Account needs to be unlocked

Why is my account locked. You can not charge my card without my approval. There was no card on my account for a long time. After putting one on there. My card was charge with some services that I never received, used or approve. If anyone should be upset it should be me!!!! I DID NOT APPROVED ANY OF THOSE CHARGES! How can you just take my card and charge it! Now I’m afraid to put a card on it because I feel apple & iCloud is not trustworthy & have employed people that want to make themself look good by collecting money not caring if the claim is legitimate. I will not pay for a service I don’t have. They even went back and charge me for accounts I had closed. I always thought Apple stood for something good. That’s why I have purchased 2 Mac computers, 6 iPads, 2 iPods 2 I phones & 2 I watches. If this is the kind of practice that Apple approves of then I’m going back to Samsung! I’m a RN & I use my phone for business purposes & many of my bills are paid using my apps. I can’t use them without updating them. Can’t update them unless you unlock my account. So please unlock my account. Thank you