Date Received: 2022-08-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid my account off back in XX/XX/2022 and then received another bill for XX/XX/2022 of {$12.00}. I put in a dispute since I thought I paid off the account. The dispute was resolved after the XXXX due date which I ended up paying the {$12.00} charge. Then I received another bill for XXXX showing I had a late fee and more interest charges. They charged me while waiting to hear about the dispute. I have since put in 3 other disputes and talked to several specialists and supervisors. No one has been able to help me. My disputes keep getting turned down and my account keeps snowballing in fees. It started as {$12.00} and is now currently at {$37.00}. I just want my account paid off at a XXXX balance.
Company Response:
State: OH
Zip: 45013
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: For a year now, I have not had transactions consistently post on my credit card account and can't view or track purchases in real time. I have reached out to Apple Card 's support regarding this, with each attempt eventually ending in them quietly ceasing followup to the issue. This response is unacceptable, as being unable to view some transactions in real time both makes it difficult to track spending and also to identify a potentially fraudulent transaction. I previously opened complaint ID XXXX regarding this issue after losing count of the attempts to get Apple Card to take this seriously, only for them to call once or twice and then request that the complaint be closed with a promise to follow up with me to resolve the issue. It was inappropriate to close the request because the issue was not resolved, and Apple Card support has made no attempt to reach out and resolve the issue since closing it.
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Apple Card/Goldman Sachs took an adverse action upon me by closing out my account, which actually constitutes as discrimination per the ECOA. They've also taken unfair and deceptive means by eliminating my view of Statements, Transactions, Open Disputes, & Balance of Alleged Debt ( Billing Error 15 USC 1666 ). Please address those 4 problems above as well as the discrimination/adverse action/closing of my account. The customer service is very poor, gives misinformation, doesn't respond for 20min at a time, I escalated my concerns 19 business days ago in regards to this and still no response. It has come to my attention that Goldman Sachs has discriminated upon me and breached a fiduciary obligation. In accordance with the Equal Credit Opportunity Act, 15 USC 1691 ( A ) ( 3 ) it shall be unlawful for any creditor to discriminate because the applicant has in good faith exercised any right under CHAPTER 41. Chapter 41 Consumer Credit Protection, Truth In Lending Act, 15 USC 1602 ( F ) defines Credit which is the RIGHT granted by any Creditor ( 15 usc 1602 ( g ) ) to a debtor to defer payment of debt or to incur debt and defer its payment. I have in good faith exercised this right as a Creditor and demand an open end credit plan be created, as you also have a fiduciary obligation by gaining access to my XXXX XXXX XXXX account, in which as Beneficiary I havent benefited from this transaction. Per HJR-192 of XXXX the Gold clause was dismissed, the United States went bankrupt, birth certificates were created bonds used as collateral. Per 12 USC 83 banks can not make loans on their own capital stock, 12 USC 1431 defines banks as borrowers. I signed a deceptive form in accordance with the FDCPA, 15 USC 1692j, the application is a promissory note/negotiable instrument, I endorsed. I do not receive income from employment, yet Im compensated pursuant to 12 USC 4502 ( 6 ). I am demanding my Apple credit card be taken off restriction with a {$30000.00} limit to be deferred on a monthly basis as requested. In terms of any alleged debt, please forward copies of VALIDATION and see case XXXXXXXX XXXX XXXX XXXX XXXX as statements are not sufficient evidence. Financial Institutions do not loan anything, my endorsed ( signature ) application ( negotiable instrument ) is made equivalent to federal reserve notes and disbursed back to me in the form of a " loan ''.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I payed in full. Then I received a bill for additional fees which I payed in full. Now I received and interest fee on a XXXX Balance.
Company Response:
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have a very strong established excellent credit status. I applied multiple times for an Apple Credit Card, but the financial institutions denied my application for the following reasons : Unable to Verify my Identity. I believe the financial institutions did not try to verify the proper way or violated the Equal Credit Opportunity Act. All other financial institutions I have relationships with can establish a relationship with me and able to verify my identity.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A person with the email XXXX attempted to obtain an Apple Card account from Goldman Sachs Bank USA with my name. The application was denied since I had a credit freeze on my credit accounts.
