Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (TX)

In XX/XX/XXXX I applied for Apple Card/Goldman Sachs Card . I made a few purchases with my Apple Card during these years, some where with 0 % APR and some where not. 

In XX/XX/XXXX I received this email, but did not see it until XXXX XX/XX/XXXX. 

Important message regarding Apple Card Monthly Installments. 
We understand that some customers expected to receive 0 % APR financing automatically when purchasing Apple products with their Apple Card. 0 % APR financing is available with Apple Card on eligible Apple products when customers choose to check out with Apple Card Monthly Installments while shopping on XXXX, the XXXX XXXX XXXX, or at the XXXX XXXX.1 If you expected to receive 0 % APR financing with Apple Card Monthly Installments when purchasing an Apple product from either Apple or an Apple Authorized Reseller,2 but you did not, we can help. 

If you contact us by XX/XX/XXXX, well be able to convert your eligible purchase ( s ) to an Apple Card Monthly Installment. To expedite your request, please be prepared to identify the transaction ( s ) for which you expected to get 0 % APR and have your receipt ready to provide to a specialist. Please chat with an Apple Card Specialist for assistance. 

In XX/XX/XXXX I contacted Goldman Sachs regarding this email because I wanted to have this message to be explained to me. 

In the attachments you will see the whole conversation I had with the representative. 

I would like to have my conversation with Goldman Sachs to be reviewed. I strongly believe that the representative did NOT explain to me my OPTIONS regarding the email and what it meant. I was around {$200.00} short of paying off my entire debt with Goldman Sachs after all these years. The representative was not CLEAR in informing me that converting these amounts will reverse my payments and they will hold my money for another 12 months and 24 months about which I learnt later in another message chat with another representative on XX/XX/XXXX. 
Moreover she informed me that ALL THE INTEREST WAS CREDITED BACK OF - {$1400.00}. I understood that this money is the money that I overpaid and will be credited back to me to my card/my bank account. 
( Please, see all the conversation in the attachment ). 

In XX/XX/XXXX I called Goldman Sachs regarding the money being transferred and they assured me that the money will be on my card. 

In XX/XX/XXXX I contacted Goldman Sachs via messaging chat telling them that I still not have received the CREDIT back. The representative told me that I have installments open and they can not send the credit back. ( These installments are the ones that the 1st representative CONVERTED herself )!!! When I asked for a supervisor to look into situation she informed that UNFORTUNATELY, AT THIS TIME YOUR CREDIT WILL REMAIN ON THE ACCOUNT AND WILL BE USED TO PAY THE MINIMUM. She apologized if any MISINFORMATION WAS PROVIDED. 
( Please, see the whole conversation in attachment. )