Date Received: 2019-12-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2019 I applied for the new APPLE Card issued thru Goldman Sachs per an invitation email to do so. I was asked to fill out the info which was populated mostly by my XXXX and further asked to provide front and back photos of my valid drivers license which is Florida State issued just last month. After 24 hrs I received a notice to my identity could not be identified and resubmit my application with new Drivers License photos. Before doing so I contacted Apple who connected me with Goldman Sachs and over the course of 2 hrs via phone and help desk text messages I received conflicting explanations that my valid ID could and could not be used because it is a new Real ID compliant State issued license. After a manager insisted that I reapply and be extra careful to upload perfect photos I received the same notice that my ID could not be verified due and to resubmit my license photos again. Upon this happening again I went online and have determined that this has been an ongoing issue since at least XX/XX/2019 per Internet forums stating specifically that Apple and Goldman Sachs have been denying application approvals due to an inability to accept IDs compliant with the Real ID Act Federal Law. I believe this is unacceptable on 2 counts : 1 ) for not stating this know fact at the time of starting the application per its requirements ; 2 ) for further not being able to provide accurate internal assistance to customers and by only requesting customers repeat the task of uploading their IDs that States now issue and are compliant with Federal Law.
Company Response:
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2019-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-03
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 issued an apple card on the month of XXXX. On XX/XX/XXXX, a fraudulent charge on a XXXX in New York state for XXXX was made using the same number as my card. The charge was flagged and declined by Apple/Goldman Sachs ad a new card was issued. However, the declined charge was posted on my monthly balance despite beiing declined. I called Apple card 8 times and repeatedly told me that a provisional credit will be issued within days, but was never issued. Is mystifying to me that a charge was declined but Apple still charged me and is not issuing the provisional credit. This is theft.
Company Response:
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2019-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: For exactly a month now, Apple restricted my Apple credit card and I have not been able to make purchases using this card because they said my account is " under review ''. They said that someone would contact me to resolve the situation when the review is done, but they never did. When I tried calling back like every week ( latest was on XX/XX/XXXX ), Apple still told me the same thing ... to wait for a return call. I even verified any information about myself that the representatives asked over the phone. I told them that I have waited a whole month now to get my card back, and they refuse to give me my card back, saying I have to keep waiting. This is very unacceptable handling of a credit card. I want Apple to unrestrict my Apple card so I can use it again. I did nothing wrong, and they have done absolutely nothing to update me or make progress on this issue.
Company Response:
State: CA
Zip: 95131
Submitted Via: Web
Date Sent: 2019-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: new Apple Card credit card holder and on Saturday, XX/XX/XXXX they had placed a restriction on my card without providing me any reasons as to why they restricted it I just received a message saying that your account is restricted for no apparent reason they said they have to give me a call back to resolve the issue nobody has called me back theyre just giving us a runaround and it seems like a lot of people are having issues with the same thing car just restricted this is the first time that I had dealt with a big company that has such poor customer service and they are very sickSecretive of what to do they could not see resolve it with me coming in they have to call me which is so stupid
Company Response:
State: CA
Zip: 92354
Submitted Via: Web
Date Sent: 2019-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My wife and I both applied for the Apple Card. We have similar income and her FICO is a bit higher than mine on all three bureaus. I was approve for $ XXXX and she was only approve for $ XXXX. At the time we thought it was really strange. I just read an article in XXXX XXXX about complaints on Goldman approving men for higher limits than women. I decided to file this complaint based on that.
Company Response:
State: MO
Zip: 63129
Submitted Via: Web
Date Sent: 2019-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have made a few payments to my new Apple, Goldman Sachs credit card. The funds I pay on the card, leave my bank account immediately but the credit card company whilst acknowledging receipt of the funds are not updating the payment against my card balance. Heres their messages below to me. I understand your frustration, thank you for your patience. Your available credit could take several days to reflect payments you've made with your bank account. I can confirm we received your payments. The payment of {$500.00} made on XX/XX/2019 will reflect on XX/XX/2019, the payment of {$250.00} made on XX/XX/2019 will reflect on XX/XX/2019 and your payment on {$1500.00} made on XX/XX/2019 will reflect on XX/XX/2019.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2019-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This is an issue I am having with Applecard ( Goldman Sachs ) : 1. I was approved and issued a card on XX/XX/2019 2. I made 3 purchases between XX/XX/19 and XX/XX/19 totaling {$130.00} 3. I was notified ( via the app ) that my account was restricted on XX/XX/19. No explanation. I was no longer allowed to make any purchases 4. I have contacted Apple/Goldman Sachs many times over the last week with no resolution. They have indicated my account is under review and someone will call me. 5. On Monday, I spoke with a customer service representative and was told I would get a call within 48 hours and I have not. 6. I contacted Apple/Goldman Sachs today to cancel the card since they have not resolved the issue. They told me not only can they not resolve my issue today, that I can not even cancel the card since it is under review. It seems to me ridiculous that I can not use the card or cancel the card.
Company Response:
State: WI
Zip: 54701
Submitted Via: Web
Date Sent: 2019-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have credit monitoring services with several different companies. After the credit bureau data breach, I received notice that my identification information has been identified as listed on the black web. I am ill, I am having a battle with XXXX, and did not and could not have authorized this account. Someone acting as myself has taken this account in my name for their own benefit.
Company Response:
State: OR
Zip: 97229
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I have a Savings account with Marcus by Goldman Sachs. In XXXX, I signed up for a promotional offer in my Marcus Savings account for 1 % bonus of savings account. Per this offer, I can get up to {$500.00} bonus if I transfer {$50000.00} new money into my Marcus savings account. When I signed up for this promotional offer, I did transfer {$50000.00} new money into my Marcus savings account from XXXX Bank. In my online account, it showed that I was qualified for this 1 % bonus offer. I have kept this {$50000.00} new money in my Marcus savings account through now, and the {$500.00} bonus should have been posted to my account no later than XX/XX/XXXX based on the promotional offer status link in my Marcus online account. However, it has passed XX/XX/XXXX. But I still have NOT received the {$500.00} bonus yet. I request Goldman Sachs to post the {$500.00} bonus credit to my Marcus Savings account per the promotional savings account offer immediately, without any further delay.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Today I was making a payment o my Apple credit card and right after submitting an online payment I noticed I entered the wrong amount. I meant to entered {$190.00} but instead I entered {$1900.00}. I immediately contacted the credit card company and I was told they can not cancel the payment because it already posted to my account. This all happened in about XXXX minutes. I was told to call my bank and put a stop to the transaction. I will now have to pay about {$60.00} in fees. All of my other credit cards allow me to cancel or edit payments until they withdraw the money from my bank account. I also found odd that after the money is withdrawn from my account and " posted '' to the credit card, it will take up to a week to have the payment reflected in available credit.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A