Date Received: 2021-04-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received an alert from my XXXX XXXX stating possible fraud and a balance overdue. I am in good standing always with payments, so the alert was because it did not line up with my current credit history. Upon my review, there was supposedly an online account with apple on a virtual account and a charge of {$2.00}. I have made over 9 phone calls over this month to figure it out and Goldman Sachs and Apple Card can not tell me. They just keep asking me to file fraud claim and they have no idea where this came from.
Company Response:
State: MA
Zip: 01880
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX Goldman Sachs Bank Usa Reported on my account as a collection. Goldman Sachs Bank Usa XXXX XXXX credit report that this account was opened XX/XX/XXXX .Goldman XXXX Bank XXXX XXXX a derogatory mark on my credit report. Per credit Karma, Identity Iq, and Score Sense. Upon further research, this account was marked as charged off. I have not received any verification from Goldman Sachs Bank Usa except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA Goldman Sachs Bank Usa has violated my rights as a consumer and i'm requesting legal action to remove this account immediately. On XX/XX/XXXX XXXX XXXX XXXX on my account as a collection. XXXX XXXX states per credit report that this account was opened XX/XX/XXXX XXXX XXXX added a derogatory mark on my credit report. Per credit Karma, Identity Iq, and Score Sense. Upon further research, this account was marked as charged off. I have not received any verification from XXXX XXXX except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Goldman Sachs apple credit card - I called GS Apple Credit card rep and was advised a XXXX was placed on my account. I have not filed XXXX this can be verified by my social security they have made an error on their end and I am unable to use my card. I want them to resolve and apologize as I am unable to use my card. I payoff my balances and keep my cards in good standing. I have my credit score at XXXX and I have never filed XXXX
Company Response:
State: UT
Zip: 84081
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
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 from XXXX for a phone sanitizing case in XX/XX/2020. The product did not arrive as scheduled and as promised by the merchant. When the product did finally arrive, it was missing a component ( power cord ), instructions were in a foreign language, and the claims of FDA approval can not be validated. I have attempted to resolve with the merchant. The merchant 's website has an expired domain. The merchant 's email does not work. The merchant 's phone number does not work. The merchant 's XXXX page does list similar concerns and I have messaged them there. Although I can tell that they've read my messages, they do not respond. I've also filed a complaint with the XXXX XXXX XXXX in Canada about the business. There exist many, many complaints of a similar nature there. I've filed three disputes with XXXX to resolve this. Each dispute is closed in the merchant 's favor as they are able to show that I did agree to the purchase. This is not the issue with my dispute. I am not disputing that I made the purchase - I am disputing that the goods are not as promised. Further, I have found this exact same item on XXXX.
Company Response:
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
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 item for on XX/XX/21 for {$110.00} from a company named ledger. I wanted to return the item and reached out the vendor after receiving the product. I was advised the item needed be sent to XXXX for a refund within 14 days. I got a shipping quote that was about {$120.00}. I reached out the vendor and requested they provide me a XXXX address to return the product as it wasnt reasonable to pay more to return a product than it cost to purchase. They declined to provide a XXXX return address even though it was shipped to me from within the US. This company has an unreasonable return policy so I wasnt able to get my money back or return the item. The terms of my card agreement with Apple/Goldman sach state that If I am dissatisfied with the product or service I may have the right not to pay I filed a dispute with my Apple Card/Goldman Sachs. They ended up siding with the vendor vs me from the dispute as I didnt return the product even though I provided them with the facts of the vendors return policy. I disagree with their decision and have demand they either refund the {$110.00} plus any interest or use arbitration as outlined in the card agreement. They have refused to provide a credit or proceed with arbitration as outlined in the card agreement. Ive reached out them 3 times to no avail. I was even told by one rep in a chat that the card offered no consumer protections. I would like to have the {$110.00} plus interest refund to me or proceed with a third part arbitration through JAMS at Goldman Sachs expense as outlined in the card agreement.
