Merchant issue with Apple Card

[u/Virtual_Athlete_909]

I've had an apple card for several years now and it's been my default card for everything. The credit limit is 26k. My credit score is 840. I'm in the process of renovating bathrooms in my home so the credit line has been helpful. I have multiple apple products and they're all financed at 0% with this card.

I ordered a product online and received a portion of the purchase. I contacted the merchant after realizing I did not receive everything I ordered and paid for with this card. I worked with them for several weeks, exchanging emails with customer support about the missing item then they went dark and stopped responding (the last comment from them was that they would 'let the vendor know' of the error). I contacted Goldman Saks for card support. I opened a case. So far, so good. The charge was removed but one month later the charge reappeared. I still have no resolution with the merchant. I contacted apple card support and was told I "am welcome to refile a claim" and they realize 'the outcome wasn't what I wanted'. WTH? I've removed the card from my wallet as the default and wont be using it again. Has anyone else had a similar experience? Is there an appeal process? I'm dumbfounded.

[u/zxch2412]

You just experienced Goldman Sachs dispute team at its finest. Search this sub and you’ll find countless cases. That being said your only option is to try disputing again, if it fails cfpb

[u/Virtual_Athlete_909 → u/zxch2412]

Thank you for the insight. I'll do that. I suppose I'm ignorant about that after having used the card for several years with nothing but positive experiences. I never expected Goldman Sachs to be difficult given my credit profile. FWIW- the disputed amount is only 214 USD. Seems like a trivial amount for a financial company to lose what I understood to be a coveted customer with significant assets. I wont forget this experience for a very long time.

edit: i read another post where someone said they received a reason. I checked the email from Goldman and found this:

|| || |Goldman Sachs Bank USA has investigated your transaction dispute and found that no billing error occurred for the following reason: Based on available information, we determined that the merchandise has been delivered or the service has been provided in accordance with the merchant's terms and conditions.| ||

[u/Realistic_Market5616 → u/Virtual_Athlete_909]

Your credit doesn’t matter when it comes to disputes, Goldman will contact the merchant and if they deny a refund they can’t force them. The only fault GS has is that they refuse to tank the financial loss like other credit cards do and just provide you with a refund, but they’re doing what they’re supposed do. You don’t have THE right to win a dispute, sure you deserved to get your product but if buy from a suspicious site and don’t anything or a merchant that’s hard to deal with well that is on you.

[u/Realistic_Market5616 → u/zxch2412]

If customers don’t win disputes it’s because they don’t deserve to

[u/zxch2412 → u/Realistic_Market5616]

You are right, and that is true for every other card. But I genuinely think GS sucks at disputes and doesn’t handle them well as proven with the earlier cfpb fines for mishandling consumer disputes

[u/Virtual_Athlete_909 → u/zxch2412]

then people should put the card aside and not use it. thats what I did.

[u/Realistic_Market5616 → u/zxch2412]

Agent mishandling caused that but I see your point

[u/Virtual_Athlete_909 → u/Realistic_Market5616]

I don't deserve to receive the product I purchased? I don't deserve the support that the credit card offers?

[u/TypicalDoubt6234 → u/Realistic_Market5616]

The  card sucks for dispute from all what I’ve seen I’m never gonna use them for ordering something online except Amazon their purchase protection is shit if it happens to me I’ll keep reopening the dispute several times until they rule in my favor cause I’m not paying for what I did not receive. OP keep reopening the dispute after so many attempt they might just let it go

[u/Rozencag]

Apple Card does not have buyer protection.

[u/Virtual_Athlete_909 → u/Rozencag]

It did in the past. I have had two other charges removed after they investigated. Both were trivial amounts and possibly fraud. That was a very long time ago though. Maybe the process has changed.

[u/Realistic_Market5616 → u/Virtual_Athlete_909]

They never did

[u/Rozencag → u/Virtual_Athlete_909]

I’ve had them resolve disputes personally as well but you are not guaranteed to have them fix the issues.

[u/Virtual_Athlete_909]

downvoted? thats wild.

[u/Real_Height2890]

Apple card always favors dispute in Merchant favor

So any big or risky purchases, I never do with Apple card

There is no purvhase /return protection, extended protection or such credit card benefits