Date Received: 2023-10-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I been waiting to hear from Apple/Goldman Sachs in regards to my settlement. The settlement was supposed to be half of my credit card balance. I never heard back from the company on what the balance would be and they continue to charge me balance interest. I am trying to figure out what is the plan
Company Response:
State: WI
Zip: 53172
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have an Apple Card credit card from Goldman Sachs. I've had a {$0.00} balance for 9 months since XX/XX/2023. I want to close the account. They say the account is under review. They have been telling me this for the whole 9 months I've had a {$0.00} balance. They will not let me close the account while it is under review. They have not provided me any updates despite asking for one at least once every few weeks for the past 9 months.
Company Response:
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have fake information in the " social security numbers '' area in which I only have and have only used the social security that was provided after my birth in XXXX XXXX I have reported several things over the past 2 years and yet nothing have been resolved.
Company Response:
State: NC
Zip: 28054
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
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: Contacted XXXX that USPS marked the parcel as delivered XX/XX/ but it was not received. USPS tracking states : Your item was delivered to an individual at the address at XXXXXXXX XXXX on XX/XX/ in XXXX, PA XXXX. The item was signed for by XXXX XXXX. I am not XXXX XXXX. I dont know anyone by that name. I am the only person who resides at this address. XXXX rejected my claim because the tracking shows delivered. Contacted via XXXX and Goldman Sachs, both rejected. I did not sign for this package nor did I make contact with the courier that day.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Sense I have had the card payment do not post right away to my balance awed. So if for example my balance was XXXX and I make XXXX payment for 3-30 days before it shows XXXX balance owed. Every rep I speak with I get a different answer all they want to do is do the same troubleshooting on my phone after 20times maybe Apple Card should check their system. They want me to take time off of at my expense to trouble shoot my phone for their issue. I beleive this is a ploy to collect extra interest cause right now if I make a payment after the 15 th of the month there is an 80 percent chance Im paying interest cause it more than likely it will the same month
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
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: Goldman Sachs credit card ( for Apple ) is falsifying credit card dispute investigations, so that they can deny the disputes, and not follow the rules of engagement for XXXX!!!! XXXX XX/XX/XXXX : i made a purchase for my XXXX pool heater display part via website XXXX XXXX XXXX XXXX XXXXXXXX? XXXX > never received an order confirmation email and never the purchase that was very much needed >. filed a dispute with Goldman Sachs. The website was a fraud and no longer accessible by this time and the address for the transaction posted on my statement was false! I provided GS with the URL and screenshots of the product order. TRANSACTION ON STATEMENT : " XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX '' > over two months later, I received an email from Goldman Sachs telling me my dispute was denied based on proof that I recvd my purchase. Of which is 100 % falsified!!! > I've escalated four times with their " representatives ''. I have been promised the dispute was re-opened and I will be contacted., then later promised they were mailing me copies of everything, I have been denied a phone call from their security/investigation department. I have been denied a return phone call from their customer advocacy department or mgmt. And the mastercard charge has been put back on my credit card!! as a matter of fact, I spent the entire summer still looking for the part I needed. And found it in late XXXX. I can provide proof of that too if needed!!
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My Apple Card was restricted, before that I had made a purchase, and I authorized that it was me, it was still restricted. the email associated with the apple card is : XXXX and the last XXXX digits the card XXXX and the last XXXX digits of my social security XXXX
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I requested information from both Apple Card and Apple Cash on why I am not being able to access or redeem the {$25.00} Apple Card Family promotion that was deposited by Goldman Sachs in my Apple Cash account on XX/XX/2023. I spoke with several Apple customer service representatives and supervisors, and explained that I can not see or access the {$25.00}. Furthermore, I noted that I had filed a complaint with the CFPB against Goldman Sachs and received a response stating that Due to a system error, the {$25.00} was not added to the Customers Daily Cash balance within 7 days of the posted transactions as stated in the terms of the promotion. The Bank confirmed {$25.00} was added to the Customers Daily Cash balance in relation to the referenced promotion on XX/XX/2023. I contacted Apple multiple times seeking a resolution, to no avail ; eventually I was told by an Apple representative that Its ONLY XXXX dollars!! The delay tactics by Goldman Sachs and now by Apple is beyond frustrating. This should never be allowed to happen to any customers.
Company Response:
State: CA
Zip: 95032
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
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: My Complaint is direct at both XXXX and the Apple card XXXX Many, Many, Many Years ago, XXXX offered me a free cell phone reception booster for my house. I can honestly say it didnt work. I dont recall the exact date that I got the booster, but it was something like in XXXX or XXXX I mean a long time ago. I believe it was called XXXX but Im struggling to remember. There were two cheap plastic boxes. One which you were supposed to put in your window, and another in a central location In your house. It didnt really improve reception and XXXX began allowing WiFi calling, so I didnt think the boxes helped. After I got the device, I realized that there was a non-return penalty of {$500.00} if I didnt return the box. Knowing that I didnt think the box was useful ( and previously paying a cable company for forgetting to return a cable box ) I drove to my nearest XXXX store to drop off the box. I dont recall how the transaction went ( it was like 10 years ago ) but I recall returning the box to the store. Fast forward 10 years, I decide to cancel XXXX and go to a XXXX XXXX XXXX I visit national parks and XXXX coverage on national parks is much better. Anyways, XXXX informs me that they dont have a record of this box. I spent a while on the phone with them, and Im told by the representative that I have to return the exact same box with the exact same serial number. Of course, I dont have it anymore. Otherwise, they will bill me {$500.00}. Sure enough, they charge my credit card {$500.00}. I dispute with my credit card company, and they say well XXXX showed us this invoice so thats proof enough for me. My problems : Said box was returned years ago I was not allowed to pay todays market value for the box. No way a signal booster from 10 years ago is worth {$500.00}. Looking on XXXX, I can buy what I think is essentially the same box today for {$20.00}. I think the box was XXXX, meaning it would likely be deprecated today. Because I dont keep receipts or have proof from 10 years ago, Im being charged {$500.00}. I was a XXXX customer for well over a decadepaid them north of {$5000.00}. I recognize breakups are hard, but charging me {$500.00} for this XXXX box is just a great way to tell a customer to never come back. My phone number is XXXX My XXXX Account number was XXXX My Apple Card is tied to my apple ID : XXXX Am I wrong here? How do I get my {$500.00} back? Has XXXX done this to anyone else.
Company Response:
State: TX
Zip: 77006
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2023, I made a payment for {$1800.00} and was told that the interest charge would be {$43.00}. Instead, I was charged {$86.00} I made countless efforts by Support chat and over the phone to correct the issue, but no agent was able to take actual power. They said it was because of trailing interest from a previous month, but that is entirely untrue, because the balance had been paid in full during those months. Out of frustration, I have closed the account and will be paying the balance in full now to avoid future interest. The systems from this company and credit card are completely mismatched with true information. The best example is not just the overcharging interest, but the fact that when I closed my card today that they could not close the account with the full balance paymentto say that another way : I tried to pay the full balance of all charges and they would not even accept it! Will I be charged interest on that?
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A