Date Received: 2023-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was approved for a {$6000.00} credit card through apple. Shorty after I started getting fraudulent charges I tried to close out the account but apple informed me that all someone has to have is your phone number and you account can be hacked. They allowed my XXXX credit limit to be utilized to over {$30000.00}. There was another phone number connected to the billing that was not mine as well. Apple states that I should be fine but they keep saying that the debt it mine when I have is disputed. This has dropped my credit significantly and there is no way a XXXX limit can be exceeded to XXXX and I never utilized it. Apple now say to file a report so that I can properly dispose of false claims.
Company Response:
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
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: XXXX states claims resolved within 90 days. I have claims over a year and the company doesnt provide documentation.
Company Response:
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: At XXXX EST on XX/XX/2023 I received an email saying : We need to speak with you about your Apple Card account. Be sure to call us at your earliest convenience. Call XXXX or click here to chat to contact us. I reached out immediately via the chat service and was told to reset my Apple ID password. I did as requested. After I did this, they forwarded me to another representative to " continue the process '', but I had to wait 1 hour for this next agent. The next agent told me the card was locked and under review, and that they would call me when the review was completed. They said they could not tell me why the account was locked, or how long the review would take. I reached out multiple times the next day and was told the same. I also tried calling and waited on hold for an hour before being told the same thing. There was no information provided to me about what could have caused this, how I could fix it, or how long it would take. My card has a balance on it, and I have auto pay set up. I asked if auto pay would still trigger even though I had no way to view my balance or submit a manual payment. They said they could not even provide me with that information. So for all I know, auto pay will still happen, or the balance will roll over and I'll owe interest payments. After searching online I found that this is a common problem. People report that once the account is locked for review, it could take weeks or even months to get it resolved, and there is no way to get any information about the process. My understanding is that Apple Card is managed by Goldman Sachs. I've had the card for years and been a member in good standing, never missing or even being late with a payment. I saw no suspicious charges on my account before it was locked.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
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: We had a warranty claim that the service provider did not repair correctly. Below is the timeline. Apple Card credit card did nothing to resolve the issue. Hello XXXX XXXX Im emailing you per our recent conversation with a breakdown of the HVAC issues at your property last summer, specifically pertaining to the work completed by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX was initially assigned to the claim. They went out to the property and marked the claim as completed as of XX/XX/2022. No details were provided in regards to any work completed at this time. They went out on this same work order again on XXXX and once again marked it as complete. XXXX XXXXXXXX XXXX XXXX was sent a recall to go out to the property. They went out on XXXX and turned in a report advising the condenser at the property needed to be replaced. A XXXX XXXX XXXX and XXXX XXXX were ordered at this time based on the report turned in and XXXX XXXX XXXX advised due to modifications and other costs not covered by the contract you as the home owner would {$890.00} to complete the work. XXXX received confirmation from XXXX XXXX XXXX advising the condenser replacement for this unit at the property was complete but they are still working on the replacement needed for the other XXXX unit at the property. XX/XX/ Issues with unit after new condenser installed FACT XXXX was assigned to review the situation. Found that the condenser installed was incorrect it was straight cool and needed heat pump condenser advised that the condenser and Air handler needed replaced. XXXX XXXX XXXX XXXX XXXX assigned as there was a lot of back and forth with FACT XXXX about costs and getting report. It took some time to locate proper equipment but XXXX XXXX was able to replace the unit with the correct equipment. XXXX received confirmation claim complete. Thank you! XXXX XXXX Sales Support Team XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hours : M-F XXXX to XXXX MTN XXXX A member of the XXXX XXXX XXXX XXXX family of companies | XXXX XXXX XXXX ****************************************************************************************** This message may contain confidential or proprietary information intended only for the use of the addressee ( s ) named above or may contain information that is legally privileged. If you are not the intended addressee, or the person responsible for delivering it to the intended addressee, you are hereby notified that reading, disseminating, distributing or copying this message is strictly prohibited. If you have received this message by mistake, please immediately notify us by replying to the message and delete the original message and any copies immediately thereafter. If you received this email as a commercial message and would like to opt out of future commercial messages, please let us know and we will remove you from our distribution list. Thank you.~ ****************************************************************************************** XXXX
Company Response:
State: AZ
Zip: 85212
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX my Apple Card was hacked and significant purchases made within a XXXX hour time period. I notified Apple immediately upon discovering the fraud, contacted the stores when I would receive notification that a purchase was ready for pickup, filed a report with the FTC and cooperated as best I could with providing the limited information I had on the thieves. I have been working with more than 30 different Level 1 customer service representatives and had to finally only request to speak with someone at a supervisory level due to the poor service, confusion and advice. I have a spreadsheet with all 19 of the dispute files and when any action was taken. I have since discovered that more purchases were attempted but had been caught before completed. On the disputes the back and forth on resolved, reasserted, and denied has been a trued nightmare. Invariably one person would make a determination and then another would countermand. It has been XXXX months of constant chaos and frustration. Each and every time I think we are nearing the end another issue arises and am told it will be ANOTHER XXXX days till resolved. There is no dispute whatsoever that I did not make a single purchase as I live about XXXX miles from where the fraudulent action was initiated, my ethnicity and name do not mesh with the diversity of those picking up the items and no request for confirmation of proof I made the purchases at the time of a person not listed on my account picked up the electronics. During the hack they were also able to download funds from my associated debit card to Apple Cash and promptly cashed it out at a Florida XXXX. I immediately contacted my bank who within a 3 hour time period confirmed that this was fraud, that I was not involved and refunded the missing money to my bank account. The guidance I received over these last 4 months has been frightening to say the least. One representative actually thought it would be a great idea if XXXX sent me the credit balance on my account ( due to the dispute credits ) and I could then pay one of the outstanding installment accounts on one of the fraudulent IPhone purchases ( there were XXXX phones purchased ).. I quickly dismissed this advice as being non-nonsensical which prompted me to ask for a supervisor to intercede. I have had some better advice and service from a few of the supervisors who promise to make it their personal mission to get this corrected once and for all. However, when they have cleared one case off the docket some XXXX puts it back on. I have specifically been irate that during these XXXX months, the purchases have been reported to the Credit Bureau which of course has had a negative impact on my credit rating. Debt to income way out of whack with just under {$9000.00} in fraudulent purchases. When I contacted customer service to express my frustration that obvious fraudulent purchases would be reported under my name. I received a nasty email in return stating that because the balances showed up on my billing statement they were correct in reporting the information. Totally dismissed the fact that this was fraud. Credit rating directly equates to the cost of money for me. I have had to delay the purchase of a new vehicle as I would be charged much higher interest rates that I would have afforded under my true rating.
Company Response:
State: MN
Zip: 557XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022 hard inquires was pulled from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my knowledge , I sent dispute letters 2 months ago but have not gotten any response back from the creditors.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a GM Credit Card by Goldman Sachs and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for an Apple Credit Card by Goldman Sachs and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I recently cancelled my credit card requesting a replacement due to the card being lost. I also requested a new electronic card number. I was told and completely expected, it was my responsibility to update companies with the new card information. Apple took it upon themselves to send my new card information to at least one company without my consent resulting in an unauthorized payment. I immediately contacted Apple to prevent the processing of the transaction of which they refused saying I needed to reach out to the organization. It is my belief they had not right to pass on my new credit card information to anyone. I view that as a violation of my privacy. At a minimum they should have requested my permission to supply this organization or any company with my credit card number. I have never experienced this before with any credit card company.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A