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I cancelled the auto pay on my xbox live subscription and fir the past two months Microsoft has been taking money from my bank account,I just noticed because my bank account is now negative, I called then thinking I'd get a refund and the customer service agent said that because of thier policy they are not allowed to do so,So thier policy is to go into someone's bank account and take thier money with no permission to do so and not refund them,Sounds to me like they are in the buisness of stealing from people,NOT GOOD,I will pursue this further,I've been robbed by Microsoft WOW!