How to report a transaction issue or dispute a charge to your Apple Card

You can report Apple Card transaction issues from your iPhone or iPad.1

How to report an issue

Before you complete these steps, be sure your device has the latest version of iOS or iPadOS.

  1. On your iPhone, open the Wallet app and tap your Apple Card. On your iPad, go to Settings and tap Wallet & Apple Pay.

  2. Under Latest Card Transactions, tap the transaction that you want to report.

  3. Tap it again, then tap "Report an Issue."

  4. Tap "The merchant information for this transaction is incorrect" to report issues like inaccurate location information on Apple Maps.

  5. Tap "I need help with this transaction" to submit a dispute.

    • Tap "Continue to Chat." The Messages app opens with a pre-written text message about the transaction you need help with.

    • Tap the Send button.

    • To report your issue, you must answer all questions, review your responses, and submit the form. Goldman Sachs will review your completed form and initiate a transaction dispute. Check your email or Wallet for updates on the status of your dispute.

  6. If you believe your card or personal information has been compromised, select "I want to report a compromised card and request a replacement."

    • Tap “Continue to Chat.” The Messages app opens with a pre-written text message about the transaction you need help with.

    • Tap the Send button.

    • Answer all questions presented to report your issue. Once your responses are received, Goldman Sachs will open a case based on the details provided and process your card replacement request.

If it's an Apple transaction

To request a refund for apps or other content from Apple:

  1. Open the Wallet app, then tap Apple Card. Under Latest Card Transactions, tap the Apple transaction, then tap it again.

  2. Tap "Report an Issue."

  3. Tap "I need help from Apple with this transaction." Then tap "Report a Problem to Apple." Sign in with your Apple Account and password.

  4. Under "What can we help you with?" tap "Request a refund," then complete the form and tap Submit.

  5. Check your email for updates on the status of your refund.

If it's an Apple Store transaction

If your issue is about a purchase you made at Apple Store Online, you can check your 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 you want to report a dispute with an Apple Store purchase to Goldman Sachs:

  1. On your iPhone, open the Wallet app and tap Apple Card. Under Latest Card Transactions, tap the Apple Store transaction, and then tap it again.

  2. Tap "Report an Issue," then tap "I need help with this transaction."

  3. Tap "Continue to Chat." The Messages app opens with a pre-written text message about the transaction you need help with.

  4. Tap the Send buttonthe send icon.

If you're part of an Apple Card Family account

Only Apple Card owners and co-owners can report transaction issues in Wallet.2

Before you dispute a charge, check with other Apple Card Family members3 to see if they might have made the transaction.

How Apple Card disputes are handled

  • After a dispute is received, it can take up to two complete billing cycles, but no more than 90 days, to resolve.

  • When your dispute begins processing, a confirmation email is sent to your Apple Account email address.

  • You may receive a temporary credit for the disputed amount.

  • While your dispute is being investigated, you aren't required to pay the disputed amount or any related interest charges.

Goldman Sachs may contact you by email to request additional information about your dispute.4

If your dispute is approved

Goldman Sachs evaluates your information to make a final decision about your dispute or transaction issue. If your dispute is approved, any temporary credit you received — including credit for interest charges — becomes permanent. After the dispute is approved, if the merchant also issues you a credit for the disputed transaction, the permanent credit may be reversed.

If your dispute isn't approved

  • All or a portion of any temporary credit 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 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.

  1. Billing Error Notices are a type of transaction dispute protected under the Fair Credit Billing Act. For more information and instructions on 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 6112 [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.

  2. Each Co-Owner is individually liable for all balances on the Co-Owned Apple Card, including amounts due on your Co-Owner's account before the accounts 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. Co-Ownership involves risk, including payment history and other information about your Apple Card, including negative items like missed payments. Addition of new Co-Owner or merging existing accounts is subject to credit approval and general eligibility requirements. For Apple Card eligibility requirements, click here. 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.

  3. Apple Card Family Participants and Co-Owners do not need to have a familial relationship but must be part of the same Apple Family Sharing group.

  4. Customers who have declined e-sign consent will receive certain communications via mail.

To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch.

Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Goldman Sachs Bank USA for Apple Card and Savings accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank.

If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.

Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

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