Unauthorized App Purchase refund denied

There is zero reason to share your Apple ID and each family member is supposed to have their own Apple Account. That is the reason why they were able to bypass any Screen Time restrictions and knew exactly that they were doing. Not something that is done accidentally.

Make sure that each family member has a unique Apple Account - Apple Support

There is no practical way to use Screen Time on a child that is using your Apple Account, as they would be able to reset the Screen Time Passcode using that Apple Account.

Purchases require double clicking the side button with the amount showing on the screen, followed by verification with FaceID/TouchID or Passcode. That is not something that is done unknowingly. You are in control of any purchase and you have many options to do that. Apple is not reviewing past purchase history to deny a purchase, as it is your personal information and the options you have used to authorize any purchase.

• Require Password for Purchase:

Require a password for purchases in the App Store and other Apple services - Apple Support

• Use Ask to Buy

Approve what kids buy with Ask to Buy - Apple Support

• Prevent in-app purchases

Use Screen Time to turn off in-app purchases on your iPhone or iPad - Apple Support

• Add additional Parental Controls, that are specific to that Apple Account, not yours.

Use parental controls on your child's iPhone or iPad - Apple Support

Sharing an Apple Account, or providing an unlocked device is akin to providing a payment card, and far more.

Loaned devices and compromised devices all too often end with corrupted settings, permanently-erased data, deleted passwords and compromised passwords, permanently-erased precious photos, unexpected new and cancelled subscriptions, unexpected purchases, annoyed contacts, deleted backups, and many other forms of expense, loss, and mayhem.

In addition to changing the device passcode and Apple Account password, might also want to change your online-purchasing and other account passwords too, as those may also have been exposed and copied or AirDrop’d elsewhere, too.

• Create an Apple Account for your child - Apple Support
• Use parental controls on your child's iPhone or iPad - Apple Support
• Set up a device for a child with Family Sharing on iPhone - Apple Support

ckharman23 wrote:

That is the reason why they were able to bypass any Screen Time restrictions and knew exactly that they were doing. Not something that is done accidentally.

Sorry, that is simply how you remove the Screen Time restrictions that you have in place for a reason. It is the Apple Account password that is used to do that and since the Apple Account is shared, they know that password.

To prevent that from happening, you just need to create a Child account and have them part of a Family Sharing plan where you can then control their device from your phone and be able to enforce the screen time restrictions. The Ask to Buy is a great feature that would then be usable also.

Sharing the Apple Account with Family members also has some other serious drawbacks such as:

• Capability to view your Messages
• Access to your Passwords
• View your Safari History and Searches

When using your Apple Account, then Apple thinks it is you making those purchases and they are not going to question what you want to purchase, whether it is for you or your child.

You are responsible for all purchases on your account. Don’t give your device to anyone without enabling guided access, don’t share your password, and don’t share an Apple Account.

"Someone please provide some advice, or share a similar issue. "

This is a user to user community. We have no advice to offer because, as other Apple users, we cannot help you override Apple's decision.