{"id":"apple-cash","page":"https://escalate.alexgaoth.com/#/c/apple-cash","html":"https://escalate.alexgaoth.com/c/apple-cash/","generated":"2026-10-15","company":{"id":"apple-cash","name":"Apple Cash","aliases":["apple pay cash","apple cash card"],"sector":"payments","parent":"Apple Inc. (Apple Cash services provided by Green Dot Bank, Member FDIC)","website":"https://www.apple.com/apple-cash/","official_domains":["apple.com","greendot.com"],"security":{"never_asks":[{"kind":"policy","claim":"Apple will not ask you to pay it through Apple Cash.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Apple will never ask for your Apple Account password, verification codes, device passcode, recovery key or any other account security details.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Apple will never ask you to log in to any website, to tap Accept in the two-factor authentication dialog, or to give or enter your password, device passcode or two-factor authentication code on any website.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"},{"kind":"policy","claim":"Apple will never ask you to turn off a security feature on your device or account, such as two-factor authentication or Stolen Device Protection.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"}],"known_scams":[{"kind":"policy","claim":"Scammers pose as Apple Support or other tech support, say there is a problem with your iPhone or other device, and ask you to install screen-sharing software or to send an Apple Cash payment to test the device. Apple says not to make this payment.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers pose as employees of banks, other companies or government agencies such as the IRS and demand an immediate Apple Cash payment, sometimes with threats of law enforcement action. Apple says businesses and government agencies won't request payment through Apple Cash.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers offer to write you a check and ask for an Apple Cash payment in return. The check can bounce, and you may not get your money back.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers call from spoofed numbers that look like Apple's, say that someone broke into your iPhone or iCloud account or made unauthorized Apple Pay charges, and then ask for account information or security codes, often through a fake Apple sign-in page.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"}],"report_phishing":[{"id":"phishing-email","type":"email","label":"Forward suspicious emails that claim to be from Apple","value":"reportphishing@apple.com","purposes":["fraud"],"notes":"For a suspicious text message that claims to be from Apple, take a screenshot of it and email the screenshot to this address.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"},{"id":"facetime-fraud-email","type":"email","label":"Report a suspicious FaceTime call or FaceTime link (email a screenshot)","value":"reportfacetimefraud@apple.com","purposes":["fraud"],"notes":"Apple gives the example of a FaceTime call from what looks like a bank or financial institution. Send a screenshot of the call information, or of the link with the phone number or email address that sent it.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"}]},"regulators":["cfpb","ftc"],"notes":"Apple Cash accounts are held at Green Dot Bank, which handles Apple Cash customer service, error resolution and disputes under the Apple Cash Terms and Conditions. Apple Card is a separate product (see chase for the issuer transition) and is not covered here.","channels":[{"id":"apple-cash-specialist-phone","type":"phone","label":"Apple Cash Specialist at Green Dot Bank","value":"+1-877-233-8552","purposes":["unauthorized_charge","fraud","transaction_dispute","frozen_funds","account_access"],"access":"human_only","notes":"The Apple Cash Terms list the same number for reporting errors and unauthorized transactions.","source":"https://www.apple.com/apple-cash/","last_verified":"2026-10-12"},{"id":"wallet-app-support","type":"app","label":"Call Apple Cash support from the Wallet app","value":"Wallet app > Apple Cash card > More > Card Details > phone icon","purposes":["unauthorized_charge","fraud","transaction_dispute"],"access":"login","source":"https://www.apple.com/apple-cash/","last_verified":"2026-10-12"},{"id":"disputes-mail","type":"mail","label":"Written notice of errors or unauthorized transactions (disputes)","value":"Apple Cash Customer Service, P.O. Box 9, West Chester, OH 45071","purposes":["unauthorized_charge","billing_error","transaction_dispute"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"id":"general-mail","type":"mail","label":"Apple Cash general customer service by mail","value":"Apple Cash Customer Service, P.O. Box 1070, West Chester, OH 45071","source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"id":"apple-phone","type":"phone","label":"Apple (1-800-MY-APPLE)","value":"+1-800-692-7753","access":"human_only","notes":"General Apple support; Apple Cash account questions go to the Green Dot Bank line.","source":"https://www.apple.com/apple-cash/","last_verified":"2026-10-12"}],"escalation":[{"rung":"frontline","channel":"apple-cash-specialist-phone"},{"rung":"written_complaint","channel":"disputes-mail"},{"rung":"regulator","regulator":"cfpb"},{"rung":"regulator","regulator":"fdic","note":"Green Dot Bank is FDIC-insured; the Terms list the FDIC consumer line."},{"rung":"arbitration","note":"The Terms require arbitration; opt-out by signed letter within 30 days."}],"playbooks":[{"issue":"unauthorized_charge","summary":"Call Green Dot Bank's Apple Cash line at once, then put the error in writing; the deadline is 60 days.","evidence":["transaction date and amount","Apple Cash transaction history","proof you did not make it"],"steps":[{"do":"Call the Apple Cash Specialist at Green Dot Bank, or call from the Wallet app (Apple Cash card > More > Card Details > phone icon).","channel":"apple-cash-specialist-phone"},{"do":"Send a written notice of the error to Apple Cash Customer Service and keep a copy.","channel":"disputes-mail"},{"do":"If a debit or prepaid card funded the transfer, also contact that card's issuer."},{"do":"If Green Dot Bank does not fix it, complain to the CFPB.","regulator":"cfpb"}],"facts":[{"kind":"deadline","claim":"You can report an error until 60 days after the earlier of the date you electronically access your Apple Cash balance information or the date of the first written transaction history showing the error.","issues":["unauthorized_charge","billing_error"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"kind":"limit","claim":"If you report within two business days, you can lose no more than $50 when someone used your registered Apple Cash Balance without permission; otherwise you could lose as much as $500.","issues":["unauthorized_charge"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"kind":"process","claim":"Green Dot Bank determines whether an error occurred within 10 business days, may take up to 45 days with a provisional credit within 10 business days, and up to 90 days for new accounts or point-of-sale transactions.","issues":["unauthorized_charge","billing_error"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"}]},{"issue":"fraud","summary":"Apple Cash P2P transfers are non-refundable; report a scam to Green Dot Bank and the FTC at once.","evidence":["transfer details","scammer's messages","FTC or police report number"],"steps":[{"do":"Call the Apple Cash Specialist line and report the transfer.","channel":"apple-cash-specialist-phone"},{"do":"Report the scam to the FTC at reportfraud.ftc.gov.","regulator":"ftc"},{"do":"If a debit or prepaid card funded the transfer, contact that card's issuer."