Date Received: 2023-10-30
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: Dear XXXX, On XX/XX/XXXX, XXXX XXXX, I bought an airplane ticket from kiwi.com for {$540.00} departing from XXXX on XX/XX/XXXX and arriving at XXXX. The ticket confirmation email is attached below. However, as soon as I received the above confirmation for the ticket, I realized that I accidentally bought the ticket for XX/XX/XXXX instead of XX/XX/XXXX. This happened because the default ticket calendar page that opened on XXXX 's website showed XXXX dates instead of XXXX dates, and because the dates were represented numerically, I made a mistake and purchased for the wrong month. XXXX 's mobile app and website asked me to call customer support for cancellation or date changes. I called kiwi immediately and explained them the situation. They said that whether I change to a different date or cancel the ticket, they would only refund ~ {$10.00} instead of the {$540.00}, even though it was only couple minutes before that I had purchased the ticket. That would have effectively meant no refund. It turns out, this is a scam kiwi regularly engages in and is well-documented at its XXXX page here : https : //en.wikipedia.org/wiki/Kiwi.com # Controversies So, I told XXXX that I don't accept their offer and that I would dispute the transaction through my own credit card company. This call happened between XXXX and XXXX XXXX on XX/XX/XXXX. I then proceeded to buy the second ticket with the correct date, which was XX/XX/XXXX, this time for the price of {$560.00} on XX/XX/XXXX, XXXX, immediately after my call with kiwi XXXX The email for the second purchase is attached below. Afterwards, on XX/XX/XXXX, XXXX ET, I contacted Apple Card via imessage to dispute the transaction for the first ticket. In summary, the time span between buying the first ticket, contacting kiwi, buying the second ticket, and contacting Apple Card support happened within XXXX minutes. I have been disputing this transaction since XX/XX/XXXX, which was 6 months ago. Goldman Sachs keeps refusing my request. From my perspective, if Apple Card is not going to protect me in moments like this, then why am I using Apple Card over my XXXX XXXX through Chase, which has protected me during even more difficult situations? If there is anything else you want from me to finally resolve this dispute in my favor, please let me know. I have spent over {$110000.00} through my Apple Card since XXXX. If XXXX XXXX XXXX not going to honor my request, then please proceed to cancelling my credit card because I do not want to be a customer to a bank I do not trust anymore. In my opinion, a fair resolution to this complaint would be the refund of {$540.00} and a reprimand of kiwi.com for the unfair situation it puts their customers. thank you in advance
Company Response:
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I waited over 1 year to request a line increase on my Apple Credit Card, last requested increase was XX/XX/XXXX. Payment was made on XX/XX/XXXXXXXX to Apple Credit Card. Payment applied on XX/XX/XXXXXXXX and funds left checking account on XX/XX/XXXX. Credit Card was paid off in its entirety. Credit Line increase was requested on XX/XX/XXXXXXXX to help raise credit score and credit line. Line increase was declined due to previous payment not being a " significant portion '' of loan balance per Goldman Sachs. Card was paid to {$0.00}. Supervisor named XXXX advised myself that the payment was delayed on Goldman 's side. Payment was then applied on XX/XX/XXXXXXXX on Goldman 's end, manually by XXXX. XXXX advised decision is final and can not be updated, I need to wait an additional 180 days for another credit line increase.
Company Response:
State: CO
Zip: 80917
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have been trying to withdraw my money from my XXXX account since XX/XX/XXXX without success. Because they make it so hard to access my money, I have been trying to close my account and have my money transferred to another bank for 2-3 weeks now without success. I have called them over and over and am told different information and have been promised that the problem is solved and I will get my money, but I still do not it. It seems illegal for them to deny me access to my money for 2 months now.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I want a monthly paperbill. The company is not sending me any monthly information concerning my account and says I must request on the phone my paper monthly statement or it won't be sent.
Company Response:
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: Banks Involved - XXXX XXXX XXXX : XXXX XXXX, - XXXX : XXXX bank that works with XXXX XXXX XXXX to wire funds - Apple Savings : Goldman Sachs bank that works with XXXX I sold my companys stock through XXXX XXXX XXXX and started a wire transfer to my savings account ( Apple Savings, through Goldman Sachs ) Date of stock exercise : XX/XX/2023 Date of sent funds : XX/XX/2023 Amount : {$10000.00} I didnt realize that Apple Savings account didnt accept wire transfers, so I called Goldman Sachs XXXX XXXX them know that this was a mistake and to please reject the funds so it can go back to XXXX XXXX XXXX XXXX I was notified by XXXX, multiples times, that their system automatically rejects any incoming wire transfers and that the funds shouldve been returned. They provided an IMAD number and that the funds went back to XXXX. I called XXXX XXXX notify them about this auto rejection, and they started a recall funds process. XXXX XXXX XXXX through XXXX has not been able to contact anyone at Goldman Sachs to prove that they have returned my funds. I call Goldman Sachs to investigate how I can prove that the funds have been returned and they say that they dont have a way or a team that XXXX XXXX XXXX can reach out and talk to directly. The funds have no been returned and Goldman Sachs is refusing to help find the funds further because according to their XXXX theyve already done the investigation and theres nothing else they can do. XXXX XXXX XXXX has provided me with a XXXX codes to prove that they sent out the money, but XXXX is refusing to help further investigate this matter.
