Date Received: 2023-12-02
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I've paid Apple Card {$1900.00} on my {$1700.00} credit card limit. I paid {$120.00} then {$520.00}. Immediately my account balance was updated. Then I decided to pay {$600.00} and another {$710.00} dollars to pay off as much as I could. Now, there's a hold on my account for up to 7-14 business days. This is not part of the user agreement and every person I have talked to say there's nothing more they can do.
Company Response:
State: MO
Zip: 64050
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: This is my fifth complaint against these people yet nothing is ever done about it. Im writing again due to three charges on my credit card account that i need credit for two were fully returned to the merchant and the other one was a cancelled order..first Home Depot in the amount of {$180.00} i had placed severall orders with Home Depot one of which was cancelled due to supply issues. The order was cancelled i never recived the merchandise but was told that a refund would be issued which it never was. I have sent documantation over severall times only for Apple card to say i didnt submitt enough documantation. What more do they need i sent the svreenshot showing the order was cancelled. The second order in the amount of {$170.00} from XXXX I uploaded documents showing that the merchandise was returned to XXXX and that they refunded me but on my apple statement it shows refund denied. The third charge {$240.00} the merchant issued a partial refund of {$210.00} but not the whole thing i returned the whole order back to them. I nedd the remaning balance refunded back to me.
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Apple Card application denied
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: GOLDMAN SACHS BANK USA ( XX/XX/2023 ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I recently applied for a APPLE CARD credit card and got denied on XX/XX/2023. In pursuant to 15 USC 1602 ( l ) the term credit card was used to initiate the consumer credit transaction. The term credit card means any card, plate, coupon book or other credit device used to obtain money, property, labor, or services on credit. I am the card holder and holder in due course. In pursuant to 15 USC 1602 ( n ) I am the one who came in with the credit card to initiate the transaction. It is not possible to get denied with something that I came in with. The term adverse action in 15 USC 1681 ( a ) never mentions anything to do with the consumer getting denied credit because its impossible to get denied something in which I am granting to your corporation the right to extend credit. In pursuant to 15 USC 1602 the term credit means the right granted by a creditor to a debt or deferred payments of debt or to incurred debt in deferred payments. Credit is my right and Im the one who regularly extends credit in the connection with loans and pursuant to 15 USC 1602 ( g ) I am the original creditor and I am well aware of my rights. I know that reporting to the consumer reporting agencies is voluntary notice. This is a private transaction and this is an unfavorable situation to me for the consumer. Nowhere in the term adverse action defined within the FCRA does it mention that a natural person can be denied credit. As an original creditor it is not lawful to be denied my right to grant credit. Furthermore my credit was used and I received no benefit from thr use of my credit. An inquiry popped on my consumer report which was the receipt of a transaction meaning somebody got paid off my credit and I received no benefit from it at all. In fact damages were done from the denial of my rights mentally and financially. Under 15 USC 1643 ( e ) the term unauthorized use means a credit card by a person other than that the cardholder who does not have actual implied or apparent authority or such use for from the cardholder which receives no benefit. Ive been discriminated against as there are no federal laws that state a credit score can deny me and my right to extend credit. Ive in good faith exercise my right and I the natural person have been discriminated against the pursuant to 15 USC 1691 Equal credit opportunity act. It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. For the damages that have been done to my mental distress and financial reputation as I take my consumer report in life seriously. I will take this to a federal level if my request to open the account in which adverse action has taken place. Im aware of my open end credit plan and right to contract unlimited credit without being denied. I demand your company reinvestigations matter and abide by federal law to open up the account in which Ive extended credit.
Company Response:
State: MD
Zip: 21403
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
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: I closed my Apple card two months ago. A return was made on to my card for {$150.00}. They have not returned it. I can not talk to anyone. I've been left on hold and transferred over and over again. I have no email to contact Apple at Goldman Sachs. All options for complaints are for banks and conglomerates. The hold times and transfers are used as a shield against returning client money.
Company Response:
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Every month since I opened my Apple Card account in XXXXXXXX XXXX XXXX, I receive an XXXX notification that payment is due, and every month I have responded and paid in full and on time. Yesterday was XX/XX/XXXX, and payment was due, but I did not receive any notification. I had not changed any settings. I realized it this morning ( XXXX ) and paid the card in full and asked to waive charges ( interest ) related to the several hours between when payment was due and when I paid in full - because they had neglected to send the notification that I had come to rely on. They said I should have known it was due and they have no obligation to send the notification. That may be true, but I was lulled into a sense of dependence on the notification - I feel they may have not sent them this month on purpose and maybe to many customers, perhaps because Goldman Sachs is getting out of the Apple Card business, they want to trick customers into paying a lot of interest. I wanted to bring it up with you in case you get many complaints.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Goldman Sachs has failed to properly investigate identity theft that occurred by someone I knew who used my identity to commit fraud against goldman sachs and myself. They have been provided numerous police reports and identity theft reports but decide they are above the law.
Company Response:
State: TX
Zip: 78247
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I made a payment to my Goldman Sachs Credit Card from my Goldman Sachs savings account. The savings account showed sufficient funds to make the payment and the credit card indicated that the funds were received and paid in advance of the monthly deadline. After making the payment, the credit card showed that {$0.00} was owed and required payments were made. Later, they said this was an incorrect reporting of their own systems to the customer. Days later, Goldman Sachs disputed what their systems showed when the transactions took place. As a result, I was charged an interest fee that I should not owe.
Company Response:
State: MI
Zip: 48433
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I need to fund {$50000.00} to my new account in another bank. On XX/XX/2023, I requested a wire transfer of {$50000.00} to my XXXX XXXX XXXX. XXXX account. The next day on XX/XX/XXXX, the wire transfer was reversed. I was told I could only transfer back to my original funding account, which is absurd and does NOT appear in any policy or agreement. Then, I requested a wire transfer of {$50000.00} to my XXXX XXXX XXXX account on XX/XX/XXXX, from which I funded {$50000.00} back in XXXX. It was reversed again the next day on XX/XX/XXXX. XXXX Bank just would not let me transfer my money out!
Company Response:
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
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 made a purchase of an XXXX XXXX from Apple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and I had applied for Apple Credit Card to take advantage of 3 % Daily Cash on Apple products, I did not like the phone so I had returned it 3 weeks after the purchase date exactly on XX/XX/2021. Here the problem happened when Apple refunded me they made a mistake on the statement bill of XX/XX/2021, they forgot to add a minus sign - to 3 % Daily Cash balance refund and they considered that balance as credit balance I owe them which is not true and they forced me to pay that balance to get rid from it. The price of the phone was {$83000.00} The 3 % of Daily Cash was {$2400.00} The wrong credit balance was {$2400.00} Because of that wrong statement bill my credit report got hearted because I travel a lot and I didnt expect that I have any money to pay them after I returned the phone to Apple Store but it wasnt the case and they sent to the credit bureaus that I missed the due date payment for 3 cycles which is not fair.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A