Date Received: 2023-07-02
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I contacted Apple credit card on XX/XX/23. This is the date my statement balance of {$990.00} was due. I had a total balance of I {$1500.00}. I explained to an employee ( I still have all the messages in my text thread ) that I ran into a situation and that I needed about 2 weeks to pay my balance in full, and ask if they could waive ANY interest charges ( OR FEES ) since I had a good relationship with them. The minimum payment was {$25.00} and I specifically asked if I only paid that, would I have to pay ANY interest and they said NO, because I was gon na pay the full balance off within 2 weeks. I paid the {$25.00} ( and they didn't credit my account ) and the next day they started charging interest to my account, after I got a clear reply that they 'would n't ''. I feel like this was exploitation. One of the reps did file an internal complaint on my behalf but because I was already given bad information I feel its best if I get a third party involved. This isn't about Apple or Golden Sachs policies on interest, this is about the conversation I had with an employee. Because I was given specific answers to specific questions, I feel that should be honored, regardless of who I speak with in the company after that. Now my account is accumulating interest everyday. Had I been told that when I asked, I would have figured out another way to pay the balance off in full on the due date,
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged {$15.00} for trailing interests in XX/XX/XXXX, for paying my bill late by 2 hourseven after they charged me {$30.00} in interest in XXXX! Going back on my charges, I saw they did the same thing in XX/XX/XXXX. They charged me interest in XX/XX/XXXX XXXX XX/XX/XXXX, for a bill I paid off. When I mentioned this to the representative they said they couldnt help me because I had paid it off.
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Late paymemt/missed payment and closed account was reported on my credit report during the Covid-19 Pandemic. I had difficulty keeping up with the payment due to being laid off from my job to job. I have tried to find multiple job just from being laid off job to job due to the business closing and not need much workers.
Company Response:
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: This account was opened on XXXX 2022. There has been only XXXX purchases and XXXX payments. While I was setting up the payment information, I typed the wrong routing number. I contacted the company right away to let them know. Still the company try to do a collection which it did not go thru due to wrong account. To prevent my payments to be late I made a payment, with no difficulty since I had already straightened the problem. On XX/XX/2022 the statement is telling me I have a balance which is completely wrong as I had already paid more than it was due to bring the account to zero. I am still been charged for the first payment that was schedule that did not go thru. I have contacted the company XXXX times. I have records with time and dates. XXXX of the times I have written to the company explaining the issue. I printed All the statements so they can see were the problem is, hoping they will go month by month as I have requested multiple times. I really need helped with this. Just getting aggravated when dealing with a huge company. Ready to send you more info. Thank you.
Company Response:
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account is reporting on my credit as late/missed payments when it was obviously fraudulent transactions on my account. Goldman Sachs investigated and helped me through the process by clearing the BALANCE due to fraudulent activity. Apple Card/ Goldman Sachs did NOT CORRECT the delinquency of payments on the account that was NOT connected to me!
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I purchased a wig as advertised on the website on XX/XX/23. The website stated the wig would ship within 21 business days. On. XX/XX/23 I requested a refund due to the wig not shipping when promised. On XX/XX/23 a shipping label was created. On XX/XX/23 the wig was dropped off at the post office to ship to me after my request for a refund was ignored. On. XX/XX/23 I received a damaged wig. I immediately contacted XXXX XXXX via email and was ignored until XX/XX/23. A return shipping label was emailed to me. I placed the wig in the mail to be returned to XXXX. XXXX has confirmed the wig to be damaged and has confirmed that the wig has been delivered and is refusing to provide a refund. I initially disputed with apple and they closed the dispute advising that the money was refunded. After discovering that the funds were in fact not refunded they reopened the dispute. Forced me to wait 90 days only to close the dispute again saying the merchant did not provide a damaged item. I provided them pictures of the damaged item. Proof that the item was returned to the merchant and proof that the merchant received the item and has refused to refund me. Apple/Goldman SACHS allegedly investigated but the merchant has not shown proof that I was provided with a refund after receiving the item back into their possession. This experience has been THE WORST experience I have ever had with a bank and once this is resolved I will be closing this account for good. Unfortunately, I do not have {$600.00} to throw away because apple and Goldman Sachs does not want to do their job and due diligence.
