Date Received: 2021-08-22
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: Several months ago I made a purchase using my Apple credit card from XXXX for 2 10tb hard drives. XXXX send 2 cheap hard drive cases instead of hard drives. I initiated a complaint and request for a refund from XXXX and when they were unresponsive, I placed the charge for {$110.00} in dispute with Goldman Sachs the issuer of the Apple credit card. 1 week ago they sent a request for more information via email and provided a 7 day deadline to send more information. I had not seen the email request and today they denied the chargeback for the fraudulent charge. XXXX has the known reputation for sending inferior merchandise and in this case, they didnt even bother to send merely inferior merchandise, they sent some entirely different than the described product. This is the situation that anyone would expect the credit card company to protect their customer. I have included pictures of the listed item vs. what I was sent.
Company Response:
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2021-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
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 XXXX from Apple with my Apple credit card and went to return it for the smaller size. When I returned it to the store, they made an error and gave me a receipt with a different serial number so it looks like I never returned it. Apple refuses to refund me and I bought it with their credit card so their customer service passes me to the store.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: please check the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 107XX
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: A {$3900.00} purchase was made online on XX/XX/XXXX XXXX from my apple credit card. The package was broken when I received the product so I returned All the merchandise back to the seller on XX/XX/XXXX at XXXX : XXXX and received a receipt that showing the merchandises have been returned and a refund $ {$3900.00} was issued back to my apple credit card. In XXXX, the credit card billing statement still charged {$3900.00}. I contacted with apple credit card customer service stating that the merchandise was returned to the seller and I have the receipt for the refund sent back to the apple credit card. Then I sent pictures of the receipt which shows the products was returned and refund was issued back to the card to the customer service specialist though email on XX/XX/XXXX and online chat on XX/XX/XXXX. I have contacted the business where the purchase was made from many times and they state that they have issued the refund back to the card. After that, the apple credit card continue to charge me for that {$3900.00} merchandise which has been returned. I have contacted apple credit card many times to dispute that charge but every time they close the dispute and send me the bill to ask me pay {$3900.00} for the Merchandise which I don't have. Today I called the customer service of apple card again and they hang up the phone.
Company Response:
State: CA
Zip: 91755
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
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: Apple reuses to resolve my complaint about a fraudulent transaction with an apartment complex, I have provided them proof and ask for this to be resolved several times.
Company Response:
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX submitted a fraudulent charge to a apple MasterCard from Goldman. Goldman was to apply a credit during the dispute but never did so. Now my credit score has been affected by this charge and it is further affecting my ability to get loans for a business. XXXX must make amends for posting a fraudulent charge. They have since posted a credit but Goldman 's is holding it in their backend system because YOU give them the right to hold it for five days. Goldman 's must apply a true credit to my account while the credit from uhaul is gathering interest in one of their accounts. Lol. I wish this were funny but this is an example of how federal regulations hurt the consumer. If credits were to be posted immediately this would not be an issue. The dispute process on the Apple Card is broken and their interface to communicate what they are doing is inadequate. Chat is great for catching up with friends but does not work for banking.
Company Response:
State: WA
Zip: 98665
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I wired money from Marcus Goldman Sachs USA to an external Account on XX/XX/21 and The external Account never received the wire. XXXX XXXX XXXX never sent it back but I gave them the IMAD number to track it and it was never received by them. They told me to contact the FDIC cause they were worried that Goldman Sachs USA was committing fraud.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for an Apple Card via XXXX wallet on XX/XX/21. I was given a {$6000.00} limit at that time. I decided not to approve it because I wasnt ready to make my purchase and didnt want to open a card needlessly. On XX/XX/21 I decided I would make the purchase and I applied again, this time via the XXXX site during the purchase. I didnt notice until it was too late, but they lowered my credit limit by {$3200.00}! There is no good reason why, either.. other than that I was making a purchase and they could see the total purchase amount. My salary and credit score did not changed in two days, why did they lower my limit so much? I tried calling and texting and explained the situation, asking that they raise it to the original offer of XXXX Their solution was to put in a credit line increase. Of course, I was denied saying my account was too new. However, the problem is that they should have given me a higher limit to begin with! Why do they lower it when making a purchase? This is super shady and I would like them to make good by raising my credit limit to the original proposal of {$6000.00}.
Company Response:
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: ACCOUNT LOCKED WITH APPLE CARD GOLDMAN SACHS I have been contacting Apple Card Support for 10 days regarding my card account being locked. They keep mentioning that it's for some safety and security reasons, but I'm waiting for outbound calls that haven't come. One was with technical difficulties where i couldn't hear anyone, the other was outside of the hours of availability I gave them. I keep contacting support who says that someone will call me, but it's the same answer every single day, either through the Apple Support messages or over the phone. They've notated my account, but I have not received the call. It's unfair that I have to wait this long without a deeper answer. I still have a balance and line, I am still ME, and Apple Support can't even be bothered to call me.
Company Response:
State: CA
Zip: 91040
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On Friday XX/XX/XXXX I was trying to make a purchase on XXXX and was presented an offer to pay for my purchase through the Apple Card by Goldman Sachs, the offer stated " Apply and use right away. '' and " See if you're approved in as little as a minute with no impact to your credit score. '' I submitted my application and provided pictures of my drivers license per the request, but did not get an approval response in minutes, and still do not have a response 4 days later. I received an email Friday XX/XX/XXXX saying it was not approved because they could not verify my identification information, but if I believe this to be an error to return to the application and reapply. I did return to the application, I reapplied and since Friday evening it says my Apple Card application is currently under review, and they will send me an update when there is one to send. They indicate they will call me, email me, text me, or send a push notification, but I have received no updates in 4 days. I called on Friday to clarify that my second application went through, and they confirmed it did. I called on Saturday XX/XX/XXXX for an update and the agent only could say it was under review. I called on Monday XX/XX/XXXX and was told that on Saturday it " seemed to clear the verification but was still under review. '' It is now Tuesday the XXXX, 4 days after my application and I have not received a response on my application in minutes, hours, or even days. This is a clear UDAAP violation where it was advertising the cash back savings I would get by applying for and using this card for my purchase, but Goldman Sachs has failed to meet its commitment in its processing time. At this point I will be required to pay for expedited shipping to receive the computer for my daughter in time for school to start. So not only have I not received a response, my cost of this purchase has increased due to the delay in processing.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A