Why am I getting charged I have no subscriptions to Apple

One monthly charge that doesn't appear as a subscription is an upgraded iCloud storage plan. See the following for information about finding what plan you have and downgrading. Downgrade or cancel your iCloud+ plan - Apple Support

If that doesn't help, be aware that this is primarily a user-to-user support forum; other Apple users like you. We don't have access to information about charges to your account. Apple has a support article about charges — see each of the steps in the following instructions. They include information on contacting Apple Support if the other steps don't help. See: If you see 'apple.com/bill' on your billing statement - Apple Support

What did you find out after reading the support article viewed on the top of the page. Here is also another Support Article that can be used to view your subscriptions.

Subscriptions and Billing - Official Apple Support

Also note that some apps maintain their own billing if you have provided them your payment information within the app. These charges will not show up as an Apple charge, since they are being charged to you directly from the company that supports the App. In that case, Apple has no recourse in stopping the subscription or issuing a refund. You would need to contact the company directly to stop the subscription. This happened to me with the Walmart app. They had my payment info because I use Walmart Pay, but then started charging me for the Walmart+ service claiming that I signed up for it in the app. Apple had no record of this subscription, since Walmart was billing me directly.