Date Received: 2023-12-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: approve me for the apple card
Company Response:
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
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 pay off my credit card debt in full once each transaction is processed ( I use the card for points ). I had bought a {$240.00} XXXX gift card online. The transaction as approved a couple of days later and I subsequently paid off the card. The vendor never sent the proper gift card and it was very difficult to get a hold of them. I opened a transaction dispute through the Apple Card for that {$240.00} transaction and provided them with all the details, along with screen shots of the emails, etc. Once the transaction was opened, I was provided with a 'provisional credit ' of {$240.00}. This did not add any credit my account at all. When I asked XXXX through their XXXX chat message, they said that the temporary credit will not increase the available credit and that it is in place so that I am not responsible for the charge during the dispute. I asked them " So I am still out of pocket the {$240.00}? '' And they said " The {$240.00} is not available as credit, that is correct. '' That is frustrating, but I accepted it. About 5 days after the dispute was opened, the vendor provided a refund to my account in the amount of {$240.00}. I contacted apple to let them know that they can cancel the dispute because I received the refund. When the refund came through, I had a balance of {$35.00} on my card. So the end balance on my card that day was + {$210.00}. I wake up the following day to see that my card balance was + {$140.00}. No additional transactions were on the card. I contacted Apple Card to see what happened, and they could not tell me. I provided screen shots of everything. I had to open a dispute for the missing {$61.00} on my account. They also told me to mail in a letter dispute. So XXXX has already taken {$61.00} from me then. Less than a week later, XXXX was able to close the dispute finally. Except when they close it, they add {$240.00} to my Apple Card balance. They say that it is because they gave me a credit before and that my dispute has been resolved. As stated earlier, XXXX never provided me with a + {$240.00} credit. This was also recorded and confirmed by an XXXX employee in XXXX chat. I have plenty of screenshots to confirm the conversations of why with the XXXX employee. When I was speaking to XXXX, they kept repeating the same thing that it was for the 'credit ' they gave me, despite me showing them definitive proof, from their own employee, that it did not happen. I was finally able to speak with someone ( over chat again because no one would give me a phone number to call ) who submitted a dispute and made notes in my file. They told me it could be XXXX billing cycles and abruptly ended the chat. Now I am stuck with over {$300.00} of charges in my account that will accrue interest until XXXX makes a determination. I refuse to pay it off, because the last time I paid off a charge that I disputed, I ended up paying more. I loved Apple Card for the points, but I wish I had never opened a dispute. If I had never opened a dispute, AND the vendor never issued a refund, it still wouldn't cost me as much has it has from opening a dispute with Apple Card.
Company Response:
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
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: Made a purchase on Apple Card on XX/XX/2023 in the amount of {$71.00} in which no product was ever received. I tried to order frozen seafood from XXXX which was promoted on the XXXX website. After placing order and receiving no receipt or shipping info I reached out to vendor and never received any response. The " XXXX '' website has since been taken offline. I submitted a transaction dispute to Apple/Goldman Sachs which stated that I never received any communication nor product from the vendor along with multiple screenshots of other users reporting issues with this vendor. A XXXX search will show that this vendor is indeed a scam, see : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX # XXXX & XXXX Goldman continues to reject this claim and submission as a fraud claim even though they openly admit they have received NOTHING FROM THE VENDOR to support their claims. I have invested HOURS of my time calling and emailing Apple aka Goldman Sachs and have gone in circles as their customer service agents aren't empowered to do anything and it's an endless game of circles. I recently saw a news report in XXXX XXXX XXXX that mentioned CFPB investigating similar Goldman practices and wanted to submit this complaint as my personal experience exactly mirrors the allegations in that article. As of today, XX/XX/2023 I am still trying to resolve this transaction dispute 6 months later from XXXX. In my XXXX years being a credit card holder I have never experienced this level of difficulty in working with a credit card provider. It is clear that Goldman has zero intention of protecting the consumer and has done XXXX to investigate my claim on the fraudulent vendor side -- they are obviously rubber stamping all of the charges and making it impossible for the consumer to remedy. I am asking for the CFPB 's help in resolving this dispute. Thank you for your time.
Company Response:
State: NY
Zip: 12302
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Apple has denied me extensions of a credit limit increase because of XXXX late payment out of XXXX years of on time payments had a financial impact from covid and i fixed the problem paid {$880.00} to credit and received no benefits nor increased of my credit limit and denial of my credit is unacceptable and unlawful under 12 CFR 1002.4 regulations b ECOA cant deny me credit is discrimination
Company Response:
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My Apple card was blocked in XX/XX/. And this also caused my Apple Savings account restricted. It has been almost three months. I have been calling customer support multiple times and asking to get the restriction removed. However, they couldn't even tell me why my account was restricted and when it would be resolved.
