Date Received: 2023-03-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The credit card in question is an Apple Credit Card that I keep getting late payments which have decreased my credit score. I have never had an Apple credit card or opened an Apple account. I have spoken with Goldman Sachs who underwrites the Apple card and have informed them of this issue, they stated a manager would review this matter and contact me.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report and seen an account that doesn't belong to me. It says " APPLE CARD-GS BANK ''. I never applied for this card or had this card ever in my life.I don't know who has my information and I am stressed out! I need this removed from my credit reports immediately!!!!
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone opened a Marcus by Goldman Sachs Credit Card for XXXX XXXX XXXX using my Middle name as my first name and all other stolen information. On or about XX/XX/XXXX I began receiving emails about me getting my new credit card soon. I didn't pay much attention because I assumed it was some kind of advertisement and/or scam email? I kept getting emails about approval of card and my credit limit. That's when I checked with XXXX XXXX to see if anything was on my credit reports. Sure enough, there it was. I contacted the credit card company directly on or about XX/XX/XXXX? I explained to them the situation and they went ahead and restricted the card. About that time I even received a gift from the Jewelry Store, which I immediately returned. I was told that they would investigate the situation and get back to me with 10 days ... which they never did. After receiving a " billing statement '' in the mail from CC company I called them again and discovered that they did not do anything except put a freeze on the CC. This was on XX/XX/XXXX. I gave them all the info over again and they said they would resolve within 10 days. At this time they also informed me of other attempts to use my info for other CC, s. Now I see that the balance due was reported to the credit bureaus and my scores have dropped XXXX points. Previous to this I did place a restriction on any credit inquiries for all 3 credit bureas shortly after my first discussion with CC company back in late XX/XX/XXXX. They told me to also contact you as well but I did not up until now after seeing what is happening with my credit scores? Please help me with the situation..? Thanks XXXX XXXX
Company Response:
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment on XX/XX/XXXX to Goldman Sachs XXXX Apple Card for the amount of $ XXXX. The amount was deducted from my account via ACH debit immediately. On XX/XX/XXXX I needed to place a charge on the card and to my supposed it was declined. After calling the bank they told me the payment that large they are going to hold it for 14 days till after XX/XX/XXXX. I told the supervisor I needed either the balance or the money back so I can apply the funds to the needed transaction. The supervisor said the fastest way is to just cancel the payment and I will get the money back in my account in 1-2 days. 6 days gone by I still have not received the refund. I startede inquiring about my payment on XX/XX/XXXX and I was given the run around either the representative doesn't know or has no access. I ask for the case to be escalated and through another supervise still only offer " we dont know '' " we have no idea '' " we can't reach any one else '' " we have no way of transfer to the department ''. On XX/XX/XXXX? XXXX a executive representative called me in the morning and said he will find out and fix the issue with their processing department. He also said he will call me back by the end of the day. of course he DID NOT call me. 3 days later on XXXX. I placed a call in the XXXX and as usual the representative said " I dont have any additional info '' and they will submit the request for the executive representative to reach out to me. It is at the end of the business day. I place another call and spoke to two representatives and I am still getting the same " we do not know '' " we can't tell '' " we have no idea '' " We can't guaranteed any one would get back to you for up to 10 business days ''. This is how this bank treats you after loosing $ XXXX of mine which I needed to pay a very important payment. On my last call of the day I demanded answer and I still dont have my money back in my account, This is literally the most appalling banking experience I have ever endure my entire life and I have many many accounts. They have ZERO urgency and knowledge while trying to either blame others or said they dont know. They have also spoke to my bank on conference to confirm the money left my account and was never returned.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
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: The tickets XXXX sold me did not work at XXXX XXXX. XXXX XXXX tried scanning them and they showed refunded prior to the day I purchased/tried to use them. I had XXXX XXXX management check to make sure this was correct and they researched the tickets thru their system and it indeed showed they were refunded prior. Meaning XXXX sold me tickets that were invalid the day they were bought. I had to rebuy tickets thru XXXX XXXX directly and suffered wasted time of over 1 hour plus extra costs incurred by their higher pricing compared to XXXX prices. The XXXX XXXX XXXX told me they may have been refunded prior as they were over a year and a half old as XXXX company purchased them on XX/XX/2021. He said after a year tickets can become inactive. I contact XXXX multiple times to resolve the issue and even sent XXXX ( XXXX from XXXX ) an email detailing the events with photos of the managers screen from XXXX XXXX showing the tickets as inactive ( not working ). I called numerous times and each time the manager does not return my calls. I filed a chargeback thru Goldman Sachs ( Apple Card ) but it was awarded in XXXX favor. I have proof of tickets being inactive and proof of my repurchase of tickets direct from sea world the same day for my family to actually be able to enter the park. I haves filed another chargeback thru Goldman Sachs and have again tried to contact XXXX but they do not answer. I have been duped out of {$310.00} by this XXXX company selling fraudulent tickets. Attached is the photo of the managers screen showing tickets inactive and also attached are my 4 tickets bought directly from XXXX right after the manager told me my tickets from XXXX were worthless.
