Date Received: 2022-05-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I traveled to XXXX from XXXX XXXX XXXX and attempted to use my card. It was declined and then my account was locked. I have tried to contact them twice, on XX/XX/XXXX and XX/XX/XXXX. I have been told both times that my account is under review and someone will be in contact with me. They are unable to give me a timeframe when this will happen. When I called on the XXXX I asked about the process to close my account. I was told that this is not possible until they complete their review. This is ridiculous that I am forced to keep a credit card under my name that I do not want, with a company that can not provide basic information.
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have had an Apple Card with Goldmans Sachs for about a year now during the Coronavirus crisis I used it as emergency funds to stay afloat and maxed it out. Recently I have gotten back on my feet and was able to pay it off over a total of {$5000.00} to get the balance to XXXX. XX/XX/22 - {$4000.00} payment XX/XX/22 - {$1300.00} payment Today is XX/XX/22 funds from the second payment were supposed to be released XX/XX/22. I have been contacting Apple Support everyday for a week now to no avail. Why am I having to wait to use my money when I have paid off all debt owed to get my balance back to XXXX. This is ridiculous and nobody is helping me.
Company Response:
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I opened an Apple Card account with Goldman Sachs Bank in XX/XX/XXXX, but I havent been able to use the card even once, as some sort of block seems to have caused my every attempt at making a transaction to be declined. I have attempted purchases in all three ways that this card can be used : 1 ) with the physical card ; 2 ) through the XXXX app on XXXX devices ; 3 ) using the sixteen-digit card number and CVC to make an online purchase. Nothing has worked. I have contacted Apple Card repeatedly about this problem, and in each instance Ive been told that the account appears to be in order and should work normally. Periodically I attempt a purchase to see if anything has changed. Im guessing that this block may have something to do with an issue I encountered previously with Apple Card, which involved my account being erroneously closed. That issue was dealt with by Goldman in response to a CFPB complaint filed in XX/XX/XXXX.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX and I am filing this complaint on my own accord. There is no third party involved. I recognize that I am a natural person and federally protected consumer. The following is a recount of communication regarding fraudulent alleged debt, being collected by GOLDMAN SACHS BANK- as written in my post recently delivered Affidavit of NonResponse, delivered XX/XX/2022. Every statement below was sworn, notarized and delivered to Goldman Sachs BANK via XXXXXXXX XXXX XXXX XXXX. The Affidavit was sworn and notarized on XXXX, XXXX On XX/XX/2022, I certified mailed a Validation of Debt and Identity Theft Report, attached as Exhibit A, and Cease and Desist letter, attached as Exhibit B, XXXX XXXX XXXX XXXX # XXXX to GOLDMAN SACHS BANK XXXX who received these letters on XX/XX/2022 as evidenced by Exhibit C. On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call to my personal cell phone, violating my demands for Cease & Desist. See exhibit D. On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call & left a voicemail message on my personal cell phone, violating my demands for Cease & Desist. See exhibit XXXX. Respondent had failed to reply NOR comply to the Cease & Desist and Validation of Debt letters within the stated time period for response of 10 days, so I submitted a CFPB complaint ( XXXX ), on XX/XX/2022 attached hereto as Exhibit F. On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call & left a voicemail message on my personal cell phone, violating my demands for Cease & Desist. See exhibit G. On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call & left a voicemail message on my personal cell phone, violating my demands for Cease & Desist. See exhibit H. On XX/XX/2022, I compiled an Affidavit of Truth, attached hereto as Exhibit I, and certified mailed to GOLDMAN SACHS BANK ( certified tracking number : # XXXX ). On XX/XX/2022 GOLDMAN SACHXXXX BANK received the sworn, witnessed and notarized Affidavit of Truth delivered via certified mail ( certified tracking number : # XXXX ) attached hereto as Exhibit J. Respondent had persisted in failing to reply NOR comply to the Cease & Desist and Validation of Debt letters within the stated time period for response of 10 days, delivered on XX/XX/XXXX. so I submitted a CFPB complaint ( XXXX ), on XX/XX/2022 attached hereto as Exhibit K. The CFPB notified me on XX/XX/2022 that GOLDMAN SACHS BANK had responded to CFPB complaint ( number XXXX ) and the case was closed with explanation. See exhibit L. On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call to my personal cell phone, violating my demands for Cease & Desist. See exhibit M. On XX/XX/2022 I received a packet including a titled Validation Letter including previous account statements sent without my request from GOLDMAN SACHS BANK : dated XX/XX/2022, attached hereto as Exhibits XXXX This packet failed to provide the information demanded in the validation of debt. On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call to my personal cell phone, violating my