My bank says there are some Msft charges that I dont recognize

Those are usually verification charges that will drop off on their own. If it's not allowing you to actually buy the gold, you'll want to contact support and speak to billing. http://support.xbox.com/contact-us

What do you mean "2 per trying?"

MS would not charge extra unless your bank has a fee for online purchases attempts.

Hello ,I have had a number of payment taken from my account ,on the bank statement it says msft Xbox

But there is no reason why ! I looked on internet as some just said msft ,an found others had the same problem .I would like my money back ,an answers why Microsoft as able to do this ,I have direct debts declined as Microsoft have already taken money with
out my knowledge ,an I've incurred charges due to this .

For some reason, after I try to purchase game pass with my account balance, it says to approve the payment from my banking app, saying I will be charged 17.99 on my banking app when I already have sufficient funds on my account.

What is the issue here, and will I actually be charged on my card?

Hi Mim! My name is Ricardo an independent advisor ready to help you with this situation!

If the charge was not on any Microsoft account that you have access to, you need to contact the bank and report those charges as not recognized so they can do the proper procedure to investigate and block the charges on your bank account