Oh boy. This is going to be a strange one. Let's kick things off from the beginning.
As far as I have been able to piece together, Dustin Curtis lost access to their Apple ID and all of the data associated with it because a monthly Apple Card payment failed. That's it. iCloud Photo Library, contacts, email, all the things iCloud offers, gone. The App Store unusable. Curtis couldn't even update apps, apparently. Not because their account had been compromised. They hadn't even missed an iCloud payment.
Instead, their bank account number had changed which, again as far as I can tell, meant that a monthly payment wasn't made when Apple requested it. Because of that, the Apple Card payment was late. So Apple pulled up the drawbridge and that was the end of that.
Curtis explains that Apple support was unable to help, likely because of the oddity that was the issue.
The first person I spoke to at Apple spent a while researching the issue and then told me there was nothing she could do but escalate the issue, and that I should expect a call "hopefully" within the next day. I asked what the problem might be, and she seemed as confused as I was. Although some Apple services were still working, like iMessage (thank God) and Photos, I was terrified that more services would suddenly become inaccessible or that I would lose the considerable amount of data I have stored in iCloud.
After chasing things up with Apple, Curtis was again told that an email needed to be sent. It was, and they waited. And then things got weird.
The next time I tried to use my Apple Card, it was declined. Strange. I checked the Wallet app, and the balance was below the limit. I remembered the Apple support representative mumbling about Apple Card, so I did some digging through my email to see if I could find a connection.
As it turns out, my bank account number changed in January, causing Apple Card autopay to fail. Then the Apple Store made a charge on the card. Less than fifteen days after that, my App Store, iCloud, Apple Music, and Apple ID accounts had all been disabled by Apple Card.
Now, it's important to note at this point that Curtis says all of his Apple hardware was complaining of various Apple ID-related issues. There's been some confusion about whether this situation was related to a recent MacBook Pro purchase or not. I suspect not, but you can read the original blog post to see what Curtis thinks happened. In reality, I believe the failed automated payment caused the issues, but why this happened isn't my issue right now.
My issue is that any sort of Apple Card problem can cause an Apple ID to be locked out. Because locking out an Apple ID causes all kinds of problems. Not least, you might not be able to access photos of your kids. Or send an important email. The number of things that a faulty Apple ID can cause to break is almost limitless. Why is Apple Card in any way linked to what someone can and can't do with their iPhone, Mac, Apple TV, Apple Watch, or anything else? If they aren't trying to buy something with it, Apple Card should be irrelevant.
That fact it isn't, or wasn't in this case, is terrifying and is more than enough to put me off Apple Card if and when it finds its way across the Atlantic and to the UK.
Thankfully, Curtis was able to regain access to all things Apple after Goldman Sachs sent an email to someone else inside Apple to get the situation resolved.
I've reached out to Apple for comment. None had been received at the time of publication.