I have over $9k in fraudulent charges on my credit card.

Hello @KathyKing4!

I'm sorry for the inconvenience this situation is causing you.

Unfortunately, since the credit card is not linked to your Microsoft account and there's no purchase under your order history, no one on the Microsoft team can do much from their end neither can they speed up the refund process.

You are limited by your bank and proccessing time

Hello, how are you? My name is Mateus. I'm an Independent Advisor and I'll be glad to help you today.

First, welcome to the Xbox community.

We appreciate your coming to the Xbox community, and we're sorry you had this issue. Unfortunately, as there is no purchase history in your account, you will not be able to expedite the refund process. You will need to wait for your credit card bank to refund you, as only they have the information on the day these orders were placed, because as you said there is nothing in your purchase history.

*We thank you in advance for contacting us, and once again we are very sorry that you have gone through this type of situation.

I never said they were XBOX Live transactions. They were for purchases from Microsoft made online. The first time it happened I applied for a card only to use with XBOX Live. Two years later fraudulent charges started. The second time I used a credit card
I had for over 10 years without a problem. One year later the fraudulent charges started. The first card only had 1 charge for Microsoft Purchases of over $1000. The second card had one charge for over $1200 to Microsoft and then 6 days later a charge for
another online retailer. I have four credit cards that I have had for over 10 years. I have never had any fraudulent charges on any of them. Do you think it is a coincidence that the only two credit cards linked to an XBOX live account ended up with fraudulent
charges? Is it also a coincidence the both cards had large Microsoft online transactions? How about when I call support about my account and they never confirm or deny that someone got my credit card info when I ask.them. Nothing is impossible, I think the
hacking community has proven that over and over.

I agree. That was my issue --- fraudulent charges on the credit card. I contacted the credit card company, and they addressed the problem. Unauthorized charges and a compromised card number may be what happened in your situation, too.