i need help my microsoft account is having an issue

Hello SteVC2874,my name is Vanessa, I will be happy to help you.

The reason your Microsoft account is trying to charge your credit or debit card for the purchase amount is because the game amount is less than the balance in your Microsoft account.

In this case, the game value is £24.99 and your Microsoft account balance is £25. Therefore, Xbox Live does not need to use any funds from your Microsoft account to complete the purchase.

To fix this problem, you can do the following:

Add an alternative payment method to your Microsoft account. This could be another credit or debit card, or a Microsoft prepaid card.

Once you've added an alternative payment method, you can select it as the default payment method for your purchases.

Request a refund for the gift voucher.

You can do this on the "Order History" page of your Microsoft account. Once you've received your refund, you can use your Microsoft account balance to purchase the game.

If you choose the first option, follow these steps to add an alternative payment method to your Microsoft account:

Sign in to your Microsoft account on the web.

Click on your profile photo in the upper right corner of the screen.

Select "Settings."

Select "Payment Options."

Click the "Add payment method" button.

Source: https://support.xbox.com/help/subscriptions-billing/buy-games-apps/account-balance-purchase

These are basic solutions to these problems, but they can lead to a solution, remember that this is a public forum where we are players like you who want to help, good luck and happy day.

Sincerely,
Vanessa.

Hello, thank you for reaching out.

To have an account of a deceased owner deleted, you'll need to get help via email. You will need to have a Microsoft account to proceed - not necessarily the account that you need to close.

Please click this link: Get account help by email, then select I need help closing my account.

After signing in, there will be a field asking for the short description of the issue, email address in question, email address of the requestor and detailed description of the issue. You will be asked to fill out and submit a form to be able to delete the
said account.

Hope this helps!

Sorry to hear it. If you cannot log in to commerce.microsoft.com then please give phone support a call as only they can assist with billing or account specific issues.

If you live in North America dial 1-800-469-9269

Sorry, but there's not anything we can do for you in that situation. You should have an option to try resetting the password for the email, but unless you remember your passwords, there's nothing that can be done.

It may be possible to get access to this account again - it all depends if you can provide enough information to support. To regain access you need to call Xbox Live support. All being well, they should ask you a number of security questions to prove you
are the owner of the account.

Be aware that this is by no means a quick service. It may take up to 30 days.