Date Received: 2022-04-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2022, I was browsing XXXX XXXX and was shown and advertisement for Apple Card by Goldman Sachs. The promotion was for a {$75.00} welcome bonus. I clicked the " Apply Now '' button, went through the application process, and was approved. On XX/XX/XXXX, I chatted with a Apple/Goldman Sachs specialist who confirmed that I met the terms of the promotion and stated that I should receive it within 30 days of meeting the promotion terms. It has now been 45 days since meeting the terms and I still have not received the {$75.00} welcome bonus. Other customers online have reported receiving the welcome bonus within 24 hours of meeting the terms.
Company Response:
State: WI
Zip: 53705
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was a authorized user on my partners account Goldman Sachs Apple Card, Opened in XX/XX/2021. In XX/XX/2021, I wanted to open my own account, so I closed the authorized user account and I opened my own account. The problem started when my partner and I became co owners for the Apple Card. After we accepted the new APR and combined credit limit, my card disappeared from my mobile device and it said my account was closed. And since then, theres no option to add my card in the wallet app. I cant activate my physical card. Ive been trying to fix this issues since XXXX. Ive called multiple times, Ive chatted multiple times. The last time I spoke with someone it was a manager I believe and they said they were going to look into it but that was about 2 months ago. So I basically have a Apple Card co owner account open that I cant use and have no access to. It shows up on my credit report as a joint account. Goldman Sachs has not fix since XXXX. Its been affecting my credit score.
Company Response:
State: CA
Zip: 948XX
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2022, I was browsing XXXX and was shown an advertisement for Apple Card by Goldman Sachs. The promotion was for a {$75.00} welcome bonus. I clicked the " Apply Now '' button, went through the application process, and was approved. On XX/XX/XXXX, I chatted with Apple/Goldman Sachs support who confirmed that I should receive the bonus. After meeting the requirements for the promotional offer, I chatted with Apple/Goldman Sachs support on XX/XX/XXXX. Support confirmed I should receive the bonus within 30 days. After seeing in online forums that many consumers had already received their welcome bonuses within 24 hours of meeting the requirements, I called Apple/Goldman Sachs to double check that I would be receiving the welcome bonus. The representative confirmed that I signed up in the correct time period and met all the terms for the welcome bonus but that for some reason, my account did not have the promotion applied. She said that the best way to resolve this would be to put in a dispute on my behalf for the {$75.00} welcome bonus, given that I clicked on the application through the advertisement and had met all the terms. This morning I received an email that the dispute had been denied for the reason that I had received 2 % cash back for a specific transaction. This however is not the nature of the dispute since we all agree that the cash back for various transactions is correct. The correct nature of the dispute is that I should receive the {$75.00} welcome bonus that I signed up for and met all the terms for.
Company Response:
State: WI
Zip: 53705
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
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/2021, a merchant charged my card for {$250.00} for car interior alteration services I did not request. After attempting to resolve the issue with the merchant, they became belligerent and so I disputed the charge with Goldman Sachs. Through several months of exchanges with Goldman Sachs support, they obstructed my inquiry and in particular failed to fulfill their obligations under the Fair Credit Billing Act : 1 ) Goldman Sachs took much longer than two billing cycles to resolve the matter. 2 ) Goldman Sachs never delivered evidence, despite numerous requests from me in writing, to explain their decision regarding the dispute. Now Goldman Sachs has sent a threatening letter claiming my account is delinquent. Goldman Sachs claims my account has an outstanding balance of approximately {$100.00}. However, in recent months, I received a refund of {$100.00} for an unrelated charge. I had requested Goldman mail me a check for the refund, which they have failed to do despite numerous requests. Therefore, Goldman still holds the funds. Even if Goldman were to argue that they acted within the FCBA, my account balance is actually 0 ( or has a credit ) and thus their reporting of my account as delinquent is false, defamatory, and damaging to my credit. For extensive evidence, please see XXXX cases XXXX, XXXX, and XXXX.
