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: I made a car rental reservation with my Apple card, and when I tried to delay the pick up of the car, well before the scheduled time due to a delayed flight, in accordance with the instructions on the booking site, I was told that the car was no longer available and that my reservation was canceled. The booking company then refused to refund any of my 10-day reservation fees, even though the car provider had not been paid. I disputed the charge with Apple and they sided with the booking site, citing the booking company 's policy of refusing refunds for any reason, even though the company was unable to provide me with ANY service at all.
Company Response:
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 Marcus by Goldman Sachs contacted me via email to inform me to contact them by phone. I called them on their phone number ( XXXX ) and answered all security questions successfully. They said that they need a phone number to provide a security code and I gave them the phone number on file which I was also using to call them. They said they were unable to send it to that phone number and would not give a reason. Despite this, the app sends a OTP pin to my phone number no problem and lets me sign in with it. Anyways, they said the only thing that would let them disclose why they had told me to call them was an notarized affidavit of identity sent to me by mail. Fast forward 5 days and I still have not received the letter, so I call them again. They said it takes up to 10 days and to call them back. I asked if there was an online form I could print out instead of being sent it and they said no, despite one being available on XXXX when you search " Marcus Affidavit of Identity Form '' on their website, marcus.com. Now, 10 days after the initial phone call I am given the same routine on the phone. They tried to put in a new request for the form, but I informed them that I had called 10 days ago and the request for the form was already put in. They found the request and said it was still processing. I was told that they were escalating the issue and I should hear back from them. I have missed rent and credit card payments as a result of not being able to withdraw my own FDIC insured funds from the bank. They even accepted the direct deposit to the account from my work and won't let me access it.
Company Response:
State: WA
Zip: 981XX
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: I had a repair service was done to my daughter car in XXXX XXXX Michigan at XXXX XXXX on XX/XX/XXXX after recommendation from the head mechanic that I need to change the front break disc and pads and sensor and calibres bolts and the front sway bar links so after he finished the service I went with the mechanic for a test drive and I noticed that the noise sound I used to hear it in the front suspension still the same nothing changed and I told him that but he kept saying there is nothing wrong and he checked the front suspension and he didnt notice anything wrong I paid him and took the car after couple days I heard a loud noise coming from the front brake I stepped out to check it and found that the break pads clips are loose and making that sound I took it to the shop on the next day to fix it since I know that its still under warranty they put the car on the left to fix it but when they returned the car back to me I noticed that the caliper cover is missing and when I ask the mechanic about it he told me that its was broken while fixing the clips and that something can not be purchased separately which means I have to buy the whole calliper which cost {$650.00} labour not included also I was charged for wheal alignment which was not required for those repairs and I had an argument with him about it and when I asked him when did you do it since you dont have the proper equipment for it he told me at XXXX XXXX XXXX and when I asked about the alignment computer print out he said that he didnt have it so at the end he gave me an invoice with the store credit for the alignment charge as shown on my pdf file I tried to use my warranty couple times since I am satisfied with the service is been done and all the noise I been hearing and the shacking I am feeling when using the brake but he keeps saying that nothing wrong and if I am not happy I should take it to the dealer to get it checked and hes not doing anything else on it I kept driving the car for couple weeks and then went to change oil at the XXXX XXXX XXXX shop because I want to know first if my car is been there for alignment before as he mentioned but my car information wasnt registered at their system I asked the mechanic to check the front noise and the brake problem and I mentioned that these are new and its only been done couple weeks ago he open it and allowed me to take couple pictures for the discs and the calliper bolts which was rusty and doesnt seems that was replaced new and I was complaining about the black dust coming out from the front pads also but while I was standing there I noticed that the owner son of XXXX XXXX stepped in and had a brief conversation with the guy who runs the XXXX XXXX XXXX so I didnt feel comfortable and paid for the oil changed service and suspension check and left the shop latter on on XX/XX/XXXX I was driving with my daughter to New York and its around XXXX XXXX from XXXX XXXX I had a very unsafe trip driving my car with that weird noise I was hearing so as soon as I arrived New York the next day I went to a local mechanic shop to check the car to make sure its ok to drive it back to Michigan and there was the big surprise that the only thing that XXXX XXXX change in my car was the front brake pads but because it was installed on the old bad discs and wasnt installed properly thats why I was feeling the shaking while using the breaks also the calliper bolts never changed before the front sway bar links never changed before and in very bad shape causing all the noise on the front suspension so I ended up getting all these parts replaced again and I had to pay again for parts and service for the same parts XXXX XXXX change me for but never replaced it
Company Response:
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with monetary relief
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: around last year I made multiple charges with my apple card. the limit was XXXX} I traveled with the limit XXXX} when i came back the charges was around {XXXX} i filed a dispute with them and they denied it. i believe it is unfair.
