I was charged .99 cents multiple times that I never set up

Click on the link to read how to "Downgrade or cancel your iCloud storage plan" on an iOS device, a Mac, or a PC. --> https://support.apple.com/HT207594

You probably did agree to something without really reading it. People are so used to seeing a long list of things they just automatically agree without reading.

In addition to the advice Limnos posted above, see - If you see 'apple.com/bill' or an unfamiliar charge on your statement - Apple Support.