Date Received: 2023-11-30
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 purchased an online course from XXXX over the phone from the owner on XX/XX/. I was told there was a 60 day money back guarantee. I didnt receive any information regarding conditions on the guarantee. I requested a refund on XX/XX/XXXX because i was not satisfied with the course. I requested a refund from the owner over the phone. I was told a refund was not possible and would be given a credit in lieu. When attempting to use the credit I was denied and attempted to be upsold on another product. At this point i disputed the charge and am insisting in a refund on XX/XX/. On XX/XX/XXXX they requested additional information which I submitted but had issues replying to their email because the attachments were too large. On XX/XX/XXXX The credit card company denied the dispute stating I agreed to the terms and conditions and reported the merchant said I never requested a refund nor went through their proper process. On XX/XX/XXXX I spoke with the credit card company and re-submitted the evidence over chat where the owner confirmed a credit in lieu of a refund and also denying its usage. Immediately on XX/XX/XXXX I recieved an email update stating the dispute was denied because " The evidence received shows that no credit is due because you agreed to the merchants terms and condition at the time of purchase '' which I did not. If i was told there were conditions on the refund I would have never purchased the product. I do not want a credit I want a refund in full as was originally promised me when I decided to try the program.
Company Response:
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: Hello! XXXX. I am XXXX XXXX, I live in XXXX NY, XXXX XXXX in the rural area blanketed by snow and ice and really cold weather in XXXX and XX/XX/XXXX and now again in XX/XX/XXXX. FEMA approved me as an individual victim of the Deadly winter Storms of XXXX FEMA Disaster XXXX, but, Apple Titanium Credit Card run by Goldman Sachs does not know how to give me a three month hiatus on payments to them nor the 3 months of interest and late charge free benefits as a victim of these National Disasters. 2.Plus, I am XXXX and they do not allow me to request a " reasonable accommodation " under the law as a 100 % XXXX person. That is a violation of the XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Goldman Told me I am crazy and not allowed to get any benefits. XXXX, Plus, as a Senior XXXX person in XXXX, I am allowed to request special services so when I am injured as I was recently, I can get a waiver of interest and payments in a special assistance plan, which apparently I dont qualify for because Goldman told me that they do not help XXXX people in the Apple Credit Card program. XXXX the Apple Titanium CC program joint venture apparently has been dissolved by Goldman so there are NO more phone calls servicing available I have spent the past year calling these people and the Supervisor line is non existant anymore. I want a courtesy inconvenience credit for failing to answer at least thirty phone calls per day for the past month of XXXX.. So, I expect to recover from the Disaster and my injury in the next few months, No one in Goldman knows how to apply Disaster Relief nor XXXX Relief under XXXX nor acceptance into any program to waive fees and interest for three months as the law states. Can you help me convince Apple and Goldman that XXXX people stuck in the Disaster Area with ten feet of snow need a helping hand? The FEMA Disaster Approval code for these winter storms is XXXX. as well as a second disaster in XX/XX/XXXX. I filed complaint for disaster aid # XXXX
Company Response:
State: NY
Zip: 14226
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
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 filed a dispute with Goldman Sachs for a {$960.00} transaction with XXXX XXXX XXXX, aka XXXX XXXX XXXX. The reasons for the dispute were that a ) the salesperson XXXX XXXX misinformed the consumer that the merchandise could be returned for a full refund without issue and b ) on XX/XX/2023, XXXX XXXX did not issue a refund for all of the items that were brought into the store to be returned. As such, a dispute was opened on the same date with Goldman Sachs. XXXX XXXX from XXXX XXXX XXXX, after filing the dispute and also on the same day, wrote a sincere apology via email ( attached ), admitting fault for and accepting responsibility for XXXX XXXX XXXX XXXX negligence on behalf of XXXX XXXX XXXX. As of XX/XX/2023, XXXX XXXX, the store manager at the XXXX XXXX XXXX XXXX XXXX location, confirmed via email ( attached ) their receipt of the return, as communicated to her by her team. On XX/XX/2023, I received email notification from Goldman Sachs that the merchant had responded. Via Apple Card chat and also on the same date, XXXX, an Apple Card Specialist with Goldman Sachs Bank USA, was unable to provide the merchant 's response, leaving the consumer without an opportunity to address the merchant evidence. In the past, there has been at least one Apple Card dispute in which Goldman Sachs wrongly sided with the merchant due to fact that they merely replied with their policy, which failed to address the original grounds of the dispute. When asking XXXX " Can I provide additional documentation showing that I am owed a refund for the return?, '' which has now also been attached to this complaint, no such opportunity was directly provided by them.