Be careful Apple Card/ Goldman Sachs
GS customer service is the worst!!! Please stay far far far far away! I have lost so many hours of my life over the last 4 months dealing with them over 2 fraudulent charges on my account. A few months ago I started getting text messages about purchases being made on my card that I knew wasn’t me. So called Apple/ GS immediately to report. They were able to cancel the card and just in time from a 3rd charge going through. So at least the 3rd was declined. They immediately put the funds from the 2 charges that went through back on my card and said they would investigate further. 2 months later they email me saying they decided that one of the charges was fraudulent but the other one was not. Of course the 50 dollar one was the one they decided was fraudulent. The 500 dollar charge that happened 1 minute after was decided not to be fraudulent. Even though that one was from the same merchant that a 3rd charge had tried to go through that day but I was on the phone with them canceling the card so it got declined. I told them I definitely was not paying 500 dollars for a charge I did not make. And they said I could dispute it again but that I needed to give them evidence or proof that it wasn’t me that made the purchase?!?!!? Or they would probably come to the same conclusion at the end of the dispute again. So I ended up calling the merchant where my card had been used fraudulently and it took them less than half a day to get back in touch with me and say that they could tell on their end that the charge was fraudulent bc of how many times the charge tried to go through back to back to back and they were able to prevent some on their end as well. They told me they would refund the 500 dollars to my account that did go through. I thought at this point everything was good. So I called GS back and told them that I got it taken care of and the merchant refunded me the money bc they could CLEARLY tell it was a fraudulent charge. GS told me that was great and they would let their fraud team know and the case would be closed. A month later I get an email from Apple/GS saying they couldn’t find any wrong doing and they were closing the dispute bc the merchant refunded me my money. I was furious at this point bc I knew the merchant refunded me my money! I was the one who called them and got them to do it. And I was the one who called GS to let them know I got it taken care of with no help from them either ! but decided not to respond bc everything had been taken care of already as far as my money getting back into my account. Even though I did all the leg work myself. Then about a month after that I get a notification that a remark has been added to my credit report. I look into it and GS put a remark on my credit report saying “ customer disputes after resolution “! I look it up and it doesn’t negatively affect your score but it can cause problems if you are planning on buying a home or a car in the near future. They will want that remark removed before purchasing. So…. I call GS again asking them what the fuck are they talking about and why did they place that remark on my report? I ended up having to call back several times escalating it each time and was told that they placed it bc I disputed their first response/ outcome of only accepting one of my fraudulent charges. And they deemed the 500 dollar charge to be authorized. Even though they were wrong!! That was absolutely a fraudulent charge and I was able to call the merchant and get them to refund the money immediately. But bc I didn’t just agree with their first outcome and say ok u guys are right and I will just come out of pocket and pay u the money and not dispute it a 2nd time… that is why now I have a remark on my report. And they said they cannot take it off . Which is not true. They can take it off but won’t. I’m so over dealing with them I just don’t want to have to speak to any one of them ever again. Please please stay far away from GS. This has been an absolute nightmare dealing with them for the last 4 months!!!!