Date Received: 2022-11-15
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had an apple credit card opened that had a big interest rate and I paid off the debt and canceled it as I thought it was too much. I then found out about the SCRA after I canceled it and was wanting to get reimbursed for all of the interest I have paid on this card during my time in the military.
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022 I have booked a hotel stay at XXXX XXXX in XXXX XXXX TX. I used my Apple Card to book it and the day before I checked in at XXXX XXXX, I got charged amounting {$190.00} from a hotel I dont recognized named XXXX XXXX. I didnt disputed this anyway thinking this could be XXXX XXXX XXXX name. The next day when I check in at the XXXX XXXX I got finally charged for my stay, the merchant name that shows on my Apple Card is XXXX XXXX which is now correct. So, since the first charge is odd for me because the price is not right and I dont recall booking for this XXXX XXXX I asked the receptionist if she recognized this charge and the merchant. She told me no and the only charge that she processed was the one named XXXX XXXX because thats where we check in. So since the receptionist doesnt recognized this charge and so do I. I disputed this to Apple Card Goldman Sachs because why would I pay for something I didnt purchase. Who knows if someone got my card information and book it. Anyway the first investigation result came up and based on the email/mail I got it tells me it is a valid charge and I had to pay for it and no other explanation. So since I am getting annoyed because they want me to pay something I didnt order I asked to reopened the dispute and have them investigate it one more time because its not me who made the purchase to XXXX XXXX. So they investigated again and based on their investigation and the packet they sent to me, it shows that the XXXX XXXX and XXXX XXXX I check in with is the same company and the charge I got from XXXX XXXX is part of XXXX XXXX. So I was like ok fine. They shouldve just told me that in the beginning so I know what is going on and Im not wondering how the heck I got charge for something I do not purchase. Moving onto that messed I paid everything on my account. I never missed payment and my payment history with Apple Card XXXX Goldman Sachs is perfect because I dont carry balance or pay late. I tried to reach out apple card and see if they can resolve this issue but I just want to report this just incase they dont end up fixing it or tells me it was my fault where it was truly their fault for not telling me everything on my first dispute.
Company Response:
State: TX
Zip: 76013
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
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 or around XXXX XXXX my son who is a cardholder on my account set up automatic payment on the account, however, he didn't know to realize you needed to select pay the minimum due or statement balance. The system drafted from his personal checking account the statement balance of {$1600.00} dollars. When he realized that his personal checking was overdrawn he immediately contacted the credit card company and explained exactly what happen the credit card company immediately reversed the payment and returned the money back to his bank and the following day he made the payment of the minimum amount that was due. However, the outstanding balance increased on the credit card in the amount of {$1600.00} dollars bringing the total outstanding balance to {$3600.00} dollars with a credit limit of {$3000.00} dollars. I have made a total of 5 disputes with the credit card company about the outstanding balance being totally wrong. I told them if they add up all the transactions from the time the account was opened all the transactions do not add up to {$3600.00} dollars, therefore why is the outstanding balance {$3600.00} dollars? They are telling me the outstanding balance is correct and it's not.
Company Response:
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX, I was a victim of grand larceny and identity theft after someone stole my phone and hacked into my email account and all of my banking apps. The thief hacked into my XXXX ID and was able to lock me out of it, so I no longer have access to anything that was on the physical phone. They still have access to my photos, notes and any XXXX ID apps like my notes or files apps. Once the thief got into my phone, they found my social security number on a document in my email and proceeded to open XXXX new credit cards, and then they added those credit cards to my XXXX XXXX. I believe they went into physical stores to use my XXXX XXXX on my XXXX. I reported this to the police who are actively investigating. The thief opened the following accounts in my name and spent : - XXXX Credit Card ( account ending in XXXX card ending in XXXX ) : They spent {$970.00} at XXXX XXXX on XX/XX/16 at XXXX XXXX ET -- see attached receipt and a letter from XXXX I XXXX saying that my address had changed. - XXXX Credit Card : Has a balance of {$6000.00}. The following charges were reported at these locations : XXXX XXXX XXXX XXXX {$3000.00} XXXX, XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$540.00}, XXXX am, XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX
Company Response:
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: This complaint is in regards to the XXXX XXXX XXXX Credit Card XXXX Goldman Sachs ). The promotional offer for {$1500.00} spend on Gas and receive a {$100.00} statement credit is false, or they are just refusing to pay out the promotion. After reaching my {$1500.00} spend in XXXX, I have still not received the published {$100.00} statement credit. I have called several times since and was given a tracking/ticket number, but for whatever reason -- they keep saying they need technical support and are unable to provide the promotional statement credit after 2 months. Secondarily, they also state that this credit was provided in reward points and not a statement credit ( which is not how it is published on website ).
