Date Received: 2022-08-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My XXXX XXXX XXXX daughter made 11 transactions of {$84.00}, 1 of {$99.00}, and 1 of {$44.00}. Total of {$1000.00}. The card that I had for XXXX purchases was maxed out, so the back-up card was used, which is the one in question. She didnt know what she was doing, she thought she was using play money in the app. The very next day I was disputing charges and calling XXXX, because it was XXXX purchases made with an Apple Card. XXXX Specialists were able to dispute a few charges for me and other werent able to be disputed. The reason I was given was because that was they way the system was set-up. After days of calling customer service for XXXX and Goldman Sachs, I was able to dispute all charges. This week ( XX/XX/XXXX to XX/XX/XXXX ) Ive been getting emails that the charges are being reversed. Again Ive been on the phone for days with XXXX and Goldman Sachs customer service about these charges. The answer Im given is the team/department that makes these decisions do not interact with customers and that their system doesnt allow them to dispute those charges. My research tells me that the law says a child using your credit card for unauthorized purchases constitutes as unauthorized and should be refunded. At the end of the day, my daughter doesnt use that app, doesnt have access to the account, and has nothing to show for {$1000.00} in charges. Ive paid the balance of what I honestly owe. But can not close the account because they have reversed {$1000.00} charges.
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
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/XXXX, I made a purchase for immediate delivery for a total of {$1000.00} invoice XXXX. The items were not delivered for unknown reasons, but the app reflected a delivered status. I immediately filed a complaint with Goldman Sachs and the XXXX XXXX that same day. The next day, XXXX immediately cancel the order on XX/XX/XXXX transaction # XXXX. As of today, I have only received a refund for the taxes in the amount of {$56.00} and the delivery fee of {$9.00}. I have called and disputed the transactions and partial refund with the merchant and credit card company. They both continue to pass the blame the other and hold these cancelled transactions against my account. The merchant states the cancellation processed and Goldman continues to state the transaction was not received.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Goldman Sachs is violating my consumer rights under GLBA and FCRA. ( Please see attached notice )
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: REFERENCE APPLE CREDIT CARD GOLDMAN SACHS SS # XXXX On XX/XX/XXXX I disputed a charge of {$52.00} from XXXX XXXX We never received the goods so we disputed like any other consumer would. It has been over 45 days and still no feedback. Apple credit card has suspended 2x cards for no reason and can not tell me why, they can give me a credit card increase limit with my perfect credit score of XXXX. Apple makes no sense. I need my {$52.00} back to my card that I do not owe. As well stop suspended my credit cards for no legitimate reasons. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XXXX
Company Response:
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Someone used my card at XXXX XXXX for a pick up purchase. I disputed this with Goldman Sachs and they resolved the case in the favor of XXXX XXXX. I requested the evidence XXXX XXXX submit it to support that I made the transaction, and they sent me paperwork suggesting that XXXX XXXX had taken a copy of my ID, but never supplied me with the copy of my ID. I contacted Goldman Sachs regarding this on two separate occasions at both times they reasserted the dispute but then decided again that XXXX XXXX was right. XXXX XXXX has yet to supply the actual proof that I completed this transaction, they only state that they have the proof. Goldman Sachs has not required them to submit the proof.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
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: Made a purchase on XX/XX/XXXX from XXXX for 2x agendas and a notebook. I did not open any of the items and proceeded to return one of the agendas and notebook to XXXX. XXXX denied the return since they stated they had been opened ( they were not, they were in the same condition as they were in when I received them ) and XXXX told me to dispute with my credit card. I opened a dispute with Apple Card on XX/XX/XXXX and provided the required documentation the same day. I did not receive an answer on this dispute until XX/XX/XXXX that the dispute had been resolved in XXXX ' favor because I received the merchandise ( not the reason I filed the claim, the claim was because I was not being allowed to return the merchandise per XXXX ' return policy ). I asked for the claim to be reopened, provided more detailed information about the situation and submitted this on XX/XX/XXXX. On XX/XX/XXXX I received a response that the claim had again been denied. It then took another 2 1/2 months for the temporary credit to be removed from the card so I could pay it off and free up that credit. Horrible experience. Poor communication. None of the reps know what they are doing. If it wasn't because it was XXXX branded I would have canceled this card long ago.
