Date Received: 2021-07-15
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: APPLE CARDXXXXGS BANK USA reported a New Bank/Credit Card to your XXXX Credit File. i never got a card and they are now reporting to the bureas
Company Response:
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: GOLDMAN SACHS SAVING ACCOUNT. Ive open an account and funded them, 6months after, they just closed my account and didnt send me my funds XXXX XXXXor more!
Company Response:
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Morning, I have a Goldman Sachs Apple Card. I used it to purchase an XXXX XXXX and watch back in XX/XX/XXXX. I was having user ability issues and during the peak of covid most apple stores were limited so I returned the items the same month of purchase, XXXX of XXXX. Install payments seized after I returned the products. In XXXX, XXXX i starter being charged install payments in the amount of {$11.00}. Once I noticed this amount was being charged for a returns item I immediately contacted Apple and Goldman Sachs. I have made many calls and get transferred multiple times. They have proof the items were returned. I made a duplicate payment in the month of XX/XX/XXXX and I should actually have a credit on my store account. They took the duplicate payment and applied it to XXXX XXXX for products returned. If this sounds all confusing to you I understand but the issue is they keep charging me. When I asked them to close out my card due to their own incompetence they read a disclaimer that I would be responsible for the total bill owed. I am not paying for installment payments for products returned. They keeps charging me monthly and while everyone is polite and kind when I call they continue to charge my account. I was told that my account would be frozen while they investigate the matter but instead I received a letter stating it Thuy are trying to collect a debt. They have failed to show my why I am being charged this amount and havent cleared this matter up. I have asked them to contact their tech support. They keep misappropriating my payments and I dont owe them money. They have failed to return my funds and I am thinking about contacting the media. I have never had a credit card fail to investigate fraudulent charges to an account and they have the nerve to send me a bill requesting payment.
Company Response:
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: Why cant i get approved for a apple card
Company Response:
State: IL
Zip: 60101
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: GOOD AFTERNOON, I AM INQUIRING ON THE INSTABILITY OF THE FOLLOWING CREDITORS, FAILING TO REPORT INFORMATION AS THEY SHOULD TO XXXX ( CREDIT REPORTING AGENCY ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXS XXXX XXXX ALL OF MY CREDIT INFORMATION WITH XXXX WAS REPORTING FINE ON MY PREVIOUS REPORTS. THIS IS CRUCIAL, AND DISABLING THE ELIGIBILITY OF BEING ABLE TO BUY A HOME/OR GO THROUGH THE MORTGAGE PROCESS OVERALL. I HAVE BEEN IN CONTACT WITH MY CREDIT MONITORING REPRESENTATIVES, ALONG WITH XXXX THEMSELVES. THEY STATE THAT EVERYTHING IS GOOD ON THEIR END. IN THIS CASE, THE ABOVE MENTIONED CREDITORS ARE NOT GOING BY WHAT THEY'RE ENTITLED TO DO. I AM REQUESTING FOR THEM TO START REPORTING MY INFORMATION AGAIN, I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTIONS WITH THIS. I GREATLY APPRECIATE IT.
Company Response:
State: FL
Zip: 33014
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Apple Card was fraudulent charged for XXXX order back on XX/XX/2021. I do not know what this charge is about and where it even came from. I even contacted XXXX and they admitted it was fraud and so I contacted my bank and they keep denying its not fraud but I never made this charge. Why am I being held reliable for something I didnt do?
Company Response:
State: CA
Zip: 94534
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
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/XXXX, I noticed a charge on my Apple Card for {$920.00} for a purchase made at the Apple Store on XX/XX/XXXX, which I did not make or authorize. I immediately initiated the dispute process via XXXX XXXX see screenshots XXXX. They reversed the charge and began the investigation. This past Wednesday, XX/XX/XXXX, I received an email notice from Apple Card / Goldman Sachs that the dispute was being ruled in Apple 's favor, because I was contacted to provide additional evidence, and did not reply. They applied the {$920.00} to my account ( see screenshot - official language - " No response was received for the request for additional evidence in the past week. Using available information, we decided that you should be responsible for this charge '' ) Searching my email, I found this to be not true. I immediately CALLED rather than using XXXX and spoke to someone who said they saw that that message had been sent to me, however that I was correct that no email had ever been sent to me to request additional information - Goldman Sachs had effectively ruled the case in Apple 's favor without actually contacting me for anything- They credited my account and re-opened the dispute. She had let me know that this transaction had been done via Apple Pay, so securely via a device. On XX/XX/XXXX, I was nowhere near an Apple Store- I was camping in the woods with friends, all of whom can provide evidence that I was with them. Later that day, I received another email stating the dispute was ruled in Apple 's favor ( again ) due to the fact that the merchant had issued a credit. Apple had not issued credit, but rather Goldman Sachs a credit for the time for the dispute. They re-charged my card for the amount in question. I called and had the dispute again re-opened. The woman on the phone admitted that Goldman Sachs had done incorrectly, and the person looking over the dispute had clearly mistaken their credit for Apple 's credit. She re-opened the dispute once again, and the charge was taken off my card temporarily. XX/XX/XXXX, I received a notice that the dispute was once again being ruled in Apple 's favor due to them providing evidence that I had in fact made this purchase. I called to once again open the dispute, but they were unable and are now entering an investigation in which I will be required to submit evidence that I did not make this purchase. I'm not sure how to provide evidence for something I did not purchase - and can not and WILL not pay {$920.00} for something that I did not purchase which is clearly fraud. The process that Goldman Sachs has been implementing is not only incredibly unprofessional, but sloppy. Now I'm waiting for an investigator to contact me to try to further review the case and for the " evidence '' that is being used against me. I did not make it, and the few devices in which I'm able to use Apple Pay on were within my possession on XX/XX/XXXX. I do not have faith that the investigation will be done correctly, so I am including the CFPB for assistance.
Company Response:
State: NY
Zip: 111XX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
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: My Apple Card which is underwritten by Goldman Sachs, isn't updating my account accurately with the 3 major credit bureaus.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account never charge off
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a phone call from a gentleman saying he was calling from Apple Credit Card and said that I missed a payment and that he was calling to collect a payment from me, I told him I didnt have an Apple card and if I did I would call Apple directly and he ignored me and suggested me making a payment since he had me on the phone, I repeated what I had previously said and hung up my cellphone. He did have my full name, I called Apple Support and notified them of this and they confirmed that they DO NOTCALL for payments, they sent me this link to do a report and said they were going to write this information for their records
Company Response:
State: NJ
Zip: 07105
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A