Someone used my credit card on their Apple Pay, my bank is refusing to tag this as fraud, any way I can track the ID myself? Will Apple help with this? How can I find support? It was quite a big amount spent on some subscription.
[Re-Titled by Moderator]
Apple will help law enforcement and you bank. Individuals need to report the fraud to local law enforcement and then they can contact Apple for assistance.
Each device the card is entered on generates a unique number or DPAN (Device Primary Account Number). You bank will know from the DPAN used for the transaction which specific device was used. Your bank can also remove the token from the device, de-authorizing the card/device.
Your bank verified the card when it was added to the fraudsters device. Did your bank notify you? If not, why weren’t you notified? Those are questions for your bank.
Privacy - Government Information Requests - Apple
Apple will help law enforcement and you bank. Individuals need to report the fraud to local law enforcement and then they can contact Apple for assistance.
Each device the card is entered on generates a unique number or DPAN (Device Primary Account Number). You bank will know from the DPAN used for the transaction which specific device was used. Your bank can also remove the token from the device, de-authorizing the card/device.
Your bank verified the card when it was added to the fraudsters device. Did your bank notify you? If not, why weren’t you notified? Those are questions for your bank.
Privacy - Government Information Requests - Apple
Adding a card to a new device generates a notification of use of OTP. If all they purchased was a subscription, they could have added your compromised card details to their Apple ID and not add it to their Wallet. So, Apple Pay is not the issue.
The issue is your data on your card was skimmed or shimmed when you swiped or inserted the chip. They manually entered the card details into their Apple ID and charged a subscription. Your bank approved the transaction.
Does your bank or Payment Network (Mastercard, Visa etc.) offer fraud protection? Consumer law limits the total liability of charges you’re responsible for to $50, I believe.
The other thing is banks and payment networks offer a service called Automatic Billing Updater (that’s what Mastercard calls it, but they all offer it) and that automatically updates the merchant to the new numbers that the bank issues. You’ll continue to be charged until the ABU is off and new numbers issued.
Apple is not in any way involved in the execution of transactions; so no there’s nothing they can do.
If the transaction was made
It IS possible - with your Bank’s approval - to add your cards to another individual’s Apple Wallet.
Re: Your bank, if you claim that that ANY transaction is fraudulent, they must act iaw applicable credit laws.
The only substance which could possibly be added to Jeff’s superb reply:
The last-4 digits of the unique to each device DPAN number can be viewed from you wallet.
Restated: these digits will be different on EVERY device.
Any transaction made with a DPAN not on one of your own devices is fraudulent.
the bank said subscriptions don’t require OTP verification, I only received a transaction notification and blocked my card immediately, I’ve reported it as fraud however since Apple is a verified platform the bank refuses to accept the transaction as such
my card was not on my wallet, is there any other way to check it?
Someone used my credit card on their Apple Pay
