Xbox support cant help me cancel game pass?

I had game pass on the 3 month cycle. Meant to cancel it before the next cycle, but it rolled over on the 11th and i didn't realize until the 18th. it was a bad time and my card declined the payment. I sent in email request from support to try to get it
cancelled and remove the charge from my account but i got an automated email that told me i couldn't.

So I talked to a man named Eko with Xbox support over the phone today, and he told me they can't cancel it or get rid of the charge, but if I let the ENTIRE 3 month cycle finish WITHOUT paying, it will just cancel by itself, and I won't have to pay. This
is just very odd and doesn't make sense.. and I don't understand why I can't get help trying to cancel this subscription that accidentally happened. Has anyone else had a similar case?

:)