Date Received: 2023-11-01
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I bought an apple gift card in the amount of {$500.00} but on getting home to redeem the card, it says it has been used by another customer
Company Response:
State: MI
Zip: 48081
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXXXX/XX/2023 a fraudulent charge was made on my Apple Card ( Goldman Sachs Bank USA ) for {$660.00}. I have disputed this charge twice and both times they ruled that I made this purchase. Now they keep telling me I need to prove I didn't make this purchase. It looks like it was a money order sent to a XXXX XXXX in XXXX. I have never used a XXXX XXXX in my life.
Company Response:
State: CA
Zip: 91104
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
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: A charge for {$100.00} was made after much research of available attractions. The terms stated that all attractions were open and eligible. Due to the main attraction we wanted, we purchased the plan only to later find out that the attraction was closed for the season and advised this to the merchant selling the attraction pass. The merchant failed to update accordingly and fraudulently advertised an attraction that was unavailable. As a result they issued a 50 % refund. A dispute was filed for {$53.00} multiple times and GS agents continuously placed as the full amount including supervisors that said they understood and still put full amount. Countless times assured only {$53.00} dispute and each time notified by email that full amount was disputed. Each time being ignored to rectify. Then closed advising refund was already issued. The problem here is everything Ive said is ignored by GS and unreadable documents from merchant is the decision to deny the claim. This pass would never have been purchased if the merchant would have not been fraudulently deceptive. GS agents say they can only take my complaint and send to a department that refuses to communicate with me. Even after making a XXXX accommodation request, I continued to be ignored and discriminated against.
Company Response:
State: NY
Zip: 14304
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem when making payments
Subissue:
Consumer Complaint: I did consolidation loan with XXXX XXXX. This loan was to cover my XXXX outstanding credit card balances. XXXX and XXXX are showing paid, my Apple Card ( issued by Goldman Sachs ) is not. I closed my Apple Card in XXXX of 2023. Because of this, the virtual card number was no longer available to me in the XXXX XXXX. I had to call Goldman Sachs at XXXX to request my Apple Card account number. The frontline agent provided me with an account number to provide to XXXX. From XXXX end, this debt shows paid as of XX/XX/2023. On XXXX, XX/XX/XXXX, I contacted Goldman Sachs at the number listed above to request an update on why the funds have not been paid to my Apple Card account. I provided the supervisor with the Apple Card account number that I was provided, and it was uncovered that what I was provided was an internal account number that was NOT supposed to be provided to customers. The supervisor apologized profusely, and reassured that she will be opening a payment inquiry to locate the funds. Now the {$4300.00} is floating up in the air, most likely stuck in a ledger at XXXX, but the interest and late fee penalties will not stop as I still owe my balance on my Apple Card. I was misled, leading to believe that my debt would be paid with the account number I was provided. When I further questioned the Goldman Sachs supervisor on what they expected me to provided XXXX to pay the debt, I was told that I was to provide the phone number linked to my Apple ID or my Apple ID email address. This does not make sense. I want the money located and the account paid so I can be done with Goldman Sachs/Apple Card XXXX On XX/XX/2023, I contacted XXXX to request for my payment inquiry to be expedited due to agent error and I was advised that my complaint will be forwarded for review. Something needs to be done. By no means in this XXXX fault as they did as I instructed. Goldman Sachs needs to be held accountable and backdate the payment effective date of XX/XX/2023 and delete the credit bureau reporting as thus account should be PAID OFF.
