The agency noted that the companies launched Apple Card despite warnings by third parties about technological issues with the Apple Card disputes system. That led to a lengthy wait for consumers to get money back from disputed charges and some had incorrect negative information added to their credit cards.CFPB also found that Apple and Goldman Sachs misled consumers about interest-free payment plans for Apple devices, as many customers thought they would automatically be enrolled in interest-free payments but were charged interest and in some cases couldn't see the interest-free payment option on the Apple website when using certain browsers.APPLE, GOOGLE OWE WHOPPING TAX BILLS AND FINES DUE TO EU'S CRACKDOWN ON BIG TECHThe CFPB ordered Goldman Sachs to pay at least $19.8 million in redress and a $45 million civil monetary penalty, while Apple was ordered to pay a $25 million civil monetary penalty.