Date Received: 2022-05-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received a notification on my phone on XX/XX/XXXX about a transaction of {$630.00} from a merchant called XXXX XXXX and I reported it 9 minutes later. I also requested a new card number 30 minutes later after the transaction because I felt that the card information might be compromised. In addition, I never shared my card number with anyone in my household. I never received any product from the merchant either. Furthermore, the merchant XXXX XXXX is a local company based on XXXX, TX and I'm located in XXXX XXXX, TX and that is XXXX miles away. I contacted the merchant via phone call on XX/XX/XXXX because the website does not have an email address for support/customer service. Store representative told me that they dont have records of the purchase and he added that the store was closed from XX/XX/XXXX to XX/XX/XXXX because of the XXXX of XXXX holiday. I asked the representative for an email so I can email them and have a written confirmation ; however, he said that he can't give me his email address. That being said, I can't have an email from the merchant because he is not willing to provide me with an email or send me a letter. I also reviewed the documentation received on my mail by Apple Card/Goldman Sachs and the documentation is not legible. It looks really blurry and I can't even see exactly what it says. The little details I was able to understand is that the documentation from the merchant is actually provided by XXXX and not from XXXX XXXX. I feel like I'm stuck because Apple Card/Goldman Sachs asks for documentation but I don't have too much to provide because the merchant is not willing to help. Twice before I have spoken to supervisors with Apple Card Support. I have disputed the transaction XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) with apple card/Goldman Sachs and the transaction has not been resolved in my favor. In addition, I paid all my balance except the transaction in question of {$630.00} and then cancel my credit account with Apple Card/Goldman Sachs because I'm no willing to pay a charge I didn't make.
Company Response:
State: TX
Zip: 79932
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Last month my Apple/Goldman Sach card didnt do the autopay correctly - and I got charged a interest fee I called in, fixed it, and asked them to waive fee and paid what they said I needed to pay. Then this month I paid in full early. But still got an interest charge. I contacted them and they said oh you didnt pay on full last month I reminded them that was Apple/Goldman Sach error XXXX They just kept saying you didnt pay in full las t month so this month even though I paid in full they are charging interest. They wont refund this month or fully refund last month. What card requires 2 months if paying in full to wait interest for the current month?!?!? Again. I setup autopay from my account. They made a mistake. I tried to fix it but they didnt fully refund it. Then this month I confirmed I paid in full but still got charged interest again. I think this is Apple scamming into getting interest charges they do not deserve
Company Response:
State: IA
Zip: 52402
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: The adverse action happened on XX/XX/2022 when I applied for the Apple Card. I was denied credit which is against federal law.
Company Response:
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/2022 at XXXX XXXX I've received a email from Goldman Sachs stating I was denied for the XXXX card by Marcus due to them being unable to verify my identity. I called Godman Sachs and the customer service representative wasn't able to help me verify my identity they kept telling me to apply again and after doing so I kept getting the same email with the same information. Saying " we're unable to verify your identity '' .This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The XXXX XXXX added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.
Company Response:
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/2022 XXXX XXXX, I received a message from Goldman Sachs for the Apple card stating I was denied due to them being unable to verify my identity. After talking to a customer service representative they still couldn't help me with verifying My identity. After trying countless of times. This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The XXXX XXXX added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.
Company Response:
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Ive been applying and applying over and over for a long time since the original day of Apple wallet Apple Pay originating I have been denied every single time and I just its gotten to me it hurts my feelings and I dont like it
Company Response:
State: MI
Zip: 49444
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
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 had an account with Apple card Goldman Sachs and I closed my account 6 months. I paid my remaining balance on XX/XX/XXXX but every months I received email from them asking to pay more XXXX XXXX Since i closed my account 6 months ago along with my card, how can they still charge me for money? I dont use the card for so long. I called the customer service on XX/XX/XXXX and he said ignore the email or reply back to it, I cant help I kept all my communication and email. This is a very restless behavior and I considered it as a fraud. Please investigate it properly
Company Response:
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I want to increase my monthly payment by TRIPPLE of the minimum and Goldman Sachs refuses to do so. I either am FORCED to continue minimum payments of {$61.00} or the ENTIRE balance of {$2100.00}! I am not in a position to pay the entire amount but DO want to pay it off ASAP as of the $ 61 monthly ... my balance only goes down by {$20.00}!!!!!!!
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have previously had issues with mail being stolen from my mailbox at home and have been using a post office box address to receive mail. I was unable to update my mailing/billing address to my po box address on the companys website. After contacting a representative of the company I was told that their system does not accept a post office box address so they are unable to assist me and are unable to provide a valid reason for not allowing the update to my mailing/billing address.
Company Response:
State: HI
Zip: 96819
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A