Company Response:
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I was notified by XXXX XXXX XXXX XXXX ticket agent XXXX XXXX that my Goldman Sachs Credit Card will be charged with if I remember correctly {$300.00} that day, I had 3 partners that were split 4 ways in the amount of approximately {$8300.00} for the season on my card. I called them all within 4 hours of the amount being charged, roughly {$930.00} beginning the following month of XXXX thru XXXX of XXXX. None of us could afford that payment as 3 out of 4 suffered heavy losses of income due to covid. I notified XXXX my agent that we were forced to give up the tickets. XXXX XXXX charged the {$930.00} amount anyway. When I saw that deducted from my bank account I notified my bank who contacted Goldman Sachs I cancelled the card, and my bank demanded repayment to my account of the {$930.00} XXXX XXXX and Goldman Sachs took even though I cancelled the season tickets XX/XX/XXXX for season beginning 7 months later. XXXX XXXX and Goldman Sachs continued to charge me {$930.00} a month by notifying all credit bureaus, Causing my credit score to drop from over XXXX, XXXX points to XXXX. That caused my variable mortgage and loan rates to elevate. At XXXX time I supposedly owed over {$12000.00}, with close to XXXX in penalties.
Company Response:
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: 1, the consumer and natural person, was denied credit by Goldman Sachs Bank USA when I applied for the Apple Card. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691 ( a ) ( 3 ) and 15 U.S.C 1691 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ). You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by the Goldman Sachs Bank USA due to the response I received. Goldman Sachs Bank USA is in violation of 15 U.S.C 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my securities were used and I received no benefit. This is proof of fraudulent activity and securities fraud on behalf of Goldman Sachs Bank USA. If Goldman Sachs Bank USA fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Goldman Sachs Bank USA criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681 ( n ) and 15 U.S.C 1681 ( o ). I am sending this letter because Goldman Sachs Bank USA accepted my credit application but denied me credit. I will also follow up with an invoice for said violations ( { {$10000.00} } ) per violation
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Goldman Sachs forged and falsified bank records to intentionally fabricate disinformation in a pathetic and disgusting attempt to gaslight me to cover up employee misconduct. Goldman Sachs falsely fabricated a defamatory and libelous accusation that I did not have a perfect payment history when I never missed even XXXX payment nor had any of my payments ever not honored. Its as if Im just a XXXX XXXX XXXX to Goldman Sachs because Im a minority and because Im a minority and Goldman Sachs is allowed to perpetrate in bank fraud by creating false bank records with defamatory false and hurtful allegations that are untrue. Goldman Sachs thinks they can get away with such brazen misconduct because they can simply just bribe the right people with their political donations.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
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/2023 I purchased clothes from a merchant named XXXX for the amount of XXXX order XXXX XXXX Tracking from XXXX : I have previous orders with the merchant and had no problems with them but in this case I never recieved my order. I attempted to reach out to the customer support several times before I involved my bank ( Apple Card/ Goldman Sachs ) Dispute case : XXXX I never once recieved a reply from the merchant about my items not delivering. I also attempted to reach out to dhl to open a missing package but was unable to as its the merchants responsibility. I was able to get confirmation of the signature that clearly wasnt mine. All this was provided to Goldman Sachs/ Apple Card and I was surprised to see that the dispute was not ruled in my favor as I clearly was being ignored from the merchant who decided to challenge my dispute as I had notified them because I thought it was the responsible thing to do and act in good faith. I am providing the evidence that I provided them with which proves how this was unjustly ruled in favor of the merchant despite me paying for something and never receiving it. I provided my signature so they can compare with the one that was provided as well as a sworn statement confirming I never received my items.
Company Response:
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Dealing with Marcus has been a real nightmare. My account got blocked on XX/XX/XXXX, and despite making four lengthy calls this week, I'm still stuck in a verification limbo. They couldn't send me a PIN to my cell phone, and it turns out it's because the number traces back to my wife, who set up the wifi in our apartment. After many hours on the phone and requesting to speak to a supervistor, they suggested either going through the tedious process of sending an affidavit ( and getting it notarized ) via mail or getting a new phone number linked directly to me. Opting for the latter, I got a new number, but alas, this morning 's call brought more frustrationstill no PIN, and I'm back to the affidavit option. Currently locked out of my account, it seems like accessing it will be a long wait and I am scared I will not be able to access my savings. This has been the worst customer experience ever, Marcus is to avoid like the plague.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A