Date Received: 2023-10-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I informed Apple Card by Goldman Sachs that I was encountering financial difficulties due to health issues faced by myself and a family member. I have had the account for a couple years and have established a track record of making full payments, each month, on time. I have diligently been making payments each month over the last 3 months, but have relentlessly been charged interest and have not been offered any help with the continual charges, notwithstanding my longtime account member status. In addition, the interest calculator tool has been incorrect, and the system increases the amount of interest in large excess than what it states it will be as the month goes along. I have been charged over {$250.00} in interest over the last 4 months despite proactively reaching out to ask for disaster relief ( stemming from XXXX damage to my family member 's home in FL ) and health crisis considerations. When I call, I receive discourteous, unhelpful service, along with false promises about what interest can be waived and what can be done for my account. Additionally, I was told that I couldn't receive any help since I had already made the minimum payment in a given month and to call back early the next month ( which means that I'm being penalized for making as many payments as possible! ). However, when I called back the next month before making any payments, I was told I STILL could not receive any assistance. Apple Card has been the worst experience, from a customer service standpoint, imaginable. As a comparison, when I called XXXX with a similar request, I was given a XXXX interest waiver and an offer to be put on a zero-interest plan for 12 months. I don't expect that every company will behave the same, but I certainly did not expect that XXXX and Goldman Sachs would leave me feeling so helpless and hopeless.
Company Response:
State: NY
Zip: 11001
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC1681 Section 602. States I have the right to privacy. 15 USC1681 section 604A ( 2 ), it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: My Apple Pay was closed and I do not know why. I called customer service and they didnt know why themselves. All they said was it was the company decision and thats what they did.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: APPLE CARD/GS BANK USA ACCT XXXX XXXX DATE OPENED : XX/XX/XXXX {$2700.00}. This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX in the amount of {$2700.00}. And i also have not received my 1099-C letter from this company.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX XXXX Denial On XX/XX/2022 I obtained a personal loan with Marcus. I am able to access my Marcus account online with user name and password. My identity has never been questioned regarding this loan account. I have applied for GM Business Mastercard by Marcus on three occasions between XX/XX/XXXX and XX/XX/XXXX and received Pre-approvals $ XXXX {$19000.00} each time. They soft pulled my XXXX Score which is currently XXXX. Each time I applied, Marcus accessed and pre-filled my application with my existing customer information via my username ( email ) I provided on the application or by me logging in. However, I have been denied each time due to 'Unable To Verify Identity ' although I provided requested Driver 's ID and Certificate of Good Standing. Furthermore, I am already a Marcus customer and have been verified when I opened my loan account. Here are GM Business Credit Card applications : APPLICATION XX/XX/XXXX Applied Preapproved {$18000.00} XX/XX/XXXX Marcus requested additional documentation : -Driver 's license or state-issued ID -Certificate of Good Standing XX/XX/XXXX Provided requested documents XX/XX/XXXX Application Denied. 'Unable to verify identification information ' APPLICATON XX/XX/XXXX Applied Preapproved {$19000.00} XX/XX/XXXX Marcus requested additional documentation : -Driver 's license or state-issued ID -Certificate of Good Standing XX/XX/XXXX Provided requested documents XX/XX/XXXX Application Denied : 'Unable to verify identification information ' XX/XX/XXXX Called customer service and could not provide any additional information APPLICATON XX/XX/XXXX Applied Preapproved {$19000.00} XX/XX/XXXX Requested additional documentation : XXXXDriver 's license or state-issued ID -Certificate of Good Standing XX/XX/XXXX Provided requested documents XX/XX/XXXX Application Denied : 'Unable to verify identification information ' XX/XX/XXXX Called customer service and spoke with XXXX, but could not provide any additional information APPLICATION XX/XX/XXXX Applied Preapproved {$19000.00} XX/XX/XXXX Requested additional documentation : -Driver 's license or state-issued ID -Certificate of Good Standing XX/XX/XXXX Have not provided requested documentation due to uncertainty of why they are 'Unable to verify identification information ' Though I am proud to be a Marcus customer and would like to obtain the GM Business Mastercard it is frustrating being told they are 'Unable To Verify My Identity ' though I've provided a clear legible Driver 's License that matches my existing Marcus records and a Certificate of Good Standing for my business. Instead of telling me exactly why they can not verify my identity or if a 3rd Party is providing verification they tell me all I can do is reapply which is not very helpful. I found on multiple forums such as XXXX, XXXX and XXXX that Marcus applicants are facing similar issues and not given any answer on why this is happening to existing customers. My application has never been escalated to manager nor my has my application been given a manual review. I would my application to undergo manual review and escalated.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
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: On XXXX XXXX I charged {$120.00} for a deposit to get my eyebrows microbladed on XXXX XXXX at XXXX. The owner of XXXX canceled my appointment on the day of stating she was under the weather. I reached out to her to reschedule but in over a months time there was no resolution so I ultimately disputed the charge. Apple keeps ruling in the merchants favor although the service was not provided and I gave proof of our correspondence.
