Microsoft auth and billing is infuriating. I once made the stupid mistake of signing up for a trail of Office 365 through an account managed by a company I was

Microsoft auth and billing is infuriating. I once made the stupid mistake of signing up for a trail of Office 365 through an account managed by a company I was doing contract work for. We were developing a Team apps. Anyways, I used my personal credit card for the trial, completely forgot about it and finished that contract. After a while, that company was bought and merged with another, basically disappearing as far as their own infrastructure goes. The trial ended, Microsoft start charging my credit card, and it was literally impossible to stop it without access to the account that was managed by the now defunct company. While it was pretty hard to talk to an actual person, I did twice, and after months of back and forth via email, I was advised to just do a charge back with my credit card company. Microsoft (probably automatically) disputed the chargeback, and I spent many more weeks disputing the dispute, having to prove to my credit card there was no way to cancel and Microsoft actually told me to do a chargeback. I'm sure I'm somehow banned from Microsoft accounts using that credit card, although I've never tried.