Date Received: 2021-05-27
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Nothing happened coronavirus came lost employment and went to work for food delivery was not making enough money to pay will not be able to pay have gotten quite I'll
Company Response:
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I applied for the Apple credit card and was notified that all I needed to do was added XXXX XXXX wlet to use. Apple XXXX keeps making me apply again because I not using the correct apple ID. Contact apple to notify them that I never open through a different apple I'd but she in the process of fixing it The person that open account already called and close the account. They are able to pull up my social is so that I have had an account open but show that it was closed. Now theyre not allowing me to open up a new account because he keeps on denying me. Purchases which also made all my XXXX XXXX XXXX do you Apple and XXXX And I provide them all information and they are still unable to pull up any information even though I have receipts proving it. The person is calling in changing information and blocking my accounts so Im unable to access them and purchase anything to Apple. I have 10 college and I need to purchase equipment in order to finish my degree in an able to need assistance
Company Response:
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Goldman Sachs XXXX Account XXXX XXXX .... continues to appears on my credit report after I have provided the Credit reporting company ( XXXX ) thst this particular account is fraud and not mine. I've submitted police reports stating the error and I've threaten them with a lawsuit and its still showing as verified account. I've also sent this information to Goldman Sachs as well. They have NEVER investigated the issue after showing proof. I'm not sure why I keep getting letters that are threaten intent. These tactics are illegal and these companies are getting away with it. I want this to STOP> I need to request this old account to be removed from my credit file immediately before I approach the social media and new outlets as I'm being taken advantage because I'm a person of XXXX. I will claim XXXX discrimanation in a lawsuit. Thank you l!
Company Response:
State: CA
Zip: 92506
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/2021 I applied for the Apple Card using the my information that has not changed on any previous applications I have submitted. I was told by the Apple Card by Goldman Sachs Manager that I can reapply anytime but for some reason that is not true. When I submit an application I continue to get You have applied a number of times and we can not verify the information you have provided at this time so basically they arent allowing me to reapply. Since XX/XX/2021 which is another day that I had applied there has been changes to my credit report but they are not allowing me to reapply.
Company Response:
State: IN
Zip: 46260
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
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: I made a purchase on XXXX on XX/XX/2020 for a project that was funded called XXXX XXXX made by XXXX. The transaction was {$180.00} and after a short period of time, I got an email from them that I can choose add-ons to the masks I paid for that I paid on XX/XX/2020 for {$71.00} for it. I have contacted XXXX regarding refunds and they denied that they ever promised a deliver on XX/XX/2020 and they told me they will be shipped on XXXX of XXXX. Ever since then I have been contacting Apple Card support with Goldman Sachs and they been putting my dispute through and every time it getting resolved against me stating you made the purchase. I told them many times that I did made the purchase but the seller never delivered and they denied me refund and they still after almost 8 months of delay have not send the items to me. If you would look at XXXX page of XXXX XXXX, you will see hundreds of comments of angry people like myself that paid hundreds and in some cases thousands of Dollars and non of them received their items. And that is because this company is committing a fraud and protecting themselves behind XXXX policy. XXXX legally is the company who collects the money and credit card companies go after them and not the scammers who XXXX pays the money to. This issue have taken 7-8 months of my time and at this point, there is zero chance of me letting it go and Apple Card Goldman Sachs finally sent me 2 letters with copies of privacy policy and terms and condition of XXXX as a reason of no refund. I have never had this issue with any other credit card company and I am deeply disappointed and dissatisfied of their service and I had to submit my complaint to you so perhaps you can help me get my rightful refund. Thank you in advance
Company Response:
State: IL
Zip: 60004
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
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/XXXX, I bought a sofa from XXXX. they delivered me the incorrect sofa model and color. I called them to report the issue and so far they have not send no one to pick up the wrong one and send me the correct one. I have disputed the charges for {$2100.00} plus interest with apple card ( Goldman Sachs ). they never sent me any status o my dispute and they have keeping posting again the charges on my account. they not helping me at all, with this scam. Second complaint : Company responded : Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/XXXX. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX ( the Customer ). The Customers concern references a transaction dispute with the merchant, XXXX, in the amount of {$2100.00}. The Customer initially stated the merchant shipped an incorrect item. The merchant voided a return refund, as the Customer opened a transaction dispute with the Bank. The Bank initiated a three-way call with the merchant and the Customer to facilitate a return of the incorrect merchandise. The merchant advised they are able to schedule a pick-up of the merchandise for the Customer, once the dispute is resolved. The Bank has resolved the dispute in favor of the merchant, as the merchant has agreed to arrange for a merchandise pick-up for an exchange or return. The Customer is requested to contact the merchant in order to schedule a pick-up for the returned item. Based on the above details, we kindly request this complaint be closed. Goldman Sachs is in violation of my consumer rights. this issue I had to deal with it has been for the past 9 months. I never agreed to this terms ( Please request recordings of our interactions ). I have tried multiple times on returned the merchandise e and they always lie to me saying they going to send someone to pick up the sofa and they dont send no one.
Company Response:
State: AR
Zip: 72701
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
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: After receiving an email advertising apple XXXX XXXX cases at half price from a company by the name of XXXX, I placed an order for 4 cases on XX/XX/XXXX ( 1 for each member of my family ) using my Apple Card. Total price was only {$120.00} The company, XXXX, never sent me the cases. Further their website was shutdown and there are numerous comments online about the company being fraudulent - portraying itself as being part of xfinity but never shipping anything to anyone and not actually being part of XXXX. I have since tried to dispute this charge with my Apple Card by Goldman Sachs. Despite submitting the only info I have multiple times and pointing out that the XXXX website was shutdown and that the company was a fraud, Goldman Sachs has opened a dispute, credited the charge and then reversed the credit in the favor of the vendor 3 times. On XX/XX/XXXX, they finally sent me an email letting me know that the dispute had been decided in my favor but they had already reversed the credit. When I initially called to ask and them to credit the charge, the agent apologized that it had not happened and told me that she was escalating the issue to her supervisor and that it would be taken care of right away. I called again this past Sunday and the same thing happened - Apology, filing a report, it will be adjusted and you'll get a call from a supervisor, very sorry. Yesterday, I once again called and the agent told me that the email stating that the dispute was resolved in my favor was in fact an error and that we could once again start over and contest the charge ... I can't make this stuff up
Company Response:
State: NJ
Zip: 07039
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Fraud happened to me and I disputed on XX/XX/XXXX. The criminals used my Apple Card Goldman and Sachs bank, which was stolen in the amount of {$310.00} to purchase from XXXX and on XX/XX/XXXX {$110.00} for a restaurant called XXXX XXXX. These were not my two transactions.
Company Response:
State: TX
Zip: 78254
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Managing an account
Subissue: Problem with renewal
Consumer Complaint: I opened a CD with Goldman Sachs on XX/XX/XXXX. It auto-renewed on XXXX/XXXX but I received notification of the renewal on XX/XX/XXXX, which is after the ten day grace period for renewal. I called the company and was told that the procedures for renewing are disclosed in the DD & A. I think waiting to notify an investor of a CD renewal AFTER the grace period is not within the rules of fair disclosure.
Company Response:
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-16
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/XXXX, I made a purchase at XXXX using my Apple Card in the amount of {$1100.00}. XXXX days later, I received an email stating my package has been delivered. I went to get the package and there was no package. I reviewed security cameras and no delivery courier ever came to my home that day. I immediately phoned the merchant to inform them that the package was not delivered. They advised me to contact XXXX and handle it on my own, stating there was nothing they could do. Upon investigation, XXXX determined the package was lost or stolen in transit. The merchant was notified of this outcome. The shipper, XXXX, has indicated they have informed the merchant of this finding many times as well. I have contacted the merchant several times by phone, chat and email and they have refused to provide the merchandise. I filed a dispute with Apple Card for this transaction on XX/XX/XXXX. I was issued a provisional credit in the amount of the disputed charge. XXXX months later, the dispute was closed under the reason : " The merchant provided sufficient evidence that you made the purchase ''. Im not disputing that I made the purchase, but rather that the merchandise was not provided. I have reopened this dispute many times, which are again denied on the same basis. I reinitiated the dispute again 2 days ago. When I reach out to Apple Card customer care, I get a form response stating they will get a supervisor to look into it. I have submitted evidence of the merchant refusing to give me the merchandise or refund. I don't believe there are actual human beings looking into disputes at XXXX XXXX XXXX XXXX XXXX. Each communication seems like a canned response and they do not seem to understand what is going on. I placed the order on XX/XX/XXXX, XXXX months later I still have not received the merchandise. I will not pay for items that I have not received. My last correspondence with the merchant in XX/XX/XXXX indicated that they will ignore my requests to get the merchandise. I have no interest in continuing to beg for the merchandise for which I have paid. I find this unacceptable. XXXX keeps putting this charge back on my card. This is tying up a portion of my credit limit. From my perspective, XXXX XXXX is assisting the merchant by continuing to let them hold my money/property and not giving me the merchandise. All parties involved are jeopardizing my credit. I have spent hours trying to rectify the situation. This has been the worst customer service experience Ive had with any company. Ive attached some screenshots.
Company Response:
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2021-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A