Date Received: 2022-09-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This complaint was already file by my husband, an authorized user on this card ( complaint # XXXX ) but it was rejected because he was not the primary cardholder. I am therefore filing it again as the primary holder of this card. The payment app/process does NOT allow paying an amount exceeding the balance due ; this results in the consumer paying excessive interest charges. For example in XXXX a consumer has a bill for {$5000.00} and pays only {$3000.00}, in XXXX the consumer has a bill for new charges of XXXX plus the remaining/unpaid XXXX plus interest charges. The interest charges accrue until the balance is XXXX. The consumer is only allowed to enter the current balance by the credit card payment app so before the payment is processed by the credit card company any new charges will be subject to interest charges ( as the balance will remain above XXXX ) ; the processing of payments is controlled by the credit card company resulting in the consumer continuing to pay interest charges.
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Company put on a fraud alert and hasn't taken it off and it has been nearly 60 days. I have called them numerous times and sent the required information and it hasn't been resolved. They don't fix it and I haven't heard back from them.
Company Response:
State: MN
Zip: 561XX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I ordered XXXX from XXXX, using their app, which is tied to my XXXX. My family moved in XXXX, and I updated my address in every XXXX system I could locate. The order went to my old address, regardless. I have spent days working with their customer service teams, which are " chat '' based, trying to remedy the situation by a ) correcting the address, and b ) sending me a replacement. The XXXX customer service representatives, which in the past have been excellent, have not remedied either situation, and seem to be leaving me at a dead end. I have requested escalation to a manager, multiple times, and keep getting strange chat responses, like unrelated recommendations, etc. I feel like I am being ignored and there is no accountability from XXXXXXXX XXXX side. NOTE : A transcript of the chat series is attached.
Company Response:
State: OH
Zip: 44145
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I bought two XXXX at the Minnesota XXXX center XXXX XXXX using the Apple Card. I was charged for FOUR XXXX Subsequently there was another charge in the amount of $ XXXX I filed complaint with the CFPB ( XXXX ) I was refunded the illegal charges ; but the balance on the Apple Card remained and it accrued interest too. All purchases transactions and illegal charges are on the Apple Card account. Apple Card/Goldman Sachs cant deny this illegal practice.
Company Response:
State: MN
Zip: 55414
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.E : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a certification from the creditor that certified the accuracy and completeness of the information/account
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
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: Dispute against APPLE Goldman Sachs credit card, I filed a dispute with them for a transaction that had not been refunded by the merchant XXXX. I had to cancel my registration for my medical school board examination, which was on XX/XX/XXXX. I had canceled and requested a refund weeks before, the merchant has yet to respond. I filed my dispute with Apple Card and have attempted to contact on numerous occasions. I have sent them 6 emails, and I have record of all the terrible responses Ive received. It seems as if they are making a joke of the situation- XXXX $ wasted for an examination I couldnt attend to due a personal emergency, and am expected to take again ( aka pay another XXXX $ for. ) this is cruel- both the merchant and credit card provider have failed to provide me with the refund for a service that was canceled and not received.
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: i lost my phone on XXXX XXXX around XXXX in the morning during an XXXX ride home. After i woke up around XXXX XXXX i notice multiple transactions on my XXXX bank account statement. i filed a police report for theft. through out the day i have changed multiple passwords and login information and i put a credit freeze on my credit through the three credit brueros as soon as possible. through the next day i was on the phone with apple, XXXX XXXX and XXXX multiple times. apple had some large charges using my apple pay and other forms of payment. XXXX had a XXXX dollar request from my XXXX account to be transferred to a XXXX XXXX who i have no idea who this person is. two large payments of XXXX dollars and XXXX dollars where transferred from my XXXX to XXXX and used to make multiple purchases at a XXXX and XXXX. on XXXX XX/XX/XXXX around XXXX i noticed that i actually had an apple credit card created on XXXX XX/XX/XXXX the same day i lost my phone. I DID NOT apply for this credit and I DID NOT make any of these transactions. I have no idea how but the person who has my phone used my identity to open a Apple Credit Card and a Apple Cash card in my name. i am in the process of buying identy protection from XXXX and also working with Apple to correct what has happened.
