Hi, I'm John! I will help you with this.
Microsoft Q&A is public, and we can only provide information. It is beyond our capability to assist directly with the account or billing-related concerns.
Microsoft 365 subscription is tied to the original account that you no longer have access to, unfortunately, the subscription itself cannot be transferred to a new account.
The best steps now are:
Microsoft Account Recovery form is currently the only official way to recover your account. You can try it up to twice a day. https://account.live.com/acsr
- If it’s already been a few weeks, you can check this page: "Account recovery unsuccessful" https://support.microsoft.com/account-billing/account-recovery-unsuccessful-dc56c3e3-dff0-4ed5-8edb-60290eea6b53 it includes extra tips from Microsoft that could improve your chances.
Contact the bank to block or stop the recurring payment
- I also recommend contacting your bank or card provider to block those charges until your account is secured.
- I know it’s not ideal, but these are the safest ways to prevent unwanted charges while you regain control.
I really hope this information is helpful! Let me know if you have any further questions or concerns.
Regards,
John J.D.