Date Received: 2021-04-05
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 bought airline ticket with my Apple Credit Card and due to covid-19 the airlines did not travel in my requested dates. The airline ( XXXX XXXX ) didn't process a refund nor answer my phone calls, same with the website I bought the ( XXXX ) I submitted a claim with Apple customer service and they said that the charge was not fraud. I explained it was not fraud and resubmitted the claim twice. XXXX agreed to give me the money back and never did. Now I go to XXXX website and they said they can't process the refund due to the credit card dispute. Apple is telling me that they can't refund the money because I agreed to the XXXX terms and conditions and they won't give my money back
Company Response:
State: NY
Zip: 11722
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
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 put in a dispute on XX/XX/2021 for a transaction I got scammed on. the transaction was for {$2700.00} made on XX/XX/2021. I got an update on the dispute on XX/XX/2021 that the results were not in my favor. I disputed this transaction because I bought jewelry in which the seller told me it had real diamonds, I took it to another jeweler, 3 to be exact and they all told me it was not real, I do have a video of another jeweler saying it was not real. I contacted the seller and requested a refund in return for his fake jewelry he sold me, and he told me no its not his problem, there is nothing he could do about it. Moral of the story he won because he provided evidence that I bought it, in which I did, I didnt dispute it due to fraud transaction, I disputed it because I got scammed. im trying to dispute that dispute and restart the " investigation '' and submit my evidence and I was supposed to get an email but haven't. im disappointed with Goldman Sachs bank and the merchant.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have the Apple Card by Goldman Sachs ; they appear to have double billed me for a recent payment but can not explain to me why : 1. The double payment happened in the first place ( I did not schedule it, nor does the bank account against which it was made show it ) 2. Why my account now shows in arrears if the first payment was successfully processed when that payment reflected a " paid in full '' amount of the previous statement balance. 3. Whether or not my account is considered " in good standing '' after these errors on their system. 4. What steps they will be taking to prevent similar errors in the future.
Company Response:
State: WA
Zip: 98683
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: I'm filing for a complaint against Marcus by Goldman Sachs for : 1. Deceptive practice : Set higher rate 1.85 % APY CDs to auto-renew on XX/XX/2021 at a much lower rate of 0.55 % APY by default without customers ' clear understanding and explicit consent, and without adequately communicating to customers what to expect after auto-renewal ( e.g. the new APY, early withdrawal fees ), especially during the pandemic when we need the liquidity 2. Unreasonably high fees : Even though starting from the renewal day XX/XX/2021 we only earned ~ {$50.00} interests on the renewed CD, Marcus wants us to pay ~ {$600.00} to break this CD, which we didn't intend to or explicitly consent to have it renewed in the first place since we need liquidity 3. Not treating customers equally and fairly : On XX/XX/2021 when I called Marcus to get it corrected and resolved since I did not receive any communications and was not aware of the auto-renewal ( I normally receive communications on statements, rates, etc. ), Marcus claims they sent my husband communications. Upon checking, my husband received just 1 email on XX/XX/2021 regarding the renewal, which contains no information on APY, nor information regarding early withdrawal so it didn't draw his attention at the time. However, as the equal joint owner I received no communications whatsoever on such an important topic, if I had received the same email ( even though it contains inadequate information ) I would have taken actions to stop the auto-renewal since I manage our households financials. Marcus claims my husband is the " primary owner '', but legally I have joint ownership and should have the right to be treated equally and fairly, e.g. be notified of important account changes.
