Balance Adjustment

If the bank refunded you I don't see where you still have a problem.

This Apple support Billing Article should answer any charging questions.

Subscriptions and Billing - Official Apple Support

Also check Settings, your name, iCloud, Manage storage, change storage plan 

Also https://reportaproblem.apple.com

Start reading this support page:--> Subscriptions and Billing – Official Apple Support, and check each of the first 3-4 sections.

If you cannot find the information you were looking for, please contact iTunes Store Support Team directly, using this link:--> iTunes Store & App Store – Get support for various issues, and choosing: your country, then Apple ID, then iTunes & App Store. If your problem is not among the options shown there, tap/click on the option “the topic is not listed” and describe your issue.

Regards

Giulio