BCLM wrote:
Two days ago I discovered the exact same problem - $120.00 to "1 Infinite loop CA" - withdrawn from my bank account (debit card) but does not show in my Apple Pay transaction list. My bank says it's Apple Pay's problem - but since the transaction isn't in my Apple Cash there is nothing to report. I have shutdown Apple Cash/Pay - any ideas on how to get the fraudulent charge returned?
Have you reviewed your purchase history?
View your purchase history for the App Store and other Apple media services - Apple Support
If it is not there, then it suggests that your card has been compromised. If you have used your physical card at a terminal, then the card numbers were most likely skimmed. This most commonly happens at gas stations where the scammers have free access to the terminal overnight without any interruptions, but have also been found on ATM machines and retail POS terminals. Scammers use descriptions for the charges that are similar to what you would expect from well known companies so you do not dispute the charges.
As a final check to make sure that the charge is not legitimate, contact Apple directly here:
Contact Apple for support and service - Apple Support
After confirmation that it is not Apple, escalate the matter with the bank. They have specific rules that they must follow when you dispute a charge. If you are just asking about a transaction, you are not disputing the charge, and they do not have to do the work that is required.
https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-a-charge-on-my-credit-card-bill-en-61/
