Date Received: 2023-09-24
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 opened the dispute XX/XX/XXXX for the second time for the below amount. Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX XXXX XXXX XXXX : {$1600.00} Temporary credit : {$1600.00} I provided several emails with proof of why the amount needs to be returned to me. I provided my proof on several dates- I emailed the company on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I called several times and texted the credit cards help desk. XX/XX/XXXX - I was unable to reach anyone in the dispute department. XX/XX/XXXX XX/XX/XXXX I also disputed the amount below for the same reasons above. The credit card company has not resolved this in a timely manner. They applied the disputed interest and credit to my balance until the issue is resolved but I am unable to use the applied credit. Its discrimination. Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX XXXX XXXX XXXX : {$1400.00} Temporary credit : {$1400.00} Apple support at Goldman Sachs has XXXX to resolve either dispute in a timely manner. I provided several emails of proof tans evidence to support my case.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I tried checking my account the date of XX/XX/ to realize the company had locked my account and I needed to call to get it resolved. I had about {$5300.00} and since it was being saved for my XXXX XXXX I was upset and worried about what would happen to that money. I called that same day XXXX and was told that my account was closed for reasons they could not explain to me and was told that I would receive a letter explaining why in about 7-10 business days. I asked about the funds that were in my account and how I would be able to get it back, representative told me I would get a check around 7-10 business days as well. It has been past that time frame I am extremely disappointed due to the fact that there was no communication whatsoever and I only had this account open for about a month until it was closed for no reason.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: goldman sachs are maxed out of themselves and can not offer a XXXX a line of credit.
Company Response:
State: NJ
Zip: 08055
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I had some issues about 3 weeks ago where transactions were declined. When I asked Goldman Sacks/Apple , they couldn't or wouldn't tell me what was happening. Eventually the card started working again. 2 days ago I looked at my Apple Wallet and noticed the card was locked. I opened in inquiry into why but they wouldn't tell me anything. I did notice that the card was working for a few subscriptions but that was all. I tried to add the card to a new phone and I can't add it. I asked for a status again and they won't tell me anything.
Company Response:
State: CO
Zip: 80219
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: We had 3 savings/investment account that were subject to fraud. On XX/XX/XXXX and XX/XX/2023, someone withdrew around {$5000.00} from our savings accounts, closed our CD account with around {$10000.00} attempting to withdraw those funds as well, and we had an additional investment account with {$5000.00} in bonds. We reported the {$5000.00} funneled out of our account, and theyre currently investigating. The account was flagged for fraud before they were able to withdraw the {$10000.00} from the CD account however, the investment account with {$5000.00} the Bank ( Goldman Sachs ) says theyre not seeing it. We have attempted 5 different days, multiple calls, and they say theyre not seeing this account. In addition to this, we reported that {$6400.00} was transferred from our main checking account to a Goldman Sachs account under my name however, theyre not seeing those {$6400.00} as well.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I signed up for an Apple Card ( issued by Goldman Sachs ) for the sole purpose of its advertised use- to buy apple products with 0 % financing for 24 months, with the option to trade in an XXXX after 12 payments with the value of the phone being deducted off the purchase price. This worked well, and I was planning to upgrade to a new model. However, Apple and Goldman Sachs changed their terms, materially, earlier this year, while still advertising the product as it was originally conceived. The new terms require a cell phone plan with only a choice of the largest 3 carriers in the US. Apple says you do not need to keep it on that plan, but one is required for purchase, using the monthly installments. This leaves people like me who were relying on Apple to keep their promise in a situation where a new phone can only be purchased with a big 3 carrier plan, whereas before, it could be purchased " on any carrier '' - which is still the case, but not with the monthly installments, which was 90 % the reason for me getting the card. This anticompetitive behavior hurts consumers who do not want to pay extremely high fees for a " big 3 '' carrier plan. It also means consumers that relied on this are stuck with a device that will be depreciating in value until the term of the payments is complete, or who take a huge loss.
