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: Apple says I have a CC. I dont have a apple CC they rept said go here they couldnt help Nothing has been charged its just apple fees XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ok XXXX XXXX I want this CC to go away.. please help
Company Response:
State: OK
Zip: 740XX
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I was charged {$71.00} for an interest charge XX/XX/31 which, after contacting Goldman Sachs ( Apple Card ) on XXXX, was told was trailing interest despite my never having been charged such a fee, despite paying off my full balance. In attempting to address the issues with the company, I pointed out that their payment app only showed one type of interest charge, and no indication of any other type. I was told I misunderstood the terms despite pointing out that I /never/ had this type of charge before.
Company Response:
State: MA
Zip: 013XX
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Today XX/XX/XXXX I was charged for an unauthorized amount from an apple card. I have never applied for an apple card. Right away, I created an account with XXXX the same day to start and monitor my credit because I've had problems in the past, and found an apple account was opened in XX/XX/XXXX. It was paid as agreed until XX/XX/XXXX and late charges started to occur. I have no knowledge of this account and have never had any late or negative things reporting on my credit until this incident. I have over XXXX years of paid as agreed accounts. I am filing this report/claim as identity theft to me. Somehow my information has been linked and XXXX has a report of some of my information being found in the dark web. This incident has started to negatively effect my credit and I hope this is corrected as soon as possible. XXXX and XXXX XXXX provided me the statements for this account and a bunch of charges to apple were made from XX/XX/XXXX to XX/XX/XXXX where in XX/XX/XXXX the late payments started to take effect. I don't think I would have let a an account become delinquent and my credit history should prove that. I have never applied for a apple card through XXXX XXXX. I disputed the account with XXXX and they told me to file a report with the FTC. I hope this is resolved in a timely manner.
Company Response:
State: MD
Zip: 20877
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
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/2022 I purchased an in app ( in game ) item from XXXX, for a game called XXXX. The item was fraudulently listed, and wrongfully represented. I made this dispute with and through Apple, they decided in my favor. The app then revoked my access to their content. Including but not limited to content, that I paid for. I tried to dispute this with my credit card company, but they passed me to Apple, and Apple said it was supposed to be resolved with the credit card company. It is a viscous cycle, and I need a resolution. The following dates, are dates that I made in app purchase for content, content they will no longer have access to, because of the initial dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have made no clear way to contact them, and/or voice my issues nor a clear way to dispute a credit card transaction.
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was recieving emails from Apple card ( Goldman Sachs ) that was saying I am elegible to enroll to Disaster Relief Assistance Program by FEMA, which provide benefits like skipping payments due in the month I enrolled and no interests will be charged. So I was enrolled and was contacting XXXX support to make sure that I will not be charged for the month of XXXX, they confirmed that, but I still was charged {$140.00}. For the month of XXXX I made total amount of payments {$350.00}. I was trying to dispute charge with XXXX support, opened dispute case, but it didnt work, because they said even if I am enrolled I still had to pay minimum interests, what made me confused because this is why I was enrolling to Disaster relief program to avoid paying interest for the month of the enrollemen and I actually was making payments which is total {$350.00}. In XXXX I was enrolled again and even though I paid {$240.00} which is more than my minimum interest for the XXXX month. Again contacted XXXX support to make sure if I will not be charged, they said yes I will not be charged, but at the end of the month I was charged {$130.00}! Calling them every day, every day supervisors keep giving me different information, like this charge was for the previous month, then they was saying, I was charged because I wasnt enrolled, then because I am not eligible for this program, lying and giving new information again and again. They was keep lying that they was actually opening dispute cases when they never did, first saying me to wait up to 10 days, then 30 days, after 30 days wait up to 90 days. Every time when I am asking fot the ticket number of my case, they was putting me on hold and hung up. So I was calling again and again talking to hundres of supervisors explaining situation again and again, they was " opening new dispute cases '' every time and when I am asking what happened with previos cases, they were saying that they can not see any opened case, which means every supervisor was lying about opening case, they was just making me to wait for the time of reviewing the case, probably just until I forget about the issue. They keep saying you will recieve a call or email about your dispute case, never recieved anything since XXXX. The only email I recieved says " that you are not eligible to enroll in disaster relief program, because your account is currently enrolled in disaster relief assistance '' which doesnt make any sense honestly. I gave up to keep calling them because all they do is keep lying and hunging up when they dont feel comfortable to talk anymore.
