Date Received: 2022-08-10
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 purchased an XXXX XXXX with XXXX XXXX via XXXX for store pickup using my Apple Card issued by Goldman Sachs. I realized immediately upon receiving confirmation email that I ordered the wrong model. I cancelled the transaction and placed a subsequent order for the right model. I then proceeded to pick up correct model but noticed that my transaction for the first order was never reversed from my card. The total amount was {$190.00}. I disputed the transaction on XX/XX/XXXX ( XXXX ) when I thought was a reasonable time for the refund to occur. You can reference the XXXX with the order details and my email and see that they state the order was cancelled. Apple representatives said it was not an issue on their side but revert back to Apple Card Support. I received word on XX/XX/XXXX that the transaction was not resolved in my favor. I again attempted to resolve through several calls both with Apple directly as well as with Apple Card Support aka Goldman Sachs. The dispute was reopened on the XXXX of XXXX ( XXXX ). I followed up several times via chat and phone again only to be notified on XX/XX/XXXX that the transaction was not resolved in my favor despite providing all the documentation with screen shots of the website proving I never received the order. I again, reopened a dispute ( XXXX ) and talked for hours to their customer support. They confirmed it all sounded logical and assured me that it would be taken care of this time. On XX/XX/XXXX I received word of a split decision and they found I somehow still owed {$120.00} due to the fact they had credited me for the XXXX XXXX for {$31.00}. I again opened a dispute ( XXXX ) but had already cancelled the card ( which I was worried would impact my credit rating ). Regardless, I decided this was not representative of the brand promise of Apple nor a company I would like to work with. I wish the story ended her but again after providing again the documentation of screen shots ( all via email ), on XX/XX/XXXX I received a notice from Apple Card Support that they reached a split decision and they claimed I already received credit from the merchant for the amount of {$31.00}. At the end of the day, I did not have to pay for the full amount of the order but I was out of pocket for some of it despite never receiving the item and only through my persistence. In addition, I was out a lot of pain and suffering due to the number of calls and aggravation. It was one of the worst customer experiences I have ever had and it was a clear cut case. I cant even imagine what it would be like in a real fraudulent case and would fear for any consumer who has to work with them. Therefore, I share my experience in hopes it can help others.
Company Response:
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My credit card account was originally with XXXX ( XXXX XXXX ) XXXX XXXX. Then Goldman Sachs took them over. I had a {$14.00} balance on the account. On XX/XX/2022, I attempted to pay off the balance. I made a phone payment and the agent said that they payment had been received. On XX/XX/XXXX, I got an email saying the the payment had NOT been received. On XX/XX/XXXX, I attempted again to make the payment, with the same result : The agent told me that the payment had bee received but a few days later, on XX/XX/XXXX, I got an email saying the payment had NOT gone through. Now I am being charged overdue fines because in Goldman 's eyes, I did not make the payment. I have spoken with their customer service department a couple of times and during one of theses conversations, the agent told me that they could not waive the late fees, and that somebody would call me about it. However, I live overseas, so getting through to me can be a bit of a challenge, so perhaps they DID try to reach me and couldn't get through ; I acknowledge that that is a possibility. In my last conversation with an agent ( Wednesday, XX/XX/XXXX ), they told me that they would try to dispute the late fees ( which is kind of odd, since this is an intra-agency dispute ) and that it would take time, so much time that ANOTHER late payment fee would probably be added in the meantime. I asked how much of a payment I would need to make to avoid this and was given a figure of at least {$80.00} ( I don't remember the precise number ). I told the agent that I didn't think this was fair at all, and that I thought Goldman was engaging in predatory practices, and that I would NOT pay.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
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: Two charges were disputed 1. Was to XXXX on XX/XX/XXXX for XXXX XXXX. Was XXXX on XX/XX/XXXX for XXXX. I disputed both these transaction as fraud. Goldman Sachs did not file the dispute for either charge when I called. They issued me new card numbers when I called in XXXX and XXXX. I had to call back again on XX/XX/XXXX to find out no dispute had been submitted. On XX/XX/XXXX a representative told me they had not been submitted. I transferred to a supervisor who changed the story and told me they had, but couldnt explain why I hadnt received any information on the dispute.