It's all in the title really. Still shaking, It's been going on since June> I hadn't noticed because the spending was masked by some unusual purchases over the last few months. Am livid! I've deleted 'Clash of Clans' banned the Ipod, grounded him, asked him to think of ways he can pay us back (he won't be able to). What the hell do I do? Can I get my money back. Do I report it as fraud? After all, I didn't allow it to happen. Help!
The Apple ID is the key to the phone/iPad. If a child has their own then they can basically do whatever they like on that phone including overriding the PIN. That's if they don't just guess it. Then they can download what they like, google what they like and watch what they like. I'm astounded that anyone would let their child have total control over their device. And to tie that up with a credit card beggars belief.
If the child had their own apple account and the parent tied it to their credit card it can't possibly be fraud can it? You've effectively given the child the credit card to do with what they will. I surprised Apple refunded anything to be honest. The only way that could be fraud would be if the child stole the credit card and entered the details themselves.
As to banks, I have always found Barclays to be quite good about being proactive if they spot a change in your spending pattern ( they call you) and in our case, with DS spending 650 in a month, they put the money in my account within a few days. Then I had to give it back as Apple refunded me. Nice to know they would have paid if Apple would not have.
OP to answer your question about why the purchases didn't trigger at Amex. Amex have an alert for out of pattern spend. If you go from spending £300 to 3ķ for example that's massively out of pattern. A couple of hundred a month extra is nothing. Repeat spend at a restaurant the card holder owns could flag up for money laundering. ITunes is very common on repeat spend so it wouldn't be flagged.
Not interested in placing blame here. I do think Apple were good to refund any at all given it was over a period of time and usually these things are mentioned straight away. Hope your son is learning to respect other people's money now.
It’s Apples responsibility to not let this happen on their OS. Kids don’t understand the value of money and not every adult is tech savvy. Most people probably have never heard of micro transactions or even know you could spend inside an app.
No it isn't Apple's responsibility. Here's a thought. Be tech savvy, take responsibility and if you're not sure about this stuff, don't hand it over to your kids. and hey, teach your kids the value of money. It's not hard. Stop hiding behind other people.
it's apple's responsibility to ensure that there are tools in place to prevent excessive spending, such as parental controls, passwords and such. It is not their responsibility if clueless idiots let their children loose with their credit cards on iDevices which they know the passwords for.
Would you give your child a credit card and give them unlimited access to a toy shop? no? well this is no different.
And I wouldn't consider spending on apple as being a strange spending patern - lots of people own apple devices and buy games, apps, songs, albums, songs, plus it didn't happen in quick succession - yes if no activity suddenly sparked into £1700 overnight this would trigger an alert, but this was a sustained patern of spending and no reason why it would or should be seen as suspicious.
The only person responsible for the fact the op is £1700 out of pocket is the op for A, not supervising her ds more closely, and B, being so blasé with her finance that it's seemingly easy to spend that much of her money without her noticing.