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Unauthorised debit

Apple debited my credit card for a purchase I did not make. I have opened 3 cases and weeks later Apple is doing everything not to address. Is this not a case of credit card fraud if Apple cannot tell me why they took money from my bank account without permission or for a purchase of any sort? How does one get their money back from Apple?

Posted on Aug 7, 2023 6:19 PM

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Question marked as Top-ranking reply

Posted on Aug 7, 2023 8:16 PM

This support article is Recommended by Apple as the preferred* resource for identifying payments you may see on a bill.

If you see 'apple.com/bill' on your billing statement - Apple Support


"If you checked https://reportaproblem.apple.com and your emailed receipts and you're still not sure why you were charged, contact Apple Support" using this link --> https://getsupport.apple.com/?caller=ikb&PGF=PGF51002&category_id=SC0060&symptom_id=21084

______

* I have a payment of $2.99 per month what … - Apple Community



Once you have found the item in your purchase history, here's how to request a refund (From: Request a refund for apps or content that you bought from Apple - Apple Support - see the article for more detail.)

1. Sign in to https://reportaproblem.apple.com.

2. Tap or click "I'd like to," then choose "Request a refund."

3. Choose the reason why you want a refund, then choose Next.

4. Choose the app, subscription, or other item, then choose Submit. If you were charged for a subscription that you no longer want, you can also cancel the subscription using the directions in this article --> If you want to cancel a subscription from Apple - Apple Support .



3 replies
Question marked as Top-ranking reply

Aug 7, 2023 8:16 PM in response to AppleSeed000

This support article is Recommended by Apple as the preferred* resource for identifying payments you may see on a bill.

If you see 'apple.com/bill' on your billing statement - Apple Support


"If you checked https://reportaproblem.apple.com and your emailed receipts and you're still not sure why you were charged, contact Apple Support" using this link --> https://getsupport.apple.com/?caller=ikb&PGF=PGF51002&category_id=SC0060&symptom_id=21084

______

* I have a payment of $2.99 per month what … - Apple Community



Once you have found the item in your purchase history, here's how to request a refund (From: Request a refund for apps or content that you bought from Apple - Apple Support - see the article for more detail.)

1. Sign in to https://reportaproblem.apple.com.

2. Tap or click "I'd like to," then choose "Request a refund."

3. Choose the reason why you want a refund, then choose Next.

4. Choose the app, subscription, or other item, then choose Submit. If you were charged for a subscription that you no longer want, you can also cancel the subscription using the directions in this article --> If you want to cancel a subscription from Apple - Apple Support .



Aug 7, 2023 8:17 PM in response to AppleSeed000

Here's a more detailed and descriptive list that includes a few reasons and solutions not mentioned in the article posted earlier:


The support article If you see 'apple.com/bill' on your billing statement - Apple Support explains how you can check your iTunes and App Stores purchase history, cancel subscriptions, and track possible sources of unrecognized Apple charges you may see on a bill. These may be purchases by family members if you are an organizer of a Family Sharing group, or possibly a second Apple ID you use. The article also provides a specific link for contacting Apple if you cannot trace the source of charges. 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):

● Purchases can be made with your ID if your Apple ID is compromised (read what to do ➞ If you think your Apple ID 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 App Store and iTunes purchases - 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 phishing messages, phony support calls, and other scams - Apple Support ).

● If you are absolutely certain 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.

● 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 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 ➞ Request a refund for apps or content that you bought from Apple - Apple Support


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 ➞ Choose your country or region - Official Apple Support Select your country, then a product.

or:

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

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


Aug 7, 2023 8:38 PM in response to Limnos

Thanks for your help. Unfortunately this debit is unrelated to my account, and Apple has stated that it randomly debited my credit card and credited some other account user with the funds. That person immediately bought a bunch of apps. I have opened several cases to recover the amount taken, but Apple support cannot issue a refund until the other user agrees to cancel the apps they bought and request a refund. Then hopefully the funds will be returned to my bank account. There is no other way of addressing with anyone other than their support chat at Apple, who say their hands are tied.

Unauthorised debit

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