}],"facts":[{"kind":"policy","claim":"Under the Apple Cash Terms, transactions in the Funds Transfer Service, including P2P Transfers, are non-refundable except as the Terms provide or law requires.","issues":["fraud","transaction_dispute"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"kind":"policy","claim":"For loads and P2P transfers funded with a supported payment card, the Terms say payments you are induced to make by an imposter or other fraud are not \"unauthorized\".","issues":["fraud"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"}]}],"facts":[{"kind":"policy","claim":"To reject arbitration, mail a signed written notice with your full name and address, stating that you reject the arbitration provision, by U.S. Mail to Green Dot Bank, Attention: Arbitration Opt Out, P.O. Box 1070, West Chester, OH 45071, within 30 days of the later of creating the Apple Cash account or the date the bank sent notice of the provision.","source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"kind":"process","claim":"Before arbitration or small claims, the Terms require a written Notice of Claim to the bank's registered agent, Corporation Service Company, 251 Little Falls Drive, Wilmington, DE 19808, and 60 days of good-faith effort to resolve it.","source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Green Dot Bank may limit, suspend or terminate use of the Apple Cash services immediately and without prior notice for any reason.","issues":["frozen_funds"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"}],"known_blockers":["Apple Cash support by phone needs the account holder; agents cannot act for the user.","The Wallet app route needs the user's iPhone with Apple Cash set up."]},"playbooks":{"unauthorized_charge":{"company":{"id":"apple-cash","name":"Apple Cash","sector":"payments","website":"https://www.apple.com/apple-cash/","account_url":null},"issue":{"id":"unauthorized_charge","name":"Unauthorized charge"},"playbook_source":"company","summary":"Call Green Dot Bank's Apple Cash line at once, then put the error in writing; the deadline is 60 days.","evidence":["transaction date and amount","Apple Cash transaction history","proof you did not make it"],"steps":[{"do":"Call the Apple Cash Specialist at Green Dot Bank, or call from the Wallet app (Apple Cash card > More > Card Details > phone icon).","channel":{"id":"apple-cash-specialist-phone","type":"phone","label":"Apple Cash Specialist at Green Dot Bank","value":"+1-877-233-8552","purposes":["unauthorized_charge","fraud","transaction_dispute","frozen_funds","account_access"],"access":"human_only","notes":"The Apple Cash Terms list the same number for reporting errors and unauthorized transactions.","source":"https://www.apple.com/apple-cash/","last_verified":"2026-10-12"}},{"do":"Send a written notice of the error to Apple Cash Customer Service and keep a copy.","channel":{"id":"disputes-mail","type":"mail","label":"Written notice of errors or unauthorized transactions (disputes)","value":"Apple Cash Customer Service, P.O. Box 9, West Chester, OH 45071","purposes":["unauthorized_charge","billing_error","transaction_dispute"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"}},{"do":"If a debit or prepaid card funded the transfer, also contact that card's issuer."},{"do":"If Green Dot Bank does not fix it, complain to the CFPB.","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}}],"channels":[{"id":"apple-cash-specialist-phone","type":"phone","label":"Apple Cash Specialist at Green Dot Bank","value":"+1-877-233-8552","purposes":["unauthorized_charge","fraud","transaction_dispute","frozen_funds","account_access"],"access":"human_only","notes":"The Apple Cash Terms list the same number for reporting errors and unauthorized transactions.","source":"https://www.apple.com/apple-cash/","last_verified":"2026-10-12"},{"id":"wallet-app-support","type":"app","label":"Call Apple Cash support from the Wallet app","value":"Wallet app > Apple Cash card > More > Card Details > phone icon","purposes":["unauthorized_charge","fraud","transaction_dispute"],"access":"login","source":"https://www.apple.com/apple-cash/","last_verified":"2026-10-12"},{"id":"disputes-mail","type":"mail","label":"Written notice of errors or unauthorized transactions (disputes)","value":"Apple Cash Customer Service, P.O. Box 9, West Chester, OH 45071","purposes":["unauthorized_charge","billing_error","transaction_dispute"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"id":"general-mail","type":"mail","label":"Apple Cash general customer service by mail","value":"Apple Cash Customer Service, P.O. Box 1070, West Chester, OH 45071","source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"id":"apple-phone","type":"phone","label":"Apple (1-800-MY-APPLE)","value":"+1-800-692-7753","access":"human_only","notes":"General Apple support; Apple Cash account questions go to the Green Dot Bank line.","source":"https://www.apple.com/apple-cash/","last_verified":"2026-10-12"}],"facts":[{"kind":"deadline","claim":"You can report an error until 60 days after the earlier of the date you electronically access your Apple Cash balance information or the date of the first written transaction history showing the error.","issues":["unauthorized_charge","billing_error"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"kind":"limit","claim":"If you report within two business days, you can lose no more than $50 when someone used your registered Apple Cash Balance without permission; otherwise you could lose as much as $500.","issues":["unauthorized_charge"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"kind":"process","claim":"Green Dot Bank determines whether an error occurred within 10 business days, may take up to 45 days with a provisional credit within 10 business days, and up to 90 days for new accounts or point-of-sale transactions.","issues":["unauthorized_charge","billing_error"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"kind":"policy","claim":"To reject arbitration, mail a signed written notice with your full name and address, stating that you reject the arbitration provision, by U.S. Mail to Green Dot Bank, Attention: Arbitration Opt Out, P.O. Box 1070, West Chester, OH 45071, within 30 days of the later of creating the Apple Cash account or the date the bank sent notice of the provision.","source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"kind":"process","claim":"Before