Date Received: 2023-05-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Since XX/XX/2022 I have consistently contacted XXXX and XXXX via telephone and written letters regarding unauthorized reporting on my credit report without my written consent that has violated my protected consumer rights. I have also contacted XXXX and XXXX XXXX XXXX inform them of this violation as well with no resolution. Neither one of the listed establishments were able to validate the reported accounts that included my wet signed sealed signature to confirm a contract. Rather than removing the violating information from my credit report, XXXX and XXXX closed the accounts. Furthermore, this inaccurate and unauthorized information remains on my recent credit report. There was no permissible purpose for the reported accounts and these accounts should not be furnished on my consumer report as they are in violation under 15 US Code 1681b and 15 U.S. Code 1681c-2.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022, I became aware of a fraudulent transaction that happened on my account on XX/XX/2022 ( the day before ), in the amount of {$450.00} by a company called XXXX XXXX, XXXX ( hereafter XXXX XXXX ). After learning of this, I immediately filed a dispute for the transaction. I contacted XXXX XXXX to see why there was a charge to my account, and he explained to me the situation that had been happening to him recently, as his attached letter details. His merchant account was hacked and his information changed so that he could not log in or access his account any longer. I contacted Goldman Sach's/Apple Card Support to file the dispute and see what I needed to do, and I walked through all the steps involved ( i.e. changing my password, removing and re-adding the card to my phone, etc. ). But several days later, more charges. After contacting them again, and again following their advice, the next day another charge happened. This time, after contacting them, they turned Apple Pay off, and that finally stopped the fraud. Below are the fraudulent charge dates, merchant name, and amounts. The first three have been resolved in my favor, but the last three, Apple/Goldman Sach 's is claiming that I made these charges. As the two attached letters document, I did not. XX/XX/2022 : XXXX XXXX ; {$450.00} ( RESOLVED ) XX/XX/2022 : XXXX XXXX ; {$450.00} ( RESOLVED ) XX/XX/2022 : XXXX ; {$300.00} ( RESOLVED ) XX/XX/2022 : XXXX XXXX ; {$4000.00}, case # : XXXX XX/XX/2022 : XXXX ; {$2000.00}, case # : XXXX XX/XX/2022 : Olutions ; {$5000.00}, case # : XXXX I filed this case once already but it was marked closed and I got a letter saying they suspected my filing was fraudulent? I don't know why. This is still unresolved.
Company Response:
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 I opened an Apple Savings Account and linked an external bank account ( XXXX ) to fund the Apple Savings Account in the amount of {$160000.00} USD. On XX/XX/2023 I withdrew {$5000.00} USD back to the funding account, leaving a balance of {$160000.00} in Apple Savings. On XX/XX/XXXX an interest payment was added to the balance in the amount of {$210.00}. The current balance of the account was now {$160000.00}. I made the decision to move this full amount into another bank ( XXXX ) that provided a higher yield XXXX vs XXXX. The new savings account was opened XX/XX/XXXX and they deposited micro deposits to verify my ownership of the Apple Savings prior to moving the funds. After verifying, the new higher yield savings account ( XXXX ) attempted to fund the account the balance {$160000.00} which resulted in Apple locking my Apple Savings account. I contacted Apple Savings and they said they were unable to process this transfer and that I would only be able to withdraw all funds back to my original account that funded my Apple Savings ( XXXX ). Apple Savings unblocked my account and I was able to submit a request to withdraw my funds. I processed this withdrawal request on XX/XX/2023. The Apple Savings account immediately went to a {$0.00} balance. Since the withdrawal request, I now randomly get notifications from Apple Savings saying my account has been locked/restricted which require me to be on hold for hours a time, being passed off from agent to agent while they investigate with no real explanation as to why my account is being locked. As far as Apple Savings is concerned per my last call on XX/XX/XXXX, the money from the XX/XX/XXXX withdrawal request has left their system. It's now XX/XX/XXXX and the receiving bank ( XXXX ) still sees no trace of the ACH being sent from Apple Savings ( I contacted them to verify ). So now I'm stuck with no access to my $ XXXX which is in limbo, with no interest being accrued.
Company Response:
State: CT
Zip: 06033
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There are several collections on my account, that I didnt give consent nor did I ever have an original account with. I havent had a credit card in 6 years yet my credit report says different
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Failed several attempts to rectify this issue, finally last week I got statements of Apple. Was able to dispute some charges, unable to make a payment a mail in payment was made to Apple. Two times and as of today they have not, yet credit me and they keep on reporting me. Their promises to fix this issue are null.
Company Response:
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: XXXX XXXX I never signed the contract. The amount was {$26000.00} year was XX/XX/2018 The company XXXX never verified my identification I never signed the contract. And I still owe {$25000.00} the loan never goes down could you please investigate that for me? I dont think it was correct with the way they did. Thank you, XXXX.