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to complain to XXXX XXXX XXXX XXXX about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Company Response:
State: CO
Zip: 80301
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I had identity theft that resulted in the creation of the account. The identity theft occured from a roommate who lived at my property and had access to my mail. Through illegal activities including physical theft and identity theft, they opened this account fraudulently and used it to acquire merchandise that I did not authorize, benefit from, participate in, or allow. The police were notified, the FTC was notified, the credit bureaus were notified, and in spite of numerous police reports, direct complaints, indirect complaints, and disputes, they remove to remove the information certified its accuracy under false pretenses.
Company Response:
State: TX
Zip: 78247
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My credit card was billed {$100.00} by XXXX. I contacted the credit card company to dispute the transaction. The {$100.00} was for a subscription for monitoring of XXXX security cameras that I purchased from XXXX XX/XX/2022. The cameras were stolen shortly afterwards and I cancelled the subscription XX/XX/2022 with XXXX. No refund was given for the unused portion of the monitoring. I changed my credit card number immediately after notifying XXXX. I never had interaction with XXXX nor anyone identified as XXXX. The fraudulent transaction should not have been billed to my new card by the credit card company. I believe credit card company employees are scamming senior citizens.
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
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 was notified that I my Apple Card from Goldman Sachs card that I had {$1900.00} balance. That news was a shock to me because I did not use that card. I have received the first notification about strange charge on Apple Card on XX/XX/XXXXXXXX ; I had a XXXX XXXX charge of {$5700.00}. I do not eat pizza. I contacted via text Apple Card, Goldman Sachs bank, and reported that the charge was a fraud. I requested to close that card or change the number on it, at least. I though the issue was resolved, when all of the sudden, I got in XXXX of XXXX a notice of having an Apple Card bill of {$1900.00}. I contacted Goldman Sachs again, reported the fraud via phone and text, looked into charges, and reported them as fraud in more detail via text. I had charges from XXXX XXXX, dated XX/XX/XXXX. I am an XXXX XXXX XXXX, I do not just pick up and travel on whim as any time I leave my duty station ( I am stationed at XXXX XXXX , VA, since XXXX XX/XX/XXXXXXXX and reported for duty on XXXX XX/XX/XXXXXXXX ), I must have an approved leave. I did not travel on XX/XX/XXXXXXXX On the same day of XX/XX/XXXXXXXX I had two charges for {$550.00} what looks like XXXX XXXX, daily cash charge of {$47.00}, a charge of {$720.00} for XXXX XXXX, and some fees accrued from those charges I reported the identify fraud on-line after talking to Goldman Sachs representatives several times, mailed the hard copy of the report. Still, Goldman Sachs reported me as I were delinquent on payments. I get calls from some debt collectors. It is unacceptable. I want Apple Gard card to be closed and debt to be removed from credit agencies. Goldman Sachs abused my trust and harmed my credit.
Company Response:
State: VA
Zip: 22079
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A