Date Received: 2021-11-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have an Apple Card ( XXXX ) issued by XXXX XXXX. An important feature of the card is the ability to buy XXXX products on an installment plan with 0 % interest for 24 months. I took advantage of this offer and bought an items for {$1400.00}. on XX/XX/2021. I have faithfully always paid the full amount due monthly on the card since that time. I also used the card to make unrelated purchases from non-Apple merchants. One of those purchases needed to be refunded. The merchant refunded the money to my card. Note that this was after I had paid the balance on the card. I assumed that like any other credit card I would then have a negative balance on the card and could then get a check issued to me ( as per 1026.11 of the Truth in Lending act ). However, even though I have a negative balance on the card Goldman Sachs has refused to remit the funds to me. Instead they are holding the money and claim that they will apply it to any amounts I may owe in the future on a monthly basis. According to Goldman Sachs ' representatives this is because I opted to use the 24 month interest free offer. This is a clear violation of the Truth in Lending Act -- - and also unreasonably changes the terms of the 24 month interest free purchase ( which even they call an " installment '' plan ) after the fact. It is unethical and penalizes me for being a savvy/ethical consumer who always pays off his credit cards. Effectively they have turned a non-secured credit line into a secured credit line by holding my refund XXXX. I have raised this issue with Goldman Sachs customer service, escalated it to a supervisor and finally reached out to the executive offices of Goldman Sachs ( via XXXX ). They insist on holding on to the funds. Note that I have always paid what is due on the card. Any assistance would be appreciated.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
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've filed multiple disputes with my credit card company ( XXXX and Goldman Sachs ) about an item I did not receive that was purchased online from XXXX on XX/XX/2021 in the amount of {$90.00}. I've provided them with all supporting documents ( email from UPS showing tracking number that was provided was not to me, and any communication to try and talk to the seller on XXXX, went unresolved because they never answered, and also because they are no longer a registered seller. I have proved that I did not receive the item, and they have gone ahead and charged me for the item anyway. I've been contacting them since the transaction in XXXX, and have opened multiple disputes, and have been unsuccessful in having a credit applied.
Company Response:
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
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 a deposit for a furnished apartment rental with XXXX XXXX XXXX XXXX for {$250.00}. The dates of the rental was from XX/XX/XXXX - XX/XX/XXXX. Total cost of the rental was {$3600.00}. On XX/XX/XXXX I cancelled my reservation by contacting the merchant on the phone. The merchant said that he was able to discount the total cost of my reservation by % 80. The merchant sent me the updated invoice for {$720.00}. I paid {$720.00} on XX/XX/XXXX On XX/XX/XXXX XXXX XXXX XXXX charged my credit card {$2700.00}. I should not have been charged this amount because I had paid the {$720.00} in full.
Company Response:
State: OK
Zip: 73112
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-25
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Hello, My name is XXXX XXXX, I am who I say I am and no third party is involved in submitting this complaint. On XX/XX/XXXX I entered into a consumer credit transaction with Apple Card. Goldman Sachs Bank USA XXXX Apple Card as a means to use my right to extend credit for personal and household purposes. To my knowledge, I understand that Credit is a right pursuant to 15USCXXXX ( f ) and I exercised this right in good faith when I completed the credit application. The denial letter I received from Apple Card. Goldman Sachs Bank USA XXXX Apple Card constitutes discrimination under 15 usc XXXX ( a ) ( XXXX ) and Apple Card. Goldman Sachs Bank USA XXXX Apple Card also willfully and knowingly provided me false, deceptive and inaccurate information when they responded to me with adverse action in an extension of my own credit as a consumer. By willfully and knowingly failing to comply Apple Card. Goldman Sachs Bank USA XXXX Apple Card can now be held criminally liable pursuant to 15USCXXXX and can be fined up to {$5000.00} or imprisoned not more than one year or both. In any consumer credit transaction in which I extend my own credit I am backed by the Full Faith and Credit of the US Government. 15 U.S. Code XXXX- Criminal liability for willful and knowing violation : Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( XXXX ) uses any chart or table authorized by the Bureau under section XXXX of this title in such a manner as to consistently understate the annual percentage rate determined under section XXXX ( a ) ( XXXX ) ( A ) of this title, or ( XXXX ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. ( Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title X, XXXX ( XXXX ), XX/XX/XXXX, XXXX Stat. XXXX. )
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2021-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-25
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XXXX XXXX XXXX credit card from XXXX is showing up on my credit score for XXXX XXXX I had a card from XXXX XXXX XXXX last year for XXXX $ that I never used and canceled. My XXXX credit account is all messed up because of identity fraud. I keep freezing my account but these people opened an account with XXXX which is also on my credit but I have XXXX. I can't call any of these companies because my phone calls get ported and I never know who I am speaking with. I also have a XXXX card that was opened last XXXX and was paid off but it says I still owe a payment and now I have just seen XXXX XXXX for Apple Card which I disputed because I paid the card off completely 4 months ago and it's showing two Apple cards... I don't know what to do this all started last XX/XX/XXXX and I actually canceled the XXXX account but someone opened and paid to have the premium account reopened so in my opinion they can somehow manipulate what is on my credit report. Since last year my credit score has dropped XXXX points, I've had to close out all my bank accounts twice. XXXX recently just gave me a new phone because of all the coding that was in it from hacking. I can't keep an email address without it getting hacked including my work email.I work at a college and found a hidden voicemail last week about my student loans which I don't have. I have had my unemployment from state of XXXX opened twice and I've contacted authorities, FTC, and I was told by XXXX to go to the FBI.
