Processes in Microsoft 365 for setting up Office apps, redeeming product keys, and activating licenses.
Hey there! Nice to meet you!
Please be advised that unless the account owner is able to access the account where the charge occurred, subscription cancellation/refund is not possible, and Microsoft personnel cannot retrieve this information.
You mentioned that you do not have a Microsoft account, so you shouldn't have this unknown charge.
In this case, you'll need to contact your financial institution/bank directly to dispute it, and they may process a refund, as this would be considered a fraudulent charge.
You may also need to have your card blocked and request a new one.
Thank you for your understanding! Please let me know if you need anything else.
Best regards,
Darhyl