i have a billing issue with apple pay and they continually refuse a refund i have been charged almost $10000 for in app purchases i didnt authorise and apple refuse to help
[Re-Titled by Moderator]
iPhone 15 Pro Max, iOS 18
That sounds incredibly frustrating, and I’m really sorry you’re dealing with this. If you’ve been charged nearly $10,000 in unauthorized in-app purchases and Apple keeps refusing a refund, there are still a few steps you can take to push back.
First, go to reportaproblem.apple.com, log in with your Apple ID, and review the list of purchases. Try reporting each unauthorized charge again using the “Report a Problem” button. Even if you’ve done this already, it’s worth repeating to create a record and show persistence.
Next, contact Apple Support directly by phone. Be clear, calm, and firm when explaining the situation, and ask to speak with a supervisor or a senior advisor. If you’re in the US, the number is 1-800–MY–APPLE (1-800–692–7753). Tell them the total amount charged, that you didn’t authorize the purchases, and that your previous attempts to resolve it through their system have failed. Be sure to document everything—names, dates, and details of the conversations.
If Apple still refuses to help, reach out to your bank or credit card company immediately. Let them know these charges were unauthorized and ask to dispute them. Most banks will open a fraud investigation and may issue a temporary credit while they review the case.
You can also file a complaint with agencies like the Federal Trade Commission and the Better Business Bureau. This puts more pressure on Apple and creates an official record of your issue. If you’re in the US, you can report to the FTC at reportfraud.ftc.gov and file a BBB complaint at bbb.org/file-a-complaint.
Finally, make sure to secure your Apple ID. Change your password, enable two-factor authentication, and remove any unknown devices connected to your account at appleid.apple.com.
If you want help writing a complaint letter, a script for calling Apple or your bank, or anything else to support your case, I can help with that too. You don’t deserve to be stuck with charges like this, especially when you didn’t authorize them. Let me know what you need.
That sounds incredibly frustrating, and I’m really sorry you’re dealing with this. If you’ve been charged nearly $10,000 in unauthorized in-app purchases and Apple keeps refusing a refund, there are still a few steps you can take to push back.
First, go to reportaproblem.apple.com, log in with your Apple ID, and review the list of purchases. Try reporting each unauthorized charge again using the “Report a Problem” button. Even if you’ve done this already, it’s worth repeating to create a record and show persistence.
Next, contact Apple Support directly by phone. Be clear, calm, and firm when explaining the situation, and ask to speak with a supervisor or a senior advisor. If you’re in the US, the number is 1-800–MY–APPLE (1-800–692–7753). Tell them the total amount charged, that you didn’t authorize the purchases, and that your previous attempts to resolve it through their system have failed. Be sure to document everything—names, dates, and details of the conversations.
If Apple still refuses to help, reach out to your bank or credit card company immediately. Let them know these charges were unauthorized and ask to dispute them. Most banks will open a fraud investigation and may issue a temporary credit while they review the case.
You can also file a complaint with agencies like the Federal Trade Commission and the Better Business Bureau. This puts more pressure on Apple and creates an official record of your issue. If you’re in the US, you can report to the FTC at reportfraud.ftc.gov and file a BBB complaint at bbb.org/file-a-complaint.
Finally, make sure to secure your Apple ID. Change your password, enable two-factor authentication, and remove any unknown devices connected to your account at appleid.apple.com.
If you want help writing a complaint letter, a script for calling Apple or your bank, or anything else to support your case, I can help with that too. You don’t deserve to be stuck with charges like this, especially when you didn’t authorize them. Let me know what you need.
Apple is the merchant. Apple submitted the charges/purchases and the issuing bank approved the charges. At that point Apple acted in good faith, and your bank accepted responsibility for any fraudulent charges.
Please contact the fraud department at the issuing bank and report the fraud. You’ll also need to report the fraud to your local law enforcement. Local law enforcement and your bank can contact Apple for assistance.
https://www.apple.com/legal/privacy/law-enforcement-guidelines-us.pdf
https://www.apple.com/legal/privacy/gle-inforequest.pdf
Read my post. The merchant credit card agreement specifically addresses fraud issues and the bank specifically assumes responsibility if Apple exercises due diligence. The onus for fraud detection is on the issuing bank, not the merchant.
On a side note, using AI/ChatGPT will often provide errors at the best, and in your case totally incorrect information.
How do I get a refund for unauthorized in-app purchases on Apple Pay?
