Date Received: 2022-08-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/22 I received an email from Goldman-Sachs saying I could add a family member to my credit card account. When the family member then used the card for a purchase, they would receive {$100.00} in XXXX XXXX, as this is an Apple Card credit card. I added my husband to the account. He made his first purchase on XX/XX/22. We received {$0.00} in XXXX XXXX as the 2 % earned from the purchase, but never received the {$100.00}. My husband and I have text and called tech support numerous times. We were first told we didn't qualify for the promotion. When I reread the email I received out loud to them, they agreed we did qualify. At that point they said we only qualified {$50.00}. I again reread the email to them, where it stated nothing about {$50.00}, only {$100.00}. They agreed that it was supposed to be {$100.00} and we did actually qualify. They said to wait a few more days and it would be in the account. After another week, I reached out again and was told the same thing as the first time, I reread the email several times and was told to wait a few more days. When we didn't receive it again, I reached out again and I opened a dispute. I was told it would be XXXX business days before I heard something. After 5 business days I called and was told the dispute was closed because the money had been paid out, even though we hadn't received it. At this point, they sent us over to Apple Support to have them look at our account. Apple Support did a full review of the issue and came back saying it was an issue on Goldman Sachs end. They called Goldman Sachs with us on the line and told Goldman Sachs it was not an issue with our accounts or the Apple system, but it was an issue with Goldman Sachs. The representative at Goldman Sachs said she could see the promotion had been paid out, but for whatever reason hadn't been put in the actual Apple Cash account. At that point, Goldman Sachs opened a tech ticket. This morning I received an email saying the ticket had been resolved and they had been trying to reach us. We never received a call. I called the number on the email and was told a tech ticket was never opened. I offered to give them the case number for the tech ticket and was told there was no way to look the number up in their system in that department. I asked to be put through to a department that could look it up and was put through to a supervisor. The supervisor said the cash had been paid out, she couldn't see a tech ticket, and she couldn't look up a tech ticket case number. She connected me back to Apple Support and hung up. We still have not received the promotional money. Goldman Sachs is the only one who can see this supposedly paid out transaction. At this point we have opened a dispute, an Apple Support ticket, a Goldman Sachs tech ticket, and not a XXXX XXXX ( the company that handles Apple XXXX XXXX ) support ticket. The other companies continue to say it is a Goldman Sachs issue, yet Goldman Sachs refuses to pay out the promotional credit. I even said we'd take it as a credit on our bill, but they have refused.
Company Response:
State: NH
Zip: 034XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
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: My wallet was stolen at my gym and inside of it was both my XXXX credit and debit card, my license/SSC and my XXXX XXXX XXXX credit card. I informed my gym that my wallet was missing but, nothing ever turned up. Shortly thereafter I started receiving email notifications of unusual activity but, this was in between XXXX XXXXXXXX being taken over by XXXX XXXX and I feel as though my issue fell through the cracks ; it was very difficult to get through to their customer service due to all the changes they were making and I would respond to emails marking charges as suspicious but, the only response I would get was to call in. The unauthorized charges still persisted, that is until charges were made out of state. Once the out of state charges came XXXX XXXX finally locked my card. There are multiple charges out of state. I started receiving packages, here and there, from places I had not shopped ; I contacted vendors informing them of the fraudulent purchases yet, they refused to work with me and pointed me back towards my financial institution. I have returned the few unauthorized items I received AND I STILL HAVE NOT BEEN REFUNDED. Ive called MULTIPLE times to get the matter straightened out ; Ive spoken with agents who are all telling me different things, some say we need to reassert the disputes to rectify the situation others are saying they can reassert the transactions but, nothing will change. I speak with managers who are rude who conveniently have computer problems and can no longer help me. The reason my address is on these purchases is because my license was in the missing wallet. My SSN has already been used to fraudulently open an unauthorized credit card. I will not be held responsible for the EXCESSIVE and clearly FRAUDULENT charges on this card. I never wanted a credit card with XXXX XXXX and this is why! XXXX XXXX has horrible customer service, they insinuate a charge is mine because of an address. I have documentation of emails with vendors that can not locate these transactions because the personal information I am providing doesnt match the transactions madeso how can they be mine and I be the one held responsible??? I have filed a police report for identity theft, fraud and I had to buy a new license. XXXX XXXX needs to stand behind their customers!! This is negligent ; XXXX XXXX has NEVER treated me this way and situations like this make me regret continuing to do business with XXXX XXXX. This company doesnt have heart or morals. Instead all theyve done is run my name into the ground and mock me by letting someone ( s ) get away with stealing. I was informed that my SSN has been used to open up fraudulent credit cards. This is a legitimate problem, someone is using my credit cards and address to make unauthorized purchases. I have filed a police report and this matter needs to be rectified with XXXX XXXX.
