Date Received: 2023-08-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On Wednesday, XX/XX/XXXX, I contacted Apple Support after receiving a message that my account had been " restricted '' and I was unable to make purchases. After speaking with customer service, I updated my password, and I was asked to confirm a transaction I made. I confirmed the purchase - a SIM card from XXXX, so I can use my phone while traveling this month in the XXXX. They told me I would need to confirm a verification code sent to my device. I did not receive the code, and I told them this was probably because I had changed SIMs and can not receive calls or texts to my primary number since I am abroad. I was connected to another supervisor who said they would help me get the restriction lifted. I explained the situation, but yet again, the rep asked for me to provide a verification code that I can not receive. I was then connected to yet another " Specialist, '' who transferred me to another " Specialist. '' I explained the situation yet again, and was told that another " Specialist '' would reach out but that they did not have a timeframe on when I would be contacted. At this point, the " restricted account '' was changed to a " locked account. '' On XX/XX/XXXX, I contacted Apple customer service again and was connected to a " Specialist '' who reiterated that they could not provide a timeframe for the account 's review and apologized for the inconvenience. I lodged a complaint which the " Specialist '' filed on my behalf. On XX/XX/XXXX, I reached out to Apple customer service again because I received my paycheck and realized that I was unable to make card payments using the app due to my account being " locked. '' I was told that my account will continue to accrue interest despite it being locked. The specialist said I can still make payments via the phone, but I explained for the millionth time that I am out of the country and I am unable to make calls from my primary number. The specialist apologized and told me they would try to find a way to get " everything worked out for me. '' Then, without a further reply, I was transferred to ANOTHER specialist. I explained the saga again. I was told yet again that they could not provide a date or timeframe for my account 's review. I told them that I would be filing a complaint with CFPB and warning anyone against opening an Apple Card account. They made note of the complaint and my XXXX number. I have heard nothing since this final communication, and my account and card remain locked. I can not use my card or make payments on my current balance.
Company Response:
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Throughout the end of last year and this year there has been many purchases made not authorized by me what so ever. This has me very frustrated as it has grown up to around {$4500.00}. Around 1-3 months back I filed many disputes with the credit card company ( Apple Card ) which is run by the Goldman Sachs bank XXXX I waited for over 2 months on the disputes and all of them seemed to be cancelled for whatever reason. I am deeply sad and mad on why this had to happen with me. Through many calls and such they said they would help but roughly just spun all the payments back to me. Please whatever you can do fix the debt that has been made on these unauthorized transactions and fix whatever damage this may have caused from these purchases and payments made and thank you.
Company Response:
State: NY
Zip: 10010
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
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: Opened the dispute of {$240.00} and Marcus credit card did not credited me the money, they just got the paperwork from XXXX which states that I paid for all other reservations, so I should pay for this one too, which doesn't make any sense, and Marcus 's credit card without applying any brains, just listen to them and debited back the money from my Credit card account. just received the paperwork today from Marcus credit card, please see attached
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/2023 I put {$20000.00} from my XXXX XXXX XXXX business account into the Marcus by Goldman Sachs CD. XX/XX/2023 they emailed me to say the account had been closed but did not give a reason. I received a phone call around that same date to say the money would be refunded to my banking account within 3-5 business days and they would not pay me accrued interest. I have called once per week since then letting them know I have not received the money and they keep telling me it will be in my account in 1-3 business days. None of the money has been returned. What it feels like is I've been robbed of {$20000.00}. Please help!
Company Response:
State: CA
Zip: 94010
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello I have had an apple card for close to 1 years now, recently someone tried accessing my apple ID, and tried to reset the password, I was diligent enough to stop them accessing my account but they called apple used my information and requested that my card account be closed on XX/XX/2023, they also reported charges I made for a video game I play online through a client called Steam, I contacted apple fraud and told them multiple times that someone tried accessing my account while I was talking to them I notified apple if anyone is trying to change my information it was not me. the next day before I leave work as I go to use my card to get an XXXX XXXX, noticed my card account was closed, I stayed up till XXXX on the phone with apple card services, and they keep telling me that I called earlier and requested that my account be closed, I said that's impossible I was at work from XXXX I had no way of contacting them, I contacted fraud and they said they will look into it, fast forward a week later and I'm talking to fraud and the said that I called verified my information and closed my account, which couldn't be further from the truth I asked if there was a way I could further verify who I was aka birth certificate, social security card or bank statements, files that only I could have access too, and they kept saying there was nothing I could do and I would have to re apply to get my account back, obviously very upset about what was happening, I put a freeze on my credit reports and put out a fraud warning across all accounts, then the next day I noticed some strange activity on my capital XXXX account, someone called pretending to be me and changed the card number on XXXX of my credit cards, Immediately called XXXX XXXX back and let them know I didn't call them to change my card number asked them to heighten security around my account because I just issued a freeze, I have an Experian account with fraud detection, and have just signed up for XXXX 's XXXX which XXXX signed XXXX the freezes with ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX alert, utilities security, payday loan lock ) I signed up for multiples freezes because I am scared of who has my information, I believe with apple card services was not being helpful at all, and I'm at risk of my credit hurting because of this, and its not my fault. though my XXXX account I'm notified of when my information is on the dark web and I have gotten notification recently that my email and password was out there as well
