| 01/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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|
Web |
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I am writing to file a complaint against Goldman Sachs, the issuer of the Apple Card, in relation to the false and misleading information provided in connection with my credit card application on XXXX XXXX XXXX.
On multiple occasions, Goldman Sachs has denied my credit card application, stating that the reason for the denial was a "prior history of delinquent or derogatory accounts." However, I have provided documentation and information that contradicts this statement about my credit history. The dates of these denials were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, twice on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I believe that Goldman Sachs has violated the Truth in Lending Act (TILA) and other consumer protection laws by providing false or misleading information in connection with my credit card application. I am seeking a resolution to this matter and obtaining a correction from Goldman Sachs.
Furthermore, on XXXX XXXX XXXX, I sent a correspondence to Goldman Sachs regarding this issue, which they signed and acknowledged receipt of. Despite this, Goldman Sachs has continued to deny my credit card application and provide false and misleading information.
The definition of "set-off" refers to a defense to all or a part of a plaintiff's monetary claim. In this case, Goldman Sachs may be using the false and misleading information about my credit history as a defense to my claim for a credit card account. This could potentially be seen as a violation of TILA and other consumer protection laws, as lenders are not allowed to use false or misleading information as a defense to a consumer's claim for an extension of credit.
Additionally, the definition of "consumer" under TILA includes a natural person to whom consumer credit is offered or extended, as well as a natural person in whose principal dwelling a security interest is or will be retained or acquired if their ownership interest in the dwelling is subject to the security interest. As a consumer who applied for a credit card and has been denied based on false and misleading information, I may be able to argue that Goldman Sachs has violated TILA and other consumer protection laws by failing to disclose accurate and complete information to me as a consumer.
As a result of Goldman Sachs' actions, I have been denied access to credit, which has had a negative impact on my financial situation. I have been unable to make important financial decisions and purchases because of this denial, and it has caused stress and frustration. I am seeking a resolution to this matter and obtaining a correction from Goldman Sachs.
I would like to request that this matter is promptly addressed and that Goldman Sachs is held accountable for their actions. I am available to provide any further information or documentation that may be necessary to support my complaint.
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Legal Definitions
Adjustments
Adjustment is a settlement, allowance, or deduction made on a debt or claim that has been objected to by a debtor or creditor in order to establish an equitable arrangement between the parties.
For tax returns, an IRS-approved change to tax liability is considered an adjustment.
When money is owed to a lender, debt adjustments are made by creditors or judges who exempt debtors from a part of their obligation, in light of ongoing circumstances; like insolvency.
In insurance law, an insurance companys settlement on a claim is referred to as an adjustment. The companys adjustment reflects the sum of money the company is willing to pay on behalf of a claimant after negotiation and consideration of the parties gains, losses, and rights.
Set-offs, contributions, and subrogation are also examples of adjustments.
A set-off is a statutory defense to all or a part of a plaintiffs monetary claim. It also refers to the adjustment of losses against profit or income by a taxpayer in a particular tax year.
A contribution is a payment made between defendants with joint and several liabilities in order to apportion, or adjust, for liability. Subrogation is the substitution of one person or group in the place of another with reference to a lawful claim, demand, or right, whereby the subrogating party assumes the rights and duties of the original party. Setoff 1. The right of someone who owes money to subtract from the debt any money owed in the other direction. 2. A defedant's monetary demand against the plaintiff for some injury unrelated to the plaintiff's claim. Account An account, within the context of secured transactions, is defined under Article 9 of the Uniform Commercial Code, as a right to payment of a monetary obligation. Not included: (1) letters of credit, (2) commercial tort claims, (3) deposit accounts, (4) investment property, (5) chattel paper, or (6) rights to payment for money or funds that have been advanced or sold. (2) the term account means a demand deposit, savings deposit, or other asset account (other than an occasional or incidental credit balance in an open end credit plan as defined in section 1602(i) of this title), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement; Source 15 USC 1693a(2) 12 CFR Part 1026 (Regulation Z) 1026.2 Definitions and rules of construction 1026.2(a)(3)(i) (i) Application means the submission of a consumer's financial information for the purposes of obtaining an extension of credit. (ii) For transactions subject to 1026.19(e), (f), or (g) of this part, an application consists of the submission of the consumer's name, the consumer's income, the consumer's social security number to obtain a credit report, the property address, an estimate of the value of the property, and the mortgage loan amount sought. 1026.2(a)(8) (8) Cardholder means a natural person to whom a credit card is issued for consumer credit purposes, or a natural person who has agreed with the card issuer to pay consumer credit obligations arising from the issuance of a credit card to another natural person. For purposes of 1026.12(a) and (b), the term
includes any person to whom a credit card is issued for any purpose, including business, commercial or agricultural use, or a person who has agreed with the card issuer to pay obligations arising from the issuance of such a credit card to another person.
1026.2(a)(11)
(11) Consumer means a cardholder or natural person to whom consumer credit is offered or extended. However, for purposes of rescission under
1026.15 and 1026.23, the term also includes a natural person in whose principal dwelling a security interest is or will be retained or acquired, if that
person's ownership interest in the dwelling is or will be subject to the security interest. For purposes of 1026.20(c) through (e), 1026.36(c), 1026.39, and 1026.41, the term includes a confirmed successor in interest.
1026.2(a)(12)
(12) Consumer credit means credit offered or extended to a consumer primarily for personal, family, or household purposes.
1026.2(a)(15)(i)
(i) Credit card means any card, plate, or other single credit device that may be used from time to time to obtain credit. The term credit card includes a hybrid prepaid-credit card as defined in 1026.61.
(iv) Debit card means any card, plate, or other single device that may be used from time to time to access an asset account other than a prepaid account as defined in 1026.61. The term debit card does not include a prepaid card as defined in 1026.61.
Credit
Credit means the right granted by a creditor to an applicant to defer payment of a debt, incur debt and defer its payment, or purchase property or services and defer payment therefor.
consumer credit
Consumer credit refers to the ability of a consumer to access a loan. The most common form of credit used by consumers is a credit card account issued by a financial institution. Merchants may also provide direct financing for products which they sell. Banks may directly finance purchases through loans and mortgages.
The law of consumer credit is primarily embodied in federal and state statutes. These laws protect consumers and provide guidelines for the credit industry.
States have passed various statutes regulating consumer credit. For example, the Uniform Consumer Credit Code (UCCC) has been adopted as law in eleven states and Guam. Its purpose is to protect consumers obtaining credit transactions and ensure that adequate credit is available. To do this, the UCCC includes provisions outlawing waiving rights through contracts and sets caps on interest rates.
In 1968, Congress passed the Consumer Credit Protection Act to further regulate the consumer credit industry. This act requires loan providers to explain financial terms to consumers, restricts the garnishing of wages, prohibits discrimination on the basis of sex or marital status, and established the National Commission on Consumer Finance to investigate the consumer finance industry. While this commission has since disbanded, credit card companies and credit reporting agencies are still regulated by the Act.
In XXXX XXXX, President Obama signed into law the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act. This statute even further constrained the practices of financial institutions that issue consumer credit cards. These new regulations include bans on practices such as charging interest on balances that have already been paid off, hiking interest rates without notice, and marketing towards college students. Additionally, the act requires interest rates on consumer credit instruments to remain static for at least one year after the consumer obtains it. Most notably, however, the CARD act contains provisions regulating the use of credit default swaps and increased penalties for noncompliance with federal credit regulations.
Federal Material
U.S. Constitution and Federal Statutes
Consumer Credit Protection Act - 15 U.S.C, Chapter 41
Truth In Lending Act - 15 U.S.C. 1601
Fair Credit Reporting Act - 15 U.S.C. 1681
Fair Credit Billing Act - 15 U.S.C. 1637
Equal Credit Opportunity Act - 15 U.S.C. 1691 - 1691e
The Fair Credit Debt Collection Act - 15 U.S.C. 1692 - 1692o
CRS Annotated Constitution
Federal Agency Regulations
Code of Federal Regulations: 12 C.F.R. - Banks and Banking
Federal Judicial Decisions
U.S. Supreme Court:
Recent Decisions on Consumer Credit
liibulletin Oral Argument Previews
U.S. Circuit Courts of Appeals:
Recent Decisions on Consumer Credit
State Material
State Statutes Uniform Commercial Code - (As Adopted by Particular States) Uniform Consumer Credit Code New York law governing Unauthorized or Improper Use of Credit Cards and Debit Cards - New York General Business Law Article 29-A 511 et seq. New York law governing Debt Collection Procedures - New York General Business Law Article 29-H 600 et seq. New York law governing Consumer Credit Balances - New York General Business Law Article 34-A 710 et seq. California law governing credit cards and various other aspects of consumer credit - California Civil Code 1747 et seq. California law governing fees in consumer credit agreements and related consumer protections - California Financial Code 4000 et seq. State Judicial Decisions N.Y. Court of AppealsXXXX Decisions on Consumer Credit
Commentary from liibulletin-ny
Appellate Decisions from Other States
Key Internet Sources
Consumer Financial Protection Bureau
U.S. Federal Trade Commission
National Foundation for Credit Counseling
Consumer Credit Guide
House Committee on Banking and Financial Services (includes information from Subcommittee on Financial Institutions and Consumer Credit)
ILRG Legal Forms Archive: Credit and Collection, Borrowing and Lending
1002.2 Definitions.
For the purposes of this part, unless the context indicates otherwise, the following definitions apply.
(a) Account means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit.
(b) Act means the Equal Credit Opportunity Act (Title VII of the Consumer Credit Protection Act).
(c) Adverse action.
(1) The term means:
(i) A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer (to grant credit in a different amount or on other terms) and the applicant uses or expressly accepts the credit offered;
(ii) A termination of an account or an unfavorable change in the terms of an account that does not affect all or substantially all of a class of the creditor's accounts; or
(iii) A refusal to increase the amount of credit available to an applicant who has made an application for an increase.
(2) The term does not include:
(i) A change in the terms of an account expressly agreed to by an applicant;
(ii) Any action or forbearance relating to an account taken in connection with inactivity, default, or delinquency as to that account;
(iii) A refusal or failure to authorize an account transaction at point of sale or loan, except when the refusal is a termination or an unfavorable change in the terms of an account that does not affect all or substantially all of a class of the creditor's accounts, or when the refusal is a denial of an application for an increase in the amount of credit available under the account;
(iv) A refusal to extend credit because applicable law prohibits the creditor from extending the credit requested; or
(v) A refusal to extend credit because the creditor does not offer the type of credit or credit plan requested.
(3) An action that falls within the definition of both paragraphs (c)(1) and (c)(2) of this section is governed by paragraph (c)(2) of this section.
(d) Age refers only to the age of natural persons and means the number of fully elapsed years from the date of an applicant's birth.
(e) Applicant means any person who requests or who has received an extension of credit from a creditor, and includes any person who is or may become contractually liable regarding an extension of credit. For purposes of 1002.7(d), the term includes guarantors, sureties, endorsers, and similar parties.
(f) Application means an oral or written request for an extension of credit that is made in accordance with procedures used by a creditor for the type of credit requested. The term application does not include the use of an account or line of credit to obtain an amount of credit that is within a previously established credit limit. A completed application means an application in connection with which a creditor has received all the information that the creditor regularly obtains and considers in evaluating applications for the amount and type of credit requested (including, but not limited to, credit reports, any additional information requested from the applicant, and any approvals or reports by governmental agencies or other persons that are necessary to guarantee, insure, or provide security for the credit or collateral). The creditor shall exercise reasonable diligence in obtaining such information.
(g) Business credit refers to extensions of credit primarily for business or commercial (including agricultural) purposes, but excluding extensions of credit of the types described in 1002.3(a)-(d).
(h) Consumer credit means credit extended to a natural person primarily for personal, family, or household purposes.
(i) Contractually liable means expressly obligated to repay all debts arising on an account by reason of an agreement to that effect.
(j) Credit means the right granted by a creditor to an applicant to defer payment of a debt, incur debt and defer its payment, or purchase property or services and defer payment therefor.
(k) Credit card means any card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit.
(l) Creditor means a person who, in the ordinary course of business, regularly participates in a credit decision, including setting the terms of the credit. The term creditor includes a creditor's assignee, transferee, or subrogee who so participates. For purposes of 1002.4(a) and (b), the term creditor also includes a person who, in the ordinary course of business, regularly refers applicants or prospective applicants to creditors, or selects or offers to select creditors to whom requests for credit may be made. A person is not a creditor regarding any violation of the Act or this part committed by another creditor unless the person knew or had reasonable notice of the act, policy, or practice that constituted the violation before becoming involved in the credit transaction. The term does not include a person whose only participation in a credit transaction involves honoring a credit card.
(m) Credit transaction means every aspect of an applicant's dealings with a creditor regarding an application for credit or an existing extension of credit (including, but not limited to, information requirements; investigation procedures; standards of creditworthiness; terms of credit; furnishing of credit information; revocation, alteration, or termination of credit; and collection procedures).
(n) Discriminate against an applicant means to treat an applicant less favorably than other applicants.
(o) Elderly means age 62 or older.
(p) Empirically derived and other credit scoring systems -
(1) A credit scoring system is a system that evaluates an applicant's creditworthiness mechanically, based on key attributes of the applicant and aspects of the transaction, and that determines, alone or in conjunction with an evaluation of additional information about the applicant, whether an applicant is deemed creditworthy. To qualify as an empirically derived, demonstrably and statistically sound, credit scoring system, the system must be:
(i) Based on data that are derived from an empirical comparison of sample groups or the population of creditworthy and non-creditworthy applicants who applied for credit within a reasonable preceding period of time;
(ii) Developed for the purpose of evaluating the creditworthiness of applicants with respect to the legitimate business interests of the creditor utilizing the system (including, but not limited to, minimizing bad debt losses and operating expenses in accordance with the creditor's business judgment);
(iii) Developed and validated using accepted statistical principles and methodology; and
(iv) Periodically revalidated by the use of appropriate statistical principles and methodology and adjusted as necessary to maintain predictive ability.
(2) A creditor may use an empirically derived, demonstrably and statistically sound, credit scoring system obtained from another person or may obtain credit experience from which to develop such a system. Any such system must satisfy the criteria set forth in paragraph (p)(1)(i) through (iv) of this section; if the creditor is unable during the development process to validate the system based on its own credit experience in accordance with paragraph (p)(1) of this section, the system must be validated when sufficient credit experience becomes available. A system that fails this validity test is no longer an empirically derived, demonstrably and statistically sound, credit scoring system for that creditor.
(q) Extend credit and extension of credit mean the granting of credit in any form (including, but not limited to, credit granted in addition to any existing credit or credit limit; credit granted pursuant to an open-end credit plan; the refinancing or other renewal of credit, including the issuance of a new credit card in place of an expiring credit card or in substitution for an existing credit card; the consolidation of two or more obligations; or the continuance of existing credit without any special effort to collect at or after maturity).
(r) Good faith means honesty in fact in the conduct or transaction.
(s) Inadvertent error means a mechanical, electronic, or clerical error that a creditor demonstrates was not intentional and occurred notwithstanding the maintenance of procedures reasonably adapted to avoid such errors.
(t) Judgmental system of evaluating applicants means any system for evaluating the creditworthiness of an applicant other than an empirically derived, demonstrably and statistically sound, credit scoring system.
(u) Marital status means the state of being unmarried, married, or separated, as defined by applicable state law. The term unmarried includes persons who are single, divorced, or widowed.
(v) Negative factor or value, in relation to the age of elderly applicants, means utilizing a factor, value, or weight that is less favorable regarding elderly applicants than the creditor's experience warrants or is less favorable than the factor, value, or weight assigned to the class of applicants that are not classified as elderly and are most favored by a creditor on the basis of age.
(w) Open-end credit means credit extended under a plan in which a creditor may permit an applicant to make purchases or obtain loans from time to time directly from the creditor or indirectly by use of a credit card, check, or other device.
(x) Person means a natural person, corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.
(y) Pertinent element of creditworthiness, in relation to a judgmental system of evaluating applicants, means any information about applicants that a creditor obtains and considers and that has a demonstrable relationship to a determination of creditworthiness.
(z) Prohibited basis means race, color, religion, national origin, sex, marital status, or age (provided that the applicant has the capacity to enter into a binding contract); the fact that all or part of the applicant's income derives from any public assistance program; or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the Bureau.
(aa) State means any state, the District of Columbia, the Commonwealth of Puerto Rico, or any territory or possession of the United States.
delinquent
Primary tabs
The word delinquent may have several meanings for the law depending on the context, such as the following:
A natural person or entity failing to perform an obligation. For example, a tenant who is delinquent in rental payments or a corporation that is delinquent in loan repayments.
A natural person that is guilty of committing criminal conduct. For example, a juvenile delinquent that committed a crime.
An obligation past due or unperformed. For example, a delinquent tax.
fraud
Primary tabs
Fraud is both a civil tort and criminal wrong.
In civil litigation, allegations of fraud might be based on a misrepresentation of fact that was either intentional or negligent. For a statement to be an intentional misrepresentation, the person who made it must either have known the statement was false or been reckless as to its truth. The speaker must have also intended that the person to whom the statement was made would rely on it. The hearer must then have reasonably relied on the promise and also been harmed because of that reliance.
A claim for fraud based on a negligent misrepresentation differs in that the speaker of the false statement may have actually believed it to be true; however, the speaker lacked reasonable grounds for that belief.
A promise that goes unfulfilled may give rise to a claim for fraud only under particular circumstances. For example, in California law, a false promise is only fraudulent if the promisor intended both not to perform on the promise and also that that the promisee would rely on the promise; and, the promisee must have reasonably relied on the promise and been harmed as a result of that reasonable reliance. When the promise was made as part of a contract, most states forbid a plaintiff from recovering under both contract law and tort law.
Lastly, opinions are not usually actionable as fraud except under very specific circumstances defined by either the common law or statutes in each state. In California, for example, a jury may be instructed that an opinion can be considered a representation of fact if it is proven that the speaker claimed to have special knowledge of the subject matter that the listener did not have; OR that the representation was made not in a casual expression of belief, but in a way that declared the matter to be true; OR if the speaker was in a position of trust and confidence over the listener; OR if the listener had some other special reason to expect the speaker to be reliable. Once the jury decides that an opinion qualified as a misrepresentation of fact under the circumstances, the plaintiff must still demonstrate all of the other elements of an intentional or negligent misrepresentation already described, such as reasonable reliance and resulting harm.
In criminal law, fraud usually takes very specific forms, such as bankruptcy fraud, credit card fraud, or healthcare fraud. California law, for example, also recognizes distinct crimes for check fraud, access card fraud, insurance fraud, and making false financial statements. Some criminal fraud statutes might be classified under laws forbidding larceny, others under forgery, and others as a crime covered by laws regarding a specific industry, like insurance or banking laws. Suspicions of criminal fraud should be reported to law enforcement authorities.
deception
Primary tabs
Deception is the act of deliberately causing somebody to accept something as true that is not true. It is an action that hides the truth.
Ohio defines deception as knowingly deceiving another or causing another to be deceived by any false or misleading representation, by withholding information, by preventing another from acquiring information, or by any other conduct, act, or omission that creates, confirms, or perpetuates a false impression in another, including a false impression as to law, value, state of mind, or other objective or subjective fact" in Section 2913.01 of its criminal code.
Some common uses of the term deception in a legal sense include:
In the context of theft by deception, cases such as this one from District of Columbia, explain that the term deception includes any act or communication made by the defendant which he knows to be untrue or false, including any misrepresentation as to the future, as well as the past or present.
In the context of statute prohibiting unfair and deceptive trade practices, cases such as this one from Florida, explain that deception occurs if there is a representation, omission, or practice that is likely to mislead the consumer acting reasonably in the circumstances, to the consumer's detriment.
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| 06/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Older American |
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XXXX XXXX From : XXXX XXXX XXXX Re : APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX My DOBXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX APPLE CARD/GS BANK USA [ Company address for receipt of direct disputes ] Re : Disputing late fee on credit card that didnt mail bill or apply autopay Dear APPLE CARD/GS BANK USA I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : You did not mail me a bill My email address gets over 200 messages a day I always select autopay minimum account balance which either was unavailable or not used The Bank Name is different now With an XXXX score this card I apparently used the suggestion that I pay with Apple Card.
in the App Store Total of XXXX some dollars late 2 months plunged my score. Your algorithm doesnt look at that as a mistake should have investigated this as an outlier and investigated further before harming me Harm included difficulty in renting an apartment near where I will be receiving XXXX for XXXX XXXXXXXX diagnosed last Tuesday ( XX/XX/XXXX ) To enter the XXXX XXXX XXXX I want I can have had only XXXX XXXX XXXX XXXX before joining. My fourth is today This will put me at XXXX XXXX XXXX unless mitigated with XXXX XXXX You cant open an inquiry with your death being the disputed item Issuer constantly shoved confusing offers in the way of me trying to accomplish my objectives My life expectancy is a month if I dont get treatment started soon and every day of delay causes me to remain at elevated risk due to being restricted from further steroid use until installed I will have to try to control using XXXX of XXXX , and other approved XXXX that may extend my life but will not treat the underlying condition Your infliction of harm to me happened at a bad time and now in addition to researching open trial for XXXX XXXX I am forced to contend with what I see as a totally unfair need to forego best early XXXX I am copying XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I intend to inflict justice onto you so you can explain in a court of law why a XXXX dollar two month late payment to someone utilizing less than 4 % of available credit, paif off home mortgage, and pay all known debts to XXXX at the end of each month to avoid the absurd interest rates youd impose on me for that transgression.
My income in XXXX was XXXX in XXXX I own my own company I know nobody personally with a credit rating I had before all this : XXXX That was an excellent rating From now on, I will be evaluating your credit decisions and rate Y Id also note your young bank has ove XXXX CFPB complaints filed Your C ( XXXX XXXX ) XXXX from me could be boosted to XXXX for a XXXX payment to me. XXXX is a score maintained by my algorithms [ have attached a copy of my report with the accounts in question evident.
Thank you for your assistance.
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( lead on my case } A copy of the credit report I got from the US Government whose clean and easy interface puts yours to shame Ps Have a Nice Day XXXX XXXX From : XXXX XXXX XXXX Re : APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX My DOB:XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX APPLE CARD/GS BANK USA [ Company address for receipt of direct disputes ] Re : Disputing late fee on credit card that didnt mail bill or apply autopay Dear APPLE CARD/GS BANK USA I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : You did not mail me a bill My email address gets over 200 messages a day I always select autopay minimum account balance which either was unavailable or not used The Bank Name is different now With an XXXX score this card I apparently used the suggestion that I pay with Apple Card.
in the App Store Total of XXXX some dollars late 2 months plunged my score. Your algorithm doesnt look at that as a mistake should have investigated this as an outlier and investigated further before harming me Harm included difficulty in renting an apartment near where I will be receiving therapy for XXXX XXXX diagnosed last Tuesday ( XX/XX/XXXX ) To enter the XXXX XXXX XXXX I want I can have had onlXXXX XXXX XXXX XXXX XXXX before joining. My fourth is today This will put me at XXXX XXXX XXXXh unless XXXX with XXXX XXXX You cant open an inquiry with your death being the disputed item Issuer constantly shoved confusing offers in the way of me trying to accomplish my objectives My life expectancy is a month if I dont get treatment started soon and every day of delay causes me to remain at elevated risk due to being restricted from further steroid use until installed I will have to try to control using XXXX of XXXX XXXX and other approved XXXXXXXX that may extend my life but will not treat the underlying condition Your infliction of harm to me happened at a bad time and now in addition to researching open trial for XXXX XXXX I am forced to contend with what I see as a totally unfair need to forego best early XXXX I am copying XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I intend to inflict justice onto you so you can explain in a court of law why a XXXX dollar two month late payment to someone utilizing less than 4 % of available credit, paif off home mortgage, and pay all known debts to XXXX at the end of each month to avoid the absurd interest rates youd impose on me for that transgression.
My income in XXXX was XXXX in XXXX I own my own company I know nobody personally with a credit rating I had before all this : XXXX That was an excellent rating From now on, I will be evaluating your credit decisions and rate Y Id also note your young bank has ove XXXX CFPB complaints filed Your C ( XXXX XXXX ) XXXX from me could be boosted to XXXX for a XXXX payment to me. XXXX is a score maintained by my algorithms [ have attached a copy of my report with the accounts in question evident.
Thank you for your assistance.
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( lead on my case } A copy of the credit report I got from the US Government whose clean and easy interface puts yours to shame Ps Have a Nice Day Credit Report Prepared For XXXX XXXX XXXX Personal & confidential Date generated : XXXX XXXX XXXX At a glance XXXX Score XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Fair XXXX Account summary Open accounts8 XXXX XXXX Accounts ever late1 Closed accounts6 Collections0 Average account age12 yrs 1 mo Oldest account22 yrs 4 mos Overall credit usage Chart Chart with 1 data point.
1 % The chart has 1 Y axis displaying values. Data ranges from 1 to 1.
1 % End of interactive chart.
Credit used : {$2700.00} Credit limit : {$150000.00} Debt summary Credit card and credit line debt {$2700.00} Self-reported account balance {$0.00} Loan debt {$0.00} Collections debt {$0.00} Total debt {$2700.00} Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX Personal information Name XXXX XXXX XXXX Also known as - Generational identifier - Year of birth XXXX Addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Employers XXXX XXXXXXXX XXXX XXXX XXXX Personal statements No Statement ( s ) present at this time Prepared For XXXX XXXX XXXXDate generated : XXXX XXXX XXXX Open accounts XXXX Exceptional payment history {$0.00} Balance updated XX/XX/XXXX Account info Account nameXXXX Account numberXXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen/Never late.
Status updatedXXXX XXXXXXXX Balance {$0.00} Balance updatedXXXX XXXX XXXX Credit limit {$15000.00} Credit usage0 % Monthly payment {$0.00} Highest balance {$7500.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX Exceptional payment history {$650.00} Balance updated XX/XX/XXXX Account info Account nameXXXX Account XXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX, XXXX Open/closedOpen StatusOpen/Never late.
Status updatedXXXX XXXXXXXX Balance {$650.00} Balance updatedXXXX XXXX XXXX Credit limit- Credit usage- Monthly payment {$0.00} Highest balance {$9400.00} Terms1 Month ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated : XX/XX/XXXX APPLE CARD/GS BANK USA 2 late payments {$33.00} Balance updated XX/XX/XXXX Account info Account nameAPPLE CARD/GS BANK USA Account numberXXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen. {$32.00} past due as of XX/XX/XXXX.
Status updatedMay XXXX Balance {$33.00} Balance updatedXXXX XXXX XXXX Credit limit {$11000.00} Credit usage0 % Monthly payment {$0.00} Last Payment DateXXXX XXXX XXXX Past due amount {$32.00} Highest balance {$33.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days Data Unavailable Contact info AddressXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history {$1.00} Balance updated XX/XX/XXXX Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen/Never late.
Status updatedXXXX XXXX Balance {$1.00} Balance updatedXXXX XXXX XXXX Credit limit {$20000.00} Credit usage0 % Monthly payment {$1.00} Last Payment DateXXXX XXXX XXXX Highest balance {$3800.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history {$1800.00} Balance updated XX/XX/XXXX Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen/Never late.
Status updatedXXXX XXXX Balance {$1800.00} Balance updatedXXXX XXXX XXXX Credit limit {$15000.00} Credit usage11 % Monthly payment {$40.00} Last Payment DateXXXX XXXX, XXXX Highest balance {$4000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history {$0.00} Balance updated XXXX XXXX XXXX Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen/Never late.
Status updatedXXXX XXXX Balance {$0.00} Balance updatedXXXX XXXX XXXX Credit limit {$5000.00} Credit usage0 % Monthly payment {$0.00} Last Payment DateXXXX XXXX XXXXXXXX Highest balance {$3300.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history {$230.00} Balance updated XX/XX/XXXX Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen/Never late.
Status updatedXXXX XXXXXXXX Balance {$230.00} Balance updatedXXXX XXXX XXXX Credit limit {$8500.00} Credit usage2 % Monthly payment {$40.00} Last Payment DateXXXX XXXX XXXX Highest balance {$5000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated : XX/XX/XXXX XXXXXXXX XXXX Exceptional payment history {$0.00} Balance updated XX/XX/XXXX Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeHome Equity Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen/Never late.
Status updatedXXXX XXXXXXXX Balance {$0.00} Balance updatedXXXX XXXX XXXX Credit limit {$75000.00} Credit usage0 % Monthly payment {$0.00} Last Payment DateXXXX XXXX XXXX Highest balance {$10000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX ND XXXX ND XXXX XXXX XXXX XXXX ND XXXX ND XXXX XXXX XXXX ND XXXX ND XXXX ND XXXX / Terms met ND No data for this period Data Unavailable Contact info AddressXXXX XXXX XXXX XXXX XXXX LA XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX Closed accounts XXXX XXXX XXXXXXXX Exceptional payment history {$0.00} Closed Account info Account nameXXXX XXXX XXXXXXXX Account XXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX Open/closedClosed StatusClosed/Never late.
Status updatedXXXX XXXXXXXX Balance {$0.00} Balance updatedXXXX XXXX XXXX Credit limit {$10000.00} Monthly payment- Last Payment DateXXXX XXXX XXXX Highest balance {$10000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Comments Account closed at consumer 's request Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history Closed Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX XXXX Open/closedClosed StatusPaid, Closed/Never late.
Status updatedXXXX XXXXXXXX Balance- Balance updated- Credit limit {$15000.00} Monthly payment- Last Payment DateXXXX XXXX XXXX Highest balance {$8000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Comments Account closed at credit grantor 's request Prepared For XXXX XXXX XXXXDate generated : XX/XX/XXXX XXXX XXXX Exceptional payment history Closed Account info Account nameXXXX XXXX Account numberXXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX Open/closedClosed StatusPaid, Closed/Never late.
Status updatedXXXX XXXX Balance- Balance updated- Credit limit {$24000.00} Monthly payment- Last Payment DateXXXX XXXX XXXX Highest balance {$20000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Comments Account closed at consumer 's request Prepared For XXXX XXXX XXXXDate generated : XXXX XXXX XXXX XXXX XXXX Exceptional payment history Closed Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeHome Equity Date openedXXXX XXXX XXXX Open/closedClosed StatusPaid, Closed/Never late.
Status updatedXXXX XXXX Balance- Balance updated- Credit limit {$75000.00} Monthly payment- Last Payment DateXXXX XXXX XXXX Highest balance {$0.00} Terms- ResponsibilityJoint Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info AddressXXXX XXXX XXXX XXXX, LA XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXXXXXX XXXX XXXXDate generated : XXXX XXXX XXXX XXXX Exceptional payment history Closed Account info Account nameXXXX Account XXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX XXXX Open/closedClosed StatusPaid, Closed/Never late.
Status updatedXXXX XXXXXXXX Balance- Balance updated- Credit limit {$1000.00} Monthly payment- Last Payment DateXXXX XXXX XXXX Highest balance {$120.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Comments Account closed at consumer 's request Prepared For XXXXXXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history Closed Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXXXXXX, XXXX Open/closedClosed StatusPaid, Closed/Never late.
Status updatedXXXX XXXXXXXX Balance- Balance updated- Credit limit {$2500.00} Monthly payment- Last Payment DateXXXX XXXX, XXXX Highest balance {$2200.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated : XX/XX/XXXX Collection accounts No collection accounts reported.
Prepared For XXXX XXXX XXXXDate generated : XX/XX/XXXX Public records No public records reported.
Prepared For XXXX XXXX XXXXDate generated : XXXX XXXX XXXX Inquiries XXXX XXXX Inquired on XXXX XXXX XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Prepared For XXXX XXXX XXXX generated : XX/XX/XXXX Credit scores XXXX Score XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Your score is below the average score of U.S. consumers, though many lenders will approve loans with this score.
What's helping Low revolving credit usage You've limited the use of your available revolving credit.
Ratio of your revolving balances to your credit limits : 3 % For XXXX High Achievers, the average ratio of the revolving account balances to credit limits is less than 7 %.
XXXX Scores evaluate the total revolving account balances in relation to the total credit limits on those accounts. People who keep their ratio of balances to credit limits low pose less risk to lenders than those with higher ratios.
Long credit history You have an established credit history.
Your oldest account was opened : 22 Years, 4 Months ago XXXX High Achievers opened their oldest account 25 years ago, on average.
Average age of your accounts : 12 Years, 1 Month Most XXXX High Achievers have an average age of accounts of 9 years or more.
XXXX Scores measure the age of the oldest account and the average age of all accounts being reported. Generally speaking, having a relatively long credit history and not opening many new accounts is reflective of lower risk.
What's hurting Serious delinquency You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report.
Number of your accounts that were ever 60 days late or worse or have a derogatory indicator : 1 account Virtually no XXXX High Achievers have a 60 days late payment or worse listed on their credit report.
The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late payments are more likely to pay late in the future. As these items age, they will have less impact on the XXXX Score. Most late payments stay on your report for no more than seven years.
Recent missed payment You recently missed a payment or had a derogatory indicator reported on your credit report.
Your most recent missed payment happened : 1 Month ago About 98 % of XXXX High Achievers have no missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average.
The presence of missed or late payments or derogatory indicators on a credit report, including the number of missed payments, how late they were and how recently they occurred, are correlated with future credit risk. Generally speaking, people who consistently pay their bills on time are less risky compared to people with recently missed payments. As missed payments age, they have less impact on a XXXX Score.
Lack of recent non-mortgage loan information You have a lack of recent activity from a non-mortgage installment loan.
Your credit report shows a {$0.00} balance on your non-mortgage loans ( such as auto or student loans ) or a lack of sufficient recent information about your loans. Having a non-mortgage installment loan with no missed payments and a low balance along with other types of credit demonstrates that a person is able to manage a variety of credit types. Having a 0 % installment loan balance to loan amount ratio is considered slightly more risky than having a low installment loan ratio.
Few accounts paid on time You have an insufficient number of accounts that are currently paid as agreed.
Number of your accounts currently being paid as agreed : 7 accounts XXXX High Achievers have an average of 6 accounts currently being paid as agreed.
The XXXX Score considers the number of accounts showing on time payments. Generally, the higher the number reported the lower the risk. Compared to other people with a similar age of credit history, the number of accounts you have that are currently paid as agreed is low.
Prepared For XXXX XXXX XXXX generated : XX/XX/XXXX Disclaimer About your XXXX Score XXXX or other XXXX Scores Your XXXX Score XXXX powered by XXXX XXXX is formulated using the information in your credit file at the time it is requested. Many but not all lenders use XXXX Score XXXX. In addition to the XXXX Score XXXX, we may offer and provide other base or industry-specific XXXX Scores ( such as XXXX Auto Scores and XXXX Bankcard Scores ). The other XXXX Scores made available are calculated from versions of the base and industry-specific XXXX Score models.
Base XXXX Scores ( including the XXXX Score XXXX ) range from XXXX to XXXX. Industry-specific XXXX Scores range from XXXX. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower XXXX Score indicates to lenders that you may be a higher credit risk. There are many scoring models used in the marketplace. The type of score used, and its associated risk levels, may vary from lender to lender. But regardless of what scoring model is used, they all have one purpose : to summarize your creditworthiness. Keep in mind that your score is just one factor used in the application process. Other factors, such as your annual salary and length of employment, may also be considered by lenders when you apply for a loan.
What this means to you : Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have included faster credit approvals, reduction in human error and bias, consistency, and better terms and rates for American consumers through reduced costs and losses for lenders. Your lender or insurer may use a different XXXX Score than XXXX Score XXXX or other base or industry-specific XXXX Scores provided by us, or different scoring models to determine how you score.
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| 08/17/2023 |
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- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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XXXX will not suffer a wrong to be without remedy This agreement has been inequitable for me and my payments have been refused.
This notice is for a refund of any security interest I have given you in this contract.
This notice is a termination of any security interest I have given you in this contract.
Effective immediately, for past, present, and future, any consent I have knowingly and or unknowingly, whether it be written or unwritten, verbally or nonverbally, given to the following, I hereby rescind ; I hereby rescind all past, present, and future security interest Ive given you in this contract. I am hereby requesting a refund of all security interest I may have given you. I hereby rescind all past, present, and future agreements I made allowing you to report late payments, missed payments, and other defaults of account to my consumer report. I hereby rescind all past, present, and future waivers of my rights. I hereby rescind all past, present, and future assignment. You may not act without my prior consent. I hereby rescind all past, present, and future permission I granted allowing you to make changes to this agreement without my consent. I am the only person who signed for the contract and Im the only person who can make any changes. Its appears that language fraud was used to induce my participation in an unconscionable and inequitable contract.
Making an application for an extension of credit is a way of investing into companies who use short term debt instruments as a way of temporary financing. Owners of book-entry securities are issued statements. The draft attached to my statement is a bill equal to the amount of securities purchased and paid for with my credit. The bill amount is the security my credit purchased. Selling access to my credit makes me the purchaser of the bill. My credit purchased the bill. The draft is guaranteed because the bill has already been purchased, by me, and now the bill must be paid. Im entitled to have my financial assets credited to my securities account.
Ive been trying for months to complete the purchase of securities I purchased on credit with the extension of credit I received from Goldman Sachs in exchange for the investment of my application. The note is the part of the agreement where I promise to pay the amounts billed to me. Since the application is where the agreement is made, the application is the promissory note. My application created the deposit account and holds the purchase money that my application was exchange for. This account and the purchase money therein allows me to purchase more security on credit from the issuer in an amount no greater than the purchase money held on deposit at the time of purchase. Every purchase I make using my account is a deposit with the issuer of the bill. The deposit amount is the security I purchased from the issuer. The cash advance I received for investing my credit, via application, with Goldman Sachs is called purchase money because that money is used to purchase money, or security. Purchase money is used to purchase money. The deposit account, the purchase money in that account, the card used to make purchases, and all bills received from the transactions of that account are financial assets to me. This deposit account is a securities account being held on my behalf with the issuer of the monthly statements I receive. My credit is backed by the full faith and credit of the United States. Every security is backed by the full faith and credit of the United States. I am a trust account customer. My social security account is the account being used to hold my deposit account. The deposit account is a securities account. This is why I can gain access to the transaction history of my deposit account by verifying my social security number over the phone with the issuer of my monthly statements. Goldman Sachs is the issuer of the monthly statements I receive. These statements evidence my ownership of book-entry securities. The due bill is a statement of money owed as when a bank sells a security and receives payment but has not delivered the security or equivalent asset to the purchaser within three business days. Outstanding due bills are considered borrowed funds by a bank issuing a bill and a loan to the holder of the obligation. This paper I received, and am now returning, is considered eligible paper for rediscount at the discount window. This form of paper money, the bill, are the funds you use as payment to borrow and use my credit as collateral for a securities loan. Credit card receivables are bill payments. Your using my financial assets as collateral for a securities loan at the discount window.
I have received the title documents and receipts for goods ( securities ) transported and I now want all of my unredeemed demand drafts, of past present and future, redeemed at face value, exchanged for securities of a new issue, and restricted to my United States Treasury Direct account. This paper money is legal tender that must be securitized to lawful money. Once its stripped and the coupon is restricted to my Treasury Direct Account my bill is considered paid. Whether the statement has a preprinted draft attached or not, this is how I want all bills payable to be paid for every account being held by Goldman Sacs on my behalf. This includes the account associated with my Apple by Goldman Sacs credit card. The Treasury will make the principle payment to the securities account you are holding on my behalf by issuing you the preprinted demand draft as a receipt via wire transfer. The interest rate your normally entitled to is the discount you receive on redemption at par. The XXXX coupon security is a marketable security. When you get the cusip number I want you to trade or sell my security, at your discretion, on secondary market. I know by law you are entitled to receive 20 % at maturity. At maturity I want my 80 % deposited to my Treasury Direct Account.
I continue receiving notice that my bill is payable. Bills payable are your trade obligations that must be accepted. Acceptance is guaranteed because the draft is guaranteed. The draft is guaranteed because the preprinted demand draft is a check payable on sight. Attached to the preprinted demand draft is a receipt of the goods being transported. The goods being transported are the numbers on the bill that represent the security purchased. I know acceptance is completed by delivery or notification and payable on sight. This is not an acceptance this is a demand because the draft is a demand. Consider this my notification.
Consider this my final notification because I have notified you of my concerns thrice before. You and your Indenture Trustee are already in dishonor of your obligations to perform in this matter. Attempting to make me believe my bill payment belongs to you is a deceptive business practice. I received notice that you closed my account. You do not have my permission to close my account. Closing my account is unauthorized. That action was unfair as dictated by reason and practice. Closing my account after I attempted to exercise my rights in good faith is discriminatory. Discrimination in relation to any aspect of a credit transaction is strictly prohibited by law.
Sadly I suspect your dishonor is knowingly and willingly negligent noncompliant. I also suspect you are in collusion with XXXX, XXXX, and XXXX in an attempt defame my character as a result of non payment by intimidating me with negative credit reporting.
I know you accept Non-Conforming Payments. However I sent you a proper form of payment. Ive attempted to pay my bill several times previously and my Conforming Payments have been refused and remain unreturned. This leads me to think that you took my payment for yourself. I want my account reopened upon receipt of this notice. If my account is not reopened, made current with all payments reporting on time and paid as agreed, I will know your attempt at securities fraud and extortion is purposeful and deliberate. I have all documentation ready and available as evidence to prove my claim if and when necessary.
The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United Statesnotes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of theUnited States, stamps and other representatives of value, of whatever denomination, issued under any Act ofCongress, and canceledUnited Statesstamps.
On page two of the monthly statements I receive I notice a section titled Proper Form of Payments by Mail. Here it says payment should be sent to the address listed on the remittance portion of your Statement. I received this remittance because you, at Goldman Sacs, has a bill that is a due bill.
Bill 1. Bill of exchange 2. Bill of lading 3. Treasury bill 4. Due bill, a statement of money owed as in when a bank sells a security and receives payment but has not delivered the security or equivalent asset. Outstanding due bills are considered borrowed funds by a bank issuing a bill, and a loan by the holder of the obligation. In the securities industry, a bill indicates the amount owed by a buying broker to a selling broker.
Every time I use my credit card associated with this account to make a purchase, what Im actually purchasing is security from the issuer of the bill. This security is delivered to me by way of remittance. I receive a remittance because Im selling you access to my credit. You, the issuer, are buying access to my credit. A remittance is how you deliver me the money owed or equivalent asset whether in cash or cash equivalent. This paper money is cash equivalent.
REMITTANCE 1. Payment toward satisfaction of a debt, whether in cash or cash equivalents, such as checks, drafts, and other negotiable instruments.
2. Payment on an installment loan or open-end credit account, forwarded through the mail to a LOCK BOX, along with a remittance document, a machine readable billing document encoded with the customers account number, and the amount due, plus any late charges, if the loan payment is delinquent.
3. PROCEEDS from a check submitted to another bank for COLLECTION.
I was delivered this remittance from Goldman Sachs as payment towards satisfaction of a debt for not delivering the security purchased at the time of the purchase. This remittance is a cash equivalent that has a bill of exchange attached to it and the bill must be exchanged or redeemed for securities of a new issue. This bill of exchange is a bank draft. I received the remittance because the proceeds from the check attached belong to me. The only way the proceeds can be received by me, in a usable form such as cash, is to send you the bill for payment as promised. The proceeds amount stated on the check is the value of the bill, much like how the number on a federal reserve note indicates the value of that bill.
LOCK BOX Post office box used by organizations to accelerate collection of receivables. Checks are routed a designated po box number, where they are picked up several times during the day, separated from the envelopes, and submitted to the check collection system for conversion into cash receivables. Many large banks offer lock box processing as a cash management service to corporate customers. A lock box can be retail, designed for remittance processing for customer accounts, or wholesale, in which payments from other corporations are collected and submitted through DEPOSITORY TRANSFER CHECK or electronic debit payments into a concentration account.
The address listed on the remittance portion of the statement is a lock box address for credit card receivables. Checks are routed to lock boxes. The remittances I receive are check payments that I am the beneficiary of. When the preprinted demand draft is stripped from the bill of lading, they can be processed as two separate securities. My demand draft needs to be securitized and shall be redeemed on demand at the Treasury Department of the United States. I can not detach the coupon in advance because coupon stripping can only be done by a trust fiduciary.
DEPOSITORY TRANSFER CHECK Preprinted DEMAND DRAFT used by corporations to make transfers of cash from a checking account at one bank to a CONCENTRATION ACCOUNT at another bank. This negotiable instrument requires no signature.
A remittance is a preprinted demand draft called a depository transfer check. When the depository transfer check is submitted to the paying bank, the proceeds will be deposited to the concentration account of the person who issued the bill.
CONCENTRATION ACCOUNT Deposit account into which funds are periodically transferred from various local banks, via wire transfer or automated clearing house debit, from other accounts in the same bank, or in different banks.
A concentration account is also known as a zero-balance account.
