Apple Card
Card complaint rating · Based on federal CFPB data
Who actually runs this card
Apple Card is issued by GOLDMAN SACHS BANK USA
Apple handles the shopping experience. GOLDMAN SACHS BANK USA handles everything else — billing, interest, credit reporting, and customer complaints. When something goes wrong with your Apple Card, you are dealing with GOLDMAN SACHS BANK USA, not Apple.
See full GOLDMAN SACHS BANK USA complaint rating →If you hold the Apple Card, the data shows an above-average complaint rate. More customers here needed to escalate disputes than at most comparable institutions.
1 in 3,288 customers felt they had no choice but to complain officially
This is not a complaint to customer service. This is a formal complaint filed with the US government, on permanent public record — the last resort after everything else failed.
9,613 people complained officially and got absolutely nothing
That is 72% of everyone who escalated. They filed. They waited. They were told no. No money returned. No correction made.
Only 16% of complaints resulted in any money being returned
A further 72% were closed with an explanation only — the institution said "we disagree." No money moved. No correction made. The complaint was marked resolved.
100% response rate — but only 28% of complaints were actually resolved
The law requires a reply within 15 days — and they met that. But replying is not the same as fixing. The data shows they are far better at responding than resolving.
2.8 new official complaints filed every single day
At this volume, complaints are being filed around the clock, 365 days a year. This is not occasional bad luck — it is ongoing at scale.
62% of all complaints come from Credit Cards alone
That is 8,197 individual complaints in one product area. If you hold a credit cards account here, this risk applies directly to you.
Credit Cards — 0.19 complaints per 1,000 customers
Customers most commonly report unexpected charges appearing on their statement, accounts closed without any warning, and billing errors that damaged their credit score — often taking months to dispute.
A note on accuracy: this institution's customer base is estimated from deposit data rather than directly measured. The complaints are real federal filings. The rate per customer carries some uncertainty — treat it as a strong directional signal.
All figures from the CFPB Consumer Complaint Database and FDIC BankFind — US federal public records.
★ Lower-Risk Alternatives
You can't directly replace a store card with a bank account — but you can move your main banking to an institution with a much better complaint record, which limits your exposure if something goes wrong with billing, fraud, or disputes.
FIRST NATIONAL BANK OF PENNSYLVANIA
1.4× lower complaint rate than GOLDMAN SACHS BANK USA
- Federal data records a complaint rate of 0.22/1,000 customers
- Switching your primary bank takes about 2 hours of active effort — see our guide
- You can keep your Apple Card — this just moves your main banking to a lower-risk institution
▶ See 2 more alternatives
BANCO POPULAR DE PUERTO RICO
1.1× lower · 0.28/1k
MECHANICS BANK
1.1× lower · 0.29/1k
“But switching banks sounds like a headache.”
It usually isn't. The average US bank switch takes under 2 hours of active effort, spread across about 10 days. You keep your Apple Card — you just move your main banking somewhere with a better complaint record.
Read our step-by-step switching guide →This page shows complaint data for GOLDMAN SACHS BANK USA, the issuing institution behind the Apple Card. All data is sourced from the CFPB public complaint database and FDIC BankFind — US federal public records. See the full GOLDMAN SACHS BANK USA institution page →