Hi Brian,
Welcome to the Microsoft Community. I fully understand the loss that being incorrectly debited can cause you.
This is a technical discussion community is not authorized to investigate issues regarding subscriptions and payment, but I will point you in the right direction.
The best way to handle investigating this issue and getting a refund is to contact Microsoft's department at Billing & Subscriptions for one-on-one assistance.
Contact Microsoft Support.
Visit this website: Contact - Microsoft Support
Type Contact in the search box.
Now click Get help, and Select Contact Support or sign in to contact support below.
Go to the Products and services tab, and choose either Microsoft 365 and Office category.
On the Category tab, choose Manage My Subscription.
Go to Confirm.
You can now choose the option of Chat with a support agent on your web browser.
The following images indicate in detail the steps to contact them:



Please Note: The Chat support team only works at certain work times, (Monday to Friday: 9am to 6pm. Saturday and Sunday: 10 a.m. to 6 p.m.)so if the last window says you are not available, try to open it again the next day. If you prefer phone support, you can leave a phone number. That way, they can call you and help you.
Thank you for your patience in reading, we hope this information has been helpful to you.
Best regards,
Ian - MSFT | Microsoft Community Support Specialist