Thanks for your information. According to the link, my account may have been flagged as fraudulent for using a stolen credit card. It's pretty confusing that I could steal something that belongs to me and I didn’t have a chance to prove it. Honestly, Apple could fight this if they added biometric authentication, but it seems like they'd rather collect the money than deal with it. Stolen credit cards used to make purchases on the Apple store or in-app purchases seem legally to them