User profile for user: rdys
rdys Author
User level: Level 1
4 points

Need Help: Unable to Reach Merchant After Apple Pay Purchase

Hi everyone,


I need some guidance. My daughter made a purchase through Apple Pay on a website called GlamTrend on July 1. Unfortunately, we never received the item, and we’ve been unable to get in touch with the merchant despite multiple attempts.


I’ve already contacted Apple Pay and Green Dot Bank several times (at least six calls), but both keep directing me back to the merchant — who I can’t reach at all. At this point, I feel stuck and don’t know what the next steps should be.


Has anyone else experienced this? Is there a way to escalate a dispute or get help when the merchant is unresponsive?


Any advice would be greatly appreciated.


Thank you!

iPhone 14 Pro Max, iOS 18

Posted on Sep 16, 2025 2:55 PM

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User profile for user: Jeff Donald
Jeff Donald
User level: Level 8
44,580 points

Posted on Sep 16, 2025 3:37 PM

Debit cards offer very few protections, if any, when merchant issues arise. Apple Cash is specifically a prepaid debit card. These type of cards are more akin to paying cash. These consumer transactions may have no protection at all in some cases.


Please review the links I’ve provided below. The terms and conditions will describe the protections, if any. The link to the Consumer Financial Protection Bureau will explain prepaid debit cards.


You also have consumer rights which vary from state to state. CFPB also has a complaint process you may pursue. Unfortunately CFPB was basically gutted by the current administration and may be unable to assist.


Apple Cash is serviced and issued by Green Dot Bank. Please contact an Apple Cash Specialist at Green Dot Bank. 


Contact Green Dot Bank:

  • by calling (877) 233-8552,
  • by mail for disputes at P.O. Box 9, West Chester, Ohio,
  • by mail for general customer service at P.O. Box 1070, West Chester, Ohio 45071,
  • visit www.greendot.com


https://applecash.greendot.com/termsconditions/


For general information about prepaid accounts, visit cfpb.gov/prepaid. 


If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.

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2 replies
Question marked as Top-ranking reply
User profile for user: Jeff Donald
Jeff Donald
User level: Level 8
44,580 points

Sep 16, 2025 3:37 PM in response to rdys

Debit cards offer very few protections, if any, when merchant issues arise. Apple Cash is specifically a prepaid debit card. These type of cards are more akin to paying cash. These consumer transactions may have no protection at all in some cases.


Please review the links I’ve provided below. The terms and conditions will describe the protections, if any. The link to the Consumer Financial Protection Bureau will explain prepaid debit cards.


You also have consumer rights which vary from state to state. CFPB also has a complaint process you may pursue. Unfortunately CFPB was basically gutted by the current administration and may be unable to assist.


Apple Cash is serviced and issued by Green Dot Bank. Please contact an Apple Cash Specialist at Green Dot Bank. 


Contact Green Dot Bank:

  • by calling (877) 233-8552,
  • by mail for disputes at P.O. Box 9, West Chester, Ohio,
  • by mail for general customer service at P.O. Box 1070, West Chester, Ohio 45071,
  • visit www.greendot.com


https://applecash.greendot.com/termsconditions/


For general information about prepaid accounts, visit cfpb.gov/prepaid. 


If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.

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Need Help: Unable to Reach Merchant After Apple Pay Purchase

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