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

apple tv 4k new orange

New Apple TV Expected Later This Year With These New Features

Saturday July 12, 2025 3:09 pm PDT by
A new Apple TV is expected to be released later this year, and a handful of new features and changes have been rumored for the device. Below, we recap what to expect from the next Apple TV, according to rumors. Rumors Faster Wi-Fi Support The next Apple TV will be equipped with Apple's own combined Wi-Fi and Bluetooth chip, according to Bloomberg's Mark Gurman. He said the chip supports ...
iphone 16 pro ghost hand

5 Reasons to Skip This Year's iPhone 17 Pro

Thursday July 10, 2025 4:54 am PDT by
Apple will launch its new iPhone 17 series in two months, and the iPhone 17 Pro models are expected to get a new design for the rear casing and the camera area. But more significant changes to the lineup are not expected until next year, when the iPhone 18 models arrive. If you're thinking of trading in your iPhone for this year's latest, consider the following features rumored to be coming...
iPhone 17 Pro in Hand Feature Lowgo

iPhone 17 Pro Coming Soon With These 16 New Features

Friday July 11, 2025 12:40 pm PDT by
Apple's next-generation iPhone 17 Pro and iPhone 17 Pro Max are only two months away, and there are plenty of rumors about the devices. Below, we recap key changes rumored for the iPhone 17 Pro models. Latest Rumors These rumors surfaced in June and July:A redesigned Dynamic Island: It has been rumored that all iPhone 17 models will have a redesigned Dynamic Island interface — it might ...
Apple Watch Ultra 2 Complications

Apple Watch Ultra 3: What to Expect

Sunday July 13, 2025 10:30 am PDT by
The long wait for an Apple Watch Ultra 3 is nearly over, and a handful of new features and changes have been rumored for the device. Below, we recap what to expect from the Apple Watch Ultra 3:Satellite connectivity for sending and receiving text messages when Wi-Fi and cellular coverage is unavailable 5G support, up from LTE on the Apple Watch Ultra 2 Likely a wide-angle OLED display that ...
iphone 16 pro pro max

iPhone 17 Pro Models With BOE Displays Will Be Sold in China Only

Thursday July 10, 2025 11:59 pm PDT by
iPhone 17 Pro and iPhone 17 Pro Max models with displays made by BOE will be sold exclusively in China, according to a new report. Last week, it emerged that Chinese display manufacturer BOE was aggressively ramping up its OLED production capacity for future iPhone models as part of a plan to recapture a major role in Apple's supply chain. Now, tech news aggregator Jukan Choi reports...
top stories 2025 07 12

Top Stories: iPhone 17 Pro Rumors, iOS 26 Beta 3, and More

Saturday July 12, 2025 6:00 am PDT by
The iOS 26 public beta release is quickly approaching, while developers have recently gotten their hands on a third round of betas that has seen Apple continue to tweak features, design, and functionality. We're also continuing to hear rumors about the iPhone 17 lineup that is now just about right around the corner, while Apple's latest big-budget film appears to be taking off, so read on...

Top Rated Comments

Steve.P.JobsFan Avatar
63 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
63 months ago
Apple...water you doing? ?
Score: 27 Votes (Like | Disagree)
CWallace Avatar
63 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
63 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
63 months ago
Waters & Co is the secret subsidiary of AT&T run by the NSA.
Score: 12 Votes (Like | Disagree)
va1984 Avatar
63 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)