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
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 facbook advertised a XXXX vacuum cleaner for {$2.00} after filling out a form. After I filled out the form, the merchant, named " XXXX XXXX XXXX' charged me {$54.00}. I immediately messaged them. They did not answered and now has disappeared and can no longer be found on XXXX. I disputed the amount with the Apple credit card. The credit card gave me a credit of {$52.00}. For 3 weeks, I have contacted Apple credit card 3 times and said that I never received the XXXX Vaccum cleaner, the merchant is a fraud, that I need to change my account number, and that Apple need to give me the full credit of {$54.00}. I have a text message from Apple credit card representative saying that they will give me the full credit back but it never happened. I tried again today for the 4th time, and I was on hold for over 1 hr. Apple credit card AKA Goldman Sachs Bank is failed to comply with the Fair Credit and Billing Act by refusing to give me the full credit since the merchant is a fraud, I did not receive the XXXX Vaccum cleaner, I am not liable to pay the {$2.00}.
Company Response:
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On behalf of XXXX XXXX XXXX XXXX, I have held a XXXX XXXX XXXX, which was backed by XXXX XXXX for years, and with NO problems. However, approximately a year ago, I received physical and electronic communications that the XXXX XXXX card was sold to XXXX by Goldman Sachs and my credit card would be on the way. I have received a letter purporting that a security code can be utilized to set up and manage my account online. To date, the attempts to do such have been unsuccessful. Password resets are NEVER sent. Today, I was told via XXXX by " XXXX XXXX '' that the call center representatives are not allowed to provide their last name, representative ID, or city in which they are working and can not transfer my call to technical support - we must wait to be contacted - in order to rectify the asinine web of meanders that the website continues to take me through. This behavior is deplorable and mind-blowing as this is NOT the reputation that one would want to develop as a new car issuer. This seems to be a chronic issue as per this : https : //www.consumeraffairs.com/finance/marcus-by-goldman-sachs.html and that : https : XXXX. In addition to this, there is a personal guarantee on this business card, so I am concerned as to who has access to it, since I do not and " Marcus '' are being strategically difficult in allowing me to control my account.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I'm writing to request an investigation into why my Apple Card was abruptly closed by Goldman Sachs on XX/XX/XXXX without warning and only being told account closed for " REGULATORY REASONS '', without any explanation of what that means. When I ask them what " REGULATORY REASONS '' is, all they tell me is " I DON'T KNOW '', and that's unacceptable. Goldman Sachs is refusing to provide me with any reason or cause for closing my account, other than stating account closed for " REGULATORY REASONS ''. I have called Apple Card support and requested an explanation three ( 3 ) times since the account was closed, but Goldman Sachs refuses to provide any explanation why my account was closed, or offered any means to resolve the situation, nor can they in any way explain what " REGULATORY REASONS '' even is, much less why they closed my good standing account for that reason ''. This arbitrary action by Goldman Sachs is seriously damaging my credit, and they refuse to explain why, or help me to fix what I believe is a very serious error in their system. This situation is financially catastrophic for me, please help. A supervisor at Apple Card support told me on the phone that my Apple Card is marked in her system as : account closed for " REGULATORY REASONS '', but will not explain what this means or what I can do to resolve this situation. The supervisor stated : " I have no idea what 'REGULATORY REASONS ' is, but that's the reason your account is closed. '' That tells me nothing. Does that even have anything to do with me? They refuse to explain. Because they will not explain, justify, or even give just cause, I believe that my consumer rights are being violated, and I'm hoping that you may have time to review the situation, and help me find answers. I do not believe that Goldman Sachs has any just reason to abruptly close my account, because I have always followed the Apple Card Customer Agreement and always paid on time, never late. Additionally, I was given a {$1800.00} credit line increase just two ( 2 ) days before they closed my account! It makes no sense to me as to why they would close my account like that, just 48 hours after they decided to increase my credit line?? Why? I've always been an excellent card holder, since receiving the card in XXXX of XXXX for the