Company Response:
State: GA
Zip: 30680
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
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: My wallet was stolen at my gym and inside of it was both my BofA credit and debit card, my license/SSC and my XXXX XXXX XXXX credit card. I informed my gym that my wallet was missing but, nothing ever turned up. Shortly thereafter I started receiving email notifications of unusual activity but, this was in between XXXX XXXX being taken over by XXXX XXXX and I feel as though my issue fell through the cracks ; it was very difficult to get through to their customer service due to all the changes they were making and I would respond to emails marking charges as suspicious but, the only response I would get was to call in. The unauthorized charges still persisted, that is until charges were made out of state. Once the out of state charges came XXXX XXXX finally locked my card. There are multiple charges out of state. I started receiving packages, here and there, from places I had not shopped ; I contacted vendors informing them of the fraudulent purchases yet, they refused to work with me and pointed me back towards my financial institution. I have returned the few unauthorized items I received AND I STILL HAVE NOT BEEN REFUNDED. Ive called MULTIPLE times to get the matter straightened out ; Ive spoken with agents who are all telling me different things, some say we need to reassert the disputes to rectify the situation others are saying they can reassert the transactions but, nothing will change. I speak with managers who are rude who conveniently have computer problems and can no longer help me. The reason my address is on these purchases is because my license was in the missing wallet. My SSN has already been used to fraudulently open an unauthorized credit card. I will not be held responsible for the EXCESSIVE and clearly FRAUDULENT charges on this card. I never wanted a credit card with XXXX XXXX and this is why! XXXX XXXX has horrible customer service, they insinuate a charge is mine because of an address. I have documentation of emails with vendors that can not locate these transactions because the personal information I am providing doesnt match the transactions madeso how can they be mine and I be the one held responsible??? I have filed a police report for identity theft, fraud and I had to buy a new license. XXXX XXXX needs to stand behind their customers!! This is negligent ; XXXX XXXX has NEVER treated me this way and situations like this make me regret continuing to do business with XXXX XXXX. This company doesnt have XXXX or morals. Instead all theyve done is run my name into the ground and mock me by letting someone ( s ) get away with stealing. I was informed that my SSN has been used to open up fraudulent credit cards. This is a legitimate problem, someone is using my credit cards and address to make unauthorized purchases. I have filed a police report and this matter needs to be rectified with XXXX XXXX.
Company Response:
State: GA
Zip: 30680
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have called APPLE CARD XXXX GS BANK USA credit card a couple times asking them to check on a credit card that was opened fraudulently. I gave them my personal information and they told me my info doesn't match with what they have. It proved that my identity was stolen and use to open this credit. I also called XXXX XXXX and told them my situation. I have filed 2 complaints with XXXX and both times I was told this credit card was mine. XXXX told me they have sent my info over to Apple Card -GS bank and that it matches my personal information, but when I called Apple GS they tell me a different story. I want to clear this because I know I did not open this Apple Card and it has really impacted my credit score. I also took extra steps by freezing my credit.
Company Response:
State: TX
Zip: 77304
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
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: I was sent a third party text link from a stock pick company XXXX This text sent to my phone only had a simple credit card form to fill out for payment. This wasn't completed on the merchants website at all. When I got access to this information, I immediately requested a refund seeing this isn't what I was told it was to be. This company told me they don't honor refunds. I immediately filed a dispute with Goldman Sachs ( Apple Card ). Apple Card accepted this companies generic website pages as proof of purchase. I have asked over and over again for proof of me accepting a no refund policy as again this transaction NEVER occurred on this website, again all done via a third party text message link for credit card input. They have NEVER provided this proof as you must select the box as agreeing to their terms which again never happened. Since filing a dispute, this company that took my {$4500.00} has blocked my access and deleted my account. I have supplied Apple Card with this information and they yet refund my money. I have contacted XXXX many times via email, text, and they won't respond to me. They have again blocked my account, this is FRAUD!! This XXXX company has FRAUDED me out of {$4500.00} and I want my refund. I have tried many times resolving this with Apple Card, today I simply asked for my account number so I may include it in this dispute, they refused to provide me with this information. Goldman Sachs has failed to protect me the consumer allowing a company fraud me out of {$4500.00} when I have clearly supplied evidence XXXX has deleted my account and disabled my account since I submitted a dispute with that company. The document included shows my account has been deleted and disabled. Goldman Sachs just now provided me with my account number. This needs to be refunded 100 %!!
