Date Received: 2020-12-22
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/XXXX I went to the XXXX store located at XXXX XXXX XXXX XXXX in XXXX XXXX. I made a purchase using my Apple card. I purchased TWO items under the same transaction. One I took with me. The SECOND one was to be delivered to my home. The total amount for BOTH was {$140.00}. I never received the shipped item and I am requesting a reimbursement for that unreceived item, it amounts to XXXX plus tax. I later found out that the clerk at the XXXX store did not type in the correct address when placing my order. I know this because once i got a delivery confirmation email, I immediately called XXXX XXXX and asked what address it was delivered to. The operator read that address to me and that is not the address I gave to the clerk on XX/XX/XXXX. I have my receipt from that day and my address was not printed nor did the clerk read it back to me, I had no way of knowing he got the address wrong. My address was wrong by one digit. XXXX told me I would get a replacement sent out and never did. I was also told a " manager '' would call me and that never happened either. I filed a transaction dispute with Apple card on XX/XX/XXXX or so and explained this to the rep. but Apple disputed the WHOLE transaction, not just the missing item. I am not disputing the entire thing, I just don't want to pay for the item that was not shipped to me and that I did not receive. I am disputing the XXXX order # XXXX XXXX, REF ID XXXX in the amount of XXXX plus tax. After about 2 months Apple sent me an email saying my apple card was legitimately used and therefore I am liable for the whole thing or something to that effect. I called Apple right back and asked if I could appeal that decision. Apple asked if I had new proof and I said yes, I do. If you ask XXXX to document what address the missing item was shipped to you will see it's not the address I have on file with you. I only have one address for all purposes. I explained all that the first time around, so I feel like we're going in circles. They told me the only thing they can do is dispute it again BUT again they disputed the WHOLE amount. I don't think they understand the delivery problem or it's not getting transmitted for some reason. Also they don't care to look at my sales receipt. To recap : I know I made the purchase. I am not disputing that nor am I requesting ALL of the money back. I simply want to be reimbursed for the XXXX plus tax item that was not sent to me. Apparently when Apple clerks hit dispute, it only lets them select the whole thing and I don't think it's being investigated properly. IF XXXX is made to show what address this was shipped to, it will not match my billing address on file with Apple Card. I only have one address for all intents and purposes.
Company Response:
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: With my MasterCard, issued by Goldman Sachs on Apple Pay, I applied for an installment loan to purchase an XXXX XXXX aluminum. But after a few weeks, I changed my mind, canceled the order, and purchased an XXXX XXXX steel outright, without a loan. Apple sent a refund for my loan as a credit on my account for the aluminum watch : XXXX XXXX Refund - Apple Pay,XX/XX/20 for + {$540.00}. And even though the aluminum watch was returned two MONTHS ago, I am still being billed monthly payments for this original loan amount, which has now whittled down to {$410.00}, as of XX/XX/XXXX. Today I spoke to a Goldman Sachs rep who said that I CAN NOT pay off the {$410.00} on the original loan now/today, and that I MUST continue to make monthly payments from my credit card account over the course of a year, even though I have closed my account. THEY WILL NOT LET ME PAY OFF THE BALANCE of the loan in advance! The problem is that I ALSO have two credits from two refunds on the revolving credit part of my card, and these two refunds total + {$620.00} on my statement as of XX/XX/XXXX, and I can not receive any of the + {$620.00} UNTIL the YEARS installment loan payments have finished.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: If you apply for an Apple MasterCard, you can only use it in the Apple store unless you own an XXXX or an XXXX. That sounds like a store card, not a MasterCard. That does not sound completely lawful to market it that way as a MasterCard. It should be either a store card or a MasterCard.
