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Holy Molly! Any credit card company would have done this in 2 minutes and refunded the charges while they investigate. Because this is Apple, one card transaction dispute requires you to change your AppleID password. What a mess!!!

I was considering getting an Apple Card but now I am running the other way.

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It’s Goldman Sachs in this case, not Apple. While a few companies run their own banks to issue credit cards, most have partnerships with banks like Synchrony, Capital One, and Chase. Depending on the scope of the partnership, customer service may be handled directly by the bank or by the retailer. In Apple’s case, they’ll explicitly say they’re working for Goldman Sachs.

If there's an unauthorised transaction on your card, that suggests your credit card details have been compromised, no? Additionally, they say the transaction happened via Apple Pay, so it would have been authenticated via a device, so it appears a device was also compromised?

Isn't changing compromised details common place? The agent did offer to do it immediately but the customer said "no not now" and then ignored it for two months.

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