Date Received: 2022-02-04
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/XXXX I received a notification that my Apple Credit Card ( issued by Goldman Sachs ) was being used at anXX/XX/XXXX. As I was sitting at home, it was clear that this was being used fraudulently. Before I could cancel the card, it was used a second time at a nearby store. Afterwards, I was able to cancel the card and was in touch with Goldman support to let them know about the fraud. The following day on XX/XX/XXXX, they applied a refund to my card in the amount of the fraudulent purchase. I thought all was well. On XX/XX/XXXX the refund was reversed, and I was told I owed ~ {$1200.00} ( for the fraudulent purchase ). In addition, I was immediately charged interest on this balance. I have gone back and forth with Goldman support over this past week and they seem unable or unwilling to fix this issue, and have also shared with me they have reported to the credit agencies that I have missed a payment, obviously not a good thing.
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This is regarding a Goldman Sacs credit card - An Apple credit card. On my statement, covering the period from XX/XX/XXXX to XX/XX/XXXX, XXXX = Prior monthly balance, XXXX = payments made on this statement, XXXX = new transactions made on this statement, XXXX = transaction for installment payments ( for XXXX products ). New balance end of XX/XX/XXXX should be : XXXX ( XXXX less XXXX plus XXXX plus XXXX ). XXXX - what the statement states as the balance for XX/XX/XXXX. I have disputed this 4 times, 3 times with a supervisor. Each time the rep on the phone agrees the numbers were incorrectly calculated. Each time the department that responded to the dispute says the numbers are correct. The latest response was : You contacted us on1/28/2022 regarding your XXXX statement balance of {$530.00}. Your dispute has been resolved. Your balance is made up of card purchases and returns, payment activity, monthly installment due and any interest charges. Your beginning balance was {$1200.00} plus purchase activity of {$420.00} and payment activity of XXXX plus installment due of {$52.00} plus interest of $ XXXXwhich matches your total balance of {$530.00}. As a result, no further action has been taken. A bank that can't do simple math is a big problem. The reps I talk to ( supervisors at the call in center ) say the response above is from someone " above '' them.
Company Response:
State: AZ
Zip: 85351
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX XXXX, was denied an extension of credit by Goldman Sachs Bank USA. On XX/XX/2022, I applied for apple credit card. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Goldman Sachs Bank USA has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the emails you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. Your company should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Company Response:
State: VA
Zip: 23434
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022, I applied for an extension of credit through Goldman Sachs and was sent a denial email. They violated my federally protected consumer rights : 15 U.S. Code 1642 15 U.S. Code 1681M 12 CFR 1002 I have been discriminated against and I am now seeking for this company to rectify this situation that they are now liable for.
Company Response:
State: NJ
Zip: 07107
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am a natural person and completing this complaint upon my own request. I applied for the Apple Card and was denied. Please see attachment for details.
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: In XXXX of 2022 I changed my XXXX account and after doing so I no longer had access to my Apple Card ( this is a XXXX managed by Goldman Sachs ). You can not switch the card from one XXXX account to another so I asked to cancel the card. There is no phone number to call and the only way to communicate with the company is through text messages. on XX/XX/2022 in spite of spending an hour texting back and forth they would not cancel my account.
Company Response:
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Apple charged me full interest when I paid entire balance. I need my interest refunded or I will no longer make payments.
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX a {$4000.00} check was mailed to Goldman Sachs XXXX. The financial institution confirmed it cleared on XX/XX/XXXX. On XX/XX/XXXX the payment was reversed which lead to my first phone call. For the next couple of months I called at least 1x a week because the funds were not applied to my account NOR sent back to me. I also added my account number on the check, proof attached. Multiple times I was told someone would get back to me that week and NEVER did. On XX/XX/XXXX I received an email that an error was had on their side and my check had been applied. I confirmed via phone that they would correct anything reported to the credit union as late during that time. They confirmed there were no late payments because they lost my check so I did not have my {$4000.00} nor was it applied. My credit report has not been updated to reflect their error. On XX/XX/XXXX they responded to another complaint saying, " The Bank removed the past due reporting for XX/XX/XXXX, and confirms the account is now reporting correctly with no negative marks, the account is closed, and the account has a {$0.00} balance. '' My credit report from this company still reflects 60 days late in XXXX. Their response was not accurate. I filed another complaint and on XX/XX/XXXX they responded saying the late payment would be removed. It was then a couple of days later reversed back to late. I also found out my account that is closed as of XXXX had charges that went through into XXXX that I did not approve ON A CLOSED ACCOUNT. THIS IS THE WORST COMPANY I'VE EVER DEALT WITH. Every person you talk to it's something different, they mess up your account, and terrible customer service!
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX APPLE ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by APPLE On XXXX applied for The Apple Card. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M XXXX. XXXX2 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. Apple should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX, XXXX L Without prejudice, all natural inalienable rights reserved.
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
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: In XX/XX/2021 I made a mistake by sending a balance transfer payment to Apple card from XXXX. I called Apple regarding the situation and they told me that they could do a payment dispute which would send the money back to XXXX which is what I wanted. The transaction was reversed on XX/XX/2021 but the funds were never credited back to XXXX. After 2 payments disputes to figure out where the money went and me calling several times, I finally got a resolution but the one I wanted. Apple card supposedly sent the funds to an account that did not belong to me which I don't know how that was possible. After two months and several calls with managers and complaints, Apple card sent me a cashier 's check for {$2000.00} on XX/XX/2021. Because they sent me a check instead of crediting XXXX, XXXX was not able to reverse my {$78.00} transfer fee. I have called many times of this issue and no one at Apple card takes responsibility and I can not hold anyone accountable. It should have never taken 2 months or a payment dispute to have my money refunded. I have asked for someone with authority to call me regarding the issue and not once have I received a call.
Company Response:
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A