Why did you withdraw money for an Apple Music subscription, but never subscribed?
When will my subscription money be refunded?
iPhone 12 Pro Max, iOS 14
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Check your active subscriptions: link-> How to cancel a subscription from Apple - Apple Support
If it's not there, make sure nobody is using your payment method and you are not the organizer of a Family Sharing group.
You can log in to https://reportaproblem.apple.com and request a refund from Apple.