Consumer complaint received 2021-11-18
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Today, I received an email receipt from Apple indicating that I was charged for monthly automatic renewal of XXXX XXXX+. I did not sign up for this renewal. I used XXXX XXXX for free during a trial period but did not continue the subscription and did not use XXXX XXXX  during the time period I was charged. While Apple has made it very easy to charge my credit card without my consent they made it VERY difficult to revoke the auto renewal and to refund my money. In fact, they said via chat there is a refund review process that takes about 48 hours to determine whether they'll refund charges that never should have happened. This comes after Apple charging me interest for an Apple card purchase that should have been 0 interest and making it IMPOSSIBLE to get a refund unless you purchase additional Apple products. Today 's receipt follows, and if it's possible I will attach a screen shot of the very unhelpful chat.

Receipt Save 3 % on all your Apple purchases with Apple Card.1 Apply and use in minutes [ XXXX ] 2 XXXX XXXX XXXX BILLED TO XXXX .... XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ORDER ID XXXX [ XXXX  ] DOCUMENT NO. 
XXXX XXXX XXXX XXXX XXXX  ( Automatic Renewal ) XXXX XXXX ( Automatic Renewal ) ( Monthly ) Renews XX/XX/2021 Report a Problem [ XXXXXXXX ] {$4.00} Subtotal {$4.00} Tax {$0.00} TOTAL {$5.00} Save 3 % on all your Apple purchases XXXX 
Apply and use in minutes [ XXXX  ] 1. 3 % savings is earned as Daily Cash and is transferred to your Apple Cash card when transactions post to your Apple Card account. If you do not have an Apple Cash card, Daily Cash can be applied by you as a credit on your statement balance. 3 % is the total amount of Daily Cash earned for these purchases. See the Apple Card Customer Agreement for more details on Daily Cash and qualifying transactions. 

2. Subject to credit approval. 

To access and use all the features of Apple Card, you must add Apple Card to XXXX on an XXXX or XXXX with XXXX or XXXX XXXX or later. Update to the latest version of XXXX or XXXX by going to Settings > General > Software Update. Tap Download and Install. 

Available for qualifying applicants in the United States. 

Apple Card is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch. 

If you reside in the US territories, please call Goldman Sachs at XXXX with questions about Apple Card. 

Get help with subscriptions and purchases. Visit XXXX XXXX [ XXXX ]. Learn how to manage your password preferences [ XXXX ] for XXXX, XXXX XXXX, and XXXX XXXX purchases. 


You have the option to stop receiving email receipts for your subscription renewals. If you have opted out, you can still view your receipts in your account under Purchase History. To manage receipts or to opt in again, go to Account Settings [ XXXX ]. 





Apple ID Summary [ XXXX ] Terms of Sale [ apple.com ] Privacy Policy [ apple.com ] Copyright 2021 Apple Inc. 
All rights reserved [ apple.com ] Receipt Save 3 % on all your Apple purchases with Apple Card.1 Apply and use in minutes [ XXXX ] 2 XXXX XXXX  XXXX ORDER ID XXXX DOCUMENT NO. 
XXXX DATE XX/XX/2021 BILLED TO XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Automatic Renewal ) XXXX XXXX  ( Automatic Renewal ) ( Monthly ) Renews XX/XX/2021 Report a Problem [ XXXX ] {$4.00} Subtotal {$4.00} Tax {$0.00} TOTAL {$5.00} Save 3 % on all your Apple purchases XXXX 
Apply and use in minutes [ XXXX ] 1. 3 % savings is earned as Daily Cash and is transferred to your Apple Cash card when transactions post to your Apple Card account. If you do not have an Apple Cash card, Daily Cash can be applied by you as a credit on your statement balance. 3 % is the total amount of Daily Cash earned for these purchases. See the Apple Card Customer Agreement for more details on Daily Cash and qualifying transactions. 

2. Subject to credit approval. 

To access and use all the features of Apple Card, you must add Apple Card to XXXX on an XXXX or XXXX with XXXX or XXXX XXXX or later. Update to the latest version of XXXX or XXXX by going to Settings > General > Software Update. Tap Download and Install. 

Available for qualifying applicants in the United States. 

Apple Card is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch. 

If you reside in the US territories, please call Goldman Sachs at XXXX with questions about Apple Card. 

Get help with subscriptions and purchases. Visit Apple Support [ XXXX ]. Learn how to manage your password preferences [ XXXX ] for XXXX, XXXX XXXX, and XXXX XXXX purchases. 


You have the option to stop receiving email receipts for your subscription renewals. If you have opted out, you can still view your receipts in your account under Purchase History. To manage receipts or to opt in again, go to Account Settings [ XXXX ]. 





Apple ID Summary [ XXXX ] Terms of Sale [ apple.com ] Privacy Policy [ apple.com ] Copyright 2021 Apple Inc.

All rights reserved [ apple.com ]

Company response to consumer: Closed with explanation