credit card error in wallet app

Question

credit card error in wallet app

A charge on a credit card shows the incorrect vendor. When I look at the credit card account using Safari on my desktop computer, the charge shows the correct vendor. All other details of the charge are the same on both platforms. Where does the Wallet app get the information that it displays? Why is there a discrepancy? I called the credit card company and they say it's not their problem. I am not disputing the charge. The charge is correct. I am concerned that there is a problem with how the Wallet app is getting the information it is displaying. This doesn't inspire confidence in the accuracy of the Wallet app.

iPhone 14 Pro, iOS 18

Posted on May 2, 2025 7:34 AM

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Answer 1

Jeff Donald

Level 8

44,568 points

May 2, 2025 8:28 AM in response to bill.robertson

Are you specifically referring to location data? Except for location data the information shown in the Wallet app is provided by the bank.

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Answer 2

sberman

Level 10

272,208 points

May 2, 2025 3:51 PM in response to bill.robertson

I’ve had similar experiences with restaurants that are geographically very close to each other. I’ve gone through the “Report a Problem” route several times. The issue still shows up occasionally. It’s no big deal. The charges go to the correct vendor. It just appears to be an issue properly geographically locating the facility.

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Answer 3

Jeff Donald

Level 8

44,568 points

May 2, 2025 4:08 PM in response to bill.robertson

The information concern the actual transaction is sent from the bank, not Apple. This does not include location data.

Location data is crowd sourced by your iPhone, not Apple. The location could a a cell tower, or merchant’s ISP point, VPN etc.

A year ago a community member saw a location in another country. As I explained the situation it was determined a VPN was involved.

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Answer 4

Jeff Donald

Level 8

44,568 points

May 2, 2025 5:31 PM in response to bill.robertson

Hi, you’re welcome! Did you see my entire post (click the Show More link). I explained the source of the data.

It’s a choice of less privacy or less accuracy. Apple opts for less accuracy to provide the maximum in privacy about your transactions.

I hope you have a great weekend!

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Answer 5

May 2, 2025 3:08 PM in response to Jeff Donald

I’m referring specifically to how the charges are displayed, which is by the name of a restaurant we ate at. In safari I don’t see any info other than the restaurant name. In Wallet, tapping on the item in the list jumps to a pane that shows a different restaurant and its location. Both places are in town, and we’ve eaten at both, but not recently. I wouldn’t expect them to be owned by the same entity. Possible, but unlikely, I think, given that one is a Japanese place and the other is Indian. In any case, the amount of the charge is correct, so I’m not disputing the charge, exactly. I’m just concerned that it’s not being displayed correctly.

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Answer 6

May 2, 2025 4:48 PM in response to Jeff Donald

Maybe it's some sort of incipient AI hallucinating going on? Seems pretty shady to me but could just be that I'm an old and I've had longstanding skepticism about trusting anything computers say.

Thanks for your reply.

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Answer 7

May 2, 2025 4:45 PM in response to sberman

Is 5 miles "geographically very close" though? Maybe it's something to do with whoever their respective ISPs are.

Thanks for the reply.

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