My son bought $300 of Roblox "something" late one night - including multiples of the same product over and over while we slept and Apple refused to refund any of it.

If it’s fraudulent use, have you filed a police report? Fraud is a crime and must be reported.

It’s an option for possible reasons, but no where does it say selecting >>purchase by minor<< is an automatic refund. It’s used for classification purposes. Each refund request received is given due diligence.

Users are protected from fraud by requiring Face ID and/or use of passcode.

Use of a product or service does not change the price of an item. I probably drive less than other people. Should my car cost less because I use it less?

You can request Apple review the decision once. After the review, there is no further review process. So, when you appeal include all the extenuating circumstances and all the additional evidence and actions, such as a copy of the police report.

PayPal is just a Wallet and had virtually no part of the transaction. Your bank approved the transactions and you’ll need to learn your options from the bank that issued the credit card. The bank may or may not require a police report to pursue a fraud claim. If it’s not fraud, it’s a chargeback based on your dissatisfaction with the product received. For example it could be that it doesn’t work, isn’t as advertised, wrong size etc. Some banks are very lienent and some are very strict.

A chargeback generally takes 30 to 60 days to resolve. An instant credit is usually granted by the bank, but if the dispute is not decided in your favor, the credit will be reversed.

saritastevenspdx wrote:

My son actually hacked my passcode; i.e. followed the number pattern on the keypad, so he logged in "as me". He was certainly not authorized.

That is much more fraudulent behavior than an accidental purchase by a minor. Jeff Donald may have the better answer as this is more like stealing money from you. It is apparent that you are going to need to secure your devices with much more than a 4 or 6 digit passcode and I would recommend changing the Passcode to an alphanumeric one by choosing Passcode options when setting the passcode.

Use a passcode with your iPhone, iPad, or iPod touch - Apple Support

I would also still use the link I already provided to require a password for purchases. Even if he had your passcode, he still would not have been able to make any purchases without your Apple ID Password.

Truly sorry to hear about the situation you are in.

No, I doubt it will affect your appeal with a refund from Apple. When fraud is involved, the path forward is with the bank. They approved the charges and they may offer fraud protection on your credit card which limits your liability to just $50 (in the US).

Apple, as a merchant, follows the rules the bank and Payment Network Operator (Visa, Mastercard etc.) set in their merchant agreement.

I know this probably isn’t the information you wanted to hear, but it lays out a path to a resolution acceptable to you and your husband.

There are many ways that can be avoided:

• Use Ask to Buy

Approve what kids buy with Ask to Buy - Apple Support

• Require Password for purchases

Require a password for App Store and iTunes purchases - Apple Support

• Prevent In-App Purchases

Use Screen Time to prevent purchasing - Apple Support

• Review Parental Control options

Use parental controls on your child's iPhone and iPad - Apple Support

If you are using a Family Plan and have Purchase Sharing turned on with no restrictions, then you are authorizing them to make purchases. With the many methods available to prevent a child from making purchases, you just need to use any of them. A minor should not be given the keys to the kingdom unless you plan on taking responsibility for their actions. Hopefully Apple will grant you a compassionate exception and approve the appeal, but these restrictions must be put in place to prevent it from happening again.