ZERO-BALANCE ACCOUNT Checking account used by corporations to accelerate collection of funds from subsidiaries, or control funds disbursed to pay trade creditors. In a zero-balance collection account, collected balances are transferred by DEPOSITORY TRANSFER CHECK or automated clearing house debit from subsidiary accounts into a central CONCENTRATION ACCOUNT, bringing the collecting account to a XXXX balance at the end of each business day. Zero-balance concentration accounts are generally wanting centralized control of cash receipts. In a zero-balance disbursing account, corporate funds are transferred from a master account in an amount sufficient to cover checks presented for payment. Zero-balance disbursement accounts are typically used by companies that want centralized cash control but decentralized funds disbursement.
My security account, the account your holding on my behalf, is the account with the balance at the beginning of the day. The collecting account with a XXXX balance at the end of the day is also my account. My account has a XXXX balance because an amount sufficient to cover checks presented for payment are transferred from your zero-balance disbursement account to my account. You request that I write my account number as a memo on the check so when you get the check back as a receipt from the payor bank you will know which collecting account to make the disbursement to. My account is collecting the amount transferred from your disbursement account because my check is the check presented for payment.
The directions also state to enclose a valid check, include name and account number on the check, include payment coupon and no cash permitted.
COUPON Detachable certificates showing the dollar amount of interest payable to a bond holder at regular intervals, ordinarily semiannually. Coupons on a BEARER BOND are negotiable instruments and are processed just like checks. Bond interest on BOOK-ENTRY securities is credited to the owners account.
The dollar amount on my coupon is my bond interest. Im the owner of the account collecting the bond interest. When my bond interest is credited to my account, my account will have a XXXX balance at the end of the business day. This coupon is processed just like a check because this coupon is a DEPOSITORY TRANSFER CHECK. My coupon is a preprinted DEMAND DRAFT. The coupon can only be stripped by a trust fiduciary.
DEMAND DRAFT Written order demanding that payment be made, on sight, to a third party. The person writing the draft is called the drawee ; the bank making the payment is the drawer, or the payor bank.The beneficiary of a demand draft, the person receiving the payment, is the payee. Drafts may be payable at some future date ( time drafts ) or on sight ( demand drafts ). Demand drafts drawn on by banks are known as CHECKS.
Since this draft is preprinted, the issuer, Goldman Sachs in this case, is the drawee. The United States Treasury General Account is the checking account used by the Department of U.S. Treasury from which the U.S. government makes all of its payments. The Federal Reserve Bank of New York holds the Treasury General Account and is the drawer, payor bank. I am the beneficiary of the demand draft, the person receiving payment, the payee. I am the payee. My demand draft needs to be securitized and shall be redeemed on demand at the Treasury Department of the United States.
- CHECK Demand draft drawn on by a bank.
This remittance coupon is a check owed to me in payment of bond interest on book-entry securities that must be credited to my account. The coupon is a valid check. This check must be sent for presentment to the United States Treasury for redemption or in exchange for securities of a new issue. Treasury Direct makes principle, interest, and redemption payments, directly to an individual investors account at a financial institution. I am an individual investor with an account at your institution.
PROCEEDS 1. Amount given to a borrower after prepaid interest, loan fees, and other costs are deducted.
2. Funds received from the sale of assets, or from the issue of securities, after deductions of selling or marketing expenses incurred.
3. Sum of money collected on a CHECK or other negotiable instrument after deduction of exchange or collection charges.
The bank sells me a security every time I make a purchase using the card associated with the account. When I dont receive the assets, within 3 business days, the funds for the purchase are considered borrowed, your sale becomes a DUE BILL, and the borrowed funds must be returned to me. The PROCEEDS from the REMITTANCE I receive is payment toward the satisfaction of the money owed to me. The DUE BILL is attached to my REMITTANCE. I promised to pay you the bill. I did not promise to pay you the PROCEEDS from my REMITTANCE. The COUPON is my bond interest on my book-entry securities that must be credited to my account. My REMITTANCE COUPON is a preprinted DEMAND DRAFT called a DEPOSITORY TRANSFER CHECK. The DEPOSITORY TRANSFER CHECK is a DEMAND DRAFT payable on sight. Since I promised to pay you the DUE BILL a trust fiduciary must strip my COUPON and process them as separate securities. The equitable agreement is that I promise to pay you the DUE BILL and you must process my CHECK as a check payment. At redemption the DEPOSITORY TRANSFER CHECK will be deposited and you will receive a receipt, which has actual cash value, for the face amount, deposited via wire transfer into your CONCENTRATION ACCOUNT, for zero-balance disbursement to my account which is the account collecting the balance. When all disbursements are made to collecting accounts, the CONCENTRATION ACCOUNT, and all the collecting accounts will have a zero-balance by the end of that business day. Your PROCEEDS come from the deep discounts you receive at redemption. Separating the corpus, or the bond principle, from the interest COUPON effectively creates a zero-coupon security that can be traded on the secondary market. My PROCEEDS is the sum of money collected on the check I received from the issue of securities. The PROCEEDS from the CHECK is my REMITTANCE. When I receive the PROCEEDS from my REMITTANCE, my financial asset, or its equivalent, is considered delivered. The PROCEEDS from the REMITTANCE is considered income. You, Goldmans Sachs, have been keeping my income for yourself.
- CASH 1. Currency ( including bills and coin ) in circulation, including checking account balances. Cash held by a bank for example VAULT CASH, requires no capital backing under risk-based capital rules adopted by bank regulatory agencies.
2. To convert a check into cash by endorsing and presenting to a bank.
Checking account balances are considered cash. Sending you a check where funds will be debited from my checking account balance is the same as sending you cash and that would constitute payment not received in proper form. The only check I can send you as a Proper Form of Payment by Mail is my remittance check.
ELECTRONIC CHECK PRESENTMENT In check clearing, electronic transmission of the check writers account number and other payment data directly to the paying bank. Electronic check presentment does not eliminate use of paper checks, but it does allow for a more efficient and less costly method for clearing checks. The Check Clearing for the 21st Century ( or Check 21 ) Act permits banks to send a digital image of a paper check instead of the actual check and thus eliminates much of the labor-intensive costs associated with clearing billions of checks Americans write every year.
Due to federal law, known as The Check Clearing for the 21st Century Act, enabling banks to process paper checks as electronic payments, using a bank service called truncation, where the actual handling of the check is stopped and an electronic check image of the paper check is transmitted to the paying bank. At the paying bank a substitute check is created for check clearing. The actual paper check is held by you and the check is not returned to the check writer with the account statement. I am in receipt of the account statement. I am the check writer with the account statement. Some of the payment data is already preprinted on the check. The other payment data that I add to the preprinted draft such as For Deposit Only makes me the writer and the payee. I promised to pay you the DUE BILL. The DUE BILL is the corpus, or the paper above the perforated line. The corpus also carries the bill of lading with it. The bill of lading are the numbers on the DUE BILL which act as a receipt detailing the security purchase. The receipt is a bill of exchange that can be deposited and exchanged for a treasury bill. The bill is your payment and the remittance is my payment.
SENDING YOU MY REMITTANCE CHECK FOR PAYMENT IS A PROPER FORM OF PAYMENT BY MAIL. I AM ONCE AGAIN PROVIDING YOU WITH A CHECK FOR PAYMENT AND I AUTHORIZE YOU TO EITHER USE INFORMATION FROM MY CHECK TO MAKE A ONE-TIME ELECTRONIC FUNDS TRANSFER FROM MY ACCOUNT PROCESS MY PAYMENT AS A CHECK TRANSACTION.
I have been sending you checks and you have not processed any of them. I have been sending you checks, you have refused them all, you closed my account, you not only threaten to report my account, you actually do report and continue to report my account negatively to the consumer reporting agencies.
I will attach a copy of the most recent bill and check sent for payment.
All actions taken by me are done in good faith Without prejudice All Rights Reserved Ubi Jus Ibi Remedium
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| 04/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Hi, below is the shortened version of my complaint : I am writing to file a complaint regarding my Apple Card account, managed by Goldman Sachs Bank USA. The issue involves inaccurate reporting of late payments and their negative impact on my credit score.
Issue Overview : - Two 30-day late payment marks were inaccurately reported for XX/XX/XXXX and, most recently, XX/XX/XXXX.
- A new, unexplained 30-day late payment mark for XX/XX/XXXX.
- XXXXpoint credit score loss due to these negative marks.
- Inability of Apple Card representatives and Goldman Sachs Bank USA - Analysts to resolve the issue or provide adequate explanations.
Background : I have been trying to resolve this issue since XX/XX/XXXX, making multiple calls, submitting disputes, and requesting complaint submissions. Despite repeated assurances from Apple Card representatives that the late payment marks would be removed, the issue persists.
Impact : I am currently six months into a XXXX XXXX, and this situation has caused significant stress and negatively impacted our housing plans and overall credit report.
Previous Attempts at Resolution : I have contacted Apple Card representatives, level 2 and 3 supervisors, and Goldman Sachs Bank USA Analysts multiple times between XX/XX/XXXX and XX/XX/XXXX, but the problem has not been resolved. It has worsened with an additional, unexplained late payment mark for XX/XX/XXXX.
Request for Investigation : I kindly ask that your department investigate this complaint, review the detailed notes and call recordings from my interactions with Apple and Goldman Sachs Bank USA, and correct the inaccuracies on my Apple Card account.
Additional Information : Please note that the first email I received in response to my dispute did not address my complaint about the 30-day late payment mark for XX/XX/XXXX but instead discussed interest charges.
I can provide detailed notes, email records from Apple showing the late payment notices they sent despite my timely payments, and the email dispute correspondence that continues to deny my dispute.
Thank you for your attention to this matter. I look forward to a prompt and just resolution.
_______________________________________________ Below is the longer, in-depth detail regarding my complaint : I am writing to request your assistance in a complaint case against Apple Inc. Credit Card due to their negligence in handling my credit reporting issue, which has significantly impacted my credit score, financial standing, and overall well-being.
I would like to complain about the two negative 30-day late marks reported to all three credit bureaus that remain incorrect, and the most recent late mark for XX/XX/XXXX that Goldman Sachs Bank USA XXXX Apple Card sent me an email denying my dispute and removing this incorrect mark for the fifth time. I now have an open dispute once again regarding this incorrect credit report.
Apple Inc. 's negligent handling of credit reporting and multiple failed attempts to resolve the incorrect 30-day late credit mark since XX/XX/XXXX.
Potential violations of the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCRA ), including inaccurate reporting, negligence, and failure to investigate and correct inaccurate information when notified.
Severe damages to me resulting from Apple 's actions and negligence, such as a substantial drop in credit score, closure of a credit card account, impacts on home buying plans, and extreme emotional distress during my XXXX XXXX, among other consequences.
Apple 's negligence since XX/XX/XXXX for misconduct and reckless disregard for my consumer rights, including inadequate customer support and persistent failure to resolve the issue, and an inaccurate internal system that led to many of my disputes returning emails that addressed a completely different issue and refused to remove the negative marks.
I believe Goldman Sach Bank USA - Apple Card 's actions and lack of appropriate response since XX/XX/XXXX and XX/XX/XXXX XXXX have potentially resulted in violations of the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCRA ) regarding my complaint that include : Lower credit score : Erroneous late payment report - Apple 's reporting of a XXXX late payment to credit bureaus, despite my timely payments that were not XXXX late, could be a violation of the FCRA and CCRA, as they require accurate reporting of consumer credit information.
Potential Bad business practices : Prolonged negative impact on my credit - Apple 's failure to address and correct the erroneous late payment report first XX/XX/XXXX and a second time on XX/XX/XXXX, despite my multiple attempts to resolve the issue since XX/XX/XXXX and still currently now in XX/XX/XXXX, could be considered a violation of the FCRA and CCRA. These acts require creditor agencies and furnishers of information to investigate and correct inaccurate information when notified.
While the other consequences and damages I have experienced due to the credit reporting issues, such as emotional distress, hardship, pain and suffering, lost opportunities, and punitive damages, are not directly related to violations of the FCRA and CCRA, they support my complaint.
Since XX/XX/XXXX, I have been experiencing difficulties with getting Apple both not to report me for late payment when the payment had been made and also removing all 30-day late marks from my report. They reported on XX/XX/XXXX and then most recently on XX/XX/XXXX as 30 days late to all three credit bureaus that still appear on my account and were denied to be removed via email on XX/XX/XXXX, despite this being incorrect.
I submitted monthly disputes and complaints with Apple Card regarding this inaccurate credit report each time. I received a response from Apple Card denying my dispute which allowed the 30-day late marks with the credit unions to remain. The XX/XX/XXXX 30-day mark by Apple Card remains on all three credit reports inaccurately despite my not being late.
Although I continued receiving late payment notices throughout XX/XX/XXXX and called during the dispute multiple times to prevent my credit score from being impacted as my husband and I was planning to buy I house, I was assured that I would not be reported late to the credit bureaus by representatives I still was reported 30 days late to all three bureaus at the end of XX/XX/XXXX inaccurately and remain so until the end of XX/XX/XXXX.
I am concerned that I was assured multiple times that I would not be reported as the payment on time for the minimum balance was clear. I still received the email and showed on my credit report that Apple Card marked me late by 30 days with all three bureaus despite my payment being seen on my credit card statement and the representatives I spoke to.
One representative even shared that they thought it was a system error and should be easily fixed as it was clear. Yet, the negative mark remained in XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and a new mark appeared and remains as of XX/XX/XXXX, which is also incorrect.
This is concerning as I have never been late 30 days on my Apple Card, yet now have been reported late by 30 days to the credit bureaus twice by Goldman Sachs Bank USA XXXX Apple Card, and my credit remains with a negative 30-day mark for XX/XX/XXXX, and my dispute again denied via email on XX/XX/XXXX, for the fifth time despite this being incorrect with multiple complaints and disputes already submitted.
This ongoing issue since XX/XX/XXXX continues to cause me severe stress and anguish and impact my overall health, as I am six months XXXX with a XXXX XXXXXXXX as I submit disputes and complaints that are resulting in the continued inaccurate reporting by Apple Card XXXX
Throughout this process of disputes and complaints about the XX/XX/XXXX late payment notices and then 30-day late marks, I have contacted Apple 's customer support every single month, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently, XX/XX/XXXX and multiple times and spoken with several representatives and level 2 and level 3 Apple Card supervisors via phone. Many representatives could see the error, while others argued with me about me being late 30 days when this was untrue and remains to be untrue as I have never paid Apple late by 30 days and have my statements and records to prove it.
No matter how many supervisors I speak to, Apple representatives I ask for support in solving this with the final notice for the fifth time on XX/XX/XXXX, was still emailed to me, leaving me with the inaccurate XXXX mark on my credit report for XX/XX/XXXX which I did not pay 30 days late.
Even more concerning is that when I asked about XX/XX/XXXX, most recently this XX/XX/XXXX, the representatives I spoke to could not explain the negative mark and had no notes about it.
Due to no response via the fifth dispute denied a few days ago, and the sixth dispute in the process alongside multiple complaints about the 30-day mark and this entire reporting of inaccuracies of my credit report that has not resolved the issue, I am submitting this official complaint about Goldman Sachs Bank -Apple Card .
Most recent update is below as of XX/XX/XXXX : Due to the new XX/XX/XXXX XXXX late mark on all three credit reports and the representatives telling me there was nothing I could do other than put in another complaint and dispute that continues to be fruitless, I decided to email Goldman Sachs Bank USA directly via their corporate investor email address I located online.
In the email to the Goldman Sachs Bank USA corporate investor, I shared my problem with no resolution, several complaints, and disputes via the Apple card with the two 30-day negative marks placed incorrectly on my credit report that have failed to be resolved since XX/XX/XXXX.
I explained how the 30-day initial negative mark to all three credit bureaus for XX/XX/XXXX dropped my score by XXXX points. The second negative mark posted a week ago for XX/XX/XXXX by Apple Card dropped my credit score another XXXX points. I expressed how this has not only impacted my credit score and health, but it has also impacted my family 's plans to purchase a house.
Yet, despite my insistent complaints and disputes, Apple Card refused to remove the negative marks, which I learned through the five emails I received denying my dispute.
In fact, despite my consistent follow-up and supervisor and representatives reporting they were taking detailed notes and pushing it to an internal " escalation team, '' the XX/XX/XXXX 30-day negative mark was not removed until the end of XX/XX/XXXX, leading to the XXXX drop in my credit score, and both disappointing and appallingly, the 30-day negative mark was immediately replaced with a 30-day negative mark for a new month which is XX/XX/XXXX,.
In response to the email I sent to the corporate investor Goldman Sachs Bank USA, I received a call from Goldman Sachs Bank USA via an Analyst who contacted me via phone this week.
During my recent phone conversation with the Goldman Sachs Back USA Analyst, they confirmed that I have a solid payment history with Goldman Sachs and acknowledged that I should not have been reported late for XX/XX/XXXX or XX/XX/XXXX as I had been adamantly making complaints and disputes about since XX/XX/XXXX.
The Goldman Sachs USA Bank Analyst shared they could see I have never been late 30 days on my Apple Credit Card payment. And although they assured me yesterday that they would do their best to reach out to the Credit Bureau Team at Apple to resolve this, the team training, and remove the negative XX/XX/XXXX mark from my credit report, I am highly concerned. As the new mark appeared for XX/XX/XXXX, immediately after the initial XX/XX/XXXX mark was removed, the same say led to my credit being knocked down further. When I asked the analyst why this had happened for XX/XX/XXXX, immediately replacing the XX/XX/XXXX negative mark that had been reported for months, they could not explain and expressed there were no notes in the system about Apple Card reporting me in XX/XX/XXXX. They shared that when I called, the call was recorded, so I hope this call can be pulled during the investigation to show this is all true and accurate regarding the difficulties leading up to the most recent XX/XX/XXXX inaccurate credit report by Apple Card that currently still remain on my credit report as of today XX/XX/XXXX.
The Goldman Sachs Bank USA analyst sent me no email confirmation of the work they shared they would do, and I am concerned that, again, this will be another fruitless investigation. The only record I have now is an email from Apple Card on XX/XX/XXXX, again denying my claim to remove the second 30-day mark from XX/XX/XXXX from my credit report. The rest is just supervisors and this analyst who has assured me via phone but has led to no correction of this major problem that now has led to two inaccurate reports on my credit by Apple Card.
Again, as of today, XX/XX/XXXX, my credit report reflects the 30-day late mark by Apple card that was inaccurate and denied only a few days ago. What was most concerning before the call dropped with the Goldman Sachs Bank USA Analyst was that they could not give me a clear reason why this new XX/XX/XXXX 30-day late mark showed up on my credit reports from Apple Card in the first place. They had no record of who or where it came from internally. I also spoke to an Apple supervisor about this XX/XX/XXXX 30-day late mark on all three credit reports. They also shared that the notes only show XX/XX/XXXX being reported 30 days late as a final response to the " Apple XXXX XXXX XXXX XXXX, '' which again is inaccurate despite the XX/XX/XXXX notice I received that denied my dispute of this inaccuracy. Again, I hope the phone records can be pulled with the latest supervisors at Apple Card I spoke to via phone who shared this information with me and shared they would escalate this matter.
No matter who I speak to, whether Apple Card representatives or supervisors at levels 2 and 3, in addition to this recent call after sending the email to the corporate investors that resulted in the Analyst calling me from Goldman Sachs, no one is sending me confirmation of this terrible error made twice! And no one has been able to explain this new XX/XX/XXXX mark that it appears no one kept a record of, again I hope the analyst call and the supervisor calls can be pulled in addition to all of the notes these past few months of my complaints and disputes to confirm all that I have shared regarding me attempting to resolve this incorrect credit reporting issue that remains.
Again, although the XX/XX/XXXX mark was removed after months of being on my credit report until XX/XX/XXXX, Apple Card immediately reported me late by 30 days for XX/XX/XXXX, and this still appears on my credit report for all three bureaus and so far as of XX/XX/XXXX, has not been explained although I have asked the notes only reflect the notes that say I am still late by 30-days and denying my claims.
On the call with the Goldman Sachs USA Bank Analyst, when asked about there would be an investigation into how this could happen after I made multiple calls and reached out about the late notices being inaccurate. Eventually, the 30-day late notice on my account admitted the system " needed to be improved. '' I am adamant that this appears to be more than a simple system problem as I was told detailed notes had been taken since XX/XX/XXXX and until even this month when I called about the newest dispute being denied on XX/XX/XXXX, yet nothing has been changed. In addition, no acknowledgment via email has been made, only denial letters. Thus I am forced to take word of mouth from multiple supervisors on levels 2 and 3 at Apple and this Goldman Sachs Bank Analyst who do not provide me written confirmation of what they are saying. I asked for the records of all of the complaints I have made, and detailed notes were taken via phone regarding my countless complaints and disputes and were told that may not be possible, so I am left making a dispute about these two inaccurate credit reports of marks for 30 days with your department in hopes that you can investigate how this happened, the internal dispute and complaint process and the XXXX XXXX 30 day negative mark that is now on my credit that could not be explained by the Apple Card supervisors nor the Goldman Sachs Bank USA Analyst.
I am concerned that the two 30-day marks appeared both for XX/XX/XXXX and not a new appearance in XX/XX/XXXX for XXXX XXXXdespite multiple assurances in XXXX from Apple Card representatives ; this was a mistake ; this would be fixed, and yet XX/XX/XXXX, I have the email record of Apple Card again denying my claim to remove that 30-day mark and today is XX/XX/XXXX.
I am also concerned that I asked Goldman Sach Bank USA Analyst about what they the XXXX loss due to these two incorrect negative marks inaccurately reported to the three bureaus twice, and he shared there was nothing he could do about that problem, although it has continued to be Apple Cards not just once in XXXX but over months even though I made multiple calls, submitted multiple disputes and requested multiple complaints be submitted and despite reassurance, the 30-day mark would be removed, a new negative mark has appeared for XX/XX/XXXX that Apple representatives and supervisors and Goldman Sachs Bank USA Analyst could not explain despite me fighting for my credit not to be impacted since I received the constant late notices starting at 5 days late in XXXX when I was not late.
I fear that due to negligence, this inaccurate reporting to the credit bureau regarding my payment history will continue, despite my reaching out and assurances from multiple people from different teams, yet as it has been, the problem progresses or stays the same.
I am reaching out now despite trying to work on this since XXXX because I am in a XXXX XXXXXXXX at 6 months. This most recent negative mark of XX/XX/XXXX reported by Apple Card has been detrimental to me, especially since where it came from and why could not be explained by Apple Card representatives or the Goldman Sach USA Bank Analyst. I am constantly stressed that despite reassurances, this will not be resolved, or a new mark will appear since accurate records are not being reported and missing information regarding XX/XX/XXXX can not, at this time, XX/XX/XXXX, be explained to me.
I have been told since XX/XX/XXXX this would be fixed. The exclamation department was working on it and yet can show five emails each not only denying my claim but at times not even addressing my claim but something entirely different, like the first notice I received about my dispute talking about interest and not the 30-day late mark I had made the dispute about and reached out about in XX/XX/XXXX.
Goldman Sachs USA Bank XXXX Apple Card since XX/XX/XXXX has given me assurances and promises that the first 30-day mark would be fixed. Now it is the second negative 30-day mark for XX/XX/XXXX, and I am again being made assurances with nothing in writing. No one has sent me an email confirming this error ; I only have my XX/XX/XXXX, an email stating that my dispute was denied and the report made to the credit unions would remain. w I was trapped in a loop until I personally found the email for Goldman Sachs Bank USA corporate investor team and reached out. Yet, despite this, they could not explain how the XX/XX/XXXX and despite detailed notes from Apple Team members that I was not late, I was still reported negative not once for XX/XX/XXXX but twice when they again Apple Card reported me late inaccurately and despite my asking why no reason can be given as the people tell me no notes about a late XX/XX/XXXX shows in the Apple Card system as of this week.
I remain very concerned. Despite the Analyst from Goldman Sachs Bank 's assurance yesterday that this will be investigated, I have been told this by Apple Card representatives and level 2 and 3 supervisors since XX/XX/XXXX, and every month I reached out in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The 30-day late notice has not been resolved, and the XX/XX/XXXX negative mark has not been explained. I only received another denial of my claim on XX/XX/XXXX. This situation has worsened as they again reported me late a second time on a different month and continue to impact my stress levels, our housing plans, my overall credit report, and so much more.
I hope this complaint can be investigated and your department can pull the detailed notes and call recordings from the calls I made to Apple from XX/XX/XXXX to XX/XX/XXXX, and yesterday XX/XX/XXXX, via a different number with the Goldman Sachs Bank USA Analyst.
Please do also note that the first denial emails for my dispute, refusing to correct the inaccuracies on my Apple card for the 30-day late mark for XX/XX/XXXX, resulted in an email on the dispute decision denial that had nothing to do with my complaint or dispute for the 30-day negative mark reported. The first email I received discussed interest when I kept calling to report the late notices in XX/XX/XXXX and share that I was not late.
I can provide detailed notes and email records from Apple showing the late notices they sent despite my payments, and the email dispute correspondence continues to deny my dispute.
Thank you.
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| 04/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I visited XXXX XXXX XXXX located on XXXX XXXX XXXX XXXX in XXXX, New Jersey. I stumbled upon the business a week earlier while driving through XXXX after leaving a different XXXX XXXX XXXX XXXX XXXX XXXXocated a few blocks over. I initially visited them to get a consultation however they didn't have any immediate availability until XX/XX/XXXX. I wanted a consultation a bit sooner. So, as a mental note, I snapped a picture of the XXXX XXXX XXXX Business sign so that I could look them up later on.
Fast Forward back to XX/XX/XXXX, I decided to look them up via XXXX and get their contact information while at work. I called them, and spoke with the receptionist, her name is XXXX, to inquire about scheduling a consultation, she stated that they had immediate availability and that I could come in the same day. I dropped everything and headed to their office. I met XXXX XXXX XXXX, we spoke briefly, formal greetings, before heading to get my XXXX taken by his XXXX XXXX, very personable. After my XXXX were taken, I was escorted to his chair. I shared in detail what I was looking to get done, which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I showed him a picture of what I was looking for which was a picture of XXXX, XXXX XXXX. Thats whose XXXX I admired and wanted to encapsulate. He agreed that he could make it happen, and then further suggested that We/ I get a complete XXXX XXXX Feeling encouraged by his response, I shared with him my ongoing insecurities about my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( didn't help much ), but it wasn't what I wanted, I wanted a BETTER XXXX I wanted XXXX XXXX- and that it's something that I've been wanting to do for YEARS, I literally saved up cash money for this very procedure, I was turning XXXX XXXX XXXX in XXXX, and did not want to spend more years feeling insecure about my XXXX It literally has affected my professional career, to an extent, and I wanted to address it with expediency.
After reviewing my XXXX and XXXX XXXX determining that he can make it possible for me to get XXXX XXXX, I began to ask him questions about the procedure in terms of pricing. He didn't share the amount immediately, but he did ask me about my credit. I shared that my score was XXXX ( XXXX ), and that I had {$14000.00} cash set aside to pay towards the procedure. So on this very day, he immediately contacted his finance department that assists with the clients financing their procedures. In less than 30 minutes, I was approved.
PRICE BREAKDOWN : The full amount came up to {$40000.00} which he said he would discount to {$36000.00}, which in reality was {$38000.00} ( See Treatment plan & Statement of Account receipt attached ) {$14000.00} cashiers check that I furnished - made payable to XXXX XXXX XXXX XXXX XXXX.
I had to finance through two different companies affiliated with the XXXX XXXX office ( see those documents & screenshots of approvals attached ) 2 ). Green Sky Program - I was approved for {$12000.00} XXXX ). XXXX XXXX XXXX I was approved for {$7500.00} XXXX. ) XXXX XXXX XXXX, XXXX XXXX- they used my entire XXXX allotment- almost {$2000.00} 5. ) Patient Courtesy ( Discount ) {$4200.00} The specific XXXX I agreed to pay for after being shown a chart with several types of XXXX that would suit my needs, I chose a well known type also known as XXXX XXXX XXXX XXXX XXXX which is a XXXX XXXX placed on the front of the XXXX to structure for an even and perfect XXXX Again I showed him a picture of XXXX XXXX XXXX which is the look I desired, a natural looking XXXX I made certain to emphasize the fact that I did NOT want my XXXX to look like they were XXXX He assured me that that would not be the case and that I was in good hands. I left the office that date encouraged and excited about the journey ahead to achieve my XXXX makeover.
XXXX gave me a scheduled date of XX/XX/XXXX at XXXX am to begin imaging and impressions of my current XXXX which included a XXXX XXXX on my XXXX XXXX that needed to be removed and then to be prepped for the XXXX All XXXX were sent to a lab while I was provided XXXX in the meantime at the XX/XX/XXXX visit, while waiting on the permanent XXXX to be installed on another scheduled date in XX/XX/XXXX.
The first set of XXXX boasted a lot of discomfort for me. They were huge, it Hurt when I would try to XXXX XXXX so I immediately shared my concern with XXXX XXXX, I then had a subsequent appointment scheduled for XX/XX/XXXX at XXXX ( see screenshot ) so he can help alleviate the discomfort. He ended up having to create another, smaller version of XXXX ( he contoured it a bit more this time ). It was a lot more bearable. Next appointment scheduled for XXXX XXXX XXXX was XX/XX/XXXX at XXXX.
However, I MUST NOTE my Disdain because I was completely under the assumption that I was receiving the end-product I agreed to pay {$36000.00} for, which was well communicated to XXXX XXXX that he insisted I would be happy with the completion of the procedure.
On XX/XX/XXXX, the day the XXXX XXXX were to be installed XXXX XXXX never explained the full procedure to me, nor explained if there was any need for modifications or issues with my XXXX that would prevent me from obtaining the perfect XXXX I requested with the exact XXXX XXXX XXXX I paid for ( see treatment plan attached ).
During the operation to my XXXX as a patient I was totally unable to view what was taking place in my XXXX by XXXX XXXX while conducting this transformation.
Once he was done he stated I have the XXXX and the look I anticipated for so long. Once the mirror was given to me I was told to XXXX and all I saw was white XXXX which was a huge difference and a great tone to my face, however I explain to him that XXXX XXXX XXXX XXXX XXXX XXXX which look very obvious looking at my face that the XXXX was too big for XXXX XXXX XXXX
He said that is the immediate appearance thats common for all his patients undergoing this type of procedure and that once the swelling goes down, I would be able to see the difference.
Days after final installation I reached out, I made complaints to XXXX XXXX that I was not satisfied with the outcome due to the bulkiness of the XXXX that didnt fit my face, and that I was experiencing discomfort while XXXX ( again ), Extreme sensitivity, and my XXXX was NOT aligned. On XX/XX/XXXX at XXXX I had an appointment, He asked me to come in so he could see what he could do. He continued insisting that he can make XXXX XXXX and contour my XXXX as small fixes assuming that would do the trick, but I wasn't happy at all! I constantly shared that this is NOT the end result I hoped for.
I had another appointment on XX/XX/XXXX at XXXX, to AGAIN, try to arrive at a place of satisfactory, because I continue to have unsightly bulkiness and extreme sensitivity while XXXX. XXXX XXXX again, tried to contour some more, and attempted to further adjust my XXXX
On XX/XX/XXXX I traveled to XXXX, XXXX for vacation. While in XXXX, my fianc chose to start his process to get his XXXX done with a well known dentist to many in the states. XXXX XXXX XXXX of XXXX XXXX XXXX in XXXX. So I made a mental note to question her once she completed the evaluation with my fianc for the purpose of identifying the work done on myself, so as a curiosity she allowed me to be seen for a consultation and informed me that I have all XXXX in my XXXX which explained the bulkiness of the XXXX that didnt resemble the flat appearance of ACTUAL XXXX. In complete befuddlement, I asked her what can I do to get the XXXX XXXX XXXX I requested and she disappointingly informed me that I was not able to receive that look anymore.
After being fully educated at that moment with XXXX XXXX of XXXX XXXX XXXX, I learned that for XXXX your XXXX would have to be filed down no less than [ XXXX ] so that it can be placed on the exterior of XXXX XXXX As for XXXX your XXXX have to be shaved down even more at a [ XXXX ] to fit over the existing XXXX
This means my XXXX is shaved down too low to ever receive the look and product I paid so much money for because XXXX XXXX took the liberty to do a procedure I did not ask for without confirming with me what I thought about it or what I feel about it before he did a irreversible operation without my authorization, which was not in our Treatment plan agreement, nor does the paperwork I signed indicate a XXXX XXXX of XXXX to the financial department that helped me fund with these installment loans that I am obligated to pay for ( with interest ).
The paperwork submitted to each of the above financial companies also received the exact document I received that clearly stated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I insisted after I returned from my vacation to XXXX with my fianc that I was going to address this issue with XXXX XXXX one last time with hopes he can explain what he did and what type of material he used to place in my XXXX
Once I arrived back home to XXXX XXXX I made it my business to reach out to XXXX XXXX for an appointment to simply record the meeting with him after now understanding from another doctor what happened. I brought a recorder since it is perfectly legal in my state of residence, New Jersey, which is a one consent state that allows you to take video or voice recording of any conversation to protect yourself as a consumer.
On XX/XX/XXXX I walked in the office waiting to see XXXX XXXX. As I sat in the waiting room I mentioned the receptionist whom I ask purposely of her opinion for the record to identify why my XXXX are so huge and bulky and her response was said on the recording that she didn't think they were bulky -looking but she sees what I mean. I made sure my Audio recorder ( see audio attached ) was on to get a full statement from the XXXX XXXX that seemed very upset and aggravated with a hint of frustration to my direct questions about XXXX XXXX XXXX What he stated made no sense to me, and very much not what I was told in the beginning or I would have never allowed myself to sit in his chair to do what he did to me without giving me the privilege as a client or consumer the option to decline or accept his method used.
Now I have an irreversible situation that will not allow me to reach the perfect XXXX I worked so hard to achieve by saving all my funds accordingly to anticipate this process with great results for the money I was spending.
I felt very much violated and discriminated against because of the XXXX XXXX XXXX XXXX knowing that if I was of another ethnicity I would not have been treated in such a manner with no regard to what I requested, nor any type of real explanation for so long.
So I decided to contact the CFPB within the statute of limitations to report this dental office and specific dentist as well as the financial companies that were either lied to by XXXX XXXX of the type of procedure he was doing or participated in the type of procedure received.
Either way, the paperwork never changed to identify the incorrect work done. ( XXXX XXXX XXXX XXXX
In Conclusion, I would like to see the paperwork from each financial company : Green Sky Program and XXXX XXXX XXXX in full detail that reveals the breakdown of the requested work that was to be performed by XXXX XXXX describing these services that I agreed to pay for.
If this paperwork has not been corrected with either one of these companies I need an explanation why? And if the documents were changed, why did I not get the change order of the treatment plan paperwork as well clearly stating I received crowns and not XXXX and the reason why? I received NO FURTHER CONSULTATION from XXXX XXXX describing the need to install ALL XXXX XXXX XXXX XXXX XXXX which is what I asked and agreed to pay for, per my attached treatment plan. Furthermore, im also pointing out that I was charged for an XXXX that I DID NOT receive. This in and of itself warrants an investigation because the paperwork does not match the procedure.
|
| 09/11/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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- Problem with additional add-on products or services
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|
Web |
Older American |
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My sister and I are XXXX XXXX. She and I care for our Father who is of XXXX XXXX XXXX XXXX XXXX XXXX ), whose health is compromised, and who suffers from XXXX XXXX Our Father is a XXXX XXXX so, for his safety, my sister and I decided that a bathtub to shower renovation needed to be done immediately! We contacted several companies that advertise shower renovations completed in as little as one day. In the late afternoon of XX/XX/2023, a sales representative from a bath renovation company visited us at our home. He took us through a very lengthy and tiresome 2 1/2-hour presentation during which time he asked what was most important to us regarding the renovation. Naturally, price was important. My sister and I didnt care about the aesthetic appeal of the new shower, nor were we the least bit interested in any increased resale value the new shower might add to our home. We told the representative that the renovation was intended for our XXXX XXXX Father and that due to his age and special needs, the speed of completing the renovation was paramount. My sister and I insisted on a start date of no later than 4 weeks. The sales rep countered with a start date of 12 weeks. For the sake of our Fathers safety my sister and I held on to the urgency of starting the job NO LATER THAN 4 WEEKS or there was no sense in continuing with the presentation. The representative asked us to wait a second while he made a phone call to his project supervisor. Afterwards, he gave us the great news that our project would be completed within our requested time limit of 4 weeks. My sister and I decided on a shower design and accessories and negotiated a final price for the project. Three more times during the negotiation, my sister and I asked for and were reassured by the representative that our project would begin NO LATER THAN 4 WEEKS FROM THAT DAY! We felt that the final price was ridiculously high. Since our father is an XXXX XXXX XXXX and the sales representative gave his solemn promise of a 4-week start date, only then did my sister and I agree to go through with the sale. We told the representative that we had an excellent relationship with our credit union and would obtain a 3-year, low interest loan. The salesperson told us he was also an authorized third-party representative of GreenSky and started pushing the benefits of 15-year financing through GreenSky instead of getting a credit union loan. The representative boasted that his clout with GreenSky enabled him to get practically ANYONE financed through GreenSky as long as they have an XXXX XXXX credit score over XXXX. My sister and I sensed the XXXX and ageist overtones in his statement given that our hair is gray, our skin is XXXX, we live in a city thats 91 % Non-White, and with a 33.1 % poverty level which is 159 % higher than the U.S. average, and in a neighborhood mostly comprised of abandoned properties and dilapidated buildings. I assured the representative that my sister and I wouldnt have a problem getting a loan at our credit union. I showed him proof of my near perfect XXXX XXXX XXXX score of XXXX and my sister 's XXXX XXXX score of XXXX ( Please see attached documents A & B ). In his effort to control every aspect of the sale, and to get our signatures on the dotted line right then and there, he said that if we didn't complete the deal that night ( the sale and the financing ), it would make it necessary for him to come back a second time and we would lose the {$1000.00} discount he'd given us. Additionally, he said wed lose the project start date of 4-weeks from that day as hed guaranteed. My sister and I were exhausted, and our father had gone unfed and hygienically unattended to for the entire time the sales representative had been in our home. We surrendered and gave him our personal information. He also said that he needed a {$1000.00} deposit on our credit card which we gave him AFTER he assured us again that there absolutely wouldnt be a problem for our project to begin no later than 4 weeks from that day ( which would have been by XX/XX/XXXX ). The remaining balance for our project was {$16000.00} ( Please see enclosed document # 1 ). The representative told us that GreenSky had approved us for up to {$20000.00}, so why was it still necessary for us to put {$1000.00} on our credit card?? On XX/XX/XXXX, we received a call from the bath renovation company project coordinator to verify the shower style and accessories my sister and I decided upon. We were again reassured of a 4-week start project start date. On or about XX/XX/XXXX, XXXX weeks from the sale date, we received a billing statement from GreenSky showing that a transaction was charged to our account on XX/XX/2023 ( which was the same date that the sales rep came to our home ), in the amount of {$7500.00}, and demanding that a payment be made in the amount of {$72.00} ( of which {$41.00} was accrued interest ). According to the statement the payment was due no later than XX/XX/2023 ( Please see attached documents # 2 & 2a ). Up to that point my sister and I were {$8500.00} in debt and with nothing to show for it. This was beyond the pale. Not only had our project not been started during that time period as promised by the sales rep, we also hadnt heard from anyone at the bath renovation company since the XX/XX/XXXX follow-up call from our project manager. My sister and I feared that if we made the {$72.00} payment, we'd be locked into the entirety of GreenSky 's contract even though the service we expected hadnt been performed. What was equally worrisome was that even though we hadn't received the service we were promised, if we didn't make the payment to GreenSky by the XXXX XXXX due date, our stellar credit scores that my sister and I had built and nurtured for decades would plummet drastically! We weren't about to be pressured into paying for a service that we were promised but hadn't received. On XX/XX/XXXX we called both GreenSky and the bath renovation company to express our extreme dissatisfaction with the circumstances which lead up to the sale. We first spoke to a GreenSky CSR named XXXX who advised us that an advocate would contact us by Thursday, XX/XX/XXXX @ XXXX XXXX An Executive Vice President from the bath renovation company reached out to us later in the morning of XX/XX/XXXX. We told the EVP about the promise of a 4-week project start date the sales representative gave us on XX/XX/XXXX. The EVP was forthright, and his honesty was very refreshing. He said that the representative should NEVER have made us that promise because all of the company 's representatives were made aware of the severe backlog his company was experiencing in getting material, that there were SEVERAL other projects ahead of ours that were held up for months because of that, and with no reasonable estimate of when those projects ahead of ours would be started. The bath renovation company EVP apologized sincerely for the representative 's misrepresentation of the companys ability to deliver on his promise and the inconvenience it caused us. The EVP offered to rescind our contract with his company and to cancel our entire loan with GreenSky as well. The EVP refunded to GreenSky the {$7500.00} that GreenSky advanced to his company on XX/XX/XXXX. Let us be clear. My sister and I have no problem with the bath renovation company and hold the company harmless. The bath renovation company EVP apparently rescinded our contract due to breach of contract in that the EVP knew that his company could not complete or follow its responsibilities as outlined and promised in the contract by the sales representative. The EVP also refunded my sister and I the {$1000.00} deposit that was charged to our credit card, thereby making my sister and I whole with respect to our contract with his company. On XX/XX/XXXX, we received two emails from GreenSky. The first one assigned a reference number to our case ( Please see attached document # XXXX ), and the subsequent email indicated that the entire GreenSky loan balance of {$7500.00} had been canceled ( Please see attached document # 4 ).
Additional documentation from GreenSky dated XX/XX/2023, and XX/XX/2023, further confirm that the loan was canceled ( Please see attached documents # 5 & # 5a ).
Subsequent communications with GreenSky detailed our wish to have the GreenSky tradeline removed from all 3 of our major credit reports and the corresponding GreenSky inquiry removed from our XXXX credit report, which was updated on XX/XX/2023 ( Please see attached document # 6 ). We felt this to be a more than reasonable request given the deceptive way the inquiry was obtained. We've spoken to GreenSky CSR Department numerous times since but were repeatedly denied our request to have the inquiry removed. Although those CSRs were cordial and very empathic to our situation, they said that they didnt have the ability to remove GreenSkys inquiry. Finally, I asked to speak with a GreenSky manager and was contacted by XXXX XXXX on XX/XX/2023, at XXXX XXXX XXXX. After identifying myself and advising her that my sister was also on the phone, she advised us that call was being recorded and invited me to go ahead or start talking. I asked if she had taken time to familiarize herself with our case number and particular concern. Thank God, the call was recorded. XXXX XXXX proved to be argumentative, evasive, condescending, dishonest, and accusatory. I tried to establish a dialogue with XXXX XXXX by asking her a question where the obvious answer was yes, thus setting the stage for her, my sister and I to have an open, sincere, and fair discussion there-on. Instead, XXXX XXXX chose to sidestep my question and engaged in the act of blaming my sister and I for the situation the authorized GreenSky third-party representative had put us in and refused to remove the inquiries from our XXXX credit reports. XXXX XXXX displayed a contemptuous attitude toward my sister and me. I told her that there was no need for my sister and I to try to reason with her in that she made it glaringly obvious that she had predetermined NOT to consider ANYTHING my sister and I had to say. My sister and I fell victim to an unfair and deceptive sales tactic by an authorized GreenSky third-party representative. Yet, XXXX XXXX declared that WE actively sought credit with GreenSky. XXXX XXXX further stated that we willingly signed the application for credit. Although GreenSky closed our account and willingly expunged its tradeline from our credit reports, the inquiry will remain on our XXXX credit reports. One can analogize our experience with GreenSkys authorized third-party representative to that of a woman who's pursued by an over-zealous man to go on a date with him. The woman has misgivings and expresses her concerns to the man. Still, the man continues in his pursuit of her, telling the woman that shes missing out on the time of her life. The man swears that hes a nice guy, promising the woman that she has nothing to worry about and that she'll be treated with nothing but utmost respect. Finally, and still with some caution, the woman gives in to the mans determination and agrees to go on a date with him. Unfortunately for the woman, the man turns out not to be the nice guy he swore to be and assaults the woman at the end of their date. The woman reports the assault to whom she believes to be the proper authorities. Instead of arresting the man, the authorities chastise the woman for filing a complaint. The woman is also blamed for instigating the incident because she agreed to date the man in the first place. The authorities therefore deemed the incident as mutual consent between both parties and NOT an act of assault on the mans part. The womans allegation of assault was dismissed by the authorities, leaving her to suffer humiliation and damage to her reputation. This is the dilemma plaguing my sister and me ( the woman ), brought on by GreenSkys authorized third-party representative ( the man ), GreenSky and XXXX XXXX ( the proper authorities ), and GreenSkys inquiry ( the date and ensuing damage to our reputation. )
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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I can not be late on an open end consumer credit plan and I have been marked as late several times by this company. These " late payments '' are in the way of me getting approved for other credit cards and is lowering my credit score. I demand that its corrected pursuant to : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan. ( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
|
| 08/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
|
|
Web |
Older American |
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Apple Card Interest Charge Dispute In the last part of XX/XX/2022 I added new bank information for ******** Credit Union ( **** ) and set account XXXX as the default account and bank for making payments on my Apple Card XXXX Goldman Sachs XXXX
At XXXX PM XXXX ( XXXX XXXX ) XX/XX/XXXX I set up a payment for the statement balance of my Apple Card through the Apple Wallet app. The amount of {$81.00} was paid from accrued Apple XXXX. The remaining balance of {$4800.00} was set to pay from the bank.
