Date Received: 2021-01-02
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I'm not sure about the exact dates, but I believe this issue transpired sometime between XXXX and XX/XX/2020. My child had created a face id on my iphone without my knowledge and then downloaded a game where she then proceeded to make roughly $ XXXX of purchases spread out through several of my credit cards that were stored in my wallet, including {$2000.00} on my Apple Card from Goldman Sachs . When I discovered the issue I immediately contacted all of my credit card companies and after their investigations they determined that the charges were fraudulent and refunded the money. Goldman Sachs however did not agree that the charges were fraudulent. So, I went to my bank and they found that the charges were fraudulent and refunded the money. After this, Goldman Sachs closed my account and charged me for the charges. I have been making payments to avoid credit issues, however, I never authorized these charges and I shouldn't be paying for them.
Company Response:
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2021-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I request a reconsideration and review of my Apple Card application by a human that was rejected by the automated system. 1. The missed payments were only from the coronavirus shutdown when I was forced off work which Im back working if you checked I havent missed any other payments, 2. The bank account closed is listed in error and was not mine my identity had been stolen. 3. You say my credit limit is too high but XXXX XXXX shows it at only 9 %.
Company Response:
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am a new Apple Card customer, and received my card in XXXX. I set up my bank account for the payments and set up an automatic payment to my card on the payment due date. Everything was looking right on the Apple wallet app and my payment looked like was gon na happen on the due date. However a payment didnt happen and I had to pay my payment manually on the next day. When I contacted to the customer representative they couldnt explain what happened and why it didnt work. However I did setup my payment properly on time, thats why I dont accept any responsibility about this late payment. I dispute any late payment fees and any bad sings on my credit score. This was a terrible experience and has to be corrected.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/24 I made a Ach transfer for XXXX $ They told me because they received so many transfers, mine was delayed for 3 days, although it was processed as complete on XX/XX/24. I called in for 4 days since XX/XX/24 and each time they told me to wait the 3rd business day. They were using this one transaction to steal money from my account. I would like to speak with someone from their bank
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My credit score is XXXX good right?! Well yeah Ive only had it for 2 years but still everyone deserves a chance to build or demolish their credit. Thats what credit is for. Besides the benefits of a credit card. I have one through pinnacle but the other card companies keep denying me
Company Response:
State: VA
Zip: 24018
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Goldman sack say they can not confirm my identity and sent me to you
Company Response:
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
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 a restaurant for {$200.00} with a tip of {$40.00}. I was charge {$270.00} instead. XX/XX/20 - I opened a dispute with Apple card support ( Goldman and Sachs ). XX/XX/20 - The dispute was ruled in favor of the merchant ( stating the merchant provided significant evidence proving the charge of {$270.00} was correct ). XX/XX/20 - I asked for the evidence that went into the decision to rule in favor of the merchant. Goldman said I would receive an email within 2 days of this evidence. XX/XX/20 - I contacted them again because I did not receive an email with evidence. Goldman resubmitted request and said I would receive it in 7 days. XX/XX/20 - Still didn't receive evidence so I contacted Goldman 's again. Manager said he would expedite this. XX/XX/20 - Still didn't receive any evidence so I contacted Goldman 's again. Said they would send via mail now? XX/XX/20 - Still didn't receive any evidence so I contacted Goldman 's again. This time they told me the evidence was submitted by a manager and is on the way. XX/XX/20 - Still didn't receive any evidence. The person I contacted seemed like he didn't know about the previous communication I had with Goldmans. XX/XX/20 - I called and talked to a manager who said they are sending it via mail. Still don't know why I haven't received it or why they can't send me any sort of tracking number? XX/XX/20 - Contacted again and Goldman 's asked me to verify my physical address as they sent it in the mail. I verified it and it matched what they had on record. XX/XX/20 - Contacted Goldman 's via phone to talk to a manager again. They couldn't explain to me why the evidence is not coming to me and they couldn't send it to me via email. I had to ask for a manager multiple times. Still waiting for evidence. Note ** I can also provide text message conversations from this dispute if needed.
Company Response:
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I sent XXXX $ From Goldman Sachs USA to XXXX on XX/XX/20 and they emailed me stating it was completed but when I called to find it they told me it would be 3 Days. I still havent seen the funds
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-25
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 currently have an apple card. I was going to make a purchase on XXXX but the seller said that he could have me make the purchase on his website and it would be cheaper for shipping and taxes. So I went to the website and used my apple card to purchase the item online. The total was over {$3800.00}. I realized less than 5 days after making the purchase that the vendor ( XXXX, XXXX ) was fraudulent based on my communications with him. I immediately confronted the vendor and he showed me screenshots that the money was refunded. I contacted apple card support with the information and they filed a dispute. Approximately 2 months later, I received an email saying that Goldman Sachs ruled in favor of the merchant. I was upset and called back, I was never provided a phone number to speak with anyone at Goldman Sachs. Apple card support said that their employee had entered the initial dispute incorrectly. Since I had never received the items, I would have to have it reentered. I said I had tons of images of text message conversations with the vendor on the phone and the support agent said that they would contact me to ask for this evidence. I was never contacted. I received an identical email after several weeks stating that Goldman Sachs had ruled in favor of the vendor. I have called them at least 5-6 times at this point with no resolution. Each time I submit a claim, they email me a month later saying that they ruled in favor of the client. I never received my item and I am out nearly {$3900.00}.
Company Response:
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2020-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have received a letter from my online bank Marcus by Goldman Sachs dated XX/XX/XXXX, that my CD account will be closed on XX/XX/XXXX. My CD account has a 12-months term. It was open on XX/XX/XXXX and it matures on XX/XX/XXXX. The letter from Marcus didn't provide me with any reason as of why my account will be closed. I contacted Marcus and I spoke with 2 of their supervisors about this issue. They both could not explain me why my account is being closed. One of those supervisors by the name XXXX told me that that was a business decision made by the bank. I strongly disagree with the bank 's decision about closing my CD account before it matures on XX/XX/XXXX. I locked a high interest rate when I opened my account back in XX/XX/XXXX, and I will lose a considerable amount of money, if the bank closed my accounts prematurely before the 12-months term is up.
Company Response:
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A