Microsoft about an issue on my account

No, but when they create a fictitious event, ban you for it, and then refuse to explain how you could possibly have sent threatening voice messages when you don’t even own a microphone, they are denying you the service they contractually agreed to while
still taking your money, despite the fact that you did not violate the contract (even the changes they recently tried to unlawfully implement without user agreement in the hopes that nobody would notice).

There’s a legal term for this. It’s “Criminal Fraud”, and the incredibly disreputable Microsoft Corp is absolutely synonymous with criminal fraud.