Dispute a charge to your Apple Card
You can dispute charges or report transaction issues for your Apple Card account on your iPhone or iPad.1
How to dispute a charge on your Apple Card
On your iPhone, open the Wallet app.On your iPad, go to Settings and tap Wallet & Apple Pay.
Tap Apple Card.
Under Latest Transactions, find and tap the transaction that you want to dispute.
Under Transaction History, tap the transaction again.
Tap Report an Issue.
Select the issue that you're experiencing, then tap Continue.
Tap Continue to Chat.
When a pre-written message opens in the Messages app, tap the.
After 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. If you receive a form, you must fill out and submit it in order for Goldman Sachs to receive and investigate your dispute.
If the transaction says Apple
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 the transaction says Apple Store
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 transaction is pending
If the charge that you want to dispute is still pending, contact the merchant to resolve your issue or wait until the transaction clears.
Merchants often place a hold on your card at the time of purchase. Sometimes, this hold may be for a higher amount than what you actually spent. Wait until the transaction clears to confirm that you were incorrectly charged. Most transactions clear within 7 business days. Certain charges, like those for airlines and hotels, may take longer to clear.
If you're part of an Apple Card Family account
If you're the account owner or co-owner, you can see which participant or co-owner made the transaction. Account owners and co-owners can dispute any transaction made on their 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. You can also lock a participant's shared Apple Card account. This will prevent them from spending on the account until their account is unlocked.
If you're an Apple Card Family participant, you can only dispute your own transactions.
How Apple Card disputes are handled
A dispute can take up to two billing cycles to be resolved after it's received. When your dispute begins processing, a confirmation email is sent to your Apple ID email address. You may receive a temporary credit for the disputed amount and any interest charges related to the transaction. During this time, you aren't required to pay the disputed amount and the charge doesn't accrue interest.
We'll keep you updated regarding the status of your dispute via email.3
If additional evidence is requested
We may contact you to request additional information about your dispute. Examples include receipts, tracking numbers, or written interactions with the merchant. Based on the information that you provide, the merchant may also be contacted for additional information. Merchants may have up to 45 days to respond.
If your dispute is approved
All evidence is evaluated to make a final decision on each dispute. If your dispute is approved, the temporary credit you received — including credit for any interest charges — becomes permanent.
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 isn't approved
All or a portion of the temporary credit that was applied to your account while your dispute was being investigated will be reversed. This amount will appear as a transaction in the Wallet app and on your next monthly statement. Your account balance will automatically increase by the amount of the reversed credit. Be sure to pay your minimum payment due to keep your account current.
For 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. Box 7247, Philadelphia, PA 19170-6112. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch. 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. You won't be liable for any unauthorized transactions made on your account.
Each co-owner is jointly and individually responsible for all balances on the co-owned Apple Card including amounts due on the existing co-owner’s account before the accounts are merged. Each co-owner will be reported to credit bureaus as an owner on the account. In addition, co-owners will have full visibility into all account activity and each co-owner is responsible for the other co-owner’s instructions or requests. Credit reporting includes positive and negative payment history, credit utilization and additional information. Card usage and payment history may impact each co-owner's credit score differently because each individual's credit history will include information that is unique to them. Addition of a new co-owner is subject to credit approval and general eligibility requirements. Learn more about Apple Card eligibility requirements. Either co-owner can close the account at any time which may negatively impact your credit and you will still be responsible for paying all balances on the account. For details on account sharing options including some of the risks and benefits, click here.
Customers who have declined e-sign consent will receive communications via mail.
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