How do I dispute an unauthorized Apple subscription charge with my bank?

Unless this is a scam you are seeing in an email or a message and there isn’t actually any purchase, purchases are indeed “authorized” by somebody with access to your accounts, or equipment, or with your permission.

The support article If you see 'apple.com/bill' on your billing statement - Apple Support and the related article Get help with charges from apple.com/bill - Apple Support explain how you can check your iTunes and App Stores purchase history, cancel subscriptions (remember that these need to be canceled at least 24 hours in advance), and track possible sources of unrecognized Apple charges you may see on a bill. These may be purchases by Family Sharing members, others sharing your card (such as a spouse or partner, or a second Apple Account you have; you may not see a receipt).

The article also provides a specific link for contacting Apple if you cannot trace the source of charges, e.g., if you subscribed to something directly with a third party, see: About purchases not billed through the App Store or Apple In-App Purchase - Apple Support instead. In that case you need to work directly with the vendor, not Apple. See also: Fabulous SAS - Unethical app, please dele… - Apple Community

If you use Apple Card you may find this document helpful too ➞ If you see an Apple Services charge you don't recognize on your Apple Card - Apple Support

Also note this service: View your App Store and iTunes Store purchases directly from your financial institution - Apple Support

which may let you view Apple receipt details when you are signed into your financial institution website or mobile app .

If using Family Sharing and viewing purchase history under Report A Problem, make sure the “Apple Account” box is set to “All.” If a purchase is listed in your purchase history and you want to ask for a refund, read this article about how to request a refund for apps or content that you bought from Apple ➞ Request a refund for apps or content that you bought from Apple - Apple Support Remember that many apps have trial periods with subscriptions that then start automatically unless you cancel them in time. If a Family Sharing member made the purchase then you need to discuss this with that person. They would have to initiate any refund request.

● If neither you, nor Apple, nor a Family Sharing member can account for a charge and it ONLY appears on a bill for a charge card you alone control, you may have been the victim of card fraud. Contact your financial institution immediately. Any reimbursement would have to come from them, not Apple. More here —> Refund Rejected on fraudulent transaction - Apple Community

If a reporting a problem request is unsuccessful or you have another issue try contacting Apple. Click here ➞ Contact Apple Support - Apple Support Go to the bottom of the window and you may see options for a telephone call or chat session. This is not available in all countries and the phone numbers tend to not be international.

Other possibilities to consider (not all may apply in your situation):

● Purchases can be made with your account if your Apple Account is compromised (read what to do ➞ If you think your Apple Account has been compromised - Apple Support ) or somebody else has access to your device (require a purchase password as explained in this article ➞ https://support.apple.com/HT204030 ).

● If you only see a charge in emails or texts that are not official Apple receipts, it is likely phishing attempts (see the article: https://support.apple.com/HT204759 ).

● If you see duplicate subscription charges on a card but only one in your Apple subscriptions list, you may have subscribed once in-app through Apple and a second time directly with the vendor on their web site (e.g., YouTube). Cancel one of your subscriptions. The same can happen if you have two Apple Accounts.

● Small amounts of ~$1 may be an authorization hold that will be refunded (pending charge ➞ https://support.apple.com/HT201292 ).

● Unanticipated larger amounts may be grouped smaller charges, e.g., “large digital goods” ( https://support.apple.com/118244#:~:text=Multiple%20items%20might%20be%20grouped%20onto%20one%20bill ).

"How do I dispute an unauthorized Apple subscription charge with my bank?: How do I dispute a charge with my bank for an apple subscription I didn’t get? I need to be able to download apps again "

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Disputing a Charge:

Go Here: Get Help with Charges from apple.com/bill - Apple Support

Also....

Secure your Info:

Being unrecognized charges are showing, I recommend secure your Apple Account, starting with a new password. Proceed a step forward by changing your Apple Account eMail address, and up from there with change all other account passwords being unique.

A. Verify your Devices:

Verify that all devices are logged in to your account, by using this link: Check your Apple ID Device List to See where you're Signed in - Apple Support

then...

B. Modify your Credentials:

Having received this, someone may have your credentials. So, by all means, consider modifying them...

• Modify: your login credentials (Using Both a New eMail and a New Password for each and all sites)
• Associate: a different method of payment to your account
• Enable: Two-Factor Authentication for Apple ID and for all other accounts that have such an applicable option

The people on these boards are mostly other customers. Click here and contact Apple Support through the "Get more help" or "Tell us what’s happening" section at the bottom of the page.

You'll probably be told to pay it and then request a refund through Apple; these aren't guaranteed in most countries.

Disputing iTunes Store charges with the bank should only be done if your card has been compromised and may result in further issues with your account. A fake one wouldn't stop you from downloading applications.

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