Date Received: 2023-01-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX I checked my credit score and saw that my score had dropped significantly. After reading into my score, I saw that there was an account present that I did not open. And there was a charge of {$1000.00} to that account. I called the bank where that account was opened and explained that it was not me that opened the account. So, the fraud department at that bank told me that they closed the account, but I would have to file a fraud alert on the three major credit bureaus and then file a police report on Identitytheft.gov. Finally, I would have to send all this information into the bank in order to have the charge reversed and my credit cleared.
Company Response:
State: AZ
Zip: 85029
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened an apple credit card to purchase a new XXXX computer. The day after purchase I returned the laptop unopened. The store gave a full refund to the credit card, and I purchased a new laptop in cash. XXXX months later i get a ding on my credit report for not paying off my apple credit card - even though the balance was {$0.00}. I called goldman/apple and they informed me i received apple cash back, which was charged to the credit card when i returned the computer. No notice from apple this would occur. When i called to dispute the transaction, they said it would be denied, as this is how the card works. Companies should not be able to ding your credit because they charged a payment for a reward you did not intend to use. Especially without disclosing.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit is to low due to some unpaid accounts when I have not opened any credit cards at all and I noticed this because I've been trying to apply for credit cards for first time and all have not approved me at all due to those accounts opened with my credit and personal information.
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On several occasions within the past month I have applied for the apple credit card issued by goldman sachs. I have applied directly on my phone as well as on the XXXX website both applications were denied not for my credit but instead denied stating they were unable to verify my identity. I find this to be very odd seeing as I provided them with my date of birth as well as social security. I contacted apple technical support as well as apple card support specialists as the denied letter advised me to do. When I informed them of what the denial letter stated and I offered to fax them copies of my ID and SSN to verify my identity they stated that they were unable to accept it and that " if I just waited a while '' before applying again that I should no longer receive this message. I can not understand why a company with such technological advances such as apple can not provide me with a finite way to verify my identity so that I may apply for the apple card and possibly get approved. I have a credit score of approximately XXXX and the only reason for my denial is simply because they cant seem to provide me a way to verify my identity.
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Apple Card Dispute I woke up on XX/XX/XXXX and saw that XXXX unauthorized charges had been to my Apple Card overnight at XXXX. XXXX was for {$310.00} and the other was {$310.00}. I immediately reported both these charges and froze the card. XXXX sent me an email for a dispute for each separate transaction and said it would be XXXX days until I heard their decision. I was confused because I had never encountered this with a credit card before. The only other time in my life I've had a fraud charge on a credit card was with XXXX, and it was for {$3.00}. They immediately removed the charge and gave me a new card, and did not say there was any kind of dispute. This is the first time I've had a fraud charge happen with an Apple Card. On XX/XX/XXXX, I got an email for the dispute on the {$310.00} charge and was informed that it was fraud and would be removed from my account. The next day on XX/XX/XXXX I received an email stating that XXXX had sufficient evidence that I had made the purchase for {$310.00} and that I needed to pay that balance. I re-disputed the charge. I received a decision for that on XX/XX/XXXX, saying that the charge would again remain on my account. I re-disputed it again and asked for their documentation on my case. I called XXXX to see if they had any information on their end or could help me in any way. The man on the phone was able to locate the exact charge using the date, amount, and last XXXX digits of that previous card number ( before I froze it ). He gave me the order number : XXXX. He listed off a bunch of things in the order that I definitely did not buy, and he said that it was confirmed to be shipped to my home address. I told him I had never ordered those things and did not receive any packages at my home address from XXXX with those items. He said they could easily fix it on their end and refund me, then transferred me to someone who was supposed to help with that, and she said since it was fraud she couldn't do anything to help me and I needed to settle the dispute through my bank. I called Apple Card support back after that and was informed that I needed to submit proof that I did not make the purchase through their chat service in the wallet app. I opened the chat service and after stating that I wanted to provide more evidence related to my dispute, I started receiving error messages. For XXXX days I attempted to contact XXXX support through this chat service and received the same error message every time. I tried restarting my phone, updating my phone, restarting the apps, etc. Nothing worked. Finally, on XX/XX/XXXX I called XXXX XXXX back and told them what was happening. I also mentioned that I still had not received documentation from them in regards to my dispute. The woman on the phone said I should have received an email asking me to submit my own documentation related to the dispute. I