Date Received: 2023-05-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Apple Card/GS Bank USA , I am writing to request the removal of a late payment from my account. My account number is XXXX and my name is XXXX XXXX. I want to start by saying that the Apple Card is my favorite credit card of them all, and I am looking forward to building a long-term relationship with your company. Unfortunately, I was laid off from my job which caused me to experience financial hardship. As a result, I was unable to make the payment on time. I am now in a better financial position and have a stable job that allows me to make payments on time. However, this late payment is affecting my credit score and preventing me from qualifying for a house for my family. The late payment is also preventing me from getting a home with a good interest rate. I am hoping to be the first person from my family to own a home, and this late payment is hindering me from achieving that goal. I understand that it was my responsibility to make the payment on time, but I hope that you can understand the circumstances that led to my inability to do so. I kindly request that you consider removing the late payment from my account. Thank you for your time and consideration. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was a victim of Identity theft. My name and SS number was used to open an account by Goldman Sacks Bank USA in XXXX of 2023. I got an alert on my credit score last month showing account past due for 60 days. I have called Goldman Sacks several time. They were unable to verify my account because my date of birth, email and phone numbers were all wrong in their system. I updated my information and asked for statement to be sent to me so I can see what is going on but they did not send any information. I also filed a complaint on XX/XX/2023 with specialist XXXX and never received a response. It was fraudulently opened and I am very frustrated as it affects my credit.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I closed my AppleCard that is issued by Goldman Sachs because Apole is denying me access to manage my account. I was locked out of my Appleid account when my ex-husband set up a recovery code and changed the 2-step verification phone number on my account without my knowledge of permission. This happened in XXXX of 2022 but he has been logged in and monitoring my activities for much longer, once again, without my knowledge or permission. He has since been impersonating me ( digitally ) and apple refuses to shut the account down. I have called them numerous times to try to resolve the issue but they always treat me like I am the criminal/identity thief. I still had the physical card and had to use it all the way to the credit limit because my ex has been financially abusive towards me. Apple let me make every charge in that card but will not give me access to make payments. That appleid had my entire life on it including years of photos of me and our XXXX kids. He knows everything about me such as social security number and all other information that identifies me. This knowledge, along with the photos, has granted him access to take over my entire life. I can not even get rental assistance because I believe he is also receiving this in my name. I am struggling immensely due to this and they refuse to help me. I did not want to close the card because I knew my credit would take a huge it but finally I broke down and clised it even though there is a {$2000.00} balance. Apple customer support assured me I this would completely shut the account ( the card, not the appleid ) down and I would then be able to set it up with my new appleid. I was not able to do this. It still said I have another account when I tried. I was then told I would not be able to so that until it is paid off and maybe not even then if I am niot approved due to a low credit score. This has been a complete nightmare for me. I do not understand how the credit card can not be untied from the stolen appleid. It is the same as if a physical credit card was stolen and all other credt card companies will immediately shut down a stolen credit card. Actually it is much worse because this account verifies my identity for any other online account. It is impossible that Apple does not realize how devastating this is so I feel they just so not care what happens to a single mother who is struggling simply because I have a measly little {$2000.00} credit limit. I am simply not worth their time. My time, on the other hand, is consumed by this. Time that I was unable to spend with my children as they are growing older. Time that I was unable to find and maintain work. Time that I will never get back. I just need a little help. Please.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
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: My Apple Card, which is a Goldman Sachs Mastercard, denied a refund claim for multiple duplicate charges by the same app within 45 minutes. XXXX XXXX XXXX XXXX XXXXXXXX made multiple duplicate charges to my Apple Pay on two occasions now.The first time was on XX/XX/XXXX in which five charges of {$1.00} was charged on my account the same day for their in-app purchase XXXX XXXX XXXX. Unfortunately, I did not see all of the charges in time ( my daughter made them on a shared Family Plan ) and didnt notice before the money was taken from my account. Last week, on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX charged XXXX for in-app purchase XXXX XXXX XXXX, six times in a row from XXXX XXXX to XXXX XXXX. It also charged in-app purchase XXXX XXXX XXXX to my account twice for XXXX contacted Apple / Apple Card when I noticed the charges the next day, and tried to dispute them. I reached out for help the only way Apple allowed, through my iPhone wallet, to dispute the charges. An apple support rep via chat verified that we had been fraudulently charged multiple times and made a refund request for the extra charges. My daughter promptly deleted the entire app from her device, believing the app XXXX XXXX XXXX XXXX XXXXXXXX to be fraudulent since theyve done this twice now. Both the refund request and the denial review were denied within days. Though two different online Apple support agents agreed that the charges from the game app from the Apple App Store were duplicated many times in error ( or fraudulently ) on two occasions by the same app, their final response was I exhausted all of my options for you. I went ahead and submitted a refund request, however, it was declined. I am so sorry for any inconvenience. Although we're not able to issue a refund for these purchases, I recommend trying with the developer to see if they have any concessions they can provide to make up for the issues. I asked if it was Apple or Apple Card declining to help me and he said both and stated I have checked that with the Apple Card department they will tell you the same, that the charges were ineligible for a refund, however I have one option to help you in this situation. Since the refund was denied from our side, in this case you can go and dispute the charges with your bank, just take in consideration that your account will be disabled and you will have to add another payment method. The app developers app support link leads to an error page stating it does not exist and their blog says any app refunds must be handled by Apple Support. I emailed the developer XXXX / XXXX XXXX, but no response has come after an automated response. So, basically theyre just pointing to each other while stating that Im not getting any of my money back. This is both fraud and theft and Apple Cards site clearly states : Have peace of mind knowing that the financial institution that issued your Mastercard won't hold you responsible for unauthorized transactions. As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions. As a cardholder, you will not be held responsible for unauthorized transactions if : You have used reasonable care in protecting your card from loss or theft ; and You promptly reported loss or theft to your financial institution. If you believe there has been unauthorized use of your account and you meet the conditions above, rest easy knowing you have the protection of Mastercards Zero Liability promise. How am I supposed to get a refund if Apple wont help me and this app seems to have no support for its customers? This app in one day on XX/XX/XXXX charged {$130.00} to my account, is there no one that will help me fix this issue?
