Date Received: 2023-10-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The company APPLE CARDGS BANK has obtained my consumer report on XX/XX/2022, XX/XX/2022 and XX/XX/2022 without my knowledge or consent. I have not given written or verbal consent to APPLE CARDGS BANK to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.
Company Response:
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I called Goldman Sachs apple card customer service a day before i made a payment via check to ask which address i could send an overnight XXXX payment and they assured me that it was the one they have on their website. At no point they said that they would not accept a XXXX delivery. They payment went out and sent back by XXXX because they could not deliver it to a po box . I called them and said that they were sorry that i was misinformed and taht i should send it via XXXX. I asked for them to refund me the charge and they said that they could not. I sent the payment via usps and they received it on XX/XX/23 at XXXX and the payment was not posted as a manual transaction until Tuesday XX/XX/23 at XXXX. I called today XX/XX/23 at around XXXX and asked why the payment has not been applied to my available balance and they claim that the payment i mailed was placed on hold until XX/XX/23 and that they had no explanation. I asked for a better clarification and they said they had none. I filled a claim with them. They are holding payments that are mailed in for more than 10 business days and that should not be the case when they have delayed the receipt and application of such payment. This will reflect longer on my credit report as a line with an outstanding balance when it is not accurate.
Company Response:
State: MA
Zip: 01108
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 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 Goldman Sachs Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to request a 1099-C form and to update the status of the charged-off account associated with the following information : Creditor 's Name : Apple Card/GS Bank USA XXXX XXXX XXXX XXXX I understand that the debt associated with this account has been charged off, and I am aware of the tax implications of receiving a 1099-C form. As required by the Internal Revenue Service ( IRS ) regulations, creditors are obligated to send this form to taxpayers when a debt of {$600.00} or more is canceled or forgiven. I kindly request that you provide me with a copy of the 1099-C form for this account as soon as possible. If there is any additional information or documentation required from my end to process this request, please do not hesitate to inform me promptly. In addition to the above request, I am also writing to inform you that this account is still reporting as open on my XXXX credit report, with a credit usage of 285 %. I have attached a copy of my XXXX credit report for your reference. I understand that the account has been charged off, and I am no longer able to use it. However, the fact that it is still reporting as open with a high credit usage is damaging my credit score. I am requesting that you please update the status of this account on my credit report to reflect that it has been charged off. This will help to improve my credit score and make it easier for me to qualify for loans and other forms of credit in the future. Thank you for your time and attention to this matter. I look forward to receiving the 1099-C form and to having the status of this account updated on my credit report. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX Credit Report
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Im writing this letter to apple card support to get this situation squared away once and for all I have three open disputes going with apple card support at this time one is for dispute number XXXX XXXX from XXXX another one for $ from Home Depot dispute number XXXX XXXX and another one from {$170.00} from XXXX dispute number XXXX XXXX XXXXXXXX I have been going round and round with apple card support to try to get these disputes resolved with no luck I keep talking to different people and getting different answers from every person that they bounced me to. XXXX keeps telling me that that I was refunded for the {$240.00} the XXXX and the XXXX when I look at all my statements going back to XXXX I was never given any kind of credit for those three transitions but yet apple card keeps telling me that the merchant gave me a credit and thats why they were moving the provisional credit that they gave me I have sent documentation showing that none of these tranzations was ever credited back to my account Ive gotten all my statements from XXXX all the way to the present its showing that nothing was ever credited at nowhere there doesnt it say credits for for {$240.00} one XXXX or $ now as far as this {$180.00} thats in question from Home Depot the issue was I placed an order back on XX/XX/XXXX form Home Depot they unfortunately Home Depot took the money out but then some of the items werent available they cancelled my order I had to go and I had to reorder the items and they double charged my card but they never refunded the {$180.00} Home Depot said that they canceled the order and they refunded it but they never did and I sent documentation over showing that .Ive uploaded since documents several times via e-mail and a couple of times on the apple card app itself to send this documentation over and havent heard anything back so Im I sending them in the mail. the complete statements that I have starting from XXXX of XXXX to the present unfortunately apple card chose to terminate my card on XX/XX/XXXX so I have not been able to use this card at all to make any purchases and the following credits are not there they do not show up at apple keeps saying the reason theyre denying my dispute is because I receive credit which I did not when I talked to somebody back on XX/XX/XXXX the person I spoke with then said that they were gon na have somebody give you a call back which nobody ever did because they said that I had won these disputes but they had never put the credit back on the account so I need to get this situation understand if theres a card plus balance then how do I get the money from apple since my account is closed regardless because I won one of the disputes of {$290.00} I did win that my apple card i re openrd up these dispuites a couple of days ago. You keep.asking for the same information i keep giving it to you.
