Apple Card is issued and serviced by Goldman Sachs Bank. If you’re having account issues please talk to an Apple Card Specialist at Goldman Sachs Bank.
Ignoring an account because you >closed< an account does not remove your liability for charges. Late payments will lower your credit score and a default a default may lower your score by 100’s of points. Late payments and defaults stay on a credit report for 7 years. This can affect your ability to get other credit cards, cause higher insurance rates, prevent you from getting a home loan, and many more financial consequences.
https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf
CONTACTING — Goldman Sachs Bank
- Write to: Goldman Sachs Bank, Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112.
If you feel the charges are inaccurate and you can’t resolve the issue with Goldman Sachs, please contact the Consumer Financial Protection Bureau (CFPB). They are a federal agency that helps with issues you’re confronting.
https://www.consumerfinance.gov/complaint/