Company Response:
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have tried to cancel my Apple Credit card twice on the phone, You can get the card online with no people interface, but like all slimy companies apple and golden sachs make you call to cancel, the first call I wanted to pay the balance and cancel, of course they have no way to do that, Second call after figuring out how to send money to them and paying card off. Said I could cancel if I read and agreed with there statement removing them from any recourse. You should require any company that allows to open and account online to be able to cancel account online. If You could please get them to cancel my account it would be appreciated. Thank You XXXX XXXX XXXX
Company Response:
State: NY
Zip: 138XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XXXX XXXX XXXX rewards card being converted to Goldman Sachs Card on XX/XX/XXXX Redemption for XXXX to be applied to balance Per XXXX amount authorized and rewards balance decreased by that amount. First call to Goldman Sachs on XX/XX/XXXX referred to XXXX Rewards at XXXX pm spoke to XXXX XXXX told would call back in XXXX to 7 days on XX/XX/XXXX XXXX spoke to XXXX XXXX XXXX he would take care of it same XXXX days now XX/XX/XXXX spoke to XXXX XXXX pm XXXX they do not handle such requests and referred back to Goldman Sachs Called XXXX XXXX XXXX XXXX referred to Supervisor XXXX told she had no idea if of when they would get around to calling back and no idea if or when it would be fixed.
Company Response:
State: MI
Zip: 48085
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: As of this day Goldman Sachs Bank USA remains unjustified on my credit report..In XXXX I file a FTC Identity theft report and police report and account was removed..However, as of XX/XX/XXXX it has reappeared on my credit report after 4 years..I contacted the 3 credit reporting agencies XXXX, XXXX, and XXXX was told this company reinserted there name on my credit file in the amount of XXXXThis company continues to violate the Fair Credit Reporting Act and the fair debt collection practices Act related to Identity fraud..I have provided all necessary documents to clear my name back in XXXX and this account was deleted..Now it has been reinserted after 4 years..I am reaching out to the CFPB to protect me as a consumer from creditors such as Goldman Sachs who violate federal law without any repercussion..
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Initially Goldman Sachs sent me an invitation to open an Apple Card Acct in XX/XX/XXXX. In exchange, it offered a complicated {$50.00} acct opening bonus as detailed below : 1. Apply for Apple Card 2. Be approved for credit, 3. Use the card at XXXX XXXX XXXX within 30-days of receiving the card to purchase at least {$50.00} in services, 4. First {$50.00} spent would be credited back into my new Apple Card Acct within 60 days. I satisfied 1 and 2 rules above : 1. I was given a {$7500.00} line of credit within minute after applying, 2. An Apple Card was sent to my home address, 3. I used the card at XXXX XXXX XXXX numerous times within first 30-days of card issuance. However, I never received the {$50.00} credit. I communicated with them numerous times by chat lines and direct phone calls. Then I followed by sending an 8-page letter to them since XX/XX/XXXX demanding the {$50.00} bonus offer to be credited into my new Apple Account. Unfortunately, Goldman Sachs has refused to honor its commitment. to this day and has stopped responding to me requests to communicate. I still have the account active but have not used it since XX/XX/XXXX. It has been a frustrating experience for me and my partner. We wonder if others have complained about same issues with Goldman Sachs Bank. I would be glad to send a copy of the 8-page letter I sent them if CFPB is interested to investigate their conduct.
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022 I applied for the Apple Card in good faith because of the advertisement I received stating my credit match the approval. Unfortunately I was denied and the description of my denial is a violation of the Equal Credit Opportunity Act 15 USC 1691. I have attatched the denial letter as proof I was discriminated aginst and can hold your company civilly liable under 15 Usc 1692k for violation of 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 4. 15 U.S Code 1691
Company Response:
State: TX
Zip: 77053
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, I am filing this complaint on my own behalf. There is no third party involved. I have new and additional information regarding case # XXXX on GOLDMAN SACHS BANK XXXX On XX/XX/2022 the Affidavit of Truth, and attached supporting exhibits were delivered to Goldman Sachs BANK, per certified mail receipt # XXXX. Goldman Sachs Bank has failed to respond via affidavit, rebutted line by line within the allotted time period given : 10 days. On XX/XX/2022, I received a packet from Goldman Sachs Bank, postage dated XX/XX/2022. This packet included a Letter, and alleged consumer contract, with arbitration agreement, and alleged statements regarding said debt. The company, Gold And Sachs Bank has continued to violate me, by failing to rebut my sent and delivered Affidavit, sent and delivered XX/XX/2022. The company, Gold And Sachs Bank has continued to violate me, by failing to send ALL requested documents requested in my original validation of debt letter sent and delivered XX/XX/2022. On XX/XX/2022 Goldman Sachs Bank attempted contact to my personal cell phone. This violates me and progresses continued harassment regarding this alleged debt, after receiving a demand to cease and desist.
Company Response:
State: WA
Zip: 98029
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A