Date Received: 2023-07-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2023 I applied for a credit card Apple Card is a credit card created by Apple IncXXXX and issued by Goldman SachsApple. My application was denied because Goldman Sachs Apple informs me in the application decision that my XXXX XXXX credit bureau reports to them that I have a recently closed CHECKING/SAVINGS ACCOUNT. I contacted the XXXX XXXX XXXX and a manager informs me that my credit record does not show that I recently had a RECENTLY CLOSED SAVINGS OR CHECKING BANK ACCOUNT, therefore there is incorrect information in the credit application decision. I contacted the credit bank Apple Card is a credit card created by Apple Inc. and issued by Goldman Sachs Apple and a manager responded to me informing me that the only way they can reconsider my application is for XXXX XXXX to confirm to them that there is incorrect information in the decision and therefore does not exist in the credit record that there is a recently closed checking or savings account. I contacted XXXX XXXX again and they do not have a letter format to send to Goldman Sachs Apple bank the rectification that there is incorrect information in the decision of my application for the Apple credit card. Only they can give me a copy of my credit record, which I should send to Goldman Sachs Apple so they can see that in my record I don't have a recently closed CHECK OR SAVINGS ACCOUNT. I as a client, I am being a victim of this injustice and the lack of communication between these 2 companies. I am making this complaint so that they please agree and comply with the fair credit law. I ask that XXXX XXXX please inform Goldman Sachs Apple that I have not recently had any CHECKING OR SAVINGS CLOSED accounts and that this is not shown by my credit report, on which they are reliing to deny me the credit card. I also request that Goldman Sachs Apple reconsider my application based on the response to be provided by XXXX XXXX, which shall report that the information in the negative credit card response provided to me by Goldman Sachs Apple is incorrect. Attached the Goldman Sachs Apple credit card refusal response, where it shows that they are based on information obtained from the company XXXX XXXX.
Company Response:
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
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: On XX/XX/XXXX I charged a transaction on my Apple Card. But due to unforeseen circumstances the company, XXXX, made a mistake on my ticket for an event but refused to issue a refund even though on their website it's 100 % money back guaranteed before the event. However, things got complicated due to the fact that it was a third party ticketholder who provided the ticket. It ended up being the wrong row than the one I originally purchased which neither did I end up confirming nor did I end up going to the event. Tried to resolve it with XXXX over the phone three times, but they just blew me off. That was when I turned to my credit card company in hopes for them to represent me and get my money back. On XX/XX/XXXX I was issued a temporary provisional credit of {$110.00} from Goldman Sachs Apple Card. On XX/XX/XXXX they notified me that they were unable to resolve it with the company, XXXX, and that it was ruled in the favor of the merchant. On the same afternoon I had the opportunity to chat with an specialist at Apple/Goldman Sachs and they ensured me that I had a second opportunity for a crack at it in getting my dispute resolved in my favor. They even reached out for any additional information that I can provide to help them assist in their progress in the dispute. After a month or so I checked back in with them and spoke with a supervisor providing all the info/evidence both verbally and via e-mail that I had. They reassured me saying that if I don't hear back from them by XX/XX/XXXX that it most likely was ruled in my favor. But on XX/XX/XXXX I received an email AGAIN saying that with further investigation it resulted in the favor of the merchant. I was then charged the {$110.00}. I was shocked and in utter disbelief that I had to pay for an event that I never even attended. I don't know whether Apple/Goldman Sachs is new in this department or what. But it is simply unacceptable which led me to write this review today because I have nowhere else to expose this unworthiness in a credit card company. I originally thought getting an Apple Card was a good idea back in XXXX but I'd suggest you or any future consumers to stay far, far away from it as they can't even get a simple resolution resolved.
Company Response:
State: CA
Zip: 91016
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: Goldman Sachs Bank, USA. did a federal backup debt on my CD for the month of XXXX for {$220.00}. My account ends in XXXX. Customer number is XXXX. I want this money put back into my account. I never even signed a signature card back in XXXX. So they sent me another one in XXXX. I HAVE NO FEDERAL BACKUP WITHOLDING I OWE THE FEDERAL GOVERMENT. I SENT THE NEW ONE BACK ON XX/XX/XXXX, INDICATING I HAVE NO FEDERAL BACKUP WITHOLDING FROM THE FEDERAL GOVERMENT. I CALLED ON XX/XX/XXXX. THE REP ADVISED THEY STILL DO NOT HAVE. I WAS PROMISED A CALL FROM A SUPERVISOR NAMED XXXX, ON XX/XX/XXXX. I NEVER GOT THE CALL. THEY WILL NOT SEND ME ANY SIGNATURE CARD, THEY SAID I SIGNED BACK ON XX/XX/XXXX. THAT'S BECAUSE I NEVER DID. IN THE MEANTIME I WANT THE {$220.00} PUT BACK IN MY ACCOUNT THEY TOOK OUT ON XX/XX/XXXX. I SENT THE NEW CARD IN TO STOP THE BLEEDING, AND THEY CONTINUE TO PLAY GAMES
Company Response:
State: AZ
Zip: 85297
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
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 received damaged makeup and I am willing to return the items, but the company it was purchased from is not responding to my emails. I have contacted both apple/goldman sachs and they have closed my dispute with no resolution.
