Date Received: 2021-11-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid my payment to Apple in XXXX at the end of the month. I received an email from Apple which I will send to you with this dispute saying that due to a system error my payment was mistakenly not applied for my XXXX payment and that they were updating my XXXX status to current. Well, they still reported me as late even though I have an email saying it was their fault and they would change it. It made my credit score go down a ton and I am in the process of buying a house. I called and they are not helpful and act like they have no idea how to fix it. literally have an email from they admitting it was their fault so I want justice. I lost a parent to XXXX and had XXXX myself in XXXX and I had to borrow money to pay them. I DID and THEY made a mistake and need to fix it. This doesn't just impact me but my kids and husband who may lose our new home due to APPLES mistake.
Company Response:
State: AL
Zip: 35124
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I opened my Apple Credit Card account on XXXX XXXX, I was able to use the card through my digital wallet account until receiving the physical card on XXXX XXXX. While having the for only a few weeks I made 2 early payments on my account using my bank account. On XXXX XXXX I contacted Apple about my first billing statement and payment and was advised on how to set up the payment in advance for my billing date of XXXX XXXX. On XXXX XXXX my payment was processed for the full amount owed, using the same bank account previously linked to the account. On XX/XX/2021 at XXXX, a notification was sent to me through Apple about my payment being declined by my bank. I immediately called my bank and they informed that No payment was declined nor attempted by Goldman Sachs or Apple. Upon receiving this information from my bank I contacted Apple and Goldman Sachs to get clarity and an explanation on this issue. Apple explained to me that the account was unlinked and deleted and the payment was reversed. Apple also explained to me that I would have to contact Goldman Sachs directly because the payment account was deleted on their end. Upon contacting Goldman Sachs, no resolve nor clear explanation was given as to why the account was deleted. I then set up the exact same payment account on my phone and it was processed the same day, XXXX XXXX. This was all very unusual because according to Goldman Sachs and Apple the account was not able to be verified and that was the reason the payment was reversed. Yet that same morning I was able to use the exact same banking account and information to process the second payment to Goldman Sachs which was approved and processed. I was able to verify with my bank that the payment had been released to Goldman Sachs by XX/XX/2021. On XX/XX/XXXX and XXXX, 2021, I attempted to use my Apple credit card and it was declined. When I contacted Apple support about this matter I was told that the payment was being held and would be released by XX/XX/2021. I also spoke with Apple and Goldman Sachs about the misinformation being reported to the credit card bureaus. I was told that a dispute will be opened to review the inaccurate information being submitted to the three major credit bureaus. I spoke with two Goldman Sachs representatives that day and was given two completely different reasons as to why information was being incorrectly reported. On XX/XX/2021, I contacted Apple support again because the payment had not been released. I was then told by Apple support that my account was being locked due to security reasons and that they had to confirm attempted transactions on the card. The transactions that they looked to confirm were from XXXX and XXXX, several weeks prior, this was very unusual to me as to why they waited so long to verify these transactions and to tell me that my account was being reviewed for security fraud. After speaking with Apple I then called Goldman Sachs directly, I was then told more information about my account that did not align with what I was previously told. The representative told me my account was being held due to them previously unlinking my bank account and reversing the first payment for XX/XX/2021. The representative then proceeded to unlock the payment that I submitted XX/XX/2021 and told me that it should be released by XX/XX/2021 at the latest. I then requested to speak with the supervisor that could further explain what was going on with this account, as I have never experienced any practices like this with a credit card company. She explained to me that all the information that I had received so far was inaccurate and that she had no way of knowing why the representatives had passed along the wrong information. She herself then became very rude and short with me due to me not understanding why this company had not been able to address the situation correctly. When I told her I wanted to move forward with canceling the card, she told me that she would not be able to do so unless I wanted it to be sent to collections due to a payment being held by them. This credit card company has misled, has withheld and reported in accurate information to not just me but the three major credit bureaus. I believe that this company has unethical practices and should be investigated.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I opened an Apple credit card account on XX/XX/2021. Apple never provided me with the Truth in Lending Disclosures in the correct tabular format. I am financing 2 items from their company. Pursuant to 12 CFR 1026.6 ( b ) ( 2 ) and 15 US Code 1632a, Apple has failed to disclose this information to me, the consumer. I have spoken to an agent via support through text messaging and she assured me that these disclosures can be accessed in the " terms and conditions '' in the " Wallet ''. After doing my own due diligence I have found no TILA disclosures under Apple 's terms and conditions. I have also reached out to Goldman Sachs, and they have also stated that the TILA disclosures can be found there as well. In addition to all of this, there is no option for the consumer to auto receive periodic statements through the post office mail for their account. The same agent told me that I would have to call or text them every month to get periodic statements mailed. So, I can't have physical periodic statements mailed to me, I have not been provided with required material disclosures, and those will not be mailed either. Apple is trying to collect on a debt that I was never informed properly about, never given the required disclosures to inform me about the use of credit or what amounts are being subject to the APR.
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have filed a complaint in the past about Goldman Sachs incorrectly reporting my credit card status the the credit reporting agencys and it had been resolve up until today This morning i woke up and Goldman Sachs reported back to the credit agencys that i have negative history ( late payments ) dating back to when the card was closed to XXXX of this year, even though the card has been closed for over a year and his been paid off for 8 months now.
