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I have been frauded on a monzo card , apparently though Apple Pay, I did not lose my phone but someone drained my account. When I asked monzo to assist they said it wasn’t fraudulent because payment was done via Apple Pay and therefore it couldn’t be fraud ... has this ever happened to anyone and can this happen - I’m very distressed !
[Re-Titled by Moderator]
You have to solve with that 'someone' yourself.
Contact your bank, they will know who that 'someone' is.
Maybe the bank can still reclaim your money from that 'someone'?
Also report to the police.
See -> How to avoid scams when using Apple Pay to send and receive money
How to avoid scams when using Apple Pay to send and receive money - Apple Support
To keep your Apple ID account secure, see the following Apple articles:
Manage and use your Apple ID
Manage and use your Apple ID – Apple Support (UK)
Recognize and avoid phishing messages, phony support calls, and other scams
Recognize and avoid phishing messages, phony support calls, and other scams - Apple Support
Phony "tech support" / "ransomware" popups and web pages
Phony "tech support" / "ransomware" popup… - Apple Community
Identify and filter junk mail in iCloud
Identify and filter junk mail in iCloud - Apple Support
If you think your Apple ID has been compromised
If you think your Apple ID has been compromised - Apple Support
Identify legitimate emails from the App Store or iTunes Store ->
Identify legitimate emails from the App Store or iTunes Store – Apple Support (UK)
Set up iCloud Keychain
Set up iCloud Keychain - Apple Support
Create a strong password for your Apple ID, It is best if your password consists of eight or more characters and include upper and lowercase letters, and at least one number. You can also add extra characters and punctuation marks to make your password even stronger.
Never provide your password, passcode, security questions, verification codes, recovery key or any other account security details to anyone else. Apple will never ask you for this information.
See also the following Apple articles:
About the 'Trust This Computer' alert on your iPhone, iPad, or iPod touch
About the 'Trust This Computer' alert on your iPhone, iPad, or iPod touch - Apple Support
Authorize or deauthorize your computer for iTunes Store purchases
Authorize or deauthorize your computer for iTunes Store purchases - Apple Support
Get a verification code and sign in with two-factor authentication
Get a verification code and sign in with two-factor authentication - Apple Support
Check your Apple ID device list to see where you're signed in
Check your Apple ID device list to see where you're signed in - Apple Support
You have to solve with that 'someone' yourself.
Contact your bank, they will know who that 'someone' is.
Maybe the bank can still reclaim your money from that 'someone'?
Also report to the police.
See -> How to avoid scams when using Apple Pay to send and receive money
How to avoid scams when using Apple Pay to send and receive money - Apple Support
To keep your Apple ID account secure, see the following Apple articles:
Manage and use your Apple ID
Manage and use your Apple ID – Apple Support (UK)
Recognize and avoid phishing messages, phony support calls, and other scams
Recognize and avoid phishing messages, phony support calls, and other scams - Apple Support
Phony "tech support" / "ransomware" popups and web pages
Phony "tech support" / "ransomware" popup… - Apple Community
Identify and filter junk mail in iCloud
Identify and filter junk mail in iCloud - Apple Support
If you think your Apple ID has been compromised
If you think your Apple ID has been compromised - Apple Support
Identify legitimate emails from the App Store or iTunes Store ->
Identify legitimate emails from the App Store or iTunes Store – Apple Support (UK)
Set up iCloud Keychain
Set up iCloud Keychain - Apple Support
Create a strong password for your Apple ID, It is best if your password consists of eight or more characters and include upper and lowercase letters, and at least one number. You can also add extra characters and punctuation marks to make your password even stronger.
Never provide your password, passcode, security questions, verification codes, recovery key or any other account security details to anyone else. Apple will never ask you for this information.
See also the following Apple articles:
About the 'Trust This Computer' alert on your iPhone, iPad, or iPod touch
About the 'Trust This Computer' alert on your iPhone, iPad, or iPod touch - Apple Support
Authorize or deauthorize your computer for iTunes Store purchases
Authorize or deauthorize your computer for iTunes Store purchases - Apple Support
Get a verification code and sign in with two-factor authentication
Get a verification code and sign in with two-factor authentication - Apple Support
Check your Apple ID device list to see where you're signed in
Check your Apple ID device list to see where you're signed in - Apple Support
The exact same thing has happened to me. Lucky not much money, Monzo have said it cannot be fraud as it was my phone on Apple Pay. However I do not have my monzo card set up on Apple Pay and the payment was made in another country to where I am
Did you have the card in your Apple Wallet?
Are you sharing an iCloud account with anyone?
If the card was in your wallet, and you are not sharing your account with anyone, it's not possible that someone else could have added that card to Apple Pay on another device as it can not be linked to more than one iCloud account at a time.
In that case if the transactions were made through Apple Pay, they had to be using your phone.
I have been defrauded by someone using my Apple Pay to buy something on my debit card