Company Response:
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/XXXX I have applied for a Apple Credit Card twice. I make good money in my XXXX XXXX career. Apple has been proven that the algorithm has implicit bias that propagates to the end user. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my day job. https : XXXX At my income level, has a homeowner, car and 100 % on time payment history, one would think I would have a credit card. I do not. As I have gotten older I have found and understood that the credit system was first implemented in the XXXX. The algorithm remains unchanged and carries the minds and the logic of the software engineers at the time. No other country in the world ( been to XXXX ) has this system and it shows. I do not know why or what else I can or should do. What more does one have to prove to prove responsibility? Degrees? House? Car? XXXX XXXX executive career? XXXX veteran? I have achieved all of those. This needs a government audit. The damage to my credit score or my ability to build " credit '' can be calculated. This is textbook - Widen the Wealth Inequality Gap ; A Illogical Algorithm Ballard. Also, Apple is required by federal law to explain WHY they denied the application. Thy do not. They give options of what it COULD be but not what the actual reason is.
Company Response:
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XXXX XXXX, MD # XXXX XXXX XXXX, XXXX, MA. XXXX Cell # XXXX ( XXXX ) XXXX To : Senator XXXX XXXX Re : Apple Fraudulent activity Reference : XXXX credit bureau, Matter of : Dispute of the fraudulent report of a {$62.00} cash back as a late payment charge posted by Apple on XXXX XXXX resulting in drop of 72 point off of my credit score. XXXX Report Number : XXXX Account Number : XXXX Company : APPLE CARD/GS BANK USA XX/XX/XXXX Dear XXXX XXXX ; I am writing this to report fraudulent activity by Apple over financial abuse of the public. I am sure Apple has been victimizing thousands of individuals through this XXXX XXXX like activity. In XX/XX/XXXX : I purchased an Apple laptop and returned it in XX/XX/XXXX. The terms of the purchase was to apply for an Apple credit card and use the apple card for 0 % APR, they were encouraging use of the Apple credit card for general use as well, as they were offering a handsome cash back deal on general purchases. As mentioned above, I had bought but returned the laptop within the grace period they had determined and Apple credited back the cost of the laptop. But later in XX/XX/XXXX : Apple granted {$62.00} Cash Back for the original purchase, which I was not informed. I did not do any activity on Apple credit card. In XX/XX/XXXX, without any pre warning : Apple converted the $ ( XXXX ) cash back credit to {$62.00} Debit ; ( Not even to Zero, which in that case it would have meant they had taken their money back ). But Apple instead, by the conversion of credit to debit without my consent of the consumer, in fact they charged me 200 % APR on that {$62.00}. I did not become aware of any such activities, either. They say ; it shouldve shown on the App called XXXX, on my phone, but I had not set up the App, nor downloading the App was never part of the deal, either. When in XX/XX/XXXX, I finally became aware of such activity through a random checking of my overall credit score through the credit bureau ; XXXX, I called Apple and found out what they had done. I asked the Apple agent ; Apple had given me credit so why they just did not take it away? Their representative replied : Because it is not legal for us to take back the cash back. We need the consent of the customer. But instead, Apple committed fraud and turned my credit to debit which it means in direct violation of their original contract, instead of 0 % APR on the Apple card, in fact they charged me % 200 APR on the {$62.00} cash credit. Moreover, In XXXX XXXX : Apple by not receiving any payment for their fraudulent {$62.00}, they reported me to XXXX and all other credit agencies as a 30 days late payment. By doing such a late payment report, my credit score dropped to a lower category by drop of 72 points. I asked Apple why they did not let me know of the balance, that they were demanding? They said they have sent emails ( which had been going to Spam ), their representative said it is their policy and regulation that they have to call me to inform me of such a balance, but she apologized because APPLE DID NOT CALL ME AND THEY HAD VIOLATED THEIR OWN PROTOCOL! Moreover, Apple never got my consent about not to send me any statement, either. Apple failed to send me any statement, which is a routine action expected from any credit card company! Therefore, As result of Apples failure informing me, ( I was not aware of any monetary claim by Apple ) against me, I suffered major loss of credit score which created a domino effect on my mortgage acquisition or any other borrowing power. In XX/XX/XXXX : I found out through XXXX about a problem with my credit report which in fact it turned out to be that it was the first time I had become aware of any such a late payment claim by Apple. I called Apple and they said ; in order to solve the problem and to preventing the problem getting worse, all they needed, was my consent to get their {$62.00} back which by then it had turned to {$62.00} ( with the interest