Microsoft 365 features that help users manage their subscriptions, account settings, and billing information.
why was I charged 12 dollars for a plan I never used
You will be charged if you sign up for a trial version and forget to cancel it in time. I don't know if that is what happened in your case. Your account should provide the details. Go to https://account.microsoft.com/services . You can also cancel the subscription from there.
If it turns out that further troubleshooting is necessary, see https://support.microsoft.com/en-us/account-billing/how-to-investigate-a-billing-charge-from-microsoft-398c5328-364c-d5e4-ea8f-f5ad60562a93 .