Apple denying refund on purchase that’s impossible to have happened. Proof provided, and deny refund

If it’s fraudulent, as you say, US federal law and bank card rules shifts the liability to the bank card issuer, and not the merchant. The caveat is the merchant must accept the card within bank’s guidelines. Apple follows all bank guidelines, which almost all merchants do. Your issue and refund are not with Apple, the merchant, they are with your bank. If they say differently, ask for a supervisor.

Now you’ll find out how good a bank you have. Some offer fraud protection and some don’t. Then federal law comes into play and you may have to file a complaint with the CFPB (Consumer Financial Protection Bureau) to recover losses from your bank.

For Diablo Immortal - skeletal spoils, 8.99, that was actually made about 10 days ago and has a lock on it to where you can’t purchase it again for 2 weeks…

Apparently that is not the case at all. Did you contact the developer of the app. Blizzard support sites are filled with cases where purchases are still allowed even though they claim they are locked. If you did not get the item, contact Blizzard and they can give you a free redemption code after confirming the purchase was made for the item.

Then if you or a family member didn’t make a purchase, your credit card is compromised. Ask your bank if it was a card present or card not present transaction.

Does you transaction details from C1 give a transaction number, it should. Give the transaction number to Blizzard and find out if anything other than credit card details match.

Apple is basically saying your credit card was used for a purchase. I suspect Blizzard is saying your Blizzard account (not credit card) didn’t make a purchase. Blizzard and Apple are looking at two different things. Apple looking at credit card transactions, and Blizzard looking at your Blizzard account transactions.

So yes, your credit card was used. No your Blizzard account wasn’t used. What’s left, your credit card is compromised and the scammer used you card details to make a purchase at Blizzard with a fake account.

What do you have showing in your Transaction History?

Battle.net Transaction History

What date is showing in your Purchase History?

View your purchase history for the App Store and other Apple media services - Apple Support

So you are actually seeing two finalized charges on your bank account? One charge for the day you got the in app item and another charge 10 days later?

I asked because sometimes I’ll get it in app item, but it may take several days before Apple actually charges it to my card.

Are the charges based on a subscription? Subscriptions are legal, enforceable contracts. Banks and Payment Network Operators (Visa, MasterCard etc.) even have tools to allow the merchant to charge the card even if it’s locked.

All the PNO’s offer the service and it’s called Automatic Billing Updater by Mastercard. Visa, American Express and Discover all offer essentially the same service. The subscription charge goes through on locked and accounts with numbers changed.

I’m not saying this is what happened, but it’s a likely scenario. Is the charge subscription based? Did you or a family member make the purchase? If you or a family member did make the purchase or subscription it may be a fraudulent charge and then the bank is liable and not the merchant.

What are the details of the transaction?

“No. It’s on my capital one app I got notified, and eventually got an email too. But the game even shows it’s impossible to have happened, and I share a screenshot, and they say not eligible for refund. Closed, no reason why, just basically getting the middle finger - we will randomly charge you and you can’t get a refund….”

I’m confused. So you’re saying no you are not seeing two charges 10 days apart? What does your Apple account purchase history show, does it show two identical charges 10 days apart or just one? Are you sure it was for the identical item and not two different in app items?