Done everything still can’t close account

I can't close my microsoft account.  I receive the following message when I try: "You need to cancel any paid services or Microsoft Points account associated with your Microsoft account.". I have gone to the transactions and there are none, and I'm noting that this problem has occurred before with others in this forum.  I am constantly having my contacts accessed and I would like to shut the account down once and for all.  You have permission to access and close my account. Thank you.