"Here's another link:
[www.usa.gov]
I don't know that it's any better or worse than the "missing money" link cited by the OP, but it does appear to be the official US government site for such matters.
Click the links to dig deeper."
"And ANOTHER thing -- I'm understanding that this is a pre-paid service, and it does seem that Microsoft should have shut off service once the pre-paid hours were completed -- but perhaps they extended the service as a "courtesy." If the OP continued to use the service after the pre-paid period, I could see Microsoft having a "quantum meruit," pro-rated claim for the services used -- and that they may have a valid reason for a collection agency to go after that amount.
Trying to collect anything more than that "quantum meruit" amount would need to be supported by the terms of a contract that the OP agreed to."
"I tend to use my CC only for online purchases and expensive items that I want covered by the CC's purchase protection benefits.
Because I completely review my CC bill each month to make sure it is accurate, I want it to be as simple as possible."
"Battery dying but usairways is ateabdung 200 of us in Dominican republic and saying we have to leave airport without any hotel.
It sounds like things were handled badly when this flight had to be cancelled, but forcing these passengers to eat a bug seems completely uncalled for."
"I cannot possibly think of a better way for the government to use my tax dollars than to fund regulation and control of internet content.
Wait -- what??"
"Adding: yes, obviously this sort of thing can happen occasionally, and a company should not be pilloried when it happens, but the company's response should be, "OMG, we can't believe this happened," not, "Yeah, you gotta expect the occasional lizard ."
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