Consumer complaint received 2021-04-08
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX, MD # XXXX XXXX XXXX, XXXX, MA. XXXX Cell # XXXX ( XXXX ) XXXX To : Senator XXXX XXXX Re : Apple Fraudulent activity Reference : XXXX credit bureau, Matter of : Dispute of the fraudulent report of a {$62.00} cash back as a late payment charge posted by Apple on XXXX XXXX resulting in drop of 72 point off of my credit score. 
XXXX Report Number : XXXX Account Number : XXXX Company : APPLE CARD/GS BANK USA XX/XX/XXXX Dear XXXX XXXX ; I am writing this to report fraudulent activity by Apple over financial abuse of the public. I am sure Apple has been victimizing thousands of individuals through this XXXX XXXX like activity. 
In XX/XX/XXXX : I purchased an Apple laptop and returned it in XX/XX/XXXX. The terms of the purchase was to apply for an Apple credit card and use the apple card for 0 % APR, they were encouraging use of the Apple credit card for general use as well, as they were offering a handsome cash back deal on general purchases. 
As mentioned above, I had bought but returned the laptop within the grace period they had determined and Apple credited back the cost of the laptop. But later in XX/XX/XXXX : Apple granted {$62.00} Cash Back for the original purchase, which I was not informed. I did not do any activity on Apple credit card. 
In XX/XX/XXXX, without any pre warning : Apple converted the $ ( XXXX ) cash back credit to {$62.00} Debit ; ( Not even to Zero, which in that case it would have meant they had taken their money back ). But Apple instead, by the conversion of credit to debit without my consent of the consumer, in fact they charged me 200 % APR on that {$62.00}. I did not become aware of any such activities, either. They say ; it shouldve shown on the App called XXXX, on my phone, but I had not set up the App, nor downloading the App was never part of the deal, either. 
When in XX/XX/XXXX, I finally became aware of such activity through a random checking of my overall credit score through the credit bureau ; XXXX, I called Apple and found out what they had done. I asked the Apple agent ; Apple had given me credit so why they just did not take it away?

Their representative replied : Because it is not legal for us to take back the cash back. We need the consent of the customer. But instead, Apple committed fraud and turned my credit to debit which it means in direct violation of their original contract, instead of 0 % APR on the Apple card, in fact they charged me % 200 APR on the {$62.00} cash credit. 
Moreover, In XXXX XXXX : Apple by not receiving any payment for their fraudulent {$62.00}, they reported me to XXXX and all other credit agencies as a 30 days late payment. By doing such a late payment report, my credit score dropped to a lower category by drop of 72 points.

I asked Apple why they did not let me know of the balance, that they were demanding? They said they have sent emails ( which had been going to Spam ), their representative said it is their policy and regulation that they have to call me to inform me of such a balance, but she apologized because APPLE DID NOT CALL ME AND THEY HAD VIOLATED THEIR OWN PROTOCOL! Moreover, Apple never got my consent about not to send me any statement, either.

Apple failed to send me any statement, which is a routine action expected from any credit card company!

Therefore, As result of Apples failure informing me, ( I was not aware of any monetary claim by Apple ) against me, I suffered major loss of credit score which created a domino effect on my mortgage acquisition or any other borrowing power. 
In XX/XX/XXXX : I found out through XXXX about a problem with my credit report which in fact it turned out to be that it was the first time I had become aware of any such a late payment claim by Apple.

I called Apple and they said ; in order to solve the problem and to preventing the problem getting worse, all they needed, was my consent to get their {$62.00} back which by then it had turned to {$62.00} ( with the interest accrued ). 
Obviously, in that telephone conversation of XX/XX/XXXX with Apple, I consented to wipe out their original cash back credit of {$62.00}, as well as, I asked them to waive the {$0.00} of interest they had charged me. 
But in addition to the fact that I disputed the Apples original claim of being late for payment that ( I had not been aware ) for XX/XX/XXXX. But also, this fraudulent activity by Apple to circumvent the law that they can not take back the cash back they had already honored before.

But in this way they have created a sham situation which through such a loophole they compel their consumer into returning the cashback credit they had falsely advertised and offered, in the first place.

Subsequently, I disputed Apples claim of late payment with the credit bureau as well as I filed a dispute with Apple and request the 72 point credit score I lost to be recredited to my credit score, but I have got nowhere with Apple. When I called them again, each time after so much wait and jumping over so many hoops, they kept telling me : I no longer owe them the $ XXXX but their agent and their supervisors keep playing dumb about my demand to contact the credit bureau and remedy their destructive act. They kept promising to write me and or call me back to inform me of the result of their corrective action, but nothing has happened, despite months of wait. 
I have rerun this scenario with them at least 3 times by calling them within several weeks intervals, but I am still waiting for Apple to call or report their false action to the credit bureau to remedy my credit score.

So, I am asking for your help and protection through requesting you, for a full investigation in Apples fraudulent activity of converting cash back credit to debit, as their agent told me in clear words that : it is illegal for them just to take back the cash credit they have already honored, they can only do it with the consent of the customer!!! I would also like to see Apple to be investigated for false advertisement, by promising a cash back and % 0 APR on Apple credit card but in action they charge % 200 interest rate by converting the cash back credit into a debit.

Moreover, by not sending statement to their customer and violating their own protocol by not calling to inform their customer of their intention to charge the customer for the cash back they have honored, already, they turn their customers status into a bad credit status.

Followingly, they begin to take punitive action on the consumer, such as reporting the customer to the credit bureau as well as creating a situation for Apple to charge the customer % 200 without anybody asking any question. Apple is abusing their big corporate power and privilege against the little guy in the society, to enrich themselves at the expense of ruining the little guys credit score. 
Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation