topic Re: Apple Card Weird Reporting in General Credit Topics

Apple Card Weird Reporting

Anonymous — Tue, 22 Jun 2021 05:15:52 GMT

It's now the 21st of June and my Apple card hasn't reported to EX or TU but reported to EQ on the 10th. The last update prior is showing 4/30. What's with them?

Re: Apple Card Weird Reporting

hawkins — Tue, 22 Jun 2021 09:04:51 GMT

This is a common problem unfortunately. I have grown a bit frustrated with GS and their lack of being able to report things correctly and on time. They want you to spend spend spend on the card to even get a CLI but wont do what is needed for people to keep UTI down ect... Some months they even just skip reporting all together at least in my case. A pain in the you know what. They claim they are moving faster to report and some times they actually did do it faster but that seems to vary month to month with them.

Re: Apple Card Weird Reporting

phoenix12 — Tue, 22 Jun 2021 10:03:21 GMT

The same thing is happening to me. However, it did not report to EQ for me until 6/20. I am still waiting on TU and EX to update as well. I want to assume that because EQ reported that GS has sent the report out already and that it's just a delay on the bureau, but knowing their reporting track record it's hard to assume such. I only have my Apple Watch on the card, and I am going to just pay off the installment plan early and put the card in the drawer. It's not worth putting anything on it because of issues like this...

I'm not sure if I will file a dispute with TU and EX to try and get my utilization down a bit. I'll try and wait out the rest of this week. I wonder if anyone else in the forum are having issues like this as well, or if they have more insight regarding this awful reporting of GS.

Re: Apple Card Weird Reporting

Anonymous — Tue, 22 Jun 2021 15:02:49 GMT

@Anonymous wrote:
It's now the 21st of June and my Apple card hasn't reported to EX or TU but reported to EQ on the 10th. The last update prior is showing 4/30. What's with them?

I'm in the same position with my Apple card. A lot of my accounts haven't been reporting in a timely manner lately though. And often times once they do report the report date will be a week or more in the past. I'm not sure if the reporting delays are the fault of the CC companies, the CBs, or both. But, at least for my profile, it doesn't seem to be an isolated occurence.

Re: Apple Card Weird Reporting

growthadvocate — Tue, 22 Jun 2021 18:11:59 GMT

Sadly, you're not alone @Anonymous @hawkins @phoenix12 @Anonymous this isn't an isolated incident.

I posted several months ago about my frustrations with the lack of accountability and consistency from GS. Unfortunately, while things have improved, they're still not at a level one would expect from a large financial institution.

As far as June's reporting, I personally received an update with EQ, but did not with TU or EX. I was patiently waiting, and after making several calls to GS, EX and TU decided that if I needed it updated this month, I would need to take action myself.

My EQ was reported on June 10th. GS stated that they sent all 3 bureaus the information on the same day. TU and EX stated they did not recieve anything in June from GS. I'll add, several other of my accounts updated with TU and EX as scheduled during this time without issue--while I know the CRA's can have delay issues at times, it wasn't the case this month.

Personally, I planned a couple of app's this month and it was important to get my Apple/GS account updated because I needed the balance to be updated prior to my spree. Unfortunately, I did not PIF in April. Lesson learned. Of all accounts, this is certainly an account to be PIF every month, given the inconsistencies, you never know if they will report each month. So if you carry a balance one month, you may be carrying it for consecutive months.

I was fortunately able to upload my June statement for TU and EX to review. They then updated the account information to reflect the changes. It took some effort on my part, but I was able to get this done rather quickly. So if any of you need the account updated because of financing reasons of your own, know that you can get it resolved if you put in the time.

Meanwhile, don't expect GS to resolve this anytime soon. I've had more conversations with tier 2 and 3 managers than I'd like re: reporting issues since opening the card. My advice if you already have the card, PIF if you use it. For those that don't have the card, there are better cards available.

Re: Apple Card Weird Reporting

blindambition — Tue, 22 Jun 2021 17:54:44 GMT

The GS Apple Card has always been wonky, which is why I have it paid off before statement close. Don't have to deal with it.

I'm sure it's mostly GS, but CRAs have their own issues during COVID.

Re: Apple Card Weird Reporting

Anonymous — Wed, 23 Jun 2021 04:57:25 GMT

I've filed a case with Apple and also with the CRA. They agreed that after 30 days without an update you can file. Like someone recently said in the replies, I'm just going to keep it at zero before the statement ends and be done with worrying about when they will decide to report.

Re: Apple Card Weird Reporting

phoenix12 — Fri, 25 Jun 2021 16:17:19 GMT

As of today (06/25/2021), the Apple Card has reported to TU. Still waiting on EX. But, at least my TU and EQ have been completed. I still have an open dispute with Experian, but hoping with TU updating that means Experian shouldn't be far behind. Definitely learned my lesson with this one and will PIF from now on.

