Date Received: 2021-04-22
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: Between XX/XX/XXXX to XX/XX/XXXX, I contacted Apple Card support and spoke with Goldman Sachs representatives to notify them of 13 transactions that needed to be disputed because I never received the items I paid for and was no longer successful in reaching the sales agent whom handled my purchases. I specifically recall providing detailed information about my disputes such as, items I was expecting to receive and the dates I expected for my items to arrive, to the Goldman Sachs team member who was processing my disputes. It was clear that the nature of my disputes was not fraud, but a dispute of purchases never received or delivered. By the end of day on XX/XX/XXXX I had been notified that my disputes have been processed and credits for my disputes were applied to my account. The transaction amounts were {$520.00}, {$1000.00}, {$1000.00}, {$1000.00}, {$530.00}, {$1500.00}, {$1500.00}, {$450.00}, {$1500.00}, {$960.00}, {$1500.00}, and {$1500.00}. Beginning on XX/XX/XXXX through XX/XX/XXXX, I received emails from Apple Card support informing me " Your transactions was not resolved in your favor. Goldman Sachs Bank has investigated your transaction dispute and it has been resolved in favor of the merchant because : The merchant provided sufficient evidence that you made the purchase. '' I received this same response for 11 out of the 13 disputes I had filed with Goldman Sachs Bank. It seemed absurd and certainly made no sense to me why my disputes for items not received would be resolved in the merchants favor by simply confirming that I made the purchases. It was already evident at the time I processed the disputes, that I was indeed the one who made the purchase, but the nature of my dispute was not receiving my purchase. Today on XX/XX/XXXX, I called Goldman Sachs Bank to inquire about their decision and to ask them to revise their decision because it simply did not seem logical or make much sense. The original customer service representative refused to acknowledge that there was some sort of mistake and was adamant that the reason that they could not change the decision is due to the fact that my account is closed and no longer active. She also insisted that we are now outside the timeframe to take further actions with my dispute. Frustrated by her ineptitude, I immediately requested a supervisor, to which a supervisor by the name of XXXX from the fraud department, answered by call. I explained the nature of my disputes to XXXX along with my reasoning for why Goldman Sachs decision to resolve the dispute against was in error that needed to be corrected. I then asked XXXX to confirm the nature of my disputes to ensure that my disputes were indeed processed correctly as items not received rather than as a fraud dispute. XXXX did confirm to me over the phone that my disputes were processed correctly as items not received, however, she also insisted that there was nothing Goldman Sachs could do at this time because we are now outside the timeframe to pursue the dispute further. I was terrified by XXXX response, because she made it clear that there was nothing more she can do for me despite acknowledging the fact that the decision to resolve the dispute against me was questionable. Even after I explained that this mistake is Goldman Sachs fault and that Goldman needs to take responsibility for its negligent actions, because their mistake is causing me significant financial harm. She wished me good luck, and we ended our conversation. To my understanding, my disputes were valid, and the disputes should have been resolved in my favor unless the merchant provided documentation to support the fact that the items purchased were in fact delivered. This would include tracking numbers from a carrier, or a signature from someone confirming services delivered. The fact that the merchant provided evidence to confirm that I made the purchase should not have been considered the same as providing information to confirm that the items/services purchased was delivered.
Company Response:
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Ive applied for an Apple Card and its been rejected numerous times because of my identity. Ive submitted my ID card and have tried submitting the application with just my last name, with both last names, with first middle last and maiden name and theyve all been rejected for unable to verify identity. I called was told that Goldman Sachs is intrusively and without our permission going through our digital footprint. I feel Im being discriminated based on my gender. Im a transgender female and havent changed my legal name so obviously my digital footprint is all female which matches with my face on my ID but doesnt match with my legal name since I havent changed my legal name. I asked two representatives and they both just repeated themselves and said denials were based on my identity even though they used my social, name, and birthday to get me verified to speak with them. I dont see a valid reason for Goldman Sachs to deny me credit. I have good to excellent credit. So please review Goldman Sachs for this discrimination & for being intrusive with the amount of information theyre illegally taking from our phones without our permission.
Company Response:
State: FL
Zip: 34748
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: In XX/XX/2021, I was approved for Apple Card. I requested the titanium physical card, and I have yet to receive it. I have called Goldman Sachs and Apple regarding this issue, and have yet to reach a resolution. After many weeks, a manager finally called me just to tell me that the issue is still being worked on. I do not understand why it takes so long to issue a physical card.
Company Response:
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I do not qualify for Apple Pay credit
Company Response:
State: CA
Zip: 90660
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: When activating a new Apple Credit card you bring your XXXX near a spot on the mailer and it automatically activates the card. Apparently this also ( without asking ) adds your account information to allow Apple to charge this new credit card during any Apple purchases. In my example the card information was added automatically and was then charged for the monthly cost of additional Apple cloud storage space even though I had previously only authorized a different card to be charged.
Company Response:
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hello, I signed up for an apple card in late XXXX ( XXXX ) using a promotional link to receive {$50.00} in Daily Cash when you spent {$50.00} at XXXX XXXX gas stations with Apple Pay within the first 30 days of being a new cardholder. This is my first apple card as I have never had one before. I made 2 charges at XXXX XXXX pumps using Apple Pay with the XXXX app totaling {$87.00} in the month of XXXX, clearly within the stated time frame to receive the promotional reward. The transactions are even marked as " Promo Daily Cash '' on my XXXX statement. All I got was 3 % cashback for the transactions. Here is the pertinent info taken directly from my XXXX statement regarding this issue : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA USA 2 % {$0.00} {$37.00} Promo Daily Cash 1 % {$0.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 2 % {$0.00} {$49.00} Promo Daily Cash 1 % {$0.00} Total Daily Cash this month {$2.00} Total charges, credits and returns {$87.00}
Company Response:
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
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/2020 I requested a refund of {$790.00} to the company XXXX. After a few months and no noise from the company, i reached out on XX/XX/2020. No feedback. I waited a few more months then on XX/XX/2020, I started a claim with Apple Card to get my payment back. They chose to be in favor of the merchant. From that point until now, even after all the documents and proof of XXXX not complying to my orders of a full refund, they still have not refunded the money. I have made XXXX chargeback claims through Apple Card with no avail.
Company Response:
State: CA
Zip: 94401
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I participated in the following Marcus Savings {$100.00} Bonus Offer : Marcus is offering {$100.00} when you deposit {$10000.00} or more in new funds into a new or existing Online Savings Account within 10 days of enrollment. You must maintain those funds plus your current balance for at least 90 days. And I satisfied the requirement by depositing $ XXXX into my account by XX/XX/2021. I was able to see the bonus tracker after the deposit, which means I was eligible for that bonus. At that time there is total ~ $ XXXX in my account ( XXXX old XXXX new ) and I kept existing money along with the new money in my account as required. Later on XX/XX/2021, when I transferred my old $ XXXX out of my account, someone from Marcus called me to confirm the account details, but he did not mention or warn me that doing the transfer would cause me losing the eligibility to receive the bonus. And after I did the transfer, I found out that I don't have that bonus tracker anymore, therefore I called Marcus and they said my eligibility is revoked. As a customer who was attracted to deposit new money into Marcus saving account because of the bonus program, Marcus should have the obligation to notify/warn me if any transaction would cause me losing my eligibility to receive the bonus, I should have the right to be clearly informed with the consequences.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Apple Card is refusing to open an account for me because they can not verify my identity supposedly. I have been a victim of identity theft and I am under the military act
Company Response:
State: MS
Zip: 397XX
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A