Fraud Charges

I was just notified that there are 5x19.99 charges from Apple.com on my Chase Saphire Card. I did not make any purchases like this through Apple or iTunes. It was flagged as a fraud charge, and I guess whoever tried to charge initially got it declined, but then somehow it got authorized for 5x charges. Who do I need to talk to about this. The bank says I need to discuss with merchant...