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Apple and Metrolinx introduce PRESTO card for iPhone and Apple Watch. Learn more >
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I own my phone but there is an activation lock on it
[Re-Titled by Moderator]
iPhone X
To remove this you will need Proof of Purchase, if you have bought it from a person directly, you will likely not have sufficient proof to satisfy Apple's requirements (This whole policy is in place to prevent stolen phones, which in principal is a great idea but sadly it seems to effect people in situations like yourself)
How to remove Activation Lock – Apple Support
There's an activation lock on my iPhone
