Contact us immediately if you believe any physical Apple Card or any eligible device with an Apple Card has been lost or stolen, any credentials have been compromised, or your account has been accessed without your permission. ![]() Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch. Be sure to pay your minimum payment due to keep your account current.įor information about filing a Billing Error Notice, which is a type of transaction dispute, review the section of your Apple Card Customer Agreement titled "Billing Rights Summary." As explained in the Customer Agreement, Billing Error Notices must be in writing and mailed to Goldman Sachs Bank USA, Lockbox 6122, P.O. Your account balance will automatically increase by the amount of the reversed credit. This amount will appear as a transaction in the Wallet app and on your next monthly statement. If your dispute isn't approvedĪll or a portion of the temporary credit that was applied to your account while your dispute was being investigated will be reversed. If the merchant also issues you a credit for the disputed transaction after the dispute is approved, the permanent credit may be reversed. If your dispute is approved, the temporary credit you received - including credit for any interest charges - becomes permanent. If your dispute is approvedĪll evidence is evaluated to make a final decision on each dispute. Merchants may have up to 45 days to respond. Based on the information that you provide, the merchant may also be contacted for additional information. Examples include receipts, tracking numbers, or written interactions with the merchant. We may contact you to request additional information about your dispute. We'll keep you updated regarding the status of your dispute via email. During this time, you aren't required to pay the disputed amount and the charge doesn't accrue interest. You may receive a temporary credit for the disputed amount and any interest charges related to the transaction. When your dispute begins processing, a confirmation email is sent to your Apple ID email address. How Apple Card disputes are handledĪ dispute can take up to two billing cycles to be resolved after it's received. If you're an Apple Card Family participant, you can only dispute your own transactions. This will prevent them from spending on the account until their account is unlocked. You can also lock a participant's shared Apple Card account. 2 Before you dispute a charge, it's helpful to check with the participant or account co-owner who made the transaction. Account owners and co-owners can dispute any transaction made on their shared Apple Card account. ![]() If you're the account owner or co-owner, you can see which participant or co-owner made the transaction. If you're part of an Apple Card Family account Certain charges, like those for airlines and hotels, may take longer to clear. Most transactions clear within 7 business days. Wait until the transaction clears to confirm that you were incorrectly charged. ![]() Sometimes, this hold may be for a higher amount than what you actually spent. Merchants often place a hold on your card at the time of purchase. If the charge that you want to dispute is still pending, contact the merchant to resolve your issue or wait until the transaction clears. If the charge that you want to dispute says Apple Store, you can check order status, track a delivery, view pickup details, edit your delivery or email address, print an invoice, and more by checking your online Order Status. If the charge that you want to dispute says Apple, you can request a refund for apps or content that you bought from Apple. If you receive a form, you must fill out and submit it in order for Goldman Sachs to receive and investigate your dispute. Īfter you send a Message, you'll either receive a form requesting more details about your dispute, or you'll be directed to an Apple Card Specialist. When a pre-written message opens in the Messages app, tap the Send button. Select the issue that you're experiencing, then tap Continue. Under Transaction History, tap the transaction again. Under Latest Transactions, find and tap the transaction that you want to dispute. On your iPhone, open the Wallet app.On your iPad, go to Settings and tap Wallet & Apple Pay. 1 How to dispute a charge on your Apple Card You can dispute charges or report transaction issues for your Apple Card account on your iPhone or iPad.
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