accrued ). Obviously, in that telephone conversation of XX/XX/XXXX with Apple, I consented to wipe out their original cash back credit of {$62.00}, as well as, I asked them to waive the {$0.00} of interest they had charged me. But in addition to the fact that I disputed the Apples original claim of being late for payment that ( I had not been aware ) for XX/XX/XXXX. But also, this fraudulent activity by Apple to circumvent the law that they can not take back the cash back they had already honored before. But in this way they have created a sham situation which through such a loophole they compel their consumer into returning the cashback credit they had falsely advertised and offered, in the first place. Subsequently, I disputed Apples claim of late payment with the credit bureau as well as I filed a dispute with Apple and request the 72 point credit score I lost to be recredited to my credit score, but I have got nowhere with Apple. When I called them again, each time after so much wait and jumping over so many hoops, they kept telling me : I no longer owe them the $ XXXX but their agent and their supervisors keep playing dumb about my demand to contact the credit bureau and remedy their destructive act. They kept promising to write me and or call me back to inform me of the result of their corrective action, but nothing has happened, despite months of wait. I have rerun this scenario with them at least 3 times by calling them within several weeks intervals, but I am still waiting for Apple to call or report their false action to the credit bureau to remedy my credit score. So, I am asking for your help and protection through requesting you, for a full investigation in Apples fraudulent activity of converting cash back credit to debit, as their agent told me in clear words that : it is illegal for them just to take back the cash credit they have already honored, they can only do it with the consent of the customer!!! I would also like to see Apple to be investigated for false advertisement, by promising a cash back and % 0 APR on Apple credit card but in action they charge % 200 interest rate by converting the cash back credit into a debit. Moreover, by not sending statement to their customer and violating their own protocol by not calling to inform their customer of their intention to charge the customer for the cash back they have honored, already, they turn their customers status into a bad credit status. Followingly, they begin to take punitive action on the consumer, such as reporting the customer to the credit bureau as well as creating a situation for Apple to charge the customer % 200 without anybody asking any question. Apple is abusing their big corporate power and privilege against the little guy in the society, to enrich themselves at the expense of ruining the little guys credit score. Sincerely, XXXX XXXX, XXXX
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Apple Card provided by Goldman Sachs does not allow you to pay balance on account until such balance is posted. The issue with this is that your credit score is impacted when you have a pending unpaid balance. In my circumstance a purchase of about {$500.00} occured on XX/XX/XXXX and I can not pay my balance until XX/XX/XXXX of XXXX I called their technical support to remedy this issue who stated that I can not pay my balance as a matter of policy. I spoke to XXXX - id XXXX at about XXXX eastern time. Further XXXX did not offer a complaints process and stated that the company does not have a grievance process.
Company Response:
State: CA
Zip: 94040
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I applied for a loan that I got at once with them On XX/XX/21 ... after a month on XX/XX/21 I did paid my first agreement.. hours after I received a credit alert from 2 credit report companys Checking my credit report account I found that Goldman Sachs pull out 3 times my credit report without any reason and made look that I tried to open diferentes accounts on those dates XX/XX/21. XX/XX/21 XX/XX/21 Ending decrease my credit XXXX points
Company Response:
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Credit card company Goldman Sacks mailed Apple credit card not applied for by myself. XX/XX/XXXX collections called requesting payment for {$32.00}. I tried to pay at that moment but was told I was not able to do so. I requested the land address to mail payment to Apple. I was provided case number XXXX and mail to Goldman Sachs Bank USA, XXXX XXXX XXXX Branch XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX. I mailed this {$35.00} check to that address and as of today they say It has not arrived for processing. The time and efforts put into this at the point is such that I personally resent this time spent on this matter. Today I provided Goldman Sacks with the number of the check and the day it was written XX/XX/21. They are continuing to hound me for the {$32.00} payment. They suggested I fill out this complaint as not initiating this account could indicate fraud regarding someone filling out the application in my name and activating the account when I did not activate it. But someone did. Today the {$32.00} remains outstanding. Please help to clarify my situation, Thank you
Company Response:
State: CA
Zip: 95993
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A