I was charged 20.88 and want it reversed

This is a volunteer forum.

See this link to manage your monthly purchases and reoccurring charges:

View, change, or cancel your subscriptions - Apple Support

See this link to see your purchase history:

See your purchase history in the iTunes Store on a Mac or PC - Apple Support

See this link to identify an email purporting to be from Apple:

Identify and report phishing emails and other suspicious messages - Apple Support

See this link to identify phony purchases claimed to be made in your account:

https://support.apple.com/en-us/HT201382

See this link to report fraud to Apple:

https://www.apple.com/legal/more-resources/phishing/

the the first sentence in my first post.

1-800-MY-APPLE

did you get an email from "Apple" claiming you spent this?

there is a link in my post to determine if an email came from Apple or not.

If it is not in your purchase history, then it may not be a charge from iTunes.