Date Received: 2021-10-16
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 had filed several disputes with my Apple Card for purchases that I never received. I had contacted Apple Card support and spoke with the disputes department for each of these disputes listed below to file disputes that I never received the purchases. Apple support even ask me for expected dates of delivery for my purchases when I filed the disputes for merchandise never received. I explained that no delivery information or tracking information was ever provided and I believed the merchants to be fake. After I submitted the complaints, some time later I received notifications from Apple Card support that my claims were denied and the reason for the denial was because the transactions were authorized by me. The provisional credits were then reversed and the charge was reapplied to my account. This did not make sense, because my disputes had nothing to do with the transactions being unauthorized, we already knew the transactions were authorized by me, but my disputes were for purchases never received. I contacted the Apple Card Support disputes department and spoke to a dispute specialist and explained to him that the reason for denying my claim does not make any sense and the rep understood my explanation and proceeded to resubmit all of the dispute claims that were denied incorrectly for the reason of the transaction was authorized by me. Provisional credits were applied to my account again, but some time later I received the same notification again from Apple Card support informing me that my claims were denied because the transactions were authorized by me. So contacted Apple Card support disputes department once more to explain that my claims have been denied once again in error, and the rep once again understood and proceeded to reopen the disputes again and crediting my account for the disputes. After submitting these disputes to Apple Card support for a total 3 different times, Apple Card support continued to make the same mistake denying my claims until the timeframe for me to file a dispute expired. Now Apple Card is expecting me to pay the balance for these transactions that I never received due to their negligence in their handling of my disputes. They made the same mistake 3 times and I refuse to be responsible for their own negligence in handling my dispute claims when I had made it clear to them the nature of my dispute. I expect Apple Card to take responsibility for their mistakes and correct the balance on my account. XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1000.00} XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$530.00} XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1500.00} XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1500.00}
Company Response:
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
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/2021 I purchased an item in the amount of {$380.00} on my Apple credit card from XXXX. Although my tracking says it got delivered on XX/XX/2021, the package never got delivered. No signature for the package was required. I immediately filed a dispute with Apple, XXXX XXXX XXXX. I also had my landlord check the security cameras and no one entered my building on the day and time of the " delivery. '' When I file the dispute, Apple takes the charge off my balance, then when 60 days ( 2 billing cycles ) go by, they add the charge right back to my balance, which in turn makes me call back and have to explain my story all over again. They then file a new dispute and temporarily take the charge off and the cycle goes on and on all over again. Finally, in XX/XX/2021, Apple asks for any proof that will help the dispute when I contact them. I send in a text communication thread between me and my landlord asking him to check the cameras and him telling me no-one entered the building thru the apple wallet app. I've spoken to XXXX, Apple and XXXX, all representatives are horrible. No one is helpful. Including management. I feel like I'm at a dead end. XXXX and XXXX sends me back to Apple. This has been a nightmare to say the least and this is abuse to customers. Again, this has been going on since XX/XX/2021.
Company Response:
State: CA
Zip: 90023
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I have an Apple Mastercard. The Apple Card had a wallet app. Since the XXXX of XXXX I have been unable to see any individual charges on my credit card but the balance on my card is not impacted. I have contacted XXXX multiple times ( XX/XX/2015, XXXX ) and nothing has been done. I am unable to see a breakdown of my balance or individual purchases in the XXXX app and on the website.
Company Response:
State: WI
Zip: 549XX
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Pursuant to 15 USC 1692a ( 3 ), I, am the consumer. Each month, Goldman Sachs sends a statement, alleging that i owe a debt. Pursuant to 15 USC 1692b ( 2 ), a debt collector shall not state that a consumer owes any debt. Pursuant to 15 USC 1692a ( 5 ), debt is an obligation or an alleged obligation to pay money from a credit transaction. Pursuant 18 USC 8, that obligation of debt belongs to the United States, not I, the consumer. On Thursday, XX/XX/2021, I sent Goldman Sachs an affidavit of truth, affirming my consumer rights and stating all violations they have committed. I also sent a cease and desist, demanding they stop all communication regarding this alleged debt, through any and all mediums, affirming my rights and requesting my specified remedy, pursuant to 15 USC 15 USC 1692c ( c ) ( 2 ). I also sent exhibits, highlighting and labeling the violations committed ; as well as sending a XXXX XXXX XXXX, calculating all the violations committed, assessing these damages, pursuant to 15 USC 1692k.
Company Response:
State: NY
Zip: 10552
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
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 made a purchase on XX/XX/2021 buying XXXX tickets to a top golf event held at the football stadium. The event was on XX/XX/XXXX and I arrived and there were no directions or instructions on where to enter. Finally after circling the stadium 3 times, we found out there was no ground level entrance and it was hidden in the parking garage. Therefore, we arrived 5 minutes late for the event and they would not activate our golfing booth. We were not allowed to participate after paying for the event due to the lack of organization by the company. We paid for an hour, arrived only 5 minutes late and were not allowed to participate. The company refused to help and so I disputed the charge. The dispute was settled in the merchants favor with the reasoning sufficient evidence was provided that I made the purchase which proves they didnt read what I wrote as I never denied making the purchase, I made the purchase BUT was not given the product/service I paid for. I called the card company, told them this information and that I made the purchase but that they didnt provide the product/service. Again, they settled it in the merchants favor so now I am filing a complaint with you.
