Credit card -- Trouble using your card -- Complaint #9554355
Complaint Overview
Complaint ID: 9554355
Company: Goldman Sachs Bank USA
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: California
ZIP Code: 90049
Date Received: 2024-07-18T12:00:00-05:00
Date Sent to Company: 2024-07-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for the Apple Credit Card on XX/XX/year> because they have a program to buy a computer on monthly installments for 0 % interest if you have the card. I was approved for a credit limit of {$4500.00}. On XX/XX/year>, I went to purchase the computer online using the installment plan, and the transaction was declined. I tried once more on a different device, and it was declined again. I contacted Goldman Sachs ( the bank that oversees the Apple Card ) and was told I would need to buy the computer flat out with the Apple Card ( which, according to the Cardholder Agreement, would subject me to the interest rate of 27+ % ), then they would convert it to an installment plan with 0 % interest. I shared I am not comfortable with that as a resolution because they are only communicating this verbally and that does not line up with the written agreements of Goldman Sachs nor the written policies of Apple. They shared that if I did this process, I would not be able to make payments in advance. They shared they can escalate it to Tier 3 support, but the resolution would take several days.
Frequently Asked Questions
What is Complaint #9554355 about?
Complaint #9554355 was filed against Goldman Sachs Bank USA regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2024-07-18T12:00:00-05:00.
How did Goldman Sachs Bank USA respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Goldman Sachs Bank USA?
Yes, visit the Goldman Sachs Bank USA company profile at readthecomplaint.com/company/goldman-sachs-bank-usa to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.