Trending February 2024 # At&T Fined $7.75M By Fcc For Letting Scammers Bill Customers For ‘Sham’ Directory Service # Suggested March 2024 # Top 5 Popular

You are reading the article At&T Fined $7.75M By Fcc For Letting Scammers Bill Customers For ‘Sham’ Directory Service updated in February 2024 on the website Flu.edu.vn. We hope that the information we have shared is helpful to you. If you find the content interesting and meaningful, please share it with your friends and continue to follow and support us for the latest updates. Suggested March 2024 At&T Fined $7.75M By Fcc For Letting Scammers Bill Customers For ‘Sham’ Directory Service

The FCC today announced that it has agreed to a settlement with AT&T for the carrier allowing unauthorized third-party charges on customers’ monthly bill. AT&T will pay a total fine of $7.75 million, $6.8 million of which will be refunds to affect customers. The other $950,000 will be a federal fine paid to the U.S. Treasury.

In its statement, the FCC explained that AT&T allowed “scammers to charge customers approximately $9 per month for a sham directory assistance service.” For every charge, AT&T also received a cut, according to the results of the investigation. Two Cleveland-area companies, Discount Directory Inc and Enhanced Telecommunications Services, were behind the unauthorized billing that affected “thousands” of consumers that were subscribed to AT&T’s landline service. The companies claimed to provide a directory service that was never actually provided.

The fraud setup was initially discovered by the United States Drug Enforcement Administration while investigating the two companies for drug trafficking. According to the FCC, most of the affected customers were small businesses, none of which had agreed to charges for a directory service, let alone a directory service that didn’t actually exist. The crime was brought to light when the DEA seized nearly $3.4 million in assets from the two companies.

In addition to the $7.75 million in penalties, AT&T said in a statement that it has put much stricter requirements in place on third-party companies that bill its users. The new efforts will help both AT&T and consumers ensure that all charges are authorized and legitimate. “We have implemented strict requirements on third parties submitting charges for AT&T bills to ensure that all charges are authorized by our customers; indeed, those requirements go beyond the requirements of FCC rules and impose safeguards that the FCC proposed but never adopted,” the carrier said.

AT&T stopped billing for the sham directory service back in June 2024 and will send refund checks to consumers within 90 days.

This isn’t the first time AT&T has been hit with a fine by the FCC. Last year, the FCC fined AT&T $100 million for throttling customers with unlimited data plans. AT&T disputed the assertions by the FCC and similar ones from the FTC, saying customers were fully aware of the restrictions on the unlimited data plans.

You can view the AT&T and FCC statements on today’s announcement below.

AT&T:

“Consistent with industry practices, AT&T wireline telephone customers have been able to purchase certain telecommunications services from third parties and have charges for those services billed on their telephone bill. We have implemented strict requirements on third parties submitting charges for AT&T bills to ensure that all charges are authorized by our customers; indeed, those requirements go beyond the requirements of FCC rules and impose safeguards that the FCC proposed but never adopted. Nonetheless, unbeknownst to us, two companies that engaged in a sophisticated fraud scheme were apparently able to circumvent those protections and submit unauthorized third-party charges that were billed by AT&T.

Today, we reached a settlement with the FCC to resolve all claims associated with these companies and the related charges. Pursuant to the settlement, we will provide refunds for all charges on behalf of these two companies going back to January 1, 2012. Affected former and current AT&T wireline telephone customers will receive these refunds via check within 90 days. We stopped billing for these entities as of June 2024 and will also cease wireline third-party billing for other third parties, with limited exceptions.”

FCC:

The Federal Communications Commission’s (FCC) Enforcement Bureau today announced a settlement with AT&T Services to resolve its investigation into whether the company “crammed” unauthorized third-party charges on its customers’ wireline telephone bills. AT&T allowed scammers to charge customers approximately $9 per month for a sham directory assistance service. The scam was uncovered by the U.S. Drug Enforcement Administration (DEA) while investigating the scammers for drug-related crimes and money laundering.

“A phone bill should not be a tool for drug traffickers, money launderers, and other unscrupulous third parties to fleece American consumers,” said Enforcement Bureau Chief Travis LeBlanc. “Today’s settlement ensures that AT&T customers who were charged for this sham service will get their money back and that all AT&T consumers will enjoy greater protections against unauthorized charges on their phone bills in the future.”