At about XXXX PM XXXX XX/XX/XXXX ( XXXX AM XXXX XX/XX/XXXX ) I was reviewing the transaction that I had set to make the payment on the Apple Card and discovered that the wrong bank had been charged for the monthly statement payment. ***** Bank was charged {$4800.00} on account XXXX. This was in spite of my setting up a new bank as default several days in advance.
At XXXX PM XXXX XX/XX/XXXX ( XXXX AM XXXX XX/XX/XXXX ) I called Apple Card ( Goldman Sachs ) through the Apple Wallet App ( duration 16 minutes ). I spoke with a female representative who assured me that we could resolve this error completely because I had called before the payment cutoff of midnight XX/XX/XXXX. She set up a dispute for the payment that had been set on the wrong bank and assured me that the money would be returned to the bank within 10 business days. I told her that this was critical because we had just moved and had changed banks. There would not be enough funds in the one account to cover the payment that had been set up by mistake. She again reassured me that we were cancelling that payment and she would set up a payment on the correct account and bank ( **** XXXX ).
After a few minutes attempting to charge the correct bank she informed me that she was having difficulty processing the transaction. She tried to get a supervisor on line but none were available. She told me she would put notes in the system and asked me to call back in 15-30 minutes.
At XXXX PM XXXX XX/XX/XXXX ( XXXX AM XXXX XX/XX/XXXX ) I attempted to contact ******* Bank several times fix this transaction on their end. I determined that no help was available until regular banking hours on Monday XX/XX/XXXX. I would have to call the bank back at that time.
At XXXX PM XXXX XX/XX/XXXX ( XXXX AM XXXX XX/XX/XXXX ) I called back to Apple Card ( Goldman Sachs ) through the Apple XXXX app ( duration 41 minutes ). I was on hold a significant amount of time before the call is answered. Once answered I spoke with a male who offered to set up the payment on the proper bank ( **** XXXX ).
He made several attempts to process the remaining balance of $ XXXX informed me that he thought it could not be processed because the remaining balance on the Apple Card was less than the {$4800.00} that we were trying to charge to the proper bank. He suggested that I call back in the morning on XX/XX/XXXX and ask to speak to a supervisor. He assured me that we could resolve everything as I had called before the payment deadline at midnight XXXX.
At XXXX PM XXXX ( XXXX PM XXXX ) XX/XX/XXXX I called back to Apple Card ( Goldman Sachs ) through the Apple XXXX app ( duration 20 minutes ). I asked to speak to a supervisor immediately. I again explain the whole situation to her. She attempts to process the payment of {$4800.00} from ***** ( Account XXXX ) without success. She informs me that there is no way to force the process because the balance on the Apple Card is less than the amount we are trying to process against the bank.
At this point the supervisor informs me that because we have been trying to resolve these issues through the weekend and not through regular banking hours that there is nothing more that we can do. She added notes about our call and suggests that I call ******* Bank in the morning during regular hours to stop payment on the bad transaction. She says that we will be unable to process a correct payment until the bad payment is cancelled in the next few days. She assures me that any interest charged will be reversed because we have a record that we have been trying to resolve this issue before the payment deadline.
At XXXX AM XXXX ( XXXX AM XXXX ) XX/XX/XXXX I called ******* Bank to stop payment on the erroneous transaction for Apple Card XXXX Goldman Sachs ) ( duration 14 minutes ). I spoke with a female teller who helps me with the stop payment. She waives the usual {$14.00} stop payment fee.
At XXXX PM XXXX ( XXXX PM XXXX ) XX/XX/XXXX The payment from XXXX XXXX finally drops off Apple Card ( Goldman Sachs ). An Interest Charge ( {$72.00} ) immediately shows up on the Apple Card ( Goldman Sachs ).
At XXXX PM XXXX XX/XX/XXXX ( XXXX AM XXXX XX/XX/XXXX ) I called Apple Card ( Goldman Sachs ) through the Apple XXXX app ( duration 26 minutes ). The female agent was able to process the {$4800.00} payment against **** ( Account XXXX ). I requested that the {$72.00} interest charge be reversed as promised. To my dismay the female agent told me that she could only credit me {$25.00} as a courtesy. I immediately asked to speak with a supervisor to see about a refund of the whole interest amount. The female supervisor explained that she was only able to credit the same small amount but suggested that I could call back in the morning during regular banking hours and request to speak to a supervisor directly.
At XXXX AM XXXX ( XXXX PM XXXX ) XX/XX/XXXX I called Apple Card ( Goldman Sachs ) through the Apple XXXX app ( duration 8 minutes ). I asked to speak with a supervisor directly. A female supervisor explained that she could not override the limit on the amount of credit that could be reimbursed. She did, however, offer to create a dispute that would be answered within 10 days. I consented to submit the dispute hoping for a positive resolution.
At XXXX AM MDT ( XXXX PM XXXX ) XX/XX/XXXX I received an incoming phone call from Apple Card ( Goldman Sachs ) ( duration 5 minutes ). I can not recall the details of this phone call. This may have been a followup to verify details of the complaint about interest charges.
At XXXX AM XXXX ( XXXX AM XXXX ) XX/XX/XXXX an email from Apple Card Support ( Goldman Sachs ) arrived on my computer. I did not notice or open this email until the afternoon of XX/XX/XXXX. The content of this email is that my request for refund the {$72.00} interest charge is denied.
At XXXX PM XXXX ( XXXX PM XXXX ) XX/XX/XXXX XXXX began an online chat with Apple Specialist XXXX through a link in the denial email. I asked him to please connect me with a XXXX which he arranges. The supervisor, XXXX, has initiated another dispute for the interest charge. She says that it has been escalated up the ladder to the complaint department.
At XXXX AM XXXX ( XXXX AM XXXX ) XX/XX/XXXX an Email from Apple Card denying my new claim arrives in email. At approximately XXXX PM XXXX ( XXXX PM XXXX ) XX/XX/XXXX I read the email stating denial of claim to remove interest charges.
At XXXX PM XXXX ( XXXX PM XXXX ) XX/XX/XXXX I called Apple Card ( Goldman Sachs ) through the link in the email ( duration 32 minutes ). I asked the female agent to let me speak with a Senior Manager. She was glad to transfer me to a supervisor. I explained details of my transactions to the supervisor and asked to be transferred to a Senior Manager. The Supervisor told me that she would try to get me connected with someone in the XXXX Department.
XXXX, the Apple Card Specialist for disputes, spoke with me at length about the issues I had in trying to make a proper payment for the statement balance before the deadline. I told her that I called and spoke with three different specialists and at least one supervisor at Apple Card ( Goldman Sachs ) before the XXXX PM XXXX deadline on XX/XX/XXXX.
I told her that the supervisor on the last call that I made assured me that once we had resolved the payment issues and made the proper payment any interest charge would be reversed and that there would be no negative affect on my credit score. XXXX assured me that she would submit the dispute again with updated notes and told me that I should receive an email inviting me to submit more information.
At XXXX AM XXXX ( XXXX AM XXXX ) XX/XX/XXXX an email from Apple Card ( Goldman Sachs ) arrived. At XXXX AM XXXX ( XXXX PM XXXX ) XX/XX/XXXX I read the email from Apple Card which again denied my claim to refund the {$72.00} interest charge.
At XXXX AM XXXX ( XXXX PM XXXX ) XX/XX/XXXX I called Apple Card XXXX Goldman Sachs ) through the link in the most recent email ( duration 26 minutes ). I asked the female agent to speak to a senior manager and not a supervisor regarding the disputed interest charge of {$72.00}, however I was told that I could only be transferred to a supervisor. The supervisor, XXXX, came on the phone. I explained again how I had tried three times through phone calls with Apple to process a proper payment before the midnight deadline on XX/XX/XXXX. I make clear that in each case the specialist and even the supervisor were unable to process the payment because the bad payment was blocking their efforts Goldman Sachs ' systems were preventing us from processing a payment that would keep our account from becoming delinquent.
I requested again that I be able to speak with a senior manager who would have the authority to remove the entire interest charge that was applied because of the failure in Apples ( Goldman Sachs ' ) system to allow a second payment of sufficient amount and on the right bank account to process. XXXX suggested that the escalation she was making might not have any different results than the requests that I had already made. I let her know that I am frustrated in not being able to speak with a senior manager and that these complaints are like being on a merry-go-round where I make a complaint, it is reviewed and then denied. I then make another complaint which is reviewed and then denied. I expressed my feeling that we are in a contest where I can only win if Apple ( Goldman Sachs ) gets tired and gives in. She assured me that she would put in the complaint that I have requested to speak with a senior manager and expressed hope that someone would call me.
At this point I am beyond hope. My only request is to remove the {$72.00} interest charge and be certain that there is no negative impact on my credit score. How hard can it be?
|
| 11/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
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Web |
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On XXXX, my Apple ID was hacked and taken over. That evening I received a call from XXXX, the Apple Card Goldman Sachs number. I had two recent fraudulent transactions : {$9600.00} on XXXX and {$3600.00} on XXXX both attempted at XXXX XXXX somewhere in Florida. The caller claimed to be a representative from Apple Card services. The caller told me that they could see that I had fraudulent activity on my account. The caller knew the specific amounts of the two fraudulent transactions and where they were from, as well as my last legitimate transaction {$32.00} at XXXX. The caller also knew my address and asked me to confirm it. The caller said he needed to send me a message to my Apple ID with a code to verify my identity so that he could secure my account.
That is where everything went wrong.
As soon as I gave the representative the code, I got an alert saying that my password had been changed. I began trying to change the password backand was not as fast as the hacker.
That code is what gave the hacker access to my apple account -- which allowed him to change the trusted phone number, password, and ultimately the email/Apple ID on the account. Once he took over my account, he then had access to my apple wallet which not only had my Apple Credit Card, but also my XXXX XXXX, and my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Within moments, he had transferred {$500.00}, {$500.00}, {$500.00} out of my account checking account through Apple Cash.
In the same moment of the first Apple Cash transfer and realizing he was actually a hacker/scammer, I also received a text from my bank asking if the {$500.00} was a fraudulent transaction. The text message allowed me to report the transaction as a fraudulent charge and request a call from the fraud department. Within moments, I spoke with the fraud department and canceled my card. However, the hacker had already succeeded in completing the three charges before I was able to cut off my card. My bank began a fraud investigation with Apple Cash at this time.
Next, I opened my XXXX mobile app to lock my card and request a new number. Thankfully, the hacker had not made any charges on my XXXX card.
After that call, I contacted Apple Card Services to place a hold on my account so that the card could not be used while I attempted to sort out the Apple ID credentials and hopefully regain access to my account. It took a few hours to speak to a person from Apple Card Services, so some charges were made during that timebut Apple Card was able to deny them without problem. Once I spoke to someone, a hold was placed on my account and I was told to call back once I got everything sorted out to regain access to my card.
That evening, I began my first of many conversations with Apple Support trying to recover my account. Each conversation with Apple has been extremely difficult simply because my apple identity no longer is supported by Appleessentially when the hacker took over my account, he erased my identity. ( While there is encrypted data that will always live on in the Apple world with my previous Apple ID, my old Apple ID is no longer supported, and therefore it appears as if it doesnt exist ). Working with the specialist, I submitted tickets to Apple technical support to help with account recovery or activation lock. Unfortunately, I was unsuccessful in gaining access to my original Apple ID, and it was apparent that I was going to have to create a new Apple Identity and then get past the activation lock. Throughout this entire process, each time I spoke with a specialist, they told me they were leaving detailed notes on my account. Each time I spoke with anyone from Apple Card or Apple Support I continued to have to detail the entire ordeal over as if the notes did not exist while new notes were being created.
On XX/XX/XXXX, as soon as the fraudulent transactions were posted to my bank account and I was able to see the phone number for Apple Cash, I called in to see if I could start a dispute on the charges. At first it was not easy to do because my Apple ID was no longer supported by Apple. Thankfully, because I was the family organizer within our Apple family, using my childs device, I was able to see the email address of the hacker who took over my account -- and was able to provide that email address/Apple ID to the Apple Cash representative. With that information, the representative was able to see all of the transactions. That day, I created a dispute case with Apple Cash representative. She also helped me by blocking the hacker from having access to my children 's accounts. She told me that I should be hearing back from someone within about ten days about the dispute.
Fast forward to XX/XX/XXXX, I got a letter from my bank stating that they have granted me a provisional credit for the {$1500.00} while they continue to investigate the fraud.
Then on XX/XX/XXXX, I got another letter from my bank, with included documents from Apple Cash stating that because all of the charges were done through the wallet using " XXXX '' they must have been authorized by user -- and if I felt like I had a legitimate dispute to respond in writing to them. Before I sat down to respond, I called Apple Cash back to check on the status of my dispute, speaking with XXXX, which is when I found out that they had been sending emails and not getting any response. I asked which address the emails had been going to and was told that the emails were being sent to the Apple ID on file. The emails about the dispute were being sent to the hacker himself. Imagine how dumbfounded I was to find out that I had opened a dispute case to get money back that was stolen from me only to find out that the person who stole it from me was receiving emails about the dispute. I was told " this is just how the system works and you should pray about it.
The information from Apple Cash stated a few key points which I sent to my bank in my dispute email : This dispute was not from my original dispute, but the banks dispute.
The phone number of the account holder ( XXXX ) is not mine ( ending in XXXX ) ( nor my husbands -- ending in XXXX ). Our phone numbers have been the same for well over a decade ( I did change my number when I moved from XXXX, NC to XXXX NC in XXXX -- but I've had the same number since ... My husband has had the same phone number for at least 20 years. ) In the dispute paperwork, it says that for tenure " most recent card added in the last 7 days of transaction. For device trust is a " new device with not enough history and information to establish trust in the XXXX XXXX. '' The Phone number trust is a " new phone number on a device '' with " insufficient history and information to establish trust in the Apple ecosystem '' How was this not called into question?
At the top of the same sheet, it shows that I sent apple cash to my child in XXXX. Considering the previous tenure/new device/new number, how would any of this be possible if I have been using Apple cash with my debit card, Apple ID ( established XXXX XXXX ), and ( this ) phone ( since XX/XX/XXXX )?
The Apple Cash was sent to " XXXX '' which XXXX tells me is a " prepaid mobile phone. '' I have never sent money to any prepaid mobile phones through any of my apple cash .... And, my carrier is XXXX XXXX XXXX, and have never had a prepaid service. I mainly only send my children money through apple cash, as this is their main way of receiving their allowance.
On XX/XX/XXXX, I went to an Apple Genius Bar where I was able to complete the process of resetting my phone and getting a new Apple IDwhich will finally allow me to start over in the XXXX XXXX
On XX/XX/XXXX, I called Apple Support to update my Apple ID in the system. Then I was switched to Apple Cash where I first found out that the hacker was awarded the dispute, so the money was given back to the hacker -- but thankfully with blocking the account that my first Apple Cash representative did, it locked the hacker from having access to the money. But, I also don't have access to it. Then I was sent to a supervisor who worked very hard to connect a lot of dots to help possibly get the money that I do not have access to awarded to me so that I can pay my bank back.
Finally, I think spoke with Apple Card where I was hopeful to sort out my Apple Card issues. Previously, I had been given the impression that I could transfer the card account to a new ID ( so much so that I have notes about it ), but I found out on Monday, XX/XX/XXXX that my Apple Card could not be transferred to a different account -- that it would always be associated with the previous account. I asked to close the account, and then inquired about how I would receive my bills, as Apple Card users receive their bills within their Apple Wallet app. I was told that the bill would be sent via email. When I asked the representative if the email containing the bill would be coming to my new Apple ID email or if she wanted another email address, she let me know that the bills would be going to the Apple ID email on the account associated with the Apple Card. Meaning that the hacker will get a monthly email from Goldman Sachs Apple Card with my personal information. I challenged, and begged the representative to change this and not allow this to happen and was told " there is nothing we can do '' and " I can put a note in your account. '' I told the representative that I had very little faith in the notes that were left on my account. I asked to escalate to a supervisor above her and was told there was no one who could do anything to prevent the hacker from getting my personal information -- or for me to get a bill without calling in, verifying my identity, and requesting one each month.
I am very concerned about the fact that the hacker already had so much access to my personal information from the security breach that took place when he hacked my Apple ID, but finding out that he got more personal information during the Apple Cash dispute, and that he will continue to get my personal information monthly for the foreseeable from Apple Card until the outstanding balance is satisfied is alarming and should be easily preventable.
-- - In addition to all of this, I have also created a police report, a report with my attorney general, a report with the FBI, and the FTC.
|
| 09/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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CFPB, _VOID WHERE PROHIBITED BY LAW_ In Response to Apple Card XXXX Goldman Sachs Bank. , Subsidiary of Goldman Sachs Group Inc. , Loan originator regarding original CFPB complaint ID # XXXX First, I would like to advise that Ive received no documents from Apple Card Goldman Sachs Bank. , Subsidiary of Goldman Sachs Group Inc., and for proof please provide a certificate of making or a mail carrier tracking # to prove these documents were indeed sent and received by me with a signature. If no certificate of mailing is available, it is to be, notably assumed, that it is because the company is fabricating in order to save face.
Second, To provide a clear understanding of the violations, I would like to present the following definitions and references : 1. Fixed-Income Securities : As per the Uniform Commercial Code ( UCC ), fixed-income securities are financial instruments that represent a loan made by an investor to a borrower. These securities include corporate bonds and payment coupons, wherein the bondholder is entitled to periodic interest payments and eventual repayment of the principal amount upon maturity.
2. Uniform Commercial Code ( UCC ) : The UCC, adopted by all 50 states in the United States, provides a standardized framework for commercial transactions, including the issuance and trade of fixed-income securities. It promotes fairness, consistency, and consumer protection in such transactions.
3. United States Codes ( U.S.C. ) : The U.S.C. is a compilation of federal laws enacted by the United States Congress. Pertinent sections within Title 15 of the U.S.C. outline regulations and protections related to consumer finance and securities.
4. Code of Federal Regulations ( CFR ) : The CFR is a codification of rules and regulations issued by federal agencies. Title 12 of the CFR, specifically, provides guidelines for consumer protection in relation to banking and finance.
Based on my research and analysis, it has become evident that the aforementioned company has violated consumer rights in the following ways : 1. Profiting off Fixed-Income Securities : The company in question appears to be exploiting fixed-income securities for its own financial gain, potentially to the detriment of bondholders. This exploitation may involve unfair practices, such as exorbitant fees, deceptive marketing, or undisclosed risks associated with the securities.
2. Stripping Consumers of Equitable Interests : By engaging in unfair practices, the company is effectively denying consumers their rightful equitable interests as holders of corporate bonds and payment coupons. This denial undermines the principles of fairness and transparency that should govern such financial transactions.
3. Denying Convertibility of Coupon Bonds : Coupon bonds typically grant bondholders the option to convert their bonds into shares of stock at a predetermined ratio. However, it appears that the company is denying this convertibility feature to its consumers, thereby limiting their ability to exercise their rights and potentially depriving them of potential benefits.
Per Apple Cards Response to the original complaint : The Bank received a document on XX/XX/2023, including a treasury security note. The Bank does not accept this as a payment method for Apple Card.
CFPB Please keep in mind, Apple Card speaking on behalf of Goldman Sachs Bank, subsidiary of Goldman Sachs Group Inc., is admitting that a form of payment ( a treasury security note ) was indeed sent, received and not accepted as valid, but are also omitting the fact that the form of payment was destroyed and not returned as per the phone conversation I had with the Corporate Secretary of The Chief Financial Officer of Goldman Sachs Bank, subsidiary of Goldman Sachs Group Inc., from the office of XXXX XXXX XXXX XXXX.
My rights to remedy are being denied even though Uniform Commercial Code 3-603 tender of payment states : b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
Code of the District of Columbia 28:3604. Discharge by cancellation or renunciation states : ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the partys signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record.
15 U.S. Code 1666d - Treatment of credit balances states : Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
I have read the Service Agreement for Apple Goldman Sachs Card, and would also like to note that full disclosure was not presented during the initial transaction, nor was the agreement endorsed, to be considered a legally binding contract agreement. Please note that a Terms of Use Agreement is not a contract and that I technically have no financial obligations to Apple Inc or Apple Card as a financial entity. But it is all semantics, a play on words, double speak, for the purpose of defrauding well-meaning consumers.
With that said ; yet after further review, states no where that Federal Reserve Notes are the only form of acceptable currency. If the instructions sent along with the security were read in its entirety and understood, then the following communications should have been to direct my treasury bond to the appropriate parties for remittance OR return the treasury bond in-tact to the return address and I would then proceed with sending it to the appropriate Trustee address listed on the SEC filings XXXX
It has come to my understanding that Apple has turned over all its lending responsibilities to Goldman Sachs Bank but it was not clear that The Goldman Sachs Bank, subsidiary of Goldman Sachs Group Inc., was not the Trustee of Apple Inc. Once that was understood, I was expecting the security to be returned but without request for clarity on what was sent, it was already stated to have been destroyed per the Corporate Secretary of the Chief Financial Officer of Goldman Sachs Bank XXXX subsidiary of Goldman Sachs Group Inc. XXXX XXXX XXXX XXXX XXXX
Please help me understand why an instrument would be sent to the Corporate Office of Goldman Sachs Group Inc. without good faith and intention to fulfill my duties as the Holder in due course of this payment coupon?
Also, Please note that if my account is closed, charged off, not placed in a Do Not Collect status, then that IS an adverse action and violates 12 CFR 1026.13 - Billing error resolution ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
I kindly request that the Consumer Financial Protection Bureau REOPEN this case and forward documents of this to the following Government Agencies, SEC, FTC, FDIC, and launch an investigation against Apple Card, Goldman Sachs Bank., Subsidiary of Goldman Sachs Group Inc. , into these violations, ensuring the protection of consumer rights within the fixed-income securities market. It is crucial that appropriate actions are taken to rectify these violations, hold the company accountable, and safeguard the interests of bondholders and consumers at large.
Without Prejudice XXXX XXXX XXXXXXXX
|
| 06/02/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Confusing or missing disclosures
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|
Web |
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Marcus by Goldman Sachs advertises a referral bonus of 1.00 % for both an existing deposit customer and a new customer when a new customer opens an Online Savings Account ( OSA ) or CD. Existing customers are provided with a link that can be sent via text or email to a prospective customer.
" As an existing Marcus deposits customer, you can receive a promotional Marcus Referred Rate ( defined below ) on all of your Marcus Online Savings Account ( XXXX ) ( each an OSA ) after a New Customer ( defined below ) opens a new OSA or Certificate of Deposit ( CD ) using your unique referral link ( a Successful Referral ). '' This is seemingly a deceptive practice when an existing customer without an OSA and only a CD ( for example ) is provided with this link to refer a new customer given that the referral rate bonus of 1.00 % can not be provided on a CD. The link should not be offered if an existing customer does not have an OSA. Also, for a new customer that intends to only open a CD, the 1.00 % bonus will not apply or in the case of a new customer that opens both a CD and an OSA, the referral bonus will not apply for a new customer that opens a CD first and then opens an OSA shortly thereafter because Marcus then views that person as an existing customer ( because the CD was opened first, which was my scenario ).
On XX/XX/, I was referred to Marcus by an existing customer ( my fiance ) that owns CDs and OSAs with Marcus. I opened the CD on XX/XX/ before the OSA. When attempting to use the referral link on XXXX to open the OSA during the same online session, I was provided with an error message that the referral bonus would not apply because I was not a " new customer '' ( having opened the CD first ). On XXXX I sent a referral link ( as an existing customer ) to my younger brother who used the link to open an OSA as a new Marcus customer. He advised me on XX/XX/ that he opened a new OSA with the referral link and I immediately opened a new OSA with Marcus in hopes that I would receive the 1.00 % referral bonus too. At the time of opening an OSA, I only had a CD with Marcus ( opened on XXXX ). On XXXX I called into Marcus because my fiance and I did not see the referral bonus added to our accounts. The representative, XXXX, asked me for the unique code from the referral link in order to have a supervisor apply the referral bonus to my fiance 's OSA ( based on activity from XX/XX/ ). She advised me that she could not add the referral bonus as a " new customer '' to my OSA since I had opened the CD first and was not deemed a " new customer '' for the purposes of receiving the bonus on my OSA as a new customer. I asked her about receiving the bonus on my OSA as an existing customer because my younger brother opened a new OSA on XXXX She advised that my brother would need to call into Marcus with the unique code from the referral link in order to have the referral bonus manually added to my OSA ( also opened on XXXX ). My brother advised that he saw the referral bonus on his end but was told by Marcus ( via phone call ) that the referral rate could not be manually added to my OSA because the bonus is added automatically. I called back to Marcus to see if the referral bonus could manually be added to my OSA ( as an existing customer bonus ). I was told by a supervisor that since my OSA was not open and active at the time my brother had opened his OSA as a new customer ( albeit later that same day, which seems a ridiculous technicality ) that the referral bonus for an existing customer could not be applied ( see Terms language below under the General section ).
This language is in the full terms for the offer. One must click on a link to see the additional terms of the offer which are not made apparent in the larger advertisement and is in my opinion deceptive to new and existing customers.
" TMarcus by Goldman Sachs Referral Program Terms Existing Customers As an existing Marcus deposits customer, you can receive a promotional Marcus Referred Rate ( defined below ) on all of your Marcus Online Savings Account ( s ) ( each an OSA ) after a New Customer ( defined below ) opens a new OSA or Certificate of Deposit ( CD ) using your unique referral link ( a Successful Referral ). Adding a joint owner to an existing OSA will not count as a Successful Referral. Your unique referral link will be accessible in the Marcus Referred Center. You can access the Marcus Referred Center by logging in and selecting Marcus Referred in the menu at the upper right corner of any page.
After a Successful Referral, all of your existing OSAs will earn a promotional Annual Percentage Yield ( APY ) increase that is a specific percentage higher than the stated APY available at www.marcus.com for a period of 3 months ( Marcus Referred Rate ). To determine the APY increase for the applicable 3-month period, please refer to the Online Savings Account Referral Page [ marcus.com/referrals ]. If the Successful Referral occurs before XXXX XXXX XXXX, you will receive the APY increase reflected on the Online Savings Account Referral Page on the day of the Successful Referral. If the Successful Referral occurs after XXXX XXXX XXXX, you will receive the APY increase reflected on the Online Savings Account Referral Page on the day after the Successful Referral. You must have an OSA at the time of a Successful Referral to earn a Marcus Referred Rate. New OSAs opened after a Successful Referral may also be eligible for a Marcus Referred Rate, as further detailed in the General section below. A Marcus Referred Rate will automatically start within 1 business day following a Successful Referral.
Jointly owned OSAs may receive a Marcus Referred Rate through the Successful Referral of any account owner, but individual Marcus Referred Rate maximums still apply. The dates associated with the 3-month period of a Marcus Referred Rate on your individually owned OSAs may differ from that on your jointly owned OSAs.
New Customers If you have not had a Marcus OSA or CD in the last 12 months ( a New Customer ), you can receive a Marcus Referred Rate when you use an existing customers unique referral link to open a new OSA. You will receive your Marcus Referred Rate for a period of 3 months, within 1 business day of when your OSA is opened using an existing customers unique referral link. New jointly owned OSAs opened through a unique referral link can receive a Marcus Referred Rate, provided that all account owners at the time of account opening are New Customers. The Marcus Referred Rate earned as a New Customer will not count towards your referral maximums ( see General section below for more information regarding maximums ).
By using an existing customers unique referral link to open an account, you acknowledge that the customer whose unique referral link you use may know that you opened a Marcus account and when. If you wish to avoid this, do not sign up for a Marcus account through a unique referral link.
General To receive a Marcus Referred Rate, your OSAs must be open and in good standing. CDs are not eligible to receive any APY promotional rates through Marcus Referred. You can see the status of all your earned Marcus Referred Rates in the Marcus Referred Center at any time.
If you open new OSAs while any of your existing OSAs are receiving a Marcus Referred Rate, we will apply the Marcus Referred Rate to your new OSAs. You will receive the Marcus Referred Rate through the latest expiration date of your then-current Marcus Referred Rate.
If any joint owner of a jointly owned OSA is currently receiving a Marcus Referred Rate when a new jointly owned OSA is opened, that jointly owned OSA will receive a Marcus Referred Rate through the latest expiration date of an active Marcus Referred Rate associated with any one joint owner under the terms and conditions of that Promotional Rate. Subsequent Marcus Referred Rates earned by any joint owner will result in an accrual of additional 3-month Marcus Referred Rates, each to be applied consecutively. The Successful Referral of any one owner on a jointly owned OSA will only be applied towards that owners individual Marcus Referred Rate maximum.
Marcus Referred Rates may only be combined with other non-referral promotional offers available to Marcus customers. You can earn a maximum combined total of 5 Marcus Referred Rates under these Referral Program Terms and any other Marcus by Goldman Sachs referral programs in each calendar year. If you are already receiving a Marcus Referred Rate, the next Marcus Referred Rate you earn will begin on the day after your current Marcus Referred Rate expires based on the terms and conditions of that Marcus Referred Rate. Only one Marcus Referred Rate will be applied to your OSAs at any given time. Upon expiration of a Marcus Referred Rate, the APY on your OSA will automatically revert to the stated APY available at www.marcus.com. APY may change at any time, before or after an account is opened.
Any other Marcus by Goldman Sachs referral programs will be treated as a separate referral program with separate terms, offer period, and/or benefits. We reserve the right to revoke or modify this program at any time without notice, which could include changing the type of promotion awarded or the amount of any promotional rate. If we determine that you have engaged in or plan to engage in abuse or gaming in connection with this offer, you will not be eligible for this offer. '' I asked for the supervisor to log this matter as a " complaint '' and to follow-up based on Marcus ' error resolution process. The supervisor responded that there would be no follow-up because Marcus is following the terms and conditions of the offer and that no further action was necessary.
|
| 10/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This complaint is related to my account associated with my Apple Credit Card by Goldman Sachs Bank USA. Since XX/XX/XXXX I am trying to resolve an unrecognized fraudulent transaction on my Apple Credit Card. Here is the very short summary of the current state : On XX/XX/XXXX my card was charged {$730.00} by XXXX * XXXX and I immediately ( within 1 minute ) disputed the charge. Since then, several investigations into the dispute have been opened with fraudulent evidence submitted by the merchant and in the last iteration evidence from my side that clearly proof that the charges are unwarranted. However, Goldman Sachs insists that the evidence from the merchant is sufficient, and the charges are correct. Therefore, I am reaching out to the Consumer Financial Protection Bureau, hoping to resolve this for once and remove these fraudulent charges. I am feeling severely mistreated by Goldman Sachs and the psychological and emotional distress this process has enforced on me, as a XXXX XXXX speaker and XXXX in the XXXX is immense. Please find a detailed description of the events below : On XX/XX/XXXX XXXX XXXX I received a message informing me about a {$730.00} charge with the description WF * XXXX in my Apple Wallet. At the same time, I received an email with a FedEx notification and tracking ID XXXX about a package being shipped to my address. At this point this was the only reference number about the order I did not make. I immediately ( XXXX XXXX ) contacted the Apple Card support team to report this unrecognized transaction. I informed the Apple Card specialist that I have never done business with XXXX before or on that day and that no one had access to my device to make the purchase at XXXX. At the time of transaction my phone and card were in my pants pocket, and I had never used the card outside of the Apple pay app. Additionally, I told the Apple Card specialist that I had already contacted the merchant ( see next paragraph ). As a next step, the transaction was marked as fraudulent, my Apple Credit Card was cancelled, and the card number was replaced. Further, I enrolled in XXXX XXXX protection. Finally the Apple Card specialist told me : I have completed the disputes for you. Since your transaction is pending and hasn't cleared yet, we'll watch if it clears. If the transaction clears in the next two weeks, we'll initiate a dispute and a temporary credit will be applied to your account. If the transaction doesn't clear, it won't show up in your transactions or balance anymore. However, on XX/XX/XXXX I received an email from Apple Card Support that the dispute was opened and that they would contact the merchant for further information as the charge went through. I was informed that no additional information is required from me at the time.
At the same time, I tried to contact XXXX about the order. For this I created an account ( this is required for the customer chat and also to make any order ) and contacted the customer chat. I was told that the reference number ( ID XXXX ) is not from XXXX, that they could not do anything about it, and that I should contact my bank. As an additional step, I contacted XXXX to cancel the package and block the delivery, however, they told me that this was impossible.
On XX/XX/XXXX at XXXX XXXX I received a XXXX envelope ( see picture with reference number and pen for scale ) with the order I did not make. I did not sign anything to confirm the delivery. However, as I did not have any order number or contact, I was unable to send it back to XXXX or the merchant indicated on the package. So, I stored the envelope in my apartment and waited for the evidence or information from the merchant in the dispute.
On XX/XX/XXXX I received an email that the merchant had responded and that an Apple Card Specialist would review the information. And on XX/XX/XXXX I was informed that the transaction dispute investigation was completed and that the merchant charges remain on my account as The merchant provided sufficient evidence that you made the purchase. I contacted Apple Card Support to ask for the information gathered to make this decision. I received those via mail on XX/XX/XXXX. This information included the proof of delivery ( photo of the envelope done by the XXXX employee ), an email from XXXX, and an invoice from XXXX. The email from XXXX says : We do not agree with the dispute. This is not a fraud order, the amount charged to the customer is valid. All items have been delivered to the customer. The customer has not contacted us to report any fraudulent charges. As an online store, XXXX does not have physical contact with their customers, and is therefore unable to provide you with a copy of the receipt signed by them. We expect that we will not be charged back any portion of the XXXX XXXX. The problem with that is that I had contacted XXXX about the order and was told that there is no order with the reference number I had during the time of the charges ( XXXX ). On the invoice, however, is another XXXX XXXX ID XXXX and therefore they were unable to find it, claiming that I had not contacted them to report the order as fraud. The order product was described as a XXXX XXXX XXXX XXXX XXXX Chair and XXXX ( XXXX ). Now obviously the envelope I received is not a chair or XXXX but just two face masks. The invoice says that I have a 30 day return window which had already passed when I received this copy of the invoice. The invoice also does not show my phone number or email address. This might also be the reason for not receiving an invoice in the first place as I do not have an account at XXXX ( which is a prerequisite to order ), and they do not have my email address. Therefore, it is unclear how they could claim that I made the order. On XX/XX/XXXX I contacted Apple Support to reopen the dispute. I told them : First, I did not order the item. Second, I did not receive the item. Third, I dont have an account at the merchant. Fourth, the merchant never send me a receipt for the order that I have not made. I assume because they dont have my email address or phone number ( as visible in the invoice ). I was told : If we need any additional information from you, this will be requested via email.. Therefore, I did not submit any additional evidence at this time and waited for the outcome of the investigations.
On XX/XX/XXXX I was informed that the transaction dispute investigation was completed and that the merchant charges remain on my account as We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision remain because there is no evidence to substantiate the claim. At this point, I had not been asked to provide any additional information or evidence. Once again, I reopened the dispute and asked how to submit my own evidence. I described to the Apple Card Specialist, that I had contacted XXXX with the reference number provided from XXXX and was told that this is not from XXXX. I submitted a series of photos ( see attachment ) with the envelope ( matching Tracking number as in the evidence submitted by XXXX ) with a pen as scale as well as the content of it. I described that this clearly did not contain a XXXX XXXX XXXX XXXX XXXX Chair and XXXX ( XXXX ). I also emphasized that I do not have an account at XXXX, never ordered the item, and obviously never received the claimed item. I also said that I never received an invoice and was therefore unable to complain to XXXX about the fraudulent order or send it back within the XXXX policy. In addition to that I emphasized that the phone number on the envelope was incorrect and that their receipt did not show my email address or phone number. If I had actually ordered the item they should have a record of my email address and correct phone number in their system ( which they obviously do not have as I do not have an account or made the order ). I concluded : I expect a full back charge to my card as XXXX ) I did not order this item, XXXX ) did not receive this item, XXXX ) did not receive a receipt to make use of the XXXX return policy, and XXXX ) this is obviously a fraudulent order.
On XX/XX/XXXX I was informed that the transaction dispute investigation was completed and that the merchant charges remain on my account as We further investigated the dispute and reviewed any additional information that XXXX have been provided. Based on our review, the original decision remain because there is no evidence to substantiate the claim. I contacted Apple Support to inquire about whether my evidence had been considered during the process and they said : Any evidence that you've submitted would be looked over while the case was opened.
It is unclear to me how these obviously fraudulent charges can remain on my credit card. I hope that the issue will be resolved now that I have contacted the Consumer Financial Protection Bureau. It seems to me that the investigations are not conducted in a fair way, and it is unclear how a financial product that is claimed to be secured with face ID and only existent in my Apple Wallet can be used for fraudulent activities that easily. I am shocked about the ignorance of the evidence I submitted and the clear violation of my customer rights. Looking at the CFPB reports this seems to be a common problem with the Apple Card which makes it even more outrageous.
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| 07/21/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Marcus By Goldman Sachs has been holding {$20000.00} of my money hostage from me since XX/XX/2023. It has been an extremely awful experience having a savings account with Marcus by Goldman Sachs as their policies and customer service are absolutely atrocious and flat out embarrassing. On XX/XX/2023, I transferred funds from my external account into my savings account at Marcus by Goldman Sachs to fund the account. A few days later, I decided to transfer the funds out of the account via ACH transfer to another bank that I have in my name. Goldman Sachs did not like this. Apparently, I had to of had the funds in the Marcus by Goldman Sachs account for 90 days or more before I could touch the funds and move it elsewhere, which is outrageous and no other bank has this policy. Please keep in mind that this policy was not disclosed to me or else I would have not transferred the funds there in the first place had I would have known it would be locked into the savings account for 90 days or more. This is just the beginning Marcus by Goldman Sachs AUTHORIZED an ACH transfer to my other bank account whilst on the phone with me on XX/XX/XXXX, without saying anything about a 90-day hold on my funds. At that point, the same day, Marcus by Goldman Sachs blocked my access to my account right after I requested it. I called again to report my account access was restricted and to ask why. Marcus by Goldman Sachs stated that the funds MUST return to the bank account where the funds came from I had communicated with them that this action was not possible due to the fact that the account the funds came from, I closed.. Which was the entire reason for the transfer from my bank to Marcus by Goldman Sachs in the first place. At this point, Im expressing to them that the account at the originating banks institution is closed and the funds will not be accepted by that bank. A lot of bank and forth calling between the two banks. I would call the bank where the funds came from and they would express that the account is closed and they will not accept the funds from Marcus by Goldman Sachs. I would then call Marcus by Goldman Sachs and they would persist that the funds would have no choice but to be sent back to the originating bank and that well have to see for ourselves if the bank rejects the funds, after I told them several times and even did a 3-way call with both banks on the phone where they confirmed the funds would be rejected!! Marcus by Goldman Sachs proceeded to submit an ACH transfer to the originating bank against my wishes anyways. Two days later, XX/XX/XXXX, the funds were in fact rejected by the originating bank and sent back to Marcus by Goldman Sachs. Marcus by Goldman Sachs then told me that once the funds were retuned to them, they would issue a check to me or allow me to transfer the funds to another bank ( the other bank I had attempted to transfer the funds to in the first place! ). I then had to wait 5-7 business days for a review on my account to be complete and I was told at the end of the review that I would be receiving a check within 7-10 business days. I was slightly relieved after a full month of trying to retrieve my funds, it seemed like the finish line was finally in sight. Nope, they sent a check to the originating bank instead of me even though the originating bank asked them to not because they would refuse and destroy the check!!!!! Not only did Marcus by Goldman Sachs go against both the originating banks wishes as well as mine, they in fact sent the check to the incorrect address in a different state!! They did not even have the common decency to send the check to the originating bank. They are sloppy and do not care at all whatsoever. I waited 15 business days for the check to be delivered to the originating bank in hopes that they would just forward it to me, instead the check was sent to the incorrect address and also, even if the check was received by the originating bank, the check would have been destroyed as they do not accept physical checks as per their policy, which means I waited another 15 business days for a check to not only not get delivered to the correct address, but not delivered at all Marcus by Goldman Sachs lied and stated that the originating bank stated they wanted a check to be sent to them so that they can forward the check to me.. ( Which makes XXXX sense because Marcus by Goldman Sachs could have just sent me the check directly ).. The originating bank stated several times to Marcus by Goldman Sachs that they never requested a check to be mailed to them and they do not know where Marcus by Goldman Sachs got this information from. They stated that they made this information up as the originating bank will not communicate with Marcus by Goldman Sachs without me on the phone, which means Marcus by Goldman Sachs lied to me when they said that the reason why the sent both the ( Rejected ) ACH transfer and ( Rejected ) check, was because the originating bank requested it. The story gets worse. I contacted Marcus by Goldman Sachs and stay on hold for ridiculous 45-50 minutes every day just to be told We need you to contact your external bank to receive the funds.. How does that make sense!!!!! I already have contacted them! We together, all three of us were on the phone when the originating bank told you several times that they were not going to accept the funds!!! After each and every call, Marcus by Goldman Sachs triggers an account review in order to figure out a way to give me my money back and at the end of each review they do not do anything different besides say we recommend you contact the external bank they clearly do not care!!!! The external bank can not do ANYTHING!!
Marcus by Goldman Sachs has these extremely long and depressing account review periods where they review your account for 5-7 business days every single time something happens. I call and tell them that the funds will be rejected 5-7 business day review, with no information from customer service throughout that time, they dont even answer my phone calls. I call and tell them that the funds were promised to be returned to me via check or transfer/wire 5-7 business day review, with no information from customer service throughout that time, they dont even answer my phone calls. I call and tell them that I would prefer a transfer/wire instead of a wire 5-7 business day review, with no information from customer service throughout that time, they dont even answer my phone calls. I call and tell them that the check was sent to the incorrect address 5-7 business day review, with no information from customer service throughout that time, they dont even answer my phone calls. I call and tell them that the check is still not in my possession 5-7 business day review, with no information from customer service throughout that time, they dont even answer my phone calls. I call and tell them that it has been a full two months with no progress or effort from Marcus by Goldman Sachs to give me my funds back 5-7 business day review, with no information from customer service throughout that time, they dont even answer my phone calls. I call and tell them that I still dont have my funds and that the originating bank will not accept a check nor transfer, they wont accept any money because my account is closed and they recommended to Goldman Sachs to give me my funds in a check 5-7 business day review, with no information from customer service throughout that time, they dont even answer my phone calls.
I call and let them know that my account has two credit cards as well in the app that I need access to pay and that have nothing to do with the savings accounts that are now closed. They are unwilling to unlock my online access. I am afraid that I wont be able to pay my credit cards on time! This is a nightmare!!! Not only have I lost a savings account for absolutely no reason, but I may lose two credit cards as well! They allow me to log in once every few days and then whenever they decide to do an account review, they re-lock my online access and I cant access my credit cards and pay them again!!!!!
They told me they would issue me a check if the originating bank did not accept the check, now all of a sudden, they are unwilling to do so! They lied again! I dont even know where my money is! I am struggling and have been for two full months. I have been struggling to pay rent, I have accrued credit card debt, I am struggling to pay my bills, I am struggling to pay my college tuition. I even had to sell my car to get enough equity to keep myself from drowning.
To this day I still do not have my funds I so desperately need and deserve. I never did anything wrong besides just trying to do a normal ACH transfer to another bank account in my name!!!!!!!
On XX/XX/XXXX, I told Marcus by Goldman Sachs that at this point I am going to get an attorney and sue because I have endured an extreme amount of stress, XXXX and XXXX.. 5-7 business day review, with no information from customer service throughout that time, they dont even answer my phone calls.
|
| 04/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Subject : New Complaint Against Apple Card ( Goldman Sachs Bank USA ) for Repeated Inaccurate Reporting and FCRA and CCRA Violations Dear Consumer Financial Protection Bureau, I am writing to file a new complaint against Apple Card ( Goldman Sachs Bank USA ) for their continued inaccuracies in reporting my payment history to the three major credit bureaus ( XXXX, XXXX, and XXXX ) and the violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Reporting Agencies Act ( CCRA ) and also to clarify the nature of the four complaints I submitted to the Consumer Financial Protection Bureau ( CFPB ) that are now closed. While my initial complaint that is still open for the data of XX/XX/XXXX, is indeed related to the erroneous credit reporting by Goldman Sachs USA Bank, the subsequent complaints were filed due to new and separate issues that arose as a result of the financial institution 's ongoing handling of the matter.