Company Response:
State: MD
Zip: 20774
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello dear, suddenly they closed my account without any explanation
Company Response:
State: NJ
Zip: 088XX
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: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XXXX I requested a credit line increase for my Marcus Goldman Sachs account and I was denied as they said that I missed a recent payment. This is false as I have not missed a payment on my statements, XXXX XXXX, and XXXX Account. I am complaining as this information is false.
Company Response:
State: TX
Zip: 76182
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been battling with APPLE CARD/GOLDMAN SACHS BANK USA for over 6 months regarding billing issues amongst other things. I have sent them several mailings to which no response has been given, I have reached out via text messages and eventually they just decided to charge off the account instead of providing documentation I requested other than monthly statements. I have in numerous occassions brought to their attention this is credit line that is for personal and household use, I have requested proper accounting and for them to review the billing errors, no response and no action taken on their behalf. I have also disputed this account several times with the credit reporting agencies and it comes back as dispute " solved '' yet I have not been notified of said investigation process nor how they have " validated and verified '' said information to be true and accurate. My final mailing to APPLE CARD/GOLDMAN SACHS BANK was in XXXX and I still do not have any response. I am formally complaining to CFPB as it is my undertanding this is the correct way to start my process and get this issue resolved as it is causing me damages. I am providing a copy of what my consumer credit report shows as of today, a copy of my last mailing to APPLE CARD/GOLDMAN SACHS BANK , a copy of the AGREEMENT, and one last and final question : the IRS considers charge-offs to be income. However, the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ) ( 1 ) ( A ) of the FCRA specifically prohibits the reporting of income on consumer credit reports, with that in mind, APPLE CARD/GOLDMAN SACHS BANK has several violations without getting into detailed review of their actions.
Company Response:
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Apple Card by Goldman Sachs : ***The 1-sentence summary : *** Goldman Sachs charges 30 days of interest when credit card balalnce is paid 1 day late, and this secret interest charge is usury and completely absurd ( especially since their own representatives are unable to explain the exact calculations ). ***The 5-sentence summary : *** The automatic payment of my credit card bill from Goldman Sachs was scheduled for Saturday, XX/XX/XXXX ( default payment date when enabling automatic payments ). Goldman Sachs emailed me on Tuesday, XX/XX/XXXX that the automatic payment had failed. I then manually paid my credit card bill -- in full -- within 5 hours after receiving this email notification. However, I was charged interest fees for 30 days instead of what should be a minimal charge ( either 5 hours of interest since I paid 5 hours after Goldman Sachs sent the email on Tuesday, or at most, 3 days of interest since the automatic payment was scheduled for the previous Saturday ). This secret interest charge ( approximately {$150.00} ) by Goldman Sachs is usury and completely absurd ( especially since their own representatives are unable to explain the exact calculations ). ***The details : *** I have automatic payments set up with Goldman Sachs for the Apple Card . When setting up automatic payments through the Apple Card app, the default option for " Payment Amount '' is " Monthly Balance - stop or avoid new interest charges '' and the default option for " Payment Date '' is " Due Date - On the last day of every month. '' I chose the above default options when enabling automatic payments ( to be debited from my bank account ). In other words, 100 % payment of full monthly balance on the last day of the month. I have had an Apple Card for 4 years, when the product was first introduced by Apple / Goldman Sachs in XXXX. I have had the default payment options selected since that time. I have paid 100 % of the monthly balance for 4 years ( via automatic payments ), and have never incurred any interest charges or penalties. The credit card balance for XXXX ( XX/XX/XXXX - XX/XX/XXXX ) was {$7400.00}. The automatic payment of 100 % of the monthly balance ( default payment amount ) was scheduled for XX/XX/XXXX ( default payment date ). Goldman Sachs attempted to automatically withdraw {$7200.00} from my bank account on XX/XX/XXXX. I believe the difference between {$7400.00} and {$7200.00} is due to returns, credits, etc. Please note that this was a Saturday. On Tuesday, XX/XX/XXXX ( at XXXX ET ), I received