Date Received: 2019-11-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I can not use my credit card or pay the balance due on my card because my account is restricted without reason. I contacted card support several times after verifying my identity with them, however, I could not get a reason why my account was restricted. I have spend several thousand dollars on this card over the past 5 months I have had it, and have never missed a full payment. The most troubling part is that I am restricted from paying off the remaining balance on the card, and am at risk of accruing interest.
Company Response:
State: CA
Zip: 90274
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-13
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I applied in XX/XX/XXXX for an Apple Card, advertised as " A new kind of credit card. Created by Apple, not a bank ''. I never received an email confirming that I could not receive an Apple Card. My credit reports has notes on the negative accounts that should have been considered positively. I can not understand with artificial intelligence how algorithms advertise Apple products to me and my Cell Phone carrier since XXXX, offers me CREDIT to purchase any new smart device including Apple devices through it's lender, but APPLE has received revenue from me directly since XXXX for my XXXX XXXX and XXXX and third party for 2 of the 3 XXXX that I own have purchased, and I couldn't get a line of credit for even its cheapest accessory - XXXX XXXX. I just requested my credit report and received it last week and am requesting updates, edits and investigations. I applied for the card to grow my small business by adding helpful accessories to help me run my business and was denied and was not given correspondence to remedy or follow -up. All in the light of Apple and its lender discriminating against women. I am a women small business owner and minority.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card today. I was denied access to credit with the reason " not approved at this time because : you have recently been past due '' I found this odd, I don't believe I have been late on a payment so I pulled my XXXX credit report to verify. I looked through all 26 pages and not one late payment reported. I would like to know who is approved and ensure there is no discrimination because the reason I was denied is inerrant so there is a different factor weighing into the decision.
Company Response:
State: IN
Zip: 46234
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/19 I applied online for the new Apple Card managed by Goldman Sachs. I was shocked and disappointed that online I received the message that I would receive their response by USPS. I waited and waited for their response, and never received anything. Eventually after contacting XXXX XXXX at Apple, I did get an email resonse from Goldman Sachs saying they were denying my application for the Apple Card. I reached out to Goldman Sachs to discover their reason for the denial. I was told that the reason was that " I was too poor for any credit card. '' Finally I received an email about the denial. In the email the excuse for denying my Apple Card application was that " my monthly debt obligation was too high. '' I don't have any monthly debt beyond my rent payment. I have several credit card with a XXXX balance and a credit limit of between {$5500.00} and {$12000.00}. Apparently Goldman Sachs is the only company operating with this gender discrimination. Based on the current XXXX XXXX reports, I now believe that I have been discriminated based on my gender.
Company Response:
State: IN
Zip: 465XX
Submitted Via: Web
Date Sent: 2019-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I applied for an Apple Card. I was declined as they stated I had a past due payment. I do not. I was told to contact XXXX which I did. They dont show a past due payment. My credit score is XXXX. I spent an hour on the phone with XXXX then Goldman Sacs. Another 45 with XXXX. They sent me a credit report with no past due payment on it. Apple and Sacs said there was nothing they could do about it. Im XXXX with an income of XXXX. Age discrimination is the only reason I can come up with for being declined.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I would like to apply for the Apple credit app, so that I can use my phone to make purchases through the Apple program. However, I understand that this program is handled by Goldman Sachs. Numerous testimonials, including those by a founder of Apple and his spouse, have surfaced demonstrating that the credit granting process being employed discriminates against women who are applying jointly with their spouses using the same income and assets to qualify for the credit. In some cases the amount of credit limit assigned to men is more than 10 times that offered to the joint woman applicant. At a minimum, this has the impact of discriminating in the granting of credit on the basis of the prohibited basis of sex. While there may be no overt discrimination, the algorithms and other analyses being used in the credit granting process clearly are resulting in discrimination in the amount of credit being granted. This appears to blatantly violate the Equal Credit Opportunity Act. What is the CFPB doing to ensure that Goldman 's policies are being scrutinized for this discrimination in the granting of credit?
Company Response:
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XX/XX/2019 my husband XXXX XXXX XXXX applied for Apple Credit Card and was approved at approx 11 % interest with XXXX limit. I went on 5 minutes later and was approved for 23 % interest with a $ XXXX limit. We are a small business owner and have same credit debts. Why would my interest be so much higher and my credit limit be so much lower than my husband.
Company Response:
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-10
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: XXXX IS SUPRESSING OUR CREDIT FILES, AND AS A RESULT CAN NOT GET A LOAN FROM MACUS. DEMAND XXXX TO STOP INTERFERING WITH THE FINANCIAL CREDIT APPARATUS DESINED SPECIALLY FOR THE CONSUMER AND THE CREDITOR. SEE ATTACHED.
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2019-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I received and activated my Apple credit card on XX/XX/2019. I purchased an XXXX for my son on XX/XX/XXXX. On XX/XX/2019, I went to use the Apple credit card and it didn't work. Upon investigation, I found my account was locked. I called Support and I was informed that they couldn't tell me why and a Goldman Sachs specialist would call me. On XX/XX/2019, I call Support and paid off the balance on the card, as, I wasn't sure if payment would happen with my card locked. In the intervening 10 weeks, I have called support at least 6 times to find out why my account is locked and on each and every occasion, I have been told the same thing, that they can not tell me and a Goldman Sachs specialist would call me. As my credit score is over 800, I know the issue is not my credit worthiness.
Company Response:
State: WA
Zip: 98074
Submitted Via: Web
Date Sent: 2019-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/19 I received a refund for a purchase. I had a positive balance on the card, in my favor. On XX/XX/19 I made a call, hoping to get the positive balance sent to me in check form. The gal I spoke with told me that they could to a direct transfer to the checking account linked to the credit card account. She said this would happen in 7 days. XX/XX/19 I made another call because the balance transfer to my checking account still had not happened. I was told it was pending, and it should be complete by XX/XX/19. I called again on XX/XX/19. This time, I was told it was in the process, but they could not give me a time by which this would happen. I had to simply wait, and they would contact me via e-mail or text when it had occurred. Basically saying, don't bother us about this anymore.
Company Response:
State: CA
Zip: 90277
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A