Date Received: 2022-11-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair creditors 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 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open Consumer credit plan as late for any purpose
Company Response:
State: WI
Zip: 53215
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Apple credit card account was closed on XX/XX/2022. I do not know what rules I violated and I reached out to support and they refused to explain to me the reason behind closing the account. I attached their email as well as my conversation with them through the chat.
Company Response:
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
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: in XXXX i bought an XXXX XXXX XXXX XXXX} and traded an XXXX XXXX for {$250.00}, the total will be XXXX dollars but apple and goldman sach are charging me {$990.00}. I have called numerous times and supposedly they have already resolved but the charge continues to arrive.
Company Response:
State: MA
Zip: 02140
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
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: On XX/XX/2022, I took my partner out to dinner at XXXX! restaurant. After we were seated we waited over 15 minutes for a waiter to come over to take our order. We were told by another waiter that the person in-charge of our section was busy but would be over soon. After waiting about 5 more minutes, we decided we would place an order on the website to take home instead. When we were placing the order, the time of pick up was estimated to be about 15 minutes. When we clicked place order and our order was confirmed by the restaurant, our pickup time changed to 1 hour and 20 minutes later. We decided to wave over the nearby waiter and explained the situation and asked for the order to be cancelled and my money refunded. I was assured that they would cancel my order and I would get a refund in 5-7 business days. I didn't feel assured by the waiter saying that so I contacted Apple Card by Goldman Sachs within 20 minutes of the transaction posting and was told I could file a dispute once the charge cleared but they would let me file a dispute that would go through once the charge cleared. My statement above was included in the dispute. I was informed on XX/XX/XXXX that my dispute was denied. I appealed that response with XXXX the XXXX, who allowed me to attach my XXXX statement and call logs to the restaurant to the dispute. I was told I would get another response in 90 days. In XX/XX/2022, I received a balance reversal and contacted Apple Card again and was informed that my dispute was denied again and they would not allow me to submit further disputes and there was nothing they could do. This is unacceptable since I essentially was stolen from when I paid for a service that I did not receive.
Company Response:
State: CA
Zip: 94621
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the consumer with the fair credit reporting act, this creditor has violated my rights Under 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C 1681 section 604 ( a ) Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by apple card to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore Apple/ Goldman Sachs is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XXXX XXXX, 2022, at XXXX XXXX ET, I spoke to a XXXX at XXXX XXXX XXXX, XXXX XXXX, who lied about having a previous conversation with me. She stated that I had offered to pay {$4000.00} in a phone conversation I had with her a few months ago. I never had {$4000.00} to pay, so I know she was lying to get a settlement. A debt collector lying is, at the very least, an unethical business practice ; if it's not illegal, it should be.
Company Response:
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
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: On XX/XX/22 at XXXX I used the Apple Card chat feature to let them know I needed a partial dispute. I was told they were working on it for about 2 hours but I saw a provisional credit for XXXX cents, not XXXX dollars. When I questioned it I was told it would be rectified. Over an hour later I asked for a supervisor that said it was input incorrectly and it would take up to 10 business days to correct. I asked to get a call. I was provided the phone number for the incorrect department. To file a simple dispute, I am STILL sitting here 4 hours later on hold for someone to rectify this situation and properly credit the account and file the appropriate dispute, or confirm it has been done thus far.
Company Response:
State: NJ
Zip: 07712
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I was denied a credit increase on XX/XX/2022 by Goldman Sachs Bank ( Apple credit card ). On XX/XX/2022 I have sent an adverse letter to Goldman Sachs Bank letting them know that adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c, and is pursuant to civil liability under 15 U.S.C 1692k. Goldman Sachs Bank is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Goldman Sachs Bank due to the response I received on XX/XX/2022. This letter was received on XX/XX/2022 and I was not given a response. On my letter I asked to receive a response to my mailing address in 10 days, it is now XX/XX/XXXX. Certified mail tracking number : XXXX Goldman Sachs Bank is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Goldman Sachs Bank. I also understand that my initial credit application ( a promise to pay in the future ) was the source of funds where the alleged extension of credit derived from. Goldman Sachs Bank acted to induce me into contracting with them on the basis they would profit from my indebtedness. Goldman Sachs Bank knew that its representations of credit creation were false and misleading. This is based on the fact that compensation and or the credit given for my asset should be easily reflected as an accounting entry. Where the funds can be shown as being drawn down from an account, a debit and or a transfer of funds from some sort of source document and then released to me. This would be in the amount of the alleged credit line that was stated by the defendants. The activity mentioned above would have to be a prior event ; meaning before arriving on the defendants balance sheet as an available credit for extension to me. It would have to be a source that proves its origin and its transfer. This would also include showing satisfaction of the performance of payment in a fair exchange of my asset. Under the circumstances the only source documents in this transaction is my original credit application. So basically, in good faith I relied on Goldman Sachs Bank 's presumption of indebtedness for transactions I was making on the account. Thinking they were being forthcoming and truthful in the alleged lending process. Upon more research I have also realized Goldman Sachs Bank never disclosed to me that interest coupons available every billing cycle were interest coupons that could be used to set off obligations of the account by an agreement of the parties. So not only did Goldman Sachs Bank deny me credit, they have participated in Fraudulent Misrepresentation, Deceptive Trading Practices and Truth In Lending Act violations. Goldman Sachs Bank has failed to make reasonable procedures to resolve this matter and compensate me for the use of my credit card, and under law, Goldman Sachs Bank is criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681 and 15 U.S.C 1681o. This has caused me much financial stress, and because of the damages it is my wish that the following terms be provisioned so that my equitable interest can be restored. I request that all future interest payment coupons by Goldman Sachs Bank shall by this agreement, have the full force and effect of Accord and Satisfaction of obligation, on all statements received upon its receipt. Secondly, that Goldman Sachs Bank accepts my interest coupon for the outstanding balance of {$5000.00} on the account or discharge it in full. Notice under the conditions aforementioned in this remedy section, any legal remedies by operation of law due to me not expressed herein are hereby not waived. Such remedies shall include but not be limited to legal fees, or monetary damages due under the law.
Company Response:
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Goldman Sachs XXXX XXXX, XXXX XXXX XXXX XXXX, Pa XXXX Adverse Action To whom it may concern ; Im writing this letter to inform you about the credit transaction entered with your Company XX/XX/2022, and I extended your organization the credit for the Apple Card with this email address. Im giving your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which means shows the pertinent facts of this transaction. Your Company never informed me about the Cost of Credit and only evidence of indebtedness was just a computer-generated agreement. According to the law 15 USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any means reasonably assuring the receipt thereof by the cardholder. Since there was not an adequate notice given as per above mentioned section, I couldnt understand its meaning which is violating my rights under 15 USC 1602 ( k ). Furthermore under 15 USC 1601 ( a ) consumer must be aware of the Cost of the transactions. Since I wasnt aware of the transaction, there was an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your side I have not benefitted from this above transaction which is again a violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ) The term unauthorized use means use of a credit card by a person other than the card holder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. I hereby request you to these things below mentioned 1. Reverse the adverse action that was sent to me and please send me my credit card with my proper name on it. If your company accepts my request, I will not escalate this matter to Federal courts, but if my letter is rejected for some reason, legal action will be taken against your company for compensatory damages. Thank you for your time and attention for this matter. Sincerely, XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A