Product: Credit card

Subject : Legal Assistance Request Regarding Apple Card Disputes, Interest Charges, and Ongoing Consumer Rights Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reaching out for legal assistance regarding ongoing disputes and financial damages caused by improper practices by Apple and Goldman Sachs in managing my Apple Card account. Below, I have detailed the specific issues Ive encountered, supported by evidence and prior complaints Ive made to authorities that have gone unresolved. 

1. Interest Charged on Returned or Non-Delivered Apple Store Purchases I was charged interest on installment payments for a product purchased from the XXXX XXXX in XX/XX/XXXX that was never delivered due to loss by the delivery company. Despite reporting this and initiating a return claim, I was billed for eight months of installment payments totaling approximately {$780.00} ( {$53.00} per month ). 
In XX/XX/XXXX, the full installment balance of {$630.00} was also charged to my account as a chargeback, effectively forcing me to pay three times for a product I never received.

This violates the Truth in Lending Act ( TILA ) and constitutes deceptive financial practices.

2. Dispute Resolution Failures Disputes submitted via the Wallet Apps Report an Issue feature were never processed or forwarded to Goldman Sachs for investigation. I can provide a complete record of my chat interactions with Apple and Goldman Sachs customer service since XX/XX/XXXX, showing : Repeated failures to process disputes due to Apples mishandling of information requests. 
A lack of acknowledgment notices, resolution letters, or investigations, as required under federal law. 
Tens of thousands of dollars in disputed charges being unfairly reversed or ignored. 

3. Evidence of Systemic Legal Violations Goldman Sachs and Apple have engaged in practices documented as harmful and illegal, including : Failing to investigate consumer disputes : Many of my disputes were ignored, resulting in damaging entries on my credit report and unwarranted charges for unauthorized transactions.

Misleading marketing of interest-free installment plans : Apple misrepresented their Monthly Installments plan, causing me and thousands of other customers to incur interest charges on purchases we believed were interest-free.

Improper refund applications : Refunds for unrelated purchases were applied incorrectly, leading to additional interest charges on revolving balances.

4. Complaints Filed with Authorities I have filed complaints with the California Attorney Generals Office, Consumer Financial Protection Bureau ( CFPB ), and other state and federal agencies in XXXX, XXXX, and XXXX. These complaints highlight the following : Apple and Goldman Sachss systemic negligence in handling disputes and refund processes.

Their failure to address repeated claims about the lost Apple Store purchase and unauthorized charges on my account.

The CFPBs findings of violations of the Truth in Lending Act and Consumer Financial Protection Act, which mirror my experiences. 

Despite these efforts, no meaningful resolution has been achieved. Both the CFPB and California Attorney Generals office have failed to take corrective action on my behalf. 

XXXX. Recent Fraud and Unauthorized Charges In XX/XX/XXXX, my XXXX, synced to my Apple Card, was stolen. I immediately reported this to Apple to lock my card. However, they failed to do so, allowing criminals to make unauthorized charges exceeding {$1000.00}. This demonstrates a critical lapse in their security protocols, further violating consumer protection laws.

6. Emotional and Financial Harm The ongoing negligence, mismanagement, and deceptive practices by Apple and Goldman Sachs have caused me significant financial losses, including : Over {$9000.00} in disputed charges, interest payments, and installment overpayments. 
Severe damage to my XXXX XXXX and reputation, despite my efforts to maintain a clean financial record. 
Emotional distress from repeated interactions with unhelpful, aggressive, and occasionally discriminatory customer service representatives. 
XXXX XXXX XXXX apple card credit card goldman S,. 
List of Transactions NotRefund by Apple Credit Card and credited but then reversal and get charge back with out exploitation even 18 month later never Refunded to My Account Apple Wallet APP disputed Transactions with Reversals : / return never credited XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never credited Total Amount of Chargebacks and Reversed Disputes : {$7400.00} Please review theI seek your guidance to : 1. File a comprehensive legal claim against Apple and Goldman Sachs for violating the Truth in Lending Act, Consumer Financial Protection Act, and related laws.

2. Secure reimbursement for the unauthorized charges, overpaid interest, and disputed amounts.

3. Hold these entities accountable for the systemic harm caused to me and other consumers through deceptive and negligent practices.

I am prepared to provide detailed documentation, including : Chat logs and emails with Apple and Goldman Sachs customer service since XX/XX/XXXX. 
Proof of unauthorized charges, interest overpayments, and installment discrepancies. 
Copies of my complaints filed with state and federal authorities. 

Please let me know how we can proceed. Thank you for your time and consideration. 

Sincerely, XXXX XXXX apple credit card account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX