Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I used my Apple Card for the purchase of an XXXX computer. They offered me a multi-month, no interest deal. I set up an auto pay to pay the monthly amount I needed to to ensure that I would have it paid off in the required time to not pay interest. The automatic draft on my checking account was {$190.00}. In XXXX I still owed two more payments on the computer, and I purchased an XXXX at the Apple Store in XXXX XXXX, XXXX, LA. They would not off me an interest-free deal on the phone because I could not have them activate it - I had to take it to XXXX to activate. I told the salesperson at the Apple Store that I wanted to put the purchase amount for the phone on my Apple Card and pay it it off with monthly payments, and pay interest as required. They said fine and charged the phone to my Apple Card. In XXXX I got a notice from Apple saying that they would draft an amount for the monthly amount on the computer, plus the full price of the phone on XXXX XXXX. I called Apple Card and spoke to a credit " specialist '' and told her that I didn't not want them to draft the full amount of the phone, but only the monthly amount for the computer ( {$190.00} ) and I would make online payments for the phone. She told me I would have to pay interest and I said that was fine. But I had her assure me, more than once, that they would not draft the full amount for the computer & phone, but only the amount I had been paying for the computer. She even said, " No, they will just draft the {$190.00}. I had her on speaker phone, so a friend in the room with me heard her say it. I then made an online payment ( not autodraft ) for {$350.00} towards the cost of the phone. Today, on XXXX XXXX, a draft on my checking account went through to Apple for the FULL AMOUNT of the phone monthly payment, plus the phone amount, LESS the {$350.00} I had paid online. This crashed my checking balance and my bank transferred money from a line of credit to my checking account to cover the shortage. When I discovered this this evening, I called Apple again and got yet another credit specialist who said that I had agreed in the setup of my auto draft to pay the full statement balance. I was not aware that I agreed to the when the auto draft was set up, only that they would be drafting enough each month to pay off the computer in time. When I talked to the first credit specialist ( who had access to the same information as today 's specialist, she did NOT tell me that I had agreed to pay off the full amount, and made a point of telling me that I would be paying interest and I said I knew that and was OK with it. The specialist I spoke to tonight ( and I told her that the previous specialist had assured me the auto draft amount would not be more than the amount I had been paying ) said that the previous specialist, and the sales person at the store who ALSO understood that I planned to pay monthly on it, were mistaken. And she offered me NO relief.

Company response to consumer: Closed with non-monetary relief