Date Received: 2021-12-07
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: XX/XX/XXXX, XXXX {$550.00} XX/XX/2021 - {$440.00} XX/XX/2021 - {$66.00} Dispute through the Goldman Sachs card service XXXX but they take super long on their service and dont allow you to use the card while these transaction go through.
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are fraudulent accounts and inquiries done in my name i was mugged at a XXXX XXXX XXXX took my purse with my bill folder inside along with my driver license and social and the fraudster opened up accounts in my name and used fraud addresses in order to obtain credit in my name I have tried to resolve the issue with the merchants but i was not successful.
Company Response:
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: HIGH 22 % interest rate Unable to effectively dispute transactions with Apple Pay since they only see it as a money transfer service when its a part of the XXXX XXXX XXXX restricted when I have available balance Always declining transactions Customer Service isnt too helpful Benefits not as useful as advertised
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello there and thank you for helping, I wanted to reach out because I am not receiving any statements or alerts. I have never been late, and have always made my payments on time. However recently my credit report shows that the Apple Card was reflecting XXXX days late, however as you guys can see I did not have access to any of my devices. I have the Apple work authorization forms showing that I had no access to any of my devices for me to be able to make a payment, and even if I attempted to make a payment online it requested a two factor authentication code that I could not receive. I reached out to customer service who was no help, I have made a payment and then please requesting to have the negative impact removed from my credit report. I never received any physical statements when my bill was delinquent, I understand Apple and Goldman Sachs is trying to go green however they should still mail a statement to be safe and to ensure their customer is indeed receiving communication that is not electronic.
Company Response:
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2021, Goldman Sachs reported an INCORRECT balance of {$4600.00} on my Apple Card to the Credit Reporting Agencies. In addition to having an incorrect balance reported, we were unable to furnish evidence of a zero balance as the monthly statements omit any part of the our account number on the statements which make it difficult for lenders to tie back to any particular account. When I called to correct the issue, Goldman Sachs customer service indicated it would take up to 60 days to correct.
Company Response:
State: CA
Zip: 90277
Submitted Via: Web
Date Sent: 2021-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: This is in reference to my Apple credit card. I asked Goldman Sachs to change either the statement closing date or the payment due date and they refused. They said '' that's just the way it is. '' The statements are printed on the first day of the month and the payments are due on the last day of the month. I do not recall being advised of this stringent policy when I applied for the card.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are some negatives items in my credit report and dont belong to me XXXX BANK XXXX Account Number : XXXX
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I keep applying for the card but I keep getting told that they arent al Blue to identify who I am. I have tried this on numerous occasions and have talked to representatives on numerous occasions. I am told that I do not know how to upload a copy of my ID into the system. However, this is the only credit application where I am required to do so, and I am denied as a result. No one in their right mind doesnt know how to upload a copy of their ID photo into a system in the year 2021. I have tried asking to speak to a supervisor, but no one contacts me back. My application is just denied. I believe that it's because my photo ID shows a XXXX face.
Company Response:
State: CA
Zip: 90003
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX XXXX suggested I apply for another card to increase my credit rating. They recommended an Apple Pay card. I was not aware that I had to use this card with the wallet application or I never would have applied for it. My credit went down because I applied for this card. The card requires me to use my phone. I believe this is an effort by apple to get you to buy XXXX. I tried to follow the requests on support and now my phone comes up with an apple pay screen every time I try to use my phone! Support blamed me for this even though I did not write the software. I am afraid this is could cause charges to my card. I want out of this agreement but my credit will be damaged due to no fault of my own! I do not know how to undo the changes I made to my phone. No one should be forced into something like this. I called them when I saw that they wanted me to use my phone and they said that they could send me a physical card instead. This was not totally true. I still need to use the wallet on my phone. This should be illegal. Why does your credit go down before you even use it???
Company Response:
State: IN
Zip: 46201
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
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 have purchased XXXX item from XXXX XXXX XXXX XXXX on XX/XX/2021 worth {$3000.00}. I have paid extra to deliver the parcel on time because receiver going to take this gift overseas. Somehow seller did not ship/deliver item on time and missed the deadline. So I have decided to cancel the order and told seller to reroute the parcel and cancelled the order. I told them they must reroute and make sure carrier do not deliver or leave it outside. It was unsafe and no one were going to at place to receive for next XXXX months. so I decided to canceled the order and reroute requested to the seller. I have emailed seller and got in writing from them. Rerouting was successfully done and buyer is not responsible for anything. I told them that can refund after receive the item. Somehow XXXX did not deliver and returned the parcel on base. they accidentally loss the parcel or gave it to someone else. I told seller to dispute with carrier and provide me information about who received the package. I have filed the dispute with my Goldman Sachs bank XXXX time but everytime they favor dispute on seller side. I asked them why and what proof they have provided. they said they received proof of purchase ( Invoice ). I told my bank that proof is not sufficient. They need to provide us proof from carrier whom they gave the parcel or how they lost it. Credit card company did not help and I am not able to talk over the phone. If I have cancelled the order and seller had rerouted the item. I am not responsible for any loss after it. I have emailed seller multiple times but they failed to reply me on time and credit card company was favoring seller on based on invoice. I told my credit card company that I have purchased but never received and cancelled the order. They should review the case properly.
Company Response:
State: IL
Zip: 60124
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A