Company Response:
State: FL
Zip: 33174
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XX/XX/XXXX I applied for Apple Card/Goldman Sachs Card . I made a few purchases with my Apple Card during these years, some where with 0 % APR and some where not. In XX/XX/XXXX I received this email, but did not see it until XXXX XX/XX/XXXX. Important message regarding Apple Card Monthly Installments. We understand that some customers expected to receive 0 % APR financing automatically when purchasing Apple products with their Apple Card. 0 % APR financing is available with Apple Card on eligible Apple products when customers choose to check out with Apple Card Monthly Installments while shopping on XXXX, the XXXX XXXX XXXX, or at the XXXX XXXX.1 If you expected to receive 0 % APR financing with Apple Card Monthly Installments when purchasing an Apple product from either Apple or an Apple Authorized Reseller,2 but you did not, we can help. If you contact us by XX/XX/XXXX, well be able to convert your eligible purchase ( s ) to an Apple Card Monthly Installment. To expedite your request, please be prepared to identify the transaction ( s ) for which you expected to get 0 % APR and have your receipt ready to provide to a specialist. Please chat with an Apple Card Specialist for assistance. In XX/XX/XXXX I contacted Goldman Sachs regarding this email because I wanted to have this message to be explained to me. In the attachments you will see the whole conversation I had with the representative. I would like to have my conversation with Goldman Sachs to be reviewed. I strongly believe that the representative did NOT explain to me my OPTIONS regarding the email and what it meant. I was around {$200.00} short of paying off my entire debt with Goldman Sachs after all these years. The representative was not CLEAR in informing me that converting these amounts will reverse my payments and they will hold my money for another 12 months and 24 months about which I learnt later in another message chat with another representative on XX/XX/XXXX. Moreover she informed me that ALL THE INTEREST WAS CREDITED BACK OF - {$1400.00}. I understood that this money is the money that I overpaid and will be credited back to me to my card/my bank account. ( Please, see all the conversation in the attachment ). In XX/XX/XXXX I called Goldman Sachs regarding the money being transferred and they assured me that the money will be on my card. In XX/XX/XXXX I contacted Goldman Sachs via messaging chat telling them that I still not have received the CREDIT back. The representative told me that I have installments open and they can not send the credit back. ( These installments are the ones that the 1st representative CONVERTED herself )!!! When I asked for a supervisor to look into situation she informed that UNFORTUNATELY, AT THIS TIME YOUR CREDIT WILL REMAIN ON THE ACCOUNT AND WILL BE USED TO PAY THE MINIMUM. She apologized if any MISINFORMATION WAS PROVIDED. ( Please, see the whole conversation in attachment. )
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Goldman Sachs ' migration of XXXX XXXX credit card accounts has resulted in illegally compounded interest, Intentionally withholding alleged balances due to collect future interest that is illegally accrued and compounded, falsely reporting to my credit bureau and then providing false responses to my complaints, to which I've attached a recording proving the responses to my concerns are completely false. I spoke verbally to a GS representative in XXXX with I asked for my total pay off due for the purpose of forever closing my acquired account with Goldman Sachs because they failed to properly migrate the acquired XXXX XXXX they bought from XXXX XXXXXXXX which resulted in adverse impact on former XXXX XXXXXXXX customers -- including me. XXXX*I specifically asked for the CURRENT PAY OFF AMOUNT TO SETTLE MY ACCOUNT '' I was provided with a total of over {$3800.00} which I paid over the phone on XX/XX/2022. I was informed this would completely pay off and resolve my account as I had previously complained multiple times regarding all the issues Goldman Sachs acquisition of my account from XXXX XXXX. NOTE : I actually CLOSED my account in XX/XX/2022 because of these issues, they continued to have system errors or choose to not run my autopayments which is the precise reason I said I wanted to pay off -- to avoid them damaging my 800+ credit score. Now, Goldman Sachs is claiming they are permitted by law to purposely not disclose the full amount due at the time a consumer requests it. I reviewed my account, and Goldman Sachs assessed {$23.00} in interest on XXXX XXXX, THREE WEEKS after I paid off.They claim it was for purchases made in XXXX, but as you can see from the attached documents, I didn't have purchases in XXXX, there were no purchases made after the payment was made and I paid the full amount due and nothing else is due. You will also see GS compounded interest on interest and charged XXXX cents as well as XXXX in interest, for a total of XXXX in penalties which is higher than the