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Date of Letter : XX/XX/2023 Attention Dispute and Complaint Departments of : Consumer Financial Protection Bureau Apple Card/GS Bank USA/Goldman Sachs XXXX XXXX XXXX XXXX XXXX Dispute of Unauthorized Charges That Were Not Made on My Physical Card With Apple Card/GS Bank USA/Goldman Sachs Resulting in Negative Mark on My Credit Bureau Report Refusal of the Bureaus Willing to Delete The Negative Mark Despite Reversal of Charges That Were Found in My Favor Due to Fraud Dear Supervisors and Those in Charge of Complaints, Earlier this month I contacted customer service of the Apple Card via telephone after I was notified by XXXX XXXX that there was a negative mark/report added to my almost perfect credit due to a supposed late payment of 30+ days. Upon calling Apple customer service, it was discovered that charges for several months were made not on my physical card but digitally perhaps from Apple phones I donated. Therefore they reversed over {$700.00} in charges which obviously would not have made me late on a payment. However, the credit bureaus are still keeping the late payment report on my credit and worse yet, its not scheduled to be deleted until XXXX. Thats ridiculous! My credit score was over XXXX prior to this incident that was not of my doing. Apple Card now owes me a check of {$720.00} due to all of these fraudulent charges. Therefore, I am demanding that these negative 30 day late reports be taken off all three credit bureau reports, which are greatly affecting my credit score of near perfect. XXXX XXXX
Company Response:
State: AZ
Zip: 85374
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 my credit card was charged {$120.00} for my normal XXXX XXXX for the month of XXXX. A few days later I got a extra charge on XX/XX/2023 for {$160.00} charged by XXXX. Another few days later I received another charge on XX/XX/2023 for {$160.00} charged by XXXX. I contacted XXXX and the agent I talked to did not see the charge on my account and told me to contact my credit card company ( Apple Credit ). I disputed the charges with Apple Card for {$160.00} and {$160.00} and sent copies of my XXXX bill as proof that these were fraudulent/erroneous charges and the dispute was rejected. My bills for XXXX around this time frame were the following which shows up on my credit card which are accurate. XXXX bill for {$100.00} paid on XX/XX/2023. XXXX bill for {$120.00} paid on XX/XX/2023. XXXX bill for {$130.00} paid on XX/XX/2023.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The company is trying to collect on a cancelled debt that has been a charge-off constitutes TAX FRAUD and the matter will be reported to the IRS! I will be filling IRS Form 3949-A.
Company Response:
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I asked them to lower the rate and lower what I owed on the card but they said it cant change and Im falling behind
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: AppleCard, started reporting late payments on my credit report opened XXXX. Amount {$2100.00}, Also it was charged off. " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Company Response:
State: IL
Zip: 604XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to delete the following information in my file. the items i need deleted are listed in the report.I am a victim of idenity theft and did not make the charge. I ask that the item be deleted to correct my credit report.please delete the items as soon as possible.in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to prive and confendentially under 15 U.S.C 1681 accounts stated APPLE CARD-GS BANK USA has violated my rights,15 U.S.C 1681 section 604 A. States i have the right of privacy.15U.S.C1681 C. ( a ) ( 5 ) section states i no consumer reporting angency may make any consumer report containing any of the following items of information any other advertise item of information. other than records of conviction of crime indicates the report be more than 7 years.15US.C 1681 S-2 A person shall not furnish any information relating to a comsumer, to any comsumer reporting agency, if person knows its inaccurate
Company Response:
State: WI
Zip: 53218
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: On or around XXXX I submitted my application with my extension of credit to Goldman Sachs for an Apple credit card. I endorsed the application and provided my security as collateral. I was denied credit by Goldman Sachs and Apple without valuable consideration. Official interpretation of 2 ( c ) Adverse action. ( 1 ) The term means : ( i ) A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered;
Company Response:
State: CA
Zip: 92324
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A