said I had not received that, that all the emails I'd received up to this point told me no further action was needed. I even checked my spam folder. She went into my account to try and re-send the email, but said an error was occurring on her end that would not allow her to send me the email prompting me for documentation. She said eventually she was able to send it and that I should try the chat function again, but if for some reason I didn't receive that or the chat still wasn't working, I should call back. I never received that email and the chat feature still did not work, even after I contacted tech support to help me. Attached are screenshots of my XXXX order history, my email from XXXX XXXX showing no emails from XXXX, each dated email from XXXX showing the disputes and their resolutions, the language in the dispute emails telling me no further action was needed, and my chats with Apple Card support showing the error messages over the course of XXXX days after I had stated that I wanted to provide further evidence. {$310.00} is an incredible amount of money, especially during these hard times, and XXXX has a policy that states I am never responsible for an unauthorized charge ( attached is a screenshot of a text reiterating this policy ). I do not understand why XXXX transaction was discovered to be fraud while the other was not. Both of these were fraud, and I feel that I have sufficient evidence proving this, combined with my history of never having had this issue before, and prior to this incident had only ever had a XXXX fraud charge on a credit card. This whole process had been taking up all my breaks at work and has caused me an unfair amount of distress. I have made more than reasonable effort to reach out to the merchant and my bank to resolve this dispute, but my bank is making it literally impossible to provide evidence supporting my case. Update on XX/XX/XXXX, I received the " evidence '' from the merchant that XXXX provided via paper in the mail. I am also attaching this. The name listed on the card that was used, which was my card number, is not my name. There is an email address and phone number listed for this person as well that I am unfamiliar with. I used this information to make a police report. ( Case number XXXX ). The evidence shows that the packages were delivered to my house, but I never received anything like that. I don't know if someone came and picked those up off my porch or what but that's even more concerning if they did. I feel that this evidence shows even further that I WAS NOT THE ONE WHO MADE THIS PURCHASE. It shows clearly the name listed on my card in the evidence as XXXX XXXX, and that is OBVIOUSLY not my name, nor has that name ever been on my account.
Company Response:
State: OR
Zip: 97306
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Sent Greensky paper work on XX/XX/XXXX, company did not respond, sent second notice on XX/XX/XXXX company responded with transaction history, a electronic signature and contract that doesn't prove the debt belongs to me.
Company Response:
State: IL
Zip: 60099
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I cosigned on a loan with my Mom to get her windows replaced. We were approved with two different lenders. The contractor ( XXXXXXXX XXXX XXXXXXXX ) funded the job from the wrong loan ( the Greensky loan ). I made greensky aware of this and they refuse to close the account. They have said I'm still liable for the loan even though XXXX XXXX XXXXXXXX made them aware of the issue and had my account credited for the {$6200.00} that was taken out. The balance is now {$0.00} and they still won't close my account. They also pushed back the " complete purchases by '' date without my knowledge.
Company Response:
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened a high yield savings account at Marcus with Goldman Sachs in early XX/XX/XXXX and in a few days asked them to transfer back a portion to my original account. They have locked my acct since. I call everyfay and either get the runaround or they cut me out. They asked me to get an affidavit of identity notarized which I did n they confirmed receipt XX/XX/XXXX. I have called XXXX n they say it takes XXXX business days to review but each time i call they say its under review n call back. I have since read numerous online on social media including XXXX complaints from other customers with very similar experiences. I reached out to my Attorney today but I also wish you to fastrack an investigation into the way this bank is doing business and abusing the banking system. This company with a bad history of wrong doings are at it again and needs to be stopped.
Company Response:
State: CA
Zip: 95834
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Purchased an awning from XXXX XXXX XXXX XXXX who uses XXXX XXXX credit card services. XXXX XXXX credit terms was 12 month promotion ending XX/XX/XXXX, deferred interest. The purchase was XX/XX/XXXX, for {$6500.00}. The product was delivered XX/XX/XXXX and payments commenced XX/XX/XXXX, minimum payments were {$260.00}. I have consistently made the minimum monthly payments until XX/XX/XXXX when I made a {$4500.00} payment reducing the balance to {$1200.00}. Despite the new balance of {$1200.00} which a minimum payment of $ XXXX would pay the balance off by XX/XX/XXXX ; XXXX XXXX XXXX XXXX same minimum payment which would accelerate the pay off and would prevent me from taking advantage of the 12 month promo period. I have spoke with multiple representatives ( XXXX, XXXX, XXXX, and XXXX ) from Green Sky they insist on imposing the minimum payment which is not stated any where in the contract I see or they can point out. If I don't pay the minimum they will report it the credit bureau adversely affecting my credit score.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have tried to remove the debt from my credit report by calling your company because my name was used and it was an identity theft.
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A