Apple Card Faces Investigation After Accusations of Gender Discrimination
- A popular Twitter thread has accused Apple Card, which is put out in partnership with Goldman Sachs, of gender bias.
- A programmer said he got 20 times the credit card limit as his wife, despite the fact that they file joint tax returns and the fact that she has a higher individual credit score than he does.
- Others said they faced similar problems, including Apple co-founder Steve Wozniak, who now holds a ceremonial role at the company.
- Goldman Sachs insisted that gender is not a factor in card applications and approvals, but New York’s Department of Financial Services said it will investigate.
Thread Accusing Apple Card of Gender Bias Goes Viral
The New York Department of Financial Services says it will be looking into potential gender discrimination from Apple Card after several people, including Apple co-founder Steve Wozniak, accused it of having a bias.
Problems with Apple Card, which is made in partnership with Goldman Sachs, first made their way to the surface when programmer and author David Heinemeier Hansson posted a twitter thread accusing it of sexism. He wrote that it approved him of a higher limit than his wife.
According to Hansson, even after his wife paid off her card in full, she was not allowed to spend until the next billing period.
He initially said that customer service was overall unhelpful when trying to address the problem. One day after posting his thread, however, he followed up to say that his wife’s limit was bumped up.
As for his wife’s experience with Apple, he says she spoke to two representatives. He claims that the first said it was not discrimination and blamed it on the algorithm.
The second encouraged his wife to check her credit score again. Hansson and his wife both ended up checking their scores and learned that his wife actually had a higher score than he did.
He continued to share his frustrations with this algorithm and its lack of transparency.
Steve Wozniak and Others Back Up the Claim
Once this thread blew up, many others said they had experienced a similar problem.
Just read this thread. My wife has a way better score than me, almost 850, has a higher salary and was given a credit limit 1/3 of mine. We had joked that maybe Apple is just sexist. Seems like it’s not a joke. Beyond f’ed up.— Carmine Granucci (@whoiscarmine) November 9, 2019
Apple co-founder Steve Wozniak, who now holds a ceremonial role at the company, also replied to Hansson. Wozniak said his wife got ten times less than he did, despite them having shared assets and accounts.
I’m a current Apple employee and founder of the company and the same thing happened to us (10x) despite not having any separate assets or accounts. Some say the blame is on Goldman Sachs but the way Apple is attached, they should share responsibility.— Steve Wozniak (@stevewoz) November 10, 2019
He also said his wife had difficulty with customer service, and could not use her card after paying it off as well.
Janet made the phone calls to the number given but got nowhere. She also has paid off her card totally but still can’t use it until the next billing cycle.— Steve Wozniak (@stevewoz) November 10, 2019
In a Sunday interview with Bloomberg, Wozniak elaborated on his concerns about Apple Card and the algorithm behind it.
“These sorts of unfairnesses bother me and go against the principle of truth. We don’t have transparency on how these companies set these things up and operate,” he told the outlet. “Our government isn’t strong enough on the issues of regulation. Consumers can only be represented by the government because the big corporations only represent themselves.”
“Algos obviously have flaws,” he added. “A huge number of people would say, ‘We love our technology but we are no longer in control.’ I think that’s the case.”
Goldman Sachs and New York’s DFS Respond
While some did respond to both Hansson and Wozniak saying they did not experience this, tweets accusing Apple Card of gender bias blew up, prompting several responses.
Goldman Sachs released a statement on Sunday saying that, “In all cases, we have not and will not make decisions based on factors like gender.”
“With Apple Card, your account is individual to you; your credit line is yours and you establish your own direct credit history,” the statement read. “Customers do not share a credit line under the account of a family member or another person by getting a supplemental card.”
They also said that applications are evaluated independently, looking at things like income, credit score, and debt management.
Linda Lacewell, the Superintendent of the New York State Department of Financial Services said she would be looking into the matter.
