I have an iPhone 7 that won’t update and I keep getting charged $14.03 from Apple and I have no idea why.

You have asked 2 unrelated questions. For updating your phone, go to Settings/General/Software Update and report what it says.

For your charge, Here is a one-stop link for billing questions→Subscriptions and Billing - Official Apple Support. You can review your purchase history to see what you were charged for, cancel subscriptions and request refunds.