Company Response:
State: WA
Zip: 98031
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-19
Issue: Problem when making payments
Subissue:
Consumer Complaint: Hi, I had a personal loan from Marcus ( Goldman sachs ) that I obtained earlier this year. I wanted to pay the full amount but wasn't able to do so due to limitation on the app. I was asked to give a call but couldn't reach anyone due to long wait times. Even the recommended amount upto {$2000.00} didn't work and always got issued. I feel like the company has made it difficult to pay the full amount earlier which is a part of the loan marketing tool that no pre-payment penalty. I think the functionality of the application is an integral piece as each day passes the company makes money off the high interest charged. Furthermore, hard to reach out the company is also a tactic to delay the customer to pay which in turns helps the company make more money. I understand the latter can be an issue during covid-19 but then again they should have other tools to help pay back on time. I want Marcus to take this seriously as a lot of people might not have the patience to pay the amount during multiple days and rely on application functionality, which is used for marketing at the first place too on a high interest rate loan. Everyday delay is material to the client if it's not to you.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2020-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Todays Date : XX/XX/XXXX I bought 2 XX/XX/XXXX from Apple.com. Apple offered me their Apple card to pay with installment with no interests for 24 months I applied and got a credit for {$5000.00}. After I completed the transaction, I received statements Goldman Sachs. In my wallet showed I which they awarded me a daily cash. I was not consulted nor I was awarded of beautiful rewards. Few weeks later I returned both phones and asked for a refund thinking that my account will come back to XX/XX/XXXX= {$5000.00} the original credit I was given. Since I did not owe them anything I decided to close my account. I searched several ways to close my account, but I could not find the way to do it, nor an explanation of this daily cash in my balance. Very, very hard to do it. Instead it appeared {$4800.00} and {$150.00} cash in my cash card. I contacted numerous Apple employees, equal to numerous hours hanging on the phone and transferred to 7 different departments until finally reached the one that told me that my account had to be dealt with Goldman Sachs ( the issuer of the card ). This was after 2 HOURS. By the way, none of all the employees I spoke with would volunteer the direct telephone number to Goldman Sachs Apple card billing department. Finally, XXXX, Goldman Sachs employee informed me that in order to close the account I had to spend or give {$150.00} surplus money to someone else, as a gift. I was forced to put his bank acct. routing number and bank acct. number and transfer that money to him. The {$150.00} surplus money in my Apple Credit Card got accumulated from the daily cash. It was preventing Goldman Sachs closing my account. XXXX, made it very clear that I needed to spend {$150.00} in order to get rid of the Apple Card Account. After a painful step with her on the phone, I succeeded to complete the process. Eventually, she proceeded to finally close my account. Now, I am intrigue by this manipulative Apple Card / Goldman Sachs act that only them can explain. What would happen to my friend when he will receive this money. Because I asked XXXX at Goldman Sachs and she did not know. I am afraid that I did something wrong or illegal following instructions following Goldman Sachs employee. Relating this to my friends, they reminded me that in XXXX Goldman Sachs defrauded investors. Goldman Sachs Finally Admits it Defrauded Investors During the Financial Crisis https : XXXX Sadly, the government instead of punishing them gave millions of dollars bonuses to its CEO.
Company Response:
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I previously filed a complaint with cfpb and was found not at fault. The company sent an apology letter but still hasnt refunded my cash rewards balance and have persisted in billing and charging me interest after I payed and closed the acct and has filed negative report to credit bureau
Company Response:
State: CA
Zip: 94132
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
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/2020, four fraudulent charges were made against my Apple Card by Goldman Sachs : {$540.00}, {$420.00}, {$620.00}, and {$1700.00}. I immediately disputed the charges in my XXXX XXXX. On XX/XX/2020, Apple/Goldman issued four provisional balance adjustments in the disputed amounts. On XX/XX/2020, one of the vendors issues a refund in the amount of {$1700.00}. On XX/XX/2020, I noticed that all provisional balance adjustments had been reversed. Here is a description of the events in question : XX/XX/2020 XXXX ( XXXX ) XXXX XX/XX/2020 Provisional Credit Applied XX/XX/2020 Provisional Credit Reversed XX/XX/2020 Dispute Resolved in my favor XX/XX/2020 XXXX XXXX ( XXXX ) XXXX XX/XX/2020 Provisional Credit Applied XX/XX/2020 Provisional Credit Reversed XX/XX/2020 Dispute Resolved in my favor XX/XX/2020 XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2020 Provisional Credit Applied XX/XX/2020 Provisional Credit Reversed XXXX Dispute Resolved in my favor Based on what I witnessed I contacted Apple/Goldman on the following dates/times : XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Phone XXXX 52 Minutes Spoke to XXXX and XXXX XX/XX/2020 XXXX XXXX. Text XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Phone XXXX 14 Minutes XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX. Text XX/XX/2020 XXXX XXXX Phone XXXX 15 Minutes XX/XX/2020 XXXX XXXX. Text XX/XX/2020 XXXX XXXX Phone XXXX 42 Minutes Spoke to XXXX, Fraud Specialist XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Phone Call from XXXX 15 Minutes, Spoke to XXXX XX/XX/2020 XXXX XXXX Talked to XXXX XX/XX/2020 XXXX XXXX Talked to XXXX then Transferred to XXXX XX/XX/2020 XXXX XXXX Talked to XXXX, XXXX, XXXX As of now, they have admitted multiple times that a mistake was made and cant explain why my account has not been duly credited. What is really shocking is that Apple and Goldman are not able to connect me to a manager with the authority to fix my problem and it is clear that their " escalations '' go nowhere.