Company Response:
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA on XX/XX/2021 via e-mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by The Goldman Sachs Group Inc d/b/a Goldman Sachs Bank USA adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA is now civilly liable to pay me for the damages. REMEDY Grant me an open-end credit plan with your company or pay me {$5000.00} for damages.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: XX/XX/2021 : I received a notification that Apple/Goldman sachs closed my apple credit card with no information or notice. When I contacted support they were unable to provide any information other than my account will be reviewed within 5-7 business days and I would hear back. XXXX : After not receiving a response or any information I contacted support again only to be told my account was still under review and they were unable to provide any further information. I was told again It can take up to 5-7 business days.. XX/XX/2021 : Contacted support for a third time. This time I was given a phone number an advised that I would need to call a specific team to discuss my account. I called XXXX to be told my card was closed due to expected fraud. I have never experienced fraud nor have I ever used my account in a way that violated the agreed to terms. They explained that they received a fraud report. This is when I realized that my husband had disputed my apple account on his credit report. I had shared my Apple Card with my husband to allow him to use the card on his phone as well. I was unaware that sharing access meant the card would be reported under his credit report. During this time my husband and I were refinancing our home. Our mortgage broker indicated we would get a better rate if he removed my Apple Card from his report. My husband when to the credit agencies to have this removed. He selected the option that indicated that it was NOT fraud but that the card belonged to a family member and that he didnt want it on his report. I explained this to Apple on 2 or 3 separate occasions. I offered to provide documents to prove who I was and that my husband did not intend to close my account. XX/XX/2021 : I contacted and asked to speak with the fraud department. I explained the situation again was again promised a callback from a supervisor and that my issue was escalated. I was given a 24-48 hour turn around but again no one called. I have tried repeatedly to contact Apple/Goldman Sachs to resolve this issue and reopen my account but have experienced extremely poor service. This is a newer account that is carrying a balance. Closing the account summarily will effect my credit. I would love to continue being a customer and having access to my card.
Company Response:
State: NE
Zip: 68105
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was approved for an Apple Mastercard and now have an account open with them through Goldman Sachs Bank. They are refusing to give me a physical card to use for purchases. I do not even have access to the account number nor credit card number. They told me that I have to PURCHASE an XXXX XXXX in order to use my credit, and the only way to receive a physical card is to put in a request through their XXXX app on the XXXX. There is no way for me to use the " card '' or account without first purchasing a $ XXXX XXXX XXXX device. This is unacceptable, and they simply can not get away with such a discriminatory practice. I am shocked that they are allowed to OPENLY DISCRIMINATE against anyone who uses XXXX for their mobile device.
Company Response:
State: NY
Zip: 11209
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I monitor my credit reports through my XXXX XXXX card which provides me my credit score, and XXXX XXXX. I was notified that a new account from APPLE CARD - GS BANK USA via email from XXXX XXXX on XX/XX/XXXX. I didn't recognize the account, an initially thought it could be related to my new XXXX XXXX account which I opened just a couple of weeks earlier and had yet to appear on my XXXX report. However upon looking up Apple Card - GS Bank on XXXX, I found that it was most likely a credit card from the company Apple. I didn't understand what this was, I do not do business with Apple or own any of their products. It was also a very low limit card ( {$1000.00} ) which didn't make sense to me because I have over {$10000.00} in credit limit through XXXX XXXX and XXXX. I filed a dispute with XXXX and later with XXXX regarding this account, and put a fraud hold on my credit score to stop new accounts from being opened. I don't have an identity theft service like XXXX so I don't know what to do other than dispute the information with the credit reporting agencies and hope new accounts aren't opened.
Company Response:
State: OK
Zip: 73071
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Apple Card or Goldman Sachs continuously fails to report the updated balance for my account to the credit bureaus. I had to file a dispute with the credit bureaus in XX/XX/2021 because Apple Card or Goldman Sachs failed to report my updated balance that showed on my statement. The same problem reoccurred in XX/XX/2021 and Goldman Sachs or Apple Card didnt report my balance as shown on my statement. This has caused me to be denied for credit. Ive contacted Apple Card or Goldman Sachs and they told me theres nothing they can do to fix the issue. I spoke with XXXX at Goldman Sachs or Apple Card on XX/XX/XXXX at XXXX XXXX Pacific standard time in reference to the issue and he provided no resolution. This is a violation of the fair credit reporting act.
Company Response:
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My son is in the XXXX stationed in XXXX. This morning I tried to buy him a plan ticket to come home for XXXX. Tried 3 times and kept getting a time out due to payment issues. Originally tryin to purchase a flight for {$1100.00}. Contacted Apple Card and asked if they were declining payment for some reason and they stated they were not. Which I believed because I was not getting a message stating they were. Found a flight for {$950.00} and tried again and same issue. On hold with company for hours and they told me Apple was declining payment. I told them Apple was not declining payment. Tried a different company and the charge was declined but this time I got an authorization stating was declined and I was able to approve purchase but had to rebuy. Second time it went through. Tried to purchase insurance due to COVID issues and my card declined that purchase so many times that I was no longer able to purchase insurance. Because my card was declining purchases it cost me an additinal {$200.00} dollars for the flight and I am not insured ( meaning I can't get {$1100.00} if something happens and he can't come home ). The insurance was only about {$98.00} dollars that was declined so many times that my ability to buy expired. I tried contacting Apple Card twice about this issue and was ignore both times after message of please wait while we look into this issue. My credit limit is {$30000.00} with available credit of almost {$30000.00} this morning before I finally got a charge to go through. I also use this card exclusively. I am real upset for the following reasons : 1. I called and was told my card was not being declined when it was. 2. I was on hold/phone for over 5 hours before it was verified that my card was declining the charge. 3. Ticket cost me an additional {$200.00} due to Apple Card declining charge. 4. Unable to purchase insurance due to Apple Card declining XXXX dollar charge even though I authorized it multiple times.
Company Response:
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A