Apple Card daily cash adjustment for stolen card balance

Question

Level 1

4 points

Apple Card daily cash adjustment for stolen card balance

I have never used my Apple Card, but it was hacked and used for over $700 in purchases. After investigation, Goldman Sachs reversed all charges bringing me to back to zero balance. Today I received notice that my Apple Card is over due for $2.70 because of "Daily Cash Adjustment" for the month the card was stolen (September). I was unable to reach anyone by phone (the robot actually hung up on me stating my request was not understandable and to try again. Second try - same result). It's only $2.70, but I don't want to pay it and set a precedent future charges on non-purchases. Any ideas how to remedy this are welcome. Thanks.

[Re-Titled by Moderator]

Original Title: Daily Cash Adjustment Issue

iPhone 14 Plus

Posted on Nov 1, 2025 11:35 AM

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Answer 1

Nov 1, 2025 11:54 AM in response to Golaud

Your AppleCash was credited for some percentage of the fraudulent charges. (prior to them being reversed)

When an AppleCard credit is issued, Goldman Sachs doesn’t “clawback” from AppleCash …

… rather, they add an AppleCard “charge” to balance the earlier AppleCash “credit.”

Restated: You get to keep the AppleCash earned as a result of the Fraud … but your AppleCard will subsequently be billed for an equal amount.

This sounds perfectly normal.

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Answer 2

Jeff Donald

Level 8

44,034 points

Nov 1, 2025 1:30 PM in response to Golaud

Chattanoogan is absolutely correct. It’s illegal to profit from fraud. Just pay it and the episode is over.

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