Everyone's going to tell you to crawl through Facebook's broken support maze, but let's be real: that's a sinkhole. If it's a personal account (not a Business Manager), logging in with IG won't show it - that's just Facebook's garbage cross-platform logic.
What actually works? Block the card. Kill the payment source immediately. That's the fastest way to stop the bleeding and force their system to flag the account for a real human. Doing the contact-form dance takes days - sometimes weeks - and you'll end up shouting "connect with human" at an AI for three hours.
But if you want to try the official route, here's the actual path: go to business-support-home (Google it), click the question mark bottom left, then contact support bottom right. I've linked the exact buttons so you don't waste time hunting:
https://ibb.co/23nM3CQw
https://ibb.co/Y7KfTYRX
https://ibb.co/jZHQYhnb
Or use these direct links for payment disputes:
https://www.facebook.com/help/contact/1856425021037976
https://www.facebook.com/help/contact/1631302823792319
Check your inbox and spam - they'll reply there, not in the chat window. But honestly, the card-block hack is the only thing that's ever saved my ass. Don't trust the support tickets, they're a black hole.