Fraudulent charge on my Apple Card

[decypher44]

Just had a fraudulent charge on my Apple Card. Walgreens approx 2000 miles away from me. Kind of shocked, as this is supposed to be one of the most secure cards.

On the plus side, it took about 20 mins with iMessage to file the dispute and have a new number generated. That part was good.

How could this happen? Apple/GS/MC couldn’t say. Anyone else have this happen recently?

 

[decypher44]

Here are some of the comments the card rep sent to me:
“I understand this can be concerning, especially regarding your financial security, however it is the most secure system of credit cards I've ever seen. Not only is it extremely hard to get a hold of credit card information, but if somehow there are fraudulent charges, you will never be held responsible for unauthorized transactions on Apple Card.”

“I'm not entirely sure how this happens. My team is in charge of taking care of unrecognized transactions and we can only see where the transactions was made and what card was used, details of that sort.”

 

[LeeW]

For every 'paid expert' working to secure any card including Apple Card, there are 50 unpaid people with just as much expertise figuring out how to get around what the paid experts put in place to stop fraud. Crime does pay, don't let anyone tell you differently.

 

[AJ44]

Could just be random chance in someone guessing your number or putting in the wrong one.

Generally thieves go after the easiest targets and with Apples increased security over other cards I have to think the thieves are putting their time in elsewhere for a mass breach.

 

[decypher44]

Could just be random chance in someone guessing your number or putting in the wrong one.

Generally thieves go after the easiest targets and with Apples increased security over other cards I have to think the thieves are putting their time in elsewhere for a mass breach.

Yeah, anything is possible. It just seems extremely improbable. I was thinking similar to what you said, and also maybe “wires” got crossed when the transaction was sent to GS/MC. Idk.

The main reason I wanted to say something is to encourage others to make sure to look at the charges coming through, and not assume that everything is legit.

 

[LeeW]

As long as they deal with swiftly and get it off without messing you about, that is the main thing.

 

[Lee_Bo]

The main reason I wanted to say something is to encourage others to make sure to look at the charges coming through, and not assume that everything is legit.

Well since the app is on your device, don’t you get alerts anytime there’s a charge on the card? I get alerted of my monthly iCloud storage fee, a whopping $2.99.

 

[Lee_Bo]

As long as they deal with swiftly and get it off without messing you about, that is the main thing.

Exactly right.

 

[decypher44]

Well since the app is on your device, don’t you get alerts anytime there’s a charge on the card? I get alerted of my monthly iCloud storage fee, a whopping $2.99.

That’s how I knew. But sometimes, I can go hours without looking at my phone (shocking, I know ?). And I receive so many different notifications, I don’t always scrutinize. And if it’s a small charge, I may miss it.

I have to say that the process in dealing with this today is MUCH better than going through it with a “traditional” card. My Visa got skimmed once a few years ago. Having to wait for a new card to arrive in the mail, and having to manually update the info on my Apple Pay account (and everywhere else), it sucked. This was pretty easy and immediate.

Although, the charge still shows. Maybe the credit takes a day to show up?

 

[Lee_Bo]

But sometimes, I can go hours without looking at my phone (shocking, I know ).

What???????

Blasphemy!!!!!!!!

 

[ecschwarz]

That’s how I knew. But sometimes, I can go hours without looking at my phone (shocking, I know ?). And I receive so many different notifications, I don’t always scrutinize. And if it’s a small charge, I may miss it.

For the fraudulent charge, did it have "Card Number Used" or "Physical Card Used" underneath it? Although from a security standpoint, there are some features to help, card numbers could still get generated for those two methods.