Re: Apple Card Weird Reporting

Anonymous — Fri, 25 Jun 2021 16:23:42 GMT

I'm in exactly the same boat. EQ and as of a few days ago TU are showing my updated info. But still no EX. I've submitted a dispute with EX and Appke card support.

Re: Apple Card Weird Reporting

Anonymous — Fri, 25 Jun 2021 19:27:06 GMT

@phoenix12 wrote:
As of today (06/25/2021), the Apple Card has reported to TU. Still waiting on EX. But, at least my TU and EQ have been completed. I still have an open dispute with Experian, but hoping with TU updating that means Experian shouldn't be far behind. Definitely learned my lesson with this one and will PIF from now on.

+1. Same thing with my profile. Just started showing on TU today but shows report date was 6/10/21. Still no updates on EX.

Apple Card Not Reporting....still!

Anonymous — Tue, 29 Jun 2021 13:48:11 GMT

My Apple Card has not updated since April 30th. It reported to EQ and TU but still not Experian. And here we are almost in July. It's causing issues! I've filed a dispute with EX and on Apple Card's side. Is anyone else experiencing this?

Re: Apple Card Not Reporting....still!

Ficoproblems247 — Tue, 29 Jun 2021 15:16:37 GMT

Sporadic reporting is the name of their game, unfortunately. Filing a dispute with the CRAs is not the way to go, as the issue is stemming from Goldman's side, not the bureaus.

Re: Apple Card Not Reporting....still!

Anonymous — Tue, 29 Jun 2021 18:30:41 GMT

But doesn't the dispute force Goldman Sachs to update?

@Ficoproblems247 wrote:
Sporadic reporting is the name of their game, unfortunately. Filing a dispute with the CRAs is not the way to go, as the issue is stemming from Goldman's side, not the bureaus.

Re: Apple Card Not Reporting....still!

Ficoproblems247 — Tue, 29 Jun 2021 18:32:08 GMT

@Anonymous wrote:
But doesn't the dispute force Goldman Sachs to update?

@Ficoproblems247 wrote:
Sporadic reporting is the name of their game, unfortunately. Filing a dispute with the CRAs is not the way to go, as the issue is stemming from Goldman's side, not the bureaus.

No. Creditors are not required to report anything to the bureaus. What they are required to do is ensure the information they report is accurate should they chose to report it. Disputes are for inaccurate information, not the lack thereof. I understand where you're coming from, and disputing it didn't do any harm I'm sure, but it's not going to fix the issue.

Apple Card reporting

sixstringcliff — Wed, 07 Jul 2021 02:40:37 GMT

I'm wondering if I should be concerned that my Apple Card reports to the CRA's by different names: (EX) Apple Card/GS Bank USA, (TU) GS Bank USA, (EQ) Apple Card - GS Bank. Three completely different names. Is it a big deal? Does it matter? My CapOne and NFCU CC's report by the same exact names on my CR's across-the-board.

Re: Apple Card reporting

NYC_Fella — Wed, 07 Jul 2021 02:51:05 GMT

@sixstringcliff wrote:
I'm wondering if I should be concerned that my Apple Card reports to the CRA's by different names: (EX) Apple Card/GS Bank USA, (TU) GS Bank USA, (EQ) Apple Card - GS Bank. Three completely different names. Is it a big deal? Does it matter?

No.

Re: Apple Card reporting

phoenix12 — Wed, 07 Jul 2021 15:57:12 GMT

No, the name of the reporting company does not matter. As long as it's GS/Apple Something.

As far as the Apple Card, just double-check to make sure your balance, payment history, and credit limit are all that is supposed to be. They report very unreliably... I had to wait two months for my Experian report to update.

Re: Apple Card Weird Reporting

sixstringcliff — Sat, 10 Jul 2021 02:48:49 GMT

I'm in the same boat. Just checked my EX report and see that GS has not reported since May 31. Today is July 9. Clearly they've skipped a month. They did, however, manage to report to TU and EQ in June. Not cool!

Re: Apple Card Weird Reporting

Anonymous — Sat, 10 Jul 2021 04:02:39 GMT

They have not reported on any of my reports since I received it (6/25), made sure I paid the balance in full too! Now it says no payment due until Aug 31. I'm like OK sounds good to me 2 months of interest free spending!

Re: Apple Card Weird Reporting

Anonymous — Wed, 04 Aug 2021 01:42:18 GMT

Of all accounts, this is certainly an account to be PIF every month, given the inconsistencies, you never know if they will report each month. So if you carry a balance one month, you may be carrying it for consecutive months.....

This. I just received the Apple Card at the end of July, with the intention of paying it off monthly anyway. What I hadn't realized until reading this statement, is that if a balance is randomly or inconsistently reported, it could be there indefinitely until GS updates. That's kinda nuts, but causes me to be even more vigilant with that card.