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I bought my son gold well its so hard to get the auto renewal off and i tried and tried and tried to get it off... was making me mad... well couple of days saw my bank account $85 gone. this is oct. 18 So I chatted with a guy and said i will get a refund back 24-72 hrs. Well i havent received anything in my bank. So I chatted with a girl she said it got refunded. i said not into my bank. She said on your microsoft account it says refunded. It does say that. She said sorry the guy didnt provide you with the right information. On the microsoft account is 24-72 hours but the bank is going take 1 or 2 billing cycles. So im guessing 1 or 2 months.. They can take the money faster than u can blink but cant refund it as quick. Im still waiting to get it back. I know its my fault but make it easier to get your card off from auto renewal and the guy told me i can setup the xbox so kids cant buy anything. i didnt know that at the time.