Company Response:
State: NJ
Zip: 07054
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received an email XX/XX/2021 from AppleXXXXGoldman Sachs that my account was closed because of a There was a failure to comply with the terms of the Customer Agreement when I called them they referred me back to the vague letter. They escalated the complaint and assured someone would get back to me as of today one week later nobody has gotten back to me. I have called 4 times since then and spoken to all sorts of supervisors who have told me they dont know and nobody knows the reason my account was closed. But I should refer back to the letter Apple sent. Another supervisor responded that Apple can cancel anytime they want for no reason. Thats seems incorrect as the terms and agreements state Apple can close any account for any reason under applicable law. Nobody is able to tell me what law that is. I have been on the phone for hours with them and nobody seems to want to or care to help. This hurts my credit and seems very unfair. As it is an Apple Card and it is closed I dont have access to the number on the card.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This complaint relates to both the Apple Card and the XXXX XXXX card from XXXX. Specifically, it is too difficult to reconcile charges on the card issuer 's statement with what was actually purchased with the card. The XXXX card lists purchases from XXXX as " XXXX '' and Apple similarly lists purchases from Apply as from " Apple.com '' Like many people, I make purchases from both Apple ( ongoing Apple Store content subscription items like the Washington Post or XXXX ) and XXXX ( virtually everything ). In order to reconcile the statements with my charges, I need to go into the XXXX or Apple web site and try to match each charge on the statement with something I ordered. And I can only do this by amount of each charge or an order number, since what I purchased is usually not even hinted at on the statement. Sometimes this is impossible, because XXXX sometimes does not record a purchase in its order listing ( e.g. the annual XXXX fee ) and XXXX inexplicably omits items on the statement from the transaction listing in the Apple Card app. For example, on my last statement, a purchase of a charger from the XXXX store appeared on the statement, but not in the transactions listed on the Apple Card app. Finally, while XXXX has a search feature on the " Orders '' page of its web site, when I use it the search feature tells me only that there are some matching entries to the order number, but won't tell me what they are. So either the web site has a problem or the search feature only works on certain unidentified browsers. This whole process is simply too opaque and time-consuming to the consumer if one simply wants to make sure all the charges are valid. Thank you.
Company Response:
State: PA
Zip: 15217
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Goldman Sachs/Apple Card terminated my account without cause. I no longer wish to do business with Goldman Sachs/Apple Card, and do not wish to contest the closure of my account. However, Goldman Sachs/Apple Card continues to report my account as open on my credit report. I have received confirmation in the past that my account is closed, although I continue to receive notifications to contact support to obtain my statement. Attempts to contact the company have remained unfruitful. Representatives are not willing to share details onto why the account is not officially closed, and I am prohibited from obtaining copies of my statements. I'd for my account to be completely closed.
Company Response:
State: TX
Zip: 76107
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
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 {$500.00} $ I did dispute from last year these charges theyre sprite transactions but the same merchant and they did not accept to refund me the amount And theyre from XXXX XXXX, because i cancel the service thats why and thank you
Company Response:
State: MI
Zip: 48314
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: on XX/XX/2021 I requested to be part of the consumer assistance program offered by the Apple card which suspends interest payments while you are in the program. In writing XXXX XXXX informed me that I was not eligible for this program due to the fact that I was not currently being charged any interest. XXXX XXXX then charged me interest for the month of XXXX, after stating there would be no interest charges due. This was in writing. I contacted the a representative of the company by phone, on XX/XX/XXXX, who then reversed the majority of the charges after speaking to them on a recorded line. After reversing the charges, XXXX XXXX then put the interest back to on the card where even if I paid 100 % of my balance by the due date they would charge me {$33.00} in past interest from the month of XXXX. This is fraud. I have attempted multiple times to get this resolved with the company and they have refused. I am being fraudulently charged interest on a balance that stated there was no interest due.
Company Response:
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
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: In XXXX of 2020 I purchased 200 rounds of XXXX from a fraudulent website called XXXX. The product for the last 9 months has shown in stock on the website. Their are countless reports of this vendor ripping people off, and they have a XXXX rating of an F. I have disputed this with my Apple card 4x and lost each time. I still do not have the product. I have threatening emails from the merchant telling me he will be my worst nightmare and ruin my life, and the credit card provider refuses to do anything.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A