arbitration or small claims, the Terms require a written Notice of Claim to the bank's registered agent, Corporation Service Company, 251 Little Falls Drive, Wilmington, DE 19808, and 60 days of good-faith effort to resolve it.","source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"}],"rules":{"in_force":[{"id":"efta-reg-e","title":"Electronic Fund Transfer Act error resolution and unauthorized-transfer liability (Regulation E)","citation":"12 CFR 1005.6; 12 CFR 1005.11; 12 CFR 1005.2(m) (Regulation E)","jurisdiction":"us-federal","status":"in_effect","summary":"For debit cards, ATM transfers, ACH and other electronic fund transfers from a consumer account (including P2P payments that meet the EFT definition), the consumer has 60 days after the statement is sent to report an error. The institution must investigate within 10 business days, or within 45 days if it provisionally credits the account within 10 business days. Liability for unauthorized transfers is capped at $50, $500 or more depending on how fast the consumer reports.","source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12","points":[{"kind":"limit","claim":"If the consumer reports a lost or stolen access device within two business days after learning of the loss or theft, liability is limited to \"the lesser of $50 or the amount of unauthorized transfers that occur before notice\".","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"limit","claim":"If the consumer does not report within two business days after learning of the loss or theft, liability is \"the lesser of $500 or the sum of\" up to $50 of transfers in the first two business days and later transfers the institution shows would have been prevented by timely notice.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"An unauthorized transfer that appears on a periodic statement must be reported \"within 60 days of the financial institution's transmittal of the statement\" to avoid liability for later transfers that timely notice would have prevented. The institution must extend these time limits to a reasonable period when extenuating circumstances (for example extended travel or hospitalization) delayed notice.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"process","claim":"Notice of an unauthorized transfer may be given in person, by phone or in writing. Written notice is considered given at the time the consumer mails it. Lower liability under state law or the account agreement controls.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"policy","claim":"An unauthorized EFT is a transfer from the consumer's account initiated by someone other than the consumer without actual authority and from which the consumer receives no benefit. It does not include a transfer by a person to whom the consumer gave the access device (until the consumer tells the institution that person is no longer authorized), a transfer made with fraudulent intent by the consumer or someone acting with the consumer, or a transfer by the institution or its employee.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/2/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Errors covered by the error-resolution procedure include an unauthorized EFT, an incorrect EFT to or from the account, an omitted transfer on a statement, a computational or bookkeeping error, receiving the wrong amount of cash from an ATM, and a request for documentation or clarification about a transfer.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The consumer must give notice of an error no later than 60 days after the institution sent the periodic statement on which the error first appears. The notice must let the institution identify the consumer's name and account and say why the consumer believes there is an error. If notice is oral, the institution may require written confirmation within 10 business days.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The institution must investigate and decide within 10 business days, report results within 3 business days after it completes the investigation, and correct an error within 1 business day after it finds one. It may take up to 45 days only if it provisionally credits the disputed amount within 10 business days. It need not provisionally credit if it asked for written confirmation of an oral notice and did not receive it within 10 business days.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Longer periods apply in some cases: 20 business days instead of 10 for transfers within 30 days after the first deposit to a new account, and 90 days instead of 45 for point-of-sale debit card transactions, transfers not initiated within a state, and new-account transfers.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"process","claim":"If the institution finds no error, it must give a written explanation and tell the consumer of the right to request the documents it relied on. If it debits a provisional credit, it must notify the consumer of the date and amount and honor checks and preauthorized transfers for five business days after the notice.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"policy","claim":"P2P (CFPB guidance, not rule text): the CFPB's Electronic Fund Transfers FAQs state that any P2P payment that meets the definition of an EFT is covered by EFTA and Regulation E, and that when a consumer is fraudulently induced into sharing account access information with a third party, the resulting transfer by that third party is an unauthorized EFT.","issues":["fraud","unauthorized_charge"],"source":"https://www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/","last_verified":"2026-10-12"},{"kind":"process","claim":"CFPB guidance (Electronic Fund Transfers FAQs): an institution must begin its investigation promptly on an oral or written notice of error and may not require a police report or require the consumer to contact the merchant first. Consumer negligence, such as writing a PIN on the card, cannot be used to impose greater liability.","issues":["fraud","unauthorized_charge"],"source":"https://www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/","last_verified":"2026-10-12"}]},{"id":"rosca-negative-option","title":"Restore Online Shoppers' Confidence Act (ROSCA) negative option requirements","citation":"15 U.S.C. 8401-8405","jurisdiction":"us-federal","status":"in_effect","summary":"A seller that charges consumers online through a negative option feature (for example an automatic renewal or a free trial that converts to paid) must clearly disclose all material terms before taking billing information, get the consumer's express informed consent before charging, and provide simple mechanisms to stop recurring charges. The FTC enforces ROSCA.","source":"https://www.law.cornell.edu/uscode/text/15/8403","last_verified":"2026-10-12","points_omitted":1,"points":[{"kind":"policy","claim":"Before obtaining the consumer's billing information, the seller must provide text that \"clearly and conspicuously discloses all material terms of the