The DEA discovered the cramming scam while investigating two Cleveland-area companies, Discount Directory, Inc. (DDI) and Enhanced Telecommunications Services (ETS) for drug-related crimes and money laundering. In the course of seizing drugs, cars, jewelry, gold, and computers (totaling close to $3.4 million) from the companies’ principals and associates, DEA investigators discovered financial documents related to a scheme to defraud telephone customers. The key participants in the scheme told DEA agents that the companies were set up to bill thousands of consumers (mostly small businesses) for a monthly directory assistance service on their local AT&T landline telephone bills. The DEA referred this investigation to the FCC’s Enforcement Bureau in 2024.

AT&T received a fee from the companies for each charge AT&T placed on its customers’ bills. Although DDI and ETS submitted charges for thousands of AT&T customers, they never provided any directory assistance service. Neither DDI, ETS, nor AT&T could show that any of AT&T’s customers agreed to be billed for the sham directory assistance service. Phone companies like AT&T have a responsibility to ensure third-party charges are legitimate and were approved by the consumer.

Under the terms of today’s settlement, AT&T will issue full refunds to all current and former consumers charged for the sham directory assistance service since January 2012. These refunds are expected to total $6,800,000. AT&T will also pay a $950,000 fine to the U.S. Treasury.

The Enforcement Bureau has also secured strong consumer protections in the settlement that include requirements that AT&T cease billing for nearly all third-party products and services on its wireline bills, adopt processes to obtain express informed consent from customers prior to allowing third-party charges on their phone bills, revise their billing practices to ensure that third-party charges are clearly and

conspicuously identified on bills so that customers can see what services they are paying for, and offer a free service for customers to block third-party charges. In addition, the Consent Decree requires AT&T to implement a detailed program for addressing and refunding consumers who complain to the company about unauthorized third-party charges.

Placement of unauthorized charges and fees on consumers’ telephone bills is an “unjust and unreasonable” practice prohibited by the Communications Act. Cramming results in consumers paying for services they never requested and expending significant time and resources to reverse unauthorized charges. The FCC has taken many enforcement actions against carriers as a result of unauthorized, misleading, or deceptive charges placed on consumers’ telephone bills. In the last five years, the Commission has taken more than 30 enforcement actions against carriers for cramming and unauthorized carrier switches, totaling more than $360 million in proposed penalties and payments to the U.S. Treasury. In 2014, AT&T agreed to pay $105 million in fines and refunds to current and former wireless customers for unauthorized third-party subscriptions and premium text messaging services as part of a global cramming settlement with the FCC, Federal Trade Commission, and states’ attorneys general. Today’s Consent Decree does not impact the 2014 settlement.

For more information about the FCC’s rules protecting consumers from unauthorized charges on telephone bills, see the FCC consumer guides regarding cramming and slamming.

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Off Cycle Hiring At Banks

Off Cycle Hiring at Banks

Hiring that takes place outside of the normal recruiting process

Written by

Tim Vipond

Published November 22, 2023

Updated July 7, 2023

What is Off Cycle Hiring at Investment Banks?

Any hiring that takes place outside of the normal recruiting process is called off cycle hiring. Investment banks hire the majority of new analysts and associates through a regular annually recruiting schedule, but occasionally have the need to staff up outside that schedule, which is where off cycle hiring comes in.

The regular investment banking hiring process

The regular hiring process for a new analyst or associate is one of the following:

Internship that turns into a full-time offer

Campus recruitment process

Option number one, which is an internship that turns into a full-time offer, is the fastest option and results in the least stress/uncertainty. This is why getting an internship at a bank or institution you want to work at full-time is such a big win. An analyst or associate who’s doing a great job in their summer internship may receive an offer before the summer is through, securing their position to come back full-time when they finish school.

Option number two, the campus recruitment process, happens a bit later, after internships are over, but is still fairly early in the grand scheme of things. In this case, a candidate may have done an internship at another bank, institution, or done something entirely different. This process is outlined in more detail in our campus recruitment guides.

What can you do if you miss the regular hiring process?

If you miss the regular process, all is not lost, as banks do post positions to hire off cycle when they need to staff up and can’t wait for the next batch of graduate hires to join.

Here are some ideas on what to do if you miss the regular hiring process and are in your final year of school:

#1 Target smaller/boutique firms

The smaller, more boutique firms are more likely to have an irregular hiring program.  If you think about it, a company needs a tremendous amount of stability to make people job offers nearly an entire year before they want them to start working.  Bulge bracket banks can do it, but many smaller firms can’t extend themselves that far out into the future.

