Transactions on deleted credit card on Apple Pay

Hi Kelly, Jim’s assessment and statements are a likely scenario. The serial number is unique to each device, so is the SEID, Secure Element ID) and the DPAN (Device Primary Account Number). The above three sets of numbers are absolutely unique to each device.

When a bank approves or declines the charges ($150 each) each transaction approval request contains a unique DPAN tied to unique identifiers specific to the iPhone (device) used.

It’s interesting that the bank is requesting transaction information that they provide to Apple. When an Apple Pay transaction is processed through your Wallet app, the information displayed in your Wallet is/was supplied by Chase. Apple can’t see transaction information because it’s encrypted on your iPhone and only Chase (not Apple) has the key to decrypt. Chase knows all they need to know that the charges aren’t yours.

In all honesty, Chase is making you jump through hoops hoping you get frustrated and give up or settle. That’s just negotiation techniques that banks teach their support staff.

Specifically, what is the bank’s purposed solution? Is it the serial number? The serial number is unique to each device a card is added to. This is nothing new. Another similar or better identifier is the SEID number.

However, in the past, banks wouldn’t accept SEID or serial number as a form of proof. In fact banks even refused to acknowledge they had that information.

I’m curious what bank you're working with?

I suspect that your card information was added to another device and Chase approved it when they should not have. Apple does not approve/deny cards when added to your Wallet because they don't have any of your financial information for any verification, that is only done by the bank after reviewing your account details provided by Apple.

Chase is simply trying to verify that is the case and that the charges did not come from your device. Jeff Donald is more knowledgeable of the information that the bank uses to identify the transactions by device. He is a great source of information.

Apple Pay has never been hacked and your cards are safe in your Wallet. No one got your card numbers from Apple Pay because they are not even stored on your device. If they were able to get your account number, it was most likely from using the card on a retail terminal that had a skimmer installed by a scammer. Once they got your numbers, Chase approved the card added to a device that was not yours. Just because they were Apple Pay charges does not eliminate Chase's liability, since they were the one's that actually approved it. You didn't approve that action and Apple did not either.

You’re welcome and I hope you have a great day!