u/OutsidePlane8729

Hi everyone,

I am dealing with a very frustrating situation regarding Apple Support and an In-App Purchase, and I would really appreciate some advice.

I tried to gift a Telegram Premium subscription to a friend using Telegram Desktop (the payment is processed via Apple). During the process, the app briefly said the purchase was successful but then immediately showed an error message. Because of the error, I assumed the payment failed to go through, so I retried a few more times.

It turns out Apple charged me for every single attempt! To make matters worse, my friend never even received the Premium account. I basically paid multiple times for a service that was never delivered due to an app glitch.

I went to reportaproblem.apple.com to request refunds for these failed duplicate charges. They were quickly rejected. I requested a review for the decisions, but as you can see in the attached screenshot , they are all marked as "Not eligible for refund" and Apple claims this is their final decision.

I know doing a bank chargeback will get my Apple ID disabled, which I really want to avoid because I have a lot tied to this account.

Has anyone successfully escalated an issue like this? Is it better to contact Telegram support directly for a refund, or is there a specific way to reach a human Senior Advisor at Apple who can actually look at the context instead of giving automated rejections?

Thanks in advance for any help!

https://preview.redd.it/a9296e72iibh1.png?width=1364&format=png&auto=webp&s=b14c6467865e8bd78eaec46ee7f94248854cb4ed

Hey everyone,

I am writing this because I know exactly how stressful it is when your hard-earned money is stuck in Fintiba limbo, and I want to save you guys the months of anxiety I went through. If you are struggling with a blocked account refund after an embassy decision, stop wasting your time with their useless customer support and read this.

TL;DR: Waited 4 months for Fintiba to release my blocked funds. Ignored emails, useless calls, and fake Trustpilot replies. Finally complained directly to BaFin (The German Federal Financial Supervisory Authority) using AI to draft the legal complaint against their partner, Sutor Bank. Fintiba returned my money in less than 72 hours.

Here is my full timeline and exactly what you need to do:

Phase 1: The Trap (Jan - Feb)

• January: Transferred my funds to Fintiba to open the blocked account.
• February: Got my embassy result. I received the official embassy letter required to unblock/close the account, uploaded it to Fintiba, and submitted a standard closure request.

Phase 2: The Waiting Game (Month 1 - Month 3)

• Month 1: I waited patiently for 3-4 weeks. I thought "German bureaucracy takes time, it's normal." I did not push or spam them with emails.
• Month 2: Started emailing them. I just kept getting automated replies saying "we will answer in 2 days". I emailed them every single week. Nothing happened.
• Month 3: Tried calling. Customer support gave me zero actual answers and just told me to keep waiting.

Phase 3: Useless Escalation I got furious and started leaving negative reviews on Trustpilot with my reference numbers. Their PR team actually replied to my reviews lying to the public that "the issue has been resolved." It absolutely was not.

Phase 4: The Nuclear Option - BaFin (June) By June, my patience was zero. I realized Fintiba is just a middleman and the actual money sits in Sutor Bank. So, I took the ultimate legal route.

1. I used AI to draft a formal, legally structured consumer complaint in German against both Sutor Bank and Fintiba.
2. I submitted this directly to BaFin (The German financial regulatory authority).
3. I also went to Sutor Bank's Trustpilot and dropped a massive review mentioning my BaFin complaint (Sutor usually ignores normal emails, so you have to hit them where it hurts).

The Result: Within 72 HOURS, BaFin picked up the case. Suddenly, Sutor Bank (who never replied to me before) emailed me directly, apologizing profusely and throwing Fintiba under the bus.

Right after that, without me even sending Fintiba another email, Fintiba magically processed my refund and sent my money back to my account (minus the 4 months of maintenance and insurance fees, of course 🙄).

The Ultimate Guide on What You Should Do: If it has been more than 3-4 weeks since you uploaded your official embassy document, DO NOT just wait.

1. Go to the BaFin consumer complaints portal
2. Use ChatGPT/Gemini to write a formal complaint in German. State your Fintiba ID, Sutor Bank IBAN, dates of document submission, and clearly mention that they are withholding your funds without legal grounds.
3. Submit the complaint specifically against Sutor Bank Hamburg.
4. Watch how fast they can actually work when the government regulators breathe down their necks!

Hope this helps someone get their money back and sleep well tonight!

Hi everyone,

I am in a really desperate situation with Fintiba and need some legal or practical advice from anyone familiar with the German system. They have been holding my funds for over 3 months (since February) without any valid explanation.

Here is what I have already done:

Contacted Fintiba support multiple times (they ignore me completely).

Emailed BaFin to report them (weeks have passed, no response).

Emailed Sutor Bank directly (zero effect).

Left a 1-star review on Trustpilot explaining the situation. Fintiba publicly replied saying "the issue has been resolved" just to save face in front of the public, but it is a complete lie! I still don't have my money and they haven't contacted me.

Does anyone know what I should do next? BaFin is taking too long. Should I contact an Ombudsmann? Is it time to hire a lawyer to send a Mahnung? Any advice on how to escalate this legally in Germany would be highly appreciated.

My German visa application was recently rejected, and I have been trying to close my Fintiba blocked account to get my refund. I submitted all the required official documents over a month ago.

Since then, I have been continuously emailing them, but I have received absolutely zero human responses. It is just an endless loop of automated bot replies. I am currently stranded in a third country and cannot return home until Fintiba releases my money. This delay is causing me severe financial distress.

Since Fintiba partners with Sutor Bank, is it possible to file an official complaint against them with BaFin (Federal Financial Supervisory Authority)? Has anyone done this before, and did it speed up the refund process?

Any advice or shared experiences would be greatly appreciated. Thank you!