Date Received: 2020-10-22
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Recently I paid {$3200.00} on XX/XX/2020 towards my Apple credit card. The amount did not go through because I had insufficient funds. So I made another payment in the amount of {$3000.00} on XX/XX/2020. It is now XX/XX/2020 and they have not withdrawn the funds from my account. I contacted Goldman Sachs today to figure out why the money has not been taken out of my account, and they said that it takes them longer to process payments after a payment has been declined. Additionally, they said that the money would not be withdrawn until XX/XX/2020 when more interest and late fees can accrue if the payment is declined. The bank said they were unable to assist me by withdrawing the money from my account sooner than later. My credit card account reflects my paid amount so I could overdraft if my payment is declined and I am not aware that the payment has been taken out of my account. I fully expect to have sufficient funds but feel it is fraudulent to do this to someone.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
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: In XXXX I used my Apple Card to buy an XXXX. I had to cancel because I wanted to update the specs and ever since then I've been having problems. The card will not let me pay off the balance shown in my digital wallet. They say there is some thing pending but no one can find it and it's been almost XXXX weeks and I haven't heard anything. If I call Apple Card they say my balance is XXXX with {$170.00} pending, that pending has been around since XXXX. Can you please help this is so frustrating. No one had an answer.
Company Response:
State: IL
Zip: 61701
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a perfect payment history and a great credit score. Yet, for some reason Goldman Sachs/Apple has blocked all future spending on my card. I cant get any answers from them. The only thing Im being told is we will mail you a letter at some point. This is in really poor taste especially during the Pandemic for someone located overseas that needs access to funds. I have no idea what to do or what I have done to get restricted. If they planned to issue me a card for only such a short time I would never even have applied for it and allowed them to do a credit check ( which decreases the score significantly each time that happens ).
Company Response:
State: NJ
Zip: 07650
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a loan from Marcus ( Goldman Sachs XXXX in XX/XX/XXXX. In XXXX of XXXX I reached out to explain I switched banks and was making a manual payment. They explained that they thought everything looked ok. In XXXX and XX/XX/XXXX I reached out a number of times to further explain 2 basic things - I changed bank accounts to debit for loan payment, and that I was out of town caring for my mother who fell ill and is XXXX years old. I was told everything was fine and they couldn't determine the actual due date vs if a payment was late but everything " looked fine on their end '' I was told. I made manual payments but in XX/XX/XXXX I was alerted that XXXX had reported my payments as 30 days late for both XXXX and XX/XX/XXXX. I have never been late and according to the information I received from XXXX directly I was not late in making those two payments. They updated my credit and then late payments were removed. On XX/XX/XXXX I was alerted by my credit report tracking that I was now being reported 30 days late twice back from XXXX and XX/XX/XXXX on XXXX. Further more I am being reported 60 days late twice for XXXX and XX/XX/XXXX on XXXX. The mis information I feel only reflects the inability to keep the story straight on XXXX ' end. I am not sure what the issue is but I reached out to explain directly to the executive offices immediately when I was aware of the reporting, and asked why am I being reported late where there was obvious mis information provided to me back in XXXX and XX/XX/XXXX that indicated to me there were no 30 day late payments. Let alone 60 day lates. In XX/XX/XXXX I applied to refinance my home mortgage with XXXX Fico scores. On XX/XX/XXXX my scores dropped to XXXX XXXX because of the wrong information Marcus by Goldman Sachs reported. And they are reporting different information to XXXX ( 60 days late 2x ) vs XXXX ( 30 days late 2x ). When I was according to their own customer service department not late ever. I have perfect credit before and after this incident and looking for some assistance in getting this cleared up as soon as possible. Thank you
Company Response:
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
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 purchased two XXXX XXXX form XXXX XXXX XXXX using Goldman Sachs Apple credit card on two different dates, and I have returned both items. I am still being charged to make payments on the first XXXX XXXX I returned. Please see below for the breakup fees. Merchant : XXXX XXXX XXXX. Credit Card Company : Goldman Sachs Apple credit card. XXXX XXXX # 1 Purchase date : XX/XX/XXXX Return date : XX/XX/XXXX ( shipped back to XXXX ) Total cost : {$3900.00} ( XXXX XXXX, XXXX XXXX XXXX, Tax XXXX ) Apple invoice number : XXXX ( confirmation of refund ) Its been 3 months now and I am being charged installment on this XXXX XXXX which I don't own. Apple confirms receiving the item and refunding the credit card. I have filed a dispute with Goldman Sachs Apple credit card, and they resolved the dispute in favor of Apple twice without asking me for the proof over the last 3 months. I have asked Goldman Sachs for the evidence they used to make and decision and I am yet to receive it. I have called XXXX XXXX several times and they confirm receiving the XXXX XXXX and refunding the credit card company. I have spoken to several Goldman Sachs managers, most recently XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ), they understand the problem but were helpless. I have spent several hours talking to people at Goldman Sachs, everyone seem to understand the problem buy no one has been able to resolve it. I have already made over {$700.00} installment payment towards the XXXX XXXX I don't own just to not default on credit and I am due to {$520.00} by XX/XX/XXXX. I have been abused by this credit card company. XXXX XXXX # 2 Purchase date : XX/XX/XXXX Return date : XX/XX/XXXX ( shipped back to XXXX ) Total Cost : {$3800.00} ( XXXX XXXX, XXXX XXXX XXXX, Tax XXXX ) I received complete refund on this XXXX XXXX. The only reason I am including this here is because I dont want people to confuse refund on XXXX # 2 as a refund for XXXX # 1.
