If I could give negative stars I would. Today I found out once again that my account was charged for a service I did not order. This has happened before. I am wondering how they even did this since I removed my payment history online but it was still on there so I called and had it removed. This was when you could actually talk to someone. I checked my Xbox accounts on my system and like evil magic there was all my card info that I was told was erased. Mind you I checked after the prior phone call and it was erased. Today however I chatted with them because I was on hold for over thirty minutes and I couldn't even get to the right people because when you on the phone and you Xbox it will tell you to go online then hang up so I had to go through the Microsoft office and have them transfer me to Xbox. Well back to chat I was told once again my info was removed but I am sure it will reappear so I am getting replacement cards. I was charge 10.91 on a card which was suppose to be removed. The chat rep informed me to fill out a form online which I have no idea why you do this to customers when you should be doing it as cs reps. I filled the form and informed the chat rep I did to just get and answer of , "Great all you have to do now is wait for an email to see if they approve your refund,." So you steal money from my account which you shouldn't have info to because I removed my info so you hacked me as well and your answer is to see if I am approved? I asked to be transferred to someone in refunds. Io was told he couldn't do that. Asked to speak to manager I was told they were to busy to speak to me. Ask for a phone number for refunds I was told didn't have a direct line, I could call the customer service line again. So basically I got no help and I feel like I have been scammed. I have read other reviews and Thur were denied a refund and couldn't even get a hold of anyone to dispute it. I will never use anything made by Microsoft again. I believe they should be sued for all the money they have stolen and as soon as I hear about one I am jumping on bored. I am going to PlayStation and other office products. I suggest you do the same. Why should we continue to give our money to a company who treats us like we don't matter and what they say goes?