following reasons : 1 ) Regular Card Use : I have used the card regularly, almost daily, since I received it in XX/XX/XXXX. Furthermore, I have charged and paid ( on time ) over {$30000.00} in XXXX, so I use the card a lot. 2 ) On Time Payments : I have always paid on time, and in fact I have always paid early, and have never been charged even a XXXX of interest by Goldman Sachs. In the card app it's suggested to " pay early to avoid late fees '', which is exactly what I have done since receiving the card in XX/XX/XXXX. 3 ) My Stable XXXX XXXX : My income exceeds $ XXXX per year, and my credit score *was* around 725 when they abruptly closed my Apple Card, so my credit score is good. Therefore, I believe that I'm more than qualified to be a holder of this card, and it makes logical sense to me that I was approved to receive one. 4 ) Followed Apple Card Customer Agreement : I have always followed the Apple Card Customer Agreement, have always been an active user of the card, and have always paid on time. Isn't that exactly what I'm expected to do? Additionally, I haven't been able to find anything in the Apple Card Customer Agreement about " REGULATORY REASONS '', so how are they justified in closing my account and destroying my credit? Therefore, Goldman Sachs must have made a very serious error and closed my account by mistake. Here 's a timeline summary of my Apple Card experience, start to end : XX/XX/XXXX Was approved for Apple Card by Goldman Sachs, and was given a {$1500.00} limit. Received an email that card will be delivered in 4-6 days. Once I received the card, I began using it for daily purchases immediately, and making on time payments starting in XX/XX/XXXX. XX/XX/XXXX Requested a credit line increase and my credit limit was raised to {$3500.00}. XX/XX/XXXX Received a credit line increase and my credit limit was raised to {$5300.00}. XX/XX/XXXX Received email : " Your XXXX statement is ready to view. '' Everything appears normal on my statement. XX/XX/XXXX ( XXXX XXXX ) Received email stating : " Your Apple Card account has been closed as of XX/XX/XXXX and can no longer be used for purchases because : You are no longer able to make purchases with your Apple Card at this time. If you would like a record with specific reasons your account was closed, please reach out to an Apple Card Specialist within 60 days of this communication. Documentation will be provided to you within 30 days of receiving your request '' ** NO REASON GIVEN ** XX/XX/XXXX ( XXXX XXXX ) Called Apple Card support. Support representative said they didn't understand, and transferred me to a supervisor. The supervisor said the reason in her system was ACCOUNT CLOSED FOR " REGULATORY REASONS '', but didn't understand what that meant so she couldn't explain. She said that she would start an investigation and would also escalate the issue, so someone would be calling me with an explanation " within 10 days ''. XX/XX/XXXX ( XXXX XXXX ) Called Apple Card support again, and the support agent said : ACCOUNT CLOSED FOR " REGULATORY REASONS '', but didn't understand what that means so they couldn't explain. They also said that the investigation is ongoing and that someone would call, eventually. XX/XX/XXXX Received letter via XXXX stating : " Your Apple Card account has been closed as of XX/XX/XXXX and can no longer be used for purchases because : You are no longer able to make purchases with your Apple Card at this time. If you would like a record with specific reasons your account was closed, please reach out to an Apple Card Specialist within 60 days of this communication. Documentation will be provided to you within 30 days of receiving your request '' ** NO REASON GIVEN ** XX/XX/XXXX ( XXXX XXXX ) Called Apple Card support, and the support agent said again : ACCOUNT CLOSED FOR " REGULATORY REASONS '', but didn't understand what that means so they couldn't explain. Spoke to a supervisor, and she started another investigation and said that someone would call, eventually. XX/XX/XXXX Received letter via XXXX stating : " Your Apple Card account has been closed because : REGULATORY REASONS '' How can Goldman Sachs close my account and destroy my credit for something they can't even explain called " REGULATORY REASONS ''?? I strongly believe that there has been a serious error within Goldman Sachs system that caused my account to be closed by mistake, possibly by computer system failure or human error. I also strongly believe that if a senior account manager at Goldman Sachs would take the time to personally review my account history and my exact situation ( this letter ), they would be able to find the problem and fix it, and would then reinstate my Apple Card. What is " REGULATORY REASONS '' and why was my account closed for this 'reason '? I believe that Goldman Sachs has made a serious error and someone needs to fix the problem, and restore my card.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A