How to resolve issue with Apple Card charging me for a computer that was returned and refunded.

Hello everyone. I need some help.


Back in August of 2023 I purchased a MacBook Air online. I opened an Apple Card account at the same time to make this purchase. The Macbook arrived DOA. Apple Store said I had to return it but since it was a special order with extra RAM, they couldn't exchange it in the store. Fine, I went home and phoned Apple. The person I spoke to seemed to not really know what they were doing but eventually they got my exchange moving.

I shipped the DOA computer back to Apple but never got a replacement. After going back and forth with Apple for a couple of weeks I got a supervisor who said that what they'd do is just cancel the order, and I could then just go ahead and place a new order from scratch.

Ok, I did place a new order but I didn't use the Apple Card for this purchase.


Now, I have documents showing that Apple got the return and that my refund was being processed. I also have invoices showing that the cost of the computer, apple care and the amount for what would have been my trade in on my old MB Pro, were all refunded to my card.


Goldman Sachs still says that I owe for this computer.


It's been almost ten months of spending hours and hours on the phone with them every couple of weeks getting the same runaround. I've sent the documentation in three times. Yet they can't or won't resolve this.


I'm now starting to get calls from debt collection agencies.


Today I spent two and a half hours on the phone (for probably the twentieth time) with Goldman Sachs and Apple. I was on a conference call with at various times four different people from GS and three from Apple. Apple people saying "yeah. the refund was issued" and GS saying "well, we don't see it". Finally I was transferred to a GS person who basically said "I can't do anything...look for an email to send your documentation again" and then she hung up on me.


What the ****?


What do I have to do to get out of this nightmare? I can't afford to hire an attorney or I'd have done that a long time ago.


If anyone has any advice or suggestions I'd be grateful. Thank you very much.





Posted on May 22, 2024 2:35 PM

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Posted on Jul 24, 2024 5:41 AM

Update July 24th 2024: I submitted a complaint agains Goldman Sachs with the CFPB on June 8th. Today I received notice that they had responded to the CFPB. I logged in and saw that they acknowledged the mistake (to the CFPB but not to me) and my account balance was erased and set to $0.


This is finally over after almost a year of dealing with this.


Thanks again Jeff for suggesting the CFPB. The process of filing the complaint was fairly simple and straight forward. I'd encourage anyone finding themselves in a similar situation to do the same.

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Question marked as Top-ranking reply

Jul 24, 2024 5:41 AM in response to zlazorge_tex

Update July 24th 2024: I submitted a complaint agains Goldman Sachs with the CFPB on June 8th. Today I received notice that they had responded to the CFPB. I logged in and saw that they acknowledged the mistake (to the CFPB but not to me) and my account balance was erased and set to $0.


This is finally over after almost a year of dealing with this.


Thanks again Jeff for suggesting the CFPB. The process of filing the complaint was fairly simple and straight forward. I'd encourage anyone finding themselves in a similar situation to do the same.

Jul 8, 2024 5:03 AM in response to Jeff Donald

Thank you Jeff for the advice and link to the CFPB. I have been waiting for the outcome of my latest (I believe the sixth) dispute "investigation" from Goldman Sachs which they claim again that despite my very complete documentation, there was no billing error and the merchant charges would remain on my card.


I went ahead and filed a complaint against Goldman Sachs with the CFPB this morning. It was a fairly easy process online.


I will post updates to this in case as it unfolds. Maybe it might help others who are going through a similar situation.


Thanks again.

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How to resolve issue with Apple Card charging me for a computer that was returned and refunded.

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