Why am I getting unauthorized charges over and over ???

If you were charged by Apple for something there are a few possibilities:

• You purchased it from the app store (or subscribed to a service) and forgot you did
• Someone you share your phone with purchased it from the app store
• Someone you share your Apple ID with purchased it from the app store
• If you have a family sharing plan, someone in your family purchased it from the app store
• Your Apple ID was hacked and the hacker made a purchase from the app store - for this one see ➡️  If you think your Apple ID has been compromised - Apple Support
• You were not actually charged for anything; the message you got was a scam to steal your identity - see ➡️  Avoid phishing emails, fake ‘virus‘ alerts, phony support calls, and other scams

The bottom line is that Apple never charges you for any purchase without authorization. So someone with access to your account must have made the purchase or subscription, if it wasn’t a scam message.

If it is a specific item on your bank or credit card statement see this link ➡️  If you see "apple.com/bill" or an unfamiliar charge on your statement - Apple Support

You can review all of your purchases as described in this link ➡️  See your purchase history for the App Store or iTunes Store - Apple Support

If it is a subscription you can cancel it here ➡️  See or cancel your subscriptions - Apple Support.

Note that subscriptions are not canceled when you delete an app; the subscription must be canceled separately from deleting the app.

And you can request a refund here ➡️  Request a refund for apps or content that you bought from Apple - Apple Support

I have several unauthorized charges on my account, and this occurs everytime I add a card. Please issue a refund and I will in the future leave the place empty when asked for a payment method

This is a user to user forum, no one here can issue you a credit. When you add a card a small hold is posted to the account to verify the account. This will disappear after a few days.