Unintentionally purchasing a digital Apple Gift Card with Goldman Sachs Apple Card instead of funding Apple Cash

That's true, but in this case I can guarantee that I started out in the Apple Cash app - the black card - chose my family member's name, typed in the amount, got a notice that informed me of insufficient funds (which I knew and expected) with an option to "add card" which I chose and was able to choose the Apple Goldman Sachs card. Beyond that, I'm unable to reproduce what happened because I'm not willing to compound the problem by enabling Goldman Sachs to do it, again, but I can guarantee you, it was a seamless process, and that at no time did it suggest that the funds would go anywhere other than the Apple Cash app. There is an issue with the interaction between the Goldman Sachs Apple card, and Apple in that Goldman Sachs seems to automatically route this workflow to the Apple Account instead of realizing the request is coming from Apple Cash, and if they don't want to provide access to the funds in the savings account, then they should just ignore the request like my other card did. I did try to use another card, first, and it did nothing, so I went through the process, again, trying with the Goldman Sachs Apple card, and that's when things went off the rails. I have already contacted Apple regarding this issue, Things won't improve if we just give up and roll over. This is not the first problem I've had with this Goldman Sachs card, and the relationship between Apple and Goldman Sachs is uncomfortably cozy. Fairness to the consumer should be a priority.

[Edited by Moderator]

I'm sorry if I sound threatening by sharing my action plan to try to get the situation corrected. I have already contacted Apple support and am in a holding pattern because apparently this is not an easy situation to fix. I was told it might take a month, or even longer, though they said they would have more information for me within 48 hours, so I told them I would give them 48 hours.

Considering that the category I chose for this incident was the Apple Card and Goldman Sachs is currently the only bank option available for the Apple Card, I thought that would be related, and not a tangent. I'm happy to hear that they might not remain a partner. I think Apple can do better, and would recommend Citibank, or even Bank of America, both of which have a long track record of following consumer protection laws. I've heard Goldman Sachs is a relative newcomer to the credit card industry.

Hi. I wanted to update you both and let you know I awoke this morning to an email saying there had been a change to the "Report a problem" status even though I was never able to report it through the interface because of the lack of a button for that charge, and had only been able to reach out through the general number. (My call was taken by a nice young man who seemed genuinely sympathetic to my frustration. He did all he could, and I really appreciate that. I applaud Apple for still having a support person available at the end of all the automation, even if he could not immediately correct the situation. Please never change that. AI can never, and should never, replace actual people when it comes to customer service where it's very important that a true human connection is made. Ultimately, successful companies require good relationships with customers, and real relationships are between humans.) Thank you, Apple, for doing the right thing. Now we'll see if Goldman Sachs returns my money before Christmas, if at all, and if I complain to any higher authority, it will be about Goldman Sachs with the screenshot of the Apple refund as part of the evidence that they need to give my money back. Namaste.

It is in my wallet, but I don't want to buy anything from Apple. I wasn't trying to buy anything from Apple. I do realize, now, after experiencing this problem and reading up on it that only debit cards can be used as a source for Apple Cash, but to have it allow me to click on the Goldman Sachs Apple Card and just send Apple money with no warning or recourse seems problematic. (Also, I have the associated savings account with money in it so I thought it might be able to draw from that.) I didn't want to use the Goldman Sachs Card in the first place and had initially clicked on another credit card that I've had for decades that has been much more reliable in terms of customer service, and that one did nothing which is why I tried the Goldman Sachs card thinking maybe since it was "Native", and attached to a savings account, it might work. Ideally, there would be a "Not eligible for Apple Cash funding" error message, but if it's between doing nothing and sending cash to Apple, I would rather it do nothing. Would've been nice to at least get a confirmation "You are sending Apple $XXX. Are you sure you want to do this?" At least then I would've had the opportunity to cancel.

Hi. I appreciate your continued efforts to help. It charged my Goldman Sachs Apple Card, and I think you're right that it's a "credit" at Apple and not technically a gift card, but it doesn't really matter what it's called. The problem is still the same. I didn't want to send money to Apple in any form for anything. Apple has not provided me with anything in return for this transfer of funds, and I had no intention of buying anything from Apple. I was not warned that I was buying anything from Apple, and I don't want Apple to have my money. You can see it here in this screenshot of my account, but there's no option to return it. I have also attached the view from my phone, showing the charge on my Goldman Sachs Apple card. For something that was very easy to do, it sure is hard to reverse. It shouldn't be this way. Even a single confirmation screen in this workflow could've prevented this, but there was nothing, and now there are no visible options to correct this.

That's fine. I'm not trying to profit off this issue. I'm not asking for any perks or anything from either Apple or Goldman Sachs. I just want my money back. I never intended to send this money to Apple. I was not warned ahead of time that I was participating in a transaction with Apple as the vendor. We had no intention to purchase any products or services from Apple. Thank you for your assistance in getting this issue corrected. I would say that since this is not an isolated incident (albeit the others mentioned were debit cards, and not the Apple Goldman Sachs credit card), there ought to be a confirmation screen added to the workflow process to prevent future incidents.