Company Response:
State: MA
Zip: 01056
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Hello, On XX/XX/2021 I decided to purchase a camera lens from XXXX. I decided to use my Apple Card ( Globman Sachs Bank USA ) for that purchase. I contacted the customer service via text message and asked the agent a simple question : Me : If I purchase with XXXX, can I still get the zero interest rates using my apple card? The Agent : When you purchase with your Apple Card, it WILL NOT charge you interest whatsoever. Me : So ZERO interest? Agent : Absolutely! You are right. Then I received my next month 's statement, and it showed an Interest amount on it. I called to find out why is that happening to my account. They reviewed the text messages at their end. They apologized for the wrong information, and they waived the interest rate for that month and promised me to fix the issue, and they asked me to call every month and ask for the interest waive since it was their mistake MISLEADING their customer. I called the next month, and I was surprised that they wouldn't do anything about it. They promised me to take it to the next level, but they did nothing about it. I called them repeatedly and just tried to get fair treatment since they gave the wrong information at the beginning but NO HOPE. They are charging me every month, and I had to change my payment plan and cut many things to satisfy their payments. They promised me to reach out with a different solution, but they did not. All I am asking now is to get fair treatment for the Misleading and Wrong information they provided me and not helping me get it fixed.
Company Response:
State: WA
Zip: 99337
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, payment was received at the Apple Card lockbox payment center in XXXX, PA. Upon receipt of the bank check, Goldman SachXXXXApple Card posted the payment received XXXX days later, XX/XX/XXXX. However, upon receipt of the payment, Goldman Sachs refuses to post the payment as cleared until XX/XX/XXXX. I spoke with XXXX and XXXX, who gave conflicting information. XXXX XXXX stated that my credit limit was on hold because the check did not clear. However, XXXX confirmed my check had cleared. - When I received a message from Goldman Sachs customer services, they stated in writing that when payments are received, there is a XXXX processing period to be applied to the account. However, they did not disclose that the credit limit would be held for XXXX days because the payment was sent by check. Overall, Goldman Sachs and XXXX did a horrible job communicating their process. If I knew they would hold my payment for over XXXX weeks, I would use another payment method. In my opinion, this process is unethical and was not adequately disclosed to me as a consumer.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX in the amount of {$1700.00}. At the time, XXXX was advertising 0 % financing for their XXXX products when you applied for their Apple Card. However, they did not and I was forced to pay the for the XXXX and applicable interest ( 21.99 % ). On XX/XX/XXXX I received an e-mail from XXXX regarding their financing informing me that if I had purchased an XXXX product expecting to receive a monthly installment that I should contact XXXX before XX/XX/XXXX in order to convert the purchase into an installment plan by contacting an XXXX Support specialist. Today, XX/XX/XXXX, I contacted XXXX Support requesting that the purchase be converted to an installment plan, but the support specialist, XXXX informed me that since it had been over a year from my purchase, the device would not be eligible to be converted to a payment plan. The e-mail that I received does not specify that purchases had to be made within a certain period of time which I believe should be stated.
Company Response:
State: CA
Zip: 95831
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Greetings, I have been making payments on-time all the time for my Apple Credit Card by XXXX XXXX XXXX Payments are reflected on my Apple XXXX as directed and instructed by the Apple Card instructions within the XXXX. Apple has teamed up with XXXX XXXX to be the Banking Credit Provider for their cards. My billing cycle starts every XXXX of the month and ends at the end of the month either the XXXX or the XXXX depending on the month. Every end of my billing cycle I make the required stated payment through the XXXX Apple Card by XXXX XXXX. But in recent times XXXX XXXX has not properly acknowledge my timely payments and has wrongfully put my account past due. When the representatives call me to discuss my allegedly past due amount, I bring to their attention the payments made by me and the amount and size of the payments and the frequency of those payments. These representatives when I bring this up to their attention they always hang up on me, or put me on hold for more than XXXX hour without answering me forcing me to hang up. Apple Card by XXXX XXXX has went as far as restricting my account for further access even when I bring up to them the payments I made and the amount.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My Apple card balance is incorrect and needs to be updated
Company Response:
State: TX
Zip: 77018
Submitted Via: Web
Date Sent: 2021-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A