credit card charges from apple

The support article If you see 'apple.com/bill' on your billing statement - Apple Support explains how you can check your iTunes and App Stores purchase history, cancel subscriptions, and track possible sources of unrecognized Apple charges you may see on a bill. These may be purchases by family members if you are an organizer of a Family Sharing group, or possibly a second Apple ID you use. The article also provides a specific link for contacting Apple if you cannot trace the source of charges. If you use Apple Card you may find this document helpful too ➞ If you see an Apple Services charge you don't recognize on your Apple Card - Apple Support

Also note this service: View your App Store and iTunes Store purchases directly from your financial institution - Apple Support

"When you sign in to your financial institution website or mobile app and view your recent purchases from the App Store, iTunes Store, Apple Books, or for Apple Music or iCloud services, you may see an option—such as View Receipt—that allows you to view more details about your transaction."

Other possibilities to consider (not all may apply in your situation):

● Purchases can be made with your ID if your Apple ID is compromised (read what to do ➞ If you think your Apple ID has been compromised - Apple Support ) or somebody else has access to your device (require a purchase password as explained in this article ➞ Require a password for App Store and iTunes purchases - Apple Support ).

● If you only see a charge in emails or texts that are not official Apple receipts, it is likely phishing attempts (see the article: Recognize and avoid phishing messages, phony support calls, and other scams - Apple Support ).

● If you are absolutely certain neither you, nor Apple, nor a Family Sharing member can account for a charge and it ONLY appears on a bill for a charge card you alone control, you may have been the victim of card fraud. Contact your financial institution.

● Small amounts of ~$1 may be an authorization hold that will be refunded (pending charge ➞ How apps, content, and subscriptions from Apple are billed - Apple Support ).

● Unanticipated amounts may be grouped charges ( How apps, content, and subscriptions from Apple are billed - Apple Support ).

If a purchase is listed in your purchase history and you want to ask for a refund, read this article about how to request a refund for apps or content that you bought from Apple ➞ Request a refund for apps or content that you bought from Apple - Apple Support

If a Family Sharing member made the purchase then you need to discuss this with that person. They would have to initiate any refund request.

If a reporting a problem request is unsuccessful or you have another issue you can also speak with Apple ➞ Choose your country or region - Official Apple Support

Select your country (if you do not see your country, also look for "other" regions; e.g., "Other Africa"), then "Choose a product". Click the "show" item under each category for more selections. If you don't see one that handles your issue then keep experimenting with selections until you reach one that gets you a chat session or a telephone call and get the representative to redirect you.

or:

Contact Apple for support and service ➞ "See a list of Apple phone numbers around the world."

Click here ➞ https://support.apple.com/HT201232

See the following support document to identify any charges.

click here ➜ If you see 'apple.com/bill' on your billing statement - Apple Support

Start with your own account, and if not there, then follow up on the accounts of people you share your payment method with or if you are the Family Organizer of a Family Sharing group, look in the accounts of other members in the Family Group.

• You need to verify the charge was actually posted to your account. There are many email scams that will claim a charge just so you make contact with them from a number they provide. After that is done, they will get you to provide your Apple ID/Password.
• Make sure you are not an Organizer of a Family Sharing plan with Purchase Sharing turned on. In this case, you have authorized other family members to make purchases using your payment method.
• Contact Apple directly to verify that the charge was not made with your Apple ID.

Contact Apple for support and service - Apple Support

• If you were able to verify that it was a charge posted to your account and Apple is able to confirm the charge did not come from your Apple ID, then you must dispute the charge with your Credit Card. This would mean that your card has been compromised and they will also need to issue you a new card. In the US there are specific protections given to a consumer and rules that the credit card company must follow. They will have to prove that you authorized the purchase.

https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-a-charge-on-my-credit-card-bill-en-61/

junaidfromwilletton wrote:

This is what the email message from the bank says

Dear Customer, your **** Credit Card ending 1861 has been charged for ******* on 08-06-2024 16:31:30 at APPLE.COM/BILL ITUNES.COM IE .

Ref No:1840724

Yes, that is why I find challanging. How can someone use my credit card on thier onw ID.

If they somehow got a a hold of your card number and CVV, yes, they can add it to their account. But its a bit unlikely for someone to do that unless they are like 14 years old or something. If a criminal gets a card, they aren't adding it to their Apple ID, that would just be silly.

Does your bank usually send you emails for charges? And do they refer to you as "Dear Customer" in those emails?

I have a feeling that is a scam email, but if you are sure it is real, and the charge cannot be seen on your Apple ID as explained in the links provided previously.

If somebody did add your credit card to their Apple ID, there is no way for you to find out who did so.

If the charge does not appear on your own account, but is visible on Credit Cards statement or through your banks app, then the best course of action is to cancel that card and block the charge directly through your bank.

What does the charge on your payment method say it is for exactly?

Does it appear as "apple.com/bill"? Or something else?

Have you checked your active subscriptions?

If its not on your Apple ID, then it will be very difficult to track.

You can tell your bank its not recognized and for them to not allow it. And should oblige.