Company Response:
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Apple XXXX Goldman Sachs has not provided good enough security and allowed XXXX to bill my card without my permission for {$24.00} ( {$360.00} annually ) with an expired card ( after i requested a new card my account was charged ) Apple has also done nothing to patch the XXXX Terms & Conditions glitch & needs to explain why they attempted to fleece me out of {$460.00} for a simple isopropyl alcohol cleanup! I've invoiced them this amount for being abusive towards their customers & this complaint serves as investigation into Apple 's business practices. I currently have a $ XXXX Apple Card balance which I can not use with my mobile wallet, no reasons given whatsoever - It's my money, shouldn't I be able to use it on the App Store XXXX the mobile wallet & on any iDevice? This should be referred to the Office of the Comptroller & affiliated parties
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Apple Card Interest Charge Dispute In the last part of XX/XX/2022 I added new bank information for ******** Credit Union ( **** ) and set account XXXX as the default account and bank for making payments on my Apple Card XXXX Goldman Sachs XXXX At XXXX PM XXXX ( XXXX XXXX ) XX/XX/XXXX I set up a payment for the statement balance of my Apple Card through the Apple Wallet app. The amount of {$81.00} was paid from accrued Apple XXXX. The remaining balance of {$4800.00} was set to pay from the bank. At about XXXX PM XXXX XX/XX/XXXX ( XXXX AM XXXX XX/XX/XXXX ) I was reviewing the transaction that I had set to make the payment on the Apple Card and discovered that the wrong bank had been charged for the monthly statement payment. ***** Bank was charged {$4800.00} on account XXXX. This was in spite of my setting up a new bank as default several days in advance. At XXXX PM XXXX XX/XX/XXXX ( XXXX AM XXXX XX/XX/XXXX ) I called Apple Card ( Goldman Sachs ) through the Apple Wallet App ( duration 16 minutes ). I spoke with a female representative who assured me that we could resolve this error completely because I had called before the payment cutoff of midnight XX/XX/XXXX. She set up a dispute for the payment that had been set on the wrong bank and assured me that the money would be returned to the bank within 10 business days. I told her that this was critical because we had just moved and had changed banks. There would not be enough funds in the one account to cover the payment that had been set up by mistake. She again reassured me that we were cancelling that payment and she would set up a payment on the correct account and bank ( **** XXXX ). After a few minutes attempting to charge the correct bank she informed me that she was having difficulty processing the transaction. She tried to get a supervisor on line but none were available. She told me she would put notes in the system and asked me to call back in 15-30 minutes. At XXXX PM XXXX XX/XX/XXXX ( XXXX AM XXXX XX/XX/XXXX ) I attempted to contact ******* Bank several times fix this transaction on their end. I determined that no help was available until regular banking hours on Monday XX/XX/XXXX. I would have to call the bank back at that time. At XXXX PM XXXX XX/XX/XXXX ( XXXX AM XXXX XX/XX/XXXX ) I called back to Apple Card ( Goldman Sachs ) through the Apple XXXX app ( duration 41 minutes ). I was on hold a significant amount of time before the call is answered. Once answered I spoke with a male who offered to set up the payment on the proper bank ( **** XXXX ). He made several attempts to process the remaining balance of $ XXXX informed me that he thought it could not be processed because the remaining balance on the Apple Card was less than the {$4800.00} that we were trying to charge to the proper bank. He suggested that I call back in the morning on XX/XX/XXXX and ask to speak to a supervisor. He assured me that we could resolve everything as I had called before the payment deadline at midnight XXXX. At XXXX PM XXXX ( XXXX PM XXXX ) XX/XX/XXXX I called back to Apple Card ( Goldman Sachs ) through the Apple XXXX app ( duration 20 minutes ). I asked to speak to a supervisor immediately. I again explain the whole situation to her. She attempts to process the payment of {$4800.00} from ***** ( Account XXXX ) without success. She informs me that there is no way to force the process because the balance on the Apple Card is less than the amount we are trying to process against the bank. At this point the supervisor informs me that because we have been trying to resolve these issues through the weekend and not through regular banking hours that there is nothing more that we can do. She added notes about our call and suggests that I call ******* Bank in the morning during regular hours to stop payment on the bad transaction. She says that we will be unable to process a correct payment until the bad payment is cancelled in the next few days. She assures me that any interest charged will be reversed because we have a record that we have been trying to resolve this issue before the payment deadline. At XXXX AM XXXX ( XXXX AM XXXX ) XX/XX/XXXX I called ******* Bank to stop payment on the erroneous transaction for Apple Card XXXX Goldman Sachs ) ( duration 14 minutes ). I spoke with a female teller who helps me with the stop payment. She waives the usual {$14.00} stop payment fee. At XXXX PM XXXX ( XXXX PM XXXX ) XX/XX/XXXX The payment from XXXX XXXX finally drops off Apple Card ( Goldman Sachs ). An Interest Charge ( {$72.00} ) immediately shows up on the Apple Card ( Goldman Sachs ). At XXXX PM XXXX XX/XX/XXXX ( XXXX AM XXXX XX/XX/XXXX ) I called