demands for Cease & Desist. See exhibit O. On XX/XX/2022, Respondent had failed to reply NOR rebut to the Sworn and Notarized Affidavit of Truth within the stated time period for response of 10 days, delivered on XX/XX/2022, so I submitted a CFPB complaint ( XXXX ), on XX/XX/2022 attached hereto as Exhibit P. On XX/XX/2022 I Certified Mailed an Affidavit of Non-Compliance with attached exhibits certified tracking number : # XXXX to GOLDMAN SACHS BANK XXXX including a statement of 18 facts for how Respondent has failed to comply with my written demands, and continues to violate my rights as a consumer. See Exhibit Q. GOLDMAN SACHS BANKS received these letters on XX/XX/2022 as evidenced by Exhibit R. On XX/XX/2022 I certified Mailed a Notice of Fault & Opportunity to Cure letter certified tracking number : # XXXX to GOLDMAN SACHS BANK XXXX This letter includes 8 statements of fact to the fault of GOLDMAN SACHS BANK for failing to comply to my written demands in delivered Validation of Debt Letter ( Exhibit A ), nor responding or rebutting received Sworn and Notarized Affidavit of Truth ( Exhibit J ). This Notice was received on XX/XX/2022. See Exhibit S. The CFPB notified me on XX/XX/2022 that GOLDMAN SACHS BANK had responded to CFPB complaint ( number XXXX ) stating The Bank conducted an investigation and confirmed no error occurred. The case was closed with explanation. See exhibit P. On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call to my personal cell phone, violating my demands for Cease & Desist. See exhibit T. To date, XX/XX/2022, the account ending in XXXX is still being disputed and still continues to negatively report on my personal credit report. See exhibit U for XXXX credit report updated on XXXX XXXX To date, XX/XX/2022, GOLDMAN SACHS BANK has continually been unlawful and have continually failed to comply as GOLDMAN SACHS BANK has failed to provide the documents that were originally demanded in the validation of debt letter to including : identifying the original creditor, verification of the claim against me ( a sworn affidavit or hand signed invoice ), copies of the contract or any documents signed by both parties in wet ink that prove I agreed to pay the alleged debt, and validation of the alleged debt ( the actual accounting ). To date, XX/XX/2022, GOLDMAN SACHS BANK has continually been unlawful and have continually failed comply with demands stated in the original cease and desist and validation of debt letter to include : zeroing out the balance of the account ending in XXXX, leaving the account open and in good standing, deleting the accounts reporting from all consumer reports, and ceasing all forms of communication.
Company Response:
State: WA
Zip: 98029
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My Apple Credit card by Goldman Sachs was restricted because I was having some trouble financially and I accidentally went over my credit limit. I paid the balance in full on XX/XX/2022. I originally reached out to customer service after paying this to ask about my restriction being removed and was told a review would be completed by XX/XX/2022. I heard nothing back from the company on this date and after the balance was paid in full I still was still charged {$24.00} in interest on my monthly statement for XX/XX/2022 when my balance was at {$0.00}. I paid the {$24.00} In interest even though I wasnt supposed to be charged interest. I contacted the company on XX/XX/2022 to ask about the restriction being removed and was told my account is still under review and they were working diligently to remove the restriction. I understand these things can take awhile so I waited patiently for another month without hearing anything back from the company. I reached out to customer service again on XX/XX/2022 to ask about the status of the restriction being removed. I got the same response as I did back on XX/XX/2022 Someone will contact you shortly Another month went by and I didnt hear anything so I contact the company again on XX/XX/2022. I got the same response the case has been escalated and we will work on removing your restriction At this point it has been XXXX full months that I paid off my card and had a {$0.00} balance and I need to get the restriction removed so I can use the credit card to book a car rental for a wedding because the car rental agencies do not accept debit cards for rentals. I called XX/XX/2022 - case is escalated and I will be contacted in 24-48 hours. Contacted them again XX/XX/2022 - Once I speak with a supervisor my account will be restored they gave me another XXXX hour window. Contacted customer service on XX/XX/2022 - Said wait by my phone I will be getting a call from supervisor in XXXX - XXXX minutes. XXXX hours later I havent received a call so I called back. Manager answered the phone and said there is no time frame but they will escalate my case. Contacted XX/XX/2022 - same response my case is escalated and I will receive a call back in XXXX - XXXX hours. Contacted XX/XX/2022 - Said they are working on removing my restriction today and will contact me back shortly. I still have gotten absolutely no response from Goldman Sachs and it seems like every time I contact them I get the same response acting like this is the first time Ive called them with this issue. They wont provide me any information other than we cant give any information but you will be contacted soon It seems like I just keep getting lied to by customer service every time I call.
