Unauthorized charges on my Apple Wallet

zazap67 wrote:

No one has my credit card it’s in my wallet at all times and no one has access to my iPhone .

No one needs physical access to your credit card. You can swipe your card at a gas station terminal that has a card skimmer installed and your card will then be compromised along with your PIN if used. There is no question that you used the OTP password when the card was added to the Wallet, but you will not get the OTP password with transactions that follow, so it may be a little misleading to claim that you authorized those purchases with the OTP Password.

You have not posted the exact description of the charge, so it is unable to determine if the charge was processed by Apple or one of the many scam charges that claim to be from Apple. Through investigation done by the bank/Apple, they are able to determine the device and verification method used to authorize the charge. We also do not know if you have verified the charges using this link to find information on your Subscriptions and Billing. You will also find links there to contact Apple directly.

Subscriptions and Billing - Official Apple Support