Apple didn’t send “tens of thousands” of Apple Card transaction disputes to Goldman Sachs, according to the CFPB. The CFPB says that Goldman Sachs didn’t complete timely inquires on disputes it received in accordance with federal law, either.

Cardholders were also led to believe that they would automatically get interest-free financing if they bought Apple devices using the Apple Card, but “many cardholders were unknowingly charged interest because they were not automatically enrolled as expected,” the CFPB says. The CFPB adds that for people shopping online, Apple only showed the interest-free financing option in Safari.