Hey there! Nice to meet you!
The subscription may have been charged on a different account.
Kindly follow the guide through the official Microsoft website to investigate the $99.99 charge from Microsoft through this link:
If you're able to find the transaction, you can check if it is eligible for a refund through this link:
If you are unable to find the transaction in all of your accounts, you'll need to contact your financial institution/bank directly to dispute it, and they may process a refund, as this would be considered a fraudulent charge.
You may also need to have your card blocked and request a new one.
Thank you for your understanding! Please let me know if you need anything else.
Best regards,
Darhyl