#2 Network as hard as you can

Getting in at smaller firms with off cycle hiring, in general, is often much more dependent on networking that on the regular hiring process. Since off cycle positions that come open are often required on demand, they have shorter recruiting periods and, therefore, already being on people’s radar screens is important.

An effective strategy can be to meet with as many professionals as possible and just ask them to “keep you in mind” if opportunities come up in the future.  While their memory may be short, if you have a lot of people in your network, then the timing will hopefully work out with at least one of them.

#3 Monitor job postings

One tip is to setup a Google Alert for some very specific criteria that trigger an alert when a company posts an analyst/associate job position.

Final thoughts on off cycle hiring in banking

While most people are hired from internships or through the regular hiring cycle, there is still a reasonable chance of off cycle hiring if you do the right things. As mentioned above, if you target smaller firms, network as hard as you can, and monitor postings (with alerts), then your chances of landing a job are significantly improved.

Learn More

How To Look At Multiple

The following is an excerpt from my new book, ‘ Tween Crayons and Curfews: Tips for Middle School Teachers , I share what I call “lesson trails,” step-by-step activities that I routinely use in my classroom following every formal assessment, in order to use that test formatively. In the book, I describe two different kinds of lesson trail packets: one for formatively reflecting on essay writing, and one for formatively reflecting on a multiple-choice assessment for any subject. The excerpt below is an abridged description of the latter.

To avoid this same scenario happening to my own students, I use assessments formatively. That is, I have designed a series of activities that routinely follow each test that help guide my students to learn from the results of their formal assessments. Therefore, the information gets routed, not into their brain’s trashcan, but into their long-term memory. These activities help my students to look frankly at the results of their tests, analyze and reflect on how they did and why, and set goals to achieve better.

As a student, I would study for a test (most likely the day before or, I confess, even the period before), take the assessment, and then, much like a person who is done with a document on their desktop, my brain would simply “Empty Trash.”

Bottom line: In my classroom, taking a test doesn’t end the learning. In fact, it signals the beginning.

The day after I receive the results of their multiple choice tests, whether they are scantron, peer-scored, or teacher scored, the students know that we will begin embarking on a series of what I call “lesson trails” to create a formative packet that becomes both evidence of their learning and a resource for their future test preparation.

“Lesson Trails” lead from one to another, building towards a goal. We step onto one stepping stone, accomplish that task, then jump to the next one, which can only be tackled if the one before it is complete.

A Lesson Trail Following a Multiple-Choice Assessment

Basically, each student gets a Formative Assessments folder. This folder, which can be used for any subject, becomes a yearlong vault of information for each student. Through its development, I guide them to analyze their own growth. During the standardized testing season, the folders are also used as a test prep resource. However it is more than just test prep because it is a dynamic and growing resource that students interact with formatively.

Depending on the assessment being analyzed, the packets therein could look something like this:

1. Their Copy of the Test – Let’s say this is the original packet of 50 questions that they used to take the initial test. When taking the test, the students should be encouraged to write in the margins, highlight words in the passages, chúng tôi show what they were thinking at the time they came up with their answers. They should also circle their answers in the booklet before bubbling the answer onto their answer sheet in order to assess another skill: bubbling prowess.

Frankly, even the best students make bubbling errors. It’s a fine-motor skills issue. By getting the additional information that the circled response gives them, the students can decide for themselves whether it was a careless error or a lack of content knowledge.

2. The Original Answer Sheet – This way they can’t dispute the accuracy of the actual scantron machine.

3. Reflection Questions – This is a sheet that asks students to quantify some of their mistakes on the assessment as a whole so that they can look at their data in the eye in order to goal-set later. On it, I ask the following:

How To Win At Retargeting

Users will abandon your carefully crafted funnel at any stage, including after they’ve added items to their cart.

And that first exposure to your brand via a paid search ad, blog post, video, or another piece of online content – organic or paid – rarely results in an instant conversion.

Think about it.

When was the last time you saw something so amazing online that you shouted, “Take my money!” and ordered it right that second?

A buyer journey is a kind of relationship that needs constant cultivating.

The funnel isn’t a process you can push people through; it’s an evolving journey that people leave and return to.

This happens across platforms, devices, and sometimes, long stretches of time.

