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Comment by camkego

2 days ago

Didn't a HN reader/poster get locked out of his Apple accounts because of late payments or some other type of issue with an Apple Card credit card?

If this can happen, I don't plan on ever getting one.

6 comments

camkego

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apaprocki  2 days ago

I had thousands of dollars of charges I didn’t make (but billed electronically via Apple as if my card was attached to someone else’s iCloud account) appear, exceeding my limit and locking my entire family out of the shared Apple subscriptions (e.g. no music on their devices but strangely music on mine). GS could remotely lock your Apple account at will it seemed.

Called, charges reversed, 1 month later they were all reinstated, no reason. Called, charges reversed again, 1 month later they were all reinstated and my Apple Card was cancelled by GS. Since I still had it linked as my payment method w Apple this again locked my whole family out of subscriptions. GS gave no explanation for why the account was closed, but it was after they reversed the charges a second time. Balance was $0, account closed, no recourse. Then 1 month later all the reversed charges were reinstated and on the now locked account and I had no recourse but to pay GS’s ransom because it was a closed account that would be reported if I didn’t pay.

I have CCs from a number of banks and it was by far the most ridiculous consumer experience. No wonder GS wants to exit the consumer market because they are terrible at it. Chase is better, but it’s no AmEx. Sad that it’s not AmEx.

Now I’m wondering if I can get a new account under Chase because I’m definitely never calling GS again.

  • delfinom  1 day ago

    You clearly never experienced chases anti-fraud division. Who will, without warning, close all of your chase accounts because you used a credit card at the wrong store at the wrong time and you set off whatever fraud score. And csr will not help you as the anti fraud system is treated as god.

    • TheNewsIsHere  1 day ago

      A client of mine pushed her business expenses through a Chase account. She banked with them too.

      She traveled to the “wrong” country. A country that is not and was not embargoed or sanctioned. A country that the US is/was on good terms with. She had been there and used her Chase card previously. She didn’t do anything out of the norm.

      Chase closed all her accounts with no notice while she was traveling and refused to provide a reason. I told her to sit on my invoices while she scrambled and got things sorted out.

      It took months. They refused to send her the balance of her asset accounts until she threatened to sue them and air the calls she recorded.

      I have kept a healthy distance from relying on Chase ever since.

    • apaprocki  1 day ago

      Funny you mention that. I did open a joint Chase account back when I was getting married and first order of business was paying for all the wedding expenses. We went to QR, Mexico for a weekend getaway prior to the madness and because I logged into the Chase account from Mexico they not only locked the bank account, but completely closed it with no way to reopen. We had to both go to the Chase branch at which it was opened with passports and even then the manager said Chase would mail me the money in 3-6 weeks, 2-5 weeks after the wedding. I politely told him I was not leaving the building until he handed me the cash in an envelope and after some time he finally caved and did it after making some phone calls.

      Most bizarre experience. Never had a bank account with Chase ever again after that incident.