Date Received: 2021-03-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I got a new Apple Card from XXXX. I have only had it a couple of months and have not missed a payment. On XX/XX/21 I paid my statement balance of {$2800.00}. It was taken from my bank account but the issuer informed that the payment and the card have a hold on it until XX/XX/21. They told me it was due to a reversed payment in the past and that in the future to have my payments in on time. I have not missed a payment and have not carried a balance. I was able to provide proof on that and they determined that there had never in fact been a payment reversal. They tried twice to release the hold but were unable to do so. I asked for an explanation as to why and was told by the supervisor he doesn't know why. He submitted a complaint on my behalf telling me " I might hear back from someone ''. This is clearly a way to deter people from paying the statement balance so they can collect interest. So now I am missing nearly {$3000.00} from my checking and can not use my Apple Card for two weeks.
Company Response:
State: WI
Zip: 549XX
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have an account being reported that is not mine and the same account is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. How can it be verified when the bureaus are reporting different dates for the last activity and last payment?
Company Response:
State: NY
Zip: 11581
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Apple Card/GS Bank and XXXX XXXX/XXXX. The Account Opened is Apple Card/GS Bank Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$690.00}. The Account Opened is XXXX XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2021, I opened a second dispute of Goldman Sachs with XXXX and XXXX. I submitted proof to XXXX that I sent a verification letter to Goldman Sachs and they did not respond within 30 days. XXXX notified me that their investigation was complete on XX/XX/2021 and the negative reporting of Goldman Sachs remains on my credit report.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2020 {$1900.00} was charged through 8 separate purchases to a merchant named 'Simply Surplus ' to my Goldman Sachs Apple Card . Upon receiving an unusual activity alert I immediately froze my account and called Apple Card. I never lost my card and the customer service representative told me it had probably been skimmed somewhere. They assured me that these charges were in fact fraudulent and that I would not need to pay anything. The customer service representative disputed each charge and said I would be receiving provisional credits. I never received provisional credits for the full amounts of these charges. They were either partial credits or none at all. I have called them every week as I have been going though this and have not gotten anyone to fix it. I recently called and they said one of the disputes had been sided in the merchants favor. The representative stated that this did not seem right as it was clearly fraud. Today there is still a balance of {$320.00} that is gaining interest every month. The 'overdue balance ' is having an extremely negative impact on my credit as it has dropped 200 points. I have called XXXX to file a dispute with them to amend my credit report. Here are each of the separate transactions charged one after another. After I froze my card several move transactions were attempted under a different merchant name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
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: On XX/XX/26 XXXX Car rental over charged {$200.00} claiming I returned the vehicle late. I did not. I disputed the charge with Goldman Sachs ( Mastercard ) and on XXXX they charged me back the {$200.00} and claimed that they sided with XXXX. I called and asked for an appeal, they said they will appeal it and get back to me within 90 days. Today 90 days later I have not heard anything from them. I called them and asked for an update and there was no record of my appeal. They said I can not appeal the decision unless I have new proof. I told them XXXX will not call me back, and I can't get any proof ( The return was late due to the return area gate was down ) XXXX will not acknowledge this.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Tried closing My Goldman Sachs Apple Card by calling customer service. They told me the account was restricted. I asked why. They couldn't give me a reason as to why my account was restricted. Employees refused to give me any information on the account. I would like my account completely removed and my information completely out of Goldman Sachs ' database.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Goldman Sachs was supposed to send me additional documents to verify my identity. I was told when I applied that this would be sent to me during the application process. Instead, I have been declined because they claim they can not verify me but never sent any additional documents. I have received many different answers from a number of associates. Based on their lack of solutions or help, it is apparent to me Goldman Sachs is discriminating against me for some reason. Very shocking given my XXXX credit score
Company Response:
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
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: This is my SECOND COMPLAINT AGAINST APPLE FOR THE WAY THEY DO BUSINESS. I had a merchant XXXX refund me on a random card, which was the Apple Card. The original transaction never came from my Apple credit card. The amount was XXXX. Apple decided to TAKE - {$1.00} cash back! As if the Original transaction came from this card, And Ive been chatting, on the phone with apple go get this credit balance sent via check, Apple Cash. They all refuse to help me. I hate this card so much and I will never ever recommend it. What a XXXX nightmare. SEND ME MY {$120.00}!!!!!!!!!!
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A