Dispute a charge to your Apple Card

You can dispute charges or report transaction issues for your Apple Card account on your iPhone.1

How to dispute a charge on your Apple Card

On your iPhone

  1. Open the Wallet app and tap Apple Card. 2
  2. Under Latest Transactions, find and tap the transaction that you want to dispute.
  3. Under Transaction History, tap the transaction again.
  4. Tap Report an Issue.
  5. To chat with an Apple Card Specialist, tap Dispute Charge, Unknown Transaction, or Other Issue.
  6. You might need to choose a reason for the dispute or issue, then tap Done.
  7. When a pre-written message opens in the Messages app, tap the send buttonthe send icon.

After you send a Message, you will receive a form requesting more details about your dispute. You must fill out and submit this form in order for Goldman Sachs to investigate your dispute through this channel. If you do not send your Message and the form, Goldman Sachs will not receive your dispute.

On your iPad

  1. Open the Setting app and tap Wallet and Apple Pay.
  2. Tap your Apple Card, then tap the Transactions tab.
  3. Find and tap the transaction that you want to dispute.
  4. Tap Report an Issue.
  5. To chat with an Apple Card Specialist, tap Dispute Charge, Unknown Transaction, or Other Issue.
  6. You might need to choose a reason for the dispute or issue, then tap Done.
  7. When a pre-written message opens in the Messages app, tap the send buttonthe send icon.

After you send a Message, you will receive a form requesting more details about your dispute. You must fill out and submit this form in order for Goldman Sachs to investigate your dispute through this channel. If you do not send your Message and the form, Goldman Sachs will not receive your dispute.

If the transaction says Apple Media Services

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. 3  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.

  1. 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.
  2. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch.
  3. 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.

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