Refund Rejected on fraudulent transaction

If it is true fraud such as a stolen card, then you deal with that through your bank. Vendors do not do that.

Your first step is to try to identify the reason for, and source of, these charges. They may be perfectly valid charges you simply do not recognize. In the case of emails or messages there is the possibility they are not real at all (phishing attempts).

The support article If you see 'apple.com/bill' on your billing statement - Apple Support and the related article Get help with charges from apple.com/bill - Apple Support explain how you can check your iTunes and App Stores purchase history, cancel subscriptions (remember that these need to be canceled at least 24 hours in advance), and track possible sources of unrecognized Apple charges you may see on a bill. These may be purchases by Family Sharing members, others sharing your card (such as a spouse or partner, or a second Apple Account you have; you may not see a receipt).

The article also provides a specific link for contacting Apple if you cannot trace the source of charges, e.g., if you subscribed to something directly with a third party, see: About purchases not billed through the App Store or the App Store’s In-App Purchase system - Apple Support instead. In that case you need to work directly with the vendor, not Apple.

If you use Apple Card you may find this document helpful too ➞ If you see an Apple Services charge you don't recognize on your Apple Card - Apple Support

Also note this service: View your App Store and iTunes Store purchases directly from your financial institution - Apple Support

"When you sign in to your financial institution website or mobile app and view your recent purchases from the App Store, iTunes Store, Apple Books, or for Apple Music or iCloud services, you may see an option—such as View Receipt—that allows you to view more details about your transaction."

Other possibilities to consider (not all may apply in your situation):

● If you see duplicate subscription charges on a card but only one in your Apple subscriptions list, you may have subscribed once in-app through Apple and a second time directly with the vendor on their web site (e.g., YouTube). Cancel one of your subscriptions. The same can happen if you have two Apple Accounts.

● Purchases can be made with your account if your Apple Account is compromised (read what to do ➞ If you think your Apple Account has been compromised - Apple Support ) or somebody else has access to your device (require a purchase password as explained in this article ➞ Require a password for purchases in the App Store and other Apple services - Apple Support ).

● If you only see a charge in emails or texts that are not official Apple receipts, it is likely phishing attempts (see the article: Recognize and avoid social engineering schemes including phishing messages, phony support calls, and other scams - Apple Support ).

● If neither you, nor Apple, nor a Family Sharing member can account for a charge and it ONLY appears on a bill for a charge card you alone control, you may have been the victim of card fraud. Contact your financial institution immediately. Any “refund” would have to come from them, not Apple.

● Small amounts of ~$1 may be an authorization hold that will be refunded (pending charge ➞ How apps, content, and subscriptions from Apple are billed - Apple Support ).

● Unanticipated amounts may be grouped charges ( How apps, content, and subscriptions from Apple are billed - Apple Support ).

If using Family Sharing and viewing purchase history under Report A Problem, make sure the “Apple ID” box is set to “All.” If a purchase is listed in your purchase history and you want to ask for a refund, read this article about how to request a refund for apps or content that you bought from Apple ➞ https://support.apple.com/HT204084 Remember that many apps have trial periods with subscriptions that then start automatically unless you cancel them in time. If a Family Sharing member made the purchase then you need to discuss this with that person. They would have to initiate any refund request.

If a reporting a problem request is unsuccessful or you have another issue you can also speak with Apple ➞ https://support.apple.com/choose-country-region

Select your country (if you do not see your country, also look for "other" regions; e.g., "Other Africa"), then "Choose a product". Click the "show" item under each category for more selections. If you don't see one that handles your issue then keep experimenting with selections until you reach one that gets you a chat session or a telephone call and get the representative to redirect you.

or:

Contact Apple for support and service ➞ "See a list of Apple phone numbers around the world."

Click here ➞ https://support.apple.com/HT201232

rebcou wrote:

They didn't hack my card, they hacked my apple account, how is that not their responsibility? I have all the multi factor settings set up with Apple, but they have failed. Apple acknowledged someone else has accessed my account, that's their security measures failing

You said that the purchase does not show in your purchase history and Apple blocked the user, that means your account was not hacked and the purchase was not made from your Apple Account. If it was made from your Apple Account, then the purchase would appear in your Purchase History.

There are 2 ways a purchase could be made on your card where it does not show in your Purchase History:

• You use Family Sharing with the Purchase Sharing option that allows members to make purchases to your payment method and the charge would show in their Purchase History. You would still have the option to view their Purchase History though when using Family Sharing. I suspect that is not the case because that would also mean it is one of your family members who had their account locked.
• Your credit card has been compromised. That is the most likely scenario and why you must contact the bank of the issuing card to dispute the transaction. Apple is not responsible in that case as it is your bank that approved the charge. There are a couple of ways that could have happened, such as through a phishing message or using your physical card on a terminal that had a skimmer installed to read your card numbers. This happens quite frequently at gas stations where the scammers have uninterrupted access to the terminals overnight and even ATM machines.

Don't delay in reporting this to your bank as they may hold you liable for further purchases if you do not report the compromised card. You can review the information provided here, so you know your rights when disputing credit card charges.

Many credit card issuers offer zero-liability fraud protection if you report unauthorized charges within 30 days, meaning you won’t owe anything. Under the Fair Credit Billing Act, your liability is capped at $50 if you report the fraud within 60 days of receiving your credit card statement (which means that even if your credit card issuer doesn’t offer zero-liability protection, you won’t owe more than $50). However, if you miss these deadlines, you may be responsible for the full amount.

https://www.bankrate.com/credit-cards/advice/know-your-rights-credit-card-fraud/#reporting

Fraudulent purchases are always disputed with the bank of the issued card. A purchase made that does not show on your purchase history means that someone else has access to your card information and your bank will need to cancel your account and issue you a new card. They will also refund your purchase.

It is the bank of the issued card that authorizes the charges, the retailers do not do that and no identity verification is required to accept the payment. If fact, for most PNO (Payment Network Operator such as VISA, Mastercard, etc) agreements retailers sign to allow the payment method, they cannot even require you to provide identification, and if a retailer does not allow a transaction because you did not provide one, they instruct you to report that business to them. The PNO takes on the responsibility of authorizing all charges and also dispute resolution.

Again, Apple is not responsible for fraudulent charges to your account. Apple cannot recover the item that was purchased so issuing you with a refund would mean they were carrying the cost of something that is, after all, your responsibility (namely account security). Read what Mac Jim ID wrote earlier about how credit card payment and fraud issues are handled.

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Boomboom145 wrote:

Why are you sending me messages

No user here is sending you any Messages. You have subscribed to the Apple Account forum, so you are notified anytime a person makes a post there. Go here and you will see that your are Following with a checkmark next to it and all you need to do is tap/click to stop receiving new Notification Emails.

Apple Account - Apple Community

Also when you post a message, you will automatically be subscribed to that thread and you will see the filled in Bell icon like below that tells you that you want to be notified if anyone else provides a response on that thread. Just tap/click the bell icon and it will no longer be filled in and you won't get those notification emails.

It’s frude so not use. I phoned 11 I used 16 cancel frude alerte

Why are you sending me messages