卡被蘋果盜刷,是否有其他申訴方式? - 信用卡

By Caitlin
at 2022-01-06T00:12
at 2022-01-06T00:12
Table of Contents
去年12/27晚上18點的時候,短時間內信用卡在itunes上被連續刷了四筆(70*2、490*2)
的消費,當時我玉山手機app直接跳刷卡訊息,起初只有刷70,玉山客服請我確認一下,
搞不好是訂閱服務自動續訂,後來查詢當下又刷了70、490、490,直接馬上打給玉山客服
停卡,當下客服請我打電話致電apple退款,其實我有點不明白為何不直接列爭議款項就
好?
後續我打了客服提供的apple電話,根本沒有盜刷處理的選項!0800-020-021(根本只有
罐頭式機器人回覆,無限轉來轉去鬼打牆)
後續在網站上找到另一組電話,0800-095-988,終於轉接到有真人客服處理,跟客服說明
情況!
經確認個人資料跟卡號後,「確認這四筆款項不是我的apple帳戶購買的」,是其他使用
者帳戶使用我的信用卡!
客服說會幫我取消這四筆做退款,大概需要7-14個工作天!48小時後可以經由專案代碼查
詢退款進度!
今天剛好看到玉山app還沒有退款,於是我再打給蘋果,結果客服卻說無法成功申請退款
!
我問他:信用卡持卡人是我,購買的蘋果帳戶不是我的?為什麼判定不能退款?請問不退
款理由是什麼?而且既然有盜刷疑慮,為何你們判定不能退款後,不通知申請盜刷疑慮的
人?
客服:我這邊只看的到判定無法退款,不清楚無法退款的原因,請問你需要再申訴嗎?我
可以再幫您送件一次!
總而言之,覺得蘋果對盜刷處理很爛!
刷卡當下立馬告知盜刷,也確認是非信用卡持卡人之帳戶購買的,卻不退款!
後來電話覺得蘋果對於盜刷疑慮的事件處理很不積極,所以要求客訴XD不過想當然一定沒
啥下文,請問有什麼方法能對apple制裁嗎?台灣的消費都能向消基會申訴,請問apple在
台灣有什麼公司嗎?
今天後續我罵完蘋果很爛,要求要客訴之後,就打電話請玉山列爭議款項了!
會客訴apple服務專員的原因是覺得沒有退成功應該要「主動」致電通知退款申請人跟說
明不退款理由!而不是告知我會退款,後續退款期程可以用專案代碼查詢!
因為apple專員告訴我會退款,我也沒有理會有沒有被銀行列爭議款項!
我並沒有要求apple一定要幫我刷退,但我認為有盜刷疑慮的案件應該主動告知後續是否
判定刷退!
雖然金額不高,但真的不懂apple盜刷明明很常見,但該公司卻沒有作為,處理的如此糟
糕!連之前盜刷很常見的Uber eats現在綁定信用卡都要3D驗證了! (今天剛綁新卡叫外
送XD)
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信用卡
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