Date Received: 2024-01-07
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: XX/XX/2023 I ordered a golf skirt order # XXXX from XXXX XXXX XXXX online for {$120.00} on my Apple card. It arrived via UPS on XX/XX/2023. It was too large and had a few stains on it so I decided to return via UPS on XX/XX/2023. UPS ground tracking # XXXX to the address that was on their website... I had to pay {$13.00} for the return. The address to return from their website is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX UPS confirms they delivered it at their gate on XX/XX/2023 at XXXX The following month my Apple card showed no refund. I could not contact XXXX XXXX as they have no phone number to contact. So, I contacted Apple via customer service line and gave my tracking number and they said they would file a dispute. XXXX months later, the disputed amount was deemed in the merchants favor. Apple said that I RECEIVED the product, so I have to pay. I said, I RETURNED the package and have proof with a delivery receipt that the merchant got the return. I've been through 3 written disputes with Apple and 6 half hour phone conversations. Apple says I should just pay it so it doesn't reflect on my credit score. I believe this is a fraudulent company as I Googled the address their website says to send to and goes to an obscure place.I 'm not going to pay this amount as I returned it and have proof it was delivered. Apple is now reporting to my credit agencies as a 60 day late payment. As of today, my credit score went from XXXX to XXXX. I want Apple to return my original payment plus my delivery return fee. Thank you.
Company Response:
State: AZ
Zip: 85750
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XXXX apple id was stolen along with my XXXX account. Someone is trying to open an apple charge card in my name that I did not authorize.
Company Response:
State: CT
Zip: 06067
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear APPLE CARD - GS BANK USA, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. Please confirm in writing that my request has been received and actioned accordingly. I understand that federal law allows for a reasonable period to process and implement these changes. Your cooperation and timely response to this request are greatly appreciated. If any further information or clarification is required, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I discovered that my Marcus saving account was locked on XX/XX/XXXX. On the same date, I called Marcus, and they informed me that my XXXX XXXX XXXX XXXX number was not associated with the name on the account ( which is my name ). I even went to a local XXXX XXXX XXXX XXXX and asked them to pull my information from their system, which, according to XXXX XXXX XXXX XXXX records, matched my name. They said they would send me an affidavit to fill out. I waited for a week and then called XXXX again on XX/XX/XXXX. They assured me they would expedite the process and send out the affidavit as soon as possible, which would take 7-9 business days. However, after waiting for another two weeks, I still haven't received the letter. I lost my patience and asked an agent to close both of my accounts and transfer the money back to the original bank account that initiated the transfer initially. The agent agreed to that, and we went through the closing process on a recorded line. The agent sent me a one-time PIN number to my phone, and I provided her with the number. The agent assured me that the funds would be available within 1-3 business days. However, after waiting for another four business days, I still hadn't received the money. When I called Marcus again, another agent from risk department informed me that my accounts were not actually closed because their department vetoed the closure due to restrictions placed on my account. This information was never communicated to me last Friday. I requested once more to have my accounts closed. The risk department set up a three-way call with the savings department XXXX and we went through the same closing process again. However, they informed me that they could not send the PIN number to either my phone or email this time. The only two options left for me are : Receive a check via mail, for which they couldn't even provide a tracking number. Go through the old affidavit process, which has already taken a month, and I still haven't received the letter from the bank. Due to my concerns, I rejected the check option and insisted on getting my money transferred to the original bank account via ACH or wire. Unfortunately, they are not giving me that option. I don't see any risk in simply transferring the funds back to the original bank account, which I believe is the easiest and fastest way for me to access the funds.It 's really frustrating for me since it already took a whole month, and I don't want to waste another month on waiting for the check.