Company Response:
State: WI
Zip: 53405
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
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/Goldman Sachs processed a payment for an ongoing subscription service I did not authorize. They then failed to send me a statement of make an effort to notify me of past due account reporting this a a delinquent account to the credit bureaus destroying my stellar credit rating over {$44.00}. I would not have been aware of this if it had not been for a credit monitoring service I have provided by XXXX. I paid this balance in an effort to mitigate the records but apparently, the damage has been done. I have closed this account but this report remains.
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Made lump sum payment on loan with Marcus Goldman Sachs of XXXX on XX/XX/22. Received a bill for remaining interest amout that was due XX/XX/22 for XXXX. Made payment on XX/XX/22. Was reported 30 days past due on credit report. Disputed with XXXX payment status, was removed. 30 day marker reappeared after creditor sent same info, did dispute with XXXX a second time, creditor falsely reporting account now was 60 days past due, yet account was already closed XX/XX/22, today is XX/XX/22. Submitted a 3rd dispute with XXXX because creditor will not update correctly and would like assistance with this matter.
Company Response:
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I reached out serval times to get a payment arrangement was not offered the help until today how ever I was recently reported as not current after serval failed attempts of trying to pay the minimum. I have communicated an asked them serval times when I was unable to work they told me over the phone they didnt have anything to offer months later I got an email stating they offer payment arrangements. Then I have tried to get a payment arrangement it wasnt until today I have finally made contact to get one finalized XXXX months later. Completely ridiculous no one should have to go through. Horrible communication with this company. After several attempts of being persuaded into keeping my card open I was then put on a payment plan today. All of this could have been avoided if I was given the correct information the first time.
Company Response:
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have the AppleCard with Goldman Sachs and had my XXXX XXXX XXXX account listed as method of payment since XXXX. Beginning in XX/XX/XXXX my balance payments were withdrawn from another XXXX member 's account due to ( I'm told ) a one-digit error in the first XXXX numbers of the listed account. XXXX accused me of entering the account number incorrectly. I learned of this issue via a XX/XX/XXXX phone call from XXXX with no electronic notification/heads up -- in this day/age most anyone will notify the enduser to prompt them to contact the institution for info/PII security. During the XX/XX/XXXX conversation with XXXX I was told the issue was from XX/XX/XXXX and then that this had been an issue since XX/XX/XXXX. You can XXXX my account security concerns. CFPB Complaint XXXX already filed for XXXX as well. XXXX points the finger at Goldman Sachs as they are the party issuing the transaction requests on my behalf also because they post to the Fed. XXXX says ; not our problem. After several disputed payments and regardless of settling this sum in XXXX payment Goldman Sachs I've lost " grace '' since the payments had been returned. I'm told it will take XXXX days for anyone at Goldman Sachs to look into the case and/or get in touch with me. My concerns are probably obvious ; credit reputation/score along with risk of future occurrence.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I incurred an interest charge for paying my XXXX balance statement on XX/XX/22 instead of the due date on XX/XX/22. Since I paid my following balance statement ( XXXX ) in full and on time ( XX/XX/22 ), I should have not accrued any further interest. However, I received a second interest charge for almost identical amounts without any valid explanation. The first interest was charged on XX/XX/22 for {$64.00} while the second one was on XX/XX/22 for {$65.00}. After failing to receive proper customer service on the matter, I submitted a dispute which was not resolved on my favor without any further communication or discussion. I am still unaware of the reasons for the second interest charge and confused as to why the bank refuses to contact me directly with a valid and acceptable explanation. Their communication and assistance has been poor at best.
Company Response:
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A