Debit card verification for Apple Wallet

Question

Level 1

8 points

Debit card verification for Apple Wallet

Apple Wallet directed me to call my credit union to verify my identity before Wallet will setup my debit card. Even though I successfully verified my identity to my credit union with personal information and 2FA, they said they have to verify my identity for Apple Wallet. They asked me 5 questions "from public record" sources.

One of the questions asked where does "Alexandra" live? My nephew dated an "Alex" for a few months, over 10 years ago. He's lived in different cities and I didn't know her. I don't currently know any other relative nor friend by that name.
Another question asked in which 1 of the 4 listed counties had I lived? I've lived in 2 of those 4 counties but was only allowed to chose 1.

After the questions, the person said I failed verification. Now, if I want to use their bank cards in Wallet I have to send them a written letter with my request and copies of my drivers license or passport. Since I failed Apple Wallet verification they can no longer help me via phone, won't answer any other questions.

Because of the questions, I believe the "public record" information they are relying on may not be current or correct. But since the credit union won't tell me from where is this information gathered then I don't know how to look into the issue myself.

Where does Apple Wallet get the information it uses to verify customer identity?

How can I verify the information held about me is correct?

iPhone 6s Plus, iOS 14

Posted on Jan 6, 2021 9:02 AM

Reply

Answer 1

askbarnabas

Level 10

104,214 points

Jan 7, 2021 5:12 PM in response to petim123

Apple has nothing to do with that information. You need to physically go to your bank and have them verify you and your account information/security.

Reply

Answer 2

askbarnabas

Level 10

104,214 points

Jan 7, 2021 7:30 PM in response to petim123

You can try here - Apple Pay Customers

Reply

Answer 3

petim123 Author

Level 1

8 points

Jan 7, 2021 6:42 PM in response to askbarnabas

The credit union person I spoke with was a second level technical support employee. He already knew who I was, I had already verified my identity to him and to the 2 previous credit union employees with whom I had spoken. This tech said the system he was using to verify me for Apple Wallet is only for Apple Wallet. Believe it or not, I am very aware of my credit records on all three major reporting services and my FICO score. That's why I don't think these verification questions (especially the one about "Alexandra") came from the credit reporting services. So I assumed they came from an Apple system, maybe part of ApplePay. But I don't know since the tech wouldn't give me any more information; that's why I'm asking.

If I could physically go to the credit union I would not have posted this question. I moved to a different state and this is the only issue I have come across where they couldn't/wouldn't help me via phone nor email. Also, you may have missed part of the point of my question. I believe the information about me in this unnamed verification system is not correct. So yes, I can send the credit union physical, written information through the USMail (surprised they didn't ask for notarization) but that doesn't address where is this incorrect information coming from.

Reply