why I have been charged monthly $.99!!

We are users like you. We have no access to your accounts (you wouldn't want us to, would you??) Use the method described in the link provided earlier. 99c sounds like an iCloud subscription. Here's how to downgrade (which probably is just the same information as the earlier link):

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

Any active subscription?:-- How to cancel a subscription from Apple - Apple Support

Any iCloud extra storage subscription?

Have you checked your bank statement? Are you sure your money was withdrawn by Apple?

Recognize and avoid phishing messages, phony support calls, and other scams - Apple Support

Most likely you bought (subscribed to) iCloud extra storage plan, as suggested by Limnos. Click on the link he provided at the end of his answer.