Date Received: 2023-11-08
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: The Apple Card, issued by Goldman Sachs, refuses to completely close my account ending in XXXX, making it null and void, with a {$0.00} balance. I have called them multiple times and shared with them my XXXX XXXX Bankruptcy that was successfully discharged in XX/XX/2022, and they still refuse to remove the account in question even though it was included in my Bankruptcy filing. What they are doing is illegal, still trying to collect on a debt that has been discharged. My lawyer sent them multiple letters in the mail as well. This account is still showing as active on my Apple ID Profile, and as such, will not allow me to apply for another Apple Card, because they say this account is still active, and not discharged.
Company Response:
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My Apple Card was merged with my wife 's Apple Card thereby increasing our combined credit limit to {$12000.00}. This was done three weeks ago and the prompts from the phone said that it would be done in a few hours. Both accounts were finally merged on the XXXX XX/XX/XXXX but the available credit is inaccurate. It reads that the credit available is {$2.00}. The credit balance is XXXX. By my estimates, available credit should be {$1100.00}. I have reached out to Goldman Sachs numerous times to correct this over the past three weeks and they have not - closing out my complaints with no response. My other issue is that I had my Apple Card in my wallet on my XXXX and since the merger I have not been able to re-add my Apple Card to my wallet in my XXXX. I have also mentioned this in the complaint and again, Apple Card Goldman Sachs have closed out my complaint with no response.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXXTHIS IS A BALANCE DISPUTE********* I had previously requested verification for duplicate charges from XX/XX/XXXX. Dispute was not resolved. Afterwards, when adding charges back to my account, the balance due was being doubled. I had requested an audit of my account. The balance was corrected, then thereafter doubled with no applicable charges. I had included invoices previously and requested the account be audited. The balance was corrected. This needs to be corrected as it is now adversely affecting my credit report. Correct balance due. This issue continues to keep happening. I have previously included billing statements from XXXX with the last submission for the same issue. XXXX***I HAVE AGAIN included statements from XX/XX/XXXX through XX/XX/XXXX. ******* PLEASE CORRECT***
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
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 submitted a dispute for {$80.00} for a product that wasn't delivered over the summer. The bank decided against me, but when I asked for the evidence file, none of the evidence I had submitted to them via email ( they sent an email asking for the evidence ) was in it or considered. I asked to have the dispute appealed, resubmitted the evidence along with affidavits from witnesses, and again the dispute was decided against me. I request the evidence file and once again, NONE of the evidence I submitted was considered or even included in the file.
Company Response:
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have applied 6 times for a XXXX XXXX XXXX XXXX XXXX card. Each time the instant approval comes back with a $ XXXX credit limit. I am then asked for proof of State Identification and a copy of the business ' XXXX letter from the IRS. I have provided both ( Driver 's License and Passport, in addition to the XXXX letter ). Every time I receive an email the next day saying the application is denied because your identification could not be verified. No other reason given was ever given. I even contacted them on Social Media, I have a large following of XXXX XXXX followers, hard to pull off if you are a scammer, and still I was told to check the denial emails, like they were going to magically say something different. I am exasperated and utterly disappointed.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
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 on a work trip in XXXX and happened to visit the XXXX XXXX XXXX XXXX XXXX on XXXX of XXXX XXXX There were XXXX middle aged men at the entrance of the mall asking for donation to a charity. I was told I could pay {$5.00} using apple card. I agreed. But they charged me {$500.00}. As soon as I realized they took {$500.00} all three ran away. Incident happened exactly between XXXX and XXXX XXXX on XXXX XXXX. I filed a dispute immediately with the credit card company which is Goldman-Sachs serviced through Apple card . They said they will handle my case promptly. But the dispute outcome was not in my favor even though credit protection and scam protection are the reason we use credit cards. The scammers actually had a merchant id associated with them. They didn't even freeze the account of the merchant even though they can clearly see the merchant id used by the scammer. I have also filed a police complaint and have attached the report with this complaint. I tried disputing with the bank XXXX more times to no avail. Even though I wasted so much time and money in this dispute the bank did literally zero investigation on their part. Customer service wise this was the worst service I have received from any bank. Each time I called I had to explain all things from the start meaning they did not have any record of it.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: in XX/XX/2023 I reported that my credit cards and bank account were hacked and that there were multiple transactions were made by someone else. I also informed them that I could not pay my bills because thousands were taken from my account. In addition, I have been texting this company because in spite of me telling them this, they were expecting me to make a minimum payment of {$1000.00} which is extremely high because of the fraud charges. I was told I had to make the minimum payment which I could not afford they refused to budge or provide proof that all the charges were all mine. this issue remains unresolved and they continue to report negatively to the credit bureaus
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Apple Card by Goldman Sachs closed my account XX/XX/2023 even though I was current and had stated that I was dealing with fraud with my XXXX XXXX account which meant I couldn't pay off full balance. They still closed it without any notification. Now I have to immediately pay back the outstanding balance with no recourse and number and support is non existent
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Marcus denied a transfer of {$500.00} into an XXXX account, upon asking where the funds are they removed an additional {$500.00} from my XXXX account. I did not authorize them to withdraw that money from my account, this equates to banking fraud. At this point they have stolen {$1000.00} from my accounts and will not provide any additional information as to where the money is or how I can get it back.
Company Response:
State: MN
Zip: 55129
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for the GM Business Rewards Card, they approved me for a {$6000.00} spending limit but they are requesting some additional documents before finalizing my approval and sending my card. I have sent in the additional documentation requested, which is my state ID.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A