Update on Apple Pay / bank - Fraud (UK)
Ok so just thought I would bring everyone up to speed on what’s happened with my fight with Monzo bank for unauthorised transactions from our joint account without us knowing and paid to 5 separate Revolut payment cards ..
we have been fighting this since March 24 when the alarm was raised when the transactions started leaving our account showing on our Apple Watches while we sat and watched TV .. we immediately emptied the account of all remaining funds and contacted MONZO , who froze all cards associated immediately and then started to look into it .. we contact Revolut who told us to go away as we are not customers , we contacted Apple support who said that the payments had not shown up on our account history .. however have now said they should have not said that ? … that same day Monzo fraud specialist team …LOL we have authorised it and they will not pay the money back (£650)
The whole case eventually after arguing with Monzo was sent across to the financial ombudsman who have looked into it and said that they will rule in favour of the bank saying that the payment token was set up in September 2024 on my wife’s iPhone and approved via the Monzo app !!!!!!! So in nut shell we have done it which is total nonsense!
we have no dealings with revolut , the money was leaving our account one after the other £100 then £150 the £100 etc while my wife was screaming at me someone is taken money out of our account ! and no one can explain how !! All we can assume we have been subject to a very clever set of fraudsters who have accessed our account wither Apple Pay , iPhone or bank without us knowing set up a payment token and used it 6 months later ..
we have checked our payment history back in September and everything looks in order , no dodgy payments , in fact my wife never really uses Apple Pay online , last used was July 2024 , and always uses her phone as tap and pay .
some have said that her card has been skimmed yet this does not explain how they have been able to access Apple Pay to set up this so called payment token
in a nutshell we have lost £650 ($893) in 13 min’s and can’t prove this is fraud !
we are about to close our Monzo bank accounts and stop using Apple Pay as somewhere down the line one of these is to blame for all this ! So please please be very careful what you do only have minimal funds in your debit account and have the rest in a savings account that can be used to move money around as and when needed
we shouted out to Apple support again for help and as expected we got passed from one advisor to another , one said one thing and the other said another , it was basically go away we don’t want to know … thanks allot ! Small fish in big ocean springs to mind !!
So don’t use Apple Pay and don’t bank with Monzo
one last evidence I’ve supplied yesterday , I put my wife’s email account which is her Apple account in NORD VPN and this has come back with a dark web breach back in September 2024 ? Possible details been leaked from a website that sells left over tickets for shows in London , I’ve send this to the ombudsman so hopefully this will help our case , yet it still does not explain how they have been able to set up the payments , my wife never used this company and never paid for anything just simple registered with NO payment . Who knows !
thanks for your time if you have read this right to the bottom
take care and be careful we are always under attack ! and the so called financial institutions won’t help us , yet want our money !
Andy
iPhone 13 Pro Max, iOS 18