“We will work to investigate what may have gone wrong, and if the algorithm used by Apple Card did indeed promote unlawful discrimination we will take appropriate action,” she wrote in a Medium post on Sunday. “But this is not just about looking into one algorithm — DFS wants to work with the tech community to make sure consumers nationwide can have confidence that the algorithms that increasingly impact their ability to access financial services do not discriminate and instead treat all individuals equally and fairly no matter their sex, color of skin, or sexual orientation.”
She encouraged consumers who have been affected by this, as well as tech leaders who have commentary on it, to reach out to New York’s DFS.
See what others are saying: (Business Insider) (The Verge) (Bloomberg)
Right-Wingers Are Turning Against Chick-fil-A
Some have accused the company of joining a woke “cult” after learning of its diversity, equity, and inclusion initiative.
Chick-fil-A Goes “Woke”
Conservatives are condemning Chick-fil-A after learning of the fast food chain’s commitments to diversity, equity, and inclusion.
Some have accused the brand of bowing “to the Woke mob.” Others have debated boycotting the chain.
It’s unclear when exactly Chick-fil-A began its DEI campaign, but according to LinkedIn, the current Vice President of DEI, Erick McReynolds, has been working in the department since 2020 before taking on his current role in 2021. It is also unclear why right-wingers on Twitter have just now discovered Chick-fil-A’s DEI website, but many spent a chunk of Tuesday morning lambasting the company for working to promote diversity.
Chick-fil-A’s DEI page is titled “Committed to being Better at Together.”
“Modeling care for others starts in the restaurant, and we are committed to ensuring mutual respect, understanding and dignity everywhere we do business,” McReynolds said in a statement on the website.
Chick-fil-A is no stranger to boycott campaigns, though those efforts usually come from the opposite side of the political aisle. The company, known for its strong Christian ties, has been criticized for donating to groups with anti-LGBTQ missions. As a result, many on the left have refused to eat there, while it has been a haven for those on the right.
Conservatives, however, have become increasingly outraged by DEI initiatives. Chick-fil-A’s website, which only vaguely outlines its DEI efforts, still seems to be enough for the right to change its tune about the brand.
“Even our beloved Chick-Fil-A has fallen to the DEI cult,” one person tweeted. “the same agenda that is turning our beloved military woke.”
“It’s becoming an epidemic that even Christian companies are being strong-armed to participate in,” the tweet continued.
Old Clip of Chairman Resurfaces
Some have also started resurfacing an old clip of Chick-fil-A Chairman Dan Cathy speaking on a panel about racism during the summer of 2020. During the discussion, he talked about repentance and said that if you ever see someone who needs their shoes shined, you should do it. He then walked over to a Black person on the panel, got on his knees, and shined their shoes.
“There’s a time in which we need to have, you know, some personal action here, and maybe we need to give them a hug, too,” Cathy said while shining the shoes.
“I bought about 1,500 of these and I gave them to all our Chick-fil-A operators and staff a number of years ago,” Cathy continued, in reference to his shoe-shining brush. “So, any expressions of a contrite heart, of a sense of humility, a sense of shame, a sense of embarrassment begat with an apologetic heart — I think that’s what our world needs to hear today.”
The clip caused a stir when the events first unfolded, and has prompted a new wave of anger now. Some are accusing Cathy of being “a woke, anti-American, anti-white BLM boot licker” who thinks all white people need to shamefully shine the shoes of Black people to apologize for racism, though that is not what he said.
These boycott calls are just the latest from conservatives who have been on a rampage against any company supporting any social cause they deem as “woke.” Earlier this year, the political right took a stand against Bud Light after it included a trans influencer in a sponsored Instagram post. Just last week, Target and Kohls faced boycotts over items in their Pride Month collections.
See what others are saying: (The Hill) (Rolling Stone) (AL)
Bioré Apologizes For Referencing School Shooting in Mental Health Ad Campaign
“Our tonality was completely inappropriate. We are so sorry,” the skincare brand said.
Video Faces Backlash
The skincare brand Bioré apologized this week for partnering with a school shooting survivor as part of its Mental Health Awareness Month campaign.
“We are committed to continuing our mental health mission, but we promise to do it in a better way,” the company said in an Instagram post on Sunday.