Your customers are far more likely to really start thinking about sealing the deal on the second, seventh, or maybe fifteenth time your brand or product comes up.

With that in mind, is there any way to speed up the journey?

Is it possible to get in front of those specific prospects who are already considering you?

What if you could sway them faster with more relevant, targeted information and an offer that really gets them thinking?

“Now, some customers (high intent ones) will complete this journey quickly, sometimes after seeing an ad for the first time. But most may require time and multiple touchpoints to move them through the funnel and complete their journey.

Remarketing and retargeting are tactics used to move people through the funnel, assisting them on the journey from being unaware of your brand to becoming paying customers.”

In this ebook, you’ll find all of the best practices you need to know to drive the best results for your remarketing and retargeting efforts.

Why is this such an important addition to your marketing library right now?

Be Ready – People Abandon Buying Journeys To Do Research

And they’re researching your competitors.

You need to stay top of mind.

But, how do you do that without annoying or overwhelming an audience that is constantly bombarded with information?

Currently, the number of digital buyers tops 2.1 billion.

There are tons of opportunities to put your brand and products in front of digital buyers. And everyone else is doing it.

People know that they have an abundance of choices.

Buying journeys are becoming less direct as consumers pause to research their options.

The average shopping cart abandonment rate in select industries is 79.8%.

That’s people who have been all the way through your funnel and then choose to wander off right before they buy.

Maybe they’ll be back.

Or, maybe they’ll buy the same thing from a competitor later.

Learn Remarketing & Retargeting To Re-Engage Distracted Audiences

“Online audiences increasingly have their attention pulled in a million directions,” Miller says.

“You’ve got notifications going off on a dozen apps, interruptions of all kinds in the physical world, and information consumption happening across multiple screens. The funnel is really a scattershot of myriad touchpoints; it’s not what we were taught it was 15 years ago.”

Retargeting gets you back in front of that warm audience with more targeted messaging – wherever your customer is in their journey.

It enables you to maximize your investments in email marketing, SEO, paid search, and social by reconnecting and having another shot at moving that customer to their next step.

But, it’s not always easy.

“There’s an art and a science to successful retargeting, and that’s why we were thrilled to have Sean and Tori co-author this guide,” Miller explains.

“Their real-world, practical experience in planning and executing smart retargeting campaigns at Closed Loop shines through in the expert columns they share with our readers, and this ebook enabled us all to take a deeper dive into successful strategy alongside them.”

This latest ebook will teach you how to recapture attention and keep touchpoints with your audience alive.

By the end of this guide, you’ll be able to:

Understand the differences between these two tactics and determine which one is right for you.

Identify the key factors to consider in launching your remarketing and retargeting (RM/RT) efforts.

Apply consumer insights and data to power your RM/RT.

Without context, data is just numbers.

It takes experience and empathy to look at engagement data and approximate human intent.

That’s what retargeting and remarketing are about: Finding the right people, with the right intent, at the right time.

Download your free ebook if you’re ready to start learning this process.

Nightlife: Howl At The Moon

Nightlife: Howl at the Moon Guests “become part of the show” at dueling piano bar

A busy night upstairs at Howl at the Moon’s piano bar. Photo by Chorale Miles

During the summer months, BU Today is revisiting some of our favorite stories from the past year. This week, we feature some of the many nightlife venues near BU where one can dance, dine, and listen to music.

When Howl at the Moon opened in Boston more than two years ago, its website promised it would be “the hottest party in the Financial District”—not exactly what you’d think of when you hear the words “piano bar.” But then this coast-to-coast chain (Boston is the 15th location) is no typical piano bar. You won’t hear Cole Porter or Rodgers & Hammerstein here. This place is strictly rock ’n’ roll.

With its dueling piano bar upstairs featuring a roster of talented pianists and a lower level dance club–lounge downstairs, it’s easy to see why Howl at the Moon has become so popular with all age groups.

Upstairs boasts a corner stage complete with two pianos, guitars, and a drum set. During our Thursday night visit, there was even a flutist among the musicians. The performers play anything from classic oldies to today’s top-40 hits. Bar-goers can request songs by using the slips found on every table. Audience participation is strongly encouraged.

