Apple Pay Declined Charges

So a month or so ago I get a charge on my apple cash account. I did not make this charge but thought it was nothing because i dont have any money in my apple cash account lol. But for the past month the charges keep appearing and keep declining. I’ve tried changing the card details to see if that works to stop the charges but it did not. I then proceed to contact the company and explained to them how I never made the charges and they supposedly told me that they were to cancel the “membership”. Yet I am still getting the declined charges. I am just worried that if someday someone were to send me money to my apple pay it would be charged and actually accept the payment. Is there any way I can just possibly close the account and start a new one so the charges can stop? I’ve even emailed the company afterwards when the charges kept coming up and yet there was no respond.