Since filing my initial complaint as of XXXX XXXX XXXX the following new issues that have impacted my credit report and violate the FCRA and CCRA have emerged, prompting me to submit this additional complaint : 1. The financial institution reported an additional 30-day late payment to my credit reports for a different month than the one mentioned in my initial complaint, further damaging my credit score. The initial complaint on XX/XX/XXXX, only mentioned the XX/XX/XXXX XXXX mark. Since XX/XX/XXXX, Goldman Sachs Bank USA Apple Card changed the 30-day and 60-day late mark to the month of XX/XX/XXXX, which resulted in a drastic change in my credit score. When called about this issue, Apple support admitted they made a mistake, yet had no record in the system of this why XX/XX/XXXX was reported as late by 30 and 60 days, as I was never late. This warrants a new complaint.
2. A 60-day late payment was added to my XXXX credit report, which is a separate and distinct issue from the previous 30-day late payment reports noted in my first complaint made on XX/XX/XXXX. The 60-day late mark for XX/XX/XXXX, then XX/XX/XXXX, then removed and placed back to XX/XX/XXXX since my initial complaint on XX/XX/XXXX, to CFPB impacted my credit and overall stress during my current XXXX XXXX When I reached out to Apple Card about this, they had no explanation for why the 60-day late mark was added as they only showed inaccurately that I was late by 30 days which Apple admits is both incorrect. This warrants a new complaint.
2. The Goldman Sachs Bank USA since my initial complaint on XX/XX/XXXX has repeatedly removed and re-added the erroneous late payment reports to my credit history over two times, first changing the month from XX/XX/XXXX, initially reported XX/XX/XXXX, yet since that time on multiple occasions including removing then reading the 30 days and 60 day late payments on XX/XX/XXXX, and XX/XX/XXXX causing confusion and inconsistency in my credit reports. Since my complaint to CFPB on XX/XX/XXXX, Apple, as recently as a few dates ago, noted XX/XX/XXXX and XX/XX/XXXX, removed and readded the complaint. After receiving a call from Goldman Sachs Bank USA yesterday, XX/XX/XXXX, from XXXX XXXX from the number XXXX, It was shared that the reason for the removal and readditions was because multiple customer service representatives are working on my case. XXXX XXXX with Goldman Sachs Bank USA shared during this call yesterday that some customer service representatives have applied the negative marks 30 days and 60 days late. In contrast, others removed it, showing this is not a computer error but made by people within the Goldman Sachs company despite my multiple complaints and disputes with the company. XXXX XXXX shared he listened to the recorded calls and could only apologize and send in another letter to the bureaus starting the inaccuracies. Yet, since my initial XX/XX/XXXX complaint to the CFPB, this has led to significant drops and changes to my credit since the initial CFPB complaint on XX/XX/XXXX, due to the removal and readdition, and changes to the months reported inaccurately, including the time frame of 60 days and 30 days.
These new issues are not merely duplicates of my initial complaint, as shared in the four complaints to CFPB notes before, but rather a result of the financial institution 's continued mismanagement of my credit reporting dispute. I kindly request that the CFPB consider these complaints separately and take this new complaint with the developments that extend further than my initial complaint on XX/XX/XXXX, and note the severe violations of the FCRA and CCRA that have been committed by Goldman Sachs Bank USA after the initial complaint, as they pertain to distinct issues that have arisen due to the financial institution 's ongoing negligence in resolving my credit reporting problems.
Below is an in-depth explanation of how this is a completely new complaint to my initial XX/XX/XXXX, CFPB complaint and should be considered as a standalone complaint that shares the new instances of FCRA and CCRA violations XXXX New Complaint 1 : The XX/XX/XXXX negative mark was moved from the month of XX/XX/XXXX to the month of XX/XX/XXXX since the XX/XX/XXXX, CFPB complaint. This led to my credit score being impacted further with a loss of points. When Apple, Goldman Sach Bank USA was called to ask why, they had no notes or explanation for this change. Please reference the attached documents.
New Complaint 2 : A 60-day late reporting on my XXXX credit report for XX/XX/XXXX, despite never being 30 or 60 days late after my XX/XX/XXXX, CFPB complaint. Before I was only reported 30 days late, yet I am now being reported 60 days late this showed both in the new XX/XX/XXXX report and then back to the initial XX/XX/XXXX report as of today, XX/XX/XXXX. The complaint emphasizes the significance of the discrepancy and requests further investigation as initially, on XX/XX/XXXX, the CFPB reported the 30-day late mark on my credit for the month of XX/XX/XXXX.
Since that time of XX/XX/XXXX complaint to the CFPB, Goldman Sach has changed the month I am late to XX/XX/XXXX without explanation or documentation for why- further impacting my credit, written me a letter and has multiple customer service representatives call me to apologize only to remove then readd the negative marks, included negative marks for both 30 days and 60 days. Please reference the attached documents.
New Complaint 3 : Over three times since my initial complaint on XX/XX/XXXX to the CFPB regarding Goldman Sach Bank USA the 30 day and 60 day mark has temporariarly been removed following multiple complaints and disputes to Apple Card directly and most recently to three credit bureaus. Yet they have been subsequently re-added as 30-day and 60-day negative marks by Goldman Sachs Bank USA Apple Card repeatedly to all three credit reporting agencies. Most recently the deletion and readditin happened via both XXXX and XXXX credit reports on XX/XX/XXXX, and XX/XX/XXXX. Please reference the attached documents. Please reference thetattached.
These new developments have occurred since my initial complaint to CFPB on XX/XX/XXXX, and warrant a completely new complaint being filed against Goldman Sachs Bank USA Apple Card 's practices as they continue to make new violations to FCRA and CCRA and violate my rights despite admitting both verbally and in writing that these reports or erroneous and in no way my fault but the result of negligent and willful behavior by the company. Due to since my initial complaint on XX/XX/XXXX to the CFPB, Apple Goldman Sachs Bank USA has made multiple removals and re-additions of the negative marks after their removal, coupled with the constant changes in my credit report causing significant damages, demonstrating a continued willful and negligent violation of the FCRA and CCRA regulations. This ongoing negligence has severely impacted my credit, XXXX XXXX, and family well-being, in addition to affecting our home-buying plans and the closure of one of my {$6000.00} credit cards that I have had for years and overall credit usage.
I kindly request that the Consumer Financial Protection Bureau thoroughly evaluate the new violations since my initial XX/XX/XXXX complaint to the CFPB against Goldman Sachs Bank USA, for the new violations of the FCRA and CCRA against my rights since my initial complaint on XX/XX/XXXX CFPB complaint.
I assert that this written complaint is completely different than my XX/XX/XXXX CFPB complaint currently open and thus should not be marked as a duplicate, as detailed above. This complaint here in written should stand alone as a completely new complaint with multiple new violations of both the FCRA and CCRA made after my initial complaint on XX/XX/XXXX that Goldman Sachs Bank USA should be accountable in being held responsible for and responding to.
I appreciate your attention to this matter and look forward to your assistance in resolving this persistent issue.
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| 04/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This complaint relates to the Apple Card, managed by Goldman Sachs, and stems from a sequence of purchases made the iOS version of XXXX XXXX by XXXX. Goldman Sachs has made it unreasonably difficult to submit, process, and appeal such claims, has failed to provide written documentation supporting their decisions in reviewing purchase dispute ( as required by federal law ), and has given me few opportunities if any to provide information relevant to their investigation.
The purchases in question were made in the arcade-style game " XXXX XXXX XXXX' , which has historically been plagued by software bugs. One longstanding such bug was that sometimes no in-game resources would be delivered to the user upon purchase, but the credit card would nonetheless be charged. It is worth noting that all items in this game can be acquired over time without payment, so the sole benefit of making purchases is to acquire in-game resources quickly ; additionally, XXXX XXXX has numerous bugs and its Customer Support is often slow or too busy to respond to everyone, and when I finally explained the issue, they said that it was not within their power to reverse the charge and that I should contact my credit card company, and that XXXX XXXX would endeavor to assist in the processing of the return ( which may or may not have transpired ).
Because of these factors, on numerous ( >10 ) occasions, when I made a purchase in XXXX XXXX I neither received the items I intended to purchase, nor did I receive a notification that my card had been charged ( such a notification is usually immediate ). After waiting a few minutes, I reasonably assumed that no purchase had occurred, and tried again. In most ( possibly all ) cases, I received the desired resources with the second purchase, and I would receive notifications that both purchases had processed from the XXXX XXXX. But I only intended to make one purchase, and only received the purchase items once. In one case, I was charged twice for " unlocking '' an item... an action that can only happen once.
Goldman Sachs makes it extremely difficult to remedy these duplicate charges ( note that I did not want to make XXXX purchases and that I had reason to believe that no purchase had occurred when I retried the purchase in the game ). For the first few months I had the Apple Card, " duplicate charge '' was not even a default option when disputing a purchase, despite this being one of the more likely possibilities ( especially for a card associated with the App Store ), and despite the fact that other credit card companies actively check for duplicate charges on behalf of their customers ( e.g., XXXX XXXX ). Without a default dispute option, I was forced to go through Customer Service. I believe " duplicate charge '' is now a dispute option, but as far as I know, there is still no option to supply supporting information when making such a dispute, leading to senseless denials of the claims ( there is also no option to appeal claims nor to submit supporting information after the initial decision ). Essentially, Goldman Sachs ' attitude toward dispute resolution is to take various performative bureaucratic steps to give the appearance of compliance with federal law and then deny claims outright, as I will describe.
Apple Card customers can basically only initiate interactions with customer support through the XXXX XXXX application on their phones, which may itself violate federal law on communications between creditors and their customers. Then, any dispute is first routed through XXXX XXXX XXXX XXXX, who are unable/unwilling to assist with these and related matters, before the customer is directed to Goldman Sachs . If the customer is unable to provide all information to the Customer Service representative sufficiently quickly, their messaging session with the representative expires, and they must repeat the process of supplying information to a new representative, which often involves copying and pasting receipts, dates, transaction IDs, etc. This process has wasted many hours of my time, and seems designed to discourage users like myself from submitting claims at all, or delay the process until applicable deadlines ( set out by federal law ) have passed. These obstacles are especially burdensome to me owing to mental health issues, which are protected by the ADA.
Eventually, Goldman Sachs Customer Service representatives initiated disputes on my behalf. In some early cases, these disputes were resolved in my favor. In many cases, they were resolved in favor of XXXX XXXX, with the stated reason being that I had, in fact, made the purchase. Obviously, I knew I had technically made the purchase, but I never meant to, and I had every reason to believe that I hadn't. But at no point in the dispute review process did I have the opportunity to mention any of this ( more recently I have discovered I was asked to provide supplementary information to assist in a much later dispute, however this request was sent to the email associated with my Apple ID, which I rarely check, rather than via iMessage, where the dispute originated ; I was also given a hard deadline of 5 days for no discernible reason, after which my dispute was rejected ). In fact, I never had the opportunity to mention any additional information to anyone who investigated the majority of these claims ( only to the Customer Service representative who submitted the claim on my behalf, without my having the opportunity to review its contents ).
On one occasion, I managed to initiate nearly a dozen disputes all at once ; after complaining about my previous disputes not being investigated, roughly the first half of these disputes were resolved within 48 hours ( from the submission of the complaints to close of business on Friday ). ALL of these were resolved in my favor. The following Monday when business resumed, all remaining disputes were instantly resolved, and NONE in my favor. It appears that a new person had resumed processing my disputes and decided to reject all of them without serious consideration. I assume this is Goldman Sach 's policy.
I have since requested all documentation appertaining these investigations ( in writing ), but have received nothing. It has been more than a month ( probably more than two ) since this request.
I should also note that I have other purchases to dispute related to this game ( XXXX XXXX by XXXX ), which has ( through software glitches, fraudulent claims, and general deceit ) removed in-game resources from my account whose dollar value vastly exceeds all my purchases combined. Numerous purchased items have been removed from the game entirely without any offer of a refund, others were bought based on false information ( i.e., I never got the item I was led to believe I was purchasing ), and the game constantly downgrades ships and strengthens enemies, effectively nullifying all purchases. But if Goldman Sachs won't even refund my duplicate purchase, then how can I trust them to investigate the aforementioned claims honestly and fairly? Note that I have also raised these issues with the Apple App store and with the Federal Trade Commission, neither of whom have taken these matters seriously, despite the fact that tens of thousands of Americans may be affected by this predatory game alone.
From what I can tell, XXXX and XXXX XXXX have a manifest conflict of interest in adjudicating claims about purchases made from the XXXX XXXX and through applications available therefrom. Certainly Apple and Goldman Sachs have financial entanglements, and it seems increasingly likely that Goldman Sachs ' dispute resolution policy is biased against its own users ( likely in violation of its own user agreement and/or federal law ), since refunding purchases would decrease Apple 's revenue from the Apple App Store. Goldman Sachs also fails to compete with the consumer-protection services afforded by many other credit cards, and their policies are opaque and their customer support all but inaccessible. All of this seems to be " by design '' to make it as difficult as possible for Apple users to dispute purchases where Apple has a financial stake.
Goldman Sachs needs to clarify their policies, make it easier for consumers to dispute claims, and remove any bias or appearance thereof in their dispute resolution process. Apple should not be allowed to influence the dispute resolution process in any way, and any financial complications or interests that could influence this process must be eliminated. The entire gaming industry needs to be reigned in as well, and the CFPB could help by making it clear that credit card companies will not be allowed to engage in these predatory practices to gouge consumers of their hard-earned income.
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| 09/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I was forced to pay a nearly {$5000.00} repair bill for items that were never installed and labor that was never approved. An initial invoice was submitted as a final bill, even though the truck was not delivered at that time and there are records that I was still working with the owner to resolve the discovered issues found during the test drive and repeated attempts to pick up the truck after being told issues were resolved. There are records showing the submitted invoice was NOT for a final resolution. There are weeks worth of more back and forth in an attempt to resolve the issues, and admittance by the owner that parts described and billed for were NOT what was installed. Finally, in an attempt to provide more evidence and also verify a dangerous condition with the operation of the vehicle, I had a third party inspect the work. The third party affirmed that what little work was completed was done INCORRECTLY and DANGEROUSLY in a grossly negligent manoralso confirmed directly by the merchant.
Initially, the owner of XXXX XXXX XXXX and I discussed a {$1500.00} {$2000.00} estimate for the brake upgrade ( including labor ). That estimate rose to {$2000.00} {$2500.00} based on upgrading the size and quality of the brakes ( larger, safer brakes for all tires ). Seeing the part numbers ( which were not disclosed at the time of payment ), it is clear that there was no upgrade. The price also ballooned dramatically from the original estimate to over {$3000.00}. Again, this is without any upgraded parts from the initial {$1500.00} {$2000.00} estimate. Also, the work was contracted out to a third party without being disclosed. I came to XXXX 's XXXX based on history and knowledge of past work. It would have been easier ( and more affordable ) to find someone on my own instead of being charged triple markup on parts and labor. See the attached Invoice for the brake parts highlighted in yellow. The {$1500.00} part is never found for more than {$800.00} anywhere ( see Brake 1 '' ), and the {$770.00} part is only {$55.00} ( see Brake 2 ) and thats if you dont get it included with the first disc brake set which is pretty common!
Work was also done without my approval. I asked for oil leaks to be remedied. This effort turned from " a gasket or something '' to over {$1200.00} of additional charges. I was told the work was completed and never asked if I approved the proposed solution or price. Ive highlighted any non-approved work in red on the Invoice evidence.
Finally, a diagnostic on the speedometer turned into an additional over {$400.00} charge. The worst part was when I tried to pick up the vehicle after over ten weeks of you having it ; it was not safe. The brakes pedal spring damaged and wrapped around the pedal instead of attaching to it! See the attached evidence Repair 1. The truck was too dangerous to drive and in worse shape than when first delivered. Worse than that, when I was paying for the vehicle, I was told the speedometer was " like it rolled off the showroom floor. '' In the time they had the vehicle to make the brake repair, the speedometer had already broken and needed to be re-repairedwithout ever being driven by me! The truck stayed at the shopI had already payed the entire bill.
The second time I went to pick up the vehicle, I could not successfully make it out of the driveway without the new repair '' breaking. See the attached evidence Repair 2 and Repair 2 Location ''. It was at this point that I had to leave the vehicle again.
After three months and two different attempts to pick up the vehicle while already being charged a price that was inaccurately classified and falsified, I tried to pick up the truck. I have been lied to, charged without warning, and the quality is nowhere near adequate. I had already shown the invoice for the labor and parts to multiple other repair shops, and I'm embarrassed even to address how they reacted. I felt like a fool for trusting them and for paying the initially charged fee without first reviewing documentation of what was put into it and by whom. When the vehicle STILL wasnt ready, I ended up just taking my truck off the lot.
Rays Auto Care was NOT interested in making any adjustments to the original bill, even after we discussed NOT being told up front what the repairs would cost, that much of the work was done WITHOUT consent, and that the items promised and billed for were NOT the ones installed. ( I dont mean to yell, I just want it clear that XXXX XXXXXXXX XXXX was not willing to make things right ) After I confronted the owner, the only concession he was willing to make was that he would install a new fuel tank sending unit if I bought the part. See the attached Sending Unit Order. I had the part ready, but after 3 failed attempts to get the car properly conditioned to where I originally paid for it, I lost all trust and confidence in their abilitieseven for a simple install that could be done by removing a few screws from the tank located behind the seats and reattaching some wires.
Based on the work that was done, I was also not confident of the brakes that were installed. While not what I ordered nor paid for, I still decided to get them tested. Attached is the bill for the work I had done, see Brake Check. The truck wasnt braking correctly and would sometimes be spongy. Turns out there was air in the lines. Glad I got that checked for an additional {$150.00}.
I've also included call records that I pulled from my wireless bill, as well as text messages. As you can see, it backs up my claims that he was unwilling to move on the price or parts, even though they were NOT what I was told was being paid for and installed, and instead he offered to install a fuel sending unit instead. It also shows that he contracted out the work, which was also never disclosed. Youll see as well the fact that it took a LONG time after I was billed for the parts and labor to actually get the part number for the items that were installed ( which again, were not the ones agreed to and billed for ). Finally, you can see the long history of me having to contact them over the course of months only to finally just get my truck with the work still incomplete because I had lost all confidence in their ability to perform adequte or honest work. The final call on XX/XX/XXXX was me informing them that I was coming to get the truck and was done. As you can see from the billing record I was billed in full on XX/XX/XXXX. They had my truck for about 10 weeks already by the time I was billed ( for what should have been a VERY straight forward job ). From there, I waited an additional 2 weeks for them to try to fix the outstanding issues, but after a couple more failed pick up attempts I removed the truck to have correct work completed elsewhere. The merchant submitted the incomplete invoice and would not work with me on a final, accurate charge for work and parts that were actually completed.
Lastly, while cleaning out parts that the merchant left in the bed of the truck, I discovered what I believe to be the original spring for the brake pedal, left in between two of the hubcaps that were removed while installing the incorrect brakes ( see " Brake Spring '' ). It's the right size and painted blue like the rest of the interior, so it was likely thought to be lost and that's when another spring was just dangerously wrapped around the brake pedal.
Please let me know if there is anything else that you need from me or more details about the disparities of what was supposed to be installed and what actually was installed. Thank you so much for your assistance on this! My family has been going to this location for decades, but the new ownership is NOT the same and I never would have guessed that charges would have been falsified and the work incomplete when charged. I feel so dumb and taken advantage of for not requiring more information up front before the charge went through, but they would not release my vehicle without payment. The truck itself was only bought for {$6500.00} as a gift from my wife. Theres no way we would have approved almost {$5000.00} in work. It took 3 months to do a break swap. The breaks were NOT the ones agreed to or billed for. The work was never complete. The owner was unwilling to move on the price. The breaks were dangerous with air in the lines, which I had checked and fixed by a 3rd party. All of the items were GROSSLY overpricedon top of the fact that they were not what I was told would be put in. Much of the work was done without consent. Finally, I was pressured and charged before the work was completed. We were lied to and taken advantage of.
Thank you for helping resolve this.
|
| 09/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have asked this company to remove my financial information from my consumer reports and they denied it. Because of this, they have defamed my character and caused me damages. I could not purchase a home or get approved for another credit card. I demand that this company complies with federal law because they have violated both my privacy and FCRA laws 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
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| 06/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Goldman Sachs Bank USA has been deceptive in providing false information in regards to credit and sending statements alleging I owe a debt from me using my own credit that Goldman Sachs Bank USA went to get via federal reserve notes. Credit creates debt! Debt doesnt create credit! As of 2021 Goldman Sachs Bank USA continue to send deceptive forms via mail and email alleging I owe a debt that was created by way of credit for it to be applied to an open end credit plan that is due to me the original creditor 18 USC 914. MY CREDIT IS A RIGHT GRANTED ( NOT AN PRIVILEGE ) I CAN ONLY EXTEND MY CREDIT TO CAPITAL. YOU CANT GIVE CREDIT NOR EXTEND. I Have THE POWER TO ACQUIRE ANYTHING I WANT, NOT CAPITAL, I DONT NEED YOU, YOU NEED ME ( MY CREDIT ). Ive been defrauded by Goldman Sachs Bank USA!
According to 15 USC 1601 ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Congress goes on to inform in 15 USC 1602 of who the original creditor is, which is I the natural person and that I have an open end credit plan in which Goldman Sachs Bank USA has put a limit on my plan and created a deceptive monthly statement alleging I owe when I applied for credit. 15 USC 1602 ( e ) The term person means a natural person or an organization. ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. As you can see in ( e ) of this title the term " person '' is a natural person or an organization, meaning I have the power to be either or and ( f ) " credit '' gives the right granted to incur debt and defer its payment. ( G ) let 's us know that " creditor refers only to a person who both ( 1 ) regularly extends, ( 2 ) and is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or no such evidence of indebtedness, by agreement. ( The quality, state, or condition of owing money. 2. Something owed ) ( In the case of an open-end credit plan involving a credit card ) My social security number was used to obtain credit and went to get the credit from the federal reserve notes, that is how Goldman Sachs Bank USA became a creditor but you were never the original creditor. I am aware of and so should Goldman Sachs Bank USA be of the powers an duties in case you forgot listed pursuant to 12 U.S. Code 1431 - Powers and duties of banks ( a ) Borrowing money ; issuing bonds and debentures ; general powers Each Federal Home Loan Bank shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the XXXXctor may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. We know from 12 USC 1431 that banks can not loan money. So, why are you sending monthly statements alleging I owe? I can not owe or loan myself my own credit that is extended to pay back. That just doesn't make sense. Therefore, Goldman Sachs Bank USA you created a deceptive form and starting collection which is a violation of the federal debt collection practice act. Pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of any debt. Therefore, every statement sent would be considered false and deceptive. Pursuant to 15 U.S. Code 1692b. You can't say I the consumer owes any debt or communicate with me the natural person without my permission ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; 15 U.S. Code 1692e. False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Pursuant to 15 U.S. Code 1692k - Civil liability you are responsible ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and The judge courts can't say I owe a debt so why in world do you think you have the ability to so lawfully? 15 U.S. Code 1692i - Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
This will show cause for my allegations of identity theft and financial fraud reasonable and may it known to the CEO of Goldman Sachs Bank USA nunc pro tunc, I now dispute all prior charges and statements and I demand all prior payment excluding the first payment arrangement be redirected to I the consumer until your agency can provide direct evidence by proof of claim that I consumer directly am obligated to pay an obligation security pursuant 18 USC 8 of the United States, furthermore any of a unverified financial matter is fraud and causes me damages and any direct duress, mistake of material facts or coercion causes mental anguish, so be it, I have given my statement of truth and I directly expect a response within 14 days of proof from receiving this herein dispute, so be it.
|
| 05/10/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
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|
Web |
Servicemember |
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Subject : XXXX/Consumer Complaint XXXX based XXXX against Vs.
XXXX XXXX applicants GOLDMAN SACH Bank, XXXX XXXX COMPLAINT I,, am a XXXX XXXX member, person with XXXX. I am a XXXX XXXX, ( XXXX XXXX XXXX XXXX. I bring this complaint regarding Goldman Sach Bank ( a financial institution in XXXX XXXX XXXXXXXX ) XXXX based underwriting practices of my XXXX XXXX XXXX ) consumer credit application with that bank. That between XX/XX/2023 and to present in the state of XXXX XXXX Goldman Sach Bank used discriminatory race bases criteria in underwriting my XXXX XXXX online Applications for consumer credit, when Goldman Sach Bank Apple Card underwriters saw my XXXX and XXXX XXXX XXXX, after I submitted my valid Drivers licenses showing my XXXX photograph was used as sole basis to decline my XXXX XXXX Applications, ( despite I the consumer credit applicant having excellent ( EXCELLENT ) credit, excellent Payment history, XXXX XXXX Score, adequate income, 1 % debt usages, No bankruptcys, No collections and despite being otherwise fully qualified ) Goldman Sach Bank violated the Consumer Credit Protection Act ( CCPA ), violated Equal Credit Opportunity Act ( ECOA ), violated Consumer Financial Protection Act, all in violation of my civil Rights under Title VI of the Civil Rights Act. Specifically.
I am a client of Goldman Sach Bank and XXXX XXXX user, on or around XX/XX/2023, I received several onlinein vitiations links to apply for the GoldMan XXXX XXXX XXXX I completed GoldMan Sach online Apple Card Application at XXXX XXXX XXXX ; and I provided all requested information, i.e. my correct Full Name, my residential address, my social security number and clicked submit ; Goldman Sach immediately made a soft inquiry on my XXXX XXXX Credit File after receiving my online XXXX XXXX Credit application; I then received a Text verification message from Gold Man on my phone asking if I had just submitted an application for XXXX Card to which I responded YES ; a second online window then asked me to upload the Front and Back of my valid I.D . Card before we can continue with your Application; I submitted high resolution XXXX photographs of the Front and back of My XXXX Drivers license to Goldman Sach Bank ; a final notification window indicated that my Application was under review and I should wait for an email or call ; a few hours later on XX/XX/XXXX, I received an email from Goldman Sach Bank indicating We are unable to verify your identification information... If you believe this decision was made in error, return to the XXXX XXXX application to reapply as instructed ; on XX/XX/XXXX, I verified all information and again submitted a another credit application to Goldman Sach completing the same online application process again including submitting requested back and front XXXX photos of my XXXX Drivers licenses to Goldman Sach Bank ; on XX/XX/XXXX, after no response I called Goldman Sach XXXX Card support to inquire the status of credit application and was told there may have been an error in my name ; and to resubmit another application again ; as instructed by gold man on XX/XX/2023 XXXX I again I again repeated the same above process at XXXX ( XX/XX/XXXX ) as again instructed by gold man I again repeated the same above process ; with the same result I received an email from Goldman Sach Bank indicating We are unable to verify your identification information.. .If you believe this decision was made in error, return to the XXXX Card application to reapply ; at which I called XXXX XXXX , and the credit agency directly verified YES all information on my credit file is correct and matches my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) as again instructed by gold man I again repeated the same above process submitted a another credit application to Goldman Sac completing the same online application process again including submitting requested back and front XXXX photos of my XXXX Drivers to Goldman Sach Bank ; at XXXX I again received email from Gold Man such We are unable to verify your identification information... If you believe this decision was made in error, return to the XXXX Card application to reapply ... ... ... ... ... ... ... ... ... XXXX ... ... ... ... ... ..Despite my numerous communications with the GOLDMAN SACH Bank XXXX XXXX XXXX for a resolution as of this writing GOLDMAN SACH BANK does not have a resolution process in place to address this problem it says is a VERIFICATION OF IDENTITY INFORMATION. Further GOLDMAN SACH BANK has refused to did not provide any additional information Specifics except to tell me to reapply again,,, per XXXX XXXX, Goldman Sach Bank has made 5 or 6 inquiries on my credit file between XX/XX/XXXX to present. I am a consumer with XXXX XXXX and XXXX XXXX and Financial history mu excellent credit, is not in dispute here. After having six times properly and lawfully applied for consumer credit with GOLDMAN SACH BANK and repeated rejected solely based on presentation of my Drivers Licenses indicating I am a XXXX American male, having eliminated all other possibilities ( to which Goldman have provide no other ) the only possibility left there being sufficient reason to believe that GOLDMAN SACH BANK has been for several years and is engaged in discriminatory underwriting practices solely based on my race XXXX after the Banks XXXX Card underwriters determined am XXXX American after GOLDMAN SACH BANK saw my Drivers license photograph, GOLDMAN SACH BANK XXXX underwriters BLACKED Listed me and blocked my fair Credit access to XXXX Card consumed credit indefinitely, that constitutes multiple violations of the Consumer Credit Protection Act ( CCPA ), violations of the Equal Credit Opportunity Act ( ECOA ), violations of Consumer Financial Protection Act, and XXXX XXXX XXXXXXXX laws, all in violation of my civil Rights under Title VI of the Civil Rights Act, All constitutes multiple violations of section 1036 ( a ) ( 3 ) of the CFPA, 12 U.S.C. 5536 ( a ) ( 3 ), which prohibits providing substantial assistance to a covered person or service provider engaging in unfair, deceptive, or abusive acts and practices. and further violates 18 U.S. Code 1341 and 18 U.S. Code 1346 and all in violation of 18 U.S. Code 1349 Section 5 of the FTC Act, which prohibits deceptive or unfair acts or practices.. Therefore, BASED ON THEFORGOING : The issue presented here is : I submitted signed XXXX card consumer Credit applications to GOLDMAN SACH BANK on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2023 ; GOLDMAN SACH BANK made several six inquiries into my consumer credit file THAT CONSTITUTES VALID CREDIT APPLICATIONS for CONSUMER CREDIT under the CCPA, fair credit act et al ; THE ISSUE : GOLDMAN SACH BANK Denied my consumer Credit Applications, alleged because GOLDMAN SACH BANK says ( we are unable to verify your identity ) despite my several matching valid identification documents including matching XXXX XXXX XXXX XXXX : It is my belief GOLD MAN is engaged in discrimination solely based on my being a XXXX XXXX XXXX who does not fit GOLDMAN SACH BANK discriminatory criteria that only white persons with a XXXX XXXX and earn EXCELLENT Credit history can be approved for an XXXX Credit Card, is discriminatory and unlawful.
Pursuant to the Equal Credit Opportunity Act I respectfully request this agency investigation and 1. order from this agency compelling GOLDMAN SACH BANK to provide alternate fair credit verification of identity methods ( i.e. phone video verification and selfie I.D . Verification, Email or document upload for Identification verification etc. ) that a modern XXXX XXXX bank should have available to all customers.
2. Order GOLDMAN SACH BANK to immediately cease further violation of the Consumer Credit Protection Act, Cease violation of section 1036 ( a ) ( 3 ) of the CFPA, 12 U.S.C. 5536 ( a ) ( 3 ) and FTC Act, 15 U.S.C. 45 ( a ) ; 3. all other action in a XXXX court within the CFPB commissions own powers, to obtain temporary, preliminary, and permanent injunctive relief, rescission or reformation of contracts, restitution, the refund of monies paid, disgorgement of ill-gotten monies, and other equitable relief for GOLDMAN SACH BANK and its co-conspirators defrauding U.S. Consumers and military families, DATED XX/XX/202XXXX XXXX
|
| 06/14/2021 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem making or receiving payments
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Web |
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At the time of this issue, I held multiple savings accounts with Marcus by Goldman Sachs ( Marcus ), all of which were in my name. Since opening these Marcus accounts, they have always been linked to a XXXX checking account, also in my name, and I have sent money between the two accounts many times in the past.
In XXXX of 2020, I changed my personal cell phone number the number that had been linked to my Marcus account and ensured that my new number was on file with Marcus. Approximately three weeks ago, I changed additional contact information in my Marcus account, including changing the phone number on the account once again. Every time I have changed my information with Marcus, there were no issues whatsoever.
On Monday, XX/XX/XXXX, I called Marcus to transfer {$140000.00} from a savings account with them to my external XXXX checking account. The {$140000.00} needed to be sent to my checking account so that I could then wire it to my attorneys escrow account to close on a property I was in the process of purchasing. The closing was set for Thursday, XX/XX/XXXX so I was calling with 72-hours notice. Again, note that the XXXX account was already linked to my Marcus account, and I had sent money between the two accounts many times in the past with no problems.
During the call with Marcus, and in an effort to verify my information, they sent a code to the number of the mobile device that they had on file. I received the code on my cell phone, the verification was successful, and I was then told the transfer would occur within 1-3 business days. The Marcus representative informed me that because my XXXX checking account was already linked to my Marcus savings account, it would likely only take one day, but he could not guarantee that. I said this was fine, knowing that I had until Thursday for the funds to arrive in my XXXX account.
On the morning of Tuesday, XX/XX/XXXX, I checked my online accounts with Marcus and XXXX and did not see any transfer activity. I again called Marcus, and I was told the transfer was in review. The Marcus representative told me recognizing that time was of the essence that he would change it from an account transfer to a wire transfer, as wire transfers happen quicker. He assured me that the funds would be in my XXXX account by the end of the day, Tuesday, XX/XX/XXXX.
I checked my XXXX account throughout that Tuesday, and around XXXX XXXX EDT I became worried since no funds were in my XXXX account. I again called Marcus, at which time I was told that the wire transfer was still in review by their security team. It was only at this point more than 24 hours after my initial request that Marcus provided a reason for the review : because I had recently changed the contact information on my account. They told me that they had attempted to call me twice that day to work through the issue, at which time I learned the number that they had been calling was the old cell phone number of mine that I had taken off of my account in XXXX of 2020 and that was now out of service. To be certain : the number they called had not been affiliated with my Marcus account for nearly six months. I have no idea why they called that number when they had a valid number on file a number they had used to verify the transfer request during my initial call the previous day. To make matters worse, no one at Marcus could explain to me why I hadnt been contacted at the number associated with my account when they couldnt reach me.
After being transferred to multiple people within Marcus, begging to speak with someone who could help resolve the review of my wire, I was told that someone at Marcus would call me Wednesday morning to review the wire and resolve any outstanding issues. At this point I had been on the phone with Marcus for nearly two hours, and with no other options at my disposal, I agreed to this. I stressed that whoever made the call had to call the number associated with my account, as the number they had previously tried to use was not in service. The person with whom I was speaking made note of this and ensured me that the number on file would be used.
Around XXXX or XXXX XXXX. ( EDT ) on Wednesday morning. I began to get nervous yet again, as I had not received any call from Marcus. Just as I had the previous afternoon, I called them trying to get some explanation. After speaking with a supervisor by the name of XXXX, I was told in no uncertain terms that my case was being escalated and that someone would be calling me back ASAP to try and resolve the issue and get my wire transfer executed. I again told them multiple times that they must call the number on file. XXXX and I confirmed that number, and I was told that they would absolutely use that number to call me. While XXXX could not confirm a time when I would be called back, he assured me that it would be sooner rather than later, and certainly that day.
At no point on Wednesday did I get a call from Marcus to resolve this issue. Please keep in mind that at this point the closing on the purchase of my property was happening the very next day, and I still was unable to provide my attorney with the necessary {$140000.00} to make this closing happen.
Faced with the near certainty that I wouldnt have the funds from my Marcus account in my XXXX account by the end of the day Wednesday, I scrambled to pull together the {$140000.00} from other personal funds, including having to borrow money from family members at the very last minute. They rushed to wire the money, and thankfully I was able to have the full amount in the attorneys escrow account by Wednesday evening.
By the end of the day on Wednesday, I had still not heard from Marcus. I did not hear from them on Thursday. Shocked at their lack of responsiveness, and still uncertain where my money was, I called Marcus again on Friday, XX/XX/XXXX around XXXX XXXX EDT to try and understand what had happened. At this point, I was fed up with Marcus, and during this call I informed the Marcus representative I would no longer do business with them and that I was withdrawing all my money from them and closing my accounts.
At my request, my call was escalated to a supervisor whose name was again XXXX. While I can not confirm with certainty that it was the same person that I spoke with on Wednesday, I believe that was the case. XXXX again reviewed my file and told me on Wednesday they had, in fact, called me twice but they again called the out-of-service number that had not been listed on my account in six months! They called this number even though I had begged, and they had promised, that they would call the number listed on my account. Again, I have no idea why they would continue to call a number that had not been associated with the account in nearly six months. It begs the question why they wouldnt, in the very first instance, simply call the number listed on the account?
XXXX profusely apologized and said, yet again, that they would investigate this issue and call me back with some sort of explanation during the day on Friday. At no point on Friday, XX/XX/XXXX, did I receive a call from Marcus.
At this point, there was nothing left to do, so I called Marcus on Friday evening, and told the woman who answered my call that I wanted to immediately close all of my accounts and have my money transferred to my XXXX checking account. Despite never having been able to process my initial request, there were no issues in closing the accounts, and in a cruel bit of irony, Marcus was able to close my accounts and transfer the money to XXXX by using my mobile number on file to verify the transaction. To summarize : they couldnt call this number to handle a time-sensitive matter, but they could use it to verify the transferring of all my money out of their institution.
After waiting several days, all my funds from Marcus were deposited into my XXXX account on Tuesday, XX/XX/XXXX. To date, no one has ever explained to me how this happened. I now write to the CFPB in the hopes that this matter will be investigated so that other consumers dont have to experience the same XXXX that I went through.
|
| 02/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On XX/XX/2022, I purchased a truck accessory from a company advertising on social media for a vehicle I had just purchased, and as part of a larger plan to establish self-employment income and reduce my reliance on disability. The rack was advertised by XXXX XXXX, who is owned by XXXX XXXX XXXX XXXX of XXXX, NY.
I was primarily searching for a rack capable of carrying a few hundred pounds above the bed for longer materials or recreational equipment, and built in storage to expand the range of tools I could bring with me when I could begin working for myself.
I selected this XXXX XXXX rack and cargo chest combination because the customer service team was very responsive pre-purchase, and because it was advertised as being capable of carrying a 350lbs dynamic load or hold a 700lbs static load with tonneau brackets. This is at just 51lbs weight for the rack itself. That performance for the weight was what led me to believe the high cost was justified. Seemed too good to pass up. Possibly, too good to be true in hindsight.
XXXX offered discounts that I qualify for and they are an American business advertising American made goods that are advertised as made with local, American materials from Western New York.
I also purchased their cargo chests for the rack which were advertised as weather-resistant and shown as good storage for a wide variety of items.
These boxes show no attempt in any way to make them weather resistant.
For one, the sides overlap the top panel of the box ; there is a reason the roofs of our homes extend past the walls. Every hardware penetration in the box is open. No nylon washers, no rubber, no gaskets. The panels are all joined metal-to-metal, and when fully assembled, the boxes keep out very little moisture or dirt. Light is visible between the door and body of the cabinets. The lids are affixed to the boxes using painted, basic 3-hole hinges. These were attached with bolts and nuts for some reason, which leaves raised hardware exposed on top of the boxes. The latches and lock for the boxes are not labeled for outdoor use, nor are they weather resistant.
The option from XXXX XXXX is considerably more expensive than competitive products I had been considering like ; the XXXX XXXX Series Aluminum rack, XXXX truck bed boxes ( not available at the time ), and various options available from the dealer. One of the reasons a significantly higher weight capacity was not attractive ; the truck would be an earlier limitation on total payload than the rack.
It became apparent almost immediately upon using the rack, that it would not be capable of meeting any claimed performances. It was obviously dangerous to continue its use.
After a particularly bad experience with one of the first loads of lumber I carried, I contacted the company to relay my experience and ask if they would take the rack back. The company has a strict zero return policy ( I now see why ), and was generally combative and dismissive in their initial response.
I decided to pursue a chargeback through my credit card provider ( Apple Card via Goldman Sachs Bank ), as this seemed to me like a clear case of someone trying to sell overpriced goods to under-educated consumers online. I requested a chargeback based on the product being far below the expected quality based on the companies description and product pricing.
Goldman Sachs Bank initially sided with the seller based on criteria that seemed unrelated to my claims.
The seller provided some token responses to my claims that can be summarized as " nuh uh! '' There was no evidence provided by the seller to refute any of my points. In some cases, their responses contained provable falsehoods, like their cargo boxes being made " weather resistant ''. They relied primarily on their success at preventing any previous returns to justify preventing a refund on this purchase.
I offered a few times to work with the seller while simultaneously working with Goldman Sachs Bank to cancel the transaction.
Communication from XXXX XXXX during this process was at times combative and dismissive. There were instances peppered in of polite service as I tried to salvage some usability from this product.
At one point, the company implied I would not be able to pursue any warranty claims, despite the product being within their warranty coverage. I forwarded this to Goldman Sachs Bank as evidence the seller is not upholding their end of the purchase. They have reached the same conclusion two additional times, despite more and more evidence that the company is not responding to me and has preemptively denied me warranty service.
I sent a final attempt at communication to a different employee at the company whose social media showed them to be a current employee at a senior level.
In this communication, I provided a clear case for what I was trying to accomplish. I shared a substantial amount of evidence showing failures of the product, and offered to concede the cost of shipping for a partial return.
This was met with zero response.
I forwarded that communication to GSB, along with a written summary detailing my experience to date. I included communications from the seller, and accounts from other customers who had also noted the rapid failure and seemingly dubious claims made by the company. Many of these accounts from other customers documented examples of where XXXX had clearly chosen lowest-possible-cost options in production that led to almost immediate failure of either parts of products or entire products.
It is important to note here, that I have repeatedly offered throughout this process to provide video evidence to GSB, as seeing the product in motion makes it abundantly clear that this is not what it is claimed to be.
Again, my request for a chargeback was denied with no specific responses to my evidence or summary given. Just the same exact response I had received the previous 2 times. Whenever I requested evidence regarding the request ( all three requests in total ), they kept sending the same initial response from the seller, which was primarily baseless dismissal of each of my documented problems with the product.
When I was calling to discuss options that might lead to a resolution, I did mention filing a CFPB complaint as my planned next step. The representative on the phone quickly transferred me to a manager, and they began a sort of scripted phone process that seemed to lead nowhere ultimately. It concluded with the manager informing me that my appeal had been re-opened. As of time of writing this, it has not been re-opened and I have not been credited.
I believe that GSB is choosing to deny a legitimate complaint simply because they can. I do not believe they have fairly addressed my claim, and their limited forms of evidence accepted are preventing a more convincing contest of this charge. Goldman Sachs Bank has established a recent history of denying customer claims despite their legitimacy and veracity. I wish I had researched more before doing business with them.
I want other consumers to know about the experience I have had with this seller and Goldman Sachs Bank. I hope that, should this be made public, any readers have found it informative and chose not to do business with Goldman Sachs Bank until they change their behavior toward their customers.
In addition to this complaint, I have submitted a request for assistance from the NY State AG 's Office in dealing with the seller.
|
| 09/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I'm writing to request an investigation into why my Apple Card was abruptly closed by Goldman Sachs on XX/XX/XXXX without warning and only being told account closed for " REGULATORY REASONS '', without any explanation of what that means. When I ask them what " REGULATORY REASONS '' is, all they tell me is " I DON'T KNOW '', and that's unacceptable. Goldman Sachs is refusing to provide me with any reason or cause for closing my account, other than stating account closed for " REGULATORY REASONS ''. I have called Apple Card support and requested an explanation three ( 3 ) times since the account was closed, but Goldman Sachs refuses to provide any explanation why my account was closed, or offered any means to resolve the situation, nor can they in any way explain what " REGULATORY REASONS '' even is, much less why they closed my good standing account for that reason ''. This arbitrary action by Goldman Sachs is seriously damaging my credit, and they refuse to explain why, or help me to fix what I believe is a very serious error in their system. This situation is financially catastrophic for me, please help.
A supervisor at Apple Card support told me on the phone that my Apple Card is marked in her system as : account closed for " REGULATORY REASONS '', but will not explain what this means or what I can do to resolve this situation. The supervisor stated : " I have no idea what 'REGULATORY REASONS ' is, but that's the reason your account is closed. '' That tells me nothing. Does that even have anything to do with me? They refuse to explain. Because they will not explain, justify, or even give just cause, I believe that my consumer rights are being violated, and I'm hoping that you may have time to review the situation, and help me find answers.
I do not believe that Goldman Sachs has any just reason to abruptly close my account, because I have always followed the Apple Card Customer Agreement and always paid on time, never late. Additionally, I was given a {$1800.00} credit line increase just two ( 2 ) days before they closed my account! It makes no sense to me as to why they would close my account like that, just 48 hours after they decided to increase my credit line?? Why? I've always been an excellent card holder, since receiving the card in XXXX of XXXX for the following reasons : 1 ) Regular Card Use : I have used the card regularly, almost daily, since I received it in XX/XX/XXXX. Furthermore, I have charged and paid ( on time ) over {$30000.00} in XXXX, so I use the card a lot.
2 ) On Time Payments : I have always paid on time, and in fact I have always paid early, and have never been charged even a XXXX of interest by Goldman Sachs. In the card app it's suggested to " pay early to avoid late fees '', which is exactly what I have done since receiving the card in XX/XX/XXXX.
3 ) My Stable XXXX XXXX : My income exceeds $ XXXX per year, and my credit score *was* around 725 when they abruptly closed my Apple Card, so my credit score is good. Therefore, I believe that I'm more than qualified to be a holder of this card, and it makes logical sense to me that I was approved to receive one.