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a credit card with Apple Card which was managed by Goldman Sachs. I had a transaction with XXXX merchant posted to my account. The order was shipped with only half of what was paid for and the shipment was returned to the merchant per XXXX XXXX return policy. Merchant shows shipment returned and that credit was to be issued. Credit was never issued by merchant via XXXX. I then contacted Goldman Sachs via Apple Card support and summited dispute and provided proof of the authorized return and lack of getting credit for the return. Goldman Sachs kept closing dispute with inconsistent reasoning ( order was received or verified when this was never disputed ). I full paid my account and closed the account with Goldman Sachs ( Apple Card ) with revocation of authorization for any further activity or charges on the account. Almost a year later, Goldman Sachs took funds from my bank account without authorization to satisfy an unknown transaction. My bank processed a dispute and returned these funds to me. Shortly after this occurred, Goldman Sacks again took funds from my account ( under XXXX dollars ). I again filed a dispute with my bank and they returned the funds to me and changed my account number to prevent any further unauthorized access. Not long after this happened, Goldman Sachs reported me as having a late payment for {$1.00} on my credit reports. All attempts to contact Goldman Sachs and get documentation of transactions have been fruitless. They again on the phone that what occurred isn't right and state they will email or mail statements to me with corrective action but nothing ever happens. My credit score went from XXXX to under XXXX overnight. I not only ended up paying for an XXXX shipment that was incomplete and which was returned and now I have suffered because of Goldman Sachs inability to properly process Reg E dispute.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is not a third party! According to 15 U.S. Code 1666 ( a ) ( 1 ) ( 2 ) ( 3 ) - Correction of billing errors, on my consumer report there are unverified and inaccurate late payments reporting for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. I was incorrectly billed and I have proof. Please review attachments!
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: For my XXXX Statement ( XXXX XXXX ) with Apple Card ( serviced by Goldman Sachs ), XXXX was charged interest in spite of paying more than the balance. My payments were also on time. Here are the details I see on the Apple Card app and the statement. Previous Total Balance : {$3900.00} New Spending : {$3400.00} Interest Charge : {$63.00} Payments and Credits : XXXX I made higher payments than my existing balance and was still charged interest. When I checked my XXXX statement, it confirms that I had paid all my XXXX balance so not sure where this XXXX interest originates from Previous Total Balance : {$2800.00} New Spending : {$3800.00} New Spending : {$0.00} New Spending : $ XXXX I spoke with the Apple card team on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to seek a resolution for this case. The Apple team did not assist with correcting the statement or reversing the interest fee. In addition, this fee also negatively impacted my credit score. On further analysis, i found that the Apple card statements are inaccurate as they don't reflect the amount due shown on the Apple XXXX XXXX, and their " Monthly Balance '' and " Total Balance '' amounts are different, which leads to confusion of the amount to be paid to avoid any interest fee.
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Made a {$100.00} purchase at a website that i realized was fraudulent. I was unable to contact the store to cancel the order so i turned to Goldman Sachs/Apple card to cancel the payment. They originally refunded me, but then came back to let me know that things had been delivered to me and that i was responsible. I let them know that this was not the case and that the merchant had provided a fake tracking number. This was also given to me on print so small that I had to use a magnifying glass to read it. They then rejected my claim for a final time. I lost {$100.00} to a fake store.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
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 have XXXX charges on my Apple Card account which is managed by Goldman Sachs. Each are in the amount of {$4.00}, charged on XX/XX/2022, XX/XX/2022, and XX/XX/2022. I have made several attempts to contact Goldman Sachs to explain that the associated products were returned to Apple store and therefore the charges need to be refunded. Over XXXX months later, the charges were not refunded.
Company Response:
State: MI
Zip: 48306
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS IS RIDICULOUS!!! I am unfamiliar with this account! Why is it being reported on my credit report? I'm looking for verification of this account! No contract exists between me and this account. I will sue you for the anxiety you have caused me!
Company Response:
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
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, I notified the financial institution of an unauthorized ( erroneously ) charged merchant transaction. ( XXXX Consumer Credit Card ) The financial institution opened the dispute under the following case number. ( case number : XXXX ). However, the financial institution violated and failed to comply with 1005.11 ( c ) ) ii ) ( Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation ; ) code of the Federal Regulations, and the financial institution 's behavior established an Unfair Business Practice and caused the customer a disadvantage.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A