This is a member to member forum, nobody here charged you anything
Were you REALLY charged or just get an email saying you were?
Where does it say you have been charged $48?
IF you really were charged, then
It sounds like you signed up to eBay Plus free trial and did not cancel before the paid period commenced (as agreed to when signing up)
If not, and nobody else who uses your account did not sign up either then you need to report the charge to eBay and your bank
Other members cannot help if you just blame us for something we are in no way responsible for, and then give us zero information to go on