transaction\".","issues":["cancel_service","unauthorized_charge"],"source":"https://www.law.cornell.edu/uscode/text/15/8403","last_verified":"2026-10-12"},{"kind":"policy","claim":"The seller must obtain \"a consumer's express informed consent before charging the consumer's credit card, debit card, bank account, or other financial account\".","issues":["unauthorized_charge","billing_error"],"source":"https://www.law.cornell.edu/uscode/text/15/8403","last_verified":"2026-10-12"},{"kind":"policy","claim":"A post-transaction third-party seller may not charge a consumer for an online sale unless it discloses the material terms and gets express informed consent, including the consumer's full account number, before charging. An initial merchant may not pass a customer's account number or other billing information to such a seller.","issues":["unauthorized_charge"],"source":"https://www.law.cornell.edu/uscode/text/15/8402","last_verified":"2026-10-12"},{"kind":"process","claim":"A ROSCA violation is treated as a violation of an FTC rule on unfair or deceptive acts or practices, and the FTC enforces ROSCA with its FTC Act powers and penalties. Report violations to the FTC.","issues":["cancel_service","unauthorized_charge"],"source":"https://www.law.cornell.edu/uscode/text/15/8404","last_verified":"2026-10-12"}]}],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","channel":{"id":"apple-cash-specialist-phone","type":"phone","label":"Apple Cash Specialist at Green Dot Bank","value":"+1-877-233-8552","purposes":["unauthorized_charge","fraud","transaction_dispute","frozen_funds","account_access"],"access":"human_only","notes":"The Apple Cash Terms list the same number for reporting errors and unauthorized transactions.","source":"https://www.apple.com/apple-cash/","last_verified":"2026-10-12"}},{"index":1,"rung":"written_complaint","channel":{"id":"disputes-mail","type":"mail","label":"Written notice of errors or unauthorized transactions (disputes)","value":"Apple Cash Customer Service, P.O. Box 9, West Chester, OH 45071","purposes":["unauthorized_charge","billing_error","transaction_dispute"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"}},{"index":2,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":3,"rung":"regulator","note":"Green Dot Bank is FDIC-insured; the Terms list the FDIC consumer line.","regulator":{"id":"fdic","name":"Federal Deposit Insurance Corporation, Consumer Response Unit","level":"federal","when_to_use":"Use for a complaint about a state-chartered bank that is not a member of the Federal Reserve System, after the bank did not fix it. Complaints against banks must be in writing; the phone line is for general questions.","channels":[{"id":"support-center","type":"web_form","label":"FDIC Information and Support Center (submit a complaint or request help)","value":"https://ask.fdic.gov/fdicinformationandsupportcenter/s/?language=en_US","purposes":["fee_reversal","transaction_dispute","frozen_funds","billing_error"],"notes":"Opens a case for inquiries or complaints about financial institutions, bank failures and deposit insurance.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"contact-center","type":"phone","label":"FDIC Contact Center (1-877-ASK-FDIC)","value":"+1-877-275-3342","hours":"Monday to Friday 8:00 a.m. to 6:00 p.m. ET; Saturday 8:00 a.m. to 1:00 p.m. ET; closed Sunday and federal holidays","notes":"General inquiries only. A complaint against a bank must be submitted in writing.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"mail","type":"mail","label":"Consumer complaint mailing address","value":"1100 Walnut Street, Box","notes":"Address shown on the FDIC consumer complaint process page. The page does not give an addressee line.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The FDIC enforces federal consumer protection laws at state-chartered banks that are not members of the Federal Reserve System. Other regulators handle other banks.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"The Consumer Response Unit investigates complaints about FDIC-supervised banks and may send the complaint to the bank for review and response. Matters outside FDIC jurisdiction get a direct response or a referral.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The Consumer Response Unit acknowledges a complaint within 14 days when a full response will take longer, and generally responds within 60 days when it contacts the bank.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"Include your name, email and mailing address, the bank's full name and address (check it in BankFind), and a written description of the issues in the order they occurred, with names, phone numbers, dates and transaction amounts.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"notes":"Find which agency supervises a bank with BankFind at https://banks.data.fdic.gov/bankfind-suite/bankfind. The FDIC consumer complaint process page was last updated 2025-08-14. The support center page is a script-driven app and may not load for automated agents."}},{"index":4,"rung":"arbitration","note":"The Terms require arbitration; opt-out by signed letter within 30 days."}],"known_blockers":["Apple Cash support by phone needs the account holder; agents cannot act for the user.","The Wallet app route needs the user's iPhone with Apple Cash set up."],"security":{"official_domains":["apple.com","greendot.com"],"never_asks":[{"kind":"policy","claim":"Apple will not ask you to pay it through Apple Cash.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Apple will never ask for your Apple Account password, verification codes, device passcode, recovery key or any other account security details.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Apple will never ask you to log in to any website, to tap Accept in the two-factor authentication dialog, or to give or enter your password, device passcode or two-factor authentication code on any website.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"},{"kind":"policy","claim":"Apple will never ask you to turn off a security feature on your device or account, such as two-factor authentication or Stolen Device Protection.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"}],"known_scams":[{"kind":"policy","claim":"Scammers pose as Apple Support or other tech support, say there is a problem with your iPhone or other device, and ask you to install screen-sharing software or to send an Apple Cash payment to test the device. Apple says not to make this payment.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers pose as employees of banks, other companies or government agencies such as the IRS and demand an immediate Apple Cash payment, sometimes with threats of law enforcement action. Apple says businesses and government agencies won't request payment through Apple Cash.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers offer to write you a check and ask for an Apple Cash payment in return. The check can bounce, and you may not get your money back.