alleged fake interest which is also a violation of the CARD ACT. As you can see from the attached screenshots, there were NO Purchases NONE. They claim interest of XXXX wasnt disclosed because I purchased something totalling XXXX? Didnt happen. The interest is illegal. GS is trying to collect another {$46.00} from me, in an unconscionable and unethical attempt to continue to harm me. It has since added late fees in excess of the illegal interest they are attempting to charge me. What a disgusting illegal and unethical company. I paid SPECIFICALLY due to this company INTENTIONALLY not processing my autopayments so it could illegally charge late fees. I SPECIFICALLY complained about the incompetence and unethical behavior and SPECIFICALLY shared that I wanted the TOTAL AMOUNT DUE AT THE TIME I PAID -- I asked WHAT IS DUE TO GET AWAY FROM GS? Why would the rep not disclose the total due at that time? Why would the rep not disclose " There will be another bill of 'trailing interest ' if that was the case? Additionally I had spoken with MULTIPLE managers after that time because they reported me late to the credit bureau which I then had to file a complaint about. Their response was " NO WE DIDN '' T but the attached recording proves they did and they noted in their system that THEY DID. Why would the CFPB allow this complaint to be closed and force me to file ANOTHER complaint when I have evidence that COMPLETELY CONTRADICTS THIS RESPONSE. I am FED UP AND THIS IS NOT EVEN CLOSE TO BEING RESOLVED. The balance needs to be waived, I need something inwriting stating the same and hten for GS to never ever ever ever ever contact me again.
Company Response:
State: IN
Zip: 470XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have had an abysmal experience with the Goldman Sachs Apple Card. I have always paid my bill in full and on time. Last month, through no fault of mine, the payment showed up late, because of the way my bank sent it. I called both GS Apple Card and my bank to try to trace the check, and when it still hadn't shown up two days after it was due. I had my bank issue a stop payment on the check and paid my balance in full through a direct payment from my bank that day. The customer service reps with whom I spoke at GS told me that because this was a fluke and not my fault they were waiving the interest, and the two months of interest that is part of their policy if you are late on a payment. ( Apparently, you have to make two months of full payments on time for them to stop charging you interest following a late payment. ) I thought everything was settled satisfactorily after that phone call. And then a week later, I see an interest charge in the amount of {$26.00}. I called GS on XXXX XXXX and was told that interest charge would be taken care of and that it was a mistake. I waited 48 hours and saw it was still there. When I called again today ( XX/XX/11 ), I was told the interest charge did seem odd and that they would look into it, but that I would still be responsible for the two months of interest. I told them I had been told differently and that I thought this was unfair, given my impeccable credit history with them and in general. They wouldn't budge, so I said I would like to cancel the card. They offered to put a dispute in regarding the interest charge, but again said they couldn't waive the two months of interest. When I asked if I would continue to accrue interest while I waited for the dispute to be resolved, I was told yes. I replied that I would rather just close the account and pay off the balance today. They closed the account, and when I went to make a final payment, the Apple Card app ( through Apple wallet ) wouldn't allow me to pay the full amount. I called them back and asked why I couldn't pay, and I was told I couldn't pay through the app at all ( not true ) and that I would have to pay through bill pay or with another credit card. I hung up, paid as much as I could through the app and scheduled a bill pay payment for the rest through my bank to be delivered tomorrow. Granted that this whole experience is only costing me about {$30.00}, I do want to share my disappointment in their policy ( which feels predatory ) and in their customer service staff who were all very nice, but told me different things each time I called. Thank you for your time.
Company Response:
State: ME
Zip: 045XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: When you log into your account there is a " virtual card '' feature to get a virtual card number to use in certain situations where you might not want to give your actual physical card number due to fraud concerns. The only way to access this virtual card is through a phone number which if Iam not home I cant get access to the virtual card. There use to be an option to have the security code e-mailed to you, I need that feature back or I am being discriminated against for not having a cell phone. I can not use this feature unless I am home. I opened a ticket XXXX but they never responded
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A