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Apple keeps charging my Debit card for purchases I didn't make. I have cancelled the card and gotten a new card/number issued, but to no avail. My bank says they are using an illegal updater to charge me anyway. Apple will not respond to me at all!
[Edited by Moderator]
iPad, iPadOS 17
Your bank is misinforming you and the support person you spoke to is misinformed or has poor training and support.
Apple only charges for legitimate transactions. You’re debit card is compromised and is being used by fraudsters to make purchases with your account information on the Apple website. You swiped your card or inserted your debit into a terminal or ATM that was compromised by scammers.
Your information was then probably sold on the Dark Web and dozens or maybe even hundreds or thousands of scammers purchased your debit card information. Scammers then use your credit details to subscribe to Apple service, apps etc.
When the scammer subscribes to the sevrice, it’s a contract. Apple submits your debit card details to your bank for approval and if your bank approves the transaction, the scammer receives the product or service they subscribed to. Apple and the developer the developer that created the app are not responsible for the determining if the charge is from you or a scammer. Your bank is responsible and no one else.
All the Payment Network Operators ( Visa, MasterCard, Discover, etc.) offer a sevice generically known as Automatic Billing Updater. This sevice that Visa and Mastercard offer, updates the card number to merchants that have subscriptions. Yes, the PNO updates the merchant before you even get your new card.
https://developer.mastercard.com/product/automatic-billing-updater-abu/
https://developer.visa.com/capabilities/vau
There is nothing illegal about the products and services that your bank stated was illegal. Your banks misinformation speaks volumes about the quality of training, service and protection your bank is offering you. Personally, I’d resolve the issue as soon as possible and start reviewing other banks.
I’m happy to answer any additional questions or concerns you may have.
Your bank is misinforming you and the support person you spoke to is misinformed or has poor training and support.
Apple only charges for legitimate transactions. You’re debit card is compromised and is being used by fraudsters to make purchases with your account information on the Apple website. You swiped your card or inserted your debit into a terminal or ATM that was compromised by scammers.
Your information was then probably sold on the Dark Web and dozens or maybe even hundreds or thousands of scammers purchased your debit card information. Scammers then use your credit details to subscribe to Apple service, apps etc.
When the scammer subscribes to the sevrice, it’s a contract. Apple submits your debit card details to your bank for approval and if your bank approves the transaction, the scammer receives the product or service they subscribed to. Apple and the developer the developer that created the app are not responsible for the determining if the charge is from you or a scammer. Your bank is responsible and no one else.
All the Payment Network Operators ( Visa, MasterCard, Discover, etc.) offer a sevice generically known as Automatic Billing Updater. This sevice that Visa and Mastercard offer, updates the card number to merchants that have subscriptions. Yes, the PNO updates the merchant before you even get your new card.
https://developer.mastercard.com/product/automatic-billing-updater-abu/
https://developer.visa.com/capabilities/vau
There is nothing illegal about the products and services that your bank stated was illegal. Your banks misinformation speaks volumes about the quality of training, service and protection your bank is offering you. Personally, I’d resolve the issue as soon as possible and start reviewing other banks.
I’m happy to answer any additional questions or concerns you may have.
VISA and Mastercard use Automatic Billing Updater (ABU) to transfer the charges to the new card. That is your bank that is doing that and it is laughable that they say it is illegal when it is a service they support. Just for your own knowledge on this service that your bank provides and so you can be more informed the next time they tell you Apple is doing it, here is some info and a example from one bank.
https://paymentcloudinc.com/blog/account-updater/
https://www.bannerbank.com/financial-resources/automatic-billing-updater
Now to your subscription that you are being charged. You need to view your purchase history to identify those charge and then view and cancel any subscription that you have on your account. This is the only way to make subscription charges go away that are being managed by Apple.
View your purchase history for the App Store and other Apple media services - Apple Support
View or cancel app subscriptions on iPhone - Apple Support
What you find out from those 2 links will depend on how you proceed. If you do not see the charges/subscription, then provide the exact description of the charge you see on your payment method.
Did you read the information that has been provided?
I have a VISA Wells Fargo card as well and it participates in the VISA Account Updater program that does exactly what you describe. When a recurring payment is set up on your card, that payment will continue even if the bank changes your card number. Your bank knows this as it is their card that is participating in that program. I can point you to the Wells Fargo terms for using your bank card.
If you give your debit card number to a merchant with authorization to bill it for recurring payments, or to keep it on file for future purchases or payments, the merchant may receive updated card information to process such payments, for example, if the merchant participates in the VISA Account Updater Service or a similar service.
https://www.wellsfargo.com/assets/pdf/about/community-reinvestment/2021-ar-consumer-disclosures.pdf
If the senior banker at Wells Fargo has no idea what the VISA Account Updater program is that their debit card participates in, then that is a huge problem. They are either incompetent or flat out lying to you on what is happening.
Now to the subscriptions that are being charged to your account, if they are legitimate charges from Apple, then you will see them on your Apple Account in the purchase history and subscription links that I provided. Since they are not there, then it is your card that has been compromised just as Jeff Donald has said. This is done easily by scammers who install shimmers/skimmers on retail terminals to read your card numbers. We see this frequently at Gas Stations where the scammers can install the devices overnight with little interruptions. In this case you must dispute the charges with your bank and they are obligated to prove you have made that purchase. An example of this scam is here:
https://discover.hubpages.com/money/Apple-iTunes-866-712-7753-Scam
To confirm the charges are fraudulent charges to your account from Apple, you can also contact them directly here. They will be able to confirm they are fraudulent, but it will still be up to your bank to resolve the problem.
Contact Apple for support and service - Apple Support
If you continue to get pushback from your bank after formally disputing the charges, in the US the next step is to file a complaint with the CFPB. This is a government agency that is responsible for making sure the banks are following the rules and regulations to protect the consumer. In most cases, you will get a response in 15 days.
https://www.consumerfinance.gov/complaint/
I am trying to help you here. I have the same bank as you do and the information that they have provided you is wrong about billing your replacement card. You may have a fraudulent recurring charge due to your card being compromised, but it is the bank that approved those charges. Blaming it on Apple is only an attempt to deflect their responsibility. I recommend you pay close attention to the information that Jeff Donald also provides as he is an expert in this field and has a wealth of knowledge that will be helpful as well.
It's actually not laughable. That information came from at senior banker at Wells Fargo Bank. I am not alone in this situation. There are many people in the same situation.
As for cancelling subscriptions, I can't cancel subscriptions that I never made and that don't exist in my Apple account!!!
[Edited by Moderator]
SoundEmperor wrote:
And if it was compromised, it was done so on Apple's website.
How did Apple's website compromise your card?
Please read the information that has been provided. I am not making blanket assertions and I try to provide links to back up the claims that I am trying to convey and also the steps to take. A fraudulent charge must be disputed by your bank. Make the bank prove that you made the purchase that they approved.
Cards can easily be skimmed at your Bank’s ATM, grocery stores, drug stores etc. Here’s an NBC news video of a Wells Fargo ATM in North Fort Myers, FL. It was attached to the bank itself and under 24 hour surveillance and the bank denied it at first. You don’t have to believe us, watch the video.
https://m.youtube.com/watch?v=_ymHQwNQeQ0
Ask the senior banker you’re in contact with and ask if it was a >card present< or >card not present< transaction?
And if it was compromised, it was done so on Apple's website.
How do you figure? What information have you withheld?
Apple Keeps charging my Debit card for purchases I didn't make. I have cancelled the card and gotten a new card/number issued, but to no avail.
