Citi Apple Pay Issues

[xiownthisplacex]

My primary card is the Citi Double Cash. We upgraded our phones so we needed to update the Apple Pay cards. Citi froze my account and made me call in for verification. They asked me for my card number, name, security word and then wanted more verification-they wanted a landline number on file to call me back on. I don't have a landline. So they asked if I had a checking/savings account with them and I don't. So they asked for the checking account number I use to pay my CC bill and I gave it to them and was verified. All good here.

Same thing happend to my wife when we tried to set up her Apple Pay (10 mins later), they locked the account again! Had to call back and same thing happened. But this time, they couldn't use my checking account number to verify because I had already used it! So we were able to use my other Citi Card number (diamond preferred) to verify. All is good.

I just bought my wife an Apple Watch and you guessed it, Citi locked my account again when she tried to use Apple Pay! Now they say the only way to verify is by sending me a letter home with a code! I have never experienced this before with any company. I have stuff on auto pay bouncing and had to switch the cards to get them paid. Has anyone had this issue before?? Frustrating!

[zerofire]

Has it ever occurred to you that the problem might be because you incorrectly updated? First step of upgrading is to unlink all cards from Apple Pay and it seams that you forgot that. Also depending on the way you set up the Apple Watch it might be considered a separate device and as a result needs a separate authorization anyway since cards are supposed to be linked to one device at a time. I can safely state that your actions can be safely interpreted from the banks view as fraud initially.

[xiownthisplacex]

Yes we did unlink all of our cards from our old phones. I don't mind verifications, I believe they are great for security. However, the way they are trying to verify is ridiculous imo. None of my other cards did this and I have a lot of other cards lol.

[Shadowfactor]

My fiancée just flew down to Barbados to visit me for the month.

She brought me a new iPhone and I had this exact same thing happen when I added a citi card 2 days ago. They wouldn’t accept the listed phone number on the account for the verification. They wanted a completely different cell phone number to be provided. It was sorta odd that they wouldn’t accept the registered phone number.

Also did the bank account verification and it was unblocked.

[zerofire]

Ok then clearly the process is a little outdated. Have you ever considered giving your wife's number as the landline and when when she has to reverify state your number? It is a bit of a stretch but it would have worked since no bank in the world can verify if the number terminates on a POTS line, VoIP line, virtual line, or even a cell phone.

[NRB525]

Who told you you had to remove cards from Apple Pay? I just moved to the XS from a 7, did not do anything with Apple Wallet. All the basics moved over to the new phone, Starbucks cards, loyalty programs... The Apple Pay did not activate the CC immediately , I had to select each card I wanted to move to AP, and provide info off the card, but that gave me a chance to not migrate two cards.

No Citi cards in the mix, but now I am intrigued and may need to add a Citi card to Apple Pay.

[HeavenOhio]

I've never heard of needing to remove cards from Apple Pay either. But the closest I've come to potentially having to do that is when I needed to set up my watch twice. In that case, I reset the device to factory conditions and started again. The issues involved had to do with AT%T and had nothing to do with Apple or Apple Pay.

I'm a new Citi customer, and I'm not pleased. I'm displeased enough that the card is teetering on the edge of the chopping block. My complaints are all about Dark Ages technology. But for me, setting up Apple Pay was a snap. If anything, it was too easy. I don't think I've used Apple Pay on that card, though. I hope it doesn't turn into a nightmare.

[blindambition]

Apple specifically states when a restore is done, all ApplePay info is lost. It’s only saved in devices security enclave.
It can depend on how you add the card. If added through setup, or settings... possible to verify to the bank.
If you add through banks own app, never had to verify.
Your specific issue is a Citi issue.

[HeavenOhio]

Citi doesn't have an app for my card, which is part of the Dark Ages technology I mentioned above. I'd submit that a system that insists that the customer have a landline in addition to a mobile phone is also in the Dark Ages.

I've always set up Apple Pay through Apple's apps, either the wallet app for the phone or the watch app for the watch. Chase and AMEX were totally smooth sailing. Capital One was OK, but there was confusion because they used varying confirmation methods for each of my three cards. Barclays was a mess.

With all the varying ways to confirm myself, I've taken to always calling the bank to make sure that Apple Pay has been properly set up. In the case of Citi, I had a rep on the phone before I got started. He was able to confirm that I was set up properly. The only mystery is whether or not it actually works; I'll have to try it out.

[NRB525]

So I just added one of my Citi AAdvantage cards to Apple Pay. Used the camera to get the card number and expiration on the phone, added the three digit CVV code, and it gave me three options for verification: Text to my phone, email or call a number.

I selected text to my phone, and it even took the six-digit code from the text, auto- filled in the blank field in Apple Pay and activated it.

Took less time than me typing to describe it here.

Will use it to pay for lunch today. I’m hungry.

OP are you set up on the Citi website to enable text messages to your cellphone as a communication option?