Company Response:
State: OK
Zip: 73072
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Apple Card by Goldman Sachs has problems with supporting their system while protecting confidential information. I spent 1.5 hours speaking with multiple reps and supervisors about a charge for an online purchase by a family member that was rejected ( for security, I guess ) and I couldn't see nor could I fix even after they apparently approved the charge. After any hour of chat in which the agent didn't respond for more than 10-15 minutes at a time and never responded, I eventually asked for a supervisor. The supervisor then told me to call XXXX for technical support and then disconnected my chat. But of course, XXXX should never have access to my private financial information, so I objected but had to call Goldman 's customer service line since they disconnected the discussion. Despite talking with multiple supervisors, at the end of the XXXX hours, Gloldman Sach 's only customer tech options were to contact XXXX. This is crazy as XXXX should not be reviewing individual financial transactions in the Wallet nor should I have to share my confidential financial information with XXXX to get technical support. Hard to understand with such large financial services companies. While the charge eventually appeared the next day, no one has contacted me to explain or help so I can even figure out how to avoid the problem in the future. But sending me for customer service to an outside company and need to disclose confidential information seems more than inappropriate. If Goldman Sachs is offering the credit card, they should provide necessary support to protect my confidentiality.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Starting on XX/XX/2021 I tried to add daughter as authorized user to my Goldman Sach Apple card. Had technical difficulties and was unsuccessful. Reached out to company and absolutely no help. Sometime on XX/XX/2021 I was able to get her added. Tried several times to order her a physical card and was not able to do so. Talked to several different reps and nothing but misinformation. On or before XX/XX/2021 I received a physical card. I was not able to activate card after several phones calls and text messages with Goldman Sachs. XX/XX/XXXX contacted again still not able to activate card. Supposedly been escalated to tech support with no resolution. XX/XX/XXXX contacted again no resolution. Told would be 10 ten more days. XX/XX/XXXX contacted again no resolution. XX/XX/XXXX contacted again no resolution. XX/XX/XXXX contacted again no resolution. XX/XX/XXXX contacted again no resolution. XX/XX/XXXX contacted again no resolution. XX/XX/XXXX contacted again no resolution. Dates listed are only days I used text messaging. I called many more times trying to get an update and card activated. I am always told someone will call me back and the issue will be handled with in 10 days but no one has called me back or helped me get daughters card activated. I asked for case/complaint number and they said it is against company policy to provide that information. I don't know what else to do.
Company Response:
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX XXXX with XXXX XXXX XXXX did a balance transfer, consolidating our small credit card debt. Goldman Sachs/Apple Card received our check and cashed it but never applied it to our account. I reached out to Goldman Sachs/Apple Card and said they would investigate ; they came back and said they couldnt find the payment and that they were sorry, but nothing more we could do. XXXX then reached out to Goldman Sachs/Apple and sent them the canceled check showing where they cashed our check and applied it to someone elses account, and they are still refuse to admit their error and fix it. XXXX and I have tried to reconcile with them they deny they ever got the payment. XXXX sent them another letter on my behalf trying to reconcile this, and theyve yet to respond, and that was a month ago, we have canceled checks showing they cashed it, and I have the statement we used to send them the payment.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: A refund for the amount of {$800.00} was processed to my Apple Card, administered by Goldman Sachs. This refund was declined because it was considered suspicious activity, even though a charge was already on the account for the exact charge- because obviously it was a refund. The representative I spoke to requested I contact the company to reprocess the refund. This is the third time a charge has been declined from this company, and I am baffled as to why a REFUND gets marked as suspicious activity on my card. The company is unable to reprocess the refund and now the representative with Apple Card has instructed me I need to request a dispute on the refund charge. This is outright ridiculous- were talking about a credit to my account! A refund! Per the Customer Agreement I signed, it clearly says refunds will be processed as a credit and it no where says anything about the possibility that a refund can be declined. I never agreed to an institution being able to deny a refund Im justified to getting credited to my card.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I entered a credit card transaction with Gs Bank on XX/XX/XXXX. I have had several issues with the card since I received it. I tried to pay off the balance in which the card was declined. I also tried to make several transactions where my card was declined for some apparent reason. I never received any text, or call notifications. My card was blocked and declined for several purchases. I called in and answered all verification questions and method possible. I have done that a few times this week and on other occassions in the past. It leaves me to believe that this is purposely happening and I don't deserve this as a consumer. I called in on XX/XX/XXXX, XXXX, and previously because this has become very frustrating and stressful. I wasn't able to make the purchase or pay for what I needed to pay for and the card was declined twice. I wasn't able to pay for my rent and other purchases. I was hit with late fees and pending eviction notice due to my transaction being declined for my rent. I was not able to access my card after verifying who I was several times. I called in the first time for the first incident and was told that my card was unblocked and ready for use, come to find out that my card and several transactions were declined. This is very embarrassing and distressful and I don't deserve this. I am also sending this complaint in regards Pursuant to 15 U.S. Code 1666 - Correction of billing errors. I didn't want for my monthly statement voucher to be in digital form for many reasons I requested a hard copy of the document more than 2 weeks ago, and I still haven't received yet. As I logged on to see the monthly voucher statement I realized that there was in fact correction of billing errors in a positive amount Pursuant to 15 usc 1666d I was denied of a credit limit increase as well so I have been experiencing so many issues with this card and company.
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A