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This exact scam happened to a coworker's wife and the bank refused to consider it fraud since she "authorized" it by giving the confirmation code for Apple Pay

• kube-system 5y ago
  I find it interesting that this is the level of detail discussed with the bank. Our family has had 3 instances of unauthorized charges over the years, and the most we've ever done was to sign a form that basically says "we didn't make these charges" Did they volunteer these details or were they asked? This is just conjecture, but sometimes when people volunteer too much information to front-line support you can get erratic responses if they latch on to superficial parts of the story rather than the underlying message. i.e. support just hears "I gave someone access", and they close the ticket under "customer authorized someone else to purchase", because they're following a decision tree, not analyzing the root cause of a security incident.
• staticassertion 5y ago
  This is one of the nice things with credit cards. I've never had an issue with a chargeback, and in the case where a card was stolen the charges were just reversed.
• turtlebits 5y ago
  In general, banking customer service sucks. I try to buy everything on my AMEX. Their service is excellent. I've never had to fill out a dispute form or give them any kind of proof when disputing a transaction, just a short call and they take care of it.