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I cancelled mine a few months ago, and could do it through Microsoft's web site. It was a pain to find the option though.

The best way to handle Xbox payments is to buy pre-paid codes in the store and use them (assuming that's an option where you live).

This kind of stuff should be illegal. In GDPR, they put a clause that rescinding consent must be as easy as granting it, precisely because of that.

(Not that I've ever seen a site on which there was an obvious way to bring the consent popup back up after it was closed, but hopefully one day data protection authorities will unclog their pipes and the fines will start flying.)

As of 2018, it is illegal in California:

https://www.cnet.com/news/companies-must-let-customers-cance...

I cancelled through their website around 6 years ago. I didn't find it particularly hard, and it definitely didn't require a phone call, but maybe I just got lucky by randomly happening across the correct page.