Company Response:
State: CA
Zip: 95337
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
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 child made in app purchases of XXXX, totaling XXXX after taxes on Sunday XX/XX/XXXX 8 times in a row on XXXX, then another XXXX was charged on XX/XX/XXXX ( after I already disputed the other charges ) while my child was in school, his iPad was taken away from him, and he had no access to any electronics for a total of XXXX. I asked him about this and he finally told me that while at his fathers for the weekend, a friend of his fathers son, who is a couple years older than my son played on his account on his iPad, and this child made the purchases. This happened a few wks prior as well, for the same amount 5 times in a row. For a total of XXXX, which I disputed WHILE the purchase was still pending, the Apple rep I spoke with told me she would cancel it and I would not be charged, my refund request was denied and I was ultimately charged by Apple. When I called I was told they could not do anything about it, and to dispute it with my credit card company. They did not offer any resolution on how to make changes to the accounts where this would not happen again. This DID happened again, 2-3 wks later. Again on a weekend my son was with his father. But, AFTER I had set up in app purchase ask to buy which would send me a text that allowed me to approve or deny purchases. Somehow my child was still able to make purchases. I disputed the first charges of XXXX on Saturday XX/XX/XXXX through my XXXX XXXX XXXX XXXX card which was charged, they did not send me any paperwork asking for further information from me at all. Ultimately I was charged due to Confirmation showing no cancellation per policy was received, for XXXX, and 2 out of 5 charges have been added back to my account as of today XX/XX/XXXX. I removed all payment forms from my Apple account to avoid this in the future. Daily Cash credit you receive from spending with your Apple Card, you CAN NOT remove from your account, so my son spent all that as well. The second purchase was made through my Apple credit card. Which I had to add back to my account to pay for my subway ride to work. Both Apple and the Apple credit card denied all but 1 charge. The charge made at XXXXXXXX XXXX on XXXX it must have shown it was Made from a different device. My child is an XXXX XXXX XXXX with XXXX XXXX. He was not authorized to make purchases by me, I did not approve the request, and anybody looking at the charges ( the amounts and made several times in a row ) can make an obvious observation that no parent approved {$1500.00} in charges for an online game. My son is not mentally capable of understanding the concept of how much money was spent. Due to being XXXX XXXX XXXX, but also due to being XXXX. The XXXX purchases were either transferred or and items purchased with them transferred within the game to this other child. Besides Apple already having a class action lawsuit due to this exact issue, the enormous amount of complaints you can look up on any forum due to this exact issue, my sons XXXX account has been disabled, meaning I am being forced to pay a crazy amount of money for an account that cant be accessed, my son did not receive items or XXXX that I am paying for, How can this even be okay??? for a minor special needs child to be held responsible for making purchases he was not authorized to make and that he did not gain from. Is that not the definition of FRAUD!?? Apple had no part in stopping them from happening after even several disputes and complaints. XXXX XXXXXXXX gave me the reason for not removing charges as no proof of account cancellation. What account? My Apple account? Or the XXXX account, which has been disabled, but they never sent me anything asking me about it.. Apple refunded me for 1 charge of XXXX, I did not receive any reasons for why or why not. I think that shows If the last charge for XXXX was found to be fraudulent, ( the only 1 that was made alone at XXXXXXXX XXXX on a Tuesday out of a total of 14 charges for XXXX ) that the other 8 made on XX/XX/XXXX 8 times in a row only weeks after I disputed 5 charges of XXXX 5 times in a row while still pending AND made from an XXXX XXXX XXXX iCloud account, ( which Im pretty sure an XXXX XXXX XXXX is not even allowed to authorize purchases, I know I never gave my permission ) those charges are ALL fraudulent!!!! XXXX XXXX, Apple, and Apple credit card services are disgusting and immoral that they make all parents like us, who spend enough money on Apple each month/year! Pay for charges so unauthorized even a blind bat can see from outer space! O, and I finally found a way where I can make purchases on my own account without my children having access to do so. With NO HELP FROM APPLE.
Company Response:
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My complaint is against Apple Credit Card/ Goldman Sachs XXXX I was checking my credit report and found an fraudulent account from Apple Credit Card.I immediately opened a dispute with credit bureaus and sent in FTC report then in-called the creditor to report account as fraud. They only could find my account with my social security number and date of birth and address and other information were incorrect so i asked to do investigation.I also sent them copy of FTC report and checked by tracking number and they received it.The account with the balance around XXXX $ is still on my credit report affecting my credit. It lowered my credit score to XXXX which resulted other banks lowering or closing my existing credit cards.
Company Response:
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a savings account with Apple Savings using Goldman Sacs. I deposited {$49000.00} on XX/XX/XXXX. I then tried to withdraw {$11000.00} on XX/XX/XXXX as they advertised that you can do unlimited deposits and withdrawals unlike other banks. Then it had been 3 days and I did not receive it, I reached out and they sent me a rude note saying that I should read the XXXX XXXX XXXX as they have 5 days. I wrote to them that I will no longer use them as it says 1-3 days for the funds to be sent. I then requested the remaining {$38000.00}. They then declined the withdrawals and when I call they say they can not help me and that I need to wait for someone to call me. This is theft. Please help me get my funds back.
Company Response:
State: HI
Zip: 96734
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed on my consumer report that there was an Apple Card/GS Card USA that I never opened. I have submitted my theft affidavit and I need this account closed and removed because it is not my account.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A