Company Response:
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX To whom this may concern, this is regarding accountant XXXX. My billing dispute is for past current and future certificates of indebtedness while under this contract. XXXX XXXX XXXX reported 3 late payments for the month of XXXX, XXXX, and XXXX A creditor may not treat a payment on a credit card acc under an open etiquette. Consumer credit plane late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement includes the nonpublic information that was furnished. Should have been mailed and delivered to the consumer not XXXX before the due date. Listing payments as late under an open etiquette consumer plan is against federal law. 15 U.S. Code 1666 15 USC 6827 ( 3 ) requires financial institutes to notify consumers of their information-sharing practices and provide for a right to opt out of certain sharing. mention in the transactions above without allowing me to opt-out XXXXXXXX XXXX XXXX furnished my non-public information to a nonaffiliated third-party data furnishing company XXXX XXXX XXXX and XXXX . 15 USC 6809 ( 4 ) ( a ) Non-public information means personally identifiable financial information provided by a consumer to a financial institution- resulting from any transactions with the consumer or any services performed for the consumer or otherwise obtained by the financial institution. Therefore, as per literal interpretation, the organizations name XXXX XXXX and XXXX are non-affiliated third parties. and XXXX credit card has violated the provisions of 15 USC 6802 pursuit under 15 USC 1681a ( d ) ( 2 ) ( a ) ( ii ) the consumer report shall not include. Any information communicated among persons related by common ownership or affiliated by corporate control. Such information among persons shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be allowed to direct that such information not be communicated among such parties. I HEREBY REQUEST THAT YOUR COMPANY REMOVE ALL OR UPDATE THE FCRA VIOLATIONS LISTED BELOW BE REMOVED IMMEDIATELY 1. ALL LATE PAYMENTS SHOULD BE UPDATED TOO POSITIVE 15 U.S. Code 1666. 2. UTILIZATION OF THE ACC SHALL NOT BE FURNISHED 15 U.S. Code 1681b - Permissible purposes of consumer reports. Also request under 15 U.S. Code 1666d - Treatment of credit balances Section ( B ) refunds any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance. Please credit my accountant for the balance or refund the balance Deposited to my treasury direct accountant. XXXX # XXXX ROUTING # XXXX XXXX XXXX XXXX has 7-10 business days to honor my request, or I will immediately file a complaint with my state 's attorney 's office and a filing a complaint with the federal court in my jurisdiction. Thank you for your immediate prompt attention to this
Company Response:
State: MN
Zip: 55112
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I had a savings account with marcus by goldman sachs. On XX/XX/XXXX i initiated a transfer of funds to a checking account and they said it went through. A week later ( XX/XX/15 ) the funds still didnt transfer and i really need the money. I try to log in to my account but it got locked. I call ( XXXXXXXX XXXX ) and was told it was locked and the transaction reversed. They refuse to unlock my account or close it bc i need to speak to a specialist. I cant access my money or close my account and i am really low on cash. Scammers!
Company Response:
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have to been disputing transactions nonstop with Apple for the past two years. These were fraudulent charges. I have explained to the company multiple times over and over. I was recommended to reach out to you guys to help with this matter. I have been experiencing unknown charges on all credit cards I own. For XXXX my disputes have all go through besides XXXX and Apple. Theyve both been affecting my credit score tremendously. There was a period of time these charges took place. XXXX XXXX XX/XX/2022. I have shown proof to the companies. I do not claim any of these charges and wish for XXXX and apple to wiped off my credit report.
Company Response:
State: CA
Zip: 91343
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a positive balance of {$7800.00} on my Apple credit card. On XX/XX/23, I called and confirmed with the representative that the balance can be refunded to my checking account ending in XXXX in 8-10 business days. On XX/XX/23 I called again since it has been past the 8-10 business day window and was told it is still being worked on. On XX/XX/23, the balance was still not refunded. I spoke to a manager and said the case will be escalated and I should expect a communication by end of day XX/XX/23. Today is XX/XX/23 and I still have no received a response nor a refund of my positive balance.
Company Response:
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Goldman Sachs charges double interest : interest for the month in which a late payment was made, and interest on the total balance of the next month, even if the balance of the previous month was only paid one day late and the entire balance of the second month was paid in advance. This method of charging interest is unlike any other major credit card issuer, is surprising, not disclosed to consumers until after it happens, and deceptive. Further, the bank does not mention that the second interest payment can be avoided by not using the credit card in the month following the late payment ( I think that would avoid the interest ). Instead, Apple simply says you have to pay the interest for the second month.
Company Response:
State: IN
Zip: 46203
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A