I am Not sure as to why apple is charging my card but it isn’t my money that they are taking and I need to dispute it and refund it

This is primarily a user-to-user support forum; other Apple users like you. We don't have access to information about charges to your account. See each of the steps in the following instructions. They include information on contacting Apple Support if the other steps don't help: If you see 'apple.com/bill' on your billing statement - Apple Support