Date Received: 2022-03-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022, I tried to make my minimum payment on my apple device. You had to make it before around XXXX pm my time. The apple card wallet would not allow me to make a minimum payment ; which was an error on XXXX part. It did allow me to make a payment around XXXX pm, which was around 2 hours later. This late payment is ruining my credit report and totally unfair.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-17
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: XXXX by XXXX XXXX rental. The payment XXXX XXXX stated they would pay for my rental car. While my car was in the shop. I sent Apple Pay my. Statement. That was reliable. And phone text. But still reverse the charge. Take off then put it back on my statement. Its from XX/XX/2021. From XXXX I went up there and they said they where going up there to get a check, thats been out of my hands along time ago! He said he need a full detailed description on the the bill click it to see if you can pull up the invoice Ok you dont have to the bill is going to my boss -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: To whom can resolve my concerns ; I have been a long-time customer with XXXX XXXX XXXX XXXX XXXX. Over 10 years. This credit card has been my primary card. Without any desire or request on my part, apparently, this card is now associated with a company called XXXX. I have not received anything in writing or a statement about this change. I was notified of this change through an email sometime in XX/XX/XXXX. I was told that a new card and additional information was coming and I continued my payments to XXXX XXXX XXXX XXXX. I have not received a billing statement since XX/XX/XXXX. Additionally, Last week I was communicated through an email that my account is how delinquent. Furthermore, through a phone instruction recording, it indicated that payment could no longer be made through XXXX XXXX. ( without possession of a card, contract, or statement, I do not have an account? ) I have attempted to make contact through phone and email without any success. Unable to create an account online without an account number ; I am unable to acquire information through that process. This information was sent to the XXXX XXXX corporate office ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ) I have been waiting for nearly one month for my XXXX card so I can set up payments through my checking account. 2 ) Your phone messages indicate that my payments are now required to go somewhere else therefore ; I do not know where my payments are going. 3 ) I have been making payments to XXXX XXXX. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and more. 4 ) I have been waiting for a statement and payment information? 5 ) I have awaiting to view a contract and other information regarding this new/transferred account. 6 ) I am unable to discuss my concerns with your company and I refuse to wait on hold for over 45 minutes with any company. 7 ) To add to the insult ; I can find no way to contact you through your Web without an established account. Without information and an account number I can not set up an account in order to view information. 8 ) I will make no more payments on my XXXX XXXX until I acquire an understand of the account status and verify most recent payments to XXXX XXXX 9 ) A XXXX representative can call me within 20 days this writing. 10 ) Beyond that ; you can cancel this apparent account. I will resolve payments on the account afterwards upon verification and a suitable understanding. 11 ) I would reference an account number however ; I dont know if I have one. Also, Who are you ; I dont know anything about your company. XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 93710
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My applications for Apple Card by Goldman Sachs have been repeatedly denied because they have claimed that they are not able to verify my identity. Following my initial complaint with the Consumer Financial Protection Bureau, Complaint ID # XXXX, the company, Goldman Sachs Bank USA ( the Bank ) , first offered me a 14-day period to reapply for the Apple Card by email on XX/XX/XXXX. I received a call the following Day on XX/XX/XXXX from Apple Card support notifying me of their invitation to reapply. I was not interested in reapplying for the Card on XX/XX/XXXX, and so the Bank, moved to close our case with the Consumer Financial Protection Bureau the following day. The case Complaint # XXXX should not have been closed because the issue has clearly not been resolved. My 14-day period to reapply has been effectively reduced to 2 days. I have since reapplied on XX/XX/XXXX, and today, XX/XX/XXXX, was denied the Apple Card because the Bank is unable to verify my identity.
Company Response:
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: Final attempt to pay off debt via phone call was on XX/XX/22. I requested a pay off amount to pay for my debt. I was given this loan on terms that my income/financial status could not meet. However, I was given the loan and unfairly able to make the payments, I fell behind. i reached out to them to settle the balance owed to pay them off something. They expect me to pay a balance I can not afford.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
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: Hello, i purchased a online drop shipping course on XX/XX/2021. The company claims the info in the videos contains " sensitive material. '' However, the person who teaches the course, is also teaching it for free on XXXX. The person has multiple videos on his channel and even has a video titled " Complete XXXX tutorial for beginners XXXX '' Upon purchasing the course i only have watched the first video and realized the guy is teaching this for free on XXXX. So upon realizing this, i contacted the company for a refund and the customer service rep stated if someone has watched less than 20 % of the course they issue a refund and stated that i have watched 42 % of the course, which is not true. I can login in the website and all videos have a tracker of which ones i have watched. Only the XXXX one has been watched. Once the rep told me he won't issue a refund, i filed a dispute on XX/XX/2021 with my credit card company. Since then i have been laid off, contracted XXXX twice and XXXX XXXX and had to move because of job. By this time it was around XXXX and i realized i never got an email stating the resolution of my dispute. So i contacted my credit card company again and they filed a new dispute. After filing the dispute, i got an email stating my dispute has been cancelled because there is already a dispute pending. From what i understand, dispute must be resolved within 90 days, it obviously has been longer than that. I contacted the credit card company again and they filed a dispute again. I submitted the documents necessary proving my case, i will be attaching the same document here as well. After 2 months, i received an email stating my dispute has been denied because there isn't enough evidence. Which is surprising considering i have attached a lot of evidence regarding the matter. i contacted my credit card company again and asked them to provide me with documents that were used to make this decision and they emailed me the same email I received originally stating there isn't enough evidence. You would expect the company to ask for specific relating to the matter but no its just a vague sentence. I asked them i would like to appeal the decision and the credit card rep told me they don't do that and i would have to file a dispute again. From what i understand, according to the law i have a right to file an appeal but somehow they don't do that here. I will be attaching a document with more specifics in the below section which contains all the evidence proving my point.