Company Response:
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
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/2022 I purchased an in app ( in game ) item from XXXX, for a game called XXXX. The item was fraudulently listed, and wrongfully represented. I made this dispute with and through XXXX they decided in my favor. The app then revoked my access to their content. Including but not limited to content, that I paid for. I tried to dispute this with my credit card company, but they passed me to XXXX, and XXXX said it was supposed to be resolved with the credit card company. It is a viscous cycle, and I need a resolution. The following dates, are dates that I made in app purchase for content, content they will no longer have access to, because of the initial dispute. XXXX {$19.00} XXXX {$19.00}, {$19.00} XXXX {$19.00}, {$19.00} XXXX {$19.00} XXXX {$19.00}, {$19.00} XXXX {$19.00} XXXX {$19.00} XXXX {$9.00}, {$9.00} XXXX {$19.00} They have made no clear way to contact them, and/or voice my issues nor a clear way to dispute a credit card transaction.
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
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: I purchased an item from XXXX for XXXX on XXXX and was given a tracking number that day, with expected delivery XXXX. the tracking never updated and it appeared that maybe the package had been lost. i disputed the charge with my Apple Goldman Sachs card on XX/XX/12 and today the dispute was resolved in favor of the merchant, stating that I had received the item, even though it's very clear from the tracking that i did not receive the item. i reopened the dispute but am not confident that they will resolve it this time either. XXXX is the USPS tracking number
Company Response:
State: MA
Zip: 02127
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received information in regards to a final bill being due for a large amount for an account opened for an apple credit card. The notices stated a payment was due by XXXX XXXX when I contacted the company in regards to the transactions they stated to file the identification scam online so they can obtain a copy of the report in order to close the account.
Company Response:
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
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: Merchant : Stocklabs Dates : XX/XX/2021, XX/XX/2021 Amount per date charged : {$59.00} This dispute was overturned by Goldman Sachs, as they did not review all of the evidence that I had submitted to the agent on the other end. The merchant has an online portal on which they demand that users submit requests. They are not responsive for months, and hence, the subscription keeps getting renewed. They do not leave paper trails, email, or otherwise communications encrypted within their portal. Their website is sketchy at best. This is part of the reason why I discontinued doing business with them.
Company Response:
State: PA
Zip: 178XX
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX issue/ wallet Billing. My XXXX was stolen awhile back. Unfortunately phone was not locked. The thief enter and took over my email account ( XXXX, app account, ordered items off my credit card, and deleted all pictures from my XXXX/ phone. This incident forced me to close all accounts through XXXX, use my other email account, and to order a new phone. Additionally, I was forcibly locked out my XXXX for nearly two weeks. Upon receiving my next phone XXXX could not provide me access to my remaining information left in the XXXX with the new address of XXXX. To make me whole from the experience, it was suggested to keep the username of XXXX but to use my new email of XXXX. Since the theft of my phone and information I havent used XXXX. Apple Card services has charged Me for apps, on two occasions in the amount of {$2.00}. The charges appeared in a wallet app on my phone that I had no knowledge existed. I was told notifications were sent to XXXX My credit issue was only discovered after I pulled my credit for denied credit. Upon calling my first issue of complaint was that a bill was never mailed out for the charges. This is when I was I informed of the wallet. I was informed that paper bills are not mailed and instead the bills and sent to the wallet app. Being old school, a wallet on my phone didnt sink it.I was walked through this process by the responding agent and the matter was partially resolved. Meaning they got their {$2.00} and late fee for the app not being paid. I, on the other hand, I did not know the wallet existed nor did i know a there was a bill on my phone. As a result, I got a report of being late of XX/XX/90 days. This incident Turned my credit score from the XXXX to XXXX or less. I pay my bills religiously! I have called and requested paper bills but they say its not an option. Ive called Goldman Sachs several times requesting a removal of the items in Good Faith and each time the dispute resolution department disconnects from the call. I desperately need help.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A