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Why would Apple take money out of our bank account if we didn't buy anything? Would they charge you if the iPod crashes then gets rebooted?

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Someone has to be using your account... Do you have homesharing or anything like that? You should try contacting apple... But before you do that check what they are charging you for

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They wouldn't charge for that. Someone else may be using your card for iTunes.

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Someone is definitely using your account. You have to be sure to sign out of iTunes each time

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