The night we were there, the pianists-singers played an eclectic mix of tunes, ranging from Like a Virgin by Madonna to In the Club by 50 Cent. They also performed songs by the Red Hot Chili Peppers, the Plain White T’s, Queen, Mumford and Sons, Outkast, the Jackson 5, Miley Cyrus, TLC, and more. These are pianists expert at putting on a show—energetically tickling the ivories and bouncing their feet, all the while singing for all they’re worth.

The upstairs space affords a good-sized open area by the stage for dancing. For those who aren’t that brave, there is a large island bar with high stools and eight flat-screen TVs on top to watch sports.

A popular location to hang out after work, Howl at the Moon is open seven days a week. Given its location, it’s not surprising that it’s become a popular weeknight destination for nearby office workers after work. On weekends, however, the piano bar is known for its lively parties (bachelorette events a specialty) and big crowds. If you’re interested in bringing a crowd to Howl at the Moon, you can enter to win a Reverse Happy Hour Party on the bar’s website or its Facebook and Twitter pages. Selected winners can invite up to 100 guests for a night of free admission (with line privileges—no waiting) and other benefits inside. In addition, Thursday nights are college nights, which means anyone with a valid college ID gets in free to the upper and lower levels.

If you prefer a more traditional club atmosphere, venture to the lower level Down Ultra Lounge, which features a large dance floor, comfortable couches, and another bar. The music here is provided by DJs rather than live musicians, and the venue is open Thursday, Friday, and Saturday nights only.

Howl at the Moon, 184 High St., in Boston’s Financial District, is a 10-minute walk from the Government Center T station. Hours: Monday through Friday, 4 p.m. to 2 a.m.; Saturday, 5 p.m. to 2 a.m.; Sunday, 7 p.m. to 2 a.m. Hours for Down Ultra Lounge are 9 p.m. to 2 a.m. Thursday through Saturday. You must be 21 or older to enter. There is no cover charge Sunday to Wednesday. On Thursday, there is a cover charge of $5 beginning at 9 p.m. (if you don’t have a valid college ID) and on Friday and Saturday, there is a cover charge of $10 beginning at 6 p.m. Howl at the Moon and Down Ultra Lounge take all major credit cards.

This article was originally published on October 18, 2012.

Andreia DeVries can be reached at [email protected]; follow her on Twitter at @andreia_dev.

Explore Related Topics:

Senators Question Security At Healthcare.gov

U.S. lawmakers Tuesday questioned the security of chúng tôi the U.S. government’s troubled insurance-shopping website, after reports that one applicant’s personal information was shared with another applicant.

Reports that the website shared South Carolina resident Tom Dougall’s personal information with another insurance applicant raises serious concerns about security at the site, Republican members of the U.S. Senate Health, Education Labor and Pensions Committee said during a hearing Tuesday.

The security concerns come on top of the website’s existing problems, including site outages, sluggish page load times, and users’ inability to complete coverage applications, since the U.S. Department of Health and Human Services launched the website on Oct. 1. The website is a key piece of insurance reform law known as the Affordable Care Act, or Obamacare, which was passed by Congress in 2010.

“We are now more than 30 days into one of the greatest website disasters in history,” Senator Tim Scott, a South Carolina Republican, said during the hearing. “After nearly $400 million, chúng tôi is synonymous now with failure. The public’s trust has been broken.”

In the South Carolina case, another applicant received download links to Dougall’s insurance application, Scott said. Dougall and Scott have asked HHS to remove all his personal information from chúng tôi but agency officials have not been able to tell him if that will happen, said Scott, one of Dougall’s senators.

“There’s no delete option for consumers,” Scott said.

Data leaks fixed

The team working on chúng tôi for the HHS Centers for Medicare and Medicaid Services [CMS] has fixed the problem that caused the data to be shared, said Marilyn Tavenner, administrator at CMS. The agency has been trying to contact Dougall to address his concerns, she said.

Tavenner defended the site’s security, saying contractor Mitre has continually tested the site and is monitoring for intrusions. The site is using similar security measures as are used in the CMS Medicare program, she said.

Capacity has been added to improve site performance and chúng tôi should be working well by the end of the month, as HHS has projected, she said.

But committee Republicans—who have opposed Obamacare—raised doubts about security. The HHS inspector general’s office warned HHS and its Centers for Medicare and Medicaid Services [CMS] about possible security problems in an August report, Scott said.

That report warns CMS of a tight time frame for completing security testing, with the report noting that the targeted data of security authorization for the website slipped from early September to Sept. 30, a day before launch. “If there are additional delays in completing the security authorization package, the CMS CIO may not have a full assessment of system risks and security controls needed for the security authorization decision by the initial opening enrollment period,” the report said.

