Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against Apple and XXXX XXXX XXXX XXXX ( NFCU ) for the ongoing and unresolved issue regarding the restriction of my Apple Pay access. This situation has caused unnecessary frustration and inconvenience due to both companies ' refusal to resolve a dispute fairly and effectively. Background The Dispute : I initiated a dispute with XXXX XXXX regarding a transaction. Upon realizing the situation, I promptly attempted to close the dispute and repay the amount in question. However, XXXX XXXX refused to allow me to take this course of action, insisting instead on classifying the matter as frauddespite my clear communication that it was a dispute, not fraud. Documentation Provided : I have documented this situation thoroughly in my XXXX XXXX app, and I provided all relevant documentation to Apple. Despite this, Apple has continued to restrict my Apple Pay access, citing the unresolved dispute as the reason. Attempts to Resolve : I have made multiple efforts to resolve this matter, including reaching out to both XXXX XXXX and Apple. Unfortunately, my attempts have been ignored, mishandled, or dismissed. As a result, I am now facing consequences due to mistakes made by these companies, which is entirely unfair and unacceptable. Issues Raised Apple 's Restriction of Apple Pay Access : Apples refusal to re-enable my Apple Pay access after receiving all necessary documentation is both unreasonable and punitive. This restriction has significantly impacted my ability to conduct everyday financial transactions. XXXX XXXX XXXX of the Dispute : XXXX XXXX misclassified the dispute as fraud against my explicit clarification that it was a dispute. XXXX XXXX failed to provide me with an opportunity to close the dispute and repay the amount, despite my willingness to resolve the matter in good faith. Unfair Consumer Treatment : The combined actions of Apple and XXXX XXXX have placed an undue burden on me, the consumer. These errors have caused significant stress and inconvenience, while both companies refuse to acknowledge their responsibility or provide an appropriate resolution. Desired Resolution To resolve this matter, I am writing to formally file a complaint against Apple and XXXX XXXX XXXX XXXX ( NFCU ) for the ongoing and unresolved issue regarding the restriction of my Apple Pay access. This situation has caused unnecessary frustration and inconvenience due to both companies ' refusal to resolve a dispute fairly and effectively. Background The Dispute : I initiated a dispute with XXXX XXXX regarding a transaction. Upon realizing the situation, I promptly attempted to close the dispute and repay the amount in question. However, XXXX XXXX refused to allow me to take this course of action, insisting instead on classifying the matter as frauddespite my clear communication that it was a dispute, not fraud. Documentation Provided : I have documented this situation thoroughly in my XXXX XXXX app, and I provided all relevant documentation to Apple. Despite this, Apple has continued to restrict my Apple Pay access, citing the unresolved dispute as the reason. Attempts to Resolve : I have made multiple efforts to resolve this matter, including reaching out to both XXXX XXXX and Apple. Unfortunately, my attempts have been ignored, mishandled, or dismissed. As a result, I am now facing consequences due to mistakes made by these companies, which is entirely unfair and unacceptable. Issues Raised Apple 's Restriction of Apple Pay Access : Apples refusal to re-enable my Apple Pay access after receiving all necessary documentation is both unreasonable and punitive. This restriction has significantly impacted my ability to conduct everyday financial transactions. XXXX XXXX XXXX of the Dispute : XXXX XXXX misclassified the dispute as fraud against my explicit clarification that it was a dispute. XXXX XXXX failed to provide me with an opportunity to close the dispute and repay the amount, despite my willingness to resolve the matter in good faith. Unfair Consumer Treatment : The combined actions of Apple and XXXX XXXX have placed an undue burden on me, the consumer. These errors have caused significant stress and inconvenience, while both companies refuse to acknowledge their responsibility or provide an appropriate resolution.