Company Response:
State: CA
Zip: 95831
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Back in XXXX of XXXX i made severall purchases with XXXX and home depot the home depot charge of {$180.00} is a duplicate charge i placed an order from.home depot and homecdepot cancalled it and statrd they would give me my money back which they never did i checked my statements and nothing was ever refunded. I have explianed this to applevcard severall times only to be told that the charge is vaild they are not listening to me. 2nd charge is from XXXX for {$240.00} i upload and submitted documents severall times showing i returned the merchandise to XXXX i dont know what the problem is with this order i uploaded the tracking number showiing this returned to amazon XXXX {$170.00} XXXX XXXX apple card states the merchant gave a refund but when i look at my statements it says merchant denied refund and it does not show up added to my statemt. I dont know what the isdue is i have explained this severall times to apple card but yet they dont listen.
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Other transaction problem
Subissue:
Consumer Complaint: I tried to perform a wireless transfer from my Marcus Bank savings account to my XXXX brokerage account but the bank locked my account ( without notifying me ) and it took many calls with customer serviced to unlock my account. Although I've had a substantial cash balance with this bank for several years, they nonetheless suspected fraud may be occurring with my account. Each time I contacted consumer service they could not explain why the lock was performed. And each time they assured me my account was being unlocked due to my answering a series of verification-related questions ; however the wire transfer still could not be accomplished. I decided to close my account, yet even this action resulting in a further lock of my account until I finally asked for a " supervisor 's '' assistance resulting in closure of my account and transfer of funds to XXXX.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I sent a dispute letter to the company in XX/XX/2022 regarding a lender reamortization of the loan which increased my debt to higher than the original amount and increased the payments. Also included in that letter was a notation from the dental practice provider that they ( dental provider ) subsidized the loan to give me 0 % interest instead of a XXXX XXXX interest rate. Company failed to acknowledge the dispute letter sent, company failed to respond in 60 days to dispute. Phone calls went no where to arrive at a solution. Accounting procedures are very shady and XXXX payments have never been credited to the account and despite providing proof, they will not credit the uncredited payments. Company has started charging a ~ {$2.00} foreign exchange fee ; the company is domestic. Calls to the company regarding this with the response being insufficient.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
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 was the victim of identity theft in early 2023. I flagged this very quickly with all of the credit reporting services. I signed up for intensive monitoring with XXXX in early XXXX. On XX/XX/2023, I got an email from XXXX which said that XXXX had reported a new account. After checking with XXXX, I found that it was an Apple Card. I called and was transferred to XXXX who looked up the account using my SSN. I had been added as an additional user to another card ; the address used was in XXXX and didn't match any of mine in the file. They did not review the credit report ( and thus didn't see the fraud alert ) as they don't do that when someone is added as an additional user. After consulting his supervisor, he was told to treat it as card fraud and block the account. I put in an dispute with XXXX. On XX/XX/2023, this showed up on the XXXX credit report as well, and I filed a dispute with XXXX. On XX/XX/2023, XXXX said that the account was valid. On XX/XX/2023, I called Apple Card and spoke to XXXX and explained the past situation. She confirmed that hte account she pulled up ended in XXXX ( which was what was shown on the XXXX report. She tried to open a credit bureau dispute from her side but got an error when she tried and sent me to a supervisor. XXXX checked and said that the investigation was completed last month and it would correct itself the next week when they report new data to the credit bureaus. She said that they report on the XXXX week of the month. She said that it had been escalated and I should call in XXXX if the information hadn't been removed from the report. On XX/XX/XXXX, I checked the XXXX report and it showed as closed but with late payments. There was no comment to indicate that it was not my responsibility ( as they had stated on my initial call in XXXX ). On XX/XX/XXXX, I pulled the XXXX report and saw the information was still there. On XX/XX/XXXX, I called and spoke to XXXX and explained the situation. She sent me to a supervisor XXXX XXXX XXXX who said that he would transfer the case to the fraud department as a complaint but it would be resolved in 30 days. I explained that this was their last shot to fix it - after that, I was going to CFPB. The credit report I pulled today ( XX/XX/XXXX ) shows that the incorrect information is still there.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: My apple XXXXXXXX was stolen on XX/XX/2023. The thief was able to completely change my Apple ID information making it impossible for me to access my account. I contacted Goldman Sachs who issues the Apple Credit Card I had and they shut it down and closed my account. They are refusing to send me statements and change the email address associated with the credit card for me to receive statements. They are sending statements to the email address of the thief, who certainly isnt going to be paying my bill. I think they should be required to switch that email address into one that is mine so I can receive my statements. The thief should not be receiving information that does not pertain to them.
Company Response:
State: OH
Zip: 45840
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A