dispute apple charge

Dispute Apple Charge: Here’s Your Guide To Requesting Refund From Apple

Finance 7 Mins Read
published on: 20 June 2023 last updated on: 23 October 2023

Some Apple users often make transactions using their Apple cards. While Apple is usually very transparent and apt, minor mistakes can happen. So, if you want to know how to dispute Your apple charge, then this article should be worth checking out.

Sometimes you might face transaction issues or end up paying unnecessarily on your iTunes account or Apple device. But Apple does not provide an option for the customers to process their refund. What will you do in that case? A simple solution is to dispute Apple charges.

Since Apple’s policies apply to all purchases made using Apple Pay, they hold the right to process the refund. If you have faced any such payment and transaction-related conveniences from Apple, then they will definitely makeup for it.

How To Dispute Apple charges? Step-By-Step Guide

How to dispute Apple charges Step-By-Step Guide

Go through these steps if you want to dispute your Apple charges done through Apple Cards.

  1. On your iPhone, run the Wallet App. If you are using an iPad, go to Settings and tap Wallet & Apple Pay.
  2. Now select Apple Pay.
  3. Now, look for your latest transactions and find the one you want to dispute.
  4. There will be an option called Transaction History. Under that section, tap on the transaction.
  5. Click on “Report an Issue”
  6. Now choose the issue that you are experiencing and tap the option “Continue.”
  7. Now select the option “Continue to Chat.”
  8. You will see pre-written messages opening in the chat. Following that, you have to click on the Send option.

Once you send a message, you will probably receive a form that requires you to fill in most of your information. This information is usually about the dispute. Or, you can also get directed toward the Apple Card Specialist.

But, if you are receiving a form, fill it out and submit it. Doing so will get your form seen by Goldman Sachs, who will be coercive and investigate the dispute you have raised against a purchase.

Once you have fulfilled these stages, things can play out differently. Here are the different possibilities once you dispute Apple charges by filling out forms –

How To Dispute Apple Card Charge On Your iPhone?

How To Dispute Apple Card Charge On Your iPhone

The Apple card works with the Apple Wallet seamlessly. Users can apply for an Apple Card through the Wallet Application. The app itself can store payment credentials. You can report transaction issues or dispute any charge within the Apple Wallet.

It will only take a few taps on your iPhone to dispute or report an Apple Charge. Here is a step-by-step guide for iPHone users to follow —

  • First, open your Apple Wallet App.
  • Now, tap on Apple Card.
  • Look for the latest transaction now. Search and choose the transaction that you want to report and dispute.
  • There is an option called fraudulent or erroneous charge under Transaction History.
  • At the bottom, click on the Report and Issue option.
  • Now choose Dispute Charge and select a reason for your action. There will be a list of reasons for a dispute. It could be because of an Incorrect Amount, an Item Damaged or Returned, a Duplicate Charge, or for items or services cancellation. You have to now tap on the most appropriate reason for yourself.
  • At the top right corner, you need to tap on the option Done.

This will make the Messages app launch, and you will be able to chat with the Goldman Sachs representatives. When the pre-written texts appear, you need to tap on the Send option.

How To Dispute Apple Card Charges On Your iPad?

Here is how iPad users can dispute their Apple Card Charges —

  • First, you have to open the settings App.
  • Now, tap on Wallet & Apple Pay.
  • Now, tap on your Apple Card.
  • Look for the Transactions tab. Now look for and click on the charge you want to dispute.
  • Look for the option reading Report an Issue and tap on it.
  • Tap on Dispute Charge. Now choose an appropriate reason from the list that appears on the screen.
  • Confirm the action by tapping on Done.

This will prompt the messaging app, and the pre-written messages will show up. Tap on the Send button. Then the Goldman Sachs representatives will reply to begin the investigation.

It will take a few minutes for the investigation to complete. But, in some cases, the investigation can also take a few months. It all depends on how complex the situation is. Once the investigation is done, you will get a notification from Apple. So, these were the methods used for disputing an Apple Charge through iPad and iPhone.

When The Transaction Shows Apple?

When The Transaction Shows Apple

You will probably see the dispute saying Apple. This way, you can request a refund from Apple. You can ask for a refund for the app you purchased and raise a dispute because of some issues with the purchase. It is almost like getting an invoice generated easily at Zintego.com

When The Translation Shows Apple Store?

When you dispute Apple charges for a particular purchase, and the report after submitting the form shows the Apple store, you can check the order status. You can also track a delivery, view your pickup details, and edit your delivery and email address. You can also print invoices or check your online order status.

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Is The Transaction Pending?

Is The Transaction Pending

You can also have your transaction pending. If you see that the transaction is still in pending status, you can ask the merchant to fulfill the transaction. Or you can also wait until the transaction clears on its own.

It is common for merchants to hold onto your card while making a purchase. Usually, they put this hold for an excessive amount than what you are willing to pay at the moment. You can wait until the transaction clears to prove that you were charged incorrectly. You can expect a transaction to clear within 7 business days. However, some charges, like hotels and airlines, usually take longer.

Are You A Part Of An Apple Card Family Account?

Are You A Part Of An Apple Card Family Account

Are you in joint ownership of an Apple Card Account with your family member? In that case, you can view which participant or owner has made a payment. Even account owners and Co-owners can also dispute Apple Charges if they face any issue with the transactions made.

However, if you are planning to dispute an Apple charge, it is suggested to communicate with the co-owners who have made the transaction. You can also lock a shared Apple card and stop the other participants from using it. This will stop them from purchasing using the account.

However, if you have an Apple Card Family account, you will only be able to dispute transactions made by you.

How Does Apple Handle Apple Card Disputes?

How Does Apple Handle Apple Card Disputes

Once Apple receives a disputed Apple charge, they usually take two billing cycles to resolve it. When your dispute is in the processing period, you will receive a confirmation email on your Apple ID email address. You may also receive a temporary credit amount for a disputed amount.

You will not have to pay any interest changes during this time. The Charges also do not accrue interest.

They Might Ask For Additional Evidence

Apple can also reach out to you, asking for additional information regarding the dispute. Some examples of this evidence include – tracking numbers, receipts, or written interactions with the merchant. After contacting you, they will also contact the merchant, and they will have 45 days to respond.

Your Apple Charges Dispute Might Get Approved

Your Apple Charges Dispute Might Get Approved

Apple goes through all the evidence before making a final decision. If the dispute is approved, you will be able to keep the temporary credit you received along with the credit for potential interest charges. However, if the merchant also issues a credit to your account once the dispute is approved, your permanent credit will be reversed.

You Dispute Apple Charges, And It Does Not Get Approved…

You Dispute Apple Charges, And It Does Not Get Approved

During the Apple charges dispute, you might have received a temporary credit. All or a certain amount of this amount will get reversed. You will see this amount in the wallet app as a transaction, and it will appear on your next monthly statement. Automatically, the account balance will increase by the amount of the reversed credit.

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Bottom Line

You can dispute Apple charges if there were any issues regarding any of your purchases using Apple Card. However, you must also know that customers cannot process refunds directly through Apple. However, they can raise an issue and contact Apple directly. By giving all the necessary proof, customers can get Apple to process a refund for the inconvenience caused. However, you should also be clear on the issue raised and have valid reasons for questioning an action.

I hope that your issue has been resolved. Please let us know if this article was any help to you. We await your valuable feedback.

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Shahnawaz is a passionate and professional Content writer. He loves to read, write, draw and share his knowledge in different niches like Technology, Cryptocurrency, Travel,Social Media, Social Media Marketing, and Healthcare.

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