Company Response:
State: OH
Zip: 44266
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am submitting this complaint to you to inform you that APPLE CARD/GS BANK USA has made an error in sending out their statement. This bank was aware of the issue & agreed to update to open/never late. Please update. APPLE CARD/GS BANK USA XXXX
Company Response:
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
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: This is regarding a disputed transaction with XXXX XXXX in XXXX, PA. On XX/XX/XXXX, I checked into XXXX XXXX XXXX for a planned two-night stay. Unfortunately, on XX/XX/XXXX, I received the devastating news of my grandmother 's passing. Given the circumstances, I made the decision to check out around noon, a day earlier than planned. The front desk graciously acknowledged the situation and assured me of a refund for the unused night, amounting to {$210.00}. They provided me with a receipt clearly detailing this refund due back to my Apple Card. Days turned into weeks, and the promised refund did not appear on my card. Trusting in the reliability and integrity of the Apple brand, I initiated a dispute via Apple Card. However, I was genuinely shocked when the resolution initially sided with the merchant. I reopened the dispute and resubmitted my information, but it was again denied by Apple Card. To be clear, I have concrete evidence in the form of a physical receipt which confirms the refund owed to me. It is disheartening to think that despite such unequivocal proof, the matter was resolved against me, especially considering the emotional distress I was undergoing due to the sudden demise of a close family member.
Company Response:
State: OH
Zip: 44001
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I attempted to transfer money from my account in XXXX. I checked a few days later and the account stated that it was locked. I called Marcus by Goldman Sachs to figure out why it was locked on XXXX XXXX at XXXX. After speaking to a rep I was told to call back in 3-5 days. After a few days lapsed, I called back and still have not reached a resolution. I have called several times, with the call notes listed below. Called Thursday XXXX XXXX - XXXX Spoke with 5 different people including two supervisors about why my account was locked. Previously made a transfer of money out. Have made several transfers of money out of account without issue. Could not resolve issue. Was informed to call back in 3-5 days. Called back on Tuesday, XX/XX/XXXX XX/XX/XXXX XXXX - Spoke to XXXX about Affidavit of Identity Asked about form and to see what I need to do about unlocking account. Also asked why the account was locked. Would not tell me why the account was locked and was sending out form in 3-5 days. Stated form has to be notarized. XX/XX/XXXX XXXX - Spoke to XXXX Called in for my account and affidavit form that has yet to be sent. Was transferred to supervisor. Asked to speak to someone from legal. XX/XX/XXXX XXXX Spoke with supervisor XXXX in retrieving contact for legal Goldman Sachs Bank USA XXXX XXXX XXXX XXXX, PA XXXX XXXX Sent in affidavit requested by Marcus via priority and certified mail that cost {$28.00}. Received form on XXXX. Mail was postmarked from Marcus on XX/XX/XXXX, which was not 3-5 days from which I was originally informed that I would receive the form. Certified mail was picked up and received on XXXX in XXXX at XXXX by XXXX XXXX . XXXX Called in at XXXX ( 36 min call ) and spoke with XXXX in regards to unlocking my account and receiving my funds. Was informed that it had to be reviewed in 5 days. Asked to speak with someone in fraud about the issue due to trying to resolve this issue for a month. XXXX ( Fraud ) - Spoke to her about my affidavit and she stated it was received and needed to be reviewed. I was also informed that the Document Department reviews it and I would receive a call on Monday. XXXX. Still no call from Marcus about my account after sending in requested affidavit document XX/XX/XXXX Called in at XXXX ( 31 minute call ) Spoke to XXXX XXXX after being prompted for help via automated line. She stated she was not fraud and would transfer me over to someone in the unit. XXXX who was in the fraud unit stated that he was with another part of fraud had to transfer me to Fraud for Online Savings. XXXX ( Savings Specialist ) stated that the AOI was just received today, which was incorrect. She stated that she would have to transfer me over to another unit for Fraud. Speaking with XXXX in the Fraud Dept who stated that it would take 10 days to review the XXXX. This is conflicting with information that I received with XXXX. Received this address for attorneys to send in info : Goldman Sachs Bank USA Attn : Official Document Review Team XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Called at XXXX and spoke with XXXX who transferred me to Fraud Dept. I then spoke with XXXX from Fraud Specialist. Reggie informed me that the form was received, but that the seal was not on the form. I mailed in the original form notorized with the seal via certified mail. Copies were made of the original