Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (NC)

On XX/XX/year>, I was approved for the Apple Card. When I was applying for the Apple Card, I used the following link XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX There, it was mentioned that if I complete a purchase using the credit card within 30 days of account opening, I would get a {$75.00} cash bonus credited into my Goldman Sachs Savings account ( I attached a screenshot of the offer ; that was the webpage from where I clicked on Apply now when applying for the credit card ). 

On XX/XX/year>, I completed a credit card purchase using the Apple Card. Since the purchase was completed within 30 days of account opening, it qualified me to receive the {$75.00} promo bonus ( I attached the XXXX statement showing the purchase date and amount ). 

Because the bonus was not credited into my Savings account, I contacted Goldman Sachs on XX/XX/year>, using Messages. The Goldman Sachs representative asked me if I have a link, screenshot or an email where it shows the promotion information. I provided the requested information, and the representative created an inquiry for the respective department. 

On XX/XX/year>, I received a follow-up email regarding the inquiry asking me to contact [ Goldman Sachs ] with additional details ( Proof of Get {$75.00} Daily Cash to Refer a Friend promo communication email ) in order to investigate further. I contacted Goldman Sachs that same day informing them that I have already submitted the proof of eligibility for the promo bonus. The representative said that they would let the dispute team know the evidence has been submitted. 

Later, I received an email saying that the inquiry has been closed due to me not submitting the requested evidence. I called Goldman Sachs support on XX/XX/year>, and the representative told me that the dispute was closed in error and initiated a new inquiry. She also mentioned that if I am contacted by Goldman Sachs again in the future asking me to submit the proof of participation in the promotion, I should send them the same pieces of evidence again, just in case. 

On XX/XX/year>, I received the same email asking me to contact Goldman Sachs in order to confirm my eligibility for the promo bonus. I contacted Goldman Sachs on XX/XX/year>, and a representative again told me that my inquiry has been closed and mentioned that they will need additional proof of invitation to apply for the card. In particular, it was mentioned to me that they will need the email I received from a friend with the details of the promotion. I mentioned that I do not have such an email saved, and it was never mentioned in the program rules that we need to keep record of the email in order to be eligible for the bonus. 

To summarize, I submitted two pieces of information proving that I saw the promotional offer when I was applying, which qualifies me to receive the {$75.00} cash bonus. Goldman Sachs, after reviewing the information, has been refusing to provide me the promised bonus, thus violating my consumer rights.