Company Response:
State: TN
Zip: 37615
Submitted Via: Web
Date Sent: 2022-08-17
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: I accidentally made an online bill payment to my GM Card ( Goldman Sachs Bank USA ) for {$6300.00}. This payment should have been to another credit card I use frequently. When I recognized the error I call on XX/XX/XXXX and spoke to a rep who said they would send a refund check. I should receive it in 14 days. I never received the check to my knowledge OR I accidentally threw it away. In either case I never cashed it. I have called MULTIPLE times. No one can help. I am on hold one hour at a time. Many incident reports are opend. No one ever calls. I received a letter dated XX/XX/XXXX that the case has been resolved correctly. I immediately called spoke to a rep in disputes who said another check would be cut and sent and received in 5 business days. When it didn't come I called again and was told they don't know what to do. It was suggested they create another incident report. When I said please no they said they would create a L2 report (? ) and someone would contact me. Please help. I just need someone to see the check wasn't cashed stop payment on the old and issue a new one. No one at GM can help. I don't know what to do.
Company Response:
State: MO
Zip: 63119
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX months ago I applied for the apple credit card through the apple wallet app. It said I was denied due to the fact there was an account already open. I had gotten sent a number to contact the company about fraud. I spoke with a man about the fact I have never used/received a card from the company. He proceeds to tell me the name on the card and it happened to be by someone, a man, I have never heard of in my life. I told him I didn't know the person and it wasn't me. He canceled the card, said it would be under investigation and to apply for it again in XXXX days to get myself the card. Sometime in XXXX I applied again and the same thing popped up. So I did the same thing and called the company, went through the same process. XXXX I applied again. Same thing happened AGAIN. So I sat on the phone with the company but this time I tried to get information to file a police report. The company wouldn't tell me anything about the person nor give me reports as evidence to build a case. They kept hanging up on me and I kept calling back repeating myself for an hour straight. I wasn't getting anywhere with them. Finally I gave up and filed a police report last month in XXXX to the XXXX XXXX sheriffs office. I called yesterday to check on my case and they told me it was inactive because there wasn't enough evidence to further the investigation. The number I have been calling for apple is XXXX.
Company Response:
State: FL
Zip: 33907
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I bought two XXXX from the XXXX XXXX XXXX XXXX store. I got charged to my XXXX credit card for two XXXX and get the receipt right away. This is how business should be done. I bought another two XXXX at the XXXX, MN XXXX store. I got charged for FOUR XXXX on my Apple Card AND without a receipt. AND later on there's another illegal charge on the Apple Card. Please see attached screenshots. XXXX representative contacted me after a complain was file with the CFPB ( XXXX ) sent me a wrong receipt and claim there's neither double charges nor illegal charges. The receipt shows the purchase of two XXXX ( with wrong color ) but the charge on the Apple Card was double - four XXXX. If there's no double charges and illegal charges why was money taken from my bank account? XXXX XXXX XXXX can provide evidence of this money taken out from my account.
Company Response:
State: MN
Zip: 55414
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
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: Im writing to Dispute a Billing Error in the full statement balance of {$4400.00} which includes payments posted XX/XX/2022 Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2022 I went to an XXXX XXXX to purchase a new XXXX that cost {$1000.00}. I was informed I could make interest-free monthly payments on this purchase by opening an Apple Credit Card to make the purchase. Which sounded good to me. So in the store, I applied for and was instantly approved for the Apple Card, but when I went to make the purchase I was informed I could only do so if I was activating the phone in-store. This was not possible because my wife is the account holder on our XXXX XXXX XXXX account and she was not with me at the store. Now I was stuck with a new credit card that I was only interested in because of the interest-free payment option. And canceling the card after just applying for it would hurt my credit rating.
Company Response:
State: TX
Zip: 78746
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A