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Microsoft is getting rich from parent's mistakes and lack of tech knowledge. My son has placed so many unauthorized charges on my accounts that I've lost count. You can't actually talk to a customer service representative, you have to go through an online chat. These reps mean well, but are very limited in what they can do. Of course, the refund "deciders" are not available to speak to you. I had put a pass key on my son's Xbox. I didn't find out until >$400 later that his system had been set up as an "adult" system so, therefore, all he had to do was turn off the pass key requirement and bang, hundreds of dollars worth of charges. I explained that we couldn't afford to lose that kind of money and as far as I am concerned their security options are ineffective. I am furious with this company and they have THE WORST CUSTOMER SERVICE I've ever seen. I have asked repeatedly by email that someone call or email me to discuss this rip off, but I have heard nothing. They are getting rich off the backs of hardworking parents who want to make their kids happy but who aren't tech savvy. All these purchases are for "virtual" merchandise and they would lose very little by fairly refunding at least the largest purchases. I even threatened to contact an attorney, but that got no response either. Horrible company!!