I’m being charged for stuff I’m not buying
its not letting me refund anything and my card is being charged a Apple bill
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If you're sure that those charges come from Apple (check your bank statement very carefully, ignoring scam messages that might be addressed to your iPhone), start reading this support page:--> Subscriptions and Billing – Official Apple Support, and check each of the first 3-4 sections.
If you cannot find the information you were looking for, please contact iTunes Store Support Team directly and explain your problem, using this specific link:--> Apple Support
Regards
Giulio