Woobie234 wrote:
I was a scammed by an on line loan service. They sent me 500 to my account and then they told me to send back with Apple Pay. It’s a fraud so I can’t pay. Now my account is 385 negative and I have no money to pay!
The scammers used a stolen payment card to send you cash.
The payment providers will claw back that fraudulent transfer.
You’re then out whatever you sent.
That money the scammer sent never was, and your returning transfer is no more.
Switch to manual acceptance of Apple Cash payments, and don’t accept unexpected payments from unknown people. That’ll block most of these scams:

You can report the fraud, of course. The payment providers will block associated accounts and related details.
But your money is gone.
Actual loan services might well be usurious, but they also won’t ask for immediate return of the payment.