Hey there! Nice to meet you!
Since you have already contacted your bank and been referred to Microsoft, here's how to contact Microsoft Support for further assistance:
Type "Billing Issue" > Get Help > Scroll down to Sign in to Contact Support > Microsoft 365 and Office > Billing and Payment Updates > Confirm > Chat with a support agent in your web browser
For Xbox Support: https://support.xbox.com/en-US/virtualagent
Thank you for your kindness and understanding! Please let me know if you need anything else.
Best regards,
Darhyl