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When you sign up with your Apple Account, you can provide valuable feedback to other community members by upvoting helpful replies and User Tips.
My account cash account is permanently restricted. Apple said they cannot give me the reason on why my account got restricted. I have only 6 transaction this year and no crazy amount of money. Also, didn't send money to any business. Apple said there is no way to fight it and they do not have to disclose the reason for the restriction. This is very disappointing. They need to fix this.
[Re-Titled by Moderator]
iPhone 13, iOS 18
Details will not help this situation. The terms are making assumptions instead of getting the facts is the problem. There is no pattern whatsoever on my account, nor no suspicious activity. The frustration knowing that I did not wrong and then cannot even appeal it is a problem. Not know what would even trigger a restriction is a problem. It simply not fair the customers that did nothing wrong, and apple/green dot cannot help.
The fix is not up to Apple or the Green Dot Bank that does the customer support for Apple Cash accounts. Federal banking regulations prohibit disclosing the exact details of account closures. I can go into great details about the Bank Secrecy Act and the Patriot Act that enact and enforce the severe restrictions that are affecting your account.
If your want more details, I’m happy to go into more depth on the potential causes and provide more information. Sorry, this happened, but no one here can reverse the actions imposed by Green Dot Bank.
When an account is closed it can be for multiple reasons. If the account is restricted, it generally settles around verification of identity issues, as required by the Patriot Act and other bank regulations. However, having an account close and permanently locked/restricted generally revolves around other issues.
The most common are issues involving you or the people you that have sent you funds or you have sent funds to. When suspicious activity occurs (again, it maybe someone sending you funds or who you sent funds to), and a bank employee, not necessarily Green Dot, created a SAR report. Suspicious Activity Reports are investigated by FinCEN (Financial Crimes Enforcement Network) and results are sent to the involved banks within 30 days in most cases.
Banks are private business and there are various clauses within the terms and conditions you agreed to when you opened your Apple Cash account. The bank will close the account based on factors disclosed in the SAR investigation or clauses in the terms and conditions. Banks do not need to disclose reasons for their actions. You are not charged with a crime and the business chooses to not do business with you now or in the future.
That sounds harsh, but in my personal opinion, it’s a warning that when you open your next account, make different choices in how you use the account and read the terms and conditions so you know what your responsibilities and limitations are.
Permanently restricted Apple Cash account without explanation
