Microsoft xbox is *****ing my money

I keep being charged for someone else's Microsoft xbox gamepass account and the more I try to sort it out, the more no one seems to help my situation. I've been told to go to my bank for a refund, but my bank can't help me because the refund should be done from Microsoft's side. Please note that I've been refunded before from Microsoft, because of the exact same problem I have now, but according to Microsoft, my bank should refund me. I don't even know how to resolve this. My last option is to leave a review here. Microsoft decided to deduct money from my bank account, for someone else's account, and they can't help me with a refund, even though it wasn't my fault and they didn't get my permission to do so. They took my money and now it seems like a helpless situation. Please be aware when doing business with them. They are sneaky and misleading. I can't do anything about my money that is lost now because they can't find the transaction on their side, and even after sending all the proof I have, they still can't help me. So please be aware so that you don't end up having the same problem as me. I had to replace my bank card too, because Microsoft is useless when trying to help