Date Received: 2023-02-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My Apple Card, which is managed by Goldman Sachs, has been locked and I was told it was due to a high balance on XX/XX/XXXX. I was told by a representative that I have to pay down my balance and it will allow my card to work again. On XX/XX/XXXX I reached out again as my card had not been able to make charges since lowering the balance. I was told that my account was under review and they would not give me a date that the review would be complete. On XX/XX/XXXX I reached out to Goldman Sachs/Apple Card support again just to get a time frame of the review and they had advised XXXX days someone would reach out to me. I never heard back so I reached out again on XX/XX/XXXX. I was told the card would be active on XX/XX/XXXX. Reached out again on the XXXX and the XXXX as it still was not active and was told the card is under review and that there is no timeframe. I filed a complaint with Apple Card support and was told I would be contacted within XXXX days regarding my complaint and i still have not heard back.
Company Response:
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: On XX/XX/2023 XXXX XXXX accepted a levy filed from Goldman Sachs on the behalf of a Court Receiver. The account levy did not originate from the state in which the debt was owed. The loan origination was in Texas while the account was in California. They proceeded to take {$13000.00} from my parent 's savings account and created a hardship. furthermore, the account levied did not belong to me it belonged to my elderly parents. They opened a savings account in California for their retirement and added me to help them manage their account if needed. I do not contribute financially to this account in any way. I am solely on the account to assist my parents with their finances and this can be proven by the history of the account.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I wired {$1000.00} dollars from Marcus by Goldman Sachs on XX/XX/23 and Marcus deleted the wire and never sent it. The bank, XXXX, that was supposed to receive it sent me an email asking why Marcus kept refusing to send money. On XX/XX/23 I then sent an online transfer of {$900.00} dollars to XXXX from Marcus by Goldman Sachs. Instead of send the money this time, Marcus lists it as pending on their end but posted on my end when XXXX never processed the funds and listed them as returned, while Marcus listed them as pending. I then asked for my money to be put in a check and sent to me and they refused my request illegallyXXXX XXXX refused and returned all Marcus by Goldman Sachs Transactions . I am requesting a trace of the {$900.00} and a check be issued to me for those funds when recovered.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
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: purchase an item using XXXX/Goldman Sachs XXXX XXXX XXXX XXXX XXXX returned because it was defective charges continue after several calls to XXXX XXXX and Goldman Sachs XXXX
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Apple Card GS bank usa I wont close account opened XXXX XXXX XXXX balance XXXX
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Roughly about 6 to 8 months ago, I inquired and successfully was approved upon my submission of an application through major retailers store XXXX XXXX XXXX. I was approved for Apple Card offered through XXXX XXXX XXXX for qualifying customers upon meeting eligibility requirements. I did not authorize or pre-authorize any transactions or charges upon the opening of my account. Months later, I attempted to make a purchase using my Apple Card and associated Apple Card account. A few more months later, again I attempted to make another purchase and again my transaction was unsuccessful. I have reached out to Apple Card specialist and Apple Support teams and neither have been able to address the issue more so resolve my issue. The issuing bank 'Goldman Sachs ' disclosed to me that my account had been closed but did not specify the reason as to why it was closed. I did not authorize anyone on my behalf or on the behalf of the accountholder, which is a sole individual account, I am now trying to make a purchase for a product offered through XXXX XXXX XXXX for Academic Educational purposes. Any information you may inquire is solely at my discretion and I will be more than glad to provide any additional information. The problem is now I am trying to use my Apple Card to make a purchase but because of the unauthorized account closure, I have failed to proceed in making my transaction. My issue has not been resolved. I would appreciate any feedback or any solutions that the CFPB may offer or have on my behalf.
Company Response:
State: TX
Zip: 78218
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: During XX/XX/XXXX the company reported my account as a late payment which is affecting my XXXX XXXX. During that time the company approved me into the program for hardship during XXXX. The company did not follow the XXXX act and still reported my account as past due. I called before and had told me they would remove due to it being incorrectly reported. The company refuse to remove the late payment stated they sent me letters saying I wasn't approved which is not accurate. i am asking them to comply with the XXXX act to have the late payment removed for XX/XX/XXXX.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: Because they said me need to provide the XXXX card to make the transaction process up to end then all my provided XXXX they add to the money i received
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
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 received a text that appeared to come from the XXXX advising me that a package could not be delivered because a portion of my house number was missing. The link took me to what appeared to be the XXXX and a XXXX charge was requested to verify my identity. On XX/XX/2022, when someone asked if I had received a package from who I thought had made an error in my house number, I responded no, and showed them the text I got from XXXX. I clicked the link and a warning in red appeared indicating that it was a fraudulent phishing website. When I reviewed my credit card account there was no {$3.00} charge for XXXX, but instead XXXX charges for {$780.00} totaling {$1500.00} from the XXXX XXXX. I immediately notified Apple Card Goldman Sachs Bank USA and disputed the pending charges and requested that they immediately change my credit card number. I was told to watch transactions to see if they post, and if so, the dispute will initiate an investigation. On XX/XX/XXXX, I noticed a package on my porch which turned out to be an XXXX. I contacted XXXX as I knew this was related to the fraud. I was advised that XXXX iPads were delivered that day, XXXX to another address in XXXX, and the other one to mine. Representative stated the criminal likely planned to retrieve this package from outside my home, but did not since I was home. During the course of our conversation, the thief tried to make another {$510.00} charge on my credit card at XXXX XXXX but it was declined due to the account number being changed. The XXXX sales rep gave me the address where the second package was delivered and the email that was used. I requested a return label to return the package ( XXXX ) delivered to my home. The sales rep advised that he had changed the addresses on the web orders associated with these unauthorized purchases to prevent thief from receiving any additional information. He recommended that I contact the police since it is likely that someone had been observing my home to retrieve the package. I called the police and around XXXX, a deputy arrived and took a report. I then provided the police report number to Apple Card Goldman Sachs Bank USA. Today, I received XXXX emails from Apple Card Goldman Sachs Bank USA indicating that the investigation was complete and the merchant charge will remain on the account. XXXX stated : We reviewed available information which confirms that you authorized the purchase with the merchant. Upon review of my account, it now shows the XXXX transactions of {$780.00}. I called the credit card company, and they said they can send me a copy of the evidence used to make a decision. I spoke with XXXX XXXX and they reiterated that they can see on their end that the XXXX ID and email that were used when these unauthorized orders were placed were different than than what they have on file for me. They also reiterated that XXXX package was delivered to a different address, and there was an attempt to change the address of the XXXX that ultimately arrived at my home. XXXX stated that the evidence shows that I did NOT authorize charges. XXXX also stated that she could see that the process to generate a return label was started on XX/XX/XXXX, so she will complete process so that return label will be generated and sent to my email. I feel like I am speaking to a brick wall, as Apple Card Goldman Sachs Bank USA does not appear to be interested in performing a legitimate investigation. I am the victim and this company is victimizing me all over again even though I have done everything in my power to assist them in retrieving their property and locating the perpetrator.
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Dear Apple/GS Card ; I was shocked today when I reviewed my credit report and found late payment on the dates below : XXXX XXXX 30 DAYS ( DURING THE TIME I WAS HOSPITALIZED WITH XXXX? ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Company Response:
State: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A