I’m trying to apply for an Apple Card. I keep getting “we can verify your identity” and denied
I called support which gets me thru to Goldman Sachs. The agent was super nice but kept saying answer the questions and then scan your ID there’s a box that should come up to do that. No box.
I tried to apply from my computer and my phone. No opportunity to scan my ID.
Anyone know of a work around?
You may have applied too many times in the last 30 days. If you apply too often the system will just say no. I would wait 30 days before applying again. But this will give you time to review the data that needs to match and correct any errors in your credit report.
I can understand the challenges you’re facing. Here are several links to support articles that address a few of the challenges,
Identity verification for Apple Card or Apple Cash - Apple Support
These IDs need to match your Name, Current Address, DOB, Social Security Number,
• State issued Drivers License or State ID – must have current address, correct DOB, SSN, full legal name and not be expired
• TransUnion credit report and you can get a free copy of your credit report at this link — all the information must match your State issued Drivers License.
https://www.annualcreditreport.com/index.action
• Apple ID. You can edit/adjust your information with help from this article,
Update the birth date associated with your Apple ID - Apple Support
Change your Apple ID country or region - Apple Support
Manage your Apple ID
Because your Apple ID is used across all your devices and services, it's important to keep your account information up to date. Simply sign in to appleid.apple.com at any time to manage your account:
Confirm your shipping address is correct and matches the correct address on all your other documents.
• Lastly your application for Apple Card MasterCard must match all the above information.
A common error is expired Drivers License, and using an incorrect address or address that can’t be verified. Why can’t my address be verified? Check with the post office and see what the official address is for where you live. Then make sure your DL, credit report and you application and Apple ID have exactly the same address.
Why can’t Apple and GS help? My suspicion is privacy requirements and limits of the two companies policies. They share some information, but not all.
Why is positive ID required?
The Patriot Act requires that lenders, banks etc obtain a confirmed ID.
“To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.”
You may have applied too many times in the last 30 days. If you apply too often the system will just say no. I would wait 30 days before applying again. But this will give you time to review the data that needs to match and correct any errors in your credit report.
I can understand the challenges you’re facing. Here are several links to support articles that address a few of the challenges,
Identity verification for Apple Card or Apple Cash - Apple Support
These IDs need to match your Name, Current Address, DOB, Social Security Number,
• State issued Drivers License or State ID – must have current address, correct DOB, SSN, full legal name and not be expired
• TransUnion credit report and you can get a free copy of your credit report at this link — all the information must match your State issued Drivers License.
https://www.annualcreditreport.com/index.action
• Apple ID. You can edit/adjust your information with help from this article,
Update the birth date associated with your Apple ID - Apple Support
Change your Apple ID country or region - Apple Support
Manage your Apple ID
Because your Apple ID is used across all your devices and services, it's important to keep your account information up to date. Simply sign in to appleid.apple.com at any time to manage your account:
Confirm your shipping address is correct and matches the correct address on all your other documents.
• Lastly your application for Apple Card MasterCard must match all the above information.
A common error is expired Drivers License, and using an incorrect address or address that can’t be verified. Why can’t my address be verified? Check with the post office and see what the official address is for where you live. Then make sure your DL, credit report and you application and Apple ID have exactly the same address.
Why can’t Apple and GS help? My suspicion is privacy requirements and limits of the two companies policies. They share some information, but not all.
Why is positive ID required?
The Patriot Act requires that lenders, banks etc obtain a confirmed ID.
“To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.”
You’re welcome. The first step is to get your TransUnion credit report so you can see what Goldman Sachs is seeing. Make sure name, social security number and current address are perfect.
Please reply if you have any question, but don’t post any personal information.
I have gotten this exact same answer for two months. I have chatted, called, sent them my driver's license picture, and tried to get someone from Apple or Goldman Sachs to tell me why they can't verify me, especially since I had a card in the past. No one will tell me what the problem is, how to fix it, or if it even can be fixed. I have no trouble applying for other cards, this is just an Apple Card issue. I've basically given up on trying to get an Apple Card at this point.
yes I checked all info. When applying there is no place/opportunity to scan or import my license. When I spoke to the GS agent she was clear, they won’t approve without be importing my license or form of ID. I am unable to do this as the option just doesn’t exist in the application process for me. I tried a different t browser too with no luck at all. To my understanding that is the only thing that’s stopping me from being approved.
If there is help to be had, I would gladly appreciate it. I just assumed at this point it was a lost cause as I said I’ve been trying to apply for over two months now. As for why I got rid of the card originally it was because I got rid of my iPhone. I have another iPhone now so I wanted to get the card again.
My credit is pretty much perfect. I don’t think that’s the issue. The issue is that I have no ability to scan and send my drivers license so GS can verify my identity. Hopefully this will change with waiting but it does seem a little crazy that this is the case.
Did you want help with your issue or just expressing a little frustration? Either way, OK.
You mention you had an Apple Card in the past. What happened and why did you cancel it? If there was a problem that may be why you're having the problem re-applying.
Tried about 6 times in all Jeff. The agent at Goldman Sachs had no answer for me and referred me back to Apple but it’s a closed loop as Apple point you to Goldman Sachs..
If I said I had a card in the past I’m sorry for misleading. I have never possessed an Apple card
Thanks Jeff. This is very helpful. I’ll pop back in either way in a month after I’ve reapplied
Did you check all information I shared in my post above?
Why can’t you share your Drivers license?
Use your iPhone.
There are no workarounds to federal banking regulations. How many times have you tried verifying your account recently?
Apple Card application nightmare