Apple Card ( Goldman Sachs ) through the Apple XXXX app ( duration 26 minutes ). The female agent was able to process the {$4800.00} payment against **** ( Account XXXX ). I requested that the {$72.00} interest charge be reversed as promised. To my dismay the female agent told me that she could only credit me {$25.00} as a courtesy. I immediately asked to speak with a supervisor to see about a refund of the whole interest amount. The female supervisor explained that she was only able to credit the same small amount but suggested that I could call back in the morning during regular banking hours and request to speak to a supervisor directly. At XXXX AM XXXX ( XXXX PM XXXX ) XX/XX/XXXX I called Apple Card ( Goldman Sachs ) through the Apple XXXX app ( duration 8 minutes ). I asked to speak with a supervisor directly. A female supervisor explained that she could not override the limit on the amount of credit that could be reimbursed. She did, however, offer to create a dispute that would be answered within 10 days. I consented to submit the dispute hoping for a positive resolution. At XXXX AM MDT ( XXXX PM XXXX ) XX/XX/XXXX I received an incoming phone call from Apple Card ( Goldman Sachs ) ( duration 5 minutes ). I can not recall the details of this phone call. This may have been a followup to verify details of the complaint about interest charges. At XXXX AM XXXX ( XXXX AM XXXX ) XX/XX/XXXX an email from Apple Card Support ( Goldman Sachs ) arrived on my computer. I did not notice or open this email until the afternoon of XX/XX/XXXX. The content of this email is that my request for refund the {$72.00} interest charge is denied. At XXXX PM XXXX ( XXXX PM XXXX ) XX/XX/XXXX XXXX began an online chat with Apple Specialist XXXX through a link in the denial email. I asked him to please connect me with a XXXX which he arranges. The supervisor, XXXX, has initiated another dispute for the interest charge. She says that it has been escalated up the ladder to the complaint department. At XXXX AM XXXX ( XXXX AM XXXX ) XX/XX/XXXX an Email from Apple Card denying my new claim arrives in email. At approximately XXXX PM XXXX ( XXXX PM XXXX ) XX/XX/XXXX I read the email stating denial of claim to remove interest charges. At XXXX PM XXXX ( XXXX PM XXXX ) XX/XX/XXXX I called Apple Card ( Goldman Sachs ) through the link in the email ( duration 32 minutes ). I asked the female agent to let me speak with a Senior Manager. She was glad to transfer me to a supervisor. I explained details of my transactions to the supervisor and asked to be transferred to a Senior Manager. The Supervisor told me that she would try to get me connected with someone in the XXXX Department. XXXX, the Apple Card Specialist for disputes, spoke with me at length about the issues I had in trying to make a proper payment for the statement balance before the deadline. I told her that I called and spoke with three different specialists and at least one supervisor at Apple Card ( Goldman Sachs ) before the XXXX PM XXXX deadline on XX/XX/XXXX. I told her that the supervisor on the last call that I made assured me that once we had resolved the payment issues and made the proper payment any interest charge would be reversed and that there would be no negative affect on my credit score. XXXX assured me that she would submit the dispute again with updated notes and told me that I should receive an email inviting me to submit more information. At XXXX AM XXXX ( XXXX AM XXXX ) XX/XX/XXXX an email from Apple Card ( Goldman Sachs ) arrived. At XXXX AM XXXX ( XXXX PM XXXX ) XX/XX/XXXX I read the email from Apple Card which again denied my claim to refund the {$72.00} interest charge. At XXXX AM XXXX ( XXXX PM XXXX ) XX/XX/XXXX I called Apple Card XXXX Goldman Sachs ) through the link in the most recent email ( duration 26 minutes ). I asked the female agent to speak to a senior manager and not a supervisor regarding the disputed interest charge of {$72.00}, however I was told that I could only be transferred to a supervisor. The supervisor, XXXX, came on the phone. I explained again how I had tried three times through phone calls with Apple to process a proper payment before the midnight deadline on XX/XX/XXXX. I make clear that in each case the specialist and even the supervisor were unable to process the payment because the bad payment was blocking their efforts Goldman Sachs ' systems were preventing us from processing a payment that would keep our account from becoming delinquent. I requested again that I be able to speak with a senior manager who would have the authority to remove the entire interest charge that was applied because of the failure in Apples ( Goldman Sachs ' ) system to allow a second payment of sufficient amount and on the right bank account to process. XXXX suggested that the escalation she was making might not have any different results than the requests that I had already made. I let her know that I am frustrated in not being able to speak with a senior manager and that these complaints are like being on a merry-go-round where I make a complaint, it is reviewed and then denied. I then make another complaint which is reviewed and then denied. I expressed my feeling that we are in a contest where I can only win if Apple ( Goldman Sachs ) gets tired and gives in. She assured me that she would put in the complaint that I have requested to speak with a senior manager and expressed hope that someone would call me. At this point I am beyond hope. My only request is to remove the {$72.00} interest charge and be certain that there is no negative impact on my credit score. How hard can it be?
