This sounds as if the author didn't return the trade-in kit in time, and the credit reversal on the Apple Card, which was unpaid and past-due, appeared as a sca

This sounds as if the author didn't return the trade-in kit in time, and the credit reversal on the Apple Card, which was unpaid and past-due, appeared as a scammer to Apple. What isn't said here, is that Goldman Sach's is likely to have a number of people attempting these sorts of things as scams. Can someone who works in finance comment as to whether Apple's action might be something contractually required by Goldman Sachs?