Apple Pay permanently locked

Federal law/regulations prevent the bank from disclosing or discussing that information.

https://www.irs.gov/businesses/small-businesses-self-employed/bank-secrecy-act

Depending on the amount you can file in your states small claims court. If the amount is too large you need to hirer an attorney and the court will want to trace where the funds came from.

I never done anything suspicious on my account. It is holding my money and will not release it. The support rudely said that’s the way it is and they do not have to disclose the reason why it is locked.

Have you read any of the dozen + posts above yours? In fact I posted the answers you seek directly above yours. My most recent post was just a few hours ago.

Please take a few minutes to read the posts above that explain the situation and the challenges you’re facing. I’m always happy to answer questions and concerns you may have.

A permanent ban is exactly what the name implies, permanent. It’s best just to move on an open an account with Cash App and/or Venmo and use what you learned from this experience and don't get scammed again. Banks are private businesses and don’t have to do business with you or anyone else. The fact you were scammed indicates you made poor choices and easily became a victim. Educate yourself about various methods and schemes scammers use to trick the less informed. Use stronger passcodes, use Two Factor Authentication (2FA) and security measures to make your information more secure.

If you need assistance on possibly recovering funds please file a complaint with the CFPB (Consumer Financial Protection Bureau) and Comptroller of Currency.

https://www.consumerfinance.gov/complaint/

https://www.occ.treas.gov/topics/supervision-and-examination/dispute-resolution/consumer-complaints/index-consumer-complaints.html

Accounts are shared, you and the bank that holds your funds. It’s more of a partnership.

Banks are prohibited by law from revealing the details when fraud and money laundering are suspected. These are basically known as Anti Money Laundering (AML) laws. It may not even be you that’s done suspicious transactions. Banks are required to Know Your Customer (KYC) laws and even further. They need to know their customers customer.

In other words somebody sent you funds. You’re potentially innocent, but the funds you received are suspected of being involved in illegal, fraudulent or being money laundered. Your account is closed because you received those funds.

I know, it doesn’t seem fair. But no one here knows why your account was closed. Your bank is prohibited by law, Bank Secrecy Act, from telling you. You and the bank have a partnership and your partner is terminating your relationship. I suggest you move on.

I made a comment/post above this in the forum that has suggestions if you want to pursue getting funds in the account. Just scroll up.

How is following federal regulations a target for a class action suit? The Bank Secrecy Act literally prevents bank personnel from revealing details.

Apple plays no role in locking accounts and has no access to the bank’s information.

Correct

Did all this they keep telling me it’s confidential but I know wasn’t any fraud involved

Did you get a chance to transfer your $1800? My account is locked with $200

Why is this tho

The banks suspects a form of fraudulent activity. Please read the prior answers in this thread.

I was robbed how do u preven that they knocked me out and used my face to send money. So dont use face ID?

They won’t release my funds either. It won’t give me an explanation, basically saying it was fraud when it came from my own bank account from Navy Federal.

I have been going round and round with Apple to release my funds as well as my bank.

[Edited by Moderator]