Company Response:
State: FL
Zip: 34203
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a Apple Saving Account which is backed by Goldman Sachs. I deposited a total of XXXX into my account on XX/XX/17. On XXXX ( almost a month later ) I initiated an ACH to my personal banking account ( XXXX XXXX XXXX XXXX I was told the XXXX would take XXXX business days. After speaking to multiple people I called back in on XXXX and was told my initial funds of XXXX had not been verified and my withdrawal to PNC was being sent back to Goldman. As you can imagine I am very upset with this. This is 100 % legit my money and it shouldn't take a month to verify my funds. Goldman has not been able to provide me when my funds will be verified, even though I see the total savings on my apple savings and have even accrued interested from Goldman.
Company Response:
State: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I havent received or accrued any cash back in 3 months and two weeks. I have called and emailed multiple times with no resolve. They confirmed last time I accrued cash back was XX/XX/23
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Ok I am totally done with Goldman Sachs and there lies! I have a ton of evidence against them and I know I have won XXXX disputes out XXXX disputes and there are still XXXX disputes left which I have just won XXXX of them for {$100.00} and today received an email losing XXXX for XXXX which I am re-disputing. I also know they owe me over {$10000.00} dollars and will not reimburse me for this amount. Truce is off my enemy.I gave you the benefit of cashing out on what you owe me and you continue to want more. Not only was the dispute that I lost, you never asked for any evidence and you charged me for more than the transaction. I have enclosed all of this to lay your lying eyes on! You are a XXXX bank who I guess is going under so you charge your customers more to make up for all your losses. Well I am done with you and want to be really done with you! Knew if I gave you some rope you would hang yourself and you did. I am sick of you saying our bank records are right and thank you for letting us address this. Well your bank records are not right and addressing the problem is not your forte! All you do is tell lies! I dont even know what you can do to fix this problem! Being honest would be the first step. Paying your debts would be the second step! Treating your customers with respect could be the next step! I had to get my own audit because you are so lame and crooked that you wouldnt do it because you knew I was right. Pay up what you owe your customers!!
Company Response:
State: IN
Zip: 478XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I applied for a debt consolidation loan with XXXX XXXXXXXX in the amount of $ XXXX. XXXX XXXX applied the money yo my Apple Card through Goldman Sachs. I contacted Goldman Sachs and requested the money be transferred into my personal banking account with XXXX XXXX. I was told it would take 10 business days. After the 10 days expired I contacted them again. I was told the request was under review and I had to wait 10 days. I waited and still my request had not been handled. I contacted Goldman Sachs a third time spoke with a supervisor who said the request had been canceled for some reason. The supervisor said she would put the request in again and it should take 7 business days. Still nothing! I contacted them again and was told the matter was under review due to the amount and making sure no fraud was involved, i was given another 7 day timeframe and told the matter had been escalated. I contacted XXXX to see if they would contact Goldman Sachs on my behalf. They gave me a number to provide to Goldman Sachs for them to call which, I provided. I still have not been able to get my request resolved and have been getting the runaround and XXXX poor service from Goldman Sachs. Since they refuse to give me my money do they have to pay me interest on my credit on the Apple Card? Please HELP.
Company Response:
State: CA
Zip: 95624
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dear CFPB, I am writing to file a complaint against Goldman Sachs regarding their arrogant, unreasonable, and unlawful practices regarding my credit card and saving account. Recently, I applied for a Goldman Sachs credit card through Apple and also opened a saving account. When I attempted to withdraw cash back from this card, I discovered that the card was issued in the name of XXXX XXXX, while my legal name, as stated on all my identification documents and XXXX XXXX records, is XXXX XXXX. Consequently, I am unable to make withdrawals. I have made numerous attempts to contact Goldman Sachs to resolve this issue, but they continuously transfer me from one customer service representative to another. I explicitly pointed out that the problem lies with Goldman Sachs using a name that has no legal basis to open my bank account. I spent a considerable amount of time proving this by calling my bank, XXXX. I fail to understand why Goldman Sachs can not simply change the name on my credit card to my legal name. When I was transferred to another bank representative, they informed me that if I wanted to change the name, I would need to provide court documents as proof. I am utterly perplexed. It is clear that Goldman Sachs made the error in my name, yet they expect me to provide court evidence. All my legal documents, such as my U.S. driver 's license and Social Security Number, bear the name XXXX XXXX. How can I provide court evidence to change my name to XXXX XXXX? The actions of this bank are not only arrogant but also illegal. They have allowed me to deposit money into an account with a name that lacks any legal supporting documentation. Furthermore, they unreasonably demand that I provide court documents. I urge the relevant authorities to closely monitor Goldman Sachs. They attract funds with high interest rates of 4.15 % while maintaining chaotic management. Such circumstances often lead to misappropriation of funds. For the safety of the U.S. financial system and the security of all small clients, it is crucial to expose this menace. Thank you. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Apple Pay restricted my account without any reason, contacted them to verify my identity and even after verifying my identity they told me they closed it permanently and couldnt tell me why
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A