Rights relating to fraudulent ApplePay transaction

Drummergirl123

Hi,
My daughter recently had money taken from her bank account from a website which doesn’t even exist (www.leanwarriors.com - this just appears to be a domain name, not an actual site). Her bank account says the transaction was made by ApplePay and therefore authorised by Face ID so won’t refund it.
The only Apple Pay transaction she made was to a different site, wallpapers-clan.com, which “charged” her £0.00 to download an app for her phone.
I’m assuming this is some sort of phishing thing, but she has had no response from contact to the phone app site, and the other domain name doesn’t have any means to contact them ( let alone to send them any sort of payment).
Am planning to try the bank again and try and argue her case, but does she have any kind of rights or protection in this scenario? Is there any other way we can try to get her money back?
thanks

glennevis

Looks like you've added 2+2 and made 5.

The app icons site appears genuine and nothing to do with the other website which, by the way, does exist.

(https://) www.leanwarriors.com has the look and feel of a scam website. The domain name was registered very recently. Website has little content with links to fat burning and weight loss ada (ring any bells?).

What does the Wallet app record about this transaction? You don't say how much was taken. If it was low value could Apple Pay be configured to authorise this transaction without FaceID or other biometric?

Drummergirl123

The wallet app records the transaction as being to leanwarriors.com. The transaction was for £49. My daughter has definitely never visited this site. So I don’t see how this occurred.

Nasqueron

Drummergirl123 said:

The wallet app records the transaction as being to leanwarriors.com. The transaction was for £49. My daughter has definitely never visited this site. So I don’t see how this occurred.

Report it as fraud to the bank and ask for a chargeback on the basis that the second firm has some hidden link to the first and has signed up for whatever this fee is without being clear.

Emphasis that the approved payment was 0 to company a but the charge is for £49 to company b which was not authorised

MyRealNameToo

Drummergirl123 said:

My daughter recently had money taken from her bank account from a website which doesn’t even exist (www.leanwarriors.com - this just appears to be a domain name, not an actual site). Her bank account says the transaction was made by ApplePay and therefore authorised by Face ID so won’t refund it.
The only Apple Pay transaction she made was to a different site, wallpapers-clan.com, which “charged” her £0.00 to download an app for her phone.
I’m assuming this is some sort of phishing thing, but she has had no response from contact to the phone app site, and the other domain name doesn’t have any means to contact them ( let alone to send them any sort of payment).
Am planning to try the bank again and try and argue her case, but does she have any kind of rights or protection in this scenario? Is there any other way we can try to get her money back?
thanks

She's using ApplePay which means she is using an Apple Device which means unless you live in Europe the only way to download an app to an iPhone is via the Apple App Store so it can't be she did something via a website for an app? 

Looking at wallpapers-clan.com there is no mention of an app nor anything there to pay for to get the wallpapers however the site is plastered with adverts many of which are presented as if they are what you need to click on to get the wallpaper but they arent, the buttons for that are lower down. 


In the first instance I'd suggest you get your daughter to post this for herself as your version of events dont add up and so either she's simplified it or cut bits out for some reason or you have misunderstood.

Assuming she was on the website and trying to download a wall paper rather than an app she has presumably clicked on an advert rather than on the button for the wall paper (which having done so on both iPhone and MacBook it just downloads a jpg as you'd expect). Presumably the advert she clicked on offered some form of subscription with a £0 free trial followed by £X/month. She didnt bother reading what came up on screen and just subscribed thinking it was for the wallpaper. Hence she got the free trial of whatever and then as she didnt cancel it the normal monthly payment kicked in after. 



For example on one page it had an advert that said "Click here to register your account", this takes you off the site onto a third party site that offers a Free Trial and accepts ApplePay and the small print under the payment screen says:

Free trial special offer for three (3) days. One Click has an automatic month renewal period and the credit card provided by the Customer will be charged £ 40.56/ month. If you wish to cancel your subscription before the free trial lapses, contact us and you won't be charged unless canceled after the free trial period.

I'm not 100% sure what the service actually is, claims to allow you to download trial games but use them indefinitely, stream TV/Films not on other streaming services and also offer training courses, books, personal fitness etc. 

Actually fairly sure the website is just there to trick people into subscribing and what you get will be junk but ultimately its most likely amoral rather than illegal and you do authorise them to make payments