Date Received: 2020-06-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Apple card by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX. Had this transaction Transaction date : XX/XX/2020 Merchant name : XXXX XXXX XXXX XXXX Disputed amount : {$740.00} Wich, I did not make nor authorized. This was credit back in the account, however months after charged again and now shows in my credit report as derogatory. I no longer have an apple phone and am unable to see statements online nor never received any mail regarding this. Apparently, the only way to view would be using an XXXX.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
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: I made a purchase using my Goldman Sachs Apple Card ( used Apple Pay ) in the amount of {$560.00} to XXXX XXXX ( order number XXXX ) on XX/XX/2020. Approximately 20 days later, I had yet to receive the items and filed a dispute in the that amount with my Goldman Sachs Apple Card company. Within a few days, I reviewed the items and withdrew my dispute. It turned out that the items did not fit and I needed to return them for a refund. I received an RMA number from XXXX XXXX and shipped the items back on XXXX XXXX via XXXX ( tracking number XXXX ). It shows that the return was received at the XXXX Sunglasses Warehouse in XXXX, Georgia XXXX XXXX at XXXX signed for by someone with the initials " XXXX. '' I waited about 10 days for my refund to appear. When it did not, I called the XXXX Customer service number at XXXX. Spoke with a gentlemen and he apologized and stated that they did receive the items and he will process the return. I waited another 7-10 days and no refund was issued. I called several times, and each time I was told the same thing ; wait another 7-10 days. I tried to dispute the charge again on my Goldman Sachs Apple Card, and was told that because I withdrew the original dispute, I can not redispute this charge. The dispute is for two separate reasons and now I have zero recourse for this charge.
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I made a transfer from my XXXX XXXX XXXX account into my XXXX XXXX Account. This transfer amount was for {$25000.00}. The transfer was processed and credited into my XXXX account on XX/XX/XXXX. Later once the transfer cleared, I requested XXXX XXXX XXXX to close my account, which had approx less than {$1.00} remaining. The next few weeks, everything was normal and I has no issues. I had about 60 % of my cash savings held at XXXX. On XX/XX/XXXX, XXXX XXXX decided to temporarily lock my account and requested I call them to get this unlocked. I decided to call XXXX on XX/XX/XXXX, which was the only day I had time to get this resolved and had to wait over 20 minutes to reach someone. After, reaching someone, the customer representative explained to me that they locked my account because they were unable to verify that the funds that were deposited on XX/XX/XXXX came from an account under my name. I can confirm that the money from this account did get sent from an account belonging to me and is in my name ( see attached screenshot for proof ). After about 40 minutes, I was told that the only way this lock can be removed was by getting this money reversed back into my old account. This is the same account I closed. Even after explaining this, they stated, unless the money was reversed, there would be no way they could unlock the account. As such, I requested to speak to a supervisor and was told someone would contact me the following business day. On XX/XX/XXXX, I received no phone call. I called back a spoke to another customer representative and decided that as they held my funds hostage, I had no choice but to get the money transferred back to my closed account. I spent another 20 minutes speaking with XXXX XXXX XXXX about how they would get the money back to me, however that conversation yielded no answer apart from, we can tell you once the money hits our account. So on XX/XX/XXXX I called XXXX and spent another 15 minutes on hold and reluctantly provided authorization for them to reverse the funds to the closed account. So far, I'm very unhappy about this. Had there been an issue with the naming on my account, this should have been caught way before XX/XX/XXXX and if they did have this issue I could have provided proof that the account was in my name. In addition, if they were not happy with the proof, at least the account would be open and that would ensure that I can easily have access funds once the reversal was processed.