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Didn't provide services promised
Subissue:
Consumer Complaint: I only used the Apple credit card for one company XXXX XXXX This company turned out to be a scam. They did not deliver the product because it was a scam. XXXX guarnteed me that I would be secured in this purchase incase this XXXX was a scam. I have paid a full balance of {$1600.00} as of XX/XX/2023 to {$0.00} balance. I disputed the charges because the XXXX company did not fullfill the delivery of the services. Which included XXXXTop page of XXXX Search, XXXX/ Advertisment/ and lifetime serivces. On Wednesday Apple Card team at Goldman Sachs, sided with the merchant. They completed an investigation, and contintue to send me bills for this card. In which I paid the balance {$0.00} and cancled the card with the merchant with no futher balances due. I requested
Company Response:
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
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 usually pay my bills and dont really read through them. I admit it took months for me to notice the charges. My husband passed and I was just paying bills and didnt take the time to read through anything. A company called XXXX XXXX got into what I think was my XXXX ( which is no longer used ) but it was linked to all my accounts causing a total nightmare. One of them being my Apple Card. I originally disputed the charges ( over XXXX $ ) and they were charged back almost three months later. I asked why they didnt ask for other info or anything. They just say they dont have to. The charges were redisputed and are still pending. I have sent the screen shots from my bank exc. where there was also fraud but they have completely frozen my card. Added all the charges back, are charging interest on them and still having me pay every month even though I am unable to Use my card. I have inquired as to what else they need multiple times and was told they have everything. They also keep reporting to credit agencies that I am over my limit. Im not over it even with the extra charges on there. Ive spent hours trying to resolve this with them and do not seem to be able to get any resolution. I know this violates the credit act. I keep paying bc I dont want them to damage my credit further. I dont know what else to do.
Company Response:
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
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 discovered a fraudulent purchase on my Apple/Goldman Sachs credit card that was made overnight while I was sleeping. I immediately checked my Apple ID and subscriptions to confirm that nothing was charged overnight that should have been charged. After some quick research, I verified that the transaction was fraudulent and I requested an Apple Card/Goldman Sachs customer service representative to help me remove the charge. Apple Card/Goldman Sachs provides two methods to contact customer service - a phone number, where customers languish on hold for more than XXXX hour, and a chat service through the XXXX service. Customer service representatives can not be contacted through either method, and it is clear that the system is designed to prevent customers from being able to speak with representatives. I opened a chat to share XXXX screenshots with customer service to show that the charge on my credit card did not originate from my XXXX account. These XXXX screenshots are attached to this complaint. I sat on the customer support chat for three-plus hours and I received no response from Apple/Goldman Sachs . I also tried to call the phone number for support and have yet to be able to reach anyone. Meanwhile, I will be charged interest for this fraudulent purchase, which is something that I believe Apple Card/Goldman Sachs has done previously because it takes them so long to remove charges from accounts. I do want to point out that this is a frequent pattern for Apple/Goldman Sachs . My card information has been stolen several times, despite the numbers allegedly changing every XXXX days, and every time I have to report fraud, it is a taxing and exhausting experience. It should not be this difficult to remove a fraudulent purchase from a credit card account.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I reached out to Goldman Sachs/Apple Credit Card . First of all, no one was available to get on the phone. I had to go back and forth by chat which was quite ridiculous. Second, I paid my card on time on XX/XX/XXXX. Which was a Saturday. They did not record the payment until XX/XX/XXXX, which is a Sunday. I was charged interest and penalties in the amount of {$38.00}. They then claimed that I had to pay my card off in full ( including amounts that were not even due yet ), otherwise they would charge me interest on the entire balance. When I reached out to a supervisor, they explained that they could not credit my account and had to escalate this to senior management. Included is the message, I received : I completely understand and in order to be credited there is a review by our management team that is required beforehand. I understand and would love to provide you the information needed : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Associated the below details will be needed as well : Full name Email address associated with the account Full card number Account number Dollar amount of the suspected error ( if applicable ) Description of the problem Explanation of why the suspected error occurred I recognize that this is not the immediate resolution that you may be looking for, but I did want to provide you with all the information available.
Company Response:
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
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: Amount : {$310.00} Date of charge : XX/XX/23. They said that they would look into the matter, then send a reversal of the amount, only to add that amount to my card few days later, which affected my credit score.
Company Response:
State: CT
Zip: 06606
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A