4 ) Followed Apple Card Customer Agreement : I have always followed the Apple Card Customer Agreement, have always been an active user of the card, and have always paid on time. Isn't that exactly what I'm expected to do? Additionally, I haven't been able to find anything in the Apple Card Customer Agreement about " REGULATORY REASONS '', so how are they justified in closing my account and destroying my credit?
Therefore, Goldman Sachs must have made a very serious error and closed my account by mistake.
Here 's a timeline summary of my Apple Card experience, start to end : XX/XX/XXXX Was approved for Apple Card by Goldman Sachs, and was given a {$1500.00} limit. Received an email that card will be delivered in 4-6 days. Once I received the card, I began using it for daily purchases immediately, and making on time payments starting in XX/XX/XXXX.
XX/XX/XXXX Requested a credit line increase and my credit limit was raised to {$3500.00}.
XX/XX/XXXX Received a credit line increase and my credit limit was raised to {$5300.00}.
XX/XX/XXXX Received email : " Your XXXX statement is ready to view. '' Everything appears normal on my statement.
XX/XX/XXXX ( XXXX XXXX ) Received email stating : " Your Apple Card account has been closed as of XX/XX/XXXX and can no longer be used for purchases because : You are no longer able to make purchases with your Apple Card at this time. If you would like a record with specific reasons your account was closed, please reach out to an Apple Card Specialist within 60 days of this communication. Documentation will be provided to you within 30 days of receiving your request '' ** NO REASON GIVEN ** XX/XX/XXXX ( XXXX XXXX ) Called Apple Card support. Support representative said they didn't understand, and transferred me to a supervisor. The supervisor said the reason in her system was ACCOUNT CLOSED FOR " REGULATORY REASONS '', but didn't understand what that meant so she couldn't explain. She said that she would start an investigation and would also escalate the issue, so someone would be calling me with an explanation " within 10 days ''.
XX/XX/XXXX ( XXXX XXXX ) Called Apple Card support again, and the support agent said : ACCOUNT CLOSED FOR " REGULATORY REASONS '', but didn't understand what that means so they couldn't explain. They also said that the investigation is ongoing and that someone would call, eventually.
XX/XX/XXXX Received letter via XXXX stating : " Your Apple Card account has been closed as of XX/XX/XXXX and can no longer be used for purchases because : You are no longer able to make purchases with your Apple Card at this time. If you would like a record with specific reasons your account was closed, please reach out to an Apple Card Specialist within 60 days of this communication. Documentation will be provided to you within 30 days of receiving your request '' ** NO REASON GIVEN ** XX/XX/XXXX ( XXXX XXXX ) Called Apple Card support, and the support agent said again : ACCOUNT CLOSED FOR " REGULATORY REASONS '', but didn't understand what that means so they couldn't explain. Spoke to a supervisor, and she started another investigation and said that someone would call, eventually.
XX/XX/XXXX Received letter via XXXX stating : " Your Apple Card account has been closed because : REGULATORY REASONS '' How can Goldman Sachs close my account and destroy my credit for something they can't even explain called " REGULATORY REASONS ''?? I strongly believe that there has been a serious error within Goldman Sachs system that caused my account to be closed by mistake, possibly by computer system failure or human error. I also strongly believe that if a senior account manager at Goldman Sachs would take the time to personally review my account history and my exact situation ( this letter ), they would be able to find the problem and fix it, and would then reinstate my Apple Card. What is " REGULATORY REASONS '' and why was my account closed for this 'reason '? I believe that Goldman Sachs has made a serious error and someone needs to fix the problem, and restore my card.
|
| 01/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
Summary : Goldman Sachs Bank, through its XXXX online banking division, incorrectly set up a joint account by using the primary account holder 's name and combining it with the personal information of the secondary account holder, creating an individual account with account holder information that could not be properly verified because it did not match. Had XXXX followed proper customer due diligence procedures, this error should have come to light at account opening or shortly thereafter. But this error only became apparent XXXX months after the account was established, when what should have been a relatively routine verification of a XXXX transfer from the account resulted in the blocking of the customer 's account for XXXX weeks, despite promises to investigate and resolve the matter in XXXX to XXXX business days. Considerable effort and many hours of phone time were necessary to deal with the largely callous and difficult XXXX bureaucracy to get the account block removed. Further incompetence in basic banking functions rendered XXXX helpless in resolving the basic matter of properly titling the account, an issue that remains unresolved.
Details : XXXX. I and my wife opened a joint savings account with XXXX on XX/XX/2022.
XXXX. The account was funded not less than XXXX times since the account was opened, and all deposits were handled without incident.
XXXX. All seemed to be fine until my wife attempted to process a XXXX transfer out of our XXXX account to our joint checking account at XXXX Bank. We initially received confirmation that the transfer had been processed, but this was later reversed and our account was arbitrarily restricted from all activity. We could not even view our account online.
XXXX. Our first indication of a problem were calls to my cell phone and emails sent to me asked that I contact XXXX, which my wife initially did. Representatives at XXXX essentially refused to discuss the matter with my wife, despite the fact that she was inquiring about an account that she believed to be an account in joint ownership.
XXXX. When I called XXXX on XX/XX/XXXX, I was able provide answers to all of their questions, but despite several attempts they were unable to confirm my identity. Finally, after providing identifying information numerous times to several individuals such as the last XXXX digits of my SSN, XXXX, and XXXX security XXXX, I was able to speak to someone in the Fraud area. Here, after questioning the Fraud representative, I was able to learn that the XXXX withdrawal had raised concerns, which only mounted when my wife and I tried to identify and authenticate ourselves. I also learned that the account had been set up improperly, with my name as the sole owner, BUT WITH MY WIFE 'S INFORMATION SUCH AS XXXX AND XXXX LISTED AS MY INFORMATION. This explained the inability for XXXX to verify my identity when I called them.
XXXX. At this point, with my wife on the call with me, we addressed every question asked by the Fraud employee, explaining that we had opened the account jointly with both of us sitting at the computer and verifying the input. We were emphatic that this was an error on the part of XXXX and not us. Despite all of this, and the admission by the Fraud employee that the account had not been opened properly, we could not get XXXX to remove the block from the account nor would they take any steps to correct the account titling issue.
XXXX. Rather, we were told that an investigation would need to be conducted and that we would be called back in XXXX to XXXX business days.
XXXX. Despite the promised follow-up, we never received any contact from XXXX. Instead, we called them ourselves on XX/XX/XXXX, but failed to get a live human being on the phone. The phone system repeatedly forces the caller to press XXXX to remain on the call or XXXX to receive a call back. On the surface, this is a cleverly disguised way to force callers out of the telephone queue through frustration, setting them up for a return call that will likely never be received. Despite waiting far too long for our call to be answered, the option of asking for a call back seemed ludicrous given that they failed to call us back in the first place. We finally gave up, assuming that we would be unsuccessful getting any kind of resolution on the Friday before XXXX anyway.
XXXX. Receiving no communication from XXXX, we again attempted to resolve the issue on XX/XX/XXXX. On this attempt, we were at least successful in getting the block removed from our account, essentially XXXX weeks after it was put in place. This happened only because of our persistence and our good fortune in getting an account representative who was willing to help by working between what she called the " backroom '' and the XXXX area. But when we asked her to help get the account titling issue resolved by adding my wife 's name to the account, she ran into problems because the XXXX new account system could not successfully deliver a confirming email to my wife 's XXXX email account ; a real mystery because she has been able to receive other emails from XXXX. Finally we were told that the confirming email would be received by day 's end, but regardless of receipt of the email my wife would need to speak with an account representative again to fully get her part of the joint account set up. THE PROMISED EMAIL WAS NEVER RECEIVED. The duration of the telephone call to XXXX was XXXX hours and XXXX minutes.
XXXX. On the following day, the account XXXX that had helped us the prior day called explaining that she was unable to get my wife 's name added to the account and she would call back later. When she finally did call, along with her supervisor, my wife was told there was a technical problem on the part of XXXX and it would have to be escalated to technical support. My wife was told that she should be contacted in XXXX to XXXX business days. The time spent on the phone for this interaction was nearly another hour.
XXXX. XXXX did call again on Tuesday, XX/XX/XXXX, suggesting that my wife file an application for a new account. Doing so would have represented the XXXX such action and she declined and said we would most likely just close the account. After thinking more about it, she called XXXX back and asked to speak with a supervisor. The supervisor did try to help and worked with her to input the new account, but left the phone on numerous times, placing her of hold ( this is something that we experience repeatedly with XXXX reps ). While on hold, the call terminated abruptly. Knowing that she would have to run the XXXX of the XXXX automated telephone system to try to get back to the supervisor - a daunting task at best, she decided to wait for a call back from the supervisor. No one ever called back and this was the last contact we had with XXXX.
XXXX. At this time, the account remains open as an individual account in my name. It will most likely be closed and the funds moved to a bank that is competent and responsive to its customers.
|
| 07/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
To Whom it May Concern : I applied and was approved for a loan in the amount of {$8500.00} from XXXX by Goldman on XXXX XXXX , 2017. I made the first three payments in the amount of {$480.00} each on XXXX XXXX , XXXX XXXX and XXXX XXXX respectively. On XXXX XXXX , I logged into my XXXX by Goldman account to change my payment due date since I wasnt going to be able to make the XXXX XXXX payment on time due to the fact that I had paid for my mothers XXXX XXXX necessary to treat a XXXX XXXX XXXX XXXX called XXXX XXXX . I was allowed to do so on the XXXX by Goldman website which is an option that companies often have on their websites.
After I changed the due date from XXXX XXXX to XXXX XXXX , I noticed that I now had two payments due every month instead of the contractually agreed upon one monthly payment. I called XXXX by Goldman and they stated that their system shouldnt have allowed me to move my payment back to XXXX XXXX even though there is an online option to do so, since XXXX XXXX was less than 15 days from my due date of XXXX XXXX . They admitted that it was a flaw in their system, so I asked them if they could manually fix the issue or even just erase the XXXX XXXX payment date and keep my original due date of XXXX XXXX . They stated that this was impossible and that I would have to make two payments in XXXX at which point they could move the next months payment back from its due date of XXXX XXXX to XXXX XXXX .
I pointed out that I could not do this since I was already going to be late ( but not 30 days late ) with XXXX payment when there was only one, not two, payments to make. They responded that there was no other way to fix it. I was eventually able to make the XXXX XXXX payment on XXXX XXXX ( again, not 30 days late ). At this time my next due date should have been XXXX XXXX , instead they said that I now owed {$970.00} for the payment on XXXX XXXX ( which I should not have had to make ) and the {$480.00} contractually agreed upon XXXX XXXX payment. At that time I was able to pay XXXX XXXX payment, but now they said that I had to pay the entire {$970.00} which I could not due and which, again, was not part of the loan agreement. On XXXX XXXX , they sent me an email stating that I was 31 days past due and in default of the loan agreement which is in violation of our contract. It is also important to note that the online system removed my ability to any online payments as well. Its as if they didnt want me to pay so that they could put me into default. I was in fact only 16 days last and was not being allowed to just make the contractually agreed upon {$480.00} payment which I had tried to make several times since XXXX XXXX . This was very upsetting since I have never made a 30 day late payment in my 21 years of maintaining my credit report.
At this point they began calling my phone numerous times a day. I answered the first five phone calls and explained the issue their system had created, but they were now stating that I owed {$1400.00} plus late fees by XXXX XXXX or I was 90 days past due ( that would actually be 48 days past due ) and had sent my account to their collections team who became very nasty, abusive and abrasive over the phone. They did not care, nor believe that this was XXXX by Goldmans fault. In summary, I find it hard to believe that I am the only XXXX by Goldman client who is having their credit ruined and being fraudulently having their account put into default by this issue. I also do not understand why they continue to allow this flaw in their online website to continue unless they are purposely doing so and trying to take advance of their customers in a fraudulent manner. Furthermore, I find it suspicious that I can no longer access my loan agreement online and that no documents were ever emailed to me when I obtained the loan. I am highly versed on this topic since I have a XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as well as the Truth in Lending Acts ( TILA ) Regulation Z ( 12 CFR Part 226 ). Lastly, I have included the body of several emails as well as the original loan agreement from XXXX by Goldman which confirm my above statements.
Thank You for Your Time and Consideration, XXXX XXXX XXXX . XXXX Dear XXXX , You have successfully changed the payment due date for your loan from XXXX by Goldman Sachs, account XXXX . Before your new due date takes effect, you still have a monthly payment due by your previous due date, XXXX XXXX , 2017. After XXXX XXXX , 2017, your payments will be due on the XXXX of each month, starting XXXX XXXX , 2017.
Because you have enrolled in AutoPay, all payments will be automatically applied on your due date. This means that you don? t need to worry about remembering to schedule manual payments. However, please review the important information below so you? re familiar with the changes to your loan.
Important Autopay Details : Goldman Sachs Bank USA will withdraw your monthly amount due ( currently {$480.00} ) less any applicable payments ( or credits ) on or after XXXX XXXX , 2017. After XXXX XXXX , 2017, this amount will be withdrawn on or after the XXXX of each month beginning on XXXX XXXX , 2017. These payments will be made from your bank account ending in XXXX .
If your payment date is on the XXXX , XXXX , or XXXX , and a given month does not have that many days, your payment will be due on the last day of the month, and will be withdrawn on or after that date. We will send you a notification each month at least 10 days prior to the date of your next scheduled payment letting you know the amount we will withdraw from your deposit account and the date on or following which we will make the withdrawal. If you would like to cancel AutoPay, please call us toll-free at XXXX ( XXXX ) or write to us at : Attn : EFT Payments XXXX by Goldman Sachs XXXX XXXX XXXX XXXX XXXX XXXX , Utah XXXX THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Dear XXXX , As of XXXX XXXX , 2017, your loan from XXXX by Goldman Sachs ( number XXXX ) is 46 days past due and has an overdue balance of {$960.00}. Your loan is now in default under the terms of your loan agreement with Goldman Sachs Bank USA.
Please pay the overdue balance promptly to cure this default. If you have n't done so already, please make a payment online at XXXX or by calling us toll-free at XXXX ( XXXX ). We want to help you get back on track with your loan.
To make a payment by mail, send a check with your loan number in the memo to : XXXX by Goldman Sachs XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Thank you, XXXX by Goldman Sachs
|
| 09/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX Complaint - Release of Funds from Marcus Goldman Savings Account Dear , CFPB I am writing to seek your assistance in resolving an issue concerning my Marcus Goldman Sachs Savings Account . Goldman Sachs has been withholding my funds, which are held in a savings account. My name is XXXX XXXX, and for the past 24 days, starting on XX/XX/, I have been diligently attempting to address this matter through numerous phone calls and the submission of documentation to Goldman Sachs. Unfortunately, my funds have remained frozen and inaccessible during this time and this has caused much undue stress as a single mother, small business owner who makes a living based on commission, and as a full-time XXXX XXXX
To provide further context, I am unable to access my Marcus Goldman Savings Account. Not only can I not transfer or obtain my own funds, but I can not check my account number, balance, transaction history, or anything related to it. When I attempt to log in, I am met with a notification indicating that my account has been locked and that I should contact the institution for resolution.
Upon contacting Marcus Goldman, I was informed that their verification process necessitates an outbound call to the transferring bank and in this case its XXXX XXXX XXXX XXXX, where I had requested my funds to be transferred. However, XXXX XXXX XXXX XXXX, like many other financial institutions, has a policy against disclosing confidential information during inbound calls.
It's worth noting that Marcus Goldman 's policies regarding their verification process is the same as XXXX, where they do not allow inbound calls and will not provide confidential information to another external banking institution by phone. Although, this is part of their current standard practices.
Since XX/XX/XXXX, and after the representative breached their confidentiality agreement and provided me with my secret password- I have repeatedly requested that Marcus Goldman promptly close my account, but they have failed to do so. During one phone call with a Goldman representative, I was informed that Marcus Goldman would close my account due to alleged fraudulent activity, with my funds returning to the original account. However, another call contradicted this statement, with Marcus Goldman explaining that they were not closing my account.
Subsequently, I was advised to send my XXXX XXXX XXXX XXXX account statements to Marcus Goldman by mail as part of the verification process. The representative explained the verification process would take at least 10 days and if this was an accurate statement Goldman Sachs should have released my funds by XX/XX/. A representative did confirm receipt of both my final notice and account statements, and she explained they were received on XX/XX/. After receipt of the final notice and account statement Marcus failed to call me to resolve the issue until I called them on XX/XX/, where she explained they did in fact receive the documents.
In my efforts to resolve this issue, I have contacted Goldman Sachs customer service on numerous occasions, providing detailed records of each call : - XX/XX/XXXX at XXXX XXXX ( Duration : 14 minutes ) - XX/XX/XXXX at XXXX XXXX ( Duration : 29 minutes ) - XX/XX/ at XXXX XXXX ( Duration : 24 minutes ) - XX/XX/XXXX at XXXX XXXX ( Duration : 18 minutes ) - XX/XX/XXXX at XXXX XXXX ( Duration : 23 minutes ) - XX/XX/XXXX at XXXX XXXX ( Duration : 39 minutes ) - XX/XX/XXXX at XXXX XXXX ( Duration : 14 minutes ) - XX/XX/XXXX at XXXX XXXX ( Duration : 15 minutes ) - XX/XX/XXXX at XXXX XXXX ( Duration : 12 minutes ) - XX/XX/XXXX at XXXX XXXX ( Duration : 13 minutes ) - XX/XX/XXXX at XXXX XXXX ( Duration : 11 minutes ) - XX/XX/ at XXXX XXXX ( Duration : 26 minutes ) - XX/XX/XXXX at XXXX XXXX ( Duration : 2 minutes ) - XX/XX/XXXX at XXXX XXXX ( Duration : 14 minutes ) - XX/XX/XXXX at XXXX XXXX ( Duration : 43 minutes ) Despite my persistent efforts to resolve this issue, my funds remain unreleased for 24 days since my initial request on XX/XX/.
On XX/XX/, I visited the XXXX XXXX XXXX XXXX in person as Marcus Goldman explained they needed to speak with my banking institution to transfer the funds. I called Marcus Goldman, placed the call on speaker phone as I sat with XXXX XXXX, the Vice President of XXXX XXXX, at XXXX XXXX XXXX XXXX, while speaking with Goldman Sachs. During this call, both XXXX and I were surprised by the comments made by the Goldman Sachs representative and the uncertainty regarding the release of my funds, as there was no apparent reason for their continued withholding. Additionally, Marcus Goldman made statements around their contradictory verification process, and policies during this time. While on the phone, I also explained that the first time I spoke with a representative they had breached their confidentiality agreement by disclosing my secret password over the phone after I had provided an incorrect one.
In response to this ongoing situation and the resultant overdraft fee I incurred at my personal bank due to Goldman declining the transfer of my funds, I sent a formal notice to Goldman Sachs on XX/XX/, urgently requesting the release of my funds. Alongside this notice, I included bank account statements from my XXXX XXXX XXXX XXXX account, which unequivocally confirm my ownership of the account and its non-business nature. Regrettably, my funds have yet to be released. XXXX at XXXX did say that we could discuss the overdraft fees once the issue relating to Goldman Sachs was resolved as she quickly understood that it was no fault of my own.
During a recorded conversation with a Goldman Sachs representative, I was informed that it would take approximately 10 business days to address and rectify these concerns for the release of funds. In accordance with this information, I allowed a total of 14 business days from the date of that letter for the initiation of the transfer, which equates to XX/XX/.
However, as of the date of this letter, my funds remain unreleased, causing not only financial hardship but also significant stress and inconvenience. This situation has placed an undue burden on me and my children, as I am a full-time mother, business owner, and XXXX.
In one of the many phone calls to Marcus Goldman I did request transcripts of each phone call and they have failed to provide these as of XX/XX/. I am currently and actively trying to seek legal counsel on this matter, and I am writing to you urgently asking if you can help in anyway? My house payment is due on XX/XX/, and the unavailability of my funds in my Marcus Goldman account will undoubtedly lead to further stress in the near future. Any assistance or guidance you can provide would be greatly appreciated.
Sincerely, XXXX XXXX
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| 04/08/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
Older American |
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XXXX XXXX, MD # XXXX XXXX XXXX, XXXX, MA. XXXX Cell # XXXX ( XXXX ) XXXX To : Senator XXXX XXXX Re : Apple Fraudulent activity Reference : XXXX credit bureau, Matter of : Dispute of the fraudulent report of a {$62.00} cash back as a late payment charge posted by Apple on XXXX XXXX resulting in drop of 72 point off of my credit score.
XXXX Report Number : XXXX Account Number : XXXX Company : APPLE CARD/GS BANK USA XX/XX/XXXX Dear XXXX XXXX ; I am writing this to report fraudulent activity by Apple over financial abuse of the public. I am sure Apple has been victimizing thousands of individuals through this XXXX XXXX like activity.
In XX/XX/XXXX : I purchased an Apple laptop and returned it in XX/XX/XXXX. The terms of the purchase was to apply for an Apple credit card and use the apple card for 0 % APR, they were encouraging use of the Apple credit card for general use as well, as they were offering a handsome cash back deal on general purchases.
As mentioned above, I had bought but returned the laptop within the grace period they had determined and Apple credited back the cost of the laptop. But later in XX/XX/XXXX : Apple granted {$62.00} Cash Back for the original purchase, which I was not informed. I did not do any activity on Apple credit card.
In XX/XX/XXXX, without any pre warning : Apple converted the $ ( XXXX ) cash back credit to {$62.00} Debit ; ( Not even to Zero, which in that case it would have meant they had taken their money back ). But Apple instead, by the conversion of credit to debit without my consent of the consumer, in fact they charged me 200 % APR on that {$62.00}. I did not become aware of any such activities, either. They say ; it shouldve shown on the App called XXXX, on my phone, but I had not set up the App, nor downloading the App was never part of the deal, either.
When in XX/XX/XXXX, I finally became aware of such activity through a random checking of my overall credit score through the credit bureau ; XXXX, I called Apple and found out what they had done. I asked the Apple agent ; Apple had given me credit so why they just did not take it away?
Their representative replied : Because it is not legal for us to take back the cash back. We need the consent of the customer. But instead, Apple committed fraud and turned my credit to debit which it means in direct violation of their original contract, instead of 0 % APR on the Apple card, in fact they charged me % 200 APR on the {$62.00} cash credit.
Moreover, In XXXX XXXX : Apple by not receiving any payment for their fraudulent {$62.00}, they reported me to XXXX and all other credit agencies as a 30 days late payment. By doing such a late payment report, my credit score dropped to a lower category by drop of 72 points.
I asked Apple why they did not let me know of the balance, that they were demanding? They said they have sent emails ( which had been going to Spam ), their representative said it is their policy and regulation that they have to call me to inform me of such a balance, but she apologized because APPLE DID NOT CALL ME AND THEY HAD VIOLATED THEIR OWN PROTOCOL! Moreover, Apple never got my consent about not to send me any statement, either.
Apple failed to send me any statement, which is a routine action expected from any credit card company!
Therefore, As result of Apples failure informing me, ( I was not aware of any monetary claim by Apple ) against me, I suffered major loss of credit score which created a domino effect on my mortgage acquisition or any other borrowing power.
In XX/XX/XXXX : I found out through XXXX about a problem with my credit report which in fact it turned out to be that it was the first time I had become aware of any such a late payment claim by Apple.
I called Apple and they said ; in order to solve the problem and to preventing the problem getting worse, all they needed, was my consent to get their {$62.00} back which by then it had turned to {$62.00} ( with the interest accrued ).
Obviously, in that telephone conversation of XX/XX/XXXX with Apple, I consented to wipe out their original cash back credit of {$62.00}, as well as, I asked them to waive the {$0.00} of interest they had charged me.
But in addition to the fact that I disputed the Apples original claim of being late for payment that ( I had not been aware ) for XX/XX/XXXX. But also, this fraudulent activity by Apple to circumvent the law that they can not take back the cash back they had already honored before.
But in this way they have created a sham situation which through such a loophole they compel their consumer into returning the cashback credit they had falsely advertised and offered, in the first place.
Subsequently, I disputed Apples claim of late payment with the credit bureau as well as I filed a dispute with Apple and request the 72 point credit score I lost to be recredited to my credit score, but I have got nowhere with Apple. When I called them again, each time after so much wait and jumping over so many hoops, they kept telling me : I no longer owe them the $ XXXX but their agent and their supervisors keep playing dumb about my demand to contact the credit bureau and remedy their destructive act. They kept promising to write me and or call me back to inform me of the result of their corrective action, but nothing has happened, despite months of wait.
I have rerun this scenario with them at least 3 times by calling them within several weeks intervals, but I am still waiting for Apple to call or report their false action to the credit bureau to remedy my credit score.
So, I am asking for your help and protection through requesting you, for a full investigation in Apples fraudulent activity of converting cash back credit to debit, as their agent told me in clear words that : it is illegal for them just to take back the cash credit they have already honored, they can only do it with the consent of the customer!!! I would also like to see Apple to be investigated for false advertisement, by promising a cash back and % 0 APR on Apple credit card but in action they charge % 200 interest rate by converting the cash back credit into a debit.
Moreover, by not sending statement to their customer and violating their own protocol by not calling to inform their customer of their intention to charge the customer for the cash back they have honored, already, they turn their customers status into a bad credit status.
Followingly, they begin to take punitive action on the consumer, such as reporting the customer to the credit bureau as well as creating a situation for Apple to charge the customer % 200 without anybody asking any question. Apple is abusing their big corporate power and privilege against the little guy in the society, to enrich themselves at the expense of ruining the little guys credit score.
Sincerely, XXXX XXXX, XXXX
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| 07/25/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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I, XXXX XXXX XXXX XXXX, the federally protected consumer contacted Marcus by Goldman Sachs ( Goldman Sachs Bank ) after receiving a court subpoena from law firm/debt collector XXXX XXXX XXXX XXXX XXXX. pertaining to an alleged debt, supposedly owed to Goldman Sachs Bank.
The facts are as stated, I called Marcus by Goldman Sachs on XX/XX/XXXX at XXXX ( phone number ) the entire length of the phone call was XXXX minutes, XXXX seconds in duration and this was due to the time it took to reach the lending department of Marcus by Goldman Sachs. I spoke with lending department representative ( XXXX XXXX ) XXXX whom told me on the recorded call by XXXX by Goldman Sachs that the account ending in XXXX was a charge-off ( canceled debt ), so I asked why did I not receive the IRS form 1099c pertaining to that account being a charge-off/canceled debt required to be sent per the IRS so that I can file it with my tax returns. I was then told that XXXX by Goldman Sachs representative of the lending department that they did not have that form to send to me. My next question was ; Is there a repurchase agreement for the charge-off/canceled debt due to the fact that this law firm/debt collector titled XXXX XXXX XXXX, XXXX. has mailed me court documents alleging the debt owed to Marcus by Goldman Sachs whom they are representing, This was explained by me, the consumer, to the lending department representative who then replied with Goldman Sachs DOES NOT OWN THE ACCOUNT ENDING IN XXXX, the account ending in XXXX was placed with XXXX XXXX XXXX, XXXX. which is Identity Theft and Fraud. I never gave anyone verbal nor written approval, nor did I give anyone authorization for any of my personal information attached to any consumer credit transaction for the alleged account to be placed, given, transferred, sold, or assigned to XXXX XXXX XXXX. XXXX. I even asked the XXXX by Goldman Sachs ; What does " placed '' mean, legally and if she could explain the legal definition of the term.
Not only have I received fraudulent court documentation obviously obtained due to Identity Theft, because I never physically signed any documentation where a consumer credit transaction for a loan with XXXX XXXX XXXX, XXXX. with a wet ink signature on it, signed by me, the consumer, XXXX XXXX XXXX XXXX. This is not only Identity Theft/Fraud, this is also Mail Fraud by using the United States Postal Service ( USPS ) and a USPS mail fraud report was submitted as well with United States Postal Inspector ( also suggested to do so by Financial Crimes division police detectives ) since personal and financial information was obtained by this law firm, XXXX XXXX XXXX XXXX XXXX. acting as a debt collector, which also is a violation of the FDCPA which states that a debt collector can not be a law firm and a debt collector ; it has to be either/or but can not be both.
This also brings up the IRS Publication XXXX for canceled debts. Once the debt has become a charge-off, it's now considered income. Which means that debtor is now reporting inaccurate because you can not report income on a consumer credit report. As soon as it is a charge-off the consumer is suppose to receive IRS form 1099c to file on their taxes. I never received any 1099c forms from XXXX by Goldman Sachs ( Goldman Sachs Bank ), nor have I received any 1099c forms from the following entities whom both furnished charge-off data to the three credit reporting agencies ( XXXX, XXXX, XXXX ). I did speak to IRS representatives in regard to IRS Publication XXXX pertaining to the steps that companies are suppose to take when a canceled debt/charge-off occurs, and what was stated previously is what was told to me by IRS representatives. The other two entities that have canceled debt/charge-off accounts which are reporting inaccurately on the three consumer credit reports and I've yet to receive the required 1099c form from are as follows ; XXXX XXXX and XXXX XXXX XXXX.
Also, recently a court subpoena was mailed by XXXX XXXX XXXX, XXXX. demanding personal bank records for the alleged account ending in XXXX from XXXX XXXX, while I objected by notarized affidavit filed with court and mailed to XXXX XXXX XXXX, XXXX. with this demand due to the strict fact that it violates my federally protected rights via FDCPA as a consumer ; XXXX XXXX XXXX XXXX implicated themselves in this Identity Theft/Fraud being committed by XXXX XXXX XXXX XXXX XXXX. by sending my personal bank records without my verbal consent, without my written consent and never communication with me via phone call nor mail in regards to this demand for my personal bank records which again violates my federal consumer rights outlined by Congress.
Once the alleged loan goes into default and is assigned to a debt collector, the effective law changes. The FDCPA is now the law under which action is governed. Once under the conditions of the FDCPA, debt collectors have no legal right to ply the legal remedies owed only to creditors who make loans ( which no bank/financial institutions can lawfully/legally loan money since XXXX ), including notices of default, assignments to servicers, substitutions of trustees, etc. Elements of the FDCPA are very simple and straightforward at setting rules for debt collectors.
1. Consumer is defined in 15 USC 1692 ( a ) ( 3 ) 2. Creditor is defined in 15 USC 1692 ( a ) ( 4 ) - someone who extends credit creating a debt, and does NOT include anyone who receives a debt in default by assignment or transfer for the purpose of collecting on the debt for another ( namely, third party debt collectors, servicers, attorneys ) 3. Debt is defined in 15 USC 1692 ( a ) ( 5 ) - money owed by a consumer of persoanl goods 4. Debt collector is defined in 15 USC 1692 ( a ) ( 6 ) - includes a creditor trying to collect a debt under another name.
5. Legal actions by debt collectors is defined in 15 USC 1692 ( i ).
Lastly, the fact is all charge-offs are sold to a securitized trust ( FAS 140 ) and what remains on the transaction is a empty account. For a creditor to have any legal standing they must repurchase the debt. When companies state they DO NOT OWN THE ACCOUNT as I was told by the lending department representative for Marcus by Goldman Sachs whom also could not answer my question of ; does Marcus by Goldman Sachs participate in the Truth in Lending Act, the response was she'd never heard of it, I didn't ask any further questions. They can not collect on what they do not own and still proceed to collect on it, let alone illegally place an account with a third party to attempt to collect via Identity Theft/Fraud and Mail Fraud while utilizing the court systems to do so which is misleading. A FTC Identity Theft Complaint and Affidavit has been attached and notarized and USPS Report number for Mail Fraud is visible as well on the report attached.
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| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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On XXXX I had sent a dispute letter to GSBANK in regard to a charged off / canceled debt account and I have yet to receive a response from this company. GSBANK is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. The Fair Credit Reporting Act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( GSBANK ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( GSBANK ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. GSBANK can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website for further evidence. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from GSBANK for the cancelled debt of { {$3300.00} } in order to file as ordinary income. Where is my 1099-C GSBANK is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. Because of this I will report your agency to the IRS for tax fraud via the Form 3949-A form. GSBANK has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In GSBANK terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX is not an affiliate of GSBANK nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If this company truly believe otherwise then I demand that they prove to me and the cfpb that XXXX, XXXX, and XXXX are " Bureaus '' as federal law describes it. I have a right to privacy and Per the Privacy Act of XXXX as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
GSBANK must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. XXXX Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
|
| 02/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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On XX/XX/2022, I purchased a set of XXXX XXXX and 3rd Generation XXXX from an in-store location in XXXX XXXX ( see receipt no. XXXX ). During my transaction, I could not check out with the monthly installment option that was initially requested. The manager assisting me suggested that I purchase the items outright and call the apple card support line to have the transaction converted. I did just so through the apple support chat after the transaction cleared on XX/XX/XXXX. However, the installment plan or balance was not reflected in my wallet app where my previous installments were stored despite seeing the outstanding balance adjustment.
Concerned that something had gone wrong, I contacted the apple support line again on XX/XX/XXXX and the agent assisting me suggested going back to the store to return the items and re-purchase them under an installment plan. I returned to the store and explained my situation to the check-in person who then directed me to someone who could help. The agent who assisted me was very kind and understanding in my dilemma and processed the refund and re-purchase quickly and efficiently ( see : receipt no. XXXX ).
As soon as the transaction was complete, the installments instantly showed up in my app where they were supposed to be but my installment balance had increased to {$1300.00} whereas I expected the balance to be {$700.00} ( XXXX + XXXX ) according to my calculations including the previous installment plan outstanding on my account. As I noted all the transactions were still pending, I decided to wait to see if the balance would correct itself when the transactions cleared. When reviewing my XXXX statement, I noticed the XXXX credit had decreased by {$160.00} instead of the {$97.00} my installment plans had equaled out to ( XXXX XXXX : {$19.00}, XXXX XXXX : {$41.00}, XXXX XXXX XXXX : {$28.00}, Apple XXXX for XXXX : {$7.00} ) for the month.
I reached out again to an apple card support agent on XX/XX/XXXX through XXXX inquiring about the deduction of the credit. I spoke with XXXX who explained to me that the reason the Apple Card Monthly Installment is still active is because the device was purchased in full and Goldman Sachs manually put the device on installments. Unfortunately, Apple would not have been able to refund it as an installment since it was purchased in full. The installment will remain active because Apple did refund the full amount of the XXXX in the amount of {$440.00} on XX/XX/2022 ; which, to me, sounds suspiciously like being required to pay for the same installment plan twice. When I expressed this and questioned why the refund credit that I received could not be applied to the installment plan it was for, I was not given a definitive answer but received an offer to have my incident escalated ( ref : XXXX ) to the technical team with the hopes of correcting it. I received a phone call from the technical team who stated that there was nothing they could do on their end to close the installment plan but I should speak with Apple, preferably in store to see if they were willing to offer a credit correction to have it removed.
With this advice in mind, I made a XXXX XXXX appointment to speak with a supervisor at my local store at XXXX XXXX in XXXX , DC. The supervisor there stated that there was nothing to correct as you already received the refund and we have no record of a payment plan although I showed them my bill multiple times and explained that although there was a credit, the amount being deducted was incorrect. The supervisor insisted that my problem wasnt with Apple but Goldman Sachs. Extremely frustrated with such a tedious process, I contacted Apple Card support again by phone and was bounced back and forth multiple times from agent to agent who insisted my issue was with not one office, but another to which I finally requested to speak with a supervisor to attempt to get an actual answer to my issue. After speaking with the supervisor ( I believe his name was XXXX? ) who, while very kind, explained to me that he could not explain the math to me but firmly insisted that although the installment plan was still reflected on my account, it would fall off once the credit on my account was used.
On XX/XX/XXXX, I noticed again that with the last of the credit deducted from my account, the balance outstanding did not coincide with the cost of the current installment plans. I promptly contacted apple support to attempt once again to sort this out. Again, a Goldman Sachs agent stated I should speak with an apple care specialist, not apple card. Put on hold again, I finally spoke with a very kind young woman by the name of XXXX, who was very efficient in investigating my claim. In the end, she and I both agreed that I should have been speaking with Goldman Sachs all along. After connecting me with the right department, I was EXTREMELY grateful to hear her request my permission to remain on the line to help where she could and see this claim to the end. The Goldman Sachs agent we dealt with was also very kind and detailed in her research into this claim. After about 10 minutes of being on hold, she came back to the phone and agreed that I had an outstanding installment plan that I should not have been paying for. However, because the refund was not processed correctly and applied to close the installment plan, it would remain open until the balance was paid because the credit was no longer on my account. To be sure I understood her correctly, I re-capped all that she had told me to which I calmly expressed that while I was not frustrated with her directly, I was indeed frustrated with how this entire situation was handled up until I spoke to her and XXXX and asked that she voice my complaint to a superior because I should not have been held liable for mistakes made on their part despite my attempts to have it corrected. With that, I told her I wanted to pay the balance in full so that my account was clear.
I was fully content to let the matter drop as long as the rogue installment plan was closeduntil I received a phone call XX/XX/XXXX from an Apple Card supervisor who wanted to follow up about my complaint. She was incredibly dismissive and proceeded to talk over me as I attempted to detail to her my entire situation then kept insisting that I should look at my current statement to see that I do not have an outstanding installment plan to which I repeatedly attempted to explain that I just paid the balance in full over the weekend. Again, she insisted that she could send me a copy of my statement to which I stated that I no longer required her assistance and terminated the phone call.
|
| 07/01/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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|
Web |
Older American |
|
For 3 months and counting, Goldman Sachs ( GS ) has denied me, an XXXXXXXX XXXX living on a fixed income, access to my Marcus Online Savings Account ( OSA ). This is my second CFPB complaint regarding this issue.
Each time I contact GS they tell me there's something else I need to do to resolve this issue, an issue which GS has never explained to me. Here 's a summary of the rabbit holes GS has sent me down over the past 3 months : XXXX XXXX XXXX GS told me that if I confirm my personal identity information ( PII ) with their identity verification team, they would unlock my OSA. After providing my PII, my OSA remained locked.
XXXX XXXX XXXXXX/XX/XXXX GS told me that if I get on a conference call with GS and XXXX XXXX, they would transfer my OSA balance to XXXX XXXX. After completing the call, GS unlocked my OSA, initiated the transfer to XXXX XXXX, relocked my OSA and recalled/reversed the transfer.
XXXX XXXX XXXX GS told me that if I submit an Affidavit of Identity ( AOI ) they would unlock my OSA. After receiving the AOI, GS unlocked my account only to relock it XXXX minutes later.
XXXX XXXX XXXX GS told me that if I have the banks that funded my OSA recall/reverse the ACH the funding transfers that I would get my OSA money back, minus the OSA earned interest. I met with my XXXX XXXX and XXXXXXXX XXXX managers who told me it was impossible for them to recall/reverse an ACH that was initiated by GS.
Question 1 : Why was my OSA locked upon transferring money to an external bank account that I had successfully transferred OSA funds to?
Question 2 : Why hasn't GS mailed a check for my OSA account balance to the address associated to my OSA and verified in the GS requested AOI?
The following details what's happened since submitting my first CFPB complaint ( Complaint ID XXXX ) on XX/XX/XXXX along with some associated questions for GS.
In GS 's response to my XX/XX/XXXX complaint, GS stated that they were waiting for me to submit an Affidavit of Identity ( AOI ). I mailed the AOI to GS on XXXX using next-day shipping. After hearing nothing from GS for over two weeks and still not having access to my OSA, I called them on XX/XX/XXXX for a status. GS told me they'd received my AOI, that it looked good, and that they would unlock my OSA while I was on the call which they did- I verified it was unlocked using the OSA app. I immediately requested GS to close my OSA and mail me a check for the account balance but was told by GS XXXX XXXX that the account had been relocked, was under investigation and that I would get an email explaining the results of the investigation in 1-3 days.
Question 3 : Why was my account unlocked on XX/XX/XXXX then relocked on XX/XX/XXXX after GS received the AOI they requested?
After waiting a week without receiving an investigation results email and still not having access to my OSA, I called GS on XX/XX/XXXX and was told the investigation hadn't started. I immediately asked to talk to a GS supervisor but was told I had to submit a request to do so. I submitted a request and was told I would get a call from a supervisor on XX/XX/XXXX or XX/XX/XXXX. My son, who has my Power of Attorney, received a call from a supervisor on XX/XX/XXXX. However, I was unavailable to talk at that time and the supervisor refused to reschedule the call ( e.g., call later in the day ) per my son 's request.
Question 4 : Why did I never receive an investigation results email from GS in 1-3 days as promised?
Question 5 : Why to this day have I never received an investigation results email from GS?
After hearing nothing from GS and still not having access to my OSA, I called GS on 6/2 for a status and was told by GS XXXX XXXX that my OSA had been CLOSED and that I would get an OSA closure letter in the mail in XXXX business days documenting the following : * Date OSA was closed * Reason OSA was closed * Current OSA balance * How to get my money, including interest, out of the closed OSA XXXX did tell me that I would need to have the banks that funded my OSA recall/reverse the ACH fund transfers. Shortly after this call, I received an email from GS stating that my account was closed. However, the email did not contain any of the bulleted information bulleted above.
After waiting almost three weeks and not receiving an OSA closure letter, I received a copy of my XXXX, XXXX and XX/XX/XXXX OSA statements in the mail and a letter stating that the account was open! However, when I tried to access the account using the OSA app, I got the familiar " OSA Temporarily Locked '' message.
Question 6 : Why did I never receive an account closure letter from GS in 7-10 business days as promised?
Question 7 : Why to this day have I never received an account closure letter from GS?
Question 8 : What is the status of my OSA? XXXX XXXX stated on XXXX that it was closed, the GS email I received on XXXX stated that it was closed, the GS letter I received on XX/XX/XXXX with the XXXX, XXXX and XXXX OSA statements stated that my OSA was open and the OSA app states today that it is temporarily locked.
On XX/XX/XXXX I went to the XXXX banks ( XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX ) that funded my OSA and asked them to recall/reverse their respective ACH fund transfers as instructed by GS. Both the XXXX and XXXXXXXX XXXX mangers told me it's impossible for them to do that since GS, not their banks, initiated these ACH fund transfers. They said that GS has to mail me a check for my OSA balance.
Question 9 : Why did GS instruct me to have my banks do something that's impossible?
A few weeks ago, a representative from Virginia 's Fairfax County Department of Family Services Office came to my house regarding my son helping me get access to my OSA. As my son and I have mentioned to GS, he has my financial Power of Attorney. On top of that, my son has never talked to any GS representative regarding my account without me first explicitly telling the GS representative that he has my permission to do so. GS contacting this organization is harassment. I should be the one contacting this organization to file a complaint regarding GS denying me access to my OSA for over 3 months.
Question 10 : On what grounds did GS contact the Fairfax County Office of Adult Protective Services?
If I don't get meaningful and accurate answers to these questions and a check for the balance of my OSA, CFPB has advised me to contact the Virginia State Banking Regulator and Virginia Attorney General regarding my CFPB complaints.
|
| 09/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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|
Web |
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Formal complaint against Goldman Sachs Bank USA for discriminatory and erroneous practices in the credit application process I am filing this formal complaint against Goldman Sachs Bank USA to investigate and resolve what I believe to be unfair and discriminatory treatment in my application process for the Apple Card credit card. Despite having a good credit history, my applications have been denied multiple times for reasons I believe to be inaccurate and possibly discriminatory.
Background XXXX. Date of first application : XX/XX/XXXX XXXX. Date of last application : XX/XX/XXXX XXXX. Total number of applications rejected : XXXX Problem XXXX : Incorrect Information on the Credit Report In my most recent application, made on XX/XX/XXXX, I was informed that the reason for the denial was the existence of a " recently closed CHECKING/SAVINGS ACCOUNT '' according to the XXXX report. I have confirmed with XXXX that no such information exists in my credit history, and to date Goldman Sachs Bank USA has not corrected this error.
Problem XXXX : Inconsistencies in Rejection Reasons Throughout my many applications, I have noticed inconsistencies in the reasons for my credit denial. For example, on my last application, I was told that they couldn't verify my information, which is incorrect.
Problem XXXX : Third Party Supplemental Information ( XXXX XXXX XXXX XXXX ) Goldman Sachs also based its decision on additional information from a third party XXXX XXXX XXXX XXXX XXXX ), which I have also verified and turns out to be incorrect in my case.
Allegation of Discrimination I have observed that people with less favorable credit profiles than mine have been approved for the same credit card. This leads me to ask if I am being discriminated against for unknown and unstated reasons.
Attachments : XXXX. Copies of all my requests and responses received from Goldman Sachs.
XXXX. Copy of my credit report from XXXX and other relevant agencies.
XXXX. Copy of my report from XXXX XXXX XXXX XXXX.
Resolution Requested I request a thorough review of my credit applications and a detailed explanation of the reasons for the denials. If it is determined that errors or acts of discrimination have been committed, I ask that they be corrected immediately and that my credit application be processed in a fair and transparent manner.
