I’m charged for something I don’t even know about

I don't see any Adobe Stock subscription associated with the Adobe ID you are using here on the forums. If you have more than one Adobe ID you will need to sign in with Adobe ID/email address associated with your subscription. You can manage your subscriptions here: https://account.adobe.com

contact adobe support. there are 3 ways to contact adobe; chat, phone and twitter:

chat:
use a browser that allows popups and cookies, and click here, https://helpx.adobe.com/contact.html?rghtup=autoOpen
in the chat field (lower right), type AGENT
be patient, it can take quite a while to reach a human.

phone:
https://helpx.adobe.com/contact/phone.html

twitter:
tweet @AdobeCare

p.s. if you're contacted by anyone (via email or private message), it's much more likely to be a scammer than an adobe representative. ie, double check for an employee badge if contacted in the forums and look for an adobe.com domain in the email address if you click reply to an email. then check again and be very suspicious. any other method of contacting (or offering to contact you) is almost certainly a scam, https://community.adobe.com/t5/using-the-community-discussions/staying-safe-in-the-adobe-support-community/td-p/12919684/redirect_from_archived_page/true

[MOVED TO THE ACCOUNT, PAYMENT, & PLAN DISCUSSIONS]

That's a purchase of an image from Adobe Stock. I recommend you ask in the forum about this service, or here:

https://community.adobe.com/t5/account-payment-plan/ct-p/ct-account-payment-and-plan?page=1&sort=latest_replies&filter=all&lang=all&tabid=discussions