Your first step is to try to identify the reason for, and source of, any charges. They may be perfectly valid charges you simply do not recognize. In the case of emails or messages there is the possibility they are not real at all (phishing attempts).
The support article https://support.apple.com/108092 and the related article https://support.apple.com/120164 explain how you can check your iTunes and App Stores purchase history, cancel subscriptions (remember that these need to be canceled at least 24 hours in advance), and track possible sources of unrecognized Apple charges you may see on a bill. These may be purchases by Family Sharing members, others sharing your card (such as a spouse or partner, or a second Apple Account you have; you may not see a receipt).
The article also provides a specific link for contacting Apple if you cannot trace the source of charges, e.g., if you subscribed to something directly with a third party, see: https://support.apple.com/118126 instead. In that case you need to work directly with the vendor, not Apple. See also: https://discussions.apple.com/thread/256198931
If you use Apple Card you may find this document helpful too ➞ https://support.apple.com/HT210618
Also note this service: https://support.apple.com/HT209592
"When you sign in to your financial institution website or mobile app and view your recent purchases from the App Store, iTunes Store, Apple Books, or for Apple Music or iCloud services, you may see an option—such as View Receipt—that allows you to view more details about your transaction."
Other possibilities to consider (not all may apply in your situation):
● If you see duplicate subscription charges on a card but only one in your Apple subscriptions list, you may have subscribed once in-app through Apple and a second time directly with the vendor on their web site (e.g., YouTube). Cancel one of your subscriptions. The same can happen if you have two Apple Accounts.
● Purchases can be made with your account if your Apple Account is compromised (read what to do ➞ https://support.apple.com/HT204145 ) or somebody else has access to your device (require a purchase password as explained in this article ➞ https://support.apple.com/HT204030 ).
● If you only see a charge in emails or texts that are not official Apple receipts, it is likely phishing attempts (see the article: https://support.apple.com/HT204759 ).
● If neither you, nor Apple, nor a Family Sharing member can account for a charge and it ONLY appears on a bill for a charge card you alone control, you may have been the victim of card fraud. Contact your financial institution immediately. Any reimbursement would have to come from them, not Apple. More here —> https://discussions.apple.com/thread/256173521?answerId=261653382022&sortBy=oldest_first#261653382022
● Small amounts of ~$1 may be an authorization hold that will be refunded (pending charge ➞ https://support.apple.com/HT201292 ).
● Unanticipated amounts may be grouped charges ( https://support.apple.com/HT201359 ).
If using Family Sharing and viewing purchase history under Report A Problem, make sure the “Apple ID” box is set to “All.” If a purchase is listed in your purchase history and you want to ask for a refund, read this article about how to request a refund for apps or content that you bought from Apple ➞ https://support.apple.com/HT204084 Remember that many apps have trial periods with subscriptions that then start automatically unless you cancel them in time. If a Family Sharing member made the purchase then you need to discuss this with that person. They would have to initiate any refund request.
If a reporting a problem request is unsuccessful or you have another issue you can also speak with Apple ➞ https://support.apple.com/choose-country-region
Select your country (if you do not see your country, also look for "other" regions; e.g., "Other Africa"), then "Choose a product". Click the "show" item under each category for more selections. If you don't see one that handles your issue then keep experimenting with selections until you reach one that gets you a chat session or a telephone call and get the representative to redirect you.
or:
Contact Apple for support and service ➞ "See a list of Apple phone numbers around the world."
Click here ➞ https://support.apple.com/HT201232
Apple does not do support by email unless they initiate it.
