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Bank of America Glitch Causes Apple Pay Users to Be Charged Twice for Purchases [Updated]

TonyC28 said:
I fully understand that these things will happen. And this rollout is more complex than a simple iPhone update or an update to iOS. However, these glitches seem to be piling up for Apple lately. I am 100% confident will get this right and :apple:Pay will be a trusted service. It just sucks because you know the media is going to make this out to be a huge ordeal that is going to bring about the end of the world.
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It seems there's one born every minute.
 
giantfan1224 said:
Well yeah. If I get rear-ended by some idiot texting on his phone I don't get upset with General Motors.
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So if it's BOA's fault, it's a big deal. If it's Apple's fault, it's just a minor glitch that will be swiftly taken care of so it's a non issue?
 
UnfetteredMind said:
So does that mean it was done as debit?

Nice to have someone post with actual first hand experience with the issue rather than all the crap speculation. I tip my hat to you! :)
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What happened was is that I authenticated my purchase twice once with the touch ID and then next with my PIN number.this is a POS problem as well I'm not sure if Apple pay is designed for me to put my pin number in the first place that would defeat the entire purpose. radioShack's POS had no option for debit, only Duane Reade and whole foods that's why think it's at the POS
 
Kilamite said:
Apple maybe a little too excited with this to make it a grand unveiling and ready to go live when they really should've tested it a little more first.
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The flaw here is that assumption, that "a little more" testing is all that is needed.

Consider this-- some problems occur one time in a hundred; some one in a thousand; some one in a million. The problems that occur once in a million take a lot more than "a little more" testing to find, yet will occur in the wild, where tens or hundreds of millions of instances take place.

Consider also that each instance is a combination of things, that would have to be tested in combination to be exhaustive. Each time a "degree of freedom" gets added, that increases the possible combinations of occurrences that can occur. Trying to figure out and guard against an unforeseen problem due to a particular combination is much like trying to find a needle in a haystack.
 
Can confirm it

Hi,

i used apple pay on monday at a walgreens in kansas. Can confirm the double booking.

I used it as described at the checkout everything was great until i noticed the next day that it was booked twice. Its a Bofa Debit card.

Actually i was surprised that i had to enter my pin number at the terminal because i assumed that that was not needed.

Never then less i did not bother calling Bofa and went the next day to the store with a printout of the booking and the manager gave me the double amount in cash back.

So i am happy and looking forward for a fix.
 
TechDiva said:
It's really not that serious, and my cards still work perfectly fine. Once it's working properly, then I'll give it a go.
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My point is this whole situation is not as serious as the sensationalizing media (and trolls) would like to make it out to be.
 
stewy said:
Probably as much as you believe yours.
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There is a difference between using logic and sensibility and just blatant delusion and ignorance that most Android fanboys really have, and then they also start getting real nasty too, Android users claim "iSheeps" are dumb and dont know anything and that they use the more "advanced, technical OS" but that in reality they dont really have a clue on what they are saying
 
AppleScruff1 said:
So if it's BOA's fault, it's a big deal. If it's Apple's fault, it's just a minor glitch that will be swiftly taken care of so it's a non issue?
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Crap like this happens with banks every day, all day....it's not a big deal in any way whatsoever. However, because the word Apple is attached to this story, it's national news.
 
Smith288 said:
No. Bank of America, a huge multinational banking and financial services company stands to lose billions for not properly testing. Did you read the article?
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Did you read the thread that my statement was ultimately addressing? The fallacy that Apple doesn't properly test its software anymore?
 
AppleScruff1 said:
So if it's BOA's fault, it's a big deal. If it's Apple's fault, it's just a minor glitch that will be swiftly taken care of so it's a non issue?
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I confess it is my fault. :eek:

I also planted the camera for the Hulk Hogan sex tape. It was me all along!
 
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osofast240sx said:
Precisely it's not a problem it's only a problem if you don't get your money back which is not the case so stop with the sensationalism
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Precisely? :confused: I think your confused.

According to this link:

https://www.fdic.gov/consumers/consumer/information/ncpw/cardstopten.html

5. Your liability for an unauthorized debit card transaction may vary. The maximum legal liability is $50 if you notify the bank within two business days after learning of the loss or theft of your debit card. Otherwise, your losses could be greater. You must also notify your bank within 60 days of your bank’s transmittal of your periodic statement on which an unauthorized transfer appears, in order to avoid liability for subsequent unauthorized transfers.

It's not automatic in every case. Disputing charges isn't always a slam dunk.
 
This is a serious issue. Apple is continuing the trend of producing half-baked, untested products and services that are diminishing it's status as a developer of premium priced/premium quality products.
 
AppleScruff1 said:
So if it's BOA's fault, it's a big deal. If it's Apple's fault, it's just a minor glitch that will be swiftly taken care of so it's a non issue?
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It's pretty clear who's issue it is. But not pinning it to Apple in some way wouldn't get near the attention and page clicks.
 
This is why I will use the final version of Pay in Europe once Americans have finished their beta testing. Thank you guys!
 
osofast240sx said:
What happened was is that I authenticated my purchase twice once with the touch ID and then next with my PIN number.this is a POS problem as well I'm not sure if Apple pay is designed for me to put my pin number in the first place that would defeat the entire purpose. radioShack's POS had no option for debit, only Duane Reade and whole foods that's why think it's at the POS
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Thanks very much for that insight. It sounds like an easy to make user error, which the system should be able to deal with more gracefully. But not one that would have been found during testing, unless this use case (possibly on this particular POS) had been specifically identified as part of the design spec.
 
Iconoclysm said:
Crap like this happens with banks every day, all day....it's not a big deal in any way whatsoever. However, because the word Apple is attached to this story, it's national news.
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Of course it is. The banks didn't roll out a new payment system - Apple did. Why wouldn't Apple get the press on this :rolleyes:
 
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