Date Received: 2023-02-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 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: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I HAVE JUST NOTICE ON MY CREDIT REPORT INACCURATE CREDIT CARD CHARGED OFF ACCOUNTS ON MY CREDIT REPORT I WOULD LIKE THIS ACCOUNT TO BE REMOVED AND DELETED OFF OF MY CONSUMER REPORTS THIS IS A FRUAD ACCOUNT PLEASE REMOVE THANK YOU
Company Response:
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I accordance of the Fair Credit Act this creditor, XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX has violated my rights under 15 USC section 602, states I have the rights to privacy. 15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 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: WA
Zip: 98032
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Apple Card has closed my account without any knowledge and without my permission without wanting to disclose any reason for closing my account. I have contacted Apple card and the agent has been unable to assist.
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: GOLDMANSACHS acces my XXXX consumer report without my auhtorization. I never gave this company authorization to access both XXXX XXXX consumer report. I also send a notice of dispute for unauthorized credit inquiry through mail.
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
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: Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint regarding a transaction dispute with Goldman Sachs, the issuer of my Apple Card. On XX/XX/2022, I attempted to make a purchase in the amount of {$430.00} at the XXXX XXXX store using my XXXX XXXX. However, the transaction was unsuccessful, and I had to use another credit card to complete the purchase. Afterward, I noticed an erroneous charge of {$44.00} on my Apple Card statement, which was clearly an incorrect amount, given the applicable 8.125 % sales tax rate. Upon contacting the store manager, I provided them with the purchase receipt, which was automatically emailed to me at the time of purchase, to highlight the issue. The manager acknowledged the error and promised to forward the receipt to the Sales Audit Team for prompt resolution. Despite these efforts, Goldman Sachs failed to locate the receipt and deemed it insufficient to resolve the dispute. Moreover, they demanded additional proof from me, even though I had already provided the only evidence available to me. They did not even request the store to provide the receipt for the {$44.00} transaction, which would have been a logical first step in addressing the dispute. I am writing to request your assistance in this matter, as I have been unfairly burdened with proving the non-existence of a transaction that I did not authorize or make. This request for additional documentation is unreasonable and places an undue burden on me as the customer. I trust that you will look into this matter and ensure that I receive a fair resolution to this dispute. Sincerely,
Company Response:
State: CA
Zip: 94061
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Other service problem
Subissue:
Consumer Complaint: I have a balance within my Apple Wallet ( Apple XXXX Balance ) but am unsure of how to use this to pay my Apple Card balance down or use online at websites like XXXX, XXXX XXXX XXXX XXXX has made it very hard to apply Apple XXXX balance towards Apple Cash Card, or GS Apple Card
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XXXX XXXX on XX/XX/XXXX. $ $ cleared my checking XX/XX/XXXX. Its XX/XX/XXXX and credit has not been restored. They say XX/XX/XXXX some XXXX days AFTER they had my $ $
Company Response:
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have tried to apply for the Apple Credit Card, My XXXX XXXX XXXX, and My XXXX XXXX XXXX XXXX for over a year now. Every time I applied they asked me for my ID and then the application get declined they think is a fraud but is not. In the last email, they told me that they were unable to verify your identification information. I don't understand what's going on with Goldman Sachs that is always some XXXX. When I call sometimes they can't even see my applications. They are not telling me what's going on, they don't send me a letter in the mail either. My last application was on XX/XX/23 and after I applied I call several times to make sure they received everything and the pictures of my ID are clear and they told me yes everything is fine XXXX.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I'm writing to ask how my Apple Cash account is doing. on XX/XX/2023 I was informed that my account had been disabled and was presently being reviewed when I attempted to log in. The notice warned that the review procedure might take up to two business days to complete. In order to access my cash, I would want to request that my account be unlocked as soon as possible. I haven't previously heard from the bank about any issues with my account. As a result, I'm not sure why my account was first locked. I want to utilize my Apple Cash money right now, therefore I'm hoping you can help me out very away. If you need me to offer any extra details so that the review process may go more smoothly, kindly let me know. I appreciate your help and time. It's XXXX for my apple id.
Company Response:
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A