Hi zebra,
Microsoft accounts store payment details separately from sign-in credentials. Even if you can’t log in, the subscription continues because the billing system is active. Recovery attempts fail when:
Security info (Authenticator, phone, backup email) is missing or outdated.
The account recovery form doesn’t provide enough correct details to verify identity. There’s no instant bypass, but Microsoft Support can help revoke the subscription or reset your security info after confirming your identity. Once you regain access, update your recovery options to avoid this in the future. What You Can Do is:
Try Account Recovery Again
Go to https://account.live.com/acsr Enter your account email and provide as much detail as possible (recent subjects, contacts, billing info).
Contact Microsoft Support
Visit Microsoft Support Contact Page
Choose Account & Billing > Xbox Game Pass.
Select Chat with an agent or request a callback.
Explain that you lost access to your account and need help stopping charges or regaining access.
Cancel Charges via Payment Provider
If you can’t recover the account quickly, contact your bank or card issuer to block future charges.
Prepare Verification Details
Last known password
Billing info linked to Xbox Game Pass
Device details previously used to sign in
Let me know how it goes, Happy to help!