Since XX/XX/XXXX I am trying to apply for an Apple credit card sponsored by Goldman Sachs USA Bank. This Bank in the course of 1 year has been able to demonstrate what is being discriminatory in unfair with my applications.
I will attach all the applications that I made during this year and the past where it can show a number of incidents and inconsistencies in the answers. I will attach copies of my credit reports behind junior and other agencies that report credit histories. I am applying for a credit card and consider that I qualify to have it. I also consider that I am being a victim of injustice and discrimination when it comes to receiving a decision. In my credit history you can see that my credit does not have negative information. I only have a few credit cards with a low credit limit for which I am applying for the Apple card so that my credit limit can grow.
I can show from my credit history that I was worthy of a credit line increase on my XXXX credit card because of my good payment history and that speaks volumes about my commitment to good credit.
Today in this letter I will detail step by step the unfair process that they have done towards me. It is not the only Bank that has been unfair to me and I have already reported it previously and thanks to the fact that I have reported it this way, the Bank has proceeded to grant me the credit. Example of this XXXX XXXX was unfair to me when it came to denying me credit and I reported it this way and thanks to the investigations that were carried out they granted me the credit. Therefore, I am once again relying on you in accordance with the law to sue Goldman Sachs Bank USA and trusting in a positive decision.
On XX/XX/XXXX I applied for a credit card Apple Card is a credit card created by Apple INC and issued by Goldman Sachs. My application was denied because Goldman Sachs Apple tells me in the application decision that my XXXX XXXX credit bureau tells them I have a recently closed CHECKING/SAVINGS ACCOUNT. I contacted the company XXXX and a manager informs me that in my credit history it does not appear that I recently had a SAVINGS BANK ACCOUNT OR RECENTLY CLOSED CHECK, therefore, there is incorrect information in the credit application decision.
I contacted the credit bank Apple Card is a credit card created by Apple INC and issued by Goldman Sachs Apple and a manager responded to me informing me that the only way they can reconsider my application is for XXXX to confirm that there is incorrect information on the card. decision. I contacted XXXX again and they do not have a letter format to send Goldman Sachs Apple bank the rectification that there is incorrect information in the decision of my Apple credit card application and that there are no negative accounts in my credit history. Only they can give me a copy of my credit record, which I must send to Goldman Sachs Apple so they can see that I don't have a recently closed CHECKING OR SAVINGS ACCOUNT on my record. I as a client am being a victim of this injustice.
Credit denial decisions by Goldman Sachs Apple. I can show the inconsistencies in each of the decisions. Until showing my last recent application where it says incredibly that they can not verify my information that I provide them.
The bank relies on the fact that this information is taken from my credit history by the XXXX XXXX, in addition to requesting XXXX information from a third party ( Third Party Supplemental Information ) which in this case is XXXX XXXX XXXX XXXX and I attach a copy of My history with this company showing that I have no recently closed accounts. I further request that the bank verify with XXXX XXXX XXXX XXXX this information and verify it in this complaint. That is to say that Goldman Sachs Apple has no basis to deny me credit and what it is doing is unfair. I can see other people who do receive credit and have credit with late payment accounts and Goldman Sachs Apple authorizes credit for them. Why not me? That is injustice and discrimination.
|
| 05/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I placed an online order ( Order # : XXXX ) at XXXX which totaled {$89.00}. I paid for the items using apple pay. On XX/XX/XXXX, I placed another online order ( Order # : XXXX ) at XXXX and its total was {$24.00}. I also paid for the order using apple pay. On XX/XX/XXXX, I received an email notification that my second online order from XXXX XXXX was delayed. I subsequently reached out to XXXX XXXX to request a cancellation for the second order as the delay would have caused me not to receive the items on time. XXXX XXXX promptly honored the cancellation request and refunded me the {$24.00} back to the original form of payment. On XX/XX/XXXX, at XXXXXXXX XXXX, I received an email notification that my first order had been delivered. I thought this was an error because I had been waiting all day during normal delivery hours and I hadnt seen a package at my door or a delivery service vehicle in my driveway. I checked and there was no merchandise at my door or around my front door. The next morning, I checked again and still there was no package at my door or anywhere around my front door. I even checked at the mailbox and asked neighbors. I didnt find the package and my neighbors hadnt received or seen the package. I reached out to XXXX XXXX immediately to inform them that my package was marked as delivered but I didnt get it. I checked the XXXX XXXX app to see the delivery tracking and it was marked as delivered by XXXX on XX/XX/XXXX, at XXXXXXXX XXXX This was the first indication that something wasnt right. I had received an email notification at XXXXXXXX XXXX on XX/XX/XXXX stating it was delivered but the app had it marked as delivered at XXXXXXXX XXXX XXXXXX/XX/XXXX. I received an email from XXXX XXXX customer support XX/XX/XXXX, that asked that I wait at least 72 hours from the delivery time stamp because the package XXXX still turn up. Also in the same email, XXXX XXXX stated that theyre not responsible for any delivered packages that XXXX have been stolen or picked up by mistake. I reached out to Goldman Sachs ( Apple Credit Card ), the issuer of my credit card, on XX/XX/XXXX, to initiate a billing error due to XXXX XXXX statement that they arent responsible for items marked as delivered. In the interim, 72 hours had passed, and I reached out to XXXX XXXX again to inform them that I hadnt received the items. XXXX XXXX refused to refund the {$89.00} because the delivery service marked it as delivered and there was nothing they could do. The billing error claim was initiated on XX/XX/XXXX. I explained to Goldman Sachs that XXXX XXXX sent me two different delivery dates and times. I hadnt received the package and the package was marked as delivered far outside of normal delivery hours. I also explained that I had asked for delivery confirmation like a picture of the package at my front door to corroborate the delivery. I was issued a temporary credit for {$89.00}. I was informed that the investigation could take up to 90 days. On XX/XX/XXXX, I received notification from Goldman Sachs regarding the outcome of my transaction dispute investigation. The results were unfavorable to me because the evidence submitted by the merchant confirms that the merchandise was delivered, and/or services purchased have been completed. The {$89.00} credit was reversed. I requested copies of the evidence submitted by XXXX XXXX. I received the copy of the evidence on XX/XX/XXXX. The evidence was copies of the three orders that I placed through XXXX XXXX and the details regarding those purchases. One order was from XXXX and was delivered as expected. The second and third orders were the orders I placed in XX/XX/XXXX. XXXX XXXX marked the third purchase as returned and refunded which was incorrect. That third order was cancelled because the order was delayed, and the delivery date wouldve been too late for me. I never returned a purchase to XXXX XXXX. And the second order was the only order that I was disputing. I found it strange that XXXX XXXX would submit details about orders that had absolutely nothing to do with the current dispute. And I didnt understand why Goldman Sachs would find that the purchase had been completed simply because the package was marked as delivered by the delivery service company. I immediately reached out to Goldman Sachs to re-initiate the claim because I didnt receive the package. Yes, the item was marked as delivered at two different times, well outside of normal delivery hours, but that didnt mean that it was delivered to the correct address or delivered at all. I re-submitted my billing error dispute again on XX/XX/XXXX. I submitted emails between myself and XXXX XXXX as well the proof that I was given XXXX different delivery dates and times for XXXX package, and both were out of normal delivery hours. On XX/XX/XXXX, I received email notification from Goldman Sachs that the results from the re-submitted billing dispute were ready. And once again, they found that the order had been completed. I have initiated the claim once again. On XX/XX/XXXX, I re-submitted the dispute because I didnt receive the package. The merchant marked the package as delivered but it wasnt received by me. I asked for proof of delivery and the merchant couldnt provide such proof. I reached out to XXXX XXXX the same day the package was marked as delivered to try to come to a resolution. That was all in vain. I reached out to my credit card issuer within the time frame for billing disputes. Im not legally responsible for items that I didnt receive. Given that the delivery service company delivered the items after midnight, it was dark, and the package was likely delivered to the wrong address if it was delivered at all. Ive done everything thats required to dispute this purchase. But XXXX XXXX refused to re-send the items or issue a refund and Goldman Sachs is attempting to hold me responsible for items that I havent received. Id like any help in coming to a fair resolution. Ive attached documents which shows the dates on which the orders were placed, the delayed and cancelled order that XXXX XXXX attempted to say was returned, the XXXX different delivery dates/times that are well after normal delivery hours, and the Goldman Sachs XXXX XXXX.
|
| 04/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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So, this began in XXXX. I got an Apple Card as a back up. I maybe had XXXX dollars total charges on it the year and a half I had it before I stopped making payments from the ridiculous lack of any fraud protection and continuous fraudulent charges. For two years, I tried to get this resolved. I would always have to start over at stage one as Goldman Sachs would either not keep records, or when the person who could finally help me was to call me, they literally would not every single time, and Id finally get a call from someone who had apparently no idea of the 11-12 previous times at the end I had proven these charges fraudulent and awaited resolution. ONE TIME, they finally reversed all those charges. I happily paid. BUT THEN, despite these fraudulent charges coming from websites or states I had never visited, for example Goldman Sachs claimed my physical card was used in Texas while I was in Florida, and I would give them all the evidence, and eventually after the two hour grueling irritating runaround that they had set up as on the internet you can see this was clearly a business practice of theirs, theyd tell me theyd be able to help, and then either never return a call, have someone call without any idea of the past discussion and start over, or try to claim the charges were valid. As a soon to be lawyer at the time, in XXXX, I finally sent them the federal statute saying no one can be liable for more than {$50.00} in fraudulent charges. Told them I would report them. Then sue. Then I passed the bar and life got crazy. However, it just turned up again, as they know I dont owe the money hence why no collection is present, as when they tried to I put my foot down and explained how many fines and damages theyd be looking at if the forced me to sue, and that the tens of thousands of dollars theyd have to pay to defend compared to the hours of my life and court filing fees as they clearly were engaging in unlawful and deceptive business practices to avoid taking accountability that DESPITE REQUESTING THEY CHANGE MY CARD # THREE TIMES, THE REASON THE FRAUD PERSISTED WAS THEYD ONLY CHANGE THE PHYSICAL CARD #, AND I TOLD THEM EACH TIME CHANGE BOTH BUT THE DIGITAL NUMBER WAS COMPROMISED AND THEY EVEN PERMITTED FRAUDULENT CHARGES FROM VENDORS I HAD ALREADY SOMETIMES THREE TIMES PRIOR ALERTED THEM TO. Now, they have a status on my card as revoked. It doesnt look good to the bar, worst of all, it was not revoked. I paid as long as I could but finally when two years went by and I was paying off fraudulent charges and interest, I just couldnt and shouldnt and legally am not obligated to. They breached the contract, failed to provide fraud protection, failed to make proper good faith investigation into such, failed to provide any proof to their findings for either claiming the charges were valid, or when one time I finally thought I had at long last gotten justice, all charges were reversed, until two weeks later, somehow they magically became valid and were put back on. I am having my financial reputation, and my financial and credit score-based interests harmed by this practice that a simple XXXX search will show they have been deliberately doing and already sued over many times since before I even got my card. I kept telling them I want to pay what I owe but why would I pay statements that were, at the end 95-100 % principle and interest of fraud. I frankly wish to have an Apple Card again so I dont mind compromising but a compromise after all they put me through is paying the I believe {$500.00} left that are valid charges. Telling and demonstrative of their blatantly illegal and unlawful business practices is that magically a year ago they claimed I owed {$5700.00}, yet rather than increase it as would a legit debt, right now they say I owe {$3000.00} roughly, because just like the collection, they seem to be quite aware that they cant get away with everything but clearly are trying to manipulate and frustrate attempts to gain proper resolution in order to save a few dollars themselves despite contractually being obligated to have protected my information and indemnified or covered me for fraud charges, especially when three times I ask them to change the number and the say yes but dont change the compromised digital number. Anyway, the collection being dropped, the balance dropping, THE FACT THAT EVERY TIME I AM SUPPOSED TO FINALLY GET A CALL FROM SOMEONE WHO EVEN HAS THE AUTHORITY TO REMOVE THE CHARGES, as it takes three phone calls and the runaround to get even an appointment with them in disputing which is absurd, they NEVER CALL. And whenever I get a call, despite all calls being recorded and documented they claim, for some reason its another basic level customer representative without any idea of my situation that there must be 50-100 hours of recorded phone calls on and more notes. Eventually I had to give up trying it was wasting too much time, and am just reporting it now as frankly Ive been so busy it didnt come up till I was asked about a revoked credit card. That also is a violation of the Fair credit reporting act and fair financial reporting statutes. They are doing this to so many people I can not believe how many have had my experience, reading articles and peoples posts about it and XXXX complaints, being successfully sued as I am about to possibly engage in again so many times and not even trying to defend it but settling for everything plaintiffs are asking for yet somehow someway the CFPB to my knowledge has not done anything. They need to be reminded of all the federal statutory considerations mentioned above and theyre need to adhere to their contractual obligations. It simply violates numerous consumer protection and fair credit reporting laws every day they continue to claim my card is revoked and I owe any more than {$500.00}, which frankly is more than I owe, but I simply want to get this nonsense over with and calling them is literally futile theyve designed their corporate runaround to ensure that. Please help me finally get this resolved because XXXX cant believe how many times I was supposed to get a call back from them to finalize it and did not. It is disgusting.
|
| 04/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This originally contained screenshots of statements and receipts supporting my statements. These will be included in " additional documents '' in this complaint, and have been sent to Apple Card twice, as of XX/XX/XXXX, while defending " disputes ''.
When I tried to purchase a rug ( XXXX ), I went through XXXX, through which I used Apple Card.
When I clicked to purchase, I got an error message.
Assuming the transaction didnt go through, I backed up, checked what I had submitted, and submitted again.
Again, I got the error message.
I thought the error might be with the sites connection with XXXX, so I tried going through Apple Card directly.
The card was declined. It appears that happened twice.
At that point I recognized that the two error transactions had actually gone through.
I called attention to the transactions with XXXX and with Apple Card ( i.e. disputed ).
I thought everything was resolved ( and it was, by everyone except Apple Card ).
Some time later, when I tried to purchase an XXXX computer, my credit was denied, calling my attention to the discrepancy between my credit line ( {$7500.00} ) and my available credit ( {$3400.00} ), though my unpaid balance was {$0.00}.
The discrepancy was the {$3400.00} that was still inexplicably under dispute by Apple Card.
XXXX was able to recognize that the transactions never happened.
XXXX credited the transactions thus Apple Card never paid. Now Apple Card wants me to pay them, as they reverse a " provisional credit '' for transactions that were credited before they even happened.
One could examine the receipt from the vendor...
I never had contact with the vendor, as they were paid by my XXXX XXXX and shipped the product, thus there was no dispute.
The error purchases were credited through XXXX, and never paid, as acknowledged by the vendor.
I ended up using a different card to make the purchase that night, thus the rug was shipped to me, and the disputes were irrelevant.
( There is only one such rug. If the vendor were paid two or three times, they could not send me multiple rugs. This was the only such rug. ) My XXXX card statement shows the transaction resulting in the purchase and delivery of the rug.
No funds from Apple Card were used to make this transaction.
Apple Card never paid out anything, though Apple Card continues to try to assess my account for the {$1700.00} they never paid out to anyone.
This is evident in the entries in my statement from Apple Card.
Here is the response I continue to get from Apple Card regarding this dispute : Goldman Sachs Bank USA has investigated your transaction dispute, and it's not resolved in your favor for the following reason : You already received a credit from the merchant for the disputed amount As a result, the temporary credit of {$1700.00}, which was applied to your account while your dispute was being investigated will be reversed, and will appear as a transaction in the XXXX app and on your next monthly statement. We will add this amount to your account balance, and you can pay it the same way as your other transactions. We've also waived any interest that may have been added to the disputed transaction before you submitted it.
You have the right to see the information we gathered to make this decision. To request a copy, please contact an AppleCard Specialist at Goldman Sachs Bank USA by chat or phone.
The details of your dispute are below.
Disputed Transaction Details Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX XXXX ( XXXX ) Disputed amount : {$1700.00} Amount to be rebilled : {$1700.00} Get in touch with an AppleCard Specialist. Available XXXX.
Chat with a Specialist using the XXXX app XXXX My notes from a previous call to Apple Card : XX/XX/XXXX XXXX On our end, both transactions disputeddispute credits applied.
Dispute reversal removes one of the dispute credits.
The other dispute credit is still open.
Merchant was never paid Withdrawing disputeresolved in merchants favor, but should not result in a charge.
It was already sent throughawaiting Manager approval.
Will make a note of it.
Usually takes a couple days.
Goldman Sachs Bank USA has investigated your transaction dispute, and it's not resolved in your favor for the following reason : You already received a credit from the merchant for the disputed amount As a result, the temporary credit of {$1700.00}, which was applied to your account while your dispute was being investigated will be reversed, and will appear as a transaction in the XXXX app and on your next monthly statement. We will add this amount to your account balance, and you can pay it the same way as your other transactions. We've also waived any interest that may have been added to the disputed transaction before you submitted it.
You have the right to see the information we gathered to make this decision. To request a copy, please contact an AppleCard Specialist at Goldman Sachs Bank USA by chat or phone.
The details of your dispute are below.
Disputed Transaction Details Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX XXXX XXXX XXXX ) Disputed amount : {$1700.00} Amount to be rebilled : {$1700.00} What strikes me is that Apple Card says that since the vendor credited me, then Apple Card can reverse its credit to me, and charge me.There was no me in these transactions.The vendor credited Apple Card, not me.I didnt get any money from the vendor.The vendor didnt get any money from me, or Apple Card.Because I contacted the vendor ( XXXX ), the charge was credited, so Apple Card was never charged.There was no transaction.On Apple Cards books, they think they credited me, and then they imagine that the vendor credited me, so then Apple Card should reverse their credit to me and charge me.
I must reiterate ... I purchased this rug using my XXXX credit card. Apple Card did not pay anything in this transaction.
|
| 04/24/2023 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
This is a complaint that is being filed against GreenSky , LLC ( NMLS # XXXX ) aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I submitted a loan application together with my wife ( XXXX XXXX ) who is trying to establish her credit as she just came to the U.S. last year. We were verbally declined by GreenSky. On the same date I resubmitted a separate loan application on my own name and was declined by GreenSky. We feel that we were discriminated and do not understand why we were declined with GreenSky but approved by another lender ( XXXX ) on the same day at a higher interest rate and loan payment. Further, when I called GreenSky to understand the specific reasons why I had been declined, no one could tell me specifically why I was declined credit. We also feel that we were caught in a bait and switch scheme.
Facts : I submitted a joint loan application with my wife to GreenSky on XX/XX/XXXX. We applied for a {$25000.00} loan with GreenSky to finance the acquisition of a new energy efficient air conditioning unit. The XXXX who was to install the unit XXXX XXXX XXXX XXXX personally took my application face-to-face and submitted it online to GreenSky on my behalf. XXXX XXXX told us that we were declined by GreenSky. When I ask the XXXX XXXX representative why we were declined, he was unable to tell us. He suggested to submit a new loan application under my own name and so we did. I was decline and again I was not given any specific reason ( s ) as to why I was declinedXXXX XXXX XXXX suggested that we submit my loan application to another lender ( XXXX ). I was hesitant as they had a higher interest rate, loan payment and term but agreed as I had no choice. My family was in potential danger since XXXX XXXX had determined that the furnace on my A/C unit was cracked and could potentially rupture and start emitting carbon monoxide throughout my house. I was approved with XXXX at an 8.99 % APR, for {$25000.00} for 12 years. GreenSky was offering 5.99 % APR for {$25000.00} amortized over 10 years.
On XX/XX/XXXX or thereabouts I received a declined letter from GreenSky.
On XX/XX/XXXX I called GreenSky at XXXX, the phone number on their declined letter. I talked to someone by the name of XXXX who did not have access to my application and was helpless. She insisted that I needed to call XXXX and said they would explain why I was declined. I told her their denial letter specifically stated the following : The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have the right to a free She apologized and said she was unable to help me. When I asked for their address where I could send her company a complaint, she said she did not have one and kept insisting that I contact XXXX. After I insisted and insisted and kept insisting that XXXX would not assist as they had not declined me for credit, she asked me for my date of birth and SS #. She then said that someone by the name of XXXX would assist me. When XXXX got online, I asked her title and she said she was a front-line manager. I told her my story and told her that I wanted to know specifically why I was denied because the reasons for denial on their letter were not reasons for denial under the law ( GreenSky reasons for denial were : 1. Number of recent inquiries on credit bureau report.
2. Unable to verify applicants identity.
3. Unable to verify application information ).
She then told me that the reason I was declined was because my SS # was incorrect, I said how could it be incorrect when you pulled a credit report on me? And, if it was incorrect, then why did you not ask for the correct SS #. ( Subsequent to my call I requested a copy of my credit report from XXXX. Page 13 of the report shows a hard inquiry from GreenSky Installment ).
She then said that I could re-apply. I said fine. I supposedly got transferred to sales, but instead, I was disconnected ( on purpose it seems to me ).
I called back again and ended up talking to a customer service representative, someone by the name of XXXX. I told him my story and said that I wanted to file a complaint and he said he would open one a compliance resolution issue.
On XX/XX/XXXX, someone by the name of XXXX from their customer service department called and said that she would open a compliance solutions case ( # XXXX ) and would notate that the reason of the complaint was an explanation for the reasons of credit denial. I asked her phone number and she gave me XXXX, x XXXX. She said someone from GreenSky would call me back.
On XX/XX/XXXX XXXX called me back on a recorded line. She apologized and said could not see the reason why I was declined and could not offer any other information. she also mentioned that she could not resubmit my application because it was past 30 days from XX/XX/XXXX. I then asked, if you can not offer help then what is the purpose of your call? She said that it was because a complaint case was opened, and she had to follow up on the case as part of their protocol.
Conclusion : I believe that under ECOA and Fair Lending laws, Im entitled to know the reasons why I was specifically declined.
I feel that the denial reasons on GreenSkys denial letter are not reasons for denial. As a result of their denial, I ended up with a loan with a much higher interest rate, payment and loan term and feel that this is not fair. Based on my excellent payment history ( XXXX XXXX ), income and assets to support the loan, how can the same applicant with the same credit profile, assets and income can be approved for a {$25000.00} loan at 8.99 % APR, for 12 years, but declined for the same loan amount with a much lower rate and payment ( 5.99 % APR for {$25000.00} amortized over 10 years ). I believe this would be considered discrimination under both Fair Lending and ECOA laws.
|
| 03/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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At the end of XX/XX/2023 I paid my apple bill, {$1900.00} with my other account, I did not want to pay it that way. So I contacted apple and the payment was cancelled, I then paid the balance with a different account, {$1900.00}.
When I checked my account a few days into XXXX a new charge titled, balance adjustment was posted to my account on XX/XX/23, in the amount of {$1900.00}. Apple is stating this, Your dispute has been investigated. You contacted us on XX/XX/2023 regarding a payment to your Apple Card account. Goldman Sachs Bank USA has investigated your dispute and determined that no error occurred. Your payment of {$1900.00} was refunded to your bank account ending in XXXX as requested on XX/XX/2023. Your bank then returned the original/initial payment on XX/XX/2023. which increased your outstanding balance by {$1900.00}. You can view your payment history, monthly balance, minimum payment due, and payment due date in Wallet by tapping on your Apple Card or by accessing your most recent statement, however that is incorrect.
Ive contacted so many different agents through chat because I never received a refund, should not have received a refund and I am unable to get this charge off my account. I finally spoke with one agent who stated I should send in proof of my bank statement that shows no refund was issued, and I did that on XX/XX/XXXX. When I submitted that I asked the agent how long does the investigation take, she stated 30 days. It is now XX/XX/XXXX and there hasnt been a removal of this inaccuracy. Im going to attach some statements made by apple representatives XX/XX/XXXX from a dispute agent about my submitted bank statement : At this moment it still says it's being reviewed. It doesn't give me any grave detail, but there should be more information within the next 24-48 hours.
XX/XX/XXXX from an agent : Within 48 hours we should have an update. I am very sorry for this issue. We are working to fix it for you.
XX/XX/XXXX from an agent : XXXX, I apologize for the hold. Thank you for your patience. This dispute is still been investigated. If any information needed we will reach out via email.
XX/XX/XXXX chatted with a supervisor XXXX : Thank you for that information, I do see copies of your bank statement in your document library, however I do not see any notes regarding the statements being reviewed. I would be happy to escalate a complaint for you regarding this issue. I do apologize for all of the confusion and you having to call or chat in so often. I know that is frustrating. I would be frustrated as well.
Thank you so much for your patience while I escalated that complaint. I have it submitted for you. I was very detailed as to what you submitted and have not heard anything back on. Please keep an eye on your email or for a phone call back from XXXX. Again I do apologize for all of this confusion. We will get this straightened out for you. Have a wonderful day.
XX/XX/XXXX chatted with a supervisor XXXX : I submitted another dispute for you. I see that the previous dispute was closed.
You can check again in 3 days.
XX/XX/XXXX chatted with an agent XXXX : XXXX, after reviewing this issue, I do see they are currently working on this. You should expect communication from the team working on this issue.
XX/XX/XXXX chatted with a supervisor who totally had no clue what I was referring to, as she kept mentioning old information and abruptly ended the chat after I told her I was filing a complaint with consumer finance and attaching chat documentation. Supervisor name, XXXX.
Thank you for that information. I do apologize for the misinformation. After further of your account it looks as though the transaction in the amount of {$1900.00} was not transaction but a payment that was made on XX/XX/2023 was returned to you on XX/XX/2023.
This is what she sends me after she supposedly reviewed the account. Old information. Nothing about my bank statements, noting about the complaint another agent filed for me- it was as if Apple isnt documenting properly or this agent was inadequate at her position.
More chat from supervisor XXXX : Thank you for that information and I do understand your concerns. You can give us a call and we can assist you over the phone however the department for payments disputes you can not speak with directly. We can file a complaint for someone to reach out within 10 days after our review has been completed. Yes your bank statement are showing in the system that were submitted.
Once she saw my bank statements had been submitted this is the response she gave, ONCE AGAIN Okay no problem, I have submitted a request to have it mailed out to you. In the meantime the email that was sent out concerning your dispute states as follows : Your dispute has been investigated. You contacted us on XX/XX/2023 regarding a payment to your Apple Card account. Goldman Sachs Bank USA has investigated your dispute and determined that no error occurred. Your payment of {$1900.00} was refunded to your bank account ending in XXXX as requested on XX/XX/2023. Your bank then returned the original/initial payment on XX/XX/2023. which increased your outstanding balance by {$1900.00}. You can view your payment history, monthly balance, minimum payment due, and payment due date in Wallet by tapping on your Apple Card or by accessing your most recent statement.
HOW MANY TIMES DO I NEED TO CHAT IN WITH APPLE BEFORE THIS INACCURACY IS REMOVED- AND I CHAT FOR THIS SPECIFIC REASON, TO HAVE PROOF OF ALL INCOMPETENT CONVERSATIONS IVE HAD WITH PEOPLE WHO ARE SUPPOSEDLY IN A SUPERVISOR ROLE. IT SHOULD NOT TAKE APPLE THIS LONG TO INVESTIGATE A DISPUTE WHEN THE PROOF THEY REQUESTED WAS SENT ON XX/XX/XXXX AND I WAS TOLD IT WOULD ONLY TAKE 30 DAYS. IT IS NOW XX/XX/XXXX AND I AM STILL GOING BACK AND FORTH WITH THESE AGENTS.
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| 06/12/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
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In XX/XX/2023 I opened an HYS account with Marcus by Goldman Sachs as it came recommended by my financial advisor. My request to open the account was promptly approved on XXXX XXXX and I transferred {$100.00} as an initial deposit to make sure everything was was working fine. The transfer went smooth and without any problem so after almost two weeks, I transferred {$20000.00} of savings into this account. Following that transfer I categorized the money into three separate categories/sub-accounts.
On XX/XX/XXXX I received an email informing me that my account and funds were frozen and that action was required. I promptly called customer support and to my surprise they claimed that Goldman Sachs had trouble verifying my identify without specifying why. It was agreed that I was to be sent an affidavit to verify my identify with a notary. As I split my time between the XXXX and XXXX it was necessary for me to go to the US consulate in XXXX ( XXXX ) as that per definition is US soil. My identity was successfully verified and notarized with the name and authority of the notary as well as the seal of the US government. The original documents alongside a verified copy of my US passport were overnighted to Goldman Sachs. Contrary to customer support claiming that this procedure would be fine, Goldman Sachs dismissed the evidence submitted and permanently closed my account. This endeavour alone cost me around {$300.00}. Goldman Sachs did not reach out to resolve the issue and I was only provided with an automated e-mail notifying me of the closing on XX/XX/XXXX after having attempted to reach out multiple times via phone in order to try and resolve the issue. At least 6 attempts by myself to resolve the issue over phone were dismissed by both customer support and specialists claiming there was either nothing that could be done or that no information could be provided over phone. In addition, no one was willing to discuss why I was allowed to be able to transfer funds and fully use a bank account and associated services without Goldman Sachs apparently having even verified the identify of the bank account holder.
I was never given back the funds that I initially transferred and Goldman Sachs showed no meaningful willingness to resolve the issue claiming that the bank was unable to transfer back the funds.They informed me that the only way to obtain my funds back was by filing a claim with the bank where the funds originated from ( XXXX XXXX ). Upon multiple requests Goldman Sachs claimed they were unaware of where the funds were and that the account could not be accessed. On XXXX XXXX, one customer service representative told me that my funds ( including interest ) had been transferred back to the XXXX XXXX account the funds originated from on XXXX XXXX. I was provided with this input after having received misleading information about the whereabouts of my money for about 1.5 months. I was provided with the transferred amounts and transfer numbers and promised to receive more detailed information by mail. Goldman Sachs considered the situation resolved and claimed this issue was now between me and XXXX XXXX. I never received the promised information by mail and XXXX XXXX specialists were puzzled over the ( 1 ) Goldman Sachs ' handling of the situation and ( 2 ) their claim that this was a XXXX XXXX issue. XXXX XXXX never received the funds and was unable to verify the Goldman Sachs provided information. XXXX XXXX informed me that unless money was fraudulently taken there was nothing that could be done on their end. Confronting Goldman Sachs with this information yielded no success and it was repeatedly attempted to send me back to XXXX XXXX claiming there was nothing Goldman Sachs could do or had to do with the situation.
I have had no access to my funds since XXXX XXXX. I was never given a reason why my account was frozen, why my identity was not able to be verified, why my attempts to resolve the identity-issue were disregarded ( spent {$300.00} having everything verified at the US consulate in XXXX ) XXXX why my account was closed and how Goldman Sachs managed to lose all of my savings. Goldman Sachs has been either unwilling or reluctant to resolve the issue despite multiple phone calls between XXXX to XX/XX/2023. In addition, I am puzzled as to why Goldman Sachs provides banking services to customers whose identity has apparently not been fully verified and enables large sum transfers over its systems.
It is now XXXX XXXX and I still do not have any answers. As per my last call with customer support a week ago Goldman Sachs is searching for my money and promised to have a supervisor reach out. This has not happened yet. After 5 months of desperately trying to receive my funds back I have been mislead and not taken serious by a large bank. As per Goldman Sachs I have no reason to expect the return of my money in the near future which is inflicting significant financial pain on my family.
All contact with Goldman Sachs happened via phone. I requested the sharing of all our calls in order to have evidence to make my case. Goldman Sachs refused to provide me with transcripts of our phone conversations claiming they were unable to share that information with me as a customer. All calls were held on recorded lines. The only documentation I have are the automated e-mails from Goldman Sachs informing me of the freezing and closure of my accounts. I can provide bank statements from XXXX XXXX that prove that the money was never received after the alleged transfer by Goldman Sachs on XXXX XXXX. I may also be able to provide receipts for the US consulate notarial services and the overnighted documents. Confusingly, I still received automated emails regarding monthly account statements even after the alleged account closure.
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| 09/22/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Key dates and developments XX/XX/XXXX : {$1500.00} charge on Apple Credit card for XXXX course agreement ( see XXXX XXXX attachment ) XX/XX/XXXX XX/XX/XXXX : trial period for course during which full refund given if cancelled at XXXX XXXX XX/XX/XXXX : refund form filled at XXXX XXXX ( see XXXX Cancellation XXXX XXXX ) XX/XX/XXXX : dispute initiated with Apple Card Customer Care at Goldman Sachs for {$1500.00} transaction and amount provisionally credited back to Apple Card ( see Apple Card Dispute XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX : email from Apple Card Customer Care at Goldman Sachs informing me that merchants response to my dispute is being reviewed ( see Apple Card Dispute XX/XX/XXXX XXXX ) XX/XX/XXXX : email from Apple Card Customer Care at Goldman Sachs for more information to support the disputed transaction ( see Apple Card Dispute XXXX XXXX attachment ) XX/XX/XXXX : email sent to Apple Card Customer Care at Goldman Sachs with the supporting documentation ( see Response to Apple Card Dispute XXXX XXXX attachment ) XX/XX/XXXX : email from Apple Card Customer Care at Goldman Sachs that investigation is complete and merchant charges will remain on my account ( see Apple Card Dispute XX/XX/XXXX XXXX attachment ) XX/XX/XXXX : called Apple Card Customer Care at Goldman Sachs at XXXX to dispute their decision but did not get a convincing response During the summer of XXXX when my wife was in XXXX, she enrolled my son in a 3-year educational course for {$1500.00} ( equivalent to XXXX XXXX at the prevailing exchange rate on that day ) at XXXX in XXXX on XX/XX/XXXX. She used the Apple Card from Goldman Sachs for this transaction. She was told that the course trial period would start on XX/XX/XXXX for a period of 15 days during which she could cancel the enrollment and receive a full refund ( see XXXX Agreement.pdf attachment ) if she did not find the course worth the investment. During the trial period my wife realized that she was given misleading information regarding number of online and in-person classes when she signed up for the course on XX/XX/XXXX. Subsequently, she submitted a Fee Refund form at the local XXXX center ( see XXXX XXXX XXXX ) and was told to wait for 14 days for refund processing.
She came back to the XXXX on XX/XX/XXXX and by XX/XX/XXXX when we didnt see a refund on our credit card, I filed a dispute with the Apple Card Customer Care at Goldman Sachs and {$1500.00} amount was provisionally credited to my account ( see Apple Card Dispute XX/XX/XXXX Email.pdf attachment ). I was told that Apple Card Customer Care at Goldman Sachs would follow up with the vendor ( XXXX ) and get back to me. No other information or documentation was requested by the Apple Card Customer Care at Goldman Sachs On XX/XX/XXXX I received an email from Apple Card Customer Care at Goldman Sachs that they were reviewing the merchant response and that no additional action was required from me at this time ( see Apple Card Dispute XX/XX/XXXX XXXX ) On XX/XX/XXXX I received an email from Apple Card Customer Care at Goldman Sachs to provide any correspondence with the merchant such as emails or letters that would help support my case for disputing the charge ( see Apple Card Dispute XXXX XXXX attachment ). I sent a response to the email on XX/XX/XXXX ( see Response to Apple Card Dispute XXXX XXXX attachment ) and the text of the email is pasted below === Hello Apple Card Support Team, Attached are the two documents - one for the XXXX contract and the other for the cancellation. The dates are in DD/MM/YY format and the amount is charged by XXXX subsidiary Think and Learn Private Limited. In the XXXX contract document on the first page which was signed on XX/XX/XXXX ( XX/XX/XXXX ), it clearly states that the customer is entitled for a full refund if the contract is cancelled by XX/XX/XXXX ( XX/XX/XXXX ) at the center. The cancellation form that was filled and submitted at the center has a date of XX/XX/XXXX ( XX/XX/XXXX ). The amount charged is XXXX XXXX XXXX that is equivalent to {$1500.00} based on the exchange rate on that day. Please let me know if there is any additional information needed to refund the amount. XXXX customer service has been terrible and they have not initiated any refunds even after contacting them several times.
Thanks, XXXX XXXX === On XX/XX/XXXX I saw that the {$1500.00} charge ( that was provisionally removed on XX/XX/XXXX ) was added back. An email from the Apple Card Customer Care at Goldman Sachs contained the following statement The evidence we received shows that you did not cancel your purchase prior to the processing date. There was no documentation attached with the email ( see Apple Card Dispute XX/XX/XXXX XXXX attachment ) When I called the customer support team at XXXX in the afternoon on XX/XX/XXXX to inquire more about the decision for taking a decision in support of the vendor and thereby denying the refund, I was not given any new information. They told me that they received documentation from the vendor but did not provide any dates or details. I reiterated the content I sent in the email and told them the vendor had still not reached out to me after repeated inquiries for the refund. I was on the call with the Apple Card Customer Care at Goldman Sachs for almost an hour and escalated it to the next level but did not get a convincing answer for why the charge was added back to my account when I provided compelling supporting evidence.
As a customer, I am at a loss if the credit card company decides to side with the vendor when there is evidence that I followed all the procedures to receive a full refund. Please help with this matter so that I am able to get refund for the {$1500.00} charge on my Apple Card Thanks, XXXX
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| 05/22/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX and I am filing this complaint on my own accord. There is no third party involved. I recognize that I am a natural person and federally protected consumer. The following is a recount of communication regarding fraudulent alleged debt, being collected by GOLDMAN SACHS BANK- as written in my post recently delivered Affidavit of NonResponse, delivered XX/XX/2022. Every statement below was sworn, notarized and delivered to Goldman Sachs BANK via XXXXXXXX XXXX XXXX XXXX. The Affidavit was sworn and notarized on XXXX, XXXX
On XX/XX/2022, I certified mailed a Validation of Debt and Identity Theft Report, attached as Exhibit A, and Cease and Desist letter, attached as Exhibit B, XXXX XXXX XXXX XXXX # XXXX to GOLDMAN SACHS BANK XXXX who received these letters on XX/XX/2022 as evidenced by Exhibit C.
On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call to my personal cell phone, violating my demands for Cease & Desist. See exhibit D.
On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call & left a voicemail message on my personal cell phone, violating my demands for Cease & Desist. See exhibit XXXX.
Respondent had failed to reply NOR comply to the Cease & Desist and Validation of Debt letters within the stated time period for response of 10 days, so I submitted a CFPB complaint ( XXXX ), on XX/XX/2022 attached hereto as Exhibit F.
On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call & left a voicemail message on my personal cell phone, violating my demands for Cease & Desist. See exhibit G.
On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call & left a voicemail message on my personal cell phone, violating my demands for Cease & Desist. See exhibit H.
On XX/XX/2022, I compiled an Affidavit of Truth, attached hereto as Exhibit I, and certified mailed to GOLDMAN SACHS BANK ( certified tracking number : # XXXX ).
On XX/XX/2022 GOLDMAN SACHXXXX BANK received the sworn, witnessed and notarized Affidavit of Truth delivered via certified mail ( certified tracking number : # XXXX ) attached hereto as Exhibit J.
Respondent had persisted in failing to reply NOR comply to the Cease & Desist and Validation of Debt letters within the stated time period for response of 10 days, delivered on XX/XX/XXXX. so I submitted a CFPB complaint ( XXXX ), on XX/XX/2022 attached hereto as Exhibit K.
The CFPB notified me on XX/XX/2022 that GOLDMAN SACHS BANK had responded to CFPB complaint ( number XXXX ) and the case was closed with explanation. See exhibit L.
On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call to my personal cell phone, violating my demands for Cease & Desist. See exhibit M.
On XX/XX/2022 I received a packet including a titled Validation Letter including previous account statements sent without my request from GOLDMAN SACHS BANK : dated XX/XX/2022, attached hereto as Exhibits XXXX This packet failed to provide the information demanded in the validation of debt.
On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call to my personal cell phone, violating my demands for Cease & Desist. See exhibit O.
On XX/XX/2022, Respondent had failed to reply NOR rebut to the Sworn and Notarized Affidavit of Truth within the stated time period for response of 10 days, delivered on XX/XX/2022, so I submitted a CFPB complaint ( XXXX ), on XX/XX/2022 attached hereto as Exhibit P.
On XX/XX/2022 I Certified Mailed an Affidavit of Non-Compliance with attached exhibits certified tracking number : # XXXX to GOLDMAN SACHS BANK XXXX including a statement of 18 facts for how Respondent has failed to comply with my written demands, and continues to violate my rights as a consumer. See Exhibit Q. GOLDMAN SACHS BANKS received these letters on XX/XX/2022 as evidenced by Exhibit R.
On XX/XX/2022 I certified Mailed a Notice of Fault & Opportunity to Cure letter certified tracking number : # XXXX to GOLDMAN SACHS BANK XXXX This letter includes 8 statements of fact to the fault of GOLDMAN SACHS BANK for failing to comply to my written demands in delivered Validation of Debt Letter ( Exhibit A ), nor responding or rebutting received Sworn and Notarized Affidavit of Truth ( Exhibit J ). This Notice was received on XX/XX/2022. See Exhibit S.
The CFPB notified me on XX/XX/2022 that GOLDMAN SACHS BANK had responded to CFPB complaint ( number XXXX ) stating The Bank conducted an investigation and confirmed no error occurred. The case was closed with explanation. See exhibit P.
On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call to my personal cell phone, violating my demands for Cease & Desist. See exhibit T.
To date, XX/XX/2022, the account ending in XXXX is still being disputed and still continues to negatively report on my personal credit report. See exhibit U for XXXX credit report updated on XXXX XXXX
To date, XX/XX/2022, GOLDMAN SACHS BANK has continually been unlawful and have continually failed to comply as GOLDMAN SACHS BANK has failed to provide the documents that were originally demanded in the validation of debt letter to including : identifying the original creditor, verification of the claim against me ( a sworn affidavit or hand signed invoice ), copies of the contract or any documents signed by both parties in wet ink that prove I agreed to pay the alleged debt, and validation of the alleged debt ( the actual accounting ).
To date, XX/XX/2022, GOLDMAN SACHS BANK has continually been unlawful and have continually failed comply with demands stated in the original cease and desist and validation of debt letter to include : zeroing out the balance of the account ending in XXXX, leaving the account open and in good standing, deleting the accounts reporting from all consumer reports, and ceasing all forms of communication.
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| 08/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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The complaint I am filing with CFPB is with GreenSky. In order to describe this thoroughly, I need to also mention the involvement of XXXX XXXX XXXX.
I hired XXXX XXXX XXXX to replace all the windows in my home, and decided to finance this project via GreenSky due to the promotional rate GreenSky was offering. After the windows were installed, I noticed that some of the windows were missing window stoppers. I reached out several times to XXXX to have them finish the installation and supply the window stoppers, but I was unsuccessful in getting XXXX to comply.
Per GreenSkys Customer Bill of Rights, I filed a dispute with GreenSky regarding the window stoppers that Power never installed. GreenSky credited my account on XX/XX/2023 with a provisional credit of {$2200.00}, According to GreenSkys policy, this credit can be removed if XXXX ever completed the installation. It is important to note that XXXX never completed the installation, never supplied me with the correct window stoppers and never contacted me again after my last email exchange with them on XX/XX/2023.
GreenSky subsequently sent me a letter dated XX/XX/2023, which is a week after they credited my account with the provisional credit. This letter states that as a result of their investigation of my dispute, The provisional credit previously applied to your account will now become permanent. This means that the {$2200.00} credit I received is now permanent and I am no longer responsible for paying it.
On XX/XX/2023, I called and spoke with DeCarlos, a Customer Solutions Account Manager at GreenSky, XXXX ext. XXXX, to follow up with GreenSky about my dispute with XXXX. In this conversation I notified XXXX that XXXX had still not supplied the window stoppers. XXXX reviewed my account information, saw the aforementioned letter in my account and verified the credit to my account was permanent. At this point, I communicated to XXXX that I decided not to bother pursuing XXXX anymore to rectify the situation since the credit was permanent. I would just live with not having the correct window stoppers. As I stated earlier, XXXX has still not supplied the window stoppers and never contacted me again to complete the project.
I made the minimum payments on time for the statement periods ending XX/XX/2023 and XX/XX/2023, respectively. At this point, my payoff ( remaining ) balance is now {$19000.00}, and this dollar amount includes the permanent credit of {$2200.00} previously applied to my account.
I paid off the remaining balance on XX/XX/2023, XXXX day before the due date of XX/XX/2023. I received an email from GreenSky acknowledging receipt of that payment. At this point, I have completely paid off the loan.
Much to my surprise, once I paid off the loan, GreenSky sent me another statement for the period ending XX/XX/2023, saying I still have a balance. This statement shows I submitted the aforementioned payment of {$19000.00}, although it lists the date incorrectly as XX/XX/2023 ( a minor detail ). Without communicating anything to me, either through email, snail mail, or a phone call, GreenSky removed the permanent credit of {$2200.00}.
I called GreenSky to inquire about their error on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and several times on XX/XX/XXXX. During one of these calls, I came to find out that XXXX told GreenSky on XX/XX/2023 that they ( XXXX ) completed the project, which is completely false. This led to GreenSky reversing the credit, however, the credit was deemed permanent! It seems GreenSky needs a review of basic vocabulary as to the definition of the word permanent. In addition, GreenSky never reached out to me to inquire if the project was in fact completed, which it was not.