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers call from spoofed numbers that look like Apple's, say that someone broke into your iPhone or iCloud account or made unauthorized Apple Pay charges, and then ask for account information or security codes, often through a fake Apple sign-in page.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"}],"report_phishing":[{"id":"phishing-email","type":"email","label":"Forward suspicious emails that claim to be from Apple","value":"reportphishing@apple.com","purposes":["fraud"],"notes":"For a suspicious text message that claims to be from Apple, take a screenshot of it and email the screenshot to this address.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"},{"id":"facetime-fraud-email","type":"email","label":"Report a suspicious FaceTime call or FaceTime link (email a screenshot)","value":"reportfacetimefraud@apple.com","purposes":["fraud"],"notes":"Apple gives the example of a FaceTime call from what looks like a bank or financial institution. Send a screenshot of the call information, or of the link with the phone number or email address that sent it.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":23},"verified_from":{"page":23},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 23 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Apple Cash accounts are held at Green Dot Bank, which handles Apple Cash customer service, error resolution and disputes under the Apple Cash Terms and Conditions. Apple Card is a separate product (see chase for the issuer transition) and is not covered here.","warnings":[]},"fraud":{"company":{"id":"apple-cash","name":"Apple Cash","sector":"payments","website":"https://www.apple.com/apple-cash/","account_url":null},"issue":{"id":"fraud","name":"Fraud or scam"},"playbook_source":"company","summary":"Apple Cash P2P transfers are non-refundable; report a scam to Green Dot Bank and the FTC at once.","evidence":["transfer details","scammer's messages","FTC or police report number"],"steps":[{"do":"Call the Apple Cash Specialist line and report the transfer.","channel":{"id":"apple-cash-specialist-phone","type":"phone","label":"Apple Cash Specialist at Green Dot Bank","value":"+1-877-233-8552","purposes":["unauthorized_charge","fraud","transaction_dispute","frozen_funds","account_access"],"access":"human_only","notes":"The Apple Cash Terms list the same number for reporting errors and unauthorized transactions.","source":"https://www.apple.com/apple-cash/","last_verified":"2026-10-12"}},{"do":"Report the scam to the FTC at reportfraud.ftc.gov.","regulator":{"id":"ftc","name":"Federal Trade Commission","level":"federal","when_to_use":"Report fraud, scams, identity theft and unfair or deceptive business practices, such as a company that blocks cancellation. The FTC does not resolve individual cases, so pursue your refund with the company, your card issuer or a state agency at the same time.","channels":[{"id":"reportfraud","type":"web_form","label":"ReportFraud.ftc.gov","value":"https://reportfraud.ftc.gov/","purposes":["fraud","unauthorized_charge","cancel_service"],"notes":"For fraud, scams and bad business practices.","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"identitytheft","type":"web_form","label":"IdentityTheft.gov (identity theft report and recovery plan)","value":"https://www.identitytheft.gov/","purposes":["fraud"],"source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"donotcall","type":"web_form","label":"National Do Not Call Registry (unwanted calls)","value":"https://www.donotcall.gov/","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"consumer-response-center","type":"phone","label":"Consumer Response Center (1-877-FTC-HELP)","value":"+1-877-382-4357","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"headquarters-mail","type":"mail","label":"FTC headquarters mailing address","value":"Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580","notes":"The contact page lists this headquarters address. Online reporting is the documented path for consumer reports.","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The FTC and other agencies use reports to investigate and bring cases, but cannot resolve cases for individuals.","source":"https://consumer.ftc.gov/consumer-alerts/2023/04/reporting-fraud-101-protect-your-community-reporting-scams","last_verified":"2026-10-12"},{"kind":"process","claim":"Reports go into a secure national database that law enforcement can use. FTC investigators, lawyers and analysts review reports to spot patterns and build cases.","source":"https://consumer.ftc.gov/consumer-alerts/2026/08/did-you-spot-scam-heres-what-do-next","last_verified":"2026-10-12"},{"kind":"process","claim":"After you submit a report, the FTC gives you steps to protect yourself or try to get your money back.","source":"https://consumer.ftc.gov/consumer-alerts/2023/04/reporting-fraud-101-protect-your-community-reporting-scams","last_verified":"2026-10-12"}],"notes":"The FTC collects reports; it does not mediate. A report number is still useful evidence for a card dispute or a state attorney general complaint. ReportFraud.ftc.gov was still the reporting path in an FTC consumer alert dated 2026-08-28."}},{"do":"If a debit or prepaid card funded the transfer, contact that card's issuer."}],"channels":[{"id":"apple-cash-specialist-phone","type":"phone","label":"Apple Cash Specialist at Green Dot Bank","value":"+1-877-233-8552","purposes":["unauthorized_charge","fraud","transaction_dispute","frozen_funds","account_access"],"access":"human_only","notes":"The Apple Cash Terms list the same number for reporting errors and unauthorized transactions.","source":"https://www.apple.com/apple-cash/","last_verified":"2026-10-12"},{"id":"wallet-app-support","type":"app","label":"Call Apple Cash support from the Wallet app","value":"Wallet app > Apple Cash card > More > Card Details > phone icon","purposes":["unauthorized_charge","fraud","transaction_dispute"],"access":"login","source":"https://www.apple.com/apple-cash/","last_verified":"2026-10-12"},{"id":"general-mail","type":"mail","label":"Apple Cash general customer service by mail","value":"Apple Cash Customer Service, P.O. Box 1070, West Chester, OH 45071","source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"id":"apple-phone","type":"phone","label":"Apple (1-800-MY-APPLE)","value":"+1-800-692-7753","access":"human_only","notes":"General Apple support; Apple Cash account questions go to the Green Dot Bank line.","source":"https://www.apple.com/apple-cash/","last_verified":"2026-10-12"}],"facts":[{"kind":"policy","claim":"Under the Apple Cash Terms, transactions in the Funds Transfer Service, including P2P Transfers, are non-refundable except as the Terms provide or law requires.","issues":["fraud","transaction_dispute"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"kind":"policy","claim":"For loads and P2P transfers funded with a supported payment card, the Terms say payments you are induced to make by an imposter or other fraud are not \"unauthorized\".","issues":["fraud"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"kind":"policy","claim":"To