Company Response:
State: OH
Zip: 44129
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I was charged too much interest on a {$18.00} balance. My interest rate is 21.99 %. I was supposed to be charged XXXX, a little under {$4.00}. My balance on XX/XX/22 was {$18.00}. I was charged two and a half times interest on a balance that was only {$18.00}. Apple/Goldman Sachs Bank is not giving me a clear explanation as to how they will rectify charging me double the interest rate for a {$18.00} balance. It is against the law to charge me double the interest rate.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have an Apple credit card by Goldman Sachs. I purchased some items for XXXX that I subsequently returned. The refunds were for XXXX and XXXX and were processed ( hit my credit card account according to statement ) on XX/XX/2022 and XX/XX/2022. I bought an XXXX XXXX sometime last year and decided to pay it on installment basis, with 0 % financing. The outstanding installment balance is {$870.00}. I always prepaid any and all balances in my account before they are due. I had also filed a dispute as I had made a purchase in XXXX that the vendor had not delivered by middle of XXXX, so after hours of calls, I asked Goldman to dispute it. That's another {$3200.00} dollars, so technically, I have over 9,300 dollar credit ( i.e., Goldman owes me ) balance in my credit card. After more than 1 month, they still have not resolved that dispute. When I went to make a purchase and it was denied, it is when this whole situation unraveled, as the 3,200 conditional credit issued was reducing my spending limit, even though, and ignoring that conditional credit, I had over {$6000.00} balance owed to me. Goldman Sachs refused to wire me the outstanding balances in my favor, when I asked that they be returned immediately. Initially they told me they would send me the balance less the installment credit balance, which they will use to repay the installment loan on a monthly basis as it becomes due. That amounts to cash collateralizing the installment loan for no reason, with the pernicious consequence that the installment balance at the same time affects the credit balance in the account as well as my own credit score since the debt would show as outstanding. They told me they can do all of that, with any cash balances in my favor, per policy and bank regulations. I told them they didn't have the right to withhold my money, they didn't have the right to cash collateralized the installment loan and that I wanted to close out my credit card and get my money back. They told me a ) somebody would get back to me within 10 business days to answer my complaint, and b ) they would have to evaluate my account since I want to close it and would decide after several months what they would do, which didn't answer when I would get my money. I also challenged them to adjust my spending limit by the cash balance in my favor, so that I could make the purchase, to which their answer was " we can't do that '', and you have to use another credit card, i.e., take your business elsewhere. Well, this is exactly what I am doing, I purchased the item on my Platinum card and I hope you help me get my money from Goldman, but more importantly, curve this outrageous behavior. They should be paying me interest on my balance!
Company Response:
State: TX
Zip: 75062
Submitted Via: Web
Date Sent: 2022-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Apple Credit Card XXXX GS Bank USA refused to issue me a credit increase of {$1000.00}. So I asked for the minimum of {$200.00} increase in credit so I could buy a apple computer. These people say I am caring a a balance on my credit card. I have not. All the credit card transactions get paid normally XXXXen days or less after they clear the credit card company. These people also claimed they checked my credit history they did not. It never showed up on XXXX. I also explained to these people how much is in my bank account, what my credit score is of XXXX depends on which credit bureau you use. How I am also never late on a payment. How I pay my bills and my income level. Yet these people denied me credit to buy a computer from Apple Store. I also told them I how I was going to pay it off as well. I only been using the card to buy food because of the cash back feature. These people never properly looked over my credit history. They are being XXXX in there giving of credit because I am not a women of XXXX or a XXXX XXXX. Who they would give a credit increase in a heart beat. These people are biased against someone who makes a good living, who has money in the bank and never been late on a payment. My house is paid almost half way off as well. I am not a risk to give credit to for XXXX or less at the minimum XXXX more.
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I initiated a balance transfer for the sum of {$1200.00} from my AppleCard to a XXXX card on XX/XX/22. The balance transfer was completed and posted to my XXXX account on XX/XX/22. As it seemed like the transfer was taking a bit longer than usual for the payment to be posted to my apple card, I did some research and discovered that Goldman Sachs ( the bank that handles the apple card ) does not accept non-conforming payments, which I came to understand was what my XXXX balance transfer check qualified as. In order to remedy this, I requested the balance transfer be canceled with XXXX. However, they informed me that canceling the transfer was not possible as Goldman Sachs already cashed the check. As of XX/XX/22, Goldman Sachs denies that they received a payment from XXXX. I have reached out to Goldman Sachs multiple times requesting that someone please look into this issue, but no one has helped. I have confirmed with XXXX verbally, electronically, and through the mail that Goldman Sachs has, in fact, cashed the check. XXXX has provided me with a copy of the check and a letter stating that the check has been cashed. I have reached out to Goldman Sachs multiple times, and they repeatedly deny that they have received a check to be applied to my Apple Card balance.
Company Response:
State: NY
Zip: 14075
Submitted Via: Web
Date Sent: 2022-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A