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If you miss an Apple Card payment, Apple disables all your Apple accounts

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Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#131

Post by snemvalts »

brundolf wrote: post #31

Important detail: > The only thing Apple Card was paying for was the 2TB iCloud upgrade — and when I try to change the payment method, it refuses and says “Your account has been disabled in the App Store and iTunes.” It's not hard to imagine a payment issue for iCloud causing iCloud to be locked or otherwise limited, and given that Apple's online services tend to be buggy and unreliable it's not a huge stretch to thi…

You don't even need payment problems, someone can call into the support and have your account disabled.

My mom's Apple account was disabled with the same message, thought it was billing related as well. It turned out that someone with a similar surname had called in and requested their account to be disabled, but the call had cut out. The support rep happily connected the two dots and disabled my mom's account.

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#132

Post by syshum »

ogre_codes wrote: post #78
samatman wrote: post #27

So, little embarrassed to admit this, but: I plumb forgot to set up autopay on my Apple Card when I first got it. I set it up to pay a few subscriptions and promptly forgot about it. As a result, I carried a balance for I think three months without making payments, and only noticed when I hit my credit limit. This was an expensive mistake, and also dinged my credit score for about four months. Still kinda mad at myse…

So here's the weird thing. > No, Apple did not disable my account. I believe you, but I also trust the original poster by reputation. So what is the difference?

>>So what is the difference?

Your expectation that a policy or rule would be enforced evenly across the organization..

I think at this point it is clear that Big Tech do not have any policy, rule or terms of service that is enforced with anything that could be reasonably be considered "uniform"

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#133

Post by oarsinsync »

amelius wrote: post #91
caeril wrote: post #50

Earlier quoted context omitted.

> because each one requires a working phone number to create This isn't true. I have an email-only apple account that works fine. My lock screen constantly carries a "Verify your phone number" badge that's rather annoying, but otherwise everything functions.

So... it works until it doesn't? What if you are traveling and Apple decides they really need your phone number this time, and locks you out of your stuff?

What if you are traveling and Apple decides they really need another identifier, and locks you out of your stuff?

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#134

Post by breck »

kevindong wrote: post #16

This *FEELS* (not saying it is) like a false claim. Much like the much upvoted (and later debunked) HN post from a while back when a iOS developer claimed that Apple always keeps it 30% commission, even on a refunded purchase. I consider it worrying that a claim wholly lacking evidence is getting so much attention. https://news.ycombinator.com/item?id=23995750

This is not a false claim. I didn't miss a payment, but complained about a $10 WaPost recurring charge via their chat support and they went ahead and locked my account (I think they were trying to be helpful but this fucked things up royally). This was many months ago. The support has been nice, but completely neutered. I have screenshots. I've spoken to 8 people and no one can figure it out. I can't log in, pay, or close the account. The only way I still know there is some account in the ether is I get notifications on my phone that I'm being charged interest and letters in the mail I'm being charged interest.

For the record, I always pay the balance in full and until this I loved the UI and the product. But boy what a fucked up support experience and they should probably end relationship with Goldman and just stick to apple pay. There are about 6 points of total failure in the support experience. I could only spend so many hours holding their fucking hands before I had to give up.

I emailed TCook about this on 11/10/2020.

I greatly regret signing up for Apple Card and please DON'T. It was the best card until it stopped working, then it's the worse card I've ever had. I stick to Apple Pay now with an amex.

I'd also recommend using PayPal for recurring charged. 1 click to see all recurring charges and 1 click to cancel. Apple needs this ASAP.

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#135

Post by lotsofpulp »

smoldesu wrote: post #18

Why do we even let Apple do our banking in the first place? I can't really imagine a situation where I'd rather let Apple have all my banking data instead of some random bank. Centralizing your entire digital life like that is begging for identity theft, at least from where I'm standing.

Apple does not do any banking in the first place. They are not a bank, do not function as a bank, nor do they have any the requisite licenses to be a bank.

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#136

Post by [deleted] »

zepto wrote: post #66
RcouF1uZ4gsC wrote: post #9

This is one of the areas where consumers are losing their rights because of leverage by foundational companies. I think it should be illegal for a company to block your account on unrelated services. For example, Facebook should not be able to block your Occulus account, based on what happens on Facebook or WhatsApp. If the companies argue that these accounts are tied to closely together to be able to separate enforc…

> it should be illegal for a company to block your account on unrelated services According to the OP, they haven’t - Sign In with Apple still works.

