Date Received: 2023-09-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On Tue XX/XX/XXXX I noticed a charge and filed a dispute with my credit card company for a charge of {$650.00} on XX/XX/2023 at XXXXXXXX XXXX made without my permission. On XX/XX/XXXX I recieved notice my dispute had been denied as their had been no " evidence to substantiate my claim ''. At XXXXXXXX XXXX I then moved to get further information on to what information was used to determine this dispute. I received a copy of the same email with the outcome of the dispute with no further information. I then requested further information from the associate at XXXX citing the policy of the company stating to the representative `You have the right to see the information we gathered to make this decision. To request a copy, please contact an Apple Card Specialist. I am requesting a copy " The associate then replied : " I see that we don't have a merchant response that we can resend to you. Do you wish to reassert the dispute? '' And at that point I reopened the dispute further adding clarity that the transaction was not made by me and I did not recieve the goods and services nor did I pick up the goods requested. On XX/XX/XXXX I then received notice that my dispute had been denied and requested further information of the decision. I recieved no information even after this point. I then requested another appeal with further information regarding the goods not being received. On XX/XX/XXXX I then received another notice that my dispute had been denied and then requested further information regarding the decision again not receiving any furhter information.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someonemade a purchase on my account without my consent i had also created a police report for this incident chargeback XXXX date : XX/XX/2021 Merchant name : XXXX XXXX Disputed amount : {$2200.00}. I have a police report I attempted to submit it last time and then was told that there was no additional evidence provided so I would like to have a follow up call and get a personal email that I can personally send the email to and they can personally verify that they have received the evidence while on the phone with me and resolve this issue. I have filed a police report as well on this matter
Company Response:
State: PA
Zip: 18062
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
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 thought I was talking to an Apple Pay support person, she identified herself as XXXX XXXX, Apple employee # XXXX. My Apple Pay was suspended and I waned to know why. She told me my XXXX was compromised and instructed me to go to XXXX and do a gift card ( a few times ) and she used XXXX XXXX XXXX XXXX, zip XXXX, code XXXX. She assured me these would be voided. Then she asked me to download XXXX, using the same XXXX and she kept telling me not to worry all would be voided. She had me XXXX money to my daughter XXXX XXXX and have her send it back. She waned me to go to XXXX and get a XXXX. That's when my daughter came to the house I'm still under the impression this person is Apple support. She continued doing these gift cards with. my daughter. Finally at XXXX XXXX we decided I was being scammed. So we called the police and reported it. And I have a police report. I'm still not believing how stupid I was. But I have worked with Apple support with other problems and they have always been wonderful. But during all this she texted because I lost the call. Sent all the info certified mail to Goldman Sachs and have not heard anything back from them. I have talked to numerous Apple Pay support employees to no avail and they would transfer me to an Apple Support person at Goldman Sachs. The charges have been disputed several times and they want me to pay {$600.00}. All charges that were done by XXXX XXXX in the month of XXXX and her assuring me these were all great. I have not used the Apple Pay card since. The certified mail with copies of everything were sent to Goldman Sachs and signed for by XXXX XXXX. I am enclosing a text message from XXXX when I lost the connection XXXX XXXX XXXX. XXXX has reversed charges and closed account. XXXX said there wasn't anything they could do because the XXXX gift cards were already sent to No first or last name to XXXX XXXX XXXX, XXXX GA XXXX as the XXXX gifts cards also. I have closed out my checking account and opened a new one. Also clo.sed out XXXX card account and got a new one ( it was attached to my Apple Pay account ). I may have forgotten pieces of all this. But my memory isn't as good as it used to be. Please help me. Thanks for reading
Company Response:
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Apple Card overcharged for a transaction 11 months ago. I dont have the voucher unfortunately, but I signed a voucher for {$50.00}. Apple Card charged me fraudulently {$190.00} The card is asking for evidence when I said I dont have the voucher. I also asked for the copy of the voucher for {$190.00} to Apple Card This card is charging for something that does not exist. They do not have evidence either. Restaurant XXXX did not provide me with a copy of the voucher. It was a mistake of the restaurant ( we split the bill ) Or, a mistake from Apple Card. I DID NOT sign a voucher for {$190.00}. It is a way for stealing money from customers. Other credit cards act on behalf of their customers. I dont accept this charge of {$140.00}.
Company Response:
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
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 purchased a laptop at an Apple Store on XX/XX/2023. The total cost of this purchase was {$4200.00}. I chose to finance the card using an Apple Card which I opened at the time. On XX/XX/2023 I was charged for the above amount. However, when I reviewed the billing statement for the card, the total amount due was {$4600.00}. It seems in addition to the cost above I was charged an additional amount of {$360.00}. I called Apple Card to clarify why I was charged this amount, and they were unable to tell me why. They recommended calling Apple directly, which I did. They were also unable to tell me why I was charge the {$360.00} amount. My receipt does not list this purchase amount.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I transferred XXXX to Marcus bank 10 months CD account. One day they restricted my online access. I called them several times. They wanted me to fill up the form for affidavit of identity in order to give my access back. It took them 2-3 weeks just to mail out the form to my address. I was not in the country when my form arrived so I called them several times just to make sure I can do the notary at embassy overseas or online. The answer was yes. I did the Texas online notary and mailed the form back to them. About 1-2 weeks after, I received an email saying my CD account was closed. I called them back asking where my money went. They put me on hold for 30 mins just to tell me to call back again in 3 days. Then I called back, the call lasted almost an hour, still have no definite answer. The specialist told me that looked like the previous agent I talked to couple days ago was trying to reopen an account for me and put my fund back and they are working on it. I asked him if they can just mail the funds back as a check to my address cuz Im done dealing with them. He said he couldnt because theres no money in my account to transfer out that I need to wait til the account was reopen and funds moved back in order to transfer out.and he wanted me to call back in 3 days. So I called back then they couldnt even tell me where my money is now. She even told me that she couldnt discuss with me any further because my affidavit of identity was not complete!!! I literally just went off on the phone with her, its been ridiculous. She said the stamp is not legit and its not in person signature. I told her the online notary is legit and certified. She said I have to redo the form and she refused to talk to me further. I told her Ill not be in the country for another half a year. And I dont see why the certified online notary is not legit at their bank. And i literally just wanted to know where my funds in the account went since they closed it. I feel I just lost XXXX at their bank its ridiculous I dont know what to do
Company Response:
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My Apple Card account was restricted on XX/XX/XXXX with no explanation. I contacted Apple Card support and was told there was an investigation on my account that would require 5-7 days to complete. On XX/XX/XXXX, I received an email that my Apple Card was closed because " There was a failure to comply with the terms of the Customer Agreement ''. I contacted Apple Card support to inquire about what term I did not comply with but was told they could not reveal that information. They also told me I could not reapply for the card.
Company Response:
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I AM NOT LIABLE FOR THIS DEBT WITH APPLE CARD/GS BANK USA XXXX I DO NOT HAVE A CONTRACT WITH APPLE CARD/GS BANK USA , THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.
Company Response:
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Applied for Apple Card XXXX Goldman Sachs denied card on basis of late payments on XXXX credit report. I downloaded credit report and there are no late payments in the report.
Company Response:
State: IN
Zip: 47130
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: on XX/XX/2023 I was driving, and I got a ride request through XXXX. once I reached to the pickup spot two person, I picked up they rob my phone and run away the phone was unlocked. In phone my all kind of information was there. Using my identity, they open credit card on my name and used money and also transferred money through XXXX and send. money by apple XXXX and parched item using my credit card from my phone in XXXX XXXX XXXX XXXX.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A