apple took $97.19 from my account... Why...?

The support article "If you see 'apple.com/bill' on your billing statement" explains how you can check your iTunes and App Stores purchase history, cancel subscriptions, and track possible sources of unrecognized Apple charges you may see on a bill. These may be purchases by family members if you are an organizer of a Family Sharing group, or possibly a second Apple ID you use. The article also provides a specific link for contacting Apple if you cannot trace the source of charges. Click on this link to read this article ➞ https://support.apple.com/HT201382 If you use Apple Card you may find this document helpful too: 'If you see an Apple Services charge you don't recognize on your Apple Card' ➞ https://support.apple.com/HT210618

Other possibilities to consider (not all may apply in your situation):

- Unanticipated amounts may be grouped charges ( https://support.apple.com/HT201359 ).

- Purchases can be made with your ID if your Apple ID is compromised (what to do ➞ https://support.apple.com/HT204145 ) or somebody else has access to your device (require purchase password ➞ 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 ( https://support.apple.com/HT204759 ).

- If you are absolutely certain 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.

- Small amounts of ~$1 may be an authorization hold that will be refunded (pending charge ➞ https://support.apple.com/HT201292 ).

If a purchase is listed in your purchase history and you want to ask for a refund, click on this link to "Request a refund for apps or content that you bought from Apple" --> https://support.apple.com/HT204084

If a reporting a problem request is unsuccessful or you have another issue you can also try clicking here ➞ https://support.apple.com/choose-country-region/media-services Select your country, then a product.

or:

Contact Apple for support and service --> "See a list of Apple phone numbers around the world."

Click here --> https://support.apple.com/HT201232

This link to 'Subscriptions and Billing' has a different layout of some (but NOT all) of the information provided above --> https://support.apple.com/billing