Resoclear Fraud App, Subscription trap, App not available but charges recurring.

cdp16 wrote:

Thanks Jeff,

I appreciate your response but what if there is no way to cancel the subscription? that was the point, payment was not reflected in the Apple Subscription List, it was working as malware and linked to Bank Card Token even after replacing cards it was deducting money from card via apple payment gateway and app was removed from the apple store (search yourself Resoclear in App Store) was not helpful.

Your Subscription is not listed in your Subscription list because you made that subscription with the developer directly according to the reference in your original post referring to an Apple Wallet Subscription. That does not mean the subscription is managed by Apple in any way, you are still using the card added to your Wallet for payment and sending the merchant a Token that your bank provided you to give them.

You were charged after replacing your card because your bank uses an Automatic Billing Updater service to transfer recurring charges. Nothing is being deducted through Apple's Payment Gateway. The only thing that a purchase made with your Wallet does is to securely give the merchant the token your bank gave you when you added the card to the Wallet, and so the merchant does not have your actual account number that may be exposed in a breach. Beyond that, the transaction is processed between the merchant, PNO(Visa, Mastercard, etc) and your bank, without any involvement by Apple.

The action you took is the correct one to dispute a fraudulent transaction with the bank of the issued card. What they failed to do the first time is to block those further charges and instead just issued you a new card. That results in all previous recurring transactions automatically moved to your new card.

If this is your first experience with Automatic Billing Updaters, you can find quite a bit of information about them on the web. Each PNO calls it something different, for example VISA calls it Visa Account Updater (VAU) and Mastercard simply uses the Mastercard Automatic Billing Updater (ABU). Here is the Visa description of that service that is intended to be a service for their customers to prevent a subscription from being called when a new card is issued, but as you saw it also has the unintended consequence of transferring those fraudulent subscription.

https://www.visa.com/en-us/products/visa-account-updater