Date Received: 2022-09-25
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I contacted Goldman Sachs regarding a CLI on a existing Apple Branded XXXX ; they denied the credit limit increase because Your recent payments on Apple Card did not cover a significant portion of your monthly balance. Yet, I made a $ XXXX payment days before the request which brought the card balance to {$0.00}. When I contacted their customer service representative they were uninformed and unhelpful. They said that XXXX doesnt look at internal payment history and only rely upon what is reported to the Credit Bureau XXXX yet historically on this account XXXX has failed to report updated information to the credit bureau in a timely manner. It should also be noted that the credit limit issued by XXXX XXXX sufficient to purchase most products at the branded store ( Apple ) associated with the card ; when I pointed this out to the representative, the were like so, use another card the Apple Card by XXXX is heavily advertising that you can get 3 % cash back on Apple purchases with the Apple Card. It should also be noted that I have a XXXX score in the low XXXX range and is much higher than it was when the card was first opened. I also have multiple cards with other lenders with credit limits 50 % and 150 % higher than that on the Apple Card by XXXX.
Company Response:
State: CA
Zip: 95382
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Just found out today ( XX/XX/XXXX ) that Marcus/Goldman Sachs allowed an outside actor to fraudulently open a savings account with my name and SSN number. Now they are saying that I can not do business with Marcus because a fraudulent account was opened in my name, and it can never be reversed. What happened to consumer protection? This should not be allowed by large banks. XXXX
Company Response:
State: CA
Zip: 95124
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I am not even sure who to address this complaint about. The enticement and advertising to open a 12 month no interest account starts with Apple Credit Card and then it appears servicing is moved to Goldman Sachs. The advertisement is not clear, concise nor consumer friendly. To obtain information after you have placed the order is close to impossible. I have been transferred between Apple Card over 33 times and have spent a title of 44 hours trying to get assistance. Both entities claim to not understand how this program works. There are so many features that seem to be predatory, deceptive and just down-right slimy for the consumer. 1. Apple advertises an apple gift card with a purchase. They are not clear that they you not receiving a discount or a free gift card. They actually charge you for the gift card on the Apple Card. There is no benefit. At least 18 employees within Apple and some calls as long as 2 hours 33 minutes, no apple employee could explain how the gift card works. On the surface it is just appears to be deceptive advertising to sell a gift card and finance it on an apple credit card. 2. Neither Apple nor Goldman Sachs can provide a breakdown of the charges, why some are on installment or others are not. I have been told there is not itemization. There appears to be a very serious lack of training between Apple credit card and Goldman Sachs. I spoke with no less than 10 people who all told me a totally different policy or guidelines. A clear and concise consumer friendly policy should not require both parties to have to elevate to a supervisor. 3. The upfront disclosures of how to maneuver this minefield is non existent.
Company Response:
State: AL
Zip: 36532
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello Dear CFPB I am writing to get assistance about my Apple Card by Goldman Sachs. I was customer with them since XX/XX/2019 and today i got email they are closing my account and the reason was : '' There was a failure to comply with the terms of the Customer Agreement ''. This is 100 % false statement and has nothing to do with facts and reality. In Past 3 years being customer with Apple Card by Goldman Sachs i never had any issues not single issues. Never been late or went over limit or return check or any shape or form abused the card / NOTHING. My XXXX Score is Flawless, My Annual income is above average US Cardholders and in fact just recently my Credit Card limit was increased by {$6000.00} from {$25.00} to {$31.00}. My main concern is that by closing this account it will show in my credit bureaus that it was closed by credit grantor and my other creditors will follow same route and will close all my other account by assuming i have done something wrong. Please assist me to review and reopen my account.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I opened an Apple XXXX Credit card and it seems very unfair for an older person to have to text issues, if is VERY difficult to get a person to talk to and they will not mail paper statements. Seems unfair.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
