After 30 minutes of trying to figure out how to stop the $39.99 charge that I knew nothing about, I came across this thread, went to apple.com/bill and was able to successfully request a refund for the $39.99 charge which I now know is for "Tinder Gold. This was my sons purchase, apparently if a family member doesn't have enough on their linked card to pay for a subscription it charges the card of the "family organizer".
I suggest people take a look. After a little research (and a calculator), I discovered that my sons 5 charges in the last 3 months, have been charged to me totaling $82.95 and my daughters 21 charges since April which were also charged to me, totaled $171.79