Date Received: 2023-08-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Regarding my Apple Card from Goldman Sachs, I have had this card for years and have built up my credit limit. Its my primary credit card. I added my partner to the card as a co-owner years ago. My relationship with my partner is now over and we both agree that she should be removed from the Apple Card. There is no way to do this. The account must be completely closed and if I wish to, I can re-apply for a new card. This creates more than an inconvenience and I argue is an undue burden on the consumer. I am unable to keep the credit I built, I have no guarantee I will receive the same terms when signing back up, and I could even be rejected for a new card, losing my primary line of credit Ive used for years. Closing and re-applying would negatively impact my credit score and would cause me to need to reconfigure recurring payments I make using the card. There is also an attached savings account I would lose that only I can manage ( the account co-owner does not have access ). Given the burden of this process, I should be able to remove the account co-owner without closing the account. In any other realm of finance, a secondary person can be removed from obligation and access - a quitclaim on a house, a title transfer of a vehicle, etc.
Company Response:
State: WA
Zip: 98409
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I transferred {$7000.00} from my external bank checking to Goldman Sachs savings account on XX/XX/23 I later on that day realized that I did not have enough funds in my checking account to cover my monthly bills so I requested the {$7000.00} be transferred back to my external bank account ( XXXX XXXX XXXX ) I patiently waited and for 5 days and no deposit ever showed up. I have been calling every day and been transferred to different departments and spoke to numerous supervisors I spoke at length to a specialist at the dispute team I sent a certified letter with my account number as they requested and they received it XX/XX/23 at XXXX XXXX They have verified my external bank twice with me and my external bank account XXXX XXXX the last time was XX/XX/23 at XXXX pm I spoke to them yesterday XX/XX/23 and the Dispute specialist said it would take 30 to 45 days to resolve. I told her it was not right since I have a large amount of funds already in that account
Company Response:
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
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: In XX/XX/XXXX I reported to the credit card company ( Apple Card c/o Goldman Sachs ) that my card had been compromised and that over 50 charges of {$100.00} and one of {$160.00} and {$320.00} had been assigned to my account. These charges appeared to come from XXXX as they were accompanied by XXXX characters. Apple then credited the fraudulent charges ( as they should have ) and started and investigation. Then for some reason, they credited the amounts again, which resulted in a credit balance of - {$2500.00} which was the result of the second crediting less the amount that I actually owed them of {$310.00}. I sent them a letter dared XX/XX/XXXX ( copy attached - Applecard.pdf ) explaining that they had made a mistake. I never received a reply. I attached a marked up pdf of my XXXX statement ( also being forwarded to you - XXXX ) which outlined the problem. In the last week, I received a series of emails informing me that the dispute had been settled and they were adding the charges to my account as they had been already credited. This should have resulted in a total amount owed of the {$310.00} BUT after paying that amount I find that they are still charging me {$1000.00}. I called them yesterday and was unable to either resolve the problem or even get them to investigate. I sent them another letter this morning and I am also forwarding that letter to you ( XXXX ). It seems illogical to me that they would take off the fraudulent charges TWICE and then replace them and it would result in a total of charges that I did not charge to this card. Please help. I do not wish to pay over {$1000.00} that I have not incurred. Thank you!
Company Response:
State: PA
Zip: 15206
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Ive had several issues with fraudulent transactions tied to my Apple Card. Additionally, the vendors provided information to Goldman Sachs and/or Apple. Goldman Sachs has failed to conduct any sort of investigation. Furthermore, I have submitted XXXX reports and complaints to the Arizona Attorney General. Finally, my credit limit was recently reduced abruptly by XXXX third - without releasing the credits for payments made. I hade over {$5000.00} in credit tied to this card - after recent payments.
Company Response:
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1983 I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$3600.00}. XXXX XXXX XXXX {$2400.00}. XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$850.00}. XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$2700.00}. XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$2800.00}
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: They have called before XXXX. I have asked them to stop previously, but there is no respect for my personal time. Although my cellphone number has a GA area code, my address has always been in AZ and they should have never been confused about calling before XXXX XXXX. This is not okay. I have made arrangements to make a payment yet I am still harassed and not within appropriate hours. So hurtful to my relationship with this company
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am composing this letter to bring to your attention a concerning issue regarding a charge-off that your company has reported on my credit report. The debt referred to above has been discharged and officially written off as an uncollectible debt by your organization, leading to a corresponding tax write-off. According to information I have received from the IRS, it is in violation of the law for you to report this data on my credit report, whether for the purposes of collection or to indicate a charged-off status. This is a breach of FCRA 15 USC 1681 ( e ) ( b ). The information being reported is not entirely accurate. I would like to highlight that I retain the option to submit form 3949-A in response to this situation.
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: When paying Apple credit card bill online, started to receive fraudulent charges and emails. Apple ID compromised. Identity theft now issue, email address also being compromised
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
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: in XXXX of this year, 2023, 4 fraudulent charges were made over a 7 day period against my credit card by the same unauthorized individual, XXXX XXXX, and shipped to his address in XXXX, TX. I live in XXXX, TX. I do not know XXXX XXXX, never shared my credit card information with him, nor in anyway authorized the credit card company, Marcus : by Goldman Sachs, to allow XXXX XXXX to make any charges against my account. Of these 4 charges, the first seller ( XXXX XXXX XXXX ) recognized the charge as fraudulent and returned the funds to my credit card. The second purchase made against my account with XXXX XXXX was acknowledged as a fraudulent charge by Marcus : by Goldman Sachs after we filed a dispute with the credit card company and they refunded the charge to my account. Eight months later the remaining 2 charges made against my account to seller, XXXX XXXX, made by the same Unauthorized User, XXXX XXXX and shipped to his address in XXXX, TX have not yet been recognized as fraudulent charges and we are still being held accountable for the payments.This is totally unreasonable considering the facts that XXXX XXXX XXXX XXXX immediately recognized the charge by XXXX XXXX as fraudulent and refunded our funds and that Marcus : by Goldman Sachs also acknowledged the second charge with seller, XXXX XXXX was fraudulent and refunded our account but refuse to acknowledge the remaining 2 charges to XXXX XXXX made by XXXX XXXX and shipped to XXXX, TX are not fraudulent. Marcus : by Goldman Sachs original investigation appear to be inept, had errors, and did not include some pertinent information. We contacted the seller, XXXX XXXX, and obtain copies of the original sales orders and proof of shipping. These documents indicated that XXXX XXXX was the purchaser of the items in question and that the items were shipped to his address in XXXX, TX. These documents were provided to Marcus : by Goldman Sachs. Our complaint is that as of XX/XX/2023 we have not received an answer for why they are holding us responsible for the remaining two charges made by XXXX XXXX while the other 2 charges WERE determined as fraudulent. My second question is what right Marcus : by Goldman Sachs decided to allow an Unauthorized individual who had no connection with my credit card to make charges against my credit card and ship the resulting products to an alternate address that also had no association with any of my credit card information.
Company Response:
State: TX
Zip: 76087
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have the Apple Card and have been using it for a couple of years now no problem. Recently I went on XXXX in XXXX and my phone was stolen. I took all the steps with erasing my phone and all that. I was even able to use the Apple Card on my other phone for about a week afterwards. Then all of the sudden I went use my Apple Card and it was locked. Mind you this was while I was at the airport and wasnt able to get home. I called Goldman Sachs/Apple Card and they told me it was under review to verify my identity and it should be all set in 24-48 hrs. To date it has been 4 weeks with no end in sight. No reason or explanation given. Just its under review.
Company Response:
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A