Need to speak with actual human

To speak with a human about a Microsoft 365/Office subscription refund and billing issue, use Microsoft Support rather than the automated tools.

1. Go to the Contact Microsoft Support page: https://support.microsoft.com/contactus/
2. Sign in with the Microsoft account that has the subscription.
3. Select the product category for Microsoft 365/Office (for home use, choose the Microsoft 365 & Office or similar option).
4. Under the issue type, choose something like “Manage my subscription” or “Billing and Payment updates.”
5. Proceed until the Contact Support options appear.
6. Choose either Chat with a support agent in your web browser or the callback/phone option (such as Call me back) to speak with a human.

If the issue is specifically about a refund for a Microsoft subscription, also review and follow the steps in the refund article to check eligibility and start the process: https://support.microsoft.com/en-us/account-billing/how-to-get-a-refund-on-a-microsoft-subscription-67dca30b-b323-44d5-acc2-e02f9902c472

If online tools or automated phone systems fail, the live chat or callback options from the Contact Support flow are the supported way to reach a human agent for billing and refund issues.

References:

• How to get a refund on a Microsoft subscription
• Can I speak to someone? -- Billing issues - Microsoft Q&A
• Request a refund - Microsoft Q&A
• refund please - Microsoft Q&A
• Request for Refund – Accidental Charges in Pay-As-You-Go Subscription - Microsoft Q&A
• overcharged for microsoft 365 family classic - Microsoft Q&A