Senator Michael Enzi, a Wyoming Republican, repeated concerns raised in earlier hearings that end-to-end security testing on the site was not completed before it went live.

Security testing for the website’s hub, which verifies applicants’ eligibility for insurance coverage, was completed, Tavenner said, while individual components of the site’s exchange functionality, where users can apply for insurance and compare plans, were also tested. The testing complied with U.S. government rules, she said.

The exchange “was not signed off as a complete package, because we were still upgrading modules,” she said. “The testing will continue this month and next month as we do these software upgrades.”

Committee Chairman Tom Harkin, an Iowa Democrat, urged CMS to focus on security. “This is a paramount concern,” he said. “Consumers have to be absolutely certain that when they go on and they fill out that application, they give all that information, that is secure.”

Other committee Democrats said they were disappointed in HealthCare.gov’s rollout. The botched launch of the site has led to a “crisis of confidence” in the system, said Barbara Mikulski, a Maryland Democrat.

CMS plans to reach out to website users and to people who have avoided the site because of the problems after the agency is confident chúng tôi is working correctly, Tavenner said. The agency is planning a media campaign after the problems are resolved, she said.

Unlock An At&T Iphone From The Web With At&T

If you own an iPhone that is not part of a contract with AT&T, you can now officially unlock the device for use on other networks. We’ve discussed this before and our previous guide on unlocking the iPhone through AT&T focused on calling a special direct line, but now we’ll show you how to unlock an iPhone entirely through the web with the help of AT&T’s online technical support chat. This method is extremely quick, there are no wait times, and it’s easier for international users or for those without access to an active phone line.

Requirements for Unlocking an iPhone with AT&T

Any out of contract iPhone

AT&T Login – if you’re not a current AT&T customer we’ve heard reports that you can create a new AT&T login but YMMV

A valid email address to receive updates from AT&T

About 5 minutes of your time

Assuming you meet all the requirements, jump ahead and start the simple unlock process.

Unlock an iPhone with AT&T via the ATT Website

Updated with an all new easier method! AT&T has provided a new simpler method to start the unlock process for iPhones:

Go here and fill out the Support Request through AT&T, get to that page and scroll to the bottom to find the checkbox and then choose “Agree” to begin the form process

Wait for the unlock to process by AT&T

Unlocks through the web request form are quick and you should hear back within a few days.

Sometimes the process is even faster though. Regardless, you will hear back as to whether the iPhone is eligible for an unlock (if the requirements are met, it usually is), or if its not eligible and then AT&T will tell you why. Often iPhones are rejected because they are not out of the contract period yet, so sometimes it’s just a matter of waiting a bit longer to be able to unlock the device.

When the unlock has been approved, it’s just a matter of restoring the iPhone through iTunes to get the unlock to complete. It’s a very simple process, though as always you should backup the device before doing any kind of iOS system restore.

Alternate Method: Request an Unlock through AT&T Support

The old method through AT&T support is still listed below and may work if you have problems with the request form, or if there is some technical issue that would prevent the aforementioned technique from working.

State that you would like to unlock an off contract iPhone and provide the iPhone IMEI number

Let the AT&T representative check if the iPhone is indeed without a contract and give them an email address when asked

If everything checks out, the AT&T rep will provide you with a case number and an estimated date of completion for resolution. The date they provide is a rough estimate and by no means represents the date you will get an email from AT&T. Sometimes AT&T sends the unlock emails out within an hour but it can take up to 10 days as well, the time varies widely based on the volume of unlock requests. I have completed this process several times with multiple different iPhone models and it has worked every time, though the time between request and completion has varied.

There are a few potential situations that could complicate the otherwise simple unlocking process:

Did you buy an iPhone used, or through a service other than AT&T or Apple? You may need to provide a receipt of purchase

Is the iPhone still on a contract with another AT&T customer? You may need to wait until that customers iPhone contract period is up

Do you have a past-due balance on an AT&T account? You will need to pay that before AT&T will unlock the iPhone

Once you do receive the unlock instructions from AT&T , they are basically telling you to restore the iPhone to activate the unlock. Backup before doing this so you can get back to where you were, and you’ll know the unlock worked because after restoring you get a “Congratulations, your iPhone is unlocked” message in iTunes.

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