Date Received: 2022-02-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I opened my Apple Card credit card with Goldman Sachs Bank USA on or around XX/XX/2021, when my XXXX XXXX and credit history were poorer than they are today. Since opening the credit card, I have requested numerous credit limit increases and I have been denied for each and every single one. The Apple Card only allows you to request credit limit increases through their secured messaging feature, at which point the credit limit request goes through a quick, less-than-five-minute, automated review, in which no human ever looks at the credit limit request ; each denial is system-generated and automated in nature. I was able to speak to an Apple Card / Goldman Sachs Bank underwriter about this concern in 2021, and I was told by her that there is no such thing as a manual review process for credit limit increases with this card -- all reviews are system-generated and there is absolutely no way for a human to intervene. The underwriter advised me to continue using the card for purchases -- thus incurring fees and interest that would be paid to Goldman Sachs -- and making on-time payments. In the nearly one year since I've had the credit card, I have never been late ; I have made well above the minimum payments required ; I use the card almost daily ; I sometimes pay off the balance in full within a day or two of using the card ; and I have met every single condition that the underwriter and their text messaging customer support associates have given me. On top of this, my credit score and credit history have improved drastically since I was initially approved for the credit card in or around XX/XX/2021. Despite all of my excellent payment history with this card, excellent card usage, meeting all the so-called requirements that Goldman Sachs own representatives advised me to meet, and now having even better creditworthiness than when I was approved for the card nearly one year ago, I am continually denied a credit limit increase for various reasons that change each time I request a credit limit increase. Some of the reasons are vague and non-descript at best : " length of time accounts have been established '' or " too many accounts with balances. '' My credit reports and credit history have only improved since the opening of this account, so the " length of time accounts have been established '' has actually increased, and I believe that this particular reason for denial is knowingly vague and false. To say " too many accounts with balances '' makes no sense : I am using all of my credit, in and outside this Apple Card, responsibly ; it stands to reason that in order to have good credit, you must use it, so it's unfair and deceptive of Goldman Sachs to decline my credit limit increase requests because I am satisfactorily using credit with other banks and lending institutions. Furthermore, Goldman Sachs only reviews credit reports and credit scores once monthly from soft pulls they do. That said, my credit report changes more than once monthly, so here again, when no human is involved and Goldman Sachs 's own underwriter says that no human can intervene to review credit limit increase requests, this is unfair and deceptive to me as a consumer who is using their credit card -- - and other credit -- responsibly and with excellent payment history. In summary, I believe Goldman Sachs is knowingly using unfair and deceptive credit and lending practices to routinely deny my credit limit increase requests, despite my outstanding payment history with them and other creditors. Goldman Sachs can not reasonably expect me to use ONLY their credit card, to never incur balances on my other credit cards, and to never seek credit elsewhere ; such requirements are unfair and abusive. I have attached copies of the various decline letters I have received over the past year.
Company Response:
State: MN
Zip: XXXXX
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My AppleCard is shared with my child via Apple Family Sharing. It is all above board and has been charging on it for a while. Child needed a XXXX XXXX appt on XX/XX/XXXX for travel and tried to pay online with Applecard for the appt. It was declined and we verified it immediately as a genuine charge. Tried a few times, ea time got declined. I used my XXXX to reach out to Applecard and ask what was going on. They never provided an answer, never got back to me. I am fully paid up, I usually pay this card balance off at least twice a month because it's on my XXXX, I see a balance and just pay it all the time. I have an excellent credit rating. My adult child has since left for XXXX XXXX on XX/XX/XXXX, they used the Applecard successfully in XXXX. I thought I'd better inform AppleCard that the user was traveling : a travel notice. I did that at XX/XX/XXXX at XXXX and the AppleCard responder ( everything is done via imessage ) was affirmative that everything was fine. By XX/XX/XXXX XXXX, Goldman Sachs Applecard was calling me at work that they'd locked my card. I was working and couldn't answer " safety questions '' while working, they caught me off guard. I asked them to call me back later. At my break XXXX, I messaged AppleCard and gave them a call back time when they asked of XXXX. Waited until XXXX, messaged them again. They could not help me, telling me that a " specialist '' would contact me. I now have my family member in XXXX XXXX at this point, with no functioning AppleCard. I have no functioning Apple card. Goldman Sachs won't treat me like a human and actually deal with this. I've done nothing wrong, I'm a verified user, my family member is verified in Family Sharing. I've read since that AppleCard can lock up users Apple IDs capriciously. I can not access the AppleCard statements which are all on the iphone wallet, the lock takes away all access. I am blinded to what possible issue might be going on - the area is now blank. Have you helped in these types of cases, and what advice can you give me? AppleCard Goldman Sachs isn't treating me like a human. AppleCard and Goldman Sachs have unsupportive behaviours and put their customers in jeopardy. The AppleCard isn't physical for my traveling family member, it's all on the iphone in they're hand - no one can steal their number or card. I gave AppleCard a travel notice. What possible fraud can they be so concerned about that they refuse to clarify with me? What more can I do? They refuse to talk to me. Please help me get an answer from this company and re-assurance that they're not going to affect my credit rating.