Company Response:
State: IL
Zip: 60532
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: In late XXXX, I became unemployed as a direct result of COVID-19 travel restrictions, and several of my credit accounts entered deferral status. I am now employed again and applied for an Apple Card, which is issued by Goldman Sachs Bank. My application was denied, because the issuers of my credit accounts, in violation of their own terms for COVID-19 deferrals, reported my accounts as past due and over limit, and Goldman Sachs knowingly relied on a credit score improperly skewed by negative information resulting from COVID-19.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XXXX previous complaint number. This issue was to be fixed after be restricted for 6 months. Still can not use card. Tried to make a charge and declined twice. Contacted Apple Card after about half hour and a few different people no one knows anything or could fix it said they would work on it. Still not heard back
Company Response:
State: SC
Zip: 29644
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This document is for fraudulent accounts opened in my name using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach state issued id have been compromised and my social security has been also obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
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 placed an order using my Apple Card with a merchant on XX/XX/XXXX in the amount of {$310.00} The order never came despite the tracking showing it was delivered inside of my mailbox despite the fact that my mailbox wouldn't be able to fit any sort of packages. I then had proceed to contact the merchant for support which they didn't hence why I initiated a dispute with Goldman Sachs on XX/XX/XXXX as the merchant wasn't doing anything regarding my missing order or providing support. Faster forward a month on XX/XX/XXXX I get an email saying the dispute is resolved in the merchant favor due to the " evidence '' provided by merchant proving I made the purchase. Here 's one of the first thing that is off as I never opened the dispute due to a fraudulent transaction or unrecognized charge but for my order never arriving yet Goldman Sach claims this to be their reasoning to closing the case. I then reached out to Goldman Sach furious about this for a response and was told the case would reopening the following Monday ( I'm providing chat history and other relevant documents to prove these claims as well ). Anyway after this I followed up and then this agent now instead tells me he can check if it could be disputed, backtracking on what I was told earlier and being mislead and said he would if it could be disputed. Shortly after he says it can be disputed and I would be contacted with a response. As you guess I never was contacted with any response and had to follow up myself TWICE regarding this and had gotten a new different response from what I was originally told and now was being informed I can't reopen the dispute since it was " resolved '' basically misleading and lying to me for the past couple months. I've also repeatedly asked for the evidence used in their determination of closing the case as I have the right to see these under the Fair Credit Reporting Act yet they've been neglecting on providing me on such documents so that I may not dispute it any further purposely. In the end I was constantly lied about the case being reopened, never had a clear communication with Goldman Sach, never got the item I paid for and being charged fully due to Goldman Sach incompetence and sheer ignorance with the matter, closed the case on a completely different issue that I never expressed towards, the agents don't ever tell me their names and finally they never provided the evidence that was used in this case as they should have under Fair Credit Reporting Act. I've forwarded to the Goldman Sach a documentation and the tracking of my issue and they never even bothered to do anything about that either.
Company Response:
State: NY
Zip: 11414
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
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: Made a I made a purchase on XX/XX/04 using my apple credit card and its been down hill ever since. I reported the charge because the merchant canceled my order but i never received a refund for the {$490.00}. I disputed it within a couple days and i was given a provisional credit which i have no access to. So the credit i was given was basically a fake credit that i cant use. They said itll take 90 days to get my credit back. 90 is is ridiculous considering i have proof of the cancellation, But why issue a credit i cant use? A Provisional credit is a temporary credit issued from a financial institution into your bank account. It's often used in situations where a transaction has not been verified or is being disputed. Obviously Apple/GS Bank doesnt know how a P.C should work. XX/XX/XXXX i raised a dispute, here it is 30+ days later and I havent received an update or anything and i still dont have my money back. I spoke to several different people and theyre all clueless. They were unprofessional, i told A CSR that the merchant agreed to a cancellation of the order and the rep tried to get me to close the dispute and work it out myself. Their investigative practices are terrible. Its not fair how they arent investigating anything and i dont have my money put back onto my card.
Company Response:
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
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: Re : XX/XX/XXXX charge of {$1600.00} with XXXX XXXX on a new Apple Credit Card for 2 x hotel rooms. I have spent at least 5 hours of detailed chat, phone calls and follow up ( always from me - never from Goldman Sachs ) for the last 5 months chasing a resolution. I do not believe any effort was made to reasonably resolve the situation or even work on a make good nor do I above an evidence of this. As quickly as within an under an hour of the booking being made I attempted to cancel due to one of the parties family illness and being unable to travel from UK to USA for the hotel booking. Through the many follow ups from Apple and Goldman Sachs I was told the charge was in dispute then told it was moved to 'elevated dispute ' as many as 3 times on different occasions. This was always after long waits and by pro-actively supplying same details and with the intention of a resolution. I never have one communication from Apple or attempt to resolve or understand my issues properly. On XX/XX/XXXX I have begun to being charged interest. At no point have I been called or emailed or sent any updates on any of my dispute. I have gone out of my way to provide all information and feedback to assist Apple/GS in resolving. My experience has been that none of the information or customer notes has been coherantly stored about the dispute which has made the process extremely frustrating. My most recent GS/Apple chats via the apple wallet confirmed that the charge was sitting in 'elevated dispute ' then when I have followed up again today XX/XX/XXXX .. I am being informed that the dispute was made in favor of the merchant. However I have the chat dialogue from the app which notes the case is in " elevated dispute ''. So we are running around in circles and this is really causing me a lot of concern and stress. I have advised Apple/GS that I will not be paying the interest ( Or the base charge ) and that we seem to be at an impasse and I will be taking this to the CFBP. It has been my understanding via many years or credit card and banking that the credit card merchant should always be acting on behalf of the customer. This has not been the case at all with Apple Card/Goldman Sachs. I would hate for anyone to waste the hours and carry the burden and the stress of dealing with these people. I think people need to know this is not a company/product that is committed to the customer its just about money and not listening or valuing its customer base.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I sent a payment via check which was cashed by the credit card company on XX/XX/2020 but never credited to my account.
Company Response:
State: MD
Zip: 21157
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A