an email from " Apple Card Support '' stating that " your recent payment was unsuccessful. Your recent payment did not go through because of insufficient funds. The payment that was applied to your account has been reversed. As always, Apple Card will not charge you a fee. However, the bank used to make a payment may charge a fee. Payment Date : XX/XX/XXXX. Payment Amount : {$7200.00}. Bank account ending in : *** [ I have redacted this bank account information. ] I read the above email notification at XXXX ET that same day and immediately called Goldman Sachs to resolve the issue. At XXXX ET ( on XX/XX/XXXX ), I had manually paid the full balance ( {$7200.00} ). The Apple Card app shows that the *automatic* payment was declined on Tuesday, but then immediately shows that the *manual* payment was successfully paid that same day. However, I was charged {$140.00} in interest! I asked the Goldman Sachs representative on XX/XX/XXXX to explain the interest charge, and at first, he didn't even realize that I was being charged interest. I had to repeatedly tell him that I was, indeed, charged an interest fee. Then, when he finally realized I was charged the interest fee, he was unable to explain why it was so high or how it was calculated. He submitted a request to have that interest fee reversed. On XX/XX/XXXX, Goldman Sachs emailed me that the charge would not be reverse. I then called Goldman Sachs again on XX/XX/XXXX, and I spoke to a supervisor ( XXXX ). He was unable to explain how the {$140.00} interest was precisely calculated, other than to give me high-level, generalized comments about APR and DPR. However, he did tell me that even if I make a payment only *ONE* day late, I will be charged 30 days of interest. Specifically, he stated that the credit card charges for the month of XXXX were scheduled to be automatically paid on XX/XX/XXXX ( the default payment date when setting up automatic payments, as I described above ). If the payment is delayed by even 24 hours, I will get charged interest for the entire 30 days of XXXX! This secret interest charge by Goldman Sachs is usury and completely absurd ( especially since their own representatives are unable to explain the exact calculations ).
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I sent money to my husband who is XXXX but has an ITIN number via Apple Cash. I have sent him money before with no issues. Today his account was restricted and had to verify his identity. Upon calling Apple Card support they inform me that he needs to upload a US government issued ID. The state of NC does not issue IDs to undocumented immigrants. They are able to obtain identification via the consulate office. The agent stated they are not able to use that ID and needs to be US government issued. When I questioned this she stated its listed on their terms and conditions and it in fact is. It says in order to create an Apple Cash Account and use the Services, you must : ( i ) be 18 years of age or older and a citizen or lawfully residing in one of the 50 states of the United States and the District of Columbia ( collectively, the U.S. ). Which seems unfair and unreasonable because in order for you to open an apple cash account you have to have a bank account to whom you give your identification information to. I feel like this is discriminatory and an inconvenience for undocumented immigrants who use apple products and spend so much money with Apple. In the end the representative was not able to help us and cancelled the transaction.
Company Response:
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I made the mistake of opening a new Apple Card with Goldman Sachs on XX/XX/23. But it won't process direct XXXX XXXX purchases necessitating hours wasted on the phone and chat with the Goldman Sachs customer service making all kinds or excuses that maybe the XXXX password was changed or there was a glitch with XXXXXXXX XXXX installment payment option to be able to process the purchase. So, I just closed the Apple Card on XX/XX/23 but the nightmare did not end there. I tried multiple times to pay off the entire {$3000.00} balance but the Goldman Sachs system, whether via the web or phone app just refused to let me pay off the entire balance and get over with it. So, another hour spent with Goldman Sachs customer service on the chat and the phone with more excuses that their servers are slow, or my app software is not up to date. Even their customer service agents were unable to process the payment. So here I am blocked by Goldman Sachs to pay off my Apple Card. This is the bank that had even declined XXXX XXXX XXXX XXXX 's credit card application and now I can believe why. I have spent more time with Goldman Sachs customer service on the problems of their own creation than I have with all other credit card companies combined for the decades that I have had credit cards.
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A