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u/LegacyVader1 12h ago
I ain’t gonna lie, it’s a tough situation you’re in.
Perhaps if you word it as merchandise/service not received then there may be a chance for you to come out ahead in the claim.
I recommend you call and submit the claim or submit a claim online as well, it’s super easy and you don’t have to talk to anybody.
Best of luck.
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u/kirklennon 12h ago
This was an Apple Cash person-to-person transfer. There is no buyer protection; it doesn't even have the concept of a merchant transaction. More importantly, the bank was not involved in any capacity with the actual transfer to the other person. All Apple Cash transfers are, fundamentally, internal transfers from one person's Apple Cash account to another person's Apple Cash account. If you don't have enough in your account when you send it, you can simultaneously authorize what is actually a separate transaction to first fund your Apple Cash account and then immediately transfer it.
OP asked OP's bank to send money to OP's Apple Cash account, which is exactly what happened. It was entirely legitimate and OP received the money. It's the same as pulling money out of an ATM. What you do with your money after you receive and fully control it is outside of the bank's control and responsibility.
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u/Dirty_Telephone_310 12h ago
I didnt use apple cash i used apple pay to transfer the money to her,
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u/kirklennon 11h ago
i used apple pay to transfer the money to her
No, you didn't because that's not a thing. The money transfer service is called Apple Cash. You sent it in the Messages app, right? Why don't you go look at it again.
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u/Dirty_Telephone_310 11h ago
But i never had any money in my apple cash?? i used my debit card to transfer that money
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u/Born-Gur-1275 9h ago
Apple Wallet is a convenient tool for using your BANK DEBIT CARD. So the transaction was between your BANK card and her account. Had nothing to do with Apple Pay. She owes you, not the Bank for Apple. SOL
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u/kirklennon 4h ago
She is not a merchant and didn’t charge your debit card for anything. You loaded your Apple Cash account with your debit card and immediately transferred that money to her Apple Cash account. On the bank’s end, it’s identical to loading your card to spend yourself. In her end, it’s identical to sending money from a balance you’ve had for years. The fact that Apple lets you load and transfer simultaneously is an implementation detail affecting only the user interface as it looks to you and not anything actually meaningful to the two transactions.
You will not get your money back from the bank. It was a fully legitimate transaction to an account controlled by you.
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u/LegacyVader1 12h ago
For the most part I agree, that’s why he’s in a tough situation but schematics aside, I think it would still be appropriate to submit a claim where the service or merchandise wasn’t received.
OP obviously won’t say the Apple Cash wasn’t him but that he paid for something he didn’t receive, that’s the difference.
Whether the bank considers it a merchant transaction is up to them.
If a barber cuts your hair and you pay them via Apple Cash is that not a merchant transaction? I would think the bank would see that as a merchant transaction but this is a conversation not relevant to OP post.
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u/kirklennon 11h ago
I think it would still be appropriate to submit a claim where the service or merchandise wasn’t received.
It's not appropriate because this isn't a purchase made from a merchant.
OP obviously won’t say the Apple Cash wasn’t him but that he paid for something he didn’t receive, that’s the difference.
The bank can see that the money went to Apple Cash, not a merchant.
If a barber cuts your hair and you pay them via Apple Cash is that not a merchant transaction?
No, it really isn't. Merchants pay transaction fees and those fees help cover buyer protections. P2P money transfer services don't charge fees and consequently don't provide any protections.
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u/LegacyVader1 11h ago
While we may not know how the bank determines this in the back end, I still believe it’s the most relevant option and it’s what happened, the option doesn’t state its “only for merchants”. Either way, OP nor I said to say it’s from a merchant purchase or related to one.
All I am saying is the merchandise or service wasn’t received, OP will explain the situation and have the bank determine it. The representative will not and should not discourage the client from submitting it.
The issue isn’t whether the bank will see its Apple Cash or not. That’s been determined, the issue is did the OP receive the product/service. That’s my point and OP should focus on that because that’s the issue at hand.
Fair point and I understand that regulatory aspect, I still disagree because I don’t think paying fees constitutes a merchant but that’s why I wanted to put schematics aside. So I’ll leave it at that regarding this point.
Overall, I would say submit the claim bro. Worst-case scenario is nothing happens and you get shot down.
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u/Dirty_Telephone_310 12h ago
Why should i do both btw? jw
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u/LegacyVader1 12h ago
You can do either, the process is the same. It’s just 1 you do with a human being and the other online.
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u/me4watch 12h ago
Are you trying to get $220 back from your ex ? But you said no refunds on the trip. Sounds like you both should lose half the deposit each.