Date Received: 2022-02-14
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On the date of XX/XX/XXXX I reached out to Goldman Sachs Bank to extend my credit for my apple card and was discriminated then immediately denied. This is a consumer credit transaction and I'm federally protected by law. I believe this financial institution has committed fraud on behalf of my rights to privacy. Pursuant to XXXX XXXX XXXX ( XXXX ) its unlawful for any creditor to discriminate any consumer doing a credit transaction. Under Truth in lending act pursuant to XXXX usc XXXX ( XXXX ) I have open end credit where me extending my credit to goldman sachs should be never ending and no problem.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: This is a follow-up on my earlier complaint with CFPB ( Complaint # XXXX ). On XX/XX/XXXX I called Goldman Sachs / Apple Card Services to make payments to my account since I had been unable to access account since XX/XX/XXXX after I called to dispute the error on my credit card statement. I also requested my XXXX credit card statement to be sent to my address since I couldn't access it ( given no access to my account online or on the apple wallet ). I received my XXXX credit card statement on XX/XX/XXXX. Upon review, I noted the following : 1. My XXXX balance is still showing that I purchased 2 ( XXXX ) XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX instead of 1 ( one ) XXXX that I purchased per Order # XXXX. 2. I was charged an interest fee of {$22.00} based on the erroneous balance of {$1200.00} ( this has been incorrect since XX/XX/XXXX when Apple/Goldman added a product that I did not purchase on my balance ). It has been over 2 months since I notified Apple/Goldman Sachs about the error on my credit card statement but they have refused to update my statement and continue to charge my interest fees for an amount that I do not owe, and to report an incorrect balance to the credit bureaus. I have attached the following : - a copy of the XX/XX/XXXX credit card statement, - a copy of the XX/XX/XXXX credit card statement, - a confirmation for the XXXX purchase referenced ( Order # XXXX ) - a confirmation of the successful trade-in per Order # XXXX
Company Response:
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have been applying for XXXX XXXX for the last XXXX months. But I have been having serious issues since XX/XX/2021. They have denied for only one reason, over and over again that " We're unable to verify your identity ''. In XX/XX/2021, I called them and they to check with XXXX regarding my identity. I called XXXX and they said that everything ( Name, email, address, SSN, etc. ) matched and they sent a green check mark to XXXX XXXX XXXX XXXX XXXX Then XXXX said please reapply, there's nothing much we can do and this is what hurt me most, " You can reapply as many times as you want because it doesn't impact your XXXX XXXX until you're approved and accept the card. I applied again and again but declined for same reason and got same reply to reapply. They also asked me check if my driver 's license picture was blurry when I uploaded. I told them I scanned it under my printer 's scanner, so there was no chance of it being blurry. On XX/XX/XXXX, I reapplied again, rejected for same reason, and was tired now. I called them and told them to either approve me or tell me what they are not able to verify ( SSN, phone number, Name, address or whatever ) but they aren't telling me the reason only. They said they are escalating it to the UnderRiding department, and 20 days later, I called why I didn't receive the call in 7 days, they said it went to wrong department, so the other department just deleted that record. I was like whatttt!!!!! You ( a multi-billion dollar valuation company ) are saying my case went to wrong department and wasted my 20 days. This is just not acceptable at an international level from a billion-dollar company. This time they again begged me to reapply, and guess what, I reapplied in early XXXX and got rejected for same reason and this time, I couldn't bear it. I shouted if they don't give me the reason, I will complain to federal department. They said " This time, it's going to correct UnderRiding department as I am giving you a case number ( XXXX ) which is the confirmation of it '' I received a call 10 days later, in early XXXX stating something that made me write this complain " We can't do much on our end, we don't know what's wrong, please reapply, there's no other option ''. Like seriously? People who have access to my application and my credit report and everything can't figure out what's wrong and if nothing 's wrong, can't approve me? This is ridiculous.
Company Response:
State: TX
Zip: 78681
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Goldman Sachs. XX/XX/XXXX, and XXXX. 2022. Someone tried to take out mortgages in my name. Luckily I put a stop to it. I called them to let them know it was fraudulent.
Company Response:
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022 I applied for the XXXX XXXX XXXX. I received a message that they were unable to verify my identity. The email said to call customer Service. I called and explained that I am an existing XXXX customer with an investment account. The rep said she could see that I was a customer in good standing. I was told to try the application again. I got the same message that XXXX could not verify my identity. I was told that I would get a call in 1 to 3 days from someone in their back office. I waited 4 days and did not get a call or email. I called back to customer service on XX/XX/2022. I was told to reapply and wait 1 to 3 days for a call back. They said the issue is not my credit. The problem is they can not verify me. This is insane. In order to have the XXXX XXXX account they had to verify my identity. The US Patriot Act required that. Obviously, they are not following the US Patriot Act. If they were then they would have verified my identity when they opened the Investment account and would not be having this issue now. I want to know what the issue is? If they can't verify my identity then there must be an issue that I need to address.
Company Response:
State: CA
Zip: 92211
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: When going to purchase a product on the XXXX XXXX XXXX ( both in the XXXX web browser and their XXXX XXXX XXXX XXXX the option to checkout with monthly installments was unable to be found. This is a well advertised feature for the Apple Card, allowing you to do monthly installments for purchases of XXXX XXXX products, but when checking out with Apple Pay or by going through a regular checkout process in the XXXX page and the XXXX XXXX XXXX, the only option available was to pay in full. Their own website states all you have to do is click the pay in monthly installments button and youre good to go, but that is not true as it was nowhere to be found.
Company Response:
State: FL
Zip: 33185
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: They keep declining me for the Apple Card for the same reason every time.
Company Response:
State: IN
Zip: 46032
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I keep getting declined for the Apple Card for the same reason every single time I apply.
Company Response:
State: IN
Zip: 46032
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: Goldman Sachs hard inquiries on credit report XX/XX/2021
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2021, I received the message that {$440.00} was charged to my apple card. I did not make the charge and I immediately contacted The Apple Card ( Goldman Sachs ) stating that this was not my charge. They placed the charge as disputed and after several months stated that they contacted the seller and they apparently proved a charge was made with my credit card. Therefore, they found in favor of the creditor. I stated again I did not make this charge and to provide proof that I made the purchase online and to verify where the item was shipped to. They refuse to take this item off.
Company Response:
State: TX
Zip: 78633
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A