I have looked this up 3 times now, so I am posting it here.
Every once in awhile, WMP will add a black bar at the bottom of the display area. This is not the letter-boxing of video, as it is normal in full-screen mode and also appears while playing audio files. The bar is the Subtitle Area. To disable, Right-Click the display area, select "Lyrics, Captions and Subtitles", and choose "Off". It's gone.
Some key press activates it for me accidentally. I doubt it's the default Ctrl-Shirt-C combo; that would be awfully hard to oops. Now we know.
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