How do i file fraudulent itunes charges on my debit card?

How do i file fraudulent itunes charges on my debit card? I contacted my bank, who told me to contact itunes. When trying to do so, I'm told that i have to pay $29.00 for them to help me resolve this issue.  Also, I have an album that has "appeared" on all 3 apple iphones that are in my family. In which, none of us purchased it

If the album is U2's Songs of Innocence then that was given free to everyone back in September - if you don't want it on your account : http://itunes.com/soi-remove
For the iTunes charges, then if they are on your iTunes account (and nobody else has access to your account or devices and made the purchase), then you can contact iTunes Support via this page : http://www.apple.com/support/itunes/contact/ - click on Contact iTunes Store Support on the right-hand side of the page, then Purchases, Billing & Redemption
If it's not on your iTunes account then your card issuer should deal with it.

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