Company Response:
State: TX
Zip: 77339
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Today I attempted to withdraw some of my money from my Goldman Sachs account. My attempt was to return the money to the same banking institution, XXXXXXXX XXXX XXXX XXXXXXXX, Indiana, which was the source of where these funds originated from earlier this calendar year. My online attempts using the website portal appeared to go through as normal. However, when contacting the bank on a separate matter, I am now being told that my account is locked? The rationale was to verify a deposit made in XXXX of this year? I do not believe any attempts were made to reach me with respect to activity which happened six months ago. I have received no emails. I have received no phone calls. I have been able to successfully deposit more money into my Goldman Sachs account since XXXX without issue. Ironically, the day in which I attempt to withdraw money, I am now being told this. My money is effectively being held hostage. I simply want the money in my account to be withdrawn in its entirety and returned to me. If this can not be done electronically, I will accept a paper check, mailed to me using US mail to my address on file : XXXX XXXX XXXX XXXX, XXXX, IN XXXX.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My Apple Card was locked on XX/XX/2023, contacted Goldman Sachs and they can not tell me why it was locked or how I can get it unlocked. They tell me someone will reach out to me eventually, and they wont tell me a timeline for that happening. In the meantime, I can not pay my bill, use my card, see any statements or transaction history.
Company Response:
State: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently tried getting it removed with XXXX because these account are also reporting wrong on my account. they ignored me and said there was nothing they could do because the account was in collections.
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
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: On XX/XX/XXXX, I was a victim of spoofing where the criminals gained access to my Apple credit card, my Apple account and personal bank account. Both my Apple credit card account and bank accounts were immediately closed. I filed online with IdentityTheft.Gov. My Apple account was hijacked. Therefore, I no longer had access to it and had to create a new one. After a thorough Goldman Sachs investigation, it was determined that I was not responsible for several fraudulent charges on my Apple Card. For that, I was grateful. In XX/XX/XXXX, I paid off my Apple Card account with Goldman Sachs. I received a XXXX balance statement. Unfortunately, a month later, in XX/XX/XXXX, I received a statement with a balance for the reversal of the Apple Cash rewards on these fraudulent purchases. I have tried three separate occasions to dispute the charges since I never received the Apple Cash Rewards, and all disputes ended with, When you make a purchase with your Apple Card you earn Daily Cash. This XXXX XXXX is transferred to your Apple Cash account for you to spend however you want or is accrued and can be applied as a statement credit if you do not have Apple Cash. If you return the purchase, we charge your Apple Card account to reclaim the Daily Cash. This charge is called a Daily Cash Adjustment. Your billing inquiry has been investigated by Goldman Sachs Bank USA and it was determined that no error occurred. As a result, the Daily Cash Adjustment credit provided has been reversed. Very generic and surface level response. Which leads me to believe no one investigated it thoroughly. I spoke to 2 Goldman Sachs Supervisors who seemed to understand my frustration, but little was done to rectify the situation. I had to explain myself to multiple call center representatives and the follow through was just horrible. For instance, I was transferred to Apple, who is incredible as usual. The rep listened and then transferred me to XXXX XXXX, who manages the Apple Cash. The XXXX XXXX rep was also amazing and proceeded to tell me I had not earned any Apple Cash as a result of those fraudulent purchases. Then, she got on the phone with Goldman Sachs, the Goldman Sachs rep says he documented my account, but my dispute was again denied! My credit rating is wonderful. I have since filed disputes on this card account with all 3 credit bureau agencies. I finally sent Goldman Sachs a certified letter with proof I never received any Apple Cash as a result of the XXXX fraud activity. I have obtained 2 months statements from XXXX XXXX for both XX/XX/XXXX and XX/XX/XXXX. This is something Goldman Sachs dispute department SHOULD HAVE done when I disputed the balance. A simple call and email would have saved Goldman Sachs so much man power time and money. Please note, as mentioned so many times before, I was never given Apple Cash for those fraud purchases made on XX/XX/XXXX. Therefore, Goldman Sachs can not ask me to pay them back for something I never received. I just want to be credited to my account for all of the reversed charges and any and all interest and or late fees. I would like an updated statement with a XXXX balance to show I am done with this account for once and for all. The fraud was a nightmare, but so was Goldman Sachs. Thank you,
Company Response:
State: FL
Zip: 33544
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I've had an Apple credit card through Goldman Sachs since XXXX of XXXX. In that time I have purchased four XXXX and one phone using the monthly installment plan. The first two XXXX were paid in full before the 12 month plan ended. The third was purchased on XX/XX/XXXX. I like to make early payments, or to pay more than I owe to lesson my debt. My accounts shows my first payment for this device posted on XX/XX/XXXX, with the 12th and final installment posting on XX/XX/XXXX XXXX my account shows all 12 installments posted on the day they were due ( I paid them much earlier ). The issue is, Apple is still charging me for one more month. If you look under any other device that still has installments due, it states " next installment on XX/XX/XXXX : $ $ $ '' For the XXXX in question, it does not say this, however it is still saying the reaming balance is {$33.00} ( what was posted XX/XX/XXXX as the 12th installment ). Now that a new month statement has posted, the {$33.00} installment should not be included in the amount due on XX/XX/XXXX. Goldman Sachs and Apple need to make their system easier to understand. It appears as if I am paying an extra month. I don't like to wait until the last minute to pay my bills. Goldman Sachs and Apple 's system for tracking payments makes life difficult for those of us who want to be responsible with our credit by making early payments.
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is a follow up from complaints XXXX, XXXX, and XXXX. Per Goldman Sachs reply to the last complaint, they believe they have fixed my account by backdating the payment to reflect the correct date and refunding all of my interest, which they have indeed appeared to have done. Unfortunately, it seems that in the process of making those changes to my account that they have messed up a promotional purchase offer from the Apple Store. This purchase was made in XX/XX/2022, for {$790.00}, to be paid at 0 % APR over two years, with monthly installments of {$33.00}. On my most recent statement this balance now shows as paid off and my total due is {$950.00}. This is incorrect. There should be a remaining promotional balance of {$590.00} and my " pay in full '' amount for XXXX should be {$350.00}.
Company Response:
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A