I want a refund for a charge I did not make on my Visa Credit Card. I also want to report it.

1.

If you have received an invoice from Apple, on every invoice from the Apple Store and/or iTunes Store always states what you have purchased (and/or concerns a subscription) and the amount.

Tap on Report a problem on the invoice.

Or try to ->  Request a refund for apps or content that you bought from Apple.

Request a refund for apps or content you've bought from Apple – Apple Support (UK)

If you have requested a refund, you must wait until Apple has approved. Then you will receive a message from Apple.

Refunds are not guaranteed. For more information, see the Terms & Conditions.

2.

Check for sure the following Apple articles:

View your purchase history for the App Store, iTunes Store, and other Apple media services

View your purchase history for the App Store, iTunes Store, and other Apple media services - Apple Support

How apps, content, and subscriptions from Apple are billed

How apps, content, and subscriptions from Apple are billed - Apple Support

If you see "apple.com/bill" on your billing statement

If you see "apple.com/bill" on your billing statement – Apple Support (UK)

3.

If the invoice has to do with an app that has a subscription associated with it, see -> Delete apps on your iPhone, iPad, and iPod touch -> Delete apps on your iPhone, iPad, and iPod touch - Apple Support

• If you delete an app, it doesn’t cancel in-app subscriptions that you might have. While deleting an app, you might see a Cancel Subscriptions option. Learn how to cancel your subscriptions.

If you don't want to continue a subscription you need always to cancel that subscription in time, see the following Apple articles:

If you want to cancel a subscription from Apple

If you want to cancel a subscription from Apple - Apple Support

If the subscription that you want to cancel is not listed

If the subscription that you want to cancel is not listed – Apple Support (UK)

Manage subscriptions on Apple TV

Manage subscriptions on Apple TV – Apple Support (UK)

• You can modify or cancel subscriptions available on Apple TV, including Apple Music, Apple TV channels, Apple Arcade or individual apps.

See also ->  Downgrade or cancel your iCloud+ plan

Downgrade or cancel your iCloud+ plan - Apple Support (PH)

4.

If the invoice is not from Apple, was the money deducted by a stranger?

Contact your bank, they can find out who (name, address & account number) has collected the amount from your bank account, and when.

Depending on your bank, they can collect the amount back within 30 days.

See also ⤵️

Identify legitimate emails from the App Store or iTunes Store

Identify legitimate emails from the App Store or iTunes Store - Apple Support

Recognize and avoid phishing messages, phony support calls, and other scams

Recognize and avoid phishing messages, phony support calls, and other scams - Apple Support

5.

that I did not request

This means that either someone had physical access to your iPhone.

If other people have access to your iPhone or other Apple device, change the device passcode and never share it with others.

Change your Passcode -> Use a passcode with your iPhone, iPad, or iPod touch - Apple Support

Change your Apple ID password -> Change your Apple ID password - Apple Support

• Create a strong password for your Apple ID, It is best if your password consists of eight or more characters and include upper and lowercase letters, and at least one number. You can also add extra characters and punctuation marks to make your password even stronger. 
• Never provide your password, passcode, security questions, verification codes, recovery key or any other account security details to anyone else. Apple will never ask you for this information.

Then see this Apple article: What to do after you change your Apple ID or password

What to do after you change your Apple ID or password - Apple Support

(if you haven't already done this) Two-factor authentication for Apple ID -> Two-factor authentication for Apple ID - Apple Support

To keep your Apple ID account secure, see the following Apple articles: 

If you think your Apple ID has been compromised

If you think your Apple ID has been compromised - Apple Support

See who has access to your device or accounts

See who has access to your iPhone or iPad – Apple Support (UK)

Delete suspicious content from your devices -> Delete suspicious content from your devices – Apple Support (UK)

Check your Apple ID device list to see where you're signed in

Check your Apple ID device list to find where you're signed in - Apple Support

• if you see devices that don't belong to you, delete from your account.

Personal Safety User Guide -> Personal Safety User Guide – Apple Support (UK)

Manage and use your Apple ID ->Manage and use your Apple ID – Apple Support (UK)

Never jailbroken your iPhone.

Use the method described in the Related Article above, or click here and ask.

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