Hello @Andrew McCalister Thank you for reaching out to us on Microsoft Q&A platform.
From the tile of the post, I understand that an Azure account was created unknowingly, and you noticed there is a charge on your card.
Since this is a billing validation issue, it involves account verification and requires some PII data to investigate the issue. Microsoft Q&A is a community platform (Public forum) and issues of this nature that involves PII cannot be handled here and can be take care of by Azure billing team. I highly recommend you reach out to Azure billing support team by raising a support request. The ticket enables you to work closely with the support engineers and get a quick resolution to your issue.
Here is the link - https://docs.microsoft.com/en-us/azure/azure-portal/supportability/how-to-create-azure-support-request to create support case.
FYI: Azure Billing and Subscription Management support is included in the Basic Support Plan without any charge.
https://azure.microsoft.com/en-us/support/plans/
Hope this helps. Let us know if you any further assistance!
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