Company Response:
State: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Someone opened a credit card using my identity back in XX/XX/2023. The card was for XXXX XXXX and issued by General Motors. I filed a dispute online with all 3 credit bureaus back in XXXX once I saw the fraudulent account. After they investigated, they reflected the card was closed by grantor. Now, they my credit score is tanking because they're reporting that I'm 60 days late on payment for it! I did not initiate application for that card whatsoever! How can my credit be ruined by a closed account that wasn't mine in the first place?! My scores were in the low XXXX 's! Now their in the XXXX 's! Please look into this as it's killing my excellent credit. I'm XXXX XXXX XXXX and have excellent credit. I want the bureaus to restore my reports to what they were prior to the reporting of that fraudulent account. Thank you kindly.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Received notification that my credit score was lowered because Apple Credit Card reduced my limit from XXXX XXXX XXXX XXXX. Called Apple Credit Card and they stated they decreased my credt limit due to low spending. I cancelled card. I want my credit score corrected. I have never missed a payment and this is wrong that I get my limit reduced for not spending enough. I had this card as an emergency card and made monthly charges to it to keep it active.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: Ive been trying to get this issue resolved for a while. The incident was previously given the number XXXX XXXX XXXX XXXX XXXX The XXXX system was hacked and the banking information was changed to a personal account with Marcus at Goldman Sachs. I have contacted Marcus at Goldman Sachs and I spoke to a representative that said the person the payments were transferred to is XXXX XXXX, Bank Routing number, XXXX, Account number ending in XXXX. The full account number can be given if needed. I have not received any additional updates from Marcus at Goldman Sachs about fixing the fraudulent transfers and correcting the error. Below are the payments that I did not receive from nightly transfers from our POS system : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
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: Key dates and developments XX/XX/XXXX : {$1500.00} charge on Apple Credit card for XXXX course agreement ( see XXXX XXXX attachment ) XX/XX/XXXX XX/XX/XXXX : trial period for course during which full refund given if cancelled at XXXX XXXX XX/XX/XXXX : refund form filled at XXXX XXXX ( see XXXX Cancellation XXXX XXXX ) XX/XX/XXXX : dispute initiated with Apple Card Customer Care at Goldman Sachs for {$1500.00} transaction and amount provisionally credited back to Apple Card ( see Apple Card Dispute XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX : email from Apple Card Customer Care at Goldman Sachs informing me that merchants response to my dispute is being reviewed ( see Apple Card Dispute XX/XX/XXXX XXXX ) XX/XX/XXXX : email from Apple Card Customer Care at Goldman Sachs for more information to support the disputed transaction ( see Apple Card Dispute XXXX XXXX attachment ) XX/XX/XXXX : email sent to Apple Card Customer Care at Goldman Sachs with the supporting documentation ( see Response to Apple Card Dispute XXXX XXXX attachment ) XX/XX/XXXX : email from Apple Card Customer Care at Goldman Sachs that investigation is complete and merchant charges will remain on my account ( see Apple Card Dispute XX/XX/XXXX XXXX attachment ) XX/XX/XXXX : called Apple Card Customer Care at Goldman Sachs at XXXX to dispute their decision but did not get a convincing response During the summer of XXXX when my wife was in XXXX, she enrolled my son in a 3-year educational course for {$1500.00} ( equivalent to XXXX XXXX at the prevailing exchange rate on that day ) at XXXX in XXXX on XX/XX/XXXX. She used the Apple Card from Goldman Sachs for this transaction. She was told that the course trial period would start on XX/XX/XXXX for a period of 15 days during which she could cancel the enrollment and receive a full refund ( see XXXX Agreement.pdf attachment ) if she did not find the course worth the investment. During the trial period my wife realized that she was given misleading information regarding number of online and in-person classes when she signed up for the course on XX/XX/XXXX. Subsequently, she submitted a Fee Refund form at the local XXXX center ( see XXXX XXXX XXXX ) and was told to wait for 14 days for refund processing. She came back to the XXXX on XX/XX/XXXX and by XX/XX/XXXX when we didnt see a refund on our credit card, I filed a dispute with the Apple Card Customer Care at Goldman Sachs and {$1500.00} amount was provisionally credited to my account ( see Apple Card Dispute XX/XX/XXXX Email.pdf attachment ). I was told that Apple Card Customer Care at Goldman Sachs would follow up with the vendor ( XXXX ) and get back to me. No other information or documentation was requested by the Apple Card Customer Care at Goldman Sachs On XX/XX/XXXX I received an email from Apple Card Customer Care at Goldman Sachs that they were reviewing the merchant response and that no additional action was required from me at this time ( see Apple Card Dispute XX/XX/XXXX XXXX ) On XX/XX/XXXX I received an email from Apple Card Customer Care at Goldman Sachs to provide any correspondence with the merchant such as emails or letters that would help support my case for disputing the charge ( see Apple Card Dispute XXXX XXXX attachment ). I sent a response to the email on XX/XX/XXXX ( see Response to Apple Card Dispute XXXX XXXX attachment ) and the text of the email is pasted below === Hello Apple Card Support Team, Attached are the two documents - one for the XXXX contract and the other for the cancellation. The dates are in DD/MM/YY format and the amount is charged by XXXX subsidiary Think and Learn Private Limited. In the XXXX contract document on the first page which was signed on XX/XX/XXXX ( XX/XX/XXXX ), it clearly states that the customer is entitled for a full refund if the contract is cancelled by XX/XX/XXXX ( XX/XX/XXXX ) at the center. The cancellation form that was filled and submitted at the center has a date of XX/XX/XXXX ( XX/XX/XXXX ). The amount charged is XXXX XXXX XXXX that is equivalent to {$1500.00} based on the exchange rate on that day. Please let me know if there is any additional information needed to refund the amount. XXXX customer service has been terrible and they have not initiated any refunds even after contacting them several times. Thanks, XXXX XXXX === On XX/XX/XXXX I saw that the {$1500.00} charge ( that was provisionally removed on XX/XX/XXXX ) was added back. An email from the Apple Card Customer Care at Goldman Sachs contained the following statement The evidence we received shows that you did not cancel your purchase prior to the processing date. There was no documentation attached with the email ( see Apple Card Dispute XX/XX/XXXX XXXX attachment ) When I called the customer support team at XXXX in the afternoon on XX/XX/XXXX to inquire more about the decision for taking a decision in support of the vendor and thereby denying the refund, I was not given any new information. They told me that they received documentation from the vendor but did not provide any dates or details. I reiterated the content I sent in the email and told them the vendor had still not reached out to me after repeated inquiries for the refund. I was on the call with the Apple Card Customer Care at Goldman Sachs for almost an hour and escalated it to the next level but did not get a convincing answer for why the charge was added back to my account when I provided compelling supporting evidence. As a customer, I am at a loss if the credit card company decides to side with the vendor when there is evidence that I followed all the procedures to receive a full refund. Please help with this matter so that I am able to get refund for the {$1500.00} charge on my Apple Card Thanks, XXXX
Company Response:
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A