Is there a way that I can re-enable a restricted Apple Cash account?

I am wondering why, if you haven’t changed the way you have been using Apple Cash since 2012, suddenly one transfer to my son, Apple Cash to Apple Cash, suddenly and for NO explained reason my long time account has be “permanently Disabled within AppStore and iTunes”. Making my long time fully loaded with over 3TB of photos and memories - Bricked..?!

I am all for protections and verifications, but suddenly Apple is behaving like a Bank and GreenDot has 4 of my account away from Apple Ecosystem, all in good standing.

I smell legal action on the horizon. Shame on Apple. No explanations given, just cold-hearted reps.

just voicing my opinion. But I really would like to get a response or feedback

It only takes one transaction to get an account permanently locked. There are several reasons that can force a bank to close and lock an account. If you want a simple explanation, your son violated the terms and conditions he agreed to when he opened the account. Do you want a more specific explanation? I can provided information and links about how banks operate and how they are regulated. There are specific regulations I can point to and how they affect your son’s account. Banks don’t make arbitrary decisions about closing accounts. I’m happy to discuss this more, if that’s what you want.

Thanks, the circumstances around the debit account that was closed is the probable issue. Their terms and conditions have vague language so that they can apply to very broad circumstances.

>>I. Bank’s Right to Suspend or Terminate your Use of the Services.

We reserve the right to limit, suspend, or terminate your use of the Services or take other account-level or transaction-level actions, as well as suspending or closing your Apple Cash Account, immediately and without prior notice to you for any reason, including, without limitation: (i) to protect the security and integrity of the Services, your Apple Cash Account or Apple Cash Balance, or other Users and their accounts; (ii) the inability to debit or collect funds from any account you designate in connection with the Services; (iii) if you breach these Terms or any other agreement with us regarding the Services, including, without limitation, by using the Services for any unlawful purposes; (iv) we have reason to believe there has been or may be an unauthorized use of your Apple Cash Account; (v) we are unable to verify your identity or authority to use the Services to our satisfaction; (vi) your Apple Cash Account is not in good standing; (vii) we believe that your use of the Services could expose us, Apple, or other persons involved in providing the Services to increased risk or be placed in a false or derogatory light; (viii) your Apple ID is suspended or terminated for any reason or ceases to be in good standing with Apple; (ix) we have reason to believe that you are using the Services to facilitate, encourage, or promote illegal activity, hate, violence, intolerance, fraud, or otherwise objectionable content or activities; or (x) we believe your use of the Services does not comply with applicable law. Our election to exercise the foregoing right to suspend or terminate your access to and use of the Services is in addition to any other right or remedy that we may have under these Terms or otherwise. Our decisions may be based on confidential criteria that are essential to our operation of the Services, management of risk, and protection of Bank and other Users. We may use proprietary fraud and risk modeling when assessing the risk associated with your use of the Services. You understand and agree that such action is reasonable for us to take in order to protect us from loss and ensure the security of the Services. We reserve the right in our sole discretion to grant or deny reinstatement of your use of the Services.<<

In other words, banks are private businesses and choose who are their customers. If the account holders activities expose the bank to potential losses, or other risks, they can cancel an account. This sounds unfair, I know, but banks have been under much heavier scrutiny since the banking crisis of 2008 and 9/11. Banks face heavy fines for the activities they permit customers to do, if they are in violation of banking laws and regulations.

Typically banks will only talk to the account holder. This could be the reason for the lack of information. Another possibility is the Patriot Act which was enacted after 9/11. The act strengthened the Bank Secrecy Act and anti money laundering laws. Your son may not have been engaging in money laundering, but banks will permanently lock and close accounts that engage in suspicious activities. Even if anything resembles fraudulent activity or money laundering it will get an account permanently locked. This could be the issue surrounding the closed account you mentioned.

At this point if you're intent on pursuing getting the account opened, your only recourse is the CFPB (Consumer Financial Protection Bureau). They’ll at least pursue the complaint and Green Dot will be in touch concerning the account. Beyond that, there’s unlikely to be anything else to pursue.

https://www.consumerfinance.gov/complaint/

https://applecash.greendot.com/termsconditions/

Not sure why you chose to just jump in a thread that you didn’t start and is not related.

So, Green Dot closed an Apple Cash account, is that correct? Banks have to comply with federal banking laws and regulations. One of the areas they must comply with are referred to as KYC (Know Your Customer) laws and that includes the customers customer. In other words, if your son was engaging in suspicious or unlawful activity, you became suspicious by the association. When Suspicious activity occurs with an account a bank is required to file a Suspicious Activity Report (SAR) and the report is investigated by FinCEN (Financial Crimes Investigation Network). The bank receives the findings of the report and makes a determination of the appropriate action in regard to any open accounts with the institution.

You can also read through the entire post and read what I’ve shared about the Bank Secrecy Act. Banks and their support personnel are prohibited from discussing the matter. In fact they’ll have literally no knowledge of the situation and no way to learn the background or the findings of the report.

That’s all very generic, but that’s the general way that an account can get closed. There are other possibilities too. Other frequent issues are using the account to fund gambling, marijuana purchases or for commercial use of the account. P2P transfer are not permitted to be used for commercial purchases or transactions. Buying something on Facebook Marketplace can get your account restricted or locked and closed.

If you have more specifics to share I can provide additional background and possible scenarios.

Federal banking laws and regulations take precedence and priority over Apple interest and values for customer support. Apple has no sway or authority in regard to your bank account. Green Dot cannot even share basic information about your account with Apple. Privacy laws and banking laws will overrule Apple’s willingness to satisfy your need for absolute customer satisfaction.

I know that sounds harsh. But children do dumb things. I’m a father, grandfather and great grandfather. I’ve dealt with probably similar situations within my own family. I chalk it up as a learning experience and help the child move forward with another bank or service that interfaces with Apple products and services. If you need help with that, I’m happy to help you and son move forward.

What is your point. I know that children do dumb things. But even on the phone with green dot we went over his transaction and they agreed. That all of his transactions follow the terms of conduct. They agreed he did nothing wrong. But sadly, they don’t have the power to reverse the action. That some computer did.

What happened?

So, what does this mean >We have figured out what happened<? What happened?

My point is my last paragraph I wrote. It’s time to move forward.