[deleted]

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#137

Post by lotsofpulp »

ocdtrekkie wrote: post #21
smoldesu wrote: post #18

Why do we even let Apple do our banking in the first place? I can't really imagine a situation where I'd rather let Apple have all my banking data instead of some random bank. Centralizing your entire digital life like that is begging for identity theft, at least from where I'm standing.

Fundamentally, the issue is that a single company is allowed to operate a mobile OS, a web browser, an app market, a banking solution, physical hardware, retail stores, and various other verticals. Google has the exact same problems, for the exact same reasons. Ban vertical integration. The government needs to force divestiture of each product category into a separately run company.

>Ban vertical integration. The government needs to force divestiture of each product category into a separately run company.

Can you give an idea for how this law is written? For example, where is the line for a company that sells butter? Are they able to sell milk? Cheese? Ice cream? Frozen dinners? Wholesale to other restaurants? Are they allowed to open restaurants where they sell the same things they sell in the grocery store?

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#138

Post by acomjean »

ogre_codes wrote: post #78
samatman wrote: post #27

So, little embarrassed to admit this, but: I plumb forgot to set up autopay on my Apple Card when I first got it. I set it up to pay a few subscriptions and promptly forgot about it. As a result, I carried a balance for I think three months without making payments, and only noticed when I hit my credit limit. This was an expensive mistake, and also dinged my credit score for about four months. Still kinda mad at myse…

So here's the weird thing. > No, Apple did not disable my account. I believe you, but I also trust the original poster by reputation. So what is the difference?

It could be just random rule enforcement.

I manually pay my electric and gas. I can skip if for a month (or two) and not a problem. Except sometimes (once)..

I have no idea why. I feel its just some random thing depending on who's running the dept that day.

We experienced the same thing in College when after paying our electric bill for two months, they shut our power off without notice. Upon digging it was because we were still listed as "Residents" on the bills we were paying.

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#139

Post by notJim »

wbronitsky wrote: post #103
dcurtis wrote: post #83

I didn't expect that tweet to get so much attention. I plan to write more about what exactly happened when my accounts are re-activated. But to clear a couple of things up: 1. I've since learned that the reason this happened could be due to an unusual confluence of events including Apple Card, autopay, and the online Apple Store. 2. The disabling of iCloud, App Store, and Apple ID accounts is actually an Apple Card p…

This poster continues to fling accusations at Apple and has yet to provide any proof of any of these suppositions whatsoever. I’m not sure why the commenters are so eager to believe a comment from a random Twitter account posted to HN. Confirmation bias is strong, I guess. This is a heavy accusation and I think the burden is heavily on the accuser to provide clear evidence that lack of payment for anything somehow lo…

The level of evidence you're expecting is unreasonable given the events. Consider it from his perspective, which is what most of us are doing:

You suddenly notice that you can't access any of the stuff you need to live out your life. Oh fuck. You make a tweet in a panic, and maybe hoping to get some attention, since the faceless trillion dollar company doesn't give a fuck about you.

The tweet blows up, and wbronitsky comes along demanding more information. A clear timeline, strong evidence, legal arguments etc etc. Meanwhile this poor guy is just trying to get his shit back.

Trust me, Apple pays plenty of people to run interference for them. You don't need to do it for free.

Re: If you miss an Apple Card payment, Apple disables all your Apple accounts

#140

Post by ArchOversight »

nullserver wrote: post #125
komocode wrote: post #55

Earlier quoted context omitted.

> Why on earth would you set up auto-pay? I've setup auto-pay on several accounts and left it running for over a decade. whatever issue I may have in the future would not exceed the amount of time wasted in manually paying each account.

A surprise 17,000 electric Bill? I don’t hear about it much anymore but for years was terrified of making a cell data mistake and ending up with a 40k+ bill.

None of the electric bills in Texas should have been a surprise. Those people chose to pay market rate for their electricity, that is not always going to turn out well for the consumer during events that would lead to market rate being completely out of wack.
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