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Comment by arthurofbabylon | Hacker News Reader

Goldman Sachs’s customer service was surprisingly bad – I imagine that factor alone is a sufficient threat to Apple’s brand, worthy of terminating the arrangement.

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Yeah, there's a /r/AppleCard on Reddit and it was full of examples of reps just making shit up. Completely false information pulled out of their asses.

People are worried over AGI, but I claim it's already here depending on which human population you compare against.

Which corporation: most of the things people worry about with AI are indistinguishable from a group of humans who’ve been told that they’ll be rewarded for making a number go up each quarter. I’ve had some impressively fluent-but-nonsensical conversations with people who were under strict orders not to say they couldn’t do the obvious right thing.

If you compare artificial intelligence with natural stupidity (or rather natural I-don't-give-a-shit), this is bound to happen. Both give wrong answers, but the answers made up by LLMs at least sound more convincing...

Biggest issue is an LLM will often lead you to a dead end or unsatisfying answer and will quit the call abruptly while sometimes with humans you can escalate to a manager.

The LLMs are also much more polite and well-spoken.

You can talk to a person and try to develop an understanding. You can’t fix a broken computer you don’t own.

What's the old saying?

You don't have to run faster than a bear, just faster than the person next to you.

isn't it the case with every company out there? I had the same style reps with every financial institution including AMEX.

Yeah I had an awful experience working with them - which is confusing to consumers I’m sure when the text chat is literally addressed to Apple through iMessage and GS just takes over from that.

Certainly for some things (credit line increases) they make it very clear in the app that you "are being sent to our partners at Goldman" in the support messages.

I think the opposite is true, people think Apple is the lender and have no idea who GS Bank is even thought it’s literally in huge type on the card. If you look at r/AppleCard people are constantly complaining about “Apple” doing something they don’t like with their account.

Their entire marketing shtick is that you're getting an Apple Card, rather than any random MasterCard or GS card. Just look at this page https://www.apple.com/apple-card/, if they brand it so prominently as their own, they should also own the problems.

Why did that surprise you? Goldman Sachs makes it money with anything but consumer banking after all.

Genuine question.

I was an interbank customer of Goldman Sachs (literally trading billions a year with them) and their "customer service" sucked - we were to be greatful that the mighty Goldmans recognised and dealt with us.

I can not imagine that a cosumer or mass market product would be any better - certainly not going from their niche presence in the consumer market to apple scale number of customers.

This is what I'm asking... It's like going to the wholesaler and wondering why they don't have a nice pretty brick-and-mortar to buy from. GS doing consumer credit just seems like a large impedance mismatch in various levels.

Sorry... just musing on this topic because this is giving me a laugh.

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