For the calls made on XX/XX/XXXX and XXXX, I was able to speak with XXXX again both times. During those calls, I specifically asked for an email correspondence rather than phone calls due to my work schedule. XXXX assured me he would follow up with me one way or another and would initiate an email correspondence. However, I have never heard back from anyone at GreenSky to provide an update or rectify this issue, be it a phone call, voice mail or email, hence my subsequent calls on XX/XX/XXXX and XXXX. I have checked my Junk email folder and made sure my phone had space to receive voice mails, so I know GreenSky has not contacted me regarding this issue. The only correspondence I have received are XXXX subsequent statements and collection notices claiming my account is past due, which is false.
My credit scores from all three rating agencies have consistently been near or above XXXX, which is an indication of my financial character to pay my bills and keep accurate records. I have also since learned that XXXX XXXX, the parent company of GreenSky, is suffering major loses due to its acquisition of GreenSky and is trying to sell GreenSky. It turns out that GreenSky has never turned a profit and losses have reportedly amounted to over {$3.00} XXXX ( XXXX XXXX XXXX XXXX XXXXgreensky/ ). What is more likely, a person with my track record suddenly deciding not to pay his bills or a company that is having financial issues doing whatever they can to diminish their losses.
I have not bothered trying to contact GreenSky again because it is obvious to me that GreenSky is not operating in good faith and is not conducting good business practices. They refuse to acknowledge their mistake and quite possibly are doing so due to their financial difficulties. The {$2200.00} credit should never have been removed from my account for either of the following reasons : I still have not received the window stoppers but more importantly, GreenSky sent me a letter ( a legal document ) deeming the credit permanent.
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| 07/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2023, I upgraded to the XXXX XXXX XXXX ( Order # XXXX ) through the XXXX online store. I was driven to this by the rapidly depleting battery of my previous XXXX XXXX XXXX XXXX, especially given my ongoing health issues. The new phone was financed via Goldman Sachs Apple Card 0 % APR offer, and after a trade-in value of {$440.00} on my old device, I was left with an installment balance of {$550.00}.
Around XXXX, my health condition worsened with unpredictable spikes in my XXXX XXXX, often reaching hazardous levels of XXXX. The doctors, however, were unable to diagnose the problem or provide conventional treatment due to my XXXX condition. This left me reliant on XXXX, while vigilantly monitoring my XXXX XXXX at home.
Fast forward to XX/XX/XXXX, the new phone arrived at my doorstep. However, its battery would only charge up to 30 % despite being plugged in overnight. This became critical on XX/XX/XXXX when I was rushed to the hospital due to another XXXX emergency, and my phone battery, despite being charged, dwindled to a mere 19 % after four hours more charging at the hospital.
Upon my return from the hospital on XX/XX/XXXX, I reached out to XXXX 's customer service for assistance. After speaking with three representatives and explaining my predicament - living alone and needing a reliable device for emergencies - I was disappointed to learn they couldn't expedite a replacement. Despite living near an XXXX Store and having received same-day deliveries in the past, they suggested I call the store directly for any possibility of expedited service.
Following the advice of the customer service, I reached out to the local XXXX Store and spoke with the manager, XXXX. She informed me that I received a 'dead ' phone, i.e., a device with a non-functioning battery. My only option, she said, was to purchase another XXXX XXXX XXXX under the same financing conditions ( through Goldman Sachs Apple Card 's 0 % APR offer, with a trade-in value of {$440.00} and an installment balance of {$550.00} ), with a new order number, XXXX. XXXX assured me that a box would be dispatched to return the defective phone, and that the first phone 's installment loan would be removed from my Apple Card once they received it. However, the replacement couldn't be delivered until XX/XX/XXXX.
On XX/XX/XXXX, I dispatched both my old phone and the faulty XXXX XXXX XXXX in separate XXXX XXXX boxes. Unfortunately, XXXX had mistakenly sent me a trade-in box instead of a return box. As a result, both my phones ended up at the trade-in facility. Despite this, my Apple Card still reflected two installment loans for both phones after two weeks. Meanwhile, I started receiving contradictory emails : some confirmed the receipt of both phones at XXXX, while others claimed the received device didn't match the description of my trade-in.
When I attempted to rectify this confusion with XXXX, she was unreachable. My emails went unanswered, and customer service didn't provide any resolution, even when I called from my hospital bed in early XXXX. In the midst of this chaos, the trade-in department charged my Apple Card {$440.00} to cancel my trade-in.
Finally, on XX/XX/XXXX, a senior manager at XXXX XXXX, XXXX, managed to piece together the situation. She retrieved the defective phone from the trade-in department, refunded the {$440.00} charge, reversed the additional tax charges, and sent the money to GS Apple Card to clear off the second installment. Attached are the screenshots of these transactions.
However, the saga didn't end there. On XX/XX/XXXX, the second installment was finally removed from my Apple Card. But just around XX/XX/XXXX, Goldman Sachs Apple Card erroneously reapplied the second installment to my account, resulting in charges for two {$550.00} installments, despite having only one phone.
Adding to the confusion, Goldman Sachs increased my credit card balance by {$550.00} in addition to reinstating the second installment. I reached out to XXXX XXXX, explaining the latest issue. After reviewing their records, XXXX confirmed that there should only be one installment, provided me with a credit transaction code ( XXXX XXXX ), and instructed me to call GS Apple Card.
This code, they said, would compel GS to adhere to federal law by removing the second installment, refunding any payments made on it, and refunding the associated taxes. However, despite my efforts to rectify the situation, and after more than five calls to Apple Card, they stubbornly refused to remove the second installment. They argued that since XXXX had already issued a refund, it meant I had lost my case in any dispute over the second installment. It made no sense. They seemed unable to comprehend that charging two installments of {$550.00} for a single phone was a mistake. XXXX XXXX even contacted them while I was on the line to reiterate that they had received the faulty device and had only one installment loan on their records for me. XXXX twice requested Apple Card remove the installment and comply with the transaction code.
Despite all the efforts to rectify the situation, Apple Card remained unyielding, failing to acknowledge the mistake when Goldman Sachs Apple Card reinstated the second installment on my card. I bought and own one phone. Even XXXX has told Apple Card I only have one installment loan. Why cant they understand that they are charging me for two phones? And any refund by XXXX is wiped out by them restoring the second installment loan.
I can't overstate how much this situation has affected me, and I'm in dire need of assistance. I'm truly grateful for any help you can extend, and I thank you in advance for your attention to this matter.
Thank you, XXXX XXXX
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| 01/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Apple Card Dispute I woke up on XX/XX/XXXX and saw that XXXX unauthorized charges had been to my Apple Card overnight at XXXX. XXXX was for {$310.00} and the other was {$310.00}. I immediately reported both these charges and froze the card. XXXX sent me an email for a dispute for each separate transaction and said it would be XXXX days until I heard their decision. I was confused because I had never encountered this with a credit card before. The only other time in my life I've had a fraud charge on a credit card was with XXXX, and it was for {$3.00}. They immediately removed the charge and gave me a new card, and did not say there was any kind of dispute. This is the first time I've had a fraud charge happen with an Apple Card.
On XX/XX/XXXX, I got an email for the dispute on the {$310.00} charge and was informed that it was fraud and would be removed from my account. The next day on XX/XX/XXXX I received an email stating that XXXX had sufficient evidence that I had made the purchase for {$310.00} and that I needed to pay that balance. I re-disputed the charge. I received a decision for that on XX/XX/XXXX, saying that the charge would again remain on my account. I re-disputed it again and asked for their documentation on my case. I called XXXX to see if they had any information on their end or could help me in any way. The man on the phone was able to locate the exact charge using the date, amount, and last XXXX digits of that previous card number ( before I froze it ). He gave me the order number : XXXX. He listed off a bunch of things in the order that I definitely did not buy, and he said that it was confirmed to be shipped to my home address. I told him I had never ordered those things and did not receive any packages at my home address from XXXX with those items. He said they could easily fix it on their end and refund me, then transferred me to someone who was supposed to help with that, and she said since it was fraud she couldn't do anything to help me and I needed to settle the dispute through my bank.
I called Apple Card support back after that and was informed that I needed to submit proof that I did not make the purchase through their chat service in the wallet app. I opened the chat service and after stating that I wanted to provide more evidence related to my dispute, I started receiving error messages. For XXXX days I attempted to contact XXXX support through this chat service and received the same error message every time. I tried restarting my phone, updating my phone, restarting the apps, etc. Nothing worked. Finally, on XX/XX/XXXX I called XXXX XXXX back and told them what was happening. I also mentioned that I still had not received documentation from them in regards to my dispute. The woman on the phone said I should have received an email asking me to submit my own documentation related to the dispute. I said I had not received that, that all the emails I'd received up to this point told me no further action was needed. I even checked my spam folder. She went into my account to try and re-send the email, but said an error was occurring on her end that would not allow her to send me the email prompting me for documentation. She said eventually she was able to send it and that I should try the chat function again, but if for some reason I didn't receive that or the chat still wasn't working, I should call back. I never received that email and the chat feature still did not work, even after I contacted tech support to help me.
Attached are screenshots of my XXXX order history, my email from XXXX XXXX showing no emails from XXXX, each dated email from XXXX showing the disputes and their resolutions, the language in the dispute emails telling me no further action was needed, and my chats with Apple Card support showing the error messages over the course of XXXX days after I had stated that I wanted to provide further evidence. {$310.00} is an incredible amount of money, especially during these hard times, and XXXX has a policy that states I am never responsible for an unauthorized charge ( attached is a screenshot of a text reiterating this policy ). I do not understand why XXXX transaction was discovered to be fraud while the other was not. Both of these were fraud, and I feel that I have sufficient evidence proving this, combined with my history of never having had this issue before, and prior to this incident had only ever had a XXXX fraud charge on a credit card. This whole process had been taking up all my breaks at work and has caused me an unfair amount of distress. I have made more than reasonable effort to reach out to the merchant and my bank to resolve this dispute, but my bank is making it literally impossible to provide evidence supporting my case.
Update on XX/XX/XXXX, I received the " evidence '' from the merchant that XXXX provided via paper in the mail. I am also attaching this. The name listed on the card that was used, which was my card number, is not my name. There is an email address and phone number listed for this person as well that I am unfamiliar with. I used this information to make a police report. ( Case number XXXX ). The evidence shows that the packages were delivered to my house, but I never received anything like that. I don't know if someone came and picked those up off my porch or what but that's even more concerning if they did. I feel that this evidence shows even further that I WAS NOT THE ONE WHO MADE THIS PURCHASE. It shows clearly the name listed on my card in the evidence as XXXX XXXX, and that is OBVIOUSLY not my name, nor has that name ever been on my account.
|
| 01/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
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Web |
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Apple Credit Card, which is managed via Golman Sachs, has violated both the Equal Credit Opportunity Act and Fair servicing. In the outline below I will provide details of both circumstances and the conversations ( text conversations ) and over the phone conversations with management.
Issue # 1 : Servicing Issues First, I obtained the apple credit card in an effort to buy an XXXXXXXX XXXX with no interest. During that period, I made my payments on time. Due to the ease of use, I began utilizing the Apple Credit Card for other purchases and transactions. Over the last few months, and specifically in XXXX, I had to dispute a charge.
My complaint does not come from the dispute per se, rather, the complaint comes from the events following the resolution of the dispute. During the dispute process, I was not treated in a manner I came to expect from my card company. As a result, I closed the card. I want to make this clear, it was my decision. My payments were not delinquent nor was my card closed due to any issue with Goldman Sachs. I chose to close the card because I felt that the representatives ( which respond via text ) were not truthful, and more certainly knowledgeable, about the issues I was facing as payments were applied. I was unable to balance the card against the transactions from Goldman Sachs.
As a result of this, I closed the card. This occurred on XX/XX/XXXX. This was after multiple issues within payment postings and processings that were unaccounted for. When I would have text conversations with the card servicer, I was unable to resolve these issues.
In this particular instance, XXXX was being disputed due to a delivery not being made and I never received the product. I informed Goldman of this and was informed that I would need to file a dispute. I questioned this with representative and I also questioned a {$350.00} attempted charge that I was unable to understand why my card could not be used. It was at that point I realized that there were servicing issues and began deciding to close my card as a result.
On XX/XX/XXXX there were additional conversations about this dispute and I was becoming more irritated by the lack of knowledge and was informed I could either close the card or file a complaint. I was unsure what a complaint with the company would resolve and I decided to close the card.
On XX/XX/XXXX at XXXX, I became increasingly concerned about the XXXX XXXX not being resolved, even though XXXX by this point had refunded the money to my account. This left an overage of {$1100.00} to my account. The amount refunded was {$1300.00} and {$560.00} and the original Balance adjustment was {$1900.00}. This should have been a wash. Additionally, a payment of {$3300.00} was made on XX/XX/XXXX which brought the account balance to XXXX.
IN that time frame ( XXXX and XXXX ), I spent {$2200.00} and made {$2600.00} in payments : These payments were made on the following dates : XX/XX/XXXX : {$3300.00} XX/XX/XXXX : {$920.00} XX/XX/XXXX : {$700.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$650.00} XX/XX/XXXX : {$140.00} This is {$360.00} more than I owed. However, I was informed that when the system processed the dispute, the payments on my original XXXX product were rejected. And somehow I now have a balance due of {$270.00}.
No one has been able to further explain the discrepancy in the numbers. On top of this, when I inquired about the problem I was told on XX/XX/XXXX that my account was submitted to the collections department and no one could help me at this time. I did, however, request a call back and a supervisor, XXXX called me back.
I spoke with XXXX who acknowledged the mis-steps in the servicing of my account. He further said that another agent would need to review and call me back. AS of today, XX/XX/XXXX I have missed 2 calls in which the numbers come up as unavailable and I am not able to answer as I have those calls blocked on my phone due to privacy and protection issues. Would you give your information to an unavailable caller? I certainly hope not.
ECOA Violations On XX/XX/XXXX I inquired about re-applying for an apple card. Yes, as crazy as it seems, I was trying to take advantage of the 0 % financing for a new XXXX product. Remember, my dispute is not with XXXX, it is with Goldman Sachs. I was unable to find anyone with a similar financing option as apples plan.
In my text with XXXX at XXXX, I asked if I could APPLY for a new credit line. I was informed that : in order to reapply for an Apple Credit Card, then the balance would need to be paid off first. I asked So youre saying I am unable to apply? XXXX responded That is correct XXXX. Before reapplying, the account that was closed will need to have no pending transactions, no unposted interest and a balance of XXXX. Before these criteria are met, you will not see an option to reapply in your wallet. I advised that this is a direct violation of the ECOA and was disconnected ( without my consent ) from the chat box. I quickly responded and XXXX then said a supervisor would need to review my complaint. At that point, XXXX advised that another representative would need to look at my account. Again, Im not asking for the account to be reopened. I was simply asking for the ability to apply.
As of today, there has been no resolution and I am still out money. The records say I owe an additional {$270.00} and no one has been able to show me where this discrepancy exists.
I am glad to provide all chat documentation.
|
| 12/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I, XXXX XXXX, am the natural person and consumer to whom this account belongs. Pursuant 12 CFR 1026.13 ( b ) and 15 USC 1666 ( a ), the full amount of {$2800.00} appearing as the total amount Im allegedly obligated to satisfy is a billing error because it fails to evidence any indebtedness on my behalf.
An account is a written list of transactions noting money owed and money paid. My transactional account was created for me on my behalf when Marcus by Goldman Sachs accepted and deposited my application/promissory note/commercial paper dollar for dollar. These statements of account I receive monthly from Marcus by Goldman Sachs are deceptive forms pursuant 12 CFR 1006.18 ( a ) ( d ) and 15 USC 1692j ( a ). According to Federal Reserve Board Regulations, Regulation D, this statement reflects a due bill which is a deposit pursuant 12 CFR 204.2 ( a ) ( 1 ) ( iv ). When Marcus by Goldman Sachs uses its custodial account to debit security from my transactional account and fails to deliver the security to me within three days, a deposit in the amount debited from my transactional account is deposited in a Marcus by Goldman Sachs transactional account. That explains how a credit balance in excess of {$1.00} is created. That credit balance must be remitted back to me. The top portion of the remittance is a bond reflecting money owed and the bottom portion is a check reflecting money paid. Marcus by Goldman Sachs is a remittance transfer provider without safe harbor pursuant 12 CFR 1005.30 ( f ) ( 2 ) ( ii ) and is obligated to process my remittance as a depository transfer check. The positive amount on the remittance statements Marcus by Goldman Sachs send me reflect a credit balances in excess of {$1.00}. This is the amount owed to me and thats why its positive.
I was never provided me with proper instruction on where to write my personal bank routing and checking account numbers on my remittance so I can mail it to the lock box address authorizing a one time electronic funds transfer to verify my checking account is active before a depository transfer check is deposited and a receipt, giving Marcus by Goldman Sachs credit for remitting my payment, is immediately wire transferred to a Marcus by Goldman Sachs concentration account which is a XXXX balance account. It even says on the back of it that you will not get the check back. Normally the person who writes a check gets the check back as a receipt. Since Marcus by Goldman Sachs wrote this check, which is the bottom portion of this remittance, Marcus by Goldman Sachs gets the check back as a receipt. The receipt is the credit Marcus by Goldman Sachs receives as proof of payment remitted to me. The check is the coupon portion of this remittance statement which is my credit balance in excess of {$1.00} that Marcus by Goldman Sachs must deposit into my account via electronic funds transfer.
This is an opened ended consumer credit account pursuant 15 USC 1602 ( j ). Why is Marcus by Goldman Sachs telling me i owe them a payment? This entire billing statement appears to be a form of inducement fraud. I have been misled by the facts. Why have I never received the clear and conspicuous disclosures required pursuant 15 USC 1637 on how to properly fill in this remittance? This coupon addressed to me is a credit pursuant 12 CFR 1002.2 ( k ) and 15 USC 1602 ( l ). Pursuant 12 CFR 1026.13 ( a ) ( 4 ) and 15 USC 1666 ( b ) ( 4 ) this periodic statement reflects Marcus by Goldman Sachs failure to credit properly a payment or other credit issued to my account. Pursuant 12 CFR 1026.13 ( 6 ) and 15 USC 1666 ( b ) ( 2 ), provided me with documentary evidence proving this remittance coupon is not a credit. Pursuant 15 USC 44 documentary evidence includes all documents, papers, correspondence, books of account ( receivable and payable ), and financial and corporate records.
Any amount allegedly due from a consumer to you that reflects a positive amount on the face of any remittance is a credit balance owed to the consumer. When that credit balance is in excess of {$1.00}, as securities transfer agents, you are obligated by law to deliver that dividend by any reasonable means necessary. I have not abandoned my credit balances. Please include in your conclusion of the billing error resolution process a statement of all debits and credits to my transactional account and remit any amount in excess of {$1.00} to my checking account.
You now have my permission to remit payment to me by direct deposit, via electronic funds transfer, all credit balances in excess of {$1.00} to my personal checking account monthly. Neglecting to apply the full credit balance of my remittance as a credit to my personal bank account is securities fraud pursuant 18 USC 1438, negligent noncompliance pursuant 12 CFR 229.21 ( a ) and 15 USC 1681o, and considered unauthorized use of credit pursuant 12 CFR 1026.12 ( b ) ( 1 ) ( i ) and 15 USC 1602 ( p ).
To ensure proper treatment of credit balances you may immediately credit my bank account any amount reflected on the face of each monthly statement in excess of {$1.00} pursuant 12 CFR 1026.11 and 15 USC 1666d. I am fully aware of the rules pending resolution pursuant 12 CFR 1026.13 ( d ) and 15 USC 1666 ( d ) where it states you may not restrict or close my account nor can you collect on any amount or part thereof pending resolution pursuant 12 CFR 1026.13 ( d ) ( 1 ) and 15 USC 1666 ( c ) ( 1 ).
|
| 10/19/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
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I opened a new checking and savings account at XXXX XXXX in XXXX of XXXX. I had previously opened a Saving account with Marcus by Goldman Sachs with a promotional offer in XXXX XXXX I believe. I attempted to transfer a large sum XXXX from my Marcus account to my new XXXX account. Marcus by Goldman Sachs is an online only bank. I'm unable to conduct transactions at a physical retail location. Additionally, I had a savings account and thus was unable to use a monetary instrument like a check to draw on my account. So my only capability was to leverage Marcus by Goldman Sachs External Transfer function. Using this external transfer via ACH tool required that I enter my other Institution 's Acct and Routing Numbers. Then assuming those were valid I would receive trial deposits at my other banking institution. As you know this is all fairly standard practice.
Some time passed and I checked on my new XXXX account balance. I noticed I didn't have my funds transferred but I did notice the trial deposits which reminded me to check my Marcus by Goldman Sachs online banking and to verify the deposits. Unfortunately, when I went to login it said my accounts were " temporarily locked ''. So I called and spoke to a representative, they fully verified me. The first rep then transferred me to someone who could help with this particular situation ( read fraud department ) .This new fraud department rep fully verified me again, I believe even with the use of knowledge based questions, there should be XXXX doubt that they are speaking to the real account owner, me. The rep states that I simply needed to confirm the trial deposits associated with my transfer. So I do that, and I pass. Despite the fact that only the account owner at the other bank would know the trial deposit amounts. Unfortunately, the bar is then raised. I'm now asked to do a three way call with my other bank so that the other bank can verify my identity over the phone and confirm that I'm the owner of those accounts and that the account information is correct. I'm assured again, that this is all that needs to be done before my account hold is released. This seems unduly burdensome but I oblige. The three way call is successful and all pertinent information is verified. Unfortunately, the bar is then raised a third time. They now need to verify my original deposit from 3-4 quarters ago before they can release my account hold and my funds.
Let 's reflect. I attempted to make a transfer from one of my accounts to another one of my accounts at another financial institution. The amount while of a fair size isn't excessively large, XXXX. I attempt this with the only transfer capability available to me as a saving customer at Goldman Sachs. The computer device that I attempted this transfer from was from the same registered device that i've always logged into my Goldman Sachs app with before ( read no account takeover concern ). My Funds had been collected for several quarters in my Goldman Sachs savings account. The original deposit had not been returned by the paying institution. No affidavits of fraud had been sent to Goldman Sachs with regard to my original deposit. I assume that my transaction tripped some logic for a fraud queue review ( which i'm grateful for ), unfortunately for me, it was a false positive, doubly worse for me the Goldman Sachs fraud group seems to have hedged a bet that they've identified fraudulent activity and decide to place a hold on my funds and lock my account. When I verified that I am the real owner of the Goldman Sachs account my holds are not removed. When I pass the second challenge of verifying the trial deposits at the other institution my holds are not removed. When I pass the third challenge of having my identity and ownership of the intended transfer recipient account confirmed by the other bank my holds are not removed. I am now made to verify my funding deposit for no legitimate reason other than an analyst presumptuously placed a hold on my account out of an over abundance of caution. This final request in my opinion is unwarranted and an egregious abuse of power. I did not comply. I did however ask for my account to be closed because I have XXXX interest in continuing a banking relationship with a bank that treats real customers as if they are fraudsters even without evidence and when there is actually evidence to the contrary. I asked that as part of the closure that the balance of my account to be mailed to my address on file in the form of a check. This was denied to me. The fraud department has no evidence of real fraud but insists on holding my account and my funds on hold.
Additionally I filed a formal complaint and was assured that I would receive some communication, I have not received any communication from Marcus by Goldman Sachs with regard to this matter.
Furthermore, given that Marcus by Goldman Sachs is an online only bank, I completed e-consent forms at the time of origination. However, due to my online account being 'Temporarily Locked ' for nearly two months, I have been unable to receive any e-statements or digital correspondence that would otherwise only be available to me via my online banking account portal.
This has been an absolute disaster of a situation for what is really a common banking transaction. My online account portal is still 'temporarily locked ', see the attached photo.
|
| 02/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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There are account review inquiries on my XXXX credit report that I would like removed because they are fraudulent. (I know they do not hurt my credit score, but I would like them removed, as they are fraudulent
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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Dear Sir or Madam, I have an AppleCard with Goldman Sachs that I pay the balance on in full each month. On XX/XX/2020, I received two separate refunds totaling {$440.00}. I contacted the company on five different occasions to inquire as to how the credit balance on my credit card would be handled seeing that there was no balance on the card to offset this credit. Initially I was told that the credit would not be refunded as there was a purchase for an XXXX XXXX made with 24 monthly installments for 0 % interest. I was told that the credit would go to pay all but {$7.00} for the XXXX XXXX. I then made a payment of {$7.00} to pay my balance in full.
Several days after my initial contact with Goldman Sachs, the credit amount to my credit card still showed as - {$440.00}. Additionally, the AppleCard app showed that I still owed an unpaid balance of {$440.00} for my XXXX XXXX. I called again and was transferred several times between customer services agents. I ultimately spoke with a Apple Card supervisor. During this phone call I was told that there was a system issue which prevented the credit balance from being applied to the monthly installment plan for the XXXX XXXX I purchased. The supervisor put in a ticket to try to resolve this issue, and assured me that the credit balance would be applied for the full amount of the remaining XXXX XXXX balance.
Several days later, the credit and monthly installment balances still remained unchanged on the AppleCard app transaction history. I contacted Goldman Sachs again and asked to speak directly with another supervisor. This time I was told that the credit could not be applied towards the XXXX XXXX purchase that I had made due to limitations with their system. I was told that I would be receiving a refund for {$410.00} to my bank account which was linked as a payment account for my AppleCard. The amount of the refund was {$30.00} less than the original credit amount because there was a recurring charge to my credit card account which posted to the account.
The original credit amount was no longer sufficient to pay off the remaining balance of the XXXX XXXX. My plan was to wait until the refund posted to my bank account, and the pay off the total balance remaining on the XXXX XXXX installment plan. Unfortunately several more days past while waiting for the refund to post to my bank account which is the linked payment account for my Goldman Sachs AppleCard. No refund was ever issued.
I called AppleCard customer support with Goldman Sachs again and asked to speak directly with a manager. This time I was told that no refund would be issued. I was also told that the credit balance on my credit card could not be applied as payment for the XXXX XXXX. Additionally, I was told that I would have to spend all of the credit amount first by making purchases with my credit card. Only after I spent all {$410.00} of the remaining credit, would their system update and allow me to the pay the balance of another {$410.00} for the XXXX XXXX. In essence I would have to spend {$830.00} in order to be made whole with my credit and in paying off my XXXX XXXX balance. Lastly, I was told that I could do nothing to close the account until the XXXX XXXX was paid for in full. Because of the glitch in the AppleCard system, I am unable to pay the remaining balance on the XXXX XXXX purchase until all of the credit I have on the credit card is used up in full.
This whole situation makes me question whether I am being taken advantage of by Goldman Sachs. It seems to me if I received a refund for a product or service that I no longer want, I should be able to use that money to pay off another purchase that appears on the same credit card. The credit card vendor should not be in a position to force a customer to engage in additional spending and debt to use a credit like in this situation. Whats more is that I am being forced to spend twice what the original refund that was made to my credit card just so that I can have a {$0.00} balance on the credit card. I never once asked Goldman Sachs for a refund to my bank account. All I was hoping to do was in paying for the remaining balance on the XXXX XXXX I had financed on a monthly pay schedule.The cash refund was originally offered by Goldman Sachs as a workaround due to the limitation of their online system. This offer was later rescinded without any notice or explanation. In fact, with the last interaction with the Goldman Sachs manager ( her name was XXXX ), she told me that neither she nor Goldman Sachs as a company would be accountable or responsible for any earlier promises that were made in trying to rectify this situation. I interpreted this statement as they could say or do anything they wanted and later change their minds without reproach.
I truly believe that this manager and Goldman Sachs are forcing me to spend more money in using a credit that was issue to me rather than apply it to another purchase that was financed with monthly payment using this same credit card. This seems inherently wrong. I would ask that the person reviewing my complaint look into these practices at Goldman Sachs and AppleCard as I have exhausted all avenues at my disposal in handling this issue as a consumer.
Thank you for your time taken to address my concerns.
|
| 09/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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When the XXXX XXXX was in a trial-phase or " early access '' phase, I was invited on XX/XX/XXXX, via email ( attached below ). When I applied, it asked for my full legal name, address, and the last four digits of my SSN. It would then struggle to verify my identity and ask for further information. It would ask me for my full SSN and a picture of my " government-issued ID, '' which I provided. However, since I am under XXXX in the state of Washington, I am issued a vertical ID ; I also opted to have an enhanced driver 's license that complies with the Real ID Act. The XXXX XXXX Applications automated " Photo ID checker looks for a horizontal driver 's license and not a vertical one, and my most recent interaction with an XXXX XXXX Specialist ( attached below ) confirmed this as well. As a result, my XXXX XXXX application becomes denied because the automated ID checker " fail [ s ] to verify my identity '' ( email attached ).
I had tried to work with their XXXX XXXX Specialists since their Preview phase - before this credit card was available to the general public - yet it seems to have fallen on deaf ears as this issue is still not fixed since composing this complaint and more than a month after the XXXX XXXX public release. During Preview phase, I have worked with multiple XXXX XXXX Specialists to resolve this issue - as I know I am not the only person in the United States or Washington State that has a vertical ID for being under XXXX - yet the issue still exists today. I sent in a Feedback report through their feedback website ( email attached below ) ; called, XXXX, and emailed with XXXX Support during their Preview period and after public release ( attached below ) ; and I even emailed XXXX XXXX about the urgency of my widespread problem ( attached below ).
My Feedback and first email to XXXX XXXX were received, and I got a phone call from the executive team saying that, My vertical enhanced driver 's license issued in XX/XX/XXXX was not supported and getting a new one reissued for XX/XX/XXXX is supported. However, once the public release for the XXXX XXXX was done, not only was this verification issue not fixed even after getting a new WA EDL, I instead get an email saying I applied too many times. XXXX Support has told me that I must wait about 30 days from my last application to reapply again. I reapplied again after 31 days with my newly reissued XX/XX/XXXX WA enhanced driver 's license that is vertical, and to my ( not-so ) surprise the application still fails to verify my identity and rejects my application.
I have gotten in touch with an XXXX XXXX Specialist via XXXX once again asking if my XXXX XXXX application can be reviewed manually, and I was told that my account would be marked for review and to expect a call from them within a few days ( XXXX conversation attached ). However, I never got a call a week later. I followed up with an XXXX asking for the status of my application only to be told that they do not support vertical IDs, and my application can not be reviewed manually.
I have tried to work with their support team in any way I can during the Preview period and after the public release of the XXXX XXXX and even emailed XXXX CEO to escalate and resolve this issue. People like myself that have a vertical ID are receiving rejection letters due to the XXXX XXXX application process lacking in manual reviews for circumstances like my own when their automated process fails at doing its job. What is worse is that I am not alone. This has only been documented by one press outlet, which is XXXX, ( XXXX : XXXX ) about vertical IDs not being able to verify an applicants identity. On XXXX, there is a subreddit for the XXXX XXXX where you can find several accounts of this vertical ID issue that remain unresolved with every application ending in rejection or a 30-day deferral due to too many application attempts ( XXXX : XXXX XXXX XXXX XXXX ). There is also a 14-page ( and counting ) forum on XXXX where people have tried working with XXXX Support or an XXXX XXXX Specialist to have their identities verified due to having a vertical ID, yet none of them have been resolved. This issue has tarnished my perspective of XXXX as a credit card service due to their terrible XXXX XXXX support on this matter. I am forced to make this complaint because this vertical ID issue and automated system of verifying IDs have failed other people and myself, and XXXX has provided no other alternatives to apply. Since some states like Washington issue drivers licenses that are vertical for those under the age of XXXX, the XXXX XXXX application process has discriminately rejected my XXXX XXXX application based on my age. Their automated photographic algorithm that is supposed to verify my identity with my drivers license has systematically discriminated against me for being under XXXX with no manual review system set in place to override this error. My most recent interaction with an XXXX XXXX Specialist ( photo attached ) has made it very clear that they have no intent on helping people my age because they can not manually review our rejected applications triggered by our drivers license.
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| 06/16/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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I am filing a complaint against Marcus : Goldman Sachs ( Marcus ) and XXXX. On XX/XX/2022, I transferred {$7500.00} from my XXXX Savings Account to my Marcus High Yield Savings Account. On XX/XX/2022, Marcus completed a reverse transfer of the XX/XX/XXXX transaction without my authorization. Marcus claims that it issued the reverse transfer because it never received the transfer from XXXX. Conversely, XXXX claims that it sent the transfer to Marcus, that Marcus accepted the transfer, and then debited {$7500.00} from my savings account. As a result, I am missing {$7500.00} since the money was debited from my XXXX Savings Account on XX/XX/2022. The money is no longer reflected in my Marcus High Yield Savings Account or was returned to my XXXX Savings Account following the XX/XX/XXXX reverse transfer.
Concerned with this missing money, I have contacted both institutions on several occasions, with each institution giving me different stories as to where my money is and who is to blame. I contacted XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022, and spoke to several customer service representatives and managers. On XX/XX/2022, XXXX, a XXXX customer service representative, informed me that he could see a pending transaction from Marcus and that I should receive that deposit later that evening or the next morning. On XX/XX/2022, I did not receive that money and contacted XXXX again. I spoke to three managers to discuss XXXX information and assurance that I would receive my money, to which XXXX, a XXXX manager, said that XXXX made an error and that there were no pending transactions from Marcus. Similarly, managers XXXX and XXXX also informed me that there were no pending transactions from Marcus. All three managers informed me that XXXX issued the transfer, that Marcus received the transfer for {$7500.00}, and then XXXX debited my account for that transfer.
Similarly, I contacted Marcus : Goldman Sachs on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022. Originally, Marcus informed me that it never received my transfer and that XXXX stopped it due to an error. Marcus provided me the following ACH Trace Number, XXXX, for this transaction. As illustrated in the attachments I provided, it appears that Marcus originally credited my account {$7500.00} on XX/XX/XXXX, then completed a reverse transfer, without my authorization, on XX/XX/XXXX to XXXX. Yet, that reverse transfer has not been credited to my XXXX Savings Account to date.
I attempted to schedule a conference call between the two financial institutions on XX/XX/2022, to discuss this irregularity and to find my money. XXXX denied my request. As a result, I filed disputes over the XX/XX/XXXX and XX/XX/XXXX transactions with both institutions. The XXXX dispute is still pending, however, on XX/XX/2022, Marcus issued a letter regarding its investigation into my dispute. Marcus found in my favor, but still claims that it credited my XXXX Savings Account on XX/XX/2022. On XX/XX/2022, I spoke to a manager, XXXX, who informed me that Marcus was going to re-send the {$7500.00} to XXXX but could not provide me a timeframe as when this transfer would occur and would have another manager contact me within 1-2 business days to provide an update. However, no money was ever sent back to XXXX, and I never received a call back from a Marcus manager.
I contacted Marcus on XX/XX/2022, because I did not receive the update from Marcus, as XXXX assured would happen. While speaking to manager, XXXX, and specialist, XXXX, I was informed that Marcus was no longer going to re-transfer the money because they sent the re-transfer on XX/XX/XXXX, XXXXwhich, again, is a complete reversal of the assurances I received on XX/XX/XXXX. Following this conversation, I received a call from Marcus manager, XXXX ( I am not sure if this was the same XXXX I spoke to on XX/XX/XXXX ). XXXX and I called XXXX to discuss the ongoing issue and we spoke to XXXX customer service representative, XXXX, and dispute representative, XXXX. During this conference call between the parties, XXXX reiterated that it debited my account {$7500.00} and transferred that sum to Marcus on XX/XX/2022, and that it never received a reverse transfer from Marcus on XX/XX/2022. Conversely, Marcus reiterated that it completed the reverse transfer for {$7500.00} to XXXX on XX/XX/2022. At the end of the call, neither financial institution could provide a solution or locate the money because XXXX investigation is still pending.
As I attempt to find where my money is, the two institutions have essentially passed me back and forth telling me to contact the other bank ( except for the XX/XX/XXXX conference call ), blaming the other institution, without an explanation as to where my money is. To date, it has been sixteen days that I have been missing this money. It should not take this long to locate my money and credit my account. Moreover, I should not have to bring these financial institutions to an arbitration hearing or small claims court to receive my money that one or both institutions mishandled.
|
| 10/31/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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I attempted to transfer money from my account in XXXX. I checked a few days later and the account stated that it was locked. I called Marcus by Goldman Sachs to figure out why it was locked on XXXX XXXX at XXXX. After speaking to a rep I was told to call back in 3-5 days. After a few days lapsed, I called back and still have not reached a resolution. I have called several times, with the call notes listed below.
Called Thursday XXXX XXXX - XXXX Spoke with 5 different people including two supervisors about why my account was locked. Previously made a transfer of money out. Have made several transfers of money out of account without issue. Could not resolve issue. Was informed to call back in 3-5 days. Called back on Tuesday, XX/XX/XXXX XX/XX/XXXX XXXX - Spoke to XXXX about Affidavit of Identity Asked about form and to see what I need to do about unlocking account. Also asked why the account was locked. Would not tell me why the account was locked and was sending out form in 3-5 days. Stated form has to be notarized.
XX/XX/XXXX XXXX - Spoke to XXXX Called in for my account and affidavit form that has yet to be sent. Was transferred to supervisor. Asked to speak to someone from legal.
XX/XX/XXXX XXXX Spoke with supervisor XXXX in retrieving contact for legal Goldman Sachs Bank USA XXXX XXXX XXXX XXXX, PA XXXX XXXX Sent in affidavit requested by Marcus via priority and certified mail that cost {$28.00}. Received form on XXXX. Mail was postmarked from Marcus on XX/XX/XXXX, which was not 3-5 days from which I was originally informed that I would receive the form. Certified mail was picked up and received on XXXX in XXXX at XXXX by XXXX XXXX .
XXXX Called in at XXXX ( 36 min call ) and spoke with XXXX in regards to unlocking my account and receiving my funds. Was informed that it had to be reviewed in 5 days. Asked to speak with someone in fraud about the issue due to trying to resolve this issue for a month.
XXXX ( Fraud ) - Spoke to her about my affidavit and she stated it was received and needed to be reviewed. I was also informed that the Document Department reviews it and I would receive a call on Monday.
XXXX. Still no call from Marcus about my account after sending in requested affidavit document XX/XX/XXXX Called in at XXXX ( 31 minute call ) Spoke to XXXX XXXX after being prompted for help via automated line. She stated she was not fraud and would transfer me over to someone in the unit.
XXXX who was in the fraud unit stated that he was with another part of fraud had to transfer me to Fraud for Online Savings.
XXXX ( Savings Specialist ) stated that the AOI was just received today, which was incorrect. She stated that she would have to transfer me over to another unit for Fraud.
Speaking with XXXX in the Fraud Dept who stated that it would take 10 days to review the XXXX. This is conflicting with information that I received with XXXX. Received this address for attorneys to send in info : Goldman Sachs Bank USA Attn : Official Document Review Team XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Called at XXXX and spoke with XXXX who transferred me to Fraud Dept. I then spoke with XXXX from Fraud Specialist. Reggie informed me that the form was received, but that the seal was not on the form. I mailed in the original form notorized with the seal via certified mail. Copies were made of the original form for verification. I lashed out at XXXX about the number of times Ive had to call in about my account and asked to be transferred to a manager about my account. On hold for over 15 minutes and no one came to the phone. Was hung up on and transferred to a survey line.
XX/XX/XXXX XXXX Called back to speak to fraud dept. XXXX answered the phone and transferred me to XXXX. XXXX finally sent me a one time code and still did not assist me in resolving this matter. I expressed GM frustration about the process and was told that it had to be escalated to another dept. After continuing my frustration, XXXX hung up on me and did not attempt to resolve the matter.
XX/XX/XXXX XXXX Called to have account unlocked and spoke to XXXX. Transferred to fraud specialist XXXX and she stated that my information was confirmed, but that the seal could not be read. I also asked why was my account locked and she informed me that it was because of a phone number change. I have changed my phone number several months ago and made several transfers in/out of my accounts. I expressed to XXXX that people change phone numbers all the time and that it didnt make sense. I expressed My name, birthday, SSN, address never changed and that a phone number change should not justify locking an account. I couldve been easily called and asked to verify my identity if I received a PHONE CALL.
I asked XXXX would I reimbursed for sending in the certified mail as this would be my SECOND time mailing out this form. She stated that she would make a note of it. Thankfully I had copies made of the original blank form. Got the form notarized AGAIN and made copies of the signed form. I went to USPS and sent next day shipping certified mail with signature confirmation for {$28.00}.
|
| 09/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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Subject : BILLING ERROR Re : APPLE CARD ( Goldman Sachs ) Ive sent a registered security for payment to the Principal Executive Office Address of Goldman Sachs Bank on XX/XX/XXXX via USPS Registered subject to the Trust Indenture Act of 1939, Securities Exchange Act of 1934, UPU Treaty of 1863, the Bill of Exchange Act of 1882 regarding equitable securities which also are not limited to but include debt instruments set in replacement of Floating Rate Notes to apply accreditation as debt instruments are rendered to you for the sole purpose of balanced book adjustment as legal tender to lower and reduce the UNITED STATES national debt.
The credits of the payment was supposed to be processed, and the book entry was supposed to show that nothing was owed. I called USPS to confirm that the Registered Security was delivered. They stated that it was delivered to a Mailing Agent for final delivery at Goldman Sachs. I called the Principal Office at the phone number listed on the SEC Indenture Agreement filings to confirm receipt of the Registered Security, and was transferred to the mail room and told by the mail room attendant to send an email to an internal email address in order to confirm receipt of the Registered Security. Upon sending the email, I received two MailerDaemon notices stating that my email was blocked and that email did not receive external emails. I called Office of Goldman Sachs again and asked for the corporate secretary. The representative asked who the mail was attention to and I advised it was the CFO ( XXXX XXXX XXXX XXXX ), the rep stated that they would take my name and number and advise XXXX XXXX 's office of the message.
In an attempt to remedy the matter I have also sent a Billing Error notice, Per the instructions outlined in the Apple Card statement under Billing Rights Summary which states : What to Do If You Think You Find A Mistake on Your Statement : If you think there is an error on your statement, write to us at : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In your letter, give us the following information : Account information : Your name and email address associated with your account.
Dollar amount : The dollar amount of the suspected error.
Description of Problem : If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.
While we investigate whether or not there has been an error, the following are true : We can not try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Per the instructions above I am asserting, once again, that the amount of {$4600.00} billed out on XX/XX/XXXX is a charge I am not liable for and I've sent the appropriate payment instrument which should have applied to the full balance. I am within the 60-day allotment period for the billing error notice.
Under the below codes and regulatory provisions, my balance is to be discharged and no adverse actions are to be taken with regard to my account. Also my credit report is to be updated with the accurate information, as securitized payment coupon has been sent to the company yet has not been applied to the to the balance.
Please see below list of codes that applies to this case for your reference : Regarding My Credit Report 12 CFR Part 1026 ( Regulation Z ) 1026.13 Billing error resolution and 15 U.S. Code 1666d Regarding My Registered Security 3-603. TENDER OF PAYMENT.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION.
( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record
|
| 12/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
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I am aware that Goldman Sachs Bank in under investigation for deceptive and predatory practices within their credit card business unit. That said, I would like to share my recent experience as follows : In XX/XX/XXXX, I was approved for a Goldman Sachs Bank Credit Card ( Apple Card ) and given {$30000.00} credit limit based on my credit worthiness. My account was immediately set up for auto-pay of statement balance at the end of each statement period to avoid late fees and interest. My account was paid on time every month from XX/XX/XXXX until my issue with the bank in XX/XX/XXXX.
In XX/XX/XXXX, I added a new bank account via the credit card website and checked the box next to the new bank account as the new default account for auto-payment.
I noticed a {$100.00} interest charge to my Goldman Sachs credit card account on XX/XX/XXXX and immediately contacted Goldman Sachs to find out why. The customer service representative said that my auto payment for {$4400.00} ( amount due per my statement ) was pulled from the old bank account and was declined because of insufficient funds. Although I believe it was the bank 's error in pulling the funds from the wrong account, I told the agent I wanted to settle up the account. She manually processed my payment of {$4400.00} ( amount due per my XX/XX/XXXX statement ) and said I was stuck with the {$100.00} interest fee for paying the statement amount " in full '' on XX/XX/XXXX ( 3 days late ). She said my auto pay was now corrected and would pull from the new bank account moving forward. Although she couldn't determine why the error occurred, she said she did not have the authority to waive the fee, even if it was a bank error. At this time she did not alert me that the bank would be taking away the " grace period '' and would begin charging me interest on any unpaid balance. I hung up the phone believing that my account was settled up and the terms and conditions governing interest fees remained as it was for the previous XXXX XXXX years I have had the card. I'm sure the bank has the recording of this conversation to document I was not advised properly. The bank can see a new bank account was entered before the statement balance was due and that this account was always paid on time via auto pay. At a minimum, a logical person can see that the intent was for the XXXX statement balance to be paid, based on previous payment history and proof that the new bank account information was logged in properly prior to payment due.