Company Response:
State: UT
Zip: 84770
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: For many smooth years, I paid {$300.00} on the XXXX of every month to XXXX for my XXXX credit card using autopay from my credit union account. Then the process fell apart when Marcus Goldman Sachs recently bought the XXXX XXXX credit card XXXX. I carry a balance on my XXXX credit card which transferred from XXXX to Marcus in XXXX, XXXX Since Marcus took over, it has been a continuous nightmare because Marcus takes autopay deductions but fails to credit my account, e.g., Marcus took {$300.00} on XXXX, another {$300.00} again on XXXX, {$300.00} on XXXX, {$40.00} on XXXX and {$20.00} on XXXX. The lesser amounts are a complete mystery. Oddly, I did receive a {$300.00} refund on XXXX so someone at Marcus must have recognized the double autopay in XXXX was wrong but nothing else was corrected. Since XXXX I have called Marcus customer service but not received help. Eventually, Marcus filed a dispute to do an internal investigation which resulted in an email notifying me they were unable to locate my XXXX payments. No follow up, no offer of help. I restated my case at least 12 times on at least five different days to Marcus customer service reps and supervisors. My credit unions customer service rep has joined two separate hour long phone calls with me to Marcus but to no avail. One Marcus rep who couldnt take an electronic upload suggested I send my proof=checking statements via regular mail to To Whom It May Concern at their XXXX branch XXXX I even did this but no response. On XX/XX/2022 I filed a complaint against Marcus with the XXXX XXXX XXXX XXXX XXXX ). This was the only way I got a response from Marcus. Mediated by XXXX, I got a partial refund from Marcus equal to interest and late fees all erroneously charged because Marcus failed to credit my payments. Marcus still owes me the {$660.00} principal which they autodebited from my checking account but did not credit to me on XXXX, XXXX, XXXX and XXXX as detailed above. To protect myself, I had to close my checking account to get the Marcus autodebits to stop!!!!!. The last communication from Marcus in XXXX through XXXX instructed me to file a dispute with Marcus through my credit union for the {$660.00} which I did. At that point, XXXX emailed me : " While we regret we were unable to reach your desired resolution, the business has provided XXXX with its position. '' Then XXXX closed the complaint! I am grateful for the XXXX but looking for Consumer Financial Protection Bureau to finish what the XXXX could not. In XXXX I got voicemails from a Marcus manager who was " looking into it '' but no number to return the call! I still do not have the refund of {$660.00} or any way to know it is in process. Seriously? Marcus has no alternate expedited way to rectify their mistakes which date back to March but to use ( from my point of view ) an untraceable dispute process which leaves me waiting in the dark in XXXX?
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: For over 15 months I have tried unsuccessfully to resolve the issue of making sure that my Apple ID is consistent throughout the Apple network via the online methods provided. There are two issues surrounding the Apple Card. On XX/XX/XXXX, I contacted Goldman Sachs directly because of the ongoing problem with receiving paper statements when I do not want them and I was informed that they have an incorrect Apple ID associated with my Apple Card. It is unclear how this happened, but I have a theory which is more sensitive in nature to put here. The second issue is because the Apple Card will not link to my Apple services. After the phone conversation with XXXX XXXX I was told that the issue would be escalated and someone would be in touch in 3-5 days ( when in actuality he should have stated 10 days ). On XX/XX/XXXX, I contacted Apple directly because of these issues to see if they had a solution now that I had more information. I spent XXXX XXXX hours in an online chat trying to resolve the issues without resolution. A subsequent phone call was arranged that same afternoon, which also resulted in no resolution with XXXX. XXXX scheduled a return phone appointment for 5 days, which was not completed at the specified time. When he finally did call back it was still not resolved and now XXXX came up with yet a different reason that the problem existed. He subsequently put me back in touch with Goldman Sachs who stated that the timeline for the original resolution was 10 days and this was now XX/XX/XXXX. On XX/XX/XXXX XXXX from Goldman Sachs called and left a message in response to my XX/XX/XXXX initial call. I called XXXX back, but was not able to speak with him directly and again had to reiterate all the details of the situation. The Apple ID associated with Goldman Sachs is not accurate and according to Apple does not exist and thus I am unable to make this Apple Card/Apple product association work smoothly. This new person at Goldman Sachs stated that she would take the information and it would now be another 10 days. This afternoon ( XX/XX/XXXX ) Apple card called again and stated that I would have to close my account and apply for a new Apple card in order to have the issue corrected. My response was why would I impact my credit score with such a ridiculous solution. Upon receiving my mail today ( XX/XX/XXXX ) I had correspondence from Goldman Sachs stating that they take my complaint seriously and that they tried to contact me, but were unable to do so, but I should call again to seek resolution. Thus, I am filing my complaint.
Company Response:
State: CO
Zip: 80129
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A