Date Received: 2023-12-16
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 recently talked to Apple Card Goldman Sachs today I was previously told by SIPERVISOR THAT a dispute was filed given number then get an email stating it was a balance inquiry. I have first been trying for a long time to get the correct credit info from apple I never got the XXXX XXXX phone or the clear case. most importantly I have many unknown charges and credits on my account, the XXXX app never matches what they say when I call the balance is always different usually more. I chatted a couple of times today also they did was waste jy time Im sure they are overseas texts due to the language. Still no results just seems like playing with customers I need help they just take your money then are rude hang up etc when u try and call
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My spouse is XXXX XXXX military enlisted/serving in the state of Louisiana. Under LA statute RS 29:312, credit lenders are supposed to be capped at 6 %. Please adjust my account accordingly. Thank you.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX $ XXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX APPLE CARD - GS BANK USA XXXX XXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX Charged off turned into a certificate of indebtedness According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 15 U.S. Code 1681 ( E ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by the 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic person information. '' Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. '' Furnisher of information to credit agencies is a financial institution by definition by definition under that title 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ''
Company Response:
State: NC
Zip: 27405
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
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: XXXX XXXX online request for refund system is not validating the ticket number leaving my only recourse as this option. It looks like instead of canceling the return portion of my flight, the entire flight was canceled and then reissued, causing it to become non-refundable. The new receipt explicitly lists that its a nonrefundable airfare. The agent was able to do after getting assistance from the ticketing department because of an error code in the system that was showing a {$3300.00} change which didnt make sense but was corrected. However, instead of getting refunded, the agent alerted me that it would be travel credit. I asked why it would be travel credit on a return flight that was booked at first-class rate, not upgraded, and the agent replied that it was booked as a non-refundable ticket. I was told this after the ticket was re-issued. After the exchange was done in the system. Filed dispute with my credit card Apple/Goldman and its been over 30 days with no resolution. In fact, Apple/Goldman just sent me an email for more information. When I filed my claim I submitted a detailed XXXX page report of the entire transaction and interaction with XXXX XXXX representatives. If I had used XXXX XXXX this issuse would have been resolved in days, not weeks. I am not confident that my credit card issuer is looking out for me, their customer and instead going to find an avenue to side with the merchant ( XXXX XXXX ) when I have provided more than enough proof for the dispute to have been researched and resolved.
Company Response:
State: TN
Zip: 37067
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Received XXXX online Saving account statement from Goldman Sachs Bank USA XXXX PA on XX/XX/XXXX. I never opened it and never give permission to anybody about my personal information. I called XXXX XX/XX/XXXX XXXX XXXX and talked agent for 15 minutes, possible fraud and got advised call tomorrow morning I called again on XX/XX/XXXX XXXX XXXX for 49 minutes. Bank can not provide me any detail information on my information that someone gave to Bank. Refuse to give any fraudulent activity 's that I would like to see. Bank refer to their fraud unit and I requested closed account and information, Bank will send close notification, not the detail information. Bank should not open this account with fake email address and telephone number. Bank should not advertise in website " secure online Bank etc '' Bank do not have strong internal system to prevent " victim 's '' like me. I am worrying very much that XXXX XXXXXXXX XXXX fake account use by criminal activity. I could not sleep at all to worry about this.
Company Response:
State: PA
Zip: 19002
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: apple card i have since closed this card for lack of help from goldsackmans apple Mastercard to rectify this issue the late payment was XXXX ... ... XX/XX/XXXX APPLECARD GSBANK PAYMENT XXXX XXXX XXXX XXXX {$70.00} ( my bank info ) i tried to rectify this with them via texting on XX/XX/XXXX to no avil. I never at any time receive a usps mail about this bill i asked if they had my address they stated they did. i also have a almost perfect payment record and would never not pay. I would like to have this late payment removed from my credit report please
Company Response:
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
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: Apple card gave me partial credit for the following orders {$240.00} they gave me {$210.00} the whole order was returned to merchant why did i not get a full refund? {$170.00} partial refund given again the whole order was returned to the merchant XXXX XXXX {$180.00} this was never refunded it even says on my statement that the refund was denied.
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
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/23, I placed an order for a new XXXX, with a total cost of {$1500.00} using my Goldman Sachs Apple credit card on file. The order was placed via Apple 's official website and was processed for installment payments. The delivery was scheduled for an unknown TBD date in the future- as is often the case upon the early release of new XXXX I require signatures for delivery of high value items such as the XXXX, however, I was only notified of the delivery AFTER the courier company ostensibly performed the delivery. I was NOT at my residence, an open-air apartment building, at the time of the supposed delivery. I received an email notification from the courier stating that the package had been successfully delivered to my address. To my shock and dismay, I never authorized such a delivery, nor did I receive photographic evidence ( or any other form of evidence ) to substantiate the claim that the parcel was in fact delivered. Upon arrival at my apartment residence to retrieve the parcel, there was no proof of delivery at my doorstep or in my mailbox. I immediately contacted Apple and filed a complaint regarding the missing delivery. I have also reported the incident to the local police department, and a copy of the police report has been submitted to Goldman Sachs and Apple. At this juncture, I have been abundantly patient, but am now eager to resolve this situation as swiftly as possible currently, this process has been dragging on for months. And it has become increasingly obvious that other consumers such as me are being left in a never-ending loop. There are seemingly few protections in place to guard injured consumers in this situation. As such, I am alerting other consumer protection agencies to bring attention to this unjust situation. Unfortunately, as a consumer, it appears there may be a direct conflict of interest between the Apple Card userbase experiencing such concerns and the financial entanglements between Goldman Sachs and Apple.
Company Response:
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Apple charge card for {$5.00} late fee. Tried just paying it. Turns out my last payment was a XXXX short somehow ( I think this was incorrect ). Tried to pay it for 45 minutes both phone and online couldnt get a representative. That is sister fee anyway. The company if horrible to deal with. They just put you on hold and leave you hanging both by text and phone.
Company Response:
State: NC
Zip: 27614
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX XXXX XXXX I contacted Apple Card - GS Bank USA of my exercising my federal right as a consumer to opt of reporting to XXXX, XXXX and XXXX. According to the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the report. Transaction history should not be reported unless otherwise directed by the consumer. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Apple Card- GS Bank USA is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Apple Card- GS Bank USA- the financial institution , and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and Apple Card- GS Bank USA whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Apple Card- GS Bank USA never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. In addition, this account is shown on my credit report as a Charge-Off from Apple Card- GS Bank USA ( credit report attached ). The IRS clearly states that a consumer should receive a 1099-C filed by the financial institution with the IRS for that Charge-Off. The IRS and FCRA clearly states that income can not be reported to a consumer report.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A