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: I was charged onXX/XX/XXXXI issued a dispute with my credit card company which is the Apple Card and the merchant. The merchant issued a refund and the credit card issued a credit. I asked for the credit card to remove the credit to avoid charges. I was told they removed it. And that I would not have to worry and it wouldnt be added to my account. However they charged me on XX/XX/XXXXfor the amount of the provisional credit and refuse to remove it even though I do not owe and was told I would not have to pay.
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2021-03-02
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: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2020 its XXXX $ And the for the merchant XXXX ( XXXX )
Company Response:
State: MI
Zip: 48314
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a Goldman Sachs Apple Card with a 2000 dollar limit they wont allow me to make any charges to my card and I am only at XXXX dollars. Someone is controlling my credit accounts and limits illegally as part of a control and credit fraud scheme where they give known informants credit that they are taking from me.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
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: XX/XX/20 I made a purchase at XXXX for {$2800.00}. After shipping delays, I received the wrong item before receiving the correct item and returned it on XX/XX/20 back to the XXXX XXXX physical store XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I was promised a refund. None has been issued to me. XXXX XXXX has a record of my return. I filed a dispute with Apple Goldman Sachs card due to no refund. Apple Goldman Sachs, backed by Mastercard, provided me with a merchant response that states XXXX XXXX, XXXX issued for XXXX. The remainder of the funds has not been issued. Apple says XXXX XXXX told them I got a gift card. I contacted XXXX XXXX to get this gift card and so far none of the managers ( XXXX XXXX XXXX Store ) XXXX or XXXX or XXXX can track it down and the folks at corporate call center has acknowledged that a gift card does not exist. Given the miscommunication and XXXX XXXX XXXX inability to solve this or properly communicate directly with me, the credit card should issue me the amount due to me {$2800.00} - {$42.00}. I have paid off the card so you can send me a check to my new address.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: I found out today through my banker at XXXX XXXX that my credit score has dropped significantly do to an unpaid bill on Apple Card. I do not have an apple!! I was asked to call the company which I did. I informed them that I dont even have an Apple as I never opened an account. They told me that the only way to clear this is to file an identity fraud report either with the police or on the XXXX site. Then get a copy of the report and mail it to them so they can begin the investigation. So as crazy as it may sound I need a copy of this to mail to the company, Goldman Sachs, so they can start the investigation. Thank you
Company Response:
State: CA
Zip: 931XX
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and request to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Goldman Sachs Bank a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery. The company has not responded to any of my letters over a 6 month period.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Paid {$1900.00} on XX/XX/XXXXto Goldman Sachs / Apple. They take 10 business days to post a payment even after the payment has cleared the account. They will report incorrect information to the credit bureaus due to this practice.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: Apple card advertised I was eleigible for a credit card WITHOUT any hard inquiry to my credit and that my credit would not be effected and IT WAS. I want it removed
Company Response:
State: TX
Zip: 76108
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: PURSUANT TO 15 USC 168a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 168a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title15 chapter 41.
Company Response:
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I applied for a truck loan with XXXX XXXX last week and I was approved. I never had any issues with someone trying to obtain credit under my name before I applied for a car loan. I got an alert that someone applied online with Apple with Goldman Sacs or a Apple credit card which I never applied for. I called Apple letting them know this and to close down the account, they would not and gave me the worse customer service I have ever had. They told me I needed to file a police report to get this taken care of. I called XX/XX/XXXXto get this off my report, but they said I needed to get a hold of CFPB to file a complaint first to get it off. I had this same issue with XX/XX/XXXXand XXXX XXXX, and I called up both companies, and they told me they will send me a letter as well as send a letter to the credit bureaus to take off the inquiry, so they were very helpful, but XX/XX/XXXX and Apple/Goldman Sachs was not. Please have the hard inquiry with XX/XX/XXXX taken off of my credit report as I did not apply for an Apple Card.
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A