Why is Apple taking money from my account when I don't have a account

Where are you seeing this? If it is a text message or email, maybe it isn't Apple. Scams (e-mail, text messages, and phone calls) are getting very good at closely imitating true Apple communications. Always be cautious. These support articles have some guidelines:

About identifying legitimate emails from the App Store and 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

Avoid scams when you use Apple Cash --> Avoid scams when you use Apple Cash - Apple Support

Apple 'How to identify, avoid, and report phishing' video--> https://youtu.be/SR3Z3fXXjfw

This support article is Recommended by Apple as the preferred* resource for identifying payments you may see on a bill.

➜ If you see 'apple.com/bill' on your billing statement - Apple Support

"If you checked https://reportaproblem.apple.com and your emailed receipts and you're still not sure why you were charged, contact Apple Support" using this link --> https://getsupport.apple.com/?caller=ikb&PGF=PGF51002&category_id=SC0060&symptom_id=21084