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: Hello, My husband XXXX XXXX passed away last year ( XXXX XXXX ). I paid myself the amount of {$200.00} after his passing on XXXX XXXX. I called the company to let them know about his passing and closed his Apple wallet account. I was told later on by bank representatives and lawyers that I was not liable for debts in his name and that I could request a refund. I asked for a refund in XX/XX/XXXX by sending by mail all the documents they requested to issue the refund ( small estate affidavit, death certificate, bank statement justifying the payment I did ). They said there was no email I could send the documents to. I've been back and forth on the phone with them for months following up. They were saying that they didn't receive them in XX/XX/XXXX so I send the documents again on XX/XX/XXXX. I kept asking for an email where I could follow up but they said that I have to call them. They received the documents on XXXX XXXX ( I have the XXXX tracking number delivery proof ). at Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. I spoke with a representative on XX/XX/XXXX and they said they received the documents and that it takes a while to process the refund and issue the check for the amount of {$200.00}. On XX/XX/XXXX, I spoke to XXXX he said that they were processing the refund and that an email will be sent to my husband 's email box after one month before sending the check for {$200.00}. No email was received from Goldman Sachs today on my husband 's mail box. On XX/XX/XXXX I spoke to XXXX a supervisor, and she said that they will escalate and a supervisor will call me to help me ( in about a week ) They gave me case number # XXXX. I received no call as of today and no refund. Would you please help me resolve that issue, Goldman Sachs tel : XXXX XXXX XXXX Thanks for your help, Thanks, XXXX
Company Response:
State: CA
Zip: 90048
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/XXXX I applied for the Apple Card with Goldman Sachs after improving my credit tremendously by reducing my debt, removing inquiries, and resolving any negative items on my report. I was denied due to excessive inquiries and " delinquent accounts '' which I know was incorrect but I recently had my inquiries removed and remedied all deficiencies on my report. Today, I reapplied was given neither a denial or approval, I received an email stating that I applied too many times and my information could not be verified. When I called the Apple Card phone number listed in the email to have my application reconsidered, I was told that the representative could not see my application from today in her system ( despite me having an email response from that application ) and only way to receive reconsideration was to apply again. I have applied again and received the same response. Pursuant to 15 USC 1691, it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction and I am asking that my application be reconsidered. As I stated previously ; I do not have high inquiries on my report, my credit utilization is XXXX XXXX, I have no collections or charge off accounts. There is one closed account that has a comment of XXXX days late and it is a student loan opened in XXXX and reported lateness in XXXX which was removed by the loan company but they did not remove the inaccurate comment of XXXX days late. If you were to review the payment grid for that account, it shows no incidents of lateness and is reporting inaccurately. I have no other late payments or derogatory accounts. I have perfect payment history.
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: Goldman Sachs Apple Card Credit card issued by the above entity was randomly closed and no reason for account closure was sent. Payments were made and possibly because a balance remained. It is also possible that my personal phon was compromised in a way that made have multiple characters posing as me. Name : XXXX XXXX XXXX XX/XX/1992 Heritage : XXXX Current : XXXX XXXX XXXX XXXX Possible Identity theft. My SS XXXX XXXX reported stolen passport XXXX One renewed passport in Texas post office And passport card. 1 temporary passport issued at foreign embassy.
Company Response:
State: OR
Zip: 97213
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Trouble using your card
Subissue: Account sold or transferred to another company
Consumer Complaint: I paid my Marcus Goldman Sachs credit card {$3900.00} on XXXX in error, which gave me a credit as my balance was XXXX at the time. Thus I called and asked to have it reversed and was told that was not an option. They said they would send a check which I received dated XXXX. I deposited check in my checking account on XXXX. On XXXX Marcus GS reversed the XXXX and added it to my account thus creating a debit on my account stating that I owe them that amount. I have talked to supervisors and managers at Marcus to no avail. I never received the reversed amount and they are billing me, and added interest.
Company Response:
State: CO
Zip: 80234
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: My account was closed in XXXXXXXX XXXX XXXX when I was still paying on my account. They have since charged it off since I stopped paying in XXXX. I have been talking to them since the closure about my account but they have been NO help. Apple/Goldman Sachs only want full payment, even when I was told by a Goldman Sachs representative that it was closed in error. Please help me fix this situation. They have been single-handedly ruining my life. I just recently got into a car accident and need a new car but cant get approved because of the wrongful charge-off. My counselor at my credit union suggested I contact you guys because I have tried to talk to Apple/Goldman Sachs but they just keep transferring me. Thank you for the help.
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A