Company Response:
State: CA
Zip: 95062
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent Goldman Sachs Bank USA my cease & desist letter via certified mail on XX/XX/2022. I recently saw that Goldman Sachs Bank USA received my cease & desist letter on XX/XX/2022. I demand that Goldman Sachs Bank USA stop violating XXXX XXXX XXXX ( XXXX ) ( XXXX ). Goldman Sachs Bank USA called my phone today XX/XX/2022 at XXXX after receiving my cease & desist letter. Goldman Sachs Bank USA has violated my rights once again today by harassing me about an alleged debt. I also demand that Goldman Sachs Bank USA to respond back to my cease & desist letter. I need an audit trail and any other documents so I can verify this alleged debt.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022, My XXXX XXXX was compromised, and I had to payoff my Apple Card ( Golden Sacks ) account and close it because it was linked with my compromised XXXX XXXX. I was then told that I could apply for a new card using my new XXXXXXXX XXXX, so I did that. After multiple calls and miss leading information that multiple representatives provided me I was so upset and requested to withdraw the application on XX/XX/2022. Perhaps an hour after that I re-applied and patiently waited, and after 2 days the application was declined because of not being able to verify my identity. My identity was not compromised nor it changed and in both applications that I have applied they were declined because of not being able to verify my identity after providing twice a scanned copy of my drivers license as requested. When I called Golden Sacks I keep getting the run around and miss leading information. My concern now is that the first original account that was opened and approved with a {$4500.00} credit limit an unexperienced representative reported Fraud in the account and that is the reason why I am constantly getting declined. In addition, because I had to close the original account that was opened that is going to impact my Credit Bureau Reporting and drop my credit score. I have been miss lead, and bounced around by numerous agents and this is the worse customer service experience that I have ever had.
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I ordered the new XXXX, but accidentally ordered the wrong one. I immediately contacted merchant ( XXXX ) Who canceled the order. The pending charge and associated payment plan has been pending on my account since purchase ( XX/XX/21 ) Goldman sachs refuses to drop the pending charge which maxes out my credit limit. I have personally been on the phone while XXXX reps tell goldman sachs reps that it was immediately cancelled. Yet goldman sachs is holding my entire credit limit hostage. And they refuse to tell me when it will release. It has now been 60 days.
Company Response:
State: OR
Zip: 97202
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I checked my credit report to notice that there was a credit card opened with my social security number with a different name ( XXXX XXXX ).