Company Response:
State: TX
Zip: 75211
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have an XXXX credit card. Months ago I was advised that I was being charged from a gym every month and I tried to stop my account with them but they keep charging me. I disputed the charges and XXXX said charges are legit and the only way to stop the gym from using my card is to replace my card with a new card number, which I did. This month I was charged again. I advised XXXX credit card about that and asked them how can a company still use my credit card to charge me when they dont have the new card number. They couldnt explain how and said via text message that somehow the gym got my new card number, which only I know and I have absolutely not provided to them as thats the whole reason why I changed my card number, per XXXX credit card advise. At this point they are telling me they can not help me and refuse to refund the money and to block any further unauthorized companies to charge my credit card, or to explain how it is possible for a company to charge my card without anyone providing them with my account card number. XXXX is at fault here for not protecting my account and my personal information and also refusing to refund the charges.
Company Response:
State: FL
Zip: 32779
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2023 I attempted to activate a monitoring subscription with XXXX Reveal for a security camera purchased by my husband, XXXX XXXX XXXX XXXX. The service did mot work. After contacting XXXX technical support who was unable to resolve the issue, I advised them that I wanted to cancel the same day for unsatisfactory and non performance of service. The XXXX XXXX sounded evasive so in addition to notifying XXXX, I also attempted to dispute the transaction for {$120.00} that was pending on my Goldman Sacs Apple Credit Card. This too occurred on XX/XX/XXXX. The Goldman Sac 's employee identified himself as XXXX and advised that since the transaction only showed pending, he would have to wait to see if an actual charge was billed. My card was charged and a provisional credit was issued on XX/XX/2023. On XX/XX/2023 the charge was put back on my card. I called Goldman XXXX that same day and disputed the charge again. A temporary credit was again issued only to be placed back on my card today. The camera was stolen and I have provided proof to Goldman Sacs that XXXX provided no services to me other than to scam senior citizens. Too, I believe that employees of Goldman may be involved in this scam because on their so called investigative report for this incidence, it clearly indicates that the subscription was activated and deactivated the same day. Our home alarm had been breached twice while we were away for XXXX treatment. We were attempting to get XXXX outdoor camera to identify the responsible party ( XXXX ) but the service did not work. XXXX promoted and advertised the service with the XXXX camera purchased from XXXX XXXX XXXX. Goldman Sacs placed this disputed charge back on my card today, XX/XX/2023.
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Hello, I placed an order for a product in XXXX and it never arrived and I placed a dispute to my Goldman Sachs credit card and Ive been denied 3 times in this dispute, I have records of the company being unresponsive and leaving me with no answer yet they sided with the vendor. Its very frustrating I hope to see if this can resolve anything.
Company Response:
State: CA
Zip: 91762
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: The summary of this complaint is about the troubling experience that I am having with the Goldman Sachs administered Apple credit card. It raises questions about systemic problems about Goldman Sachs account management practices, which are negatively impacting consumers like me. On XX/XX/2023, Goldman Sachs restricted me from making any purchases on my Apple credit card. There was no notification via email, text message, call or mail to let me know that has occurred. The only reason why I became aware of the situation was when I tried to use my Goldman Sachs administered Apple credit card to make a purchase. Based on my online searches, there are many people over the years who have run into similar situations, where Goldman Sachs essentially froze their Apple credit card and where it failed to provide any notification via email, text message, call or mail. Once I became aware of this issue, I contacted Goldman Sachs on XX/XX/2023, to find out what is going on. They stated that it was due to some security issue but that they could not provide me any information for security reasons. Such as what caused the issue or how long it would take to solve the issue. Over the past couple of weeks, I reached out to Goldman Sachs to find out what is going. According to my web searches, there are many others who have had the same experience. In all my years, I have never come across a company as incompetent as Goldman Sachs, in terms of their lack of transparency that they say is in the name of security. One of my XXXX devices was financed on a monthly basis that I put on the Goldman Sachs administered Apple credit card, not knowing of their reputation with such issues until my recent web searches to see if others have had the same type of issue. The response of Goldman Sachs is that they stated in the contract that it is essentially their right to freeze accounts indefinitely and that they are not required to provide me transparency. This is in violation of US Federal, State of XXXX XXXX ( where Goldman Sachs is based ) and State of XXXX ( where I am based ) consumer protection regulations. Goldman Sachs has failed to provide proper notice and it makes me wonder whether this is perhaps in retaliation for an application of refund for a XXXX XXXX that was less than {$12.00}, which I requested back in XX/XX/2023. Due to their lack of transparency and proper notice unlike other credit card companies, it is hard to know what is going on with the company and whether things have gotten out of control with the way they run their credit card business. As an Apple customer and shareholder, it is troubling to see what is going one with the Apple credit card under Goldman Sachs.
Company Response:
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A