Apple Card Mislabeling AT&T Charges as 'Waters, Hardy & Co' Leading to Customer Confusion [Update: Fixed]

A transaction labeling error with the Apple Card has been causing confusion for some ‌Apple Card‌ owners, with AT&T charges listed as "Waters, Hardy & Co" instead of AT&T on ‌Apple Card‌ statements.

applecarderror
The problem appears to have started at some point yesterday, with tax preparation service Waters, Hardy & Co receiving hundreds of phone calls from confused customers. In a Facebook post, the company said that it had received so many calls from ‌Apple Card‌ owners that its phones had to be turned off.

MacRumors reader Kyle alerted us to the problem. He found an incorrect merchant charge for "Waters, Hardy & Co" listed in the Wallet app, which was actually his bill from AT&T. He contacted the company and received a voice recording with a message that said Apple had incorrectly listed Waters, Hardy & Co as the merchant for the AT&T charges.

Another MacRumors reader mentioned the same issue yesterday, noting a "weird charge" on the ‌Apple Card‌, presumably from Waters, Hardy & Co. Based on the reports we've seen and the hundreds of calls received by Waters, Hardy & Co., this appears to be affecting quite a few AT&T customers who use ‌Apple Card‌ for their bills.

MacRumors reader Kyle says that he contacted Apple Support about the problem and was told that the issue was known and was in the process of being corrected. Waters, Hardy & Co. also says that it is working to get the problem resolved as quickly as possible.

Update: According to Apple, the issue has been fixed and AT&T transactions will no longer be mislabeled.

Popular Stories

iOS 26

15 New Things Your iPhone Can Do in iOS 26.2

Friday December 5, 2025 9:40 am PST by
Apple is about to release iOS 26.2, the second major point update for iPhones since iOS 26 was rolled out in September, and there are at least 15 notable changes and improvements worth checking out. We've rounded them up below. Apple is expected to roll out iOS 26.2 to compatible devices sometime between December 8 and December 16. When the update drops, you can check Apple's servers for the ...
iPhone 14 Pro Dynamic Island

iPhone 18 Pro Leak Adds New Evidence for Under-Display Face ID

Monday December 8, 2025 4:54 am PST by
Apple is actively testing under-screen Face ID for next year's iPhone 18 Pro models using a special "spliced micro-transparent glass" window built into the display, claims a Chinese leaker. According to "Smart Pikachu," a Weibo account that has previously shared accurate supply-chain details on Chinese Android hardware, Apple is testing the special glass as a way to let the TrueDepth...
iOS 26

Apple Seeds Second iOS 26.2 Release Candidate to Developers and Public Beta Testers

Monday December 8, 2025 10:18 am PST by
Apple today seeded the second release candidate version of iOS 26.2 to developers and public beta testers, with the software coming one week after Apple seeded the first RC. The release candidate represents the final version iOS 26.2 that will be provided to the public if no further bugs are found. Registered developers and public beta testers can download the betas from the Settings app on...
Foldable iPhone 2023 Feature 1

Apple to Make More Foldable iPhones Than Expected

Tuesday December 9, 2025 9:59 am PST by
Apple has ordered 22 million OLED panels from Samsung Display for the first foldable iPhone, signaling a significantly larger production target than the display industry had previously anticipated, ET News reports. In the now-seemingly deleted report, ET News claimed that Samsung plans to mass-produce 11 million inward-folding OLED displays for Apple next year, as well as 11 million...
iPhone 17 Pro Cosmic Orange

10 Reasons to Wait for Next Year's iPhone 18 Pro

Monday December 1, 2025 2:40 am PST by
Apple's iPhone development roadmap runs several years into the future and the company is continually working with suppliers on several successive iPhone models at the same time, which is why we often get rumored features months ahead of launch. The iPhone 18 series is no different, and we already have a good idea of what to expect for the iPhone 18 Pro and iPhone 18 Pro Max. One thing worth...
Johny Srouji

Apple's Chipmaking Chief Johny Srouji Responds to Report About Him Potentially Leaving