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Problem when making payments
Subissue:
Consumer Complaint: Made a XXXX payment thinking it would cover 3 months, now they say it only covered one month. No provision to defer payments to cover their mistakes. Now going to report account 30 days late to compound the situation.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I requested an audit on my account, and I did not receive the results in the time promised of 10 days. I reviewed my account history and performed an audit myself, and I discovered I had been overcharged for interest and charges that I did not make. I called the company, and the customer service is poor, and there is a huge communication gap, which is the problem. I opened previous complaints, and the matter has not been resolved. I tried to close my account, and they still want to bill me. As I conducted my audit, I had a debit balance of {$510.00} for the year ended XXXX ; a credit balance of {$570.00} for the year ended XXXX, and a debit balance of {$380.00} as of XX/XX/XXXX. I have an installment balance of {$590.00} as of XX/XX/XXXX ; the card balance and installment balance total {$920.00} of XX/XX/XXXX. I made a payment of {$900.00} on XX/XX/XXXX. Therefore my balance is {$19.00}.
Company Response:
State: FL
Zip: 33417
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
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, we purchased an air ticket for {$640.00} from a travel agency XXXX using Apple Card issued by Goldman Sachs. The flight was canceled but the agency refused to refund the ticket. Following Goldman Sachs 's directions, I disputed the charge with Goldman Sachs several times ( dispute claims # XXXX, XXXX ), reasserted some of the claims, and provided emails from XXXX as evidence of the flight cancellation. All the disputes were denied without indications of the reason except for stating that I had the right to see the information that Goldman Sachs gathered to make the decision. I requested this information 3 times on the phone on XX/XX/XXXX, and XXXX, XXXX ( this time with the agent under the name of XXXX ) but have never received anything. I do not understand why I am supposed to pay for the service that was not delivered and why Goldman Sachs failed to supply me with the information they gathered.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: During XX/XX/2022, Apple Card offered a 5 % Cash Back promotion for a new card holder on their first purchase from Apple. I signed up for a new account on approximately XX/XX/XXXX and ordered a XXXX '' XXXX XXXX on XX/XX/XXXX. Due to shipping delays, the laptop was not expected to ship until XXXX XXXX. During that time, I used the card with the anticipation of paying off the full balance when the laptop charge hit so that I could have the full available balance for the charge. On XX/XX/XXXX, I got the alert that the laptop charge was attempted and did not clear due to insufficient available credit. I paid off the balance in full that day, but Goldman Sachs/Apple Card held my payment for 10 days. During those 10 days I called and texted daily both Apple and Goldman Sachs to try and resolve the situation. Per Apple, my laptop order would cancel on the XXXX, and per Goldman Sachs, my payment would not post until the XXXX. Goldman Sachs attempted to expedite the payment daily but " The System '' Would not let them since it was a new account, and no supervisor I talked to could do anything. On XX/XX/XXXX at around noon, my laptop order canceled, and 12 hours later around midnight on the XXXX the Goldman Sachs payment finally posted and I had the full available line of credit. I ordered another laptop and asked if I could get the 5 % cash back offer on the new purchase and was denied since it was outside of the offer window. I tried to explain that this felt like a bait and switch tactic since I was not the reason the payment was held, and that I did everything I could to make the offer happen. I was denied multiple times, and various cases were " sent up '' to departments with no follow up. The times someone did try to get back to me, they redirected me to front line support who could not do what I was requesting, or simply put in more cases that were never followed up with. Throughout the process of trying to get the payment expedited and trying to get the 5 % cash back. I was told multiple times that if I had first put the money in the Goldman Sachs Apple Cash account, that the credit card payment would have posted instantly which also feels rather dirty and scammy.
Company Response:
State: AL
Zip: 36801
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
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: Dispute case number : XXXX Transaction date : XXXX XXXX, XXXX Merchant name : XXXX Disputed amount : {$4900.00} This order was received on XX/XX/2021 tracking number XXXX. The item was received damaged and turned out to be a counterfeit XXXX product. The title of the listing was advertising as a XXXX XXXX when the item that was received turned out to be a XXXX build with a counterfeit install of XXXX XXXX. I have attached the XXXX proof of delivery showing the original sender 's address. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I requested a return label from the seller, I returned the original order via XXXX on XX/XX/2021, and the seller received it on XX/XX/2021. ( attached is the proof of delivery ) The seller has a XXXX return policy, and XXXX returned window closed on XX/XX/XXXX. The return was received well within the return window and I have never received a refund from the merchant. I disputed this with Apple Card and they are not even requesting evidence from the merchant nor are they providing me with a detailed response from the merchant or written explanation of their findings. there are currently multiple online incidents of Apple Cards unfair dispute process to consumers there is currently a class-action lawsuit being formed. XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A