Company Response:
State: PA
Zip: 18104
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
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/2022, I received a call from apple credit card ( the caller Id was their number ). They told me I had a purchase done in XXXX. I told them it was not me. They sent me a log in but it was to steal my Apple XXXX and card. But it was a scam. They made a XXXX purchase in a Apple Store in New York. After I hanged up the call I call back that is when I notice it was a fraud. They did a dispute it does not go under my favor. They dont tell me the reason. No answers just. That they can create another dispute. This is a off and on since XX/XX/2022. I live in XXXX, tn this happen in New York. I have proof I worked that day. I dont know what to do
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
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/22 I received my order from The XXXX XXXX which costed {$210.00}. The order was for 2 live saltwater fish, which were deceased on arrival. I proceeded to file a claim with the merchant and asked them to just resend the order. They did not respond and instead sent a store credit which can only be used at their website. The two fish that I had originally purchased were no longer in stock and I was stuck with the {$210.00} charge. This is when I proceeded with a billing dispute with my Apple Card ( Goldman Sachs ). I sent them all my email transcripts, pictures of the fish, and email with the store credit. They ruled in favor of the merchant the first time and still did after two appeals and talking to a supervisor. I explained to them that the original product I purchased cant be purchased because its out of stock, it still is today, but they rule in favor of the merchant because they refunded me in the form of a gift card that can only be used at their website. There is nothing stopping this merchant from sending damaged goods and then only offering a refund in the form of store credit to be used with them. I told Goldman Sachs this in the latest appeal and today they ruled in favor of the merchant again. I have looked at XXXX website over and over trying to see if the fish were in stock so I could get this dispute over with but they are never in stock.
Company Response:
State: MI
Zip: 49507
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: PLEASE MAKE THIS INFORMATION PUBLIC. False Advertisement by Apple Card. I bought two XXXX XXXX and was double charged. I bought two XXXX XXXX tickets and was charged for Three tickets. Several unsuccessful attempts had been made. Apple Card only act with the intervention of CFPB. Apple Card promised a 3 % cash back. Where is my 3 % cash back. My Apple Card account is unilaterally closed.
Company Response:
State: MN
Zip: 55414
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
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 was victim of identity theft, on XX/XX/2022, and the charges were disputed and ruled in my favor. The controller of Apple Credit Card, needs to do an administrative entry to get my balance to be XXXX dollars, instead of {$2800.00}. Ive called over 30 times in past 8 months, yet nothing gets done. Everyone just sends an email. App, e credit card has shown no sense of urgency to resolve the issue, and my credit score went from XXXX to XXXX, marginal. I cant move because I will not qualify for a place to live with this credit score. I am desperate for you to fine them for inaccurate reporting, or I will be homeless. Thank you for your help.
Company Response:
State: OR
Zip: 97404
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 95336
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A