Monday December 8, 2025 9:23 am PST by
Apple's chipmaking chief Johny Srouji has reportedly indicated that he plans to continue working for the company for the foreseeable future. "I love my team, and I love my job at Apple, and I don't plan on leaving anytime soon," said Srouji, in a memo obtained by Bloomberg's Mark Gurman. Here is Srouji's full memo, as shared by Bloomberg:I know you've been reading all kind of rumors and...
Johny Srouji

Apple Chip Chief Johny Srouji Could Be Next to Go as Exodus Continues

Sunday December 7, 2025 10:41 am PST by
Apple's senior vice president of hardware technologies Johny Srouji could be the next leading executive to leave the company amid an alarming exodus of leading employees, Bloomberg's Mark Gurman reports. Srouji apparently recently told CEO Tim Cook that he is "seriously considering leaving" in the near future. He intends to join another company if he departs. Srouji leads Apple's chip design ...
google pixel 10

Switching Between iPhone and Android Will Get Easier With New Apple and Google Collaboration

Monday December 8, 2025 11:10 am PST by
Apple and Google are teaming up to make it easier for users to switch between iPhone and Android smartphones, according to 9to5Google. There is a new Android Canary build available today that simplifies data transfer between two smartphones, and Apple is going to implement the functionality in an upcoming iOS 26 beta. Apple already has a Move to iOS app for transferring data from an Android...
Intel Inside iPhone Feature

Apple's Return to Intel Rumored to Extend to iPhone

Friday December 5, 2025 10:08 am PST by
Intel is expected to begin supplying some Mac and iPad chips in a few years, and the latest rumor claims the partnership might extend to the iPhone. In a research note with investment firm GF Securities this week, obtained by MacRumors, analyst Jeff Pu said he and his colleagues "now expect" Intel to reach a supply deal with Apple for at least some non-pro iPhone chips starting in 2028....
Apple Fitness Plus expansion hero

Apple Fitness+ Coming to 28 New Regions With Digital Voice Dubbing

Monday December 8, 2025 6:19 am PST by
Apple today announced that Fitness+ is expanding to 28 new markets on December 15 in the service's largest international rollout since launch, accompanied by new language dubbing and a K-Pop music genre. Apple Fitness+ will become available in Chile, Hong Kong, India, the Netherlands, Singapore, Taiwan, and additional regions on December 15, with Japan scheduled to follow early next year....

Top Rated Comments

Steve.P.JobsFan Avatar
68 months ago

I’ve had this charge this morning. Frankly, you need to be a little thick in order not to do 2+2 .... it’s the same exact amount as your AT&T bill... on the same day as your AT&T bill... your AT&T bill has not been charged separately.... Apple Card frequently mislabels charges.... what genius could solve the mystery? But, no of course, some people immediately call the police/the internets/macrumors for help!!
Having worked customer service at a credit card company.. do not underestimate how thick the average person is.
Score: 29 Votes (Like | Disagree)
farewelwilliams Avatar
68 months ago
Apple...water you doing? ?
Score: 27 Votes (Like | Disagree)
CWallace Avatar
68 months ago
Since Goldman Sachs administers the Apple Card, it may be premature to presume that it is Apple behind this merchant mix-up.
Score: 23 Votes (Like | Disagree)
Waters Hardy & Co Avatar
68 months ago

Waters Hardy and whatever need to stop being so lazy and answer their phones.

Never gonna hire them for anything!
Hi Rafagon,

I understand your frustration. Unfortunately, we had to turn off our phones due to the massive amount of phone calls we were receiving due to this error. As of now, all ATT has allowed us to do is file an "incident report" that we are told will eventually be acted upon. We are sorry that we were not able to answer your phone call but hopefully, the issue will be resolved soon.

Thank You,

Waters Hardy & Co, P.C.
Score: 15 Votes (Like | Disagree)
ChromeAce Avatar
68 months ago
Waters & Co is the secret subsidiary of AT&T run by the NSA.
Score: 12 Votes (Like | Disagree)
va1984 Avatar
68 months ago
I’ve had this charge this morning. Frankly, you need to be a little thick in order not to do 2+2 .... it’s the same exact amount as your AT&T bill... on the same day as your AT&T bill... your AT&T bill has not been charged separately.... Apple Card frequently mislabels charges.... what genius could solve the mystery? But, no of course, some people immediately call the police/the internets/macrumors for help!!
Score: 11 Votes (Like | Disagree)