Please note that almost nobody posting here works for Apple, we're just users like you, trying to help others. Even those few who do work for Apple will just direct you to the same resources since they do not directly handle customer issues. We use our familiarity with Apple products and support documents to advise you but there is nothing we can actually do for you. I presume you have started some kind of formal procedure with Apple? If all you do is stop payment on a card then all Apple knows is you are defaulting on payments and will disable your account until you pay what is owed.
Normally what you do is pay what is owed and then request a refund. To "Request a refund for apps or content that you bought from Apple" click on this link --> https://support.apple.com/HT204084