reject arbitration, mail a signed written notice with your full name and address, stating that you reject the arbitration provision, by U.S. Mail to Green Dot Bank, Attention: Arbitration Opt Out, P.O. Box 1070, West Chester, OH 45071, within 30 days of the later of creating the Apple Cash account or the date the bank sent notice of the provision.","source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"},{"kind":"process","claim":"Before arbitration or small claims, the Terms require a written Notice of Claim to the bank's registered agent, Corporation Service Company, 251 Little Falls Drive, Wilmington, DE 19808, and 60 days of good-faith effort to resolve it.","source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"}],"rules":{"in_force":[{"id":"efta-reg-e","title":"Electronic Fund Transfer Act error resolution and unauthorized-transfer liability (Regulation E)","citation":"12 CFR 1005.6; 12 CFR 1005.11; 12 CFR 1005.2(m) (Regulation E)","jurisdiction":"us-federal","status":"in_effect","summary":"For debit cards, ATM transfers, ACH and other electronic fund transfers from a consumer account (including P2P payments that meet the EFT definition), the consumer has 60 days after the statement is sent to report an error. The institution must investigate within 10 business days, or within 45 days if it provisionally credits the account within 10 business days. Liability for unauthorized transfers is capped at $50, $500 or more depending on how fast the consumer reports.","source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12","points":[{"kind":"limit","claim":"If the consumer reports a lost or stolen access device within two business days after learning of the loss or theft, liability is limited to \"the lesser of $50 or the amount of unauthorized transfers that occur before notice\".","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"limit","claim":"If the consumer does not report within two business days after learning of the loss or theft, liability is \"the lesser of $500 or the sum of\" up to $50 of transfers in the first two business days and later transfers the institution shows would have been prevented by timely notice.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"An unauthorized transfer that appears on a periodic statement must be reported \"within 60 days of the financial institution's transmittal of the statement\" to avoid liability for later transfers that timely notice would have prevented. The institution must extend these time limits to a reasonable period when extenuating circumstances (for example extended travel or hospitalization) delayed notice.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"process","claim":"Notice of an unauthorized transfer may be given in person, by phone or in writing. Written notice is considered given at the time the consumer mails it. Lower liability under state law or the account agreement controls.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"policy","claim":"An unauthorized EFT is a transfer from the consumer's account initiated by someone other than the consumer without actual authority and from which the consumer receives no benefit. It does not include a transfer by a person to whom the consumer gave the access device (until the consumer tells the institution that person is no longer authorized), a transfer made with fraudulent intent by the consumer or someone acting with the consumer, or a transfer by the institution or its employee.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/2/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Errors covered by the error-resolution procedure include an unauthorized EFT, an incorrect EFT to or from the account, an omitted transfer on a statement, a computational or bookkeeping error, receiving the wrong amount of cash from an ATM, and a request for documentation or clarification about a transfer.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The consumer must give notice of an error no later than 60 days after the institution sent the periodic statement on which the error first appears. The notice must let the institution identify the consumer's name and account and say why the consumer believes there is an error. If notice is oral, the institution may require written confirmation within 10 business days.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The institution must investigate and decide within 10 business days, report results within 3 business days after it completes the investigation, and correct an error within 1 business day after it finds one. It may take up to 45 days only if it provisionally credits the disputed amount within 10 business days. It need not provisionally credit if it asked for written confirmation of an oral notice and did not receive it within 10 business days.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Longer periods apply in some cases: 20 business days instead of 10 for transfers within 30 days after the first deposit to a new account, and 90 days instead of 45 for point-of-sale debit card transactions, transfers not initiated within a state, and new-account transfers.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"process","claim":"If the institution finds no error, it must give a written explanation and tell the consumer of the right to request the documents it relied on. If it debits a provisional credit, it must notify the consumer of the date and amount and honor checks and preauthorized transfers for five business days after the notice.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"policy","claim":"P2P (CFPB guidance, not rule text): the CFPB's Electronic Fund Transfers FAQs state that any P2P payment that meets the definition of an EFT is covered by EFTA and Regulation E, and that when a consumer is fraudulently induced into sharing account access information with a third party, the resulting transfer by that third party is an unauthorized EFT.","issues":["fraud","unauthorized_charge"],"source":"https://www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/","last_verified":"2026-10-12"},{"kind":"process","claim":"CFPB guidance (Electronic Fund Transfers FAQs): an institution must begin its investigation promptly on an oral or written notice of error and may not require a police report or require the consumer to contact the merchant first. Consumer negligence, such as writing a PIN on the card, cannot be used to impose greater liability.","issues":["fraud","unauthorized_charge"],"source":"https://www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/","last_verified":"2026-10-12"}]}],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","channel":{"id":"apple-cash-specialist-phone","type":"phone","label":"Apple Cash Specialist at Green Dot Bank","value":"+1-877-233-8552","purposes":["unauthorized_charge","fraud","transaction_dispute","frozen_funds","account_access"],"access":"human_only","notes":"The Apple Cash Terms list the same number for reporting errors and unauthorized