Apple Pay permanently locked

My Apple Pay was permanently locked and everyone clueless but somebody knows something I don’t do crazy stuff with my Apple Pay I know I was told there’s no one who can override the decision can somebody please help can I ever get another one I had my identity stolen and a police report not understanding why all of a sudden I’m blocked!!!

I’m sure I have $2100 locked on there now I did nothing wrong no fraudulent activity or anything and there telling me that my account will remain locked with the funds in it without telling me why

So you can just never use apple cash ever again ??

I just Had mine locked yesterday for $720. And the same response from Apple. This is not ok. With all of the people I seen Here with the same issue and recently that’s a lot of money they are holding. Something needs to be done about this. Class action?

The same thing happened to me! I disputed a transaction because I was scammed. They said once the ban is placed it’s permanent, please let me know if u find a way around it.

Mine just got locked with 3500$! I am so mad ! I feel robbed out of my rent money! Today is the first and they will not give me my money at all! I called my bank. I’m not even able to dispute to get my money back that I transferred to Apple Cash! Ughhh please tell me you found help

Mine is got restricted and I called Apple support and he told me that corporate runs it and it can never get unrestricted. I’m not a scammer I only it use to send money to family and friends apple fix your company…

Same I have $1800 stuck they’re robbing us

What about them not releasing your remaining funds on the account without any fraudulent activity being done

They just did that to me but won’t tell me why bc it’s confidential like what? It’s my account

Wow that was a very rude and nasty response for someone that you don’t even know

Permanently locking your Apple Cash account is permanent. Green Dot Bank, issuer and servicer of Apple Cash accounts is required to by law to take action when certain suspicious activities take place. They are not required by law to disclose their suspicions or your activities that triggered the permanent closure.

>>If your Apple Cash account is locked

Your account may be locked if there's suspected fraud on the account, or if additional security checks need to be completed. If your account is locked, you can't use Apple Cash to make purchases, send or receive money, add money to your account, or transfer money to your bank.<<

If your Apple Cash account is restricted or locked - Apple Support

What appears suspicious to the bank, may not appear suspicious to you at all. Banks are required to Know Your Customers by federal laws.

>>Why is KYC important in banking?

KYC is a legal requirement for financial institutions and financial services companies to establish a customer’s identity and identify risk factors. KYC procedures help prevent identity theft, money laundering, financial fraud, terrorism financing, and other financial crimes. Failure to meet KYC requirements can result in steep fines and penalties. 

AML regulations were introduced in 1970 to fight money laundering. Following the 9/11 attacks, the U.S. passed stricter KYC requirements as part of the Patriot Act. While these changes were in the works for several years, the terrorist attacks provided the political momentum needed to enact them.

Title III of the Patriot Act requires financial institutions to meet two core KYC components: the Customer Identification Program (CIP) and Customer Due Diligence (CDD). Current KYC procedures embrace a risk-based approach to counteract identity theft, money laundering, and financial fraud:

• Identity Theft: KYC helps financial institutions establish proof of a customer’s legal identity. This can prevent fake accounts and identity thefts from forged documents or stolen identity documents. 
• Money Laundering: Both organized and unorganized criminal sectors use dummy accounts in banks to store funds for narcotics, human trafficking, smuggling, racketeering, and more. KYC limits their ability to avoid suspicion by spreading money out across several accounts. 
• Financial Fraud: KYC helps prevent fraudulent financial activities, such as using fake or stolen IDs to apply for a loan and then receive funding with fraudulent accounts.<<

https://plaid.com/resources/banking/what-is-kyc/

Federal law and regulations actually prohibit the bank from telling you the reason(s) for locking an account.

Sometimes the cold hard facts are not what you want to hear. It’s certainly possible to show more empathy, but how exactly does that change the facts of the situation? When you boil things down, it’s extremely difficult to protect people from themselves.

I’m 67 years old and have spent a number of years in retail management, where we could show more empathy and help people by showing “random acts of kindness” or “surprise and delight.” Similar terms for basically the same type of service that may benefit the parties involved (customer, company and employee). But exactly how does one sugar coat the harsh reality of having an account closed? What words do we choose to educate, explain and at the same time show hope when there isn’t any? This is your opportunity to explain this to someone that has been dealing with very similar situations for 20+ years?

Apple Support Community is not Apple Support. We’re a community of Apple users, fans and enthusiasts. A few community members volunteer our time to try to educate and assist fellow Apple users. The volunteerism is open to anyone, so your passion and commitment is certainly welcome in the community. However, there is no way to practice concepts like “surprise and delight” or “random acts of kindness.” The cold, hard truth is all we have to offer. We’ve seen various posts that have the same message here many times and know the inevitable outcome.

So, yes, my words are sometimes harsh. Some people may even interpret them to be rude or nasty, as you have noted. If I’ve offended you, or anyone else in this thread, I sincerely apologize.

You got told wrong or you misunderstood what was being said. Apple is not a bank. Apple does not run Apple Cash, the operation of Apple Cash and the support for Apple Cash is done by Green Dot Bank. This is all contained in the terms and conditions you agreed to when you opened the account.

You don’t have to be a scammer to have your account restricted or locked. All you need to do is engage in risky behaviors or receive or send funds to people that engage in risky or suspicious behavior. Here’s probably the section you violated.

>>(vii) we believe that your use of the Services could expose us, Apple, or other persons involved in providing the Services to increased risk or be placed in a false or derogatory light;<<

In other words, your transactions, either sending or receiving or both, present a risk that Green Dot Bank is comfortable with. There are other sections too, that may apply, and be a part of the issue. You can read the terms and conditions at the link below.

https://applecash.greendot.com/termsconditions/

Contact an Apple Cash Specialist at Green Dot Bank by calling (877)-233-8552