Level 1

25 points

[Scammed] Fraudulent charge on my Apple Pay account

I know that it’s said that Apple Pay cannot be hacked as it does not hold your info or whatever, and it’s just a conduit between your bank and the merchant but how do you explain the following?…

I used Apple Pay and it turns out it was a scam website. I was concerned about being scammed further, but I left things as they were — no further charges from that website but I was very concerned as others were saying they were getting auto charged when they didn’t authorise it — and it was coming out of the Apple Pay wallet or initiated through it. The website is cerebrumiq.com. About 1.5 months later I was charged $96 on Uber through Apple Pay.

I did not make any such transaction. I checked my Uber account and nothing. I checked any linked devices in my accounts and nothing.

Basically what I think, and this has happened to other people eg (https://www.reddit.com/r/IdentityTheft/comments/1c5yo97/can_apple_pay_be_hacked/), is that somehow a hacker has cloned Apple Pay’s payment ability with my Apple Pay — I don’t know how. They got this ability when I used the fraudulent website. Others have said that even if they change the card, the fraudulent payments still continue with the new card.

this is a terrible breach of security and needs to be fixed.

Ive removed my card from Apple Pay and changed the passcode. I will get another card from the bank. I don’t think I will use Apple Pay for a long time now. Which is a shame as it is really convenient, but not at the cost of being scammed.

If they just had my CC details then the transaction would come straight out my bank but it doesn’t, it comes out of my Apple Pay transactions. I know it ultimately comes from my bank but the payment is initiated through Apple Pay, however the scammer is doing it.

Please fix this problem or advise how to proceed.

Thanks,

Matthew

iPhone 12

Posted on Oct 9, 2024 4:46 PM

Top-ranking reply

bumble09

Level 1

8 points

Posted on Oct 15, 2024 10:19 AM

This happened to my husband and daughter when they replied to an email requesting an additional $.30 postage on a package being delivered. I had them immediately cancel their cards.

Two days ago, I noticed a charge on our Citi card. Called the customer service and there were several charges on the east coast that had been declined - we are on the west coast. All through Apple Pay.

Citi was able to identify a duplicate Apple Pay account and blocked access.

My daughters account is with Chase and they can’t understand what we are talking about and continue to tell us they can’t look that up.

Apple Pay customer service said they can. Might have to change banks.

View in context

Similar questions

22 replies

Mabbott1729 Author

Level 1

25 points

Oct 11, 2024 7:31 PM in response to Jeff Donald

No so yes confusion which I’ve tried to explain in previous posts. I made the transaction on the website I call the scam website (cerebrumiq). I used Apple Pay. Then 1.5 months later (a few days ago) I received a notification that $96 was debited to Uber — when I called the bank they said it was Uber premium, which I don’t have and nothing was listed in my Uber transactions, I hadn’t used it for months. This reflected on both my bank and Apple Pay wallet. I thought that the only way I could think of someone getting access to my Apple Pay would be through the scam website id used previously (because they use Apple Pay. That’s how the two (Uber and cerebrumiq) are related in my mind.

How could someone charge me $96 to Uber and reflect on my Apple Pay when I didn’t authorise this. That’s the main issue. The scam website was a possible origin of this security breach.

Mabbott1729 Author

Level 1

25 points

Oct 13, 2024 2:59 PM in response to Jeff Donald

How does Uber charge me for something I didn’t use. How does this reflect in my apple wallet without me using my apple wallet or Apple Pay. Only I am supposed to be able to have access to my Apple Pay and any transactions on Apple Pay are supposed to be 100% made by me.

Yes I’ve raised a dispute with Uber.

Mabbott1729 Author

Level 1

25 points

Oct 14, 2024 4:20 PM in response to Jeff Donald

But it wasn’t the fraudster’s wallet, it was mine. The transaction came up in my wallet. A transaction I 100% did not make. And again there was nothing in my Uber account. How could Uber use my wallet and Apple Pay without my permission. Unless they have committed fraud or charged incorrectly. This still wouldn’t explain how Apple Pay was used in this transaction

Jeff Donald

Level 8

44,658 points

Oct 15, 2024 10:40 AM in response to Mabbott1729

What you see displayed is what the bank that issued the card chooses to display. For example Discover It card displays much more information than my Regions bank card that displays the bare minimum. All Apple has is encrypted data, so it can’t share anything for display. Your bank is send the transaction details to both devices, yours and the scammers.

I have two iPhones and I have an American Express card on both devices and both devices show transaction details.

Oct 10, 2024 6:16 PM in response to Mabbott1729

I hope your bank can get on the issue 🙏

Mabbott1729 Author

Level 1

25 points

Oct 11, 2024 10:28 PM in response to Mabbott1729

Furthermore an automated email I got from them says they do not issue any refunds on past transactions.

Also many other people have experienced the same treatment

Mabbott1729 Author

Level 1

25 points

Oct 15, 2024 7:06 PM in response to Jeff Donald

Well my apple wallet has only historically shown purchases made through Apple Pay.

Obviously except for the fraudulent charge

This thread has been closed by the system or the community team. You may vote for any posts you find helpful, or search the Community for additional answers.

[Scammed] Fraudulent charge on my Apple Pay account