Company Response:
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have an Apple credit card through Goldman Sachs. They have a cusotmer assistance program in which if you can not pay your bill they defer it for a month, and you pay no interest. I have documentation that shows I had an arrangement and they continued ot send me late notices and threatened ot susupend the card, and then did so. I had an email they sent me stating that I was on the customer assistance program for XXXX. I also have chat documentation showing the rep advised ot ignore the payment reminder as I had a deferred payment for XXXX. When I contacted them via chat ( as this is their method for customers who need assistance ) they bounced me around for 8 hours from department to department and asking me the same questions and never sending me to the right department. They sent me to XXXX, they sent me to itunes- everywhere but what I asked. I sent the information to the XXXX and advised they needed to correct my bill and stop sending me threatening messages, late notices and unsuspend my card. I also asked for it to be corrected with the credit bureau, as I had an arrangement and they agreed that I did, but they still kept saying I was late, even though I uploaded the documentation to show them. They told BBB they would correct all the issues, but they have not. I asked for a supervisor today and the supervisor claims that it has been corrected, I just can't see it. They previously reversed only XXXX of it, and this has been going on since about the middle of XXXX when they first started sending me notices that I would have a payment due, even though they sent me an email to confirm I was on the plan, so no payment would be due. They are attempting to drag this out to make me pay more interest. There should have been no added interest because I was on the plan. They refuse to reverse the XXXX because they are trying to make me pay more interest. They continue to drag this out, as I have been going through this since about the middle of XXXX when they started sending me reminders for payment when I had already made an arrangment, again, which interest is not charged when you are on an arrangement, and those are their rules. They have not kept their word. How is this legal?
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I used my credit card within my limit as I normally would. The account has been restricted and I wasnt told why other than something triggered a response in their department. Ive called numerous times and my account is still restricted over a week later. Im not given a time frame of when I can usee my account. After reading about this companys practices online in similar cases, it looks like many people are restricted from using their cards for over a month.
Company Response:
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
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 got a {$120.00} fraudulent charge from XXXX on my Apple card from Goldman Sachs. I reported the charge immediately and the charge was reversed. They changed my card number and I didn't think twice about it. Then, on XX/XX/XXXX at XXXX PST my XXXX XXXX was compromised by a phishing scam. My credit card, the Apple Card by Goldman Sachs, also became compromised in this process. I lost ability to use the card as soon as I reported the fraud and was told multiple that I couldn't close the credit card because the account was under investigation. On XX/XX/XXXX, somehow the person who hacked my account was able to make an additional fraudulent {$4500.00} purchase at a jeweler in XXXX ( I live in XXXX ). Apple Card support could not provide a reason that this person was able to use the account that I was told over and over again had been " frozen '' since my XXXX XXXX was hacked at the end of XXXX. Whoever hacked my XXXX XXXX account changed the email address and phone number associated with the account so I wouldn't be able to use the two factor authentification system to recover my account. Since the account is under investigation, XXXX XXXX at Goldman Sachs won't let me change the contact email address or phone number on the credit card account back to my contact information, which means they keep emailing the hacker my credit card statements every month, which is a violation of my privacy. Every time I speak with someone from Goldman Sachs they tell me that they will reach out to a supervisor and make a note on my account to stop emailing my hacker, but every time I call and follow up none of those things have been done and my credit card statements are still being sent to the person who hacked my account. My account has now been " frozen '' and " under investigation '' for almost 5 month, accruing more fraudulent charges, and I'm unable to close the account. I've spent hours and hours on the phone with XXXX XXXX and Goldman Sachs customer service and no one can explain why there isn't a better solution than me calling once a month and waiting for the account to stop being under investigation.
Company Response:
State: CA
Zip: 90020
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I recently applied for and received the Apple Card, issued by Goldman Sachs. One of the major benefits touted on Apple 's website is the ability to pay for Apple products over time, in an installment plan method, whereby the consumer is charged the taxes and fees upfront, and then the remainder of the purchase price is amortized at no interest over 6-12 months. I recently purchased a qualifying Apple product on said installment plan, however I found the full amount was being dinged against my available credit. After speaking with Goldman Sachs and Apple, it appears they find this to be normal and that the full amount will remain against my available credit until I pay down the installments. This is obviously not how an installment plan works, nor more importantly, not in any way how it is advertised. I basically got the Apple Card to use the installment plan feature of the card, and now I find out it's basically a lie and the full amount will be dinged against me. Please force them to stop XXXX. I literally would not have gotten this card otherwise.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Good Afternoon, This complaint is about Apple store credit card. I've made one single purchase with his card, my XXXX XXXX back in XX/XX/2020. Since the first statement and payment i had trouble with them. 1. Costumer servile is no reliable. For each issue I had, I need to ask at least 3 times, to get a help and most of the times, the issue wasn't resolves. I signed up for installment payments, but the first payment I had to pay taxes in full plus the amount of a monthly installment. It was charges twice. I paid and they also make a automatic payment. I went to web site to see my payments, we can not check or see scheduled payment. That leads you to make a 2 payments monthly. Again the support wasn't helpful, making us, costumers look like a foul. 2. I had another issue when a monthly payment was made twice, in the middle of the pandemia, XX/XX/2020, have the very same trouble with costumer support, Apple credit cart / Goldman Sachs. It also showed that I did not paid the card and show late payment. But I ha paid it twice. I have pictures of that. So I had to borrow money to make a 2 time payment to solved the problem. Right after that I transfered my balance from this credit card to another one. I waited about two months and I close the account. I get this account closed, i had to reach out to them five times, four through text message and one via phone call. Its unbelievable how miss managed and mis informed the costumer assitances are. Attach all text messages with Apple and Goldman Sachs, starting XX/XX/2020 until XX/XX/2020. Thank you for your attention. XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A