I am being charged $99 a month and I do not know what it is for.

If How to cancel a subscription from Apple - Apple Support doesn't help, note that this is primarily a user-to-user support forum; other Apple users like you. We don't have access to information about charges to your account. See each of the steps in the following instructions. They include information on contacting Apple Support if the other steps don't help: If you see 'apple.com/bill' on your billing statement - Apple Support