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Apple Card Customer Service Woes Responsible for Goldman Sachs Regulatory Probe
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I actually spent months fighting a counterfeit product chargeback after supplying ample evidence. 2 months later they charged it back and had to fight it again. Eventually won, but the whole thing went from October to February/March
Let me guess....you did not cancel the card after this nonsense and are still giving GS your custom.
Im guessing the sheer number of disputes over the pandemic when the merchant dropped the ball entirely- Say Airlines where the flight was cancelled, not refunded within 30 days and customer service was not contactable due to overload / lack of staff.
Or say someone bought a toilet roll holder from some site but the stock got stuck on a boat and again customer service can't be contacted to cancel as there wasn't enough people working that job.
I know I successfully disputed no less than 3 airline tickets that were cancelled by the airline. They were not automatically refunded and I couldn't contact anyone about it. I disputed with Applecard instead. I bet the AC reps spent a pile of time unsuccessfully trying to contact the airlines as well = time.
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Fortunately haven't had those issues. The most annoying one is that some merchants still seem to want the old zip code even though I've changed it everywhere I can find. And it's just random vendors and the new or the old will always work. All I have to do is use the old if the new declines.
That's why I will absolutely never order from no name places. I don't even care how cheap it is, because near 100% you never get anything, or you get something totally different. And like you said, you never can get in touch with CS, and never get emails back if you email. So chargeback is your only recourse.
They really weren’t though, it’s as simple as the previous administration absolutely hating the CFBPs existence. Mick Mulvaney was temporarily appointed and his entire goal was to dismantle CFPB.
I feel sorry for people who are experiencing the long wait times for disputes but my experience has been pretty great so far. Disputes were credited back within the hour and the final resolutions were typically handed down within the day.
Agreed. These merchants just set up a temporary Shopify store to swindle customers and disappear. If I was buying from no-name brands I would just get it from Aliexpress since that's where these things are coming from anyways, and you get purchase protection and decent CS.
I don’t even own an Apple credit card, and this news kind of bums me out. I don’t know why, but the news that Apple partner is dropping the ball is almost worse than Apple dropping the ball themselves to tarnish their image.
I mean, Apple can handle tarnishing it’s own image (lol) but it just makes the whole ordeal cheap and below Apple’s “premium” brand when someone else does it.
I mean, Apple can handle tarnishing it’s own image (lol) but it just makes the whole ordeal cheap and below Apple’s “premium” brand when someone else does it.
I never could understand folks lured by a $100 or $200 statement credit, or some airline miles, or in this case 3% off Apple products to use a card. Looking at the long term, I think dealing with a world class customer service oriented provider makes a lot more sense. Enter American Express. No, I don’t work for AE, but I have been a cardholder for fifty-two years, and never had a customer service issue. I also get 2% cashback on everything on its Schwab branded card.
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Someone charged over $100 to my Apple Card on DoorDash. It took over three months to get that money permanently refunded.
That would be my last transaction with them ever.
I agree AMEX is great, but for the vast majority of credit card users it makes much more sense to chase sign up bonuses than plan to keep a card long term.
Getting a huge bonus for spending $500-$6,000 in a few months is much more lucrative than playing the long game at 1x-5x cash/points back.
I stopped opening and closing cards a few years ago, but I’ve probably opened every major credit card available and earned thousands of dollars and a few million points during that time and there’s no way that would have been possible sticking with the same card forever.
I’m even a high spender on cards at around $10,000/mo which are the only people who might consider using one card forever but even then it doesn’t make the most sense since you can obtain bonuses so easily and quickly.
Goldman Sachs has the worst customer experience of any card in history. Chat sucks, their people are incompetent and borderline rude. If it were not for the cash back and paying it off monthly, I'd dump it. the next time it gets fraudulently used, I will though.
Sorry not going to shed a tear for Goldman Sacks - they are making a mint from this deal with translocation fees and interest charges.
It is 100% on them to keep up and increase staffing as usage increases, instead of worrying about stuffing their own pockets with more profits.
It is 100% on them to keep up and increase staffing as usage increases, instead of worrying about stuffing their own pockets with more profits.
I just recently tried to get GS to move out my monthly installment plan for a new M2 MacBook Air I hadn’t even received because the package was lost by the carrier. So I had to wait another few weeks to get the replacement. Meanwhile my installment plan billed first payment. They simply refused to adjust the plan one month. I had the feeling if I didn’t receive my replacement I’d still get billed and have a rough time trying to correct it. Fortunately I got my M2 MBA today and paid my installment in time.
I don’t think this is all on Goldman Sachs. Many of the first-level folks follow the standard Apple Support process: read scripted responses, refer people to publicly available documents, claim they are unfamiliar with the service/process/interface/etc., claim they don’t have access to the system, and refer you to second-level support for even the most basic piece of information. I once saw a balance adjustment that I thought was actually a refund for a returned product. I asked the first-level agent to confirm if the balance adjustment was for a specific merchant. They claimed they couldn’t share that information with me, “to protect my privacy.”
Once you get to the second-level support, they are able to help, with the included standard Apple Support response: the first-level person should have been able to help, they don’t know why they couldn’t, and they’ll send feedback for the first-level agent to be coached. In my example above, it turned-out it was a bug with the transaction display. When I deleted and re-added my Apple Card, the “balance adjustment” properly showed as the refund. It was all too similar to a typical Apple Support experience.
Once you get to the second-level support, they are able to help, with the included standard Apple Support response: the first-level person should have been able to help, they don’t know why they couldn’t, and they’ll send feedback for the first-level agent to be coached. In my example above, it turned-out it was a bug with the transaction display. When I deleted and re-added my Apple Card, the “balance adjustment” properly showed as the refund. It was all too similar to a typical Apple Support experience.
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Leave it be, this has happened to me a couple of times, despite me calling to pay for it they never charged, so of course I feel dirty and guilty for using free stuff, of course I leave the money in the account in case they finally audit it but it’s been two years already 🫠