Date Received: 2023-10-05
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 signed up for a home warranty on XX/XX/ which ended up being a scam, I replied to a letter sent to my house regarding my XXXX XXXX being expired. I paid monthly in the amount of {$310.00} for a total of {$3700.00}. The company cancelled my contract because I stopped paying because after further investigating the company myself and having difficulty actually utilizing the service ( I called for service and got nothing but automated responses ) and disputed the charges with Goldman Sachs as I used my Apple Card to make the payments. In the brochure I was sent from the conpany ( called XXXX XXXX XXXX ) it states if my account was cancelled by the company for any reason ( such as nonpayment ) I was entitled for a refund. The company refused, and Goldman Sachs also found in their favor, even though when I asked for the information they gathered to come to that conclusion they said the merchant did not respond. The merchant, XXXX XXXX XXXX, used a payment processing company called XXXX, which also would no refund me and said I had to go through the merchant. After Goldman Sachs did not find in my favor I disputed the results and again they found in the merchants favor. I contacted the Georgia consumer protection agency and filed a complaint and only then was I a able to get a refund from the merchant in the form of a mailed check. Goldman Sachs only gave me back 4 of the {$310.00} charges, totaling {$1200.00}, the remaining {$2500.00} was sent by check. Also after calling Goldman Sachs to see how they came to that conclusion I was hung up on twice.
Company Response:
State: GA
Zip: 30533
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The response from the company is not accurate. Apple never contacted me at the phone number provided. The transactions disputed were fraud my phone was compromised and the purchases were made. The disputes were resolved in favor of the merchant that is correct however they went based on that because shows transaction was made and it was. However transaction was not made by me. Despite me contating the merchant they still accused me of lying and made me pay for transactions I did not make. So the company never took a word I said seriously. And on top of everything I have a debt for fraudulent transactions I did not make.
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: On XX/XX/2023. There are XXXX hard credit inquiries to my credit report. I did not apply for those ones and they are fraudulent activities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX have XXXX XXXX it to XXXX. I confirmed with the lender that the card was not approved. But I believe there has been some leakage of my critical personal information.
Company Response:
State: WA
Zip: 98053
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Hello dear, I saw 2 weeks ago that my credit card Apple Card is restricted, they restricted my card and I tried many and many times everyday to solve this issue and never happened, they said my account is under review and no estimate time to get it back, I tried like 20 times sending complaints and expedited that and never get any results, I told them I need to use my card and they said you have to wait for complete the review, but they never finished that XXXX XXXX
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On Wednesday XX/XX/2023 at approximately XXXX Arizona time I chatted through my Apple Card Wallet App on my XXXX ( there is a chat feature there ) to " XXXX XXXX and politely explained that I want to close my Apple Card aka Goldman Sachs credit card and want confirmation sent to me. I previously asked them to lower my rate on numerous occasions and they repeatedly and abruptly refused. In addition, to earn the " cash rewards '' called " XXXX XXXX '' they require you to open up a separate account to actually get the rewards, instead of just mailing you a check or transferring it to your own bank account. But mostly I just wanted to close my account and be done with the XXXX Credit Card and Goldman Sachs. After several minutes of chatting and sharing all of this information, XXXX said he is unable to close my account and needs to transfer me to a supervisor. I feel Apple Card and Goldman Sachs purposely make it difficult for consumers to close their accounts so they can figure out a way to continue to charge interest and fees to them. They also make it difficult to remove the Apple Card from various accounts including XXXX : I have tried deleting my Apple Card from the XXXX app without any success. On top of that, I feel they are doing a " bait and switch '' by not allowing customers to access the " 3 % cash rewards '' they promise you when you use their card. Mostly I just want this account closed " at consumer 's request '' so it reflects correctly on my credit card. I do not want to be sold why I need to keep my Apple Card aka Goldman Sachs card and be coerced into paying almost 30 % interest. This company should not be allowed to do credit card business in the state of Arizona or anywhere in the United States. I know Goldman Sachs is a rich huge company but their behavior should be illegal. Thank you.
Company Response:
State: AZ
Zip: 85023
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: 2023-10-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I havent acquired service from this company, I was XXXX at the time this account was opened.
Company Response:
State: MI
Zip: 48506
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company has reported me to credit report agencies without the written and/or verbal consent of myself. This is a violation of : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions in accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Company Response:
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with cash advance
Subissue:
Consumer Complaint: XXXX XXXX XXXX put in a loan to Greensky where they had Greensky automatically send loan money to them without my permission and without me signing off on a job that was never completed. I took out a resolution with the company where I was given a resolution case number and told they would talk with both parties and get a resolution. I was then never contacted so called Greensky using my resolution case number was told they were talking to XXXX and would get back to me. Then my account was put on hold with a XXXX payment. Then two months later they I check my account to see the payments have already started back despite never beening told anything. I see they have a XXXX dollar interest charge on top of this. I call Greensky to see what the resolution was when they inform me they talk to XXXX and they had finished the job when XXXX had not even called or came to my home.
Company Response:
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX XXXX XXXX I paid Apple/goldman {$2200.00}. They are refusing to credit the account until XX/XX/XXXX. 13 days. When I contacted them they said it was on a hold as part of their customer agreement. When I asked where in the customer agreement they refused to answer. When I looked at the customer agreement it doesnt mention anywhere about a security hold. When I asked for them to return my funds to my checking account they refused. I was escalated to a supervisor who again refused to release my funds for 13 days. When I researched this issue it is a common complaint online. So I call the support number- they tell me my ( large ) payment from XX/XX/29 is on hold. I ask why and they say, well payments can be held because they are large, or made on the weekend, or around the holidays, and unfortunately it wont clear until the XXXX!!! XXXX XXXX XXXXXXXX Apple/goldman one of the wealthiest companies in the world are holding on to the funds of multiple customers far surpassing the industry standard.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
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 made a purchase on XX/XX/XXXX online order # XXXX from XXXX using my card from XXXX - XXXX sacks- XXXX I received a confirmation order date XX/XX/XXXX XXXX received a second email after few day showing that product was delivered on XX/XX/XXXX ( 2 days after I ordered ) and a XXXX tracking XXXX XXXX because I didnt receive the product I have to check XXXX website and add this tracking numb which per tracking history showed Label Created XX/XX/XXXX XXXX AM - XXXX first I made the purchase in XX/XX/XXXX how come the created the label two days prior! How did they know that I wanted to order? Second the picture attached in the tracking on XXXX and proof of delivery didnt match our townhomes exterior which u can goodbye and it s obvious not the same as the picture third I called XXXX to check if my address was the final destination of this tracking and they confirmed that my address is not on this delivery - XXXX I emailed the merchant in XXXX to request a proper tracking cause the one provided is not right and because Goldman sacks has rejected all the proof I provided and said merchant provided tracking they ignored all proof of scam - so merchant response : XXXX, XXXX you for contacting us back. We would like to inform you that we've not received the tracking list yet from the courier company that is why we've not provided it to you. As we've shipped the bunch of orders this time that is why it is taking some time to prepare a tracking list by the courier company. Please do not worry, your order is on its way to you. Thank you so much for your patience and understanding. And I re opened the claim again and gave Goldman sack all evidence of scam- they again after few weeks responded : Your Apple Card transaction dispute investigation is complete and the merchant charge ( s ) will remain on your account. Goldman Sachs Bank USA has re-investigated your transaction dispute and found that no billing error occurred for the following reason : We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim Dispute case number : XXXX Transaction date : XXXX XXXX, XXXX Merchant name : SP My Disputed amount : {$59.00} Amount to be rebilled : {$59.00}
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A