How can someone steal my Apple Card (Goldman Sachs)??

The most important thing that you can do is review the information provided here about recognizing phishing messages. It sounds like you may have fell for a previous message or email that claimed to be from Apple and you inadvertently gave out your Apple ID and Password. With the proper Social Engineering they can set up a new device with that Apple ID and Password that you gave them and attempted to make a purchase. The security measures Apple has declined the transaction because you did not authorize the charge on your device, so that worked perfectly.

Apple can protect your device, but cannot stop you from giving out personal information. That is something only you can do or should I say not do. Apple will not call you are text you asking for personal information. While you think Apple should call you to verify the transaction, that is the exact method a scammer would use to compromise your information and Apple is not going to do that. Knowing that Apple is not going to call/text you for any information is the exact reason why you should never be giving it out.

Recognize and avoid social engineering schemes including phishing messages, phony support calls, and other scams - Apple Support (CA)

If you had inadvertently gave someone your Password/Passcode, then both of those need changed:

• Change your Apple Account password - Apple Support
• Set a passcode on iPhone - Apple Support

In addition for Apple Card security, you can change the virtual card numbers with a tap of a button in the Wallet app.

It would obviously seem possible that the unspecified declined $13,000 transaction was directly involved, and the caller was quite possibly associated with whatever happened there. A scam website, for instance. Lots of those around, nowadays.

Goldman Sachs will generally text you if a large transaction is declined. The text reads something like, “was this you” and gives you options to approve or decline (It wasn’t me) the transaction via text. The declined transaction will also show in your Apple Card in your wallet. The text will be in red and a red line strikes through the word declined. Did the transaction show in your Wallet?

The fact your trust was shaken has more to do with your lack of understanding how Apple Pay and your Apple Wallet work and why it’s currently considered the most secure and private form of payment.

Sorry, I’m extremely familiar with Goldman Sachs customer support. The majority of it is in Orlando, FL. Yes, there are many Hispanics in Florida.

You didn’t get a fraud alert because it never got to the fraud department. Once the card was over limit, the decline is issued and no further investigation was required. That’s how all banks (credit cards) work.

Jeff Donald wrote:

It was the scammers. GS wouldn’t ask for codes and hang up when a supervisor was requested.

Yeah, whether the OP initiated that declined transaction (potentially with a sketchy website or service), or the scammers initiated that transaction using the card numbers (and then tried to complete it), or the scammers “just” sent a phishing message with that claim (as is a common scam), wasn’t clear from the posting.

It was the scammers. GS wouldn’t ask for codes and hang up when a supervisor was requested.

So, you want your bank to track your location 24/7? American Express operates exactly the same way. If over limit, transaction is declined. Show me an over limit declined transaction that AmEx then declared fraudulent?

If you were using an AmEx charge card (Green, Gold, Platinum etc.) with no set limit, then transaction are approved differently. But now you’re comparing two different products and there are two entirely different approval processes. However, AmEx credit cards are approved the same way Apple Card is approved.

I think it was a phishing attempt and follow-up with a phone call. The card was declined for over limit. No customer support team calls on over limit charges. Send a text and be done with it. Customers are expected to know their credit limit. This was obviously scammers.