transactions.","source":"https://www.apple.com/apple-cash/","last_verified":"2026-10-12"}},{"index":1,"rung":"written_complaint","channel":{"id":"disputes-mail","type":"mail","label":"Written notice of errors or unauthorized transactions (disputes)","value":"Apple Cash Customer Service, P.O. Box 9, West Chester, OH 45071","purposes":["unauthorized_charge","billing_error","transaction_dispute"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"}},{"index":2,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":3,"rung":"regulator","note":"Green Dot Bank is FDIC-insured; the Terms list the FDIC consumer line.","regulator":{"id":"fdic","name":"Federal Deposit Insurance Corporation, Consumer Response Unit","level":"federal","when_to_use":"Use for a complaint about a state-chartered bank that is not a member of the Federal Reserve System, after the bank did not fix it. Complaints against banks must be in writing; the phone line is for general questions.","channels":[{"id":"support-center","type":"web_form","label":"FDIC Information and Support Center (submit a complaint or request help)","value":"https://ask.fdic.gov/fdicinformationandsupportcenter/s/?language=en_US","purposes":["fee_reversal","transaction_dispute","frozen_funds","billing_error"],"notes":"Opens a case for inquiries or complaints about financial institutions, bank failures and deposit insurance.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"contact-center","type":"phone","label":"FDIC Contact Center (1-877-ASK-FDIC)","value":"+1-877-275-3342","hours":"Monday to Friday 8:00 a.m. to 6:00 p.m. ET; Saturday 8:00 a.m. to 1:00 p.m. ET; closed Sunday and federal holidays","notes":"General inquiries only. A complaint against a bank must be submitted in writing.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"mail","type":"mail","label":"Consumer complaint mailing address","value":"1100 Walnut Street, Box","notes":"Address shown on the FDIC consumer complaint process page. The page does not give an addressee line.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The FDIC enforces federal consumer protection laws at state-chartered banks that are not members of the Federal Reserve System. Other regulators handle other banks.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"The Consumer Response Unit investigates complaints about FDIC-supervised banks and may send the complaint to the bank for review and response. Matters outside FDIC jurisdiction get a direct response or a referral.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The Consumer Response Unit acknowledges a complaint within 14 days when a full response will take longer, and generally responds within 60 days when it contacts the bank.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"Include your name, email and mailing address, the bank's full name and address (check it in BankFind), and a written description of the issues in the order they occurred, with names, phone numbers, dates and transaction amounts.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"notes":"Find which agency supervises a bank with BankFind at https://banks.data.fdic.gov/bankfind-suite/bankfind. The FDIC consumer complaint process page was last updated 2025-08-14. The support center page is a script-driven app and may not load for automated agents."}},{"index":4,"rung":"arbitration","note":"The Terms require arbitration; opt-out by signed letter within 30 days."}],"known_blockers":["Apple Cash support by phone needs the account holder; agents cannot act for the user.","The Wallet app route needs the user's iPhone with Apple Cash set up."],"security":{"official_domains":["apple.com","greendot.com"],"never_asks":[{"kind":"policy","claim":"Apple will not ask you to pay it through Apple Cash.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Apple will never ask for your Apple Account password, verification codes, device passcode, recovery key or any other account security details.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Apple will never ask you to log in to any website, to tap Accept in the two-factor authentication dialog, or to give or enter your password, device passcode or two-factor authentication code on any website.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"},{"kind":"policy","claim":"Apple will never ask you to turn off a security feature on your device or account, such as two-factor authentication or Stolen Device Protection.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"}],"known_scams":[{"kind":"policy","claim":"Scammers pose as Apple Support or other tech support, say there is a problem with your iPhone or other device, and ask you to install screen-sharing software or to send an Apple Cash payment to test the device. Apple says not to make this payment.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers pose as employees of banks, other companies or government agencies such as the IRS and demand an immediate Apple Cash payment, sometimes with threats of law enforcement action. Apple says businesses and government agencies won't request payment through Apple Cash.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers offer to write you a check and ask for an Apple Cash payment in return. The check can bounce, and you may not get your money back.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers call from spoofed numbers that look like Apple's, say that someone broke into your iPhone or iCloud account or made unauthorized Apple Pay charges, and then ask for account information or security codes, often through a fake Apple sign-in page.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"}],"report_phishing":[{"id":"phishing-email","type":"email","label":"Forward suspicious emails that claim to be from Apple","value":"reportphishing@apple.com","purposes":["fraud"],"notes":"For a suspicious text message that claims to be from Apple, take a screenshot of it and email the screenshot to this address.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"},{"id":"facetime-fraud-email","type":"email","label":"Report a suspicious FaceTime call or FaceTime link (email a screenshot)","value":"reportfacetimefraud@apple.com","purposes":["fraud"],"notes":"Apple gives the example of a FaceTime call from what looks like a bank or financial institution. Send a screenshot of the call information, or of the link with the phone number or email address that sent it.