Company Response:
State: TN
Zip: 37067
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The matter is twofold. Goldman Sachs has 1 ) been sending me unwanted and unnecessary emails for six months. They have done this even after having 2 ) cancelled my credit-card ( Apple Card ) account, which cancellation was unwanted by me. These emails are now tantamount to spam ( https : //www.ftc.gov/tips-advice/business-center/guidance/can-spam-act-compliance-guide-business ) : Goldman has no legitimate business purpose in sending them, as they are statement notices for an account that has been closed for over a year and has had a XXXX balance since XX/XX/XXXX. The most recent of these emails arrived on XXXX XX/XX/XXXX. How does this qualify as transactional or relationship content? I have contacted Goldman many times to request that this stop. I have made these requests in conversation with Goldman service agents and via postal letter. Service agents have assured me that the matter will be dealt with, but it appears that no action has been taken. But why did Goldman cancel my account in the first place? The official closure notification stated that it was due to my failure to comply with the terms of the Card Member Agreement or Rewards Agreement. I went over the Card Member Agreement with a fine-toothed comb and could not spot my infraction. Enquiring further, I discovered that Goldman apparently believed that I represented potential first-party fraud ( a Goldman service agent revealed this to me during a phone conversation, by incautiously reading aloud the notes on my account ). This is obviously inaccurate. And let the following be noted : I missed no payments ; the balance on my account never went above 30 per cent of the credit line ; the balance was fully paid within months of the account closure and amidst a global pandemic. I believe that Goldman committed an error in closing my account. I must have been among the first users of Goldmans credit-card service, as my account was opened shortly after they first launched Apple Card in XX/XX/XXXX. Therefore I believe that this situation has arisen due to Goldmans relative inexperience in the consumer credit market. They are compounding their initial error by continuing to send me spam-like messages and ignoring my requests that these cease.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: So Ive been at an all time low with surrounding neighbors targeting my credentials by utilizing my credentials and me noticing how everyone sorrounding me have to get within a certain perimeter to be able to utilize XXXX XXXX and web activities to purchase materialistic expensive technology to essentially be able to get away with it for almost a little over a year now! Im certain theyve gotten loans and devices that can be tacked and traced for which I hope you can understand that I want full prosecution for its only destroyed this entire year!!!!!!!! Please when possible Im available for more information that I have stored in SIM card if you can get ahold of me personally at XXXX
Company Response:
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I made a purchase of almost {$2000.00} in XX/XX/2020 with my Apple credit card! As i was expecting for a minimum due amount to be posted to my account for me to pay the balance in installments it didnt happen, instead they posted the whole XXXX as the minimum due amount and i have to pay it in less than a month, I called them to request for a less minimum amount so that i will be able to pay it gradually! They refused. I asked for the account to be closed immediately to stop it from future transactions. Then i took advantage of the coronavirus payment relief to push back my due date and i paid the full balance on XXXX of XX/XX/2020! My due date was XX/XX/XXXX. They charged me for {$15.00} claiming that i made a late payment though their statement shows that it wasnt late! I called them to ask what that {$15.00} is about, they waived it when they figured out that I paid the balance before the due date, meanwhile they reported to the credit bureau on XX/XX/XXXX as closed account with balance of {$15.00}! I called Apple to dispute the report and they said we will update it next month ( XXXX ) nothing was updated! I called again, they said its getting updated, nothing happened in XXXX, then I called in XXXX and they insisted that I must pay that {$15.00}! I showed them that there was no late payment and they even waived it because it was unnecessary charges since I paid before the due date! They insisted that it was an interest charges because of the late payment and the computer generates that information! Anyway the lady pushed me so hard to convince me that i made a late payment though she clearly saw on the statement it wasnt late and it was waived! So my concern is for that balance to be updated and reported to my credit bureau as paid and closed account with XXXX balance but that hasnt been happening and its been almost 4 months! I wouldve kept quiet if the account wouldve been open but I closed it because of that bad experience and theres no way for closed accounts to be updated monthly! So they will just forget about my account since its closed and the balance will stay on it forever! This is what my complaint is all about. Thank you very much and will be waiting for your response, Im also ready to provide with any information that you request.
Company Response:
State: MN
Zip: 55404
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A