Apple Cash permanently restricted

Question

Level 1

4 points

Apple Cash permanently restricted

So I turned 18 yesterday, so I decided to setup Apple Cash so I can iMessage friends money etc. I have no credit history or anything because I just turned 18. After I entered birthday name SSN etc to setup the account it says I’m restricted. When I called support they tell me it’s a permanent restriction as a “business” decision.

I don’t have any fraud or any suspicious activity I don’t think because I turned 18 yesterday and never owned a card or anything. So I don’t see why Apple Cash/Green dot bank just permanently banned me when I made an Apple Cash account the day I turned 18.

any help would be appreciated

thank you

Posted on Oct 30, 2024 10:51 AM

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Answer 1

Jeff Donald

Level 7

25,953 points

Oct 30, 2024 12:27 PM in response to abigricebowl

Get a copy of four of your credit reports. Someone could have stolen your SSN and opened fraudulent accounts in your name.

Equifax Information Services: P.O. Box 740241 Atlanta, GA 30374 1-800-685-1111

www.equifax.com

Experian: 701 Experian Parkway P.O. Box 2002 Allen, TX 75013 1-888-397-3742

www.experian.com

TransUnion Consumer Relations: 2 Baldwin Place P.O. Box 1000 Chester, PA 19022 1-800-888-4213

www.transunion.com/myoption

LexisNexis Risk Solutions Inc.: RiskView Consumer Inquiry Department P.O. Box 105108 Atlanta, GA 30348-5108 1-866-897-8126

https://risk.lexisnexis.com/consumer-and-data-access-policies

You may be able to get three of the four at the link below.

https://www.annualcreditreport.com/index.action

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Answer 2

abigricebowl Author

Level 1

4 points

Nov 26, 2024 5:51 PM in response to Jeff Donald

So I've checked and nothing suspicious, it showed the first time a company checked my credit was on the 29th the day I turned 18th when I applied for an Apple credit card and a few days later shows Capital One when I applied to them. No events before the 29th. Captial One and Kinecta Credit Union both gave me cards, Apple card didn't get due to an invalid credit history which adds up because I turned 18 that day. So everything else adds up but I don't see why my Apple Wallet account is banned. The day I turned 18 I entered my SSN birthdate etc and says permanently restricted. Every time I call they don't give me a reason, one time the support person slipped up and said something about identify verification issue and that she couldn't reset it. I only gave my birthday SSN address and never got asked for an ID Picture. I asked if I could send my passport or ID to verify but they won't work with me. The reason it took a while to respond to this is I filled a complaint with the Consumer Financial Protection Bureau and they emailed Apple/Green Dot Bank who then a few days later Green Dot called me in the morning, saying they were sorry but a "business decision" has been made and even after the Consumer Financial Protection Bureau told them to talk to me they still didn't give me a reason, ive been 18 less then a month and don't have any history so I don't see the issue, I would like to use apple wallet so I can iMessage $5 to a friend for meals and stuff like that but the support has not worked with me at all.

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