Last week, influencer and recent Michigan State University graduate Cecilee Max-Brown posted a video to TikTok sponsored by Bioré where she discussed the numerous challenges she had faced throughout the year. Among them was a school shooting on her college’s campus, which killed three people in February.
“Life has thrown countless obstacles at me this year, from the school shooting to having no idea what life is going to look like after college,” Max-Brown says in the video. “In honor of mental health awareness month, I’m partnering with Bioré skin care to strip away the stigma of anxiety.
“We want you to get it all out, not only what’s in your pores, but most importantly, what’s on your mind, too,” she continued.
In the 50-second video, Max-Brown went on to discuss more details about her mental health struggles, as well as how “seeing the effects of gun violence firsthand” has impacted her and led to “countless anxiety attacks.”
“I will never forget the feeling of terror that I had walking around campus for weeks in a place I considered home,” she said before closing the video by encouraging her followers to participate in Bioré’s mental health campaign.
The video ignited swift outrage from people who accused Bioré of using a school shooting to sell products. In its apology, the brand admitted the video was misguided.
In the past, Bioré said it has worked with influencers to discuss and reduce mental health stigmas, as the subject is a top priority for its consumers.
“This time, however, we did it the wrong way,” the company said. “We lacked sensitivity around an incredibly serious tragedy, and our tonality was completely inappropriate. We are so sorry.”
Max-Brown also apologized on TikTok, writing that the video was intended to spread awareness, not suggest a product fixed the struggles she has experienced as a result of the shooting.
“I did not mean to desensitize the traumatic event that took place as I know the effects that it has had on me and the Spartan community,” she wrote.
Max-Brown has since removed the initial sponsored video from her account.
See what others are saying: (The New York Times) (NBC News) (The Independent)
Canada’s WestJet Pilots Give 72-Hour Notice For Strike Amid Wave of American Strike Authorizations
“We kept the airline alive during the pandemic. The company is poised to have wild profits going forward and they’re giving us the stiff arm at the table,” said a United Airlines union member to The Washington Post.
Airline Staffers Ready to Strike
Pilots across North America have been inching towards industry-shaking strikes for the last several weeks.
Most recently, Canada’s WestJet Airline pilots issued their 72-hour strike notice on Monday. This means a strike could start as early as Friday, potentially leading to major disruptions for travelers over the Victoria Day holiday weekend.
WestJet pilots are looking for better scheduling and higher pay. Specifically, they want to be paid at a similar rate to their American counterparts.
However, staffers for many American airlines are also ready to fight for higher wages, among other things. Pilots with both Southwest and American Airlines have approved strikes in recent weeks. United Airlines, although they haven’t authorized a strike, spent Friday picketing major airports across the country. Pilots from all three carriers are pushing for higher salaries, better scheduling, and better rules that establish what is expected of each employee on the job.
All of these pilots are pointing to Delta as an example, which recently ratified a $7 billion contract that will raise the wages of their 15,000 pilots by 34% over 4 years.
However, despite the authorizations, an actual walkout is unlikely. In order to legally strike in the U.S., airline workers’ unions have to go through federal mediation with the airlines themselves and that mediator has to decide that negotiation is unproductive and release both sides. Even then, a strike can be blocked by Congress or the president.
However, these strike authorizations are meant to put further pressure on the airlines to come to the table with their pilots and find some solution.
“We kept the airline alive during the pandemic. The company is poised to have wild profits going forward and they’re giving us the stiff arm at the table,” Garth Thompson, chair of the United Master Executive Council of the Air Line Pilots Association, said to the Washington Post.
The response from airlines thus far has been mixed. Southwest said in a statement that the strike authorization vote has absolutely no effect on their operations. Casey Murray, the president of the pilot’s union, said the union will petition mediators to strike because they have been in negotiations with Southwest for more than three years with no solution on the horizon.
American Airlines and its pilots, on the other hand, are much closer to reaching a solution. CEO Robert Isom even said the airline is prepared to match the pay rates of Delta pilots.
“We remain confident that an agreement for our pilots is within reach and can be finalized quickly,” the airline said in a statement. “The finish line is in sight.”