Company Response:
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
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 I purchased an XXXX XXXX XXXX XXXX XXXX ( Order # XXXX ) and it was delivered to me on XX/XX/XXXX. On XX/XX/XXXX I received my credit card statement dated as of XX/XX/XXXX. On Page 4 of the statement it was noted that I had two Apple Card Monthly Installment dated XX/XX/XXXX for {$650.00} each ( a total of {$1300.00} ) which is incorrect given that I only purchased one XXXX as noted on the purchase order above. On XX/XX/XXXX I called Goldman Sachs Apple Credit Card XXXX after several attempts to resolve the issue via text message chat ( Apple 's preferred method for customer service ). I was transferred to multiple people and was told that my issue was going to be resolved and that someone would reach out to me. On XX/XX/XXXX I received as email at my email address on file ( XXXX ) stating that they had tried to reach me and were unable to. I reached out to them right away and I was told that my account had been blocked due to 'Fraud '. They said it was because the phone number on file was not my phone number. I told them that was my old phone number ( XXXX ) which I no longer used. I gave the agent my correct number ( XXXX ) XXXX. They told me that someone was going to reach out to me to verify my identity. Meanwhile, they could verify my identify by using a combination of the last four digits of my social + Date of Birth. Why my new phone number was a valid reason to flag my account for fraud without any fraudulent activity recorded on the account is beyond unprofessional and unwarranted. After about two ( 2 ) other attempts to reach Goldman Sachs Apple Credit Card services, they have failed to resolved my the error on my credit card statement and my account remained blocked since XX/XX/XXXX. On XX/XX/XXXX I contacted Goldman Sachs Apple Credit Card to make my monthly credit card payment ( as a responsible card holder ). The agent told me " THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''. I asked why that was the case, she responded that my account is past due. I asked why my account was past-due and she said because I had not made payments - I told her I had not made payments because my account is blocked. My account is blocked which means : 1. I can not access apple card through the 'Wallet ' App on my XXXX 2. I can not log into https : //card.apple.com/ to make payments 3. I can not view nor have I received my XXXX Credit Card statement form apple or Goldman Sachs . I am left with the option to call them and make payment which I did only to be treated a delinquent customer even with the over 3years I have held that card. I did not make payments in XXXX because my credit card statement is incorrect and they have taken over 1 month to resolve to no avail.
Company Response:
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Please see attached document as it explains my full complaints.
Company Response:
State: NJ
Zip: 07208
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received an offer from XXXX offering Apple Card with soft pull inquiry using data provided from credit bureau ( XXXX ). I agreed to the offer for soft pull inquiry and entered my personal information, including full social security number. Somewhere along the line a hard pull inquiry was submitted to XXXX without my consent. I was alerted the next day that there was a hard pull on my XXXX report. I immediately called Apple Card rep who stated the offer may have began as soft pull but once I was approved they ran a hard inquiry on my credit. This hard inquiry was obtained without my consent. I only agreed to soft pull as I'm not interested in obtaining any unnecessary personal credit cards currently. The rep said the card was already sent in the mail and there was nothing Goldman Sachs ( processor of Apple Card ) could do about it. I never activated the card because I didn't agree to a hard pull nor did I agree to open the account once I saw the unauthorized hard pull on my XXXX report. However, Apple is reporting that I opened an account on XXXX ( which I immediately called to cancel due to fraud on their end ). The Apple card still came in the mail and didn't show as closed in their system XXXX weeks later on XX/XX/22. Please investigate the matter as this practice is very deceptive and being advertised as soft pull, only to lead customers blindly into a hard pull against their knowledge. This partnership with XXXX and Goldman Sachs Apple card fraudulently obtains credit information with hard pull after advertising to consumer as soft pull. XXXX 's exact wording in emails received states : " Apple Card is a different kind of credit cardyou can see your credit limit and interest rate offer without impact to your credit score ''. I've attached proof of the advertisement that I received for regularly for months before deciding to accept.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have an Apple credit card and really like most of its features. My problem, however, is that available card payment methods prevent me from paying off my balance. Interest of 10.99 % continues to accrue until their payment processing window opens up again and allows me to make a payment. Even then, amounts their systems 'allows ' me to pay are insufficient to pay off the balance. ( Presently, I have a comparatively small balance of under {$300.00} ) When I did internet searches for possible solutions to my problem I discovered that hundreds of people are experiencing the same problem. I called XXXX processor, Goldman Sachs, to make a payment over the phone and get rid of the balance that way. But, as reported by many others, they were unable to do the transaction. I just want to be able to pay off my balance monthly instead of accruing interest. But apparently this is not what Apple intends- they'd like to force me to continue to pay interest on a balance I'm trying to get rid of.
Company Response:
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A