I was recently swindled by Apple Pay. I don't use Apple Pay. After receiving a text message saying that it was registered with Apple Pay, I received 20 payment texts for the same amount. I immediately applied for a card suspension at the bank. And I asked for the cancellation of the approval.However, the bank said it could not cancel the approval. I don't understand this situation right now Can Apple Pay cancel the approval?
The text messages were not from Apple or Apple Pay.
Apple Pay will never send you a text message for any reason.
You are being scammed. Ignore the text messages and block the number it is not a real charge and they are trying to get you to pay them.
Apple Pay requires your interaction and approval to even being to work. There is no possible wya for it to happen without your knowledge.
click here ➜ Recognize and avoid phishing messages, phony support calls, and other scams - Apple Support
Privacy for all, of course. But, having all of the other information wouldn't matter. For example, I can add my spouse's card to my device. Or, my parent's cards as I often shop for them. But, to add the cards I need the number, the security code, and their account access at the bank to authorize adding the card. Without all of those pieces of information, I cannot add the card.
Really no different than having someone’s card. The extra information sent would not change anything. Phishing attempts and other attempts to gather information from a user are outside of the purview of tech companies and lie with the user.
>>The criminal that had the stolen card details (not the physical card itself, but only the details from the card) had attempted to add it to his/her/its ApplePay account but failed since it's AMEX and he/she/it was missing the CVC number from the card. Luckily my credit card provider is a lot more proactive on that and sent me a notification about this failed attempt.<<
A credit or debit card can’t be added to Apple Wallet, hence Apple Pay cannot be added without a CVV number. How did the card get added as, you claim in the statement above in italics?
Lev945 wrote:
The criminal that had the stolen card details (not the physical card itself, but only the details from the card) had attempted to add it to his/her/its ApplePay account but failed since it's AMEX and he/she/it was missing the CVC number from the card. Luckily my credit card provider is a lot more proactive on that and sent me a notification about this failed attempt.
The card wasn't added and there was no fraudulent use of the card. So, the system worked.
Yes, the credit card company security system worked, not that of Apple.
My issue is with Apple, which doesn't provide the information of the phone of the criminal that attempted to add the card. I would expect the full details of the person that tries to add a credit card to be communicated to the credit card provider, and generally for Apple to cooperate with law enforcement to mitigate such cases. Instead there is zero cooperation and a simple finger pointing at credit card company or a bank to handle all the fraud related issues - without providing any support or information.
IdrisSeabright wrote:
Lev945 wrote:
Legally the crime occurred already when somebody have stolen my credit card details. And crime have occurred second time when using this information the criminal tried to add it to their ApplePay account, so a third crime could be performed.
So, report that crime to the police. If they believe that getting information from Apple will help them, they will ask for it.
It makes no sense to claim that there is any privacy issue in sending the details of the phone to the credit card company that already has all these details and much more. That is unless the process is done not by the actual credit card holder, but by a criminal.
If they already have the data, why does Apple need to send it?
They have the information of the legal card owner. If the card is being added by a legal card owner, then the information that will be sent by Apple will match the one that the bank already has. But when it's being added by not a legal owner of the card i.e. by a criminal, obviously the bank doesn't have it. But why do you think Apple should protect anonymity of the criminal?
And in that case arguing for privacy and anonymity of the criminal is beyond common sense.
I don't know what country you live in, but in the U.S., one is innocent until proven guilty. We do not lose our rights because we have been accused of a crime. That's why things like warrants and subpoenas are part of our justice system.
The way I see it, the information about the phone should be sent to the credit card company every time as part of the request Apple sends to the issuer on any attempt to add the card. That will make tracking the criminals much easier, thus when it's later determined that the failed attempt is not a simple mistake, but something done by a criminal, it will require much less resources from the law enforcement to catch the criminal.
So, we all should be surveilled just in case one of us commits a crime? Thank you, no.
You already provided all the information to your bank or a credit card company. Nobody talks about putting somebody in jail for failing to add his/her own card. But if somebody attempts to add somebody else's credit card to his account without permission, he's not innocent. And Apple should should not protect his anonymity.
I'm also not sure about what sort of "surveillance" are you talking about? When the card is getting added to the ApplePay, your bank or credit card company gets notified. Thus they know about this, and they know you. And they assume that it's you, which will be true if it's indeed you adding your card to your account. The only case in which it won't be true, is if somebody else is adding your card to their ApplePay account. So for what reason you would want to protect that person that does illegal activities?
Just so you know it’s easy to clone an IMEI number and a telephone number. It’s as I explained before, not everything is revealed to you by Apple or the fraud department at your bank.
I think you’re now just looking for an argument and feel that there is a security hole. Multiple people have tried to help you understand the extreme security that is in place. Whether you choose to accept it or not, isn’t really relevant. Apple Pay is the most secure payment method available today. If it had significant holes, none of the big banks would support the service.
The one big hole is the human factor. People are scammed too easily out of account information, their 2FA code, passwords and other data that people give up every day. Until people learn not to share information, there’ll be fraud.
I don’t understand why the financial provider even sent that notification.
Just for doing the most basic and fundamental prt of their whole job.
Reminds me of anti-malware apps justifying their existence with overly chatty reports to the user.
This one is from 2016, but I don't feel that anything has changed since:
https://www.forbes.com/sites/thomasbrewster/2016/03/01/apple-pay-fraud-test/
It actually very different, and I just explained how. I also explained how sending this extra information will help.
[Edited by Moderator]
Bored now. **-bye.
Apple Pay fraud
