did not download photoshop, but ask for payment

Hello,
Look at the following link for information on how to cancel your subscription.
https://helpx.adobe.com/manage-account/using/cancel-subscription.html
If the information does not help, then you need to contact support.
Login to your account and navigate to the URL below. Make sure that the browser has cookies enabled, and all script blockers are disabled.
https://helpx.adobe.com/contact.html
Click on the chat icon on the bottom right, and type AGENT to avoid bots and talk to a human.
Also, be mindful of answering anyone who sends you a private message. See the following for more information about scammers
https://tinyurl.com/y7cfrr7y
-Manan

Please ensure your computer meets or exceeds the minimum system requirements to run Creative Cloud + Photoshop & all other apps you intend to use. Check each one. 
https://helpx.adobe.com/creative-cloud/system-requirements.html

Read Subscription & Cancellation Terms

https://www.adobe.com/legal/subscription-terms.html

Hi There,

It does not work the way you are thinking, the amount gets due as soon as you subscribe to the plan. It does not matter whether you downloaded the application or not, it also does not matter if you are using it or not. If you have trouble downloading the application, please provide specific error that you get so that someone can help you out. You can even contact support for help on this

-Manan