Company Response:
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am writing to submit a complaint regarding an ongoing issue with my Apple Card, provided by Goldman Sachs. In XX/XX/2021, I was offered this card when purchasing a XXXX XXXX for {$1100.00}. Unfortunately, shortly thereafter, I faced a series of health emergencies, which significantly disrupted my ability to manage my financial affairs. Key Points of My Situation : Health Crisis and Lost Wallet : In XX/XX/2021, I lost my wallet, including my Apple Card and phone, during a health emergency. I was frequently hospitalized and even admitted to the XXXX XXXX XXXX in XX/XX/2021 ( discharge notes attached ). XXXX XXXX and XXXX XXXX : My illness required me to spend significant time in XXXX with my parents, further complicating my ability to address the card issue. Recovery and Follow-up : Upon feeling better in Fall 2021, I attempted to resolve the issue with my Apple Card. However, my explanation was not considered, as Goldman Sachs based their decision on the possession of my phone, which I had only recently recovered. Brief Explanation : After that, I stayed with friends and relatives, and in XX/XX/2021, I was admitted to the XXXX XXXX unit, for which I have attached the discharge notes. I have been ill for the last XXXX years and am currently trying to get my life back on track. Part of this involved an extended stay in XXXX with my parents. When I felt better this fall, I attempted to follow up on my Apple Card issue. I explained that I had tracked down my phone through a friend, but this was used against me, implying it was my responsibility, and I wasn't given a chance to fully explain the situation. All communication with the company was conducted via text messages, making it difficult to convey my circumstances effectively. I informed them that the person I retrieved the phone from is an acquaintance, specifically a cashier I know at the XXXX XXXX XXXX in the XXXX XXXX area. He is from my home country, XXXX, and I only know his first name, XXXX. I was taken to an emergency room directly from the gas station in XXXX, and thereafter, I did not return to my apartment, instead staying with family in XXXX, Maryland. After a considerable time, I revisited the area and was fortunate enough to find XXXX, who then returned my phone to me. Since XX/XX/XXXX, I have lost both the physical Apple Card and my phone and have not used the Apple Card since. However, Goldman Sachs has rejected my dispute without providing any reason. My attempts to speak directly with a representative have been to no avail. Unresolved Dispute with Goldman Sachs : Despite explaining that the phone was retrieved from an acquaintance, Goldman Sachs closed my dispute without adequate explanation. My efforts to communicate via text and request phone conversations with supervisors have been unsuccessful. Recent Interactions with Goldman Sachs : Interaction with Supervisor XXXX : Provided inaccurate information regarding my account, later corrected upon presenting screenshots of previous communications. XXXX with XXXX XXXX : Promised a supervisor 's call within XXXX hours, which did not occur. Instead, I received an email stating my fraud dispute was closed. Attached Documents : Discharge documents from XXXX XXXX XXXX ( XX/XX/2021 ). XXXX screenshots of communication with Goldman Sachs employee XXXX. XXXX screenshots of communication with Goldman Sachs employee XXXX. Email from Goldman Sachs denying my fraud dispute. I am reaching out to you in the hope of finding a resolution to this matter. I am still going through mental health struggles and this issues is taking a toll on me. It has been a challenging period, and the lack of professional response from Goldman Sachs has added to my distress. I would greatly appreciate your assistance in addressing this issue. Thank you for your attention to this matter. Sincerely, XXXX XXXX email : XXXX Phone number : XXXX
Company Response:
State: MD
Zip: 20832
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: After being approved for the Apple Card in XX/XX/2023, we used it to pay for heavily needed items as our financial struggles began to grow. I have several documented attempts to make payments towards my {$2000.00} XXXX credit card but each one has been declined for reasons that are still unknown to me. I have reached out several times to Apple and Goldman Sachs through their messaging systems and via phone calls. I've becoming extremely frustrated as I'm unable to provide a place to live for myself and my family. I'm also unable to build a financial future and save money, as my current bills are always being both early and on time.
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX i used Apple Cards chat feature to ask for a payment plan to get caught up on a past due bill. They said no payment plan was available. I asked them what my minimum payment was and they told me. Then the agent put an unauthorized payment in for {$1000.00} from my bank account. I tried to get them to cancel it and they told me to contact my bank. They only said sorry but that is a lot to potentially lose. My bank will put a stop payment but theyll charge me to do it.
Company Response:
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
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: For XXXX months now i've been trying to resolve a factual fraudulent goldmanSachs XXXX, XXXX. Escalating several times with GS XXXX representatives, as GS XXXX XXXX XXXX charge to my card and then taking it off XXXX times now, over XXXX months. when I try to escalate by requesting to speak with the actual security department or leadership all attempts fail and the XXXX reps simply reopen the same dispute the same way, as if previous disputes never happened. I now have XXXX different dispute numbers as it's the only thing the GS XXXX gatekeepers will permit to occur. This is after going through approximately XXXX reps each attempt to call or chat as the GS reps simply drop off or disconnect when I say that i want to speak with a security rep about the existing dispute closed. In addition, I've asked for the documentation proof for the reason in putting the charge back on my card. GS mails to me completely made up pieces of paper and fake invoices with erroneous details not relative to me, & false/invalid tracking numbers. As if there is no GS auditing dept, no actual GS staff ( humans ) reviewing disputes for quality control, no validating of the proof I submitted that it's a fraudulent transaction. Further there is clearly no one at GoldmanSachs validating anything they mail to customers via XXXX. XXXX mailings GoldmanSachs attempts to use as proof needed to continue to charge customers for fraudulent transactions, but is merely papers made up out of the twilight zone. This is beyond a reasonable doubt the most fraudulent process of handling XXXX disputes & needs to be escalated to not only GoldmanSachs, also XXXX and XXXX corporate.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello they reported me for late payment which is not correct i asked them to correct it and they don't even provide which steps they took and proof of late payment i want them to correct it to on time payment
Company Response:
State: IL
Zip: 60659
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
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 sent a letter certified mail disputing XXXX charges on my Apple credit card. The tracking for the letter was XXXX, it was received in XXXX. The bank never investigated my dispute.
Company Response:
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A