form for verification. I lashed out at XXXX about the number of times Ive had to call in about my account and asked to be transferred to a manager about my account. On hold for over 15 minutes and no one came to the phone. Was hung up on and transferred to a survey line. XX/XX/XXXX XXXX Called back to speak to fraud dept. XXXX answered the phone and transferred me to XXXX. XXXX finally sent me a one time code and still did not assist me in resolving this matter. I expressed GM frustration about the process and was told that it had to be escalated to another dept. After continuing my frustration, XXXX hung up on me and did not attempt to resolve the matter. XX/XX/XXXX XXXX Called to have account unlocked and spoke to XXXX. Transferred to fraud specialist XXXX and she stated that my information was confirmed, but that the seal could not be read. I also asked why was my account locked and she informed me that it was because of a phone number change. I have changed my phone number several months ago and made several transfers in/out of my accounts. I expressed to XXXX that people change phone numbers all the time and that it didnt make sense. I expressed My name, birthday, SSN, address never changed and that a phone number change should not justify locking an account. I couldve been easily called and asked to verify my identity if I received a PHONE CALL. I asked XXXX would I reimbursed for sending in the certified mail as this would be my SECOND time mailing out this form. She stated that she would make a note of it. Thankfully I had copies made of the original blank form. Got the form notarized AGAIN and made copies of the signed form. I went to USPS and sent next day shipping certified mail with signature confirmation for {$28.00}.
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
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: This dispute stems back from XX/XX/2022, I ordered 3D printer filament and used my apple card as payment. The filament was marked delivered by XXXX, but I never received it and my XXXX XXXX XXXX didn't show any delivery either. On the rare occasion this has happened to me, my credit card company backed me up because I truly never received the merchandise. Not to mention it was around holiday season which everyone knows delivery mistakes occur more around that time then regular. I have disputed it with apple card 4x and every single time they do not help me at all. " Dear Apple Card, Not sure what information I can provide besides confirming that I did not receive the delivery as stated by XXXX. I honest to god did not receive the printer filament that I ordered. It is demeaning to have to file the dispute several times because someone can not comprehend the item was misdelivered during XXXX time last year. Insane this is still pending, very dissatisfied with apple cards protecting my purchases. Please let me know if you need anything else. Best, XXXX ''
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I filed multiple disputes with my credit card company Apple in the amounts of : {$40.00} on XXXX won in my favor {$25.00} on XXXX won in my favor {$25.00} on XXXX won in my favor All these amounts were unauthorized and I am happy with the above amounts won in my favor. I am however filing this complaint because my credit card was on file with this company " XXXX '', so " XXXX '' fraudulently billed my Apple credit card in the amount of {$500.00} on XXXX for filing a chargeback with my credit card company Apple. I closed out my credit card with Apple immediately, and filed a dispute against this {$500.00} amount.XXXX tried to charge me an additional {$500.00} on XXXX but my Apple card had already been closed out. Today XXXX I get a response back from Apple saying XXXX won the chargeback against me for this " Dispute Fee ''. How can this be though when the 3 above only charges were wiped away because they were won in my favor. So this makes it where I never did any business with " XXXX ''. You can not charge me a chargeback fee, when I never did any business with this company " XXXX ''.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is the second time that XXXX has submitted false information to the credit reporting bureaus regarding this account. XXXX reported this account as a delinquent charge off in XX/XX/XXXX, but promptly corrected it after my complaint here. However, I received a credit alert on XX/XX/XXXX that XXXX is reporting my account as delinquent again. On XX/XX/XXXX, I contacted XXXX XXXX at XXXX to find out why my account is being reported as delinquent and to have it corrected. She didn't have any answers but said she would start an investigation, that was XXXX weeks ago. My XXXX XXXX has dropped XXXX points across the board. When I log into my XXXX account, it shows as current, and it should ; payments have been on autopay for the past couple of years. I even received the 10 day reminder email about the auto payment on XX/XX/XXXX. I have attached my payment history from XXXX 's website as well as the email for the auto payment on XX/XX/XXXX.
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A