Apple Cash - TikTok Scam with Greendot

The amount and type of protection provided depends on if you ever verified your identity and registered your account. You may also have zero liability protection through Visa. Generally, you must report the fraud quickly. If there was a delay of a week or so, between the occurrence of the fraud and you reporting it, your protection is none.

Register your dispute in writing using the address below. Good luck with your dispute.

Apple Cash is serviced and issued by Green Dot Bank. Please contact an Apple Cash Specialist at Green Dot Bank. 

Contact Green Dot Bank:

by mail for disputes at P.O. Box 9, West Chester, Ohio,

www.greendot.com

https://applecash.greendot.com/termsconditions/

For general information about prepaid accounts, visit cfpb.gov/prepaid. 

If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.

You’re welcome! CFPB is your best bet along with your state attorney general and any consumer protection agency your state has. Don’t expect the FTC to do anything, they don’t really have any jurisdiction. Let me know how the complaint goes, because you may still have a few other options. You should know something in a month or so. Good luck.

Maverick2505 wrote:

I tried the suggestions for securing the account and all those were already implemented and phone was in my possession:

-Regenerated New Card Numbers of Apple Cash multiple times

-Changed Apple ID password

-Signedout of all devices and apps

-Changed Device lock passcode

Is two-factor authentication enabled on the Apple Account, too?

I was impacted - actually it was my son's apple cash account. He is a minor, I'm the family manager. He had about 10 transactions in rapid succession on his account, all from "tiktok for business". He doesn't have a tiktok account. His device wasn't stolen. His password was not compromised. There was no abnormal activity on his apple account. 2 factor authentication has always been enabled on this account. The transactions were in euros (we live in CA). The transactions were algorithmic - it's very clear that these were unauthorized transactions. We were just informed today that the dispute was rejected and that these were deemed "authorized transactions". Still haven't been able to get from Green Dot on what platform these transactions happened. I really don't think they care at this point - this has been happening to more people and I don't think Green Dot is equipped to deal with this. I'm not sure how/why Green Dot still exists, and why apple partners with such a horrible company.

When a minor uses Apple Cash (actually any account) it’s with an adult’s account and they (the adult) take responsibility for all transactions and actions the minor child makes. So, the fact it’s a minor child is irrelevant. You, as the family organizer are responsible.

Currency, is irrelevant too. The transaction is conducted in the local currency where the business is. TikTok is a worldwide platform just like Facebook, Instagram, etc.

There’s nothing clear about the transactions being unauthorized. Adults and children frequently sign up for services, subscriptions etc. that appear to be free, but contain fine print that contains information about free trials becoming annual subscriptions.

No bank discloses information about isp address, platform information etc.

Your statement about frequency is not really relevant. You making assumptions that are supported by the facts.

Green Dot is one of the largest providers of prepaid debit cards in the US. Among the clients are Apple and Walmart. Their only major competitors are American Express and PayPal. Just because you don’t recognize the name doesn’t mean they are not a major player.

I can’t address why Apple uses Green Dot. This type of information is confidential and not disclosed by the businesses involved.

Have you read my post above about how to proceed once Green Dot has investigated and determined the transaction(s) are valid?

The same happened to me. $650 taken in quick succession. Green Dot states authorized, Apple can’t find proof of a compromised account. Tik Tok refuses to address it via email. Have you made any progress?

If you want to learn about what’s possibly going on you need to learn not to make accusations and threats. You were way over the line with your accusations and suppositions.

If you have some information regarding the transaction amounts etc. share a screenshot so I can see what you’re referring to. Cross out any personal information.

I suspect what “may” have happened was a BIN attack. A BIN attack targets sequential credit card numbers at banks (Bank Identification Number attack). Attackers exploit sequentially issued numbers within a bank’s BIN range by brute-forcing combinations of card numbers, expiration dates, and CVVs through automated attempts on merchants.

Here’s how it works. Fraudsters obtain a bank’s public BIN (first 6-8 digits), then use software to generate sequential account numbers and test them via small transactions or authorizations. Sequential issuance makes valid cards predictable, amplifying success rates before banks detect patterns like repeated declines.

There’s more to it than what I shared above. But that’s it until you cool your rhetoric. You should also reconsider your user name of you want anyone to take you seriously. I’m not having a conversation about fraud with someone named horsediddle.

Sorry, this is a user to user community forum. You agree to terms and conditions and etiquette guidelines when you join. I’m just another user, but at 69, I’ve learned to behave myself on a public forum. Your post was removed by Apple because it doesn’t follow the T&C and etiquette rules. Hey, I can use my name, you can find something more appropriate than your former choice. You want adult conversations, conduct yourself accordingly. No, I don’t take myself too seriously, I take your post seriously, right up until horse**** posted it.

Let’s move on. Did you read my post about BIN attacks?

Same thing happend to me and took $400. Called Greendot and they said they couldn't do much and asked me to wait for 7 days for the transaction to post then file for dispute. This is crazy and I would never use Apple Cash again. Might as well cancel my apple card !

Have you read this thread? Use the links and phone number in my post to file a complaint with CFPB.

Please don’t post it multiple threads.