Apple Billing Dispute Resolution

Summary

The Fair Credit Billing Act (FCBA) allows consumers to dispute unauthorized charges without paying them first. If Apple denies a dispute without explanation, it may not be illegal, but you can escalate the issue within Apple or contact consumer protection agencies like the FTC. Consider seeking legal advice for unresolved matters.

Full Conversation

How can they make me pay a charge I didn’t make before I can dispute it?
You can dispute unauthorized charges under the Fair Credit Billing Act (FCBA), which allows you to withhold payment while the dispute is investigated. Ensure you report the charge promptly to your credit card issuer. Have you already contacted your card issuer about this charge?
It’s Apple and Apple withholds access to the App Store limiting functionality of my phone so I cannot download or update my existing apps that have nothing to do with this erroneous charge
In your situation, it’s essential to address the issue both with Apple and your credit card issuer. Under the Fair Credit Billing Act (FCBA), you can dispute unauthorized charges and withhold payment during the investigation. Have you contacted your credit card issuer to initiate this dispute?
Did you not understand me? I can’t initiate the dispute unless I pay the fee. Apple consumes the charge pending against my account. My contact them to tell them that it’s fraudulent or incredibly Bill. They refuse to remove it and insist I pay it and then dispute it most often when I dispute it and I never get my money back and I can’t afford to keep paying for these ridiculous fees and charges that are not mine.
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It seems like you're facing a frustrating situation with Apple regarding unauthorized charges. Here are some general steps you can take:
- Under the Fair Credit Billing Act (FCBA), you should be able to dispute unauthorized charges without paying first.
- Contact your credit card issuer to report the issue and initiate a dispute.
- Consider escalating the issue within Apple, or seek assistance from consumer protection agencies.
Has your credit card issuer provided any guidance or assistance regarding the charge?
I can’t use my credit card because I’m not paying for the fee. It’s still pending on my account. I don’t have the money to pay it. I should not have to pay it. I didn’t make the charge, but it’s preventing me from using my account.
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It sounds like you're in a tough spot. Here's some general advice on how to proceed:
- Fair Credit Billing Act (FCBA): You have the right to dispute unauthorized charges without paying them first.
- Contact your credit card issuer: Inform them about the unauthorized charge and initiate a dispute. They should guide you on next steps.
- Escalate with Apple: Try escalating your issue to higher customer service or through official complaint channels.
- Consumer Protection Agencies: Consider contacting consumer protection agencies for further assistance.
Have you received any guidance from your credit card issuer regarding this charge?
The credit card is not involved because the account over the charge is still pending. It hasn’t processed on my account because there’s no money there.
Case Rating: *
It seems you're dealing with a frustrating issue with Apple. Here are some steps you can consider:
- Fair Credit Billing Act (FCBA): Typically covers unauthorized charges, even if they are pending.
- Escalate with Apple: Contact higher customer service or use formal complaint channels.
- Consumer Protection Agencies: Consider reaching out to them for guidance.
Have you tried escalating the issue within Apple?
Apple will not remove any charge until it is paid at which point can file a dispute but never get answers as to why utcwasv
Case Rating: *
You're facing a challenging situation with Apple regarding pending charges. Here’s a concise summary:
- Fair Credit Billing Act (FCBA): You can dispute unauthorized charges without paying them first.
- Escalate with Apple: Contact higher customer service or use formal complaint channels.
- Consumer Protection Agencies: Consider reaching out for guidance.
Have you had any success with escalating the issue within Apple?
Apple policy is not provide a specific reason why a dispute was denied. Isn’t that illegal?
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Apple's policy of not providing a specific reason for dispute denial can be frustrating, but it may not necessarily be illegal. Under the Fair Credit Billing Act (FCBA), you have the right to dispute unauthorized charges and request explanations. However, this act primarily applies to credit card issuers, not directly to Apple or other merchants.
Have you tried escalating the issue with Apple through official complaint channels or any consumer protection agencies?
Who governs Apple, who do I contact about apples discrepancies
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To address discrepancies with Apple, consider the following steps:
- Contact Apple Support: Escalate your issue through higher customer service or formal complaint channels.
- Consumer Protection Agencies: Reach out to agencies like the Federal Trade Commission (FTC) for assistance.
- Legal Consultation: Explore legal advice for unresolved matters.
Have you tried any consumer protection agencies yet?
Apple nothing it never escalates anything and the ftc is like writing to a ghost. There’s no protection for me and I don’t know legal action that I can take. They can charge me with really want and I have to pay it and no one will protect me.
Case Rating: *
Dealing with billing disputes can be frustrating. Here are some general legal suggestions:
- Fair Credit Billing Act (FCBA): Typically, you can dispute unauthorized charges without paying first.
- Escalate with Apple: Attempt to reach higher customer service or use formal complaint channels.
- Consumer Protection Agencies: Contact agencies like the FTC for guidance.
Have you considered seeking legal advice for further assistance?