If you were charged by Apple for something there are a few possibilities:
- You installed an app that required a subscription; the subscription is activated automatically when you download the app
- You purchased it from the app store (or subscribed to a service) and forgot you did
- Someone you share your phone with purchased it from the app store
- Someone you share your Apple ID with purchased it from the app store
- If you have a family sharing plan, someone in your family purchased it from the app store
- Your Apple ID was hacked and the hacker made a purchase from the app store - for this one see āIf you think your Apple ID has been compromised - Apple Support
- The purchase perhaps had nothing to do with your iPhone or Apple ID. Someone compromised your credit or debit card and made a personal purchase from Apple.
- You were not actually charged for anything; the message you got was a scam to steal your identity - see āAvoid phishing emails, fake āvirusā alerts, phony support calls, and other scams
The bottom line is that Apple never charges you for any purchase without authorization. So someone with access to your account must have made the purchase or subscription, if it wasnāt a scam message.
If it is a specific item on your bank or credit card statement see this link āIf you see "apple.com/bill" or an unfamiliar charge on your statement - Apple Support
You can review all of your purchases as described in this linkĀ āSee your purchase history for the App Store or iTunes Store - Apple Support
If it is a subscription you can cancel it here āSee or cancel your subscriptions - Apple Support.
Note that subscriptions are not canceled when you delete an app; the subscription must be canceled separately from deleting the app.
If the charge was made in error you can request a refund hereāRequest a refund for apps or content that you bought from Apple - Apple Support