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":23},"verified_from":{"page":23},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 23 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Apple Cash accounts are held at Green Dot Bank, which handles Apple Cash customer service, error resolution and disputes under the Apple Cash Terms and Conditions. Apple Card is a separate product (see chase for the issuer transition) and is not covered here.","warnings":[]}},"escalation":[{"index":0,"rung":"frontline","channel":{"id":"apple-cash-specialist-phone","type":"phone","label":"Apple Cash Specialist at Green Dot Bank","value":"+1-877-233-8552","purposes":["unauthorized_charge","fraud","transaction_dispute","frozen_funds","account_access"],"access":"human_only","notes":"The Apple Cash Terms list the same number for reporting errors and unauthorized transactions.","source":"https://www.apple.com/apple-cash/","last_verified":"2026-10-12"}},{"index":1,"rung":"written_complaint","channel":{"id":"disputes-mail","type":"mail","label":"Written notice of errors or unauthorized transactions (disputes)","value":"Apple Cash Customer Service, P.O. Box 9, West Chester, OH 45071","purposes":["unauthorized_charge","billing_error","transaction_dispute"],"source":"https://applecash.greendot.com/termsconditions/","last_verified":"2026-10-12"}},{"index":2,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":3,"rung":"regulator","note":"Green Dot Bank is FDIC-insured; the Terms list the FDIC consumer line.","regulator":{"id":"fdic","name":"Federal Deposit Insurance Corporation, Consumer Response Unit","level":"federal","when_to_use":"Use for a complaint about a state-chartered bank that is not a member of the Federal Reserve System, after the bank did not fix it. Complaints against banks must be in writing; the phone line is for general questions.","channels":[{"id":"support-center","type":"web_form","label":"FDIC Information and Support Center (submit a complaint or request help)","value":"https://ask.fdic.gov/fdicinformationandsupportcenter/s/?language=en_US","purposes":["fee_reversal","transaction_dispute","frozen_funds","billing_error"],"notes":"Opens a case for inquiries or complaints about financial institutions, bank failures and deposit insurance.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"contact-center","type":"phone","label":"FDIC Contact Center (1-877-ASK-FDIC)","value":"+1-877-275-3342","hours":"Monday to Friday 8:00 a.m. to 6:00 p.m. ET; Saturday 8:00 a.m. to 1:00 p.m. ET; closed Sunday and federal holidays","notes":"General inquiries only. A complaint against a bank must be submitted in writing.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"mail","type":"mail","label":"Consumer complaint mailing address","value":"1100 Walnut Street, Box","notes":"Address shown on the FDIC consumer complaint process page. The page does not give an addressee line.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The FDIC enforces federal consumer protection laws at state-chartered banks that are not members of the Federal Reserve System. Other regulators handle other banks.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"The Consumer Response Unit investigates complaints about FDIC-supervised banks and may send the complaint to the bank for review and response. Matters outside FDIC jurisdiction get a direct response or a referral.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The Consumer Response Unit acknowledges a complaint within 14 days when a full response will take longer, and generally responds within 60 days when it contacts the bank.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"Include your name, email and mailing address, the bank's full name and address (check it in BankFind), and a written description of the issues in the order they occurred, with names, phone numbers, dates and transaction amounts.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"notes":"Find which agency supervises a bank with BankFind at https://banks.data.fdic.gov/bankfind-suite/bankfind. The FDIC consumer complaint process page was last updated 2025-08-14. The support center page is a script-driven app and may not load for automated agents."}},{"index":4,"rung":"arbitration","note":"The Terms require arbitration; opt-out by signed letter within 30 days."}],"security":{"official_domains":["apple.com","greendot.com"],"never_asks":[{"kind":"policy","claim":"Apple will not ask you to pay it through Apple Cash.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Apple will never ask for your Apple Account password, verification codes, device passcode, recovery key or any other account security details.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Apple will never ask you to log in to any website, to tap Accept in the two-factor authentication dialog, or to give or enter your password, device passcode or two-factor authentication code on any website.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"},{"kind":"policy","claim":"Apple will never ask you to turn off a security feature on your device or account, such as two-factor authentication or Stolen Device Protection.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"}],"known_scams":[{"kind":"policy","claim":"Scammers pose as Apple Support or other tech support, say there is a problem with your iPhone or other device, and ask you to install screen-sharing software or to send an Apple Cash payment to test the device. Apple says not to make this payment.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers pose as employees of banks, other companies or government agencies such as the IRS and demand an immediate Apple Cash payment, sometimes with threats of law enforcement action. Apple says businesses and government agencies won't request payment through Apple Cash.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers offer to write you a check and ask for an Apple Cash payment in return. The check can bounce, and you may not get your money back.","source":"https://support.apple.com/en-us/102461","last_verified":"2026-10-12"},{"kind":"policy","claim":"Scammers call from spoofed numbers that look like Apple's, say that someone broke into your iPhone or iCloud account or made unauthorized Apple Pay charges, and then ask for account information or security codes, often through a fake Apple sign-in page.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"}],"report_phishing":[{"id":"phishing-email","type":"email","label":"Forward suspicious emails that claim to be from Apple","value":"reportphishing@apple.com","purposes":["fraud"],"notes":"For a suspicious text message that claims to be from Apple, take a screenshot of it and email the screenshot to this address.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"},{"id":"facetime-fraud-email","type":"email","label":"Report a suspicious FaceTime call or FaceTime link (email a screenshot)","value":"reportfacetimefraud@apple.com","purposes":["fraud"],"notes":"Apple gives the example of a FaceTime call from what looks like a bank or financial institution. Send a screenshot of the call information, or of the link with the phone number or email address that sent it.","source":"https://support.apple.com/en-us/102568","last_verified":"2026-10-12"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":23},"verified_from":{"page":23},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 23 sources are the organization's own pages or government sites.","dossier_last_verified":null},"dossier":null,"guide":{"key":"payments","title":"Payment apps and money transfer services — how complaints work","last_verified":"2026-10-12","file":"guides/payments.md","page":"https://escalate.alexgaoth.com/#/guides/payments"}}