On XX/XX/XXXX, I noticed yet another interest charge of {$110.00}. I immediately contacted Goldman Sachs for an explanation, to dispute the charges and to speak with someone that had the authority to reverse the fees. The XXXX balance due on my monthly statement of {$6100.00} was paid on time ( XX/XX/XXXX ) and the XXXX statement balance of {$4400.00} ( paid 3 days late ) was paid in full. However, at this point I have now incurred {$210.00} of total interest charges. How could this be? Unfortunately, Goldman Sachs card specialists could not explain.
From XX/XX/XXXX to XX/XX/XXXX, I had written and verbal conversations with multiple Apple Card ( Goldman Sachs Bank ) specialists who could not explain why my account was continuing to accrue interest charges and what needed to be done to stop the interest charges. Each rep said that they either understood me or felt the charges looked incorrect, but they didn't have the authority to waive the fees beyond {$25.00}. Each supervisor I spoke with said the same thing and then said a XXXX would call me back within XXXX business days. When a XXXX did call me back, they also said they did not have authority to waive fees regardless of whether they agreed with me or not. Finally, after a XXXX hour conversation with XXXX XXXX card XXXX ) on XX/XX/XXXX, he was the XXXX Goldman Sachs employee that was able to explain the interest charges and that interest was continuing to accrue as we spoke. But, my call ended like all the others. He seemed to want to help and I believe he would have reversed the fees if he could, but he did not have the authority beyond {$25.00}.
In summary, the Goldman Sachs credit card customer service department is unable to communicate how interest fees are charged, continued to be charged despite paying monthly statement balances and how & when grace periods are revoked & how to restore them. They are well trained in telling customers that they don't have the authority to resolve an interest fee over {$25.00} and that they can't connect you with a XXXX that has the authority. You are told a XXXX will call you back within XXXX business days, however, the individual that calls you back lacks any authority to resolve the dispute ( anything over {$25.00} ) and is unable to explain how interest fees and grace periods work or that interest fees are continuing to accrue.
Despite my attempts with every representative I communicated with, the organization is unwilling to allow card holders from speaking to the individuals that have the authority to make decisions or resolve disputes.
|
| 01/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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Brief Summary : Apple has been manipulating statement totals for my credit card and has been charging me more than my actual purchases for the last three months. They initially accepted that this was a mistake and will get it rectified but are now ignoring my calls/messages and refusing to even give me a reference number for the issue. They are unwilling to resolve this issue. Seems like an intentional thing they are doing to defraud customers and make money.
I received an email on XXXX/XXXX/XXXX informing me that Apple card is finally here and I'm invited to apply. The thing that caught my attention was " A new kind of credit card. Created by Apple, not a bank. ". Being an Apple fan for years, I immediately applied trusting Apple. I was approved and the card was immediately added to my mobile wallet while it took a few days for me to receive the physical card. Ever since I received the card, I have only been using the Apple credit card for all my purchases.
Everything was fine until XX/XX/XXXX. On XX/XX/XXXX, I felt like I was being charged for more than what I'm purchasing so I looked at my transactions in the app and the total amount and was surprised to see that there was a difference in the total! I immediately reached out to customer care through chat to get a clarification but the agent did not understand the issue and was making confusing statements. So I decided to wait until the statement generation date - XX/XX/XXXX so that I can look at the statement and manually calculate the total. Finally when I received the statement I put all the transactions ( both credits and debits ) into an XXXX sheet and calculated the totals - to my utmost surprise there was a {$2.00} difference in the total i.e., the total of the transactions was only {$960.00} while I was charged {$970.00}. I decided to do the same for the previous months statements and realized I was being overcharged for the last 3 months.
XX/XX/XXXX - Actual : {$960.00}, Statement Total : {$970.00} XX/XX/XXXX - Actual : {$810.00}, Statement Total : {$810.00} XX/XX/XXXX - Actual : XXXX, Statement Total : {$990.00} XX/XX/XXXX and XX/XX/XXXX : Actuals and Statement Totals were matching.
This is when I was very upset about how Apple is trying to steal money from its customers and immediately reached out to customer care on XX/XX/XXXX to check on this. The first agent looked at everything and said he will have to connect me to a supervisor to provide a solution for this ( I'm assuming the agent realized the miscalculations and didn't want to accept it ). The supervisor accepted that there were mistakes in the statements and said he will raise a ticket to get these charges corrected ( please refer to Screenshot 1 ). And when I asked for a reference number, the supervisor refused to give me one and said it takes 48 hours to generate a ticket number! Which is very strange given every customer care is able to generate a ticket number instantly. I asked the person to at least send me an email acknowledging the issue and they outright refused and said they can not email.
I waited until XX/XX/XXXX, and reached out through chat again for the ticket number as it has been more than 48 hours but now they tell me that " the case is open it is moved to a different department for review. There is not a number to provide you but you would be notified upon completion '' which is surprising because if they are actually transferring a case then the case must have a reference number. I was not willing to let go of this so I persistently kept asking for a ticket number and the agent just gave me a number " XXXX ''! If there was no ticket number until 5 minutes ago where did this person get this number from and how do I believe this is even a real case number?
I called up the customer care on the same day to find out what on earth is going on and I kept getting different messages from different people. I spoke to multiple agents and multiple supervisors but none of them did anything. One of the supervisors started saying " this is an issue related to Goldman Sachs and you better talk to them ''. Then why do you keep saying Apple card? Why did you introduce this as Apple Card? And when I asked him how I could trust Apple card to generate statements accurately even going forward he said if you have a problem you can cancel the card and get some other card!
It is XX/XX/XXXX today, and I haven't heard anything from Apple and/or Goldman Sachs yet. I strongly believe that Apple and Goldman Sachs are trying to defraud customers like me by manipulating statement totals and making them pay more than what they actually used the card for. Given that this card must be used by millions of customers Apple and Goldman Sachs must be making millions of dollars every month.
Above this, if Apple card can not take responsibility of issues with its card and keeps pushing the blame on to Goldman Sachs why should this card be called Apple Card? And isn't Apple cheating its customers by declaring that this card is from Apple and not a Bank?
|
| 05/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have a longstanding monthly installment plan with Apple Card ( {$530.00} ) that is paid automatically from my XXXX XXXX checking account. At the very end of XXXX, XXXX, I learned that fraud was being committed on the XXXX XXXX checking account, so I closed the account. Knowing that Apple Card would not get its regularly scheduled payment on XX/XX/XXXX, I called them and told them about the fraud and gave Apple Card the information to " pull '' payment from a different bank account of mine for the XXXX payment and for all subsequent payments. Apple Card was appreciative the notice, and they successfully obtained a timely {$530.00} payment from XXXX XXXX. I thought all was well until I looked at my XX/XX/XXXX statement.
On XX/XX/XXXX, Apple Card made a " balance adjustment '' to my Apple Card balance and charged me {$530.00}. The consequence of this charge would be that they were going to charge me a double payment at the end of XXXX ( {$1000.00} ) plus interest. I was alarmed by this and called Apple Card immediately.
The Apple Card specialists were as mystified by the " balance adjustment '' as I was. They could see that my XXXXXXXX XXXX payment was cancelled. They could see that my XXXXXXXX XXXX picked up payments timely, so they were not able to explain to me why they had made the {$530.00} " balance adjustment. '' I disputed the charge and they said they would try to fix it. They extra large payment was deferred temporarily.
Two weeks later I received an email claiming that the " balance adjustment '' was correct. This is what the Apple Card email said : " Your Inquiry has been investigated. You contacted us on XX/XX/XXXX regarding a payment to your Apple Card account. Goldman Sachs Bank USA has investigated your Inquiry and determined that no error occurred. Your payment of {$530.00} was refunded to your bank account ending in XXXX as requested on XX/XX/XXXX. Your bank then returned the payment on XX/XX/XXXX, which increased your outstanding balance by {$530.00}. You can view your payment history, monthly balance, minimum payment due, and payment due date in Wallet by tapping on your Apple Card or by accessing your most recent statement. '' This email is deranged and inexplicable. So I again called Apple Card. After several more phone calls, I learned the following : 1. When I told Apple Card that they would not receive the regularly scheduled payment from my cancelled checking account, Apple Card WITHOUT MY ADVICE, AUTHORIZATION OR CONSENT sent {$530.00} to XXXXXXXX XXXX! They call this the " refund cycle '' and it is an automated event that they claim they can not control. ( They explained that ordinarily when these " late '' payment cancelations occur, the money still comes in from the paying bank because it can not be stopped in time, so they refund the money back as a customer service. ) Of course, in my case, NO MONEY WAS EVER SENT from XXXXXXXX XXXX to Apple Card, because I had locked down that account due to fraud and then subsequently closed it entirely.
2. Because Apple Card was now {$530.00} poorer, by their voluntarily sending {$530.00} off to a closed XXXX XXXX Checking account, they decided to make themselves whole by taking the money from me ( the " balance adjustment '' ).
3. I have never received the {$530.00} erroneously send by Apple Card to my defunct and closed XXXX XXXX checking account.
4. Apple Card says now that they were " expecting '' that XXXX XXXX would just " send the money back '' on their own, but since XXXXXXXX XXXX did not, Apple Card stole ( defrauded, embezzled ) the funds from me via a unilateral " balance adjustment. '' 5. Losing {$530.00} by Apple Card programming error is bad enough, but then Apple Card unilaterally recovering the lost funds from their customer is even worse. Indeed, it is a crime in my home state of Washington.
6. Insult on injury, Apple Card has assessed me interest charges on the {$530.00} ; {$8.00} on XX/XX/XXXX and growing.
Before I complain to the Washington State Attorney General that Apple Card is stealing from me, I thought I might let you ( CFPB ) see if you can get Apple Card to reverse the unauthorized " balance adjustment. '' They won't even reverse it TEMPORARILY while they try to find the " lost '' money they sent off into wild, so I expect them to extract {$1000.00} from my XXXX XXXX at the end of this month. ( I should not have to say how burdensome it is to pay an additional {$530.00}. ) My last communication ( the sixth ) with Apple Card was XX/XX/XXXX for nearly an hour. And while the Apple Card Supervisors are all professional and apologetic, they are also completely powerless to help me. And they tell me there is no one " higher '' that I can complain to at Apple Card or get assistance from. Well, there certainly is : you.
I have suffered the indignity of multiple hours of lost time ( I am on vacation in XXXX BTW, so this is eating up my vacation fun ) to try and " stop the steal '' : ) Can you help me?
|
| 05/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Dear CFPB, I am filing a complaint regarding Goldman Sachs Bank 's credit card dispute process. I opened two disputes XXXX & XXXX ( re-open of initial dispute ). The next paragraph is a summary and basic details about the purchase for context, then I return to this dispute with Goldman Sachs Bank in the subsequent paragraphs.
I purchased a coffee maker advertised on XXXX, using a mobile web platform on XX/XX/XXXX, for {$490.00} ( U.S ). I realized at the time of purchase the company was based in XXXX, but assumed the merchandise would be designed for XXXX XXXX since the product promotion was on XXXXXXXX ( U.S ), and provided screenshots to support these facts. On XX/XX/XXXX I reached out to the merchant after the thought crossed my mind to check and make sure the machine worked in the U.S. I provided copies of the email exchange to Goldman Sachs Bank as did the merchant. It wasn't until XX/XX/XXXX the merchant informed me by email the machine would not work in XXXX XXXX unless I purchase a voltage converter ( expense and scary ). The product is not designed to work in XXXX XXXX ( wrong voltage ) and the cord will not work outlets in the U.S. The merchant informed be after additional emails ( also provided to Goldman Sachs Bank ) I was expected to send the machine back at my own expense and if there was any damage to the box or machine upon arrival back in XXXX, they would not provide a refund. None of this information or their XXXX page or mobile website. I felt like this was a scam. Why advertise a product in the U.S. that is not designed for or work in the market? I felt the merchant expected me to take all the risk. I already paid {$80.00} to ship the machine to the U.S ( purchase price was {$410.00} + {$80.00} shipping ), now I would pay to ship it back, plus the merchant would decide if I receive any refund once they receive the machine back? The merchant is already shady advertising products in the U.S. markets that don't work, so why should I trust them? I advised the merchant I was disputing the transaction.
I opened my original dispute XXXX or around XX/XX/XXXX ( date of provisional adjustment of {$490.00} ). To open the dispute, the interaction was minimal, I did everything through the mobile app in a couple of clicks. I received several email updates from Goldman Sachs Bank during the dispute investigation which provided status updates and indicated that I would be contacted and allowed to submit evidence prior to any resolution. On XX/XX/XXXX I was informed " we're reviewing the merchant 's response for your Apple Card transaction dispute. '' The email again says I will have a chance to submit and they will reach out when its time. Three days later, XX/XX/XXXX I was informed, " your Apple Card transaction dispute investigation is complete and the merchant charge ( s ) will remain on your account. '' It goes on to say, " The evidence received shows that no credit is due because you agreed to the merchant 's terms and condition at the time of purchase. '' I was angry! Not only did Goldman 's Sachs Bank not follow their own process ( allowing me to submit evidence ), but the justification doesn't make sense to me.
On XX/XX/XXXX, I called the Apple Card/Goldman Sachs Bank support and tried to reopen ther dispute, but I was told they could not do that, but they would create a new dispute and reference the original, so XXXX was created. Again I asked when opening and through subsequent emails when would I be able to submit my evidence? I was advised to submit through the mobile app chat function, then after calling customer support and being transferred multiple times, I was told the supervisor could help ( 4th person ). She advised me she could not and I would receive an email. I was finally able to submit my evidence ( a PDF document ) via chat in XXXX. On XX/XX/XXXX, I finally received an email from Apple Card requesting I submit my evidence, which I did submit the exact same file again. Today, XX/XX/XXXX ; I was notified " Your Apple Card transaction dispute investigation is complete and the merchant charge ( s ) will remain on your account. '' The reason provided, " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim. '' I wholeheartedly disagree with this decision and do not feel like the dispute process was followed ( first case ) and " there is no evidence to substantiate the claim '' is factually incorrect ( within the context of use ). I have attached the PDF file I submitted to Goldman Sachs Bank.
I would also like to point out that since I have contacted the merchant they have removed all references for the product from their U.S. XXXX account and their website. The only evidence I can provide are the screenshots I took of XXXX and of their mobile website earlier in the case.
|
| 11/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I made a payment to Apple/Goldman Sachs on Friday, XX/XX/2021 in the amount of {$3800.00}. It posted to my bank account on Monday, XX/XX/2021. Apple/Goldman Sachs still has not reflected receipt of that payment in my Available balance. This failure to reflect the correct balance will negatively and inaccurately effect my credit score and credit utilization percentage, damaging me since the statement close date was XX/XX/2021, and they've already reported to the credit reporting agencies. THIS IS A VIOLATION OF REPORTING THE MAXIMUM POSSIBLE ACCURACY, Fair Credit Reporting Act 15 USC 1681e. It is also abusive, unfair and deceptive business practices. Being that Apple/Goldman Sachs refuses to accurately reflect my payment on the account, it appears as if they have stolen my funds to be able to use as they please until XX/XX/2021. THIS IS HARASSING, ABUSIVE, UNFAIR AND DECEPTIVE BUSINESS PRACTICES, which is a violation of the Fair Debt Collection Practices Act, Section XXXX of the Federal Trade Commission Act. THIS IS A VIOLATION OF GENERALLY ACCEPTED ACCOUNTING PRINCIPLES regulated by FASB, which all financial institutions and publicly traded companies must follow. I received an Apply Card on XX/XX/2021 with a credit limit of {$8500.00} for everyday usage. I began using my card on XX/XX/2021. What I charged on XX/XX/2021, I paid off on XX/XX/2021 through XXXX XXXX, so the payment was immediately applied to my Apple Card. I started getting declines on XX/XX/2021. I literally spent 4 consecutive hours on the phone with Apple Card Services and Goldman Sachs that evening verifying that my identity had not been stolen, that I was indeed the one making the purchases, and my account had not been compromised. I was asked by the Apple Card rep, '' What transactions would you like us to approve? '' I told her, " All of them. I shouldn't have to call you before every transaction to ask permission to use my credit when I've been approved up to {$8500.00} and I'm not at my limit. '' That night, a manager at Goldmans Sachs had to issue me a new online purchases card number because after every cleared transaction, the very next transaction would decline again. They verified my identity and even pinged my cell phone with a code to read back to them, and asked me security questions regarding addresses I'd lived at over 20 years ago. I continued using the Apple Card for daily transactions, and paying them off through XXXX XXXX the next day. On Friday, XX/XX/2021, I made a payment in the amount of {$3800.00} directly from my bank account instead of XXXX XXXX since I had maxed out the weekly amount that I could transfer from my bank to XXXX XXXX. This payment did not reflect in my Available amount on my Apple Card. It said that it may take a several days to reflect the payment. On Saturday, XX/XX/2021, I made an XXXX XXXX payment in the amount of {$1300.00}. It immediately reflected in my Available credit. After using my card 3 times on Saturday, XX/XX/2021, Apple/Goldman Sachs began declining my transactions again. On Saturday, XX/XX/2021 I spoke with Goldman Sachs Apple Card supervisor, XXXX, employee ID # XXXX. XXXX refused to tell me why my account was under review. He said that he would push my payment through. I demanded that he file a formal complaint and have upper level management contact the following morning. The complaint number provided to me by XXXX is # XXXX. He told me he scheduled an appointment for upper level management to contact me at XXXX EST on Sunday, XX/XX/2021. I found out today from XXXX at Apple/Goldman Sachs , that Apple/Goldman Sacs XXXXard Services Supervisor , XXXX XXXX knew that upper level management did not work on weekends. He also did not " push my payment through '' as he disclosed. He also fabricated the story that he could not disclose why my account was under review. I informed him that his failure to give full disclosure was a violation of my consumer rights. This morning, I spoke with XXXX at Apple/Goldman Sachs who indeed explained that my payment was flagged and being held until XX/XX/2021, and that there is no way to push it through. It is out of her control. The {$3800.00} been taken from my bank account by Apple/Goldman Sachs , but they refuse to reflect the payment in my Available credit. On Wednesday, XX/XX/2021, supervisor, XXXX said that my account was no longer under review. She disclosed, what XXXX refused to, that it was under review on Saturday because they needed to verify my identity. How many times do I need to verify my identity to Apple/Goldman Sachs ? I've done it numerous times over the past 2 weeks. I do it every time I call in. This is harassment and discrimination now, and denying me equal opportunity access to credit. My Apple Card is not frozen anymore, but my credit limit has been reduced to {$4600.00} instead of {$8500.00} by Apple/Goldman Sachs refusing to reflect my payment in my account.
|
| 12/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have extended Goldman Sachs Bank USA, my social security card to establish a fiduciary relationship, between Goldman Sachs and myself. In exchange for Goldman Sachs to in return extend a line of credit to my persons, to conduct acts of commerce. The mentioned transaction resulted in the creation of my XXXX XXXX XXXXnding in XXXX, an open-end consumer credit plan. Per my last billing statement provided by Goldman Sachs they're attempting to collect an extension of credit. As defined under XXXX use XXXX to collect an extension of credit means to induce in any way any person to make repayment thereof. Goldman Sachs Bank USA has knowingly furnished false credit information to the credit reporting agencies as a means of coercing payment on this extension of credit by the use of unlawful extortionate means. I have reason to believe Goldman Sachs had prior knowledge that punishing a consumer for the nonrepayment of an extension of credit by engaging in extortionate means is a violation of the False Claims Act and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX. Goldman Sachs is demanding a minimum payment of {$700.00} immediately, or they're going to furnish more negative information to credit reporting agencies thatll cause harm to my persons, reputation and property, which is my consumer credit file. I have proof that within the last fiscal year Goldman Sachs voluntarily, willingly and intentionally reported false late payments, on the credit card account, which is under an open end consumer credit plan, to credit reporting agencies on the extension of credit and are using extortionate means in attempts to coerce repayment of said credit which violates Federal law. Per review of the FCRA there isnt a single law that allows a creditor to report negative information without the consumer in which it relates to prior consent, nor requires you to report the information youre choosing to report or makes legal the reporting of the alleged late payment on this account youre choosing to falsely report. In fact your reporting is in direct violation of the FCRA seeing as though this extension of credit is an open ended credit account and a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Your choice to furnish false late payments on this extension of credit, to credit reporting agencies seems to be an attempt to jeopardize my consumer credit reputation and coerce me into funding your organization. All in which demonstrate that your bank is engaging in racketeering activities and attempting to coerce a consumer to fund your organization. Seeing that this credit card is an open-end consumer card & extension of credit, Goldman Sachs , is in violation of the False Claims act. Goldman Sachs is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. Your enterprise should know that punishing a consumer for the nonpayment of an extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institution constitutes aggravated identity theft 18 U.S. C 1028A and violation of the XXXX act 18 USC 894. Whoever knowingly punish any person for the nonrepayment of an extension of credit by extortionate means shall be fined under the title or imprisoned not more than 20 years. As required under the law pattern of racketeering activity requires atleast two act of racketeering activity, one of which occurred after the effective date of this chapter and the last of which occurred within ten years ( excluding any period of imprisonment ) after the commission of a prior act of racketeering activity. Your actions of furnishing said late payment on my consumer credit file is a means of communication to collect the extension of credit by extortionate means as defined under the law 18 use 894. Your action shows a pattern of racketeering activity as defined under 18 U.S.C 1961 & I have reasonable cause to believe that Goldman Sachs has made this extension of credit with intent to extort me as a consumer which violates 18 USC 893. The intentional furnishing of the false credit information violates the FCRA. I am demanding Goldman Sachs provide me with documentary material ,15 USC 44, of any law the requires Goldman Sachs to furnish late payments on a consumers credit file. A copy of a card holder agreement does not prove anything. If your enterprise sends me a card holder agreement, I will take that as your complete disregard for the law and my financial reputation and move to file suit for the intentional infliction of emotional distress I receive on behalf of these extortionate tactics. Your actions have damaged my financial reputation and has caused severe anxiety, distress and has severely crippled my livelihood, and needs to cease immediately.
|
| 09/27/2022 |
No |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have a substantial balance with this bank. But their Customer Service has been very horrible and criminally incompetent recently. Here are my exact complaints- First. For about a month I am struggling to get a simple conformation that Marcus 's account titling requirements meet the FDIC requirements revocable trust accounts as listed FDIC 's website ( details below ). I have spent about 11+ hours on the phone with these guys and the amount of sheer ignorance, incompetence and stupidity ( I'm sorry to use this word but no way to sugar coat this ) I have seen is unbelievable. And I have heard all this nonsense on recorded lines. To this day, I have not received anything in writing that sys that Marcus meets these requirements.
https : XXXX Coverage and Requirements for Revocable Trust Accounts 1. The account title at the bank must indicate that the account is held pursuant to a trust relationship. This rule can be met by using the terms payable on death ( or POD ), in trust for ( or ITF ), as trustee for ( or ATF ), living trust, family trust, or any similar language, including simply having the word " trust '' in the account title. The account title includes information contained in the bank 's electronic deposit account records.
- Second. Before I transferred my substantial saving to Marcus, I checked, double checked, and triple checked that if they want to check my ownership of my external accounts, please do it now and don't give any hassle later if I want to move my money out. And again, I have been lied to multiple times on recorded lines. Just in last week itself, first they put some sort of restriction where I can't even move {$50.00} from my one Marcus account to another Marcus account. If that wasn't bad enough, the website shows this restriction as a technical error and keeps asking me to try again. Finally after trying like an XXXX multiple times, I had to waste an hour on the phone. Please see the attached image. Then 2 days later, they again put some different sort of restriction where I cant even log on to the website. When I called, I was told that they tried to call me which was a flat out lie and I can prove that. Again had to spend like 45 minutes on the phone. I filed complaints for all these cases but they go into a black hole and no one ever contacts you back.
- Third. Since last week, whenever I try to link and external account through the instant
linking option, it just shows me a blank pop up with no text or message on it. I have called them about 5 times and I keep getting the same stupid answers. Just today one agent told me that it works " sometimes ''. I needed to do an urgent ACH now but I am unable to do it. I cant even ask them to do a wire as the other bank charges wire transfer fees and manual external account linking takes days. They keep telling me that there is no restriction on my account and that it is a website issue but I just checked with 2 other people who have Marcus accounts and they dont have this issue. So obviously these Marcus agents are either clueless or simply lying again which is like a habit for them. Please see the attached pdf.
- Fourth. They simply refuse to link certain bank accounts e.g. XXXXXXXX XXXX ( Routing number XXXX ) without providing any reason. If I had the option to do an ACH transfer, I wouldn't even bother with the hassle of doing a wire transfer.
- Fifth. I was told on a recorded line by 2 supervisors that if I ever want to do a wire, all I need to do is call and they will verify my information and ask me to verify a code sent through text and that would be all. Again a flat out lie. Tried to do a wire transfer today because they wont let me link the account for ACH and had to spend at least an hour with their security department on 3 way calls with the external banks. I told that lady to verify the other external accounts as well so that I don't have to go through this hassle again but of course no. This is the same exact thing that I was told wont happen by Marcus 's agents on recorded lines.
The whole thing is set up so that they do minimal verification when the funds are coming in but when the funds want to go out, they throw in all sorts of hassles and then hide all that non sense and incompetency in the name of security. They wont verify anything proactively even when a customer requests them to repeatedly. They will repeatedly put restrictions on accounts without any notifications and will put the onus on the customer to call them and waste hours on phone to get them resolved. They have no qualms about repeatedly lying to customers on recorded lines.
To the Marcus person who is responding to my complaint, I can prove every single thing I have stated above with the dates times and names of the people involved. So please dont even bother saying that none of this happened to try to present an alternate reality of this. Thanks
|
| 11/18/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Today, I received an email receipt from Apple indicating that I was charged for monthly automatic renewal of XXXX XXXX+. I did not sign up for this renewal. I used XXXX XXXX for free during a trial period but did not continue the subscription and did not use XXXX XXXX during the time period I was charged. While Apple has made it very easy to charge my credit card without my consent they made it VERY difficult to revoke the auto renewal and to refund my money. In fact, they said via chat there is a refund review process that takes about 48 hours to determine whether they'll refund charges that never should have happened. This comes after Apple charging me interest for an Apple card purchase that should have been 0 interest and making it IMPOSSIBLE to get a refund unless you purchase additional Apple products. Today 's receipt follows, and if it's possible I will attach a screen shot of the very unhelpful chat.
Receipt Save 3 % on all your Apple purchases with Apple Card.1 Apply and use in minutes [ XXXX ] 2 XXXX XXXX XXXX BILLED TO XXXX .... XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ORDER ID XXXX [ XXXX ] DOCUMENT NO.
XXXX XXXX XXXX XXXX XXXX ( Automatic Renewal ) XXXX XXXX ( Automatic Renewal ) ( Monthly ) Renews XX/XX/2021 Report a Problem [ XXXXXXXX ] {$4.00} Subtotal {$4.00} Tax {$0.00} TOTAL {$5.00} Save 3 % on all your Apple purchases XXXX
Apply and use in minutes [ XXXX ] 1. 3 % savings is earned as Daily Cash and is transferred to your Apple Cash card when transactions post to your Apple Card account. If you do not have an Apple Cash card, Daily Cash can be applied by you as a credit on your statement balance. 3 % is the total amount of Daily Cash earned for these purchases. See the Apple Card Customer Agreement for more details on Daily Cash and qualifying transactions.
2. Subject to credit approval.
To access and use all the features of Apple Card, you must add Apple Card to XXXX on an XXXX or XXXX with XXXX or XXXX XXXX or later. Update to the latest version of XXXX or XXXX by going to Settings > General > Software Update. Tap Download and Install.
Available for qualifying applicants in the United States.
Apple Card is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch.
If you reside in the US territories, please call Goldman Sachs at XXXX with questions about Apple Card.
Get help with subscriptions and purchases. Visit XXXX XXXX [ XXXX ]. Learn how to manage your password preferences [ XXXX ] for XXXX, XXXX XXXX, and XXXX XXXX purchases.
You have the option to stop receiving email receipts for your subscription renewals. If you have opted out, you can still view your receipts in your account under Purchase History. To manage receipts or to opt in again, go to Account Settings [ XXXX ].
Apple ID Summary [ XXXX ] Terms of Sale [ apple.com ] Privacy Policy [ apple.com ] Copyright 2021 Apple Inc.
All rights reserved [ apple.com ] Receipt Save 3 % on all your Apple purchases with Apple Card.1 Apply and use in minutes [ XXXX ] 2 XXXX XXXX XXXX ORDER ID XXXX DOCUMENT NO.
XXXX DATE XX/XX/2021 BILLED TO XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Automatic Renewal ) XXXX XXXX ( Automatic Renewal ) ( Monthly ) Renews XX/XX/2021 Report a Problem [ XXXX ] {$4.00} Subtotal {$4.00} Tax {$0.00} TOTAL {$5.00} Save 3 % on all your Apple purchases XXXX
Apply and use in minutes [ XXXX ] 1. 3 % savings is earned as Daily Cash and is transferred to your Apple Cash card when transactions post to your Apple Card account. If you do not have an Apple Cash card, Daily Cash can be applied by you as a credit on your statement balance. 3 % is the total amount of Daily Cash earned for these purchases. See the Apple Card Customer Agreement for more details on Daily Cash and qualifying transactions.
2. Subject to credit approval.
To access and use all the features of Apple Card, you must add Apple Card to XXXX on an XXXX or XXXX with XXXX or XXXX XXXX or later. Update to the latest version of XXXX or XXXX by going to Settings > General > Software Update. Tap Download and Install.
Available for qualifying applicants in the United States.
Apple Card is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch.
If you reside in the US territories, please call Goldman Sachs at XXXX with questions about Apple Card.
Get help with subscriptions and purchases. Visit Apple Support [ XXXX ]. Learn how to manage your password preferences [ XXXX ] for XXXX, XXXX XXXX, and XXXX XXXX purchases.
You have the option to stop receiving email receipts for your subscription renewals. If you have opted out, you can still view your receipts in your account under Purchase History. To manage receipts or to opt in again, go to Account Settings [ XXXX ].
Apple ID Summary [ XXXX ] Terms of Sale [ apple.com ] Privacy Policy [ apple.com ] Copyright 2021 Apple Inc.
All rights reserved [ apple.com ]
|
| 10/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I have applied for Apple Card by Goldman Sachs multiple times with the same generic decline message each and every time. On my XXXX, XXXX, and XXXX credit files I have placed an initial fraud alert. This alert prompts lenders to call and verify a credit application made in my name, as well as notifies lenders to take extra steps to verify my identity before extending credit. I have this in place to help deter potential identity theft.
After each application, I called Apple Card credit customer service XXXX, with the same reason for my call. Nobody from the customer service department or the fraud department could give me any further details pertaining to being unable to verify my identification information. Citing they can not provide such specific details due to privacy reasons. All these representatives direct me to the apple website to learn how the Apple Card application is reviewed as well as the Apple Card requirements at https : //support.apple.com/en-us/HT209218. They instruct me to ensure ( which it obviously does ) that my information on my application matches the information associated with my Apple ID and the information listed on my State ID which I also was asked to upload a front and back photo of.
The representatives all then instruct me to simply re-apply since it doesnt affect my credit unless its approved. At this point in each conversation I am clearly frustrated because the representatives just do not read the previous notes left on my file from the representative I spoke to prior to them.
After being told they can not provide me any information and to re-read the website for the requirements, I begin to tell each Apple Card representative that the reason my identity can not be verified is because nobody is calling me for the FACTA fraud alert on my credit bureaus as they are instructed to do when I complete a credit application. This is the most troubling part, because not a single representative even knew what a FACTA fraud alert is. So when I question why hasnt anybody contacted me yet to verify my identity, there is no response on their end. Literally silence. They simply can not answer the question. Or they apologize and state that this is their process and this was my outcome. So I proceed to re-explain to a financial institution representative who, by the nature of their job, should be fluent in basic credit terminology that bottom line- the reason my application isnt being approved is because nobody from Goldman Sachs is adhering to the FACTA alert and is just declining my application.
But its no problem because I can keep re-applying and it does no harm, right? Wrong. Because now I am being declined for applying too many times. HOW FRUSTRATING! Considering I was only re-applying under instruction from the countless Apple Card representatives I have spoken with.
Finally today XXXX/XXXX/2021, I get a knowledgable Fraud department Supervisor named XXXX. When I tell you that as soon as I said the words Fraud Alert he instantly knew what was happening with my application. He was in just as much disbelief as me that not a single representative from his company knew what I was trying to explain. Even more disbelief that nobody that reviews applications for Apple Card Goldman Sachs is following the FACTA protocol by contacting me as instructed by the credit application prompt from the credit bureaus. According to XXXX, he has filed complaints internally with all of his supervisors and clearly notated FACTA ALERT on my notes.
At this time, everything feels morally and ethically wrong, and discriminatory. My mind is blown by the fact that I applied so many times and never received a single phone call to verify my identity. Also more troubling is the fact that I am now instantly being declined for applying too many times. These alerts are supposed to be followed, and Goldman Sachs needs to be held accountable for not adhering to FCRA and CFPB fair treatment of consumers.
Here are the dates and responses for all of the Apple Card applications I have submitted : XX/XX/2021 Your application was not approved at this time because you have applied a number of times and we can not verify the information you have provided at this time XX/XX/2021 Your application was not approved at this time because you have applied a number of times and we can not verify the information you have provided at this time XX/XX/2021 Your application was not approved at this time because we are unable to verify your identification information XX/XX/2021 Your application was not approved at this time because we are unable to verify your identification information XX/XX/2021 Your application was not approved at this time because we are unable to verify your identification information XX/XX/2021 Your application was not approved at this time because we are unable to verify your identification information
|
| 11/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
This is a continuation of complaint # XXXX.
The CFPB has incorrectly categorized this as a " Problem with a purchase shown on your statement. '' This is a problem with Marcus by Goldman Sachs ( XXXX ) erroneously canceling payments made to the account, and their failed attempts to rectify the situation.
XXXX from the previous complaintXXXX The original problem occurred when I stopped payment on a mailed check, as I had been advised by my XXXX XXXX XXXX XXXX XXXX XXXX ) that the payment may have been lost in the mail.
Once the funds were returned, I initiated a second payment via ACH.
However, XXXX honored the ( stopped payment ) check when it did arrive and canceled the ACH payment as it was considered a duplicate payment.
At no point did XXXX REACH OUT TO THEIR CUSTOMER to inquire as to the reason for the duplicate payment, if they had done so they would have known to accept the ACH payment, as the mailed check had been stopped.
I had been informed that a replacement check was being mailed and that it should arrive by XX/XX/2022.
THERE IS NO RECORD that this initial replacement check was ever mailed.
A subsequent series of phone calls resulted in another reimbursement check being issued on XX/XX/2022 to be mailed with a delivery date no later than XX/XX/2022.
*****ADDITIONAL INFORMATION for complaint # XXXX XXXX received the CFPB complaint on or about XX/XX/2022.
XXXX read the complaint and determined that a check had been lost in the mail and on XX/XX/2022 placed a STOP PAYMENT on the newly issued reimbursement check # XXXX.
At no point did XXXX REACH OUT TO THEIR CUSTOMER to confirm which check had been lost in the mail. ( The only reported lost check was from the initial check payment by me initiated on XX/XX/2022 a payment FROM my account TO XXXX. ) In other words, XXXX did not read/review the complaint adequately.
In fact, I had been informed by XXXX that the expected delivery date for the newest reimbursement check was to be no later than XX/XX/2022. Why did XXXX determine the latest check was lost when it was not even due to arrive until the XXXX?
On XX/XX/2022 I received reimbursement check # XXXX.
On XX/XX/2022, the check was deposited into my account.
On XX/XX/2022, I made an ACH payment to XXXX through my XXXX bill pay system utilizing the funds from the reimbursement check.
On XX/XX/2022, I was informed by XXXX that the check did not clear due to a Stopped Payment, and a {$20.00} fee was assessed to my account.
On XX/XX/2022, I transferred {$10000.00} from my XXXXXXXX XXXX Savings Account to cover the payment which had already been accepted by XXXX to avoid further fines and fees.
XXXX XXXX XXXX claimed to have mailed the initial reimbursement check, but it was never sent.
XXXX NEVER reached out to the customer to : a ) determine the nature of the duplicate payment or b ) which check was lost in the mail.
XXXX canceled a reimbursement check two days before it was scheduled to arrive.
XXXX did reimburse finance charges, post-dated to XX/XX/2022.
However, XXXX has never responded to my letter dated XX/XX/2022 ( included in the initial complaint ), other than to deny a credit limit increase requested in the letter.
Further complicating this debacle of attempted payments, I suggested as an alternative to Wire the payment to my account. Due to XXXX policy, they can not accept email from their customers ( their email only works internally ) and I was prevented from providing Wire instructions due to this internal email policy.
This is a huge problem, as you must rely on verbal communication with their representatives, and can not provide anything in writing ( other than to mail a letter ).
XXXX XXXX XXXX needs to reimburse the {$20.00} stop-payment fee on my XXXX account XXXX needs to reimburse the interest lost during the period I had to use my savings to cover the payment : {$10000.00} 3 % XXXXXXXX XXXX rate ( tier 4 ) {$300.00} APR {$0.00} Daily interest {$12.00} Due ( calculated from the date of the stopped check on XX/XX/2022 through the anticipated deposit on XX/XX/2022, provided the overnighted replacement check arrives on Tuesday, XX/XX/2022 through the 5-day hold on funds through XX/XX/2022.
XXXX should also reimburse the cost of the complaint sent via overnight delivery {$27.00}. ( This does not begin to cover the hours of time required to address these issues. ) Total out-of-pocket financial cost {$60.00}.
XXXX XXXX XXXX never issued the initial reimbursement check, and claims they can not refund through ACH. Delayed deliveries through USPS ( via a {$0.00} stamp ) allow XXXX to charge additional interest on credit card charges.
XXXX canceled a reimbursement check prior to its anticipated delivery date on the same day it received CFPB complaint # XXXX. Was this a coincidence, or retaliation by XXXX for filing a CFPB complaint?
|
| 03/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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Beginning on XXXX XXXX XXXX, my XXXX XXXX XXXX Credit card was fraudulently charged a total of {$2900.00}. When I noticed the charges on Sunday, XX/XX/XXXX, I called the number immediately, reported the fraud, and my card was cancelled by XXXX XXXX at that time. On XX/XX/XXXX, I was issued a provisional credit from XXXX XXXX of {$2900.00}. At that time, it was cancelled out all of the fraud charges from the XXXX & XXXX.
Between XX/XX/XXXX and XX/XX/XXXX, XXXX also decided to give my account provisional credit of {$2900.00}, so I had DOUBLE plus {$1.00} the amount of credit that I should have received. I knew that this was incorrect but assumed that the double credits would be adjusted.
On XX/XX/XXXX, XXXX realizing I had to many credits began reversing the provisional credits and removed {$2300.00} that was over credited to my account. On XX/XX/XXXX, realizing that XXXX of the provisional credits was not reversed, XXXX charged my account for the {$490.00} dollars instead of reversing the additional charge. This cause my statement to exceed the amount I should have been charged.
On XX/XX/XXXX, I reached out to XXXX XXXX stating that when the {$490.00} was added back to my account, this made my credit card bill over {$700.00}, and it should have been a maximum of {$360.00}. And I felt that something happened with my account and it was overcharging me. I was advised that my statement was correct and just to pay it. I requested all the investigation notes from the fraud to be sent to me so I could review those myself since I did not think the statement was correct. I advised that based on the Fair Credit Reporting Act it was my right to receive this information and I wanted it. I was advised that it would be sent out to me within 7-10 business days.
I called back after the 7-10 business days and gave the same information and advised that I wanted this information. A different representative stated that my request was not completed to receive all the investigation notes and resubmitted the request. I waited the 7-10 business days again. And did NOT receive the requested information.
I called back again and requested a supervisor, whom I told the story to again and he advised that I was wrong me requesting the investigation and XXXX XXXX was not required to send me the information that I was requesting, though I pointed out the FCRA that was not correct, but he stated that he would help me with my error. When I told him, that something happened to the reversal and I was being overcharged I just wanted my statement to be correct so I could actually pay it. He began reviewing my statements and concluded that something was wrong but would have to look into it to find out. He was having the same issue I was, where the math was not adding up. He advised he would call me back.
I received NO call back, so I called back again. I got another supervisor that I explained everything too and got the same responses, except regarding my request to receive all the investigation notes from when the fraud happened in XXXX. I was told at that time, that there was no investigation into the fraud, which is why I did not receive the information I requested due to the fact their only information was what I provided. Wow! That made me understand why I was never mailed the information again. This manager lady stated she would review my statements to try and understand why I had a such a large discrepancy with my statements. She told me she would call me back, I said fine, but had no faith she would. But she did call back, stating that she was still looking into it.
A couple days later, I received a call back, but I missed the call, so I called the XXXX XXXX back. I got another manager gentleman that read the notes on my account, from what I assume the lady manager who called and left me a message, that stated I was not entitled to double credits and I know other adjustments were needed. I told the man that I did NOT want double credits. Something happened from the charge of {$490.00} on XX/XX/XXXX that caused my bill to increase by a lot and I only wanted to pay what I actually owed.
My XX/XX/XXXX Statement was {$570.00}, and I believe it should have been {$360.00}. I am somehow being over charged- to me- by {$200.00} and no one can review, check, or show me where the additional amount is coming from. I waited for more corrections from XXXX to XXXX before I paid the difference that I do not believe is correct and in XX/XX/XXXX, my statement was {$220.00} and because I did not pay the full amount- that I am disputing in XXXX, I was charged interest.
My balance is now {$0.00} as of XX/XX/XXXX because I do not want to be billed for interest on a disputed amount and I am still waiting on a callback from a manager regarding my disputes.
|
| 10/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
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Apple Card by Goldman Sachs : ***The 1-sentence summary : *** Goldman Sachs charges 30 days of interest when credit card balalnce is paid 1 day late, and this secret interest charge is usury and completely absurd ( especially since their own representatives are unable to explain the exact calculations ).
***The 5-sentence summary : *** The automatic payment of my credit card bill from Goldman Sachs was scheduled for Saturday, XX/XX/XXXX ( default payment date when enabling automatic payments ). Goldman Sachs emailed me on Tuesday, XX/XX/XXXX that the automatic payment had failed. I then manually paid my credit card bill -- in full -- within 5 hours after receiving this email notification. However, I was charged interest fees for 30 days instead of what should be a minimal charge ( either 5 hours of interest since I paid 5 hours after Goldman Sachs sent the email on Tuesday, or at most, 3 days of interest since the automatic payment was scheduled for the previous Saturday ). This secret interest charge ( approximately {$150.00} ) by Goldman Sachs is usury and completely absurd ( especially since their own representatives are unable to explain the exact calculations ).
***The details : *** I have automatic payments set up with Goldman Sachs for the Apple Card . When setting up automatic payments through the Apple Card app, the default option for " Payment Amount '' is " Monthly Balance - stop or avoid new interest charges '' and the default option for " Payment Date '' is " Due Date - On the last day of every month. '' I chose the above default options when enabling automatic payments ( to be debited from my bank account ). In other words, 100 % payment of full monthly balance on the last day of the month.
I have had an Apple Card for 4 years, when the product was first introduced by Apple / Goldman Sachs in XXXX. I have had the default payment options selected since that time.
I have paid 100 % of the monthly balance for 4 years ( via automatic payments ), and have never incurred any interest charges or penalties.
The credit card balance for XXXX ( XX/XX/XXXX - XX/XX/XXXX ) was {$7400.00}.
The automatic payment of 100 % of the monthly balance ( default payment amount ) was scheduled for XX/XX/XXXX ( default payment date ). Goldman Sachs attempted to automatically withdraw {$7200.00} from my bank account on XX/XX/XXXX. I believe the difference between {$7400.00} and {$7200.00} is due to returns, credits, etc.
Please note that this was a Saturday.
On Tuesday, XX/XX/XXXX ( at XXXX ET ), I received an email from " Apple Card Support '' stating that " your recent payment was unsuccessful. Your recent payment did not go through because of insufficient funds. The payment that was applied to your account has been reversed. As always, Apple Card will not charge you a fee. However, the bank used to make a payment may charge a fee. Payment Date : XX/XX/XXXX. Payment Amount : {$7200.00}. Bank account ending in : *** [ I have redacted this bank account information. ] I read the above email notification at XXXX ET that same day and immediately called Goldman Sachs to resolve the issue. At XXXX ET ( on XX/XX/XXXX ), I had manually paid the full balance ( {$7200.00} ). The Apple Card app shows that the *automatic* payment was declined on Tuesday, but then immediately shows that the *manual* payment was successfully paid that same day.
However, I was charged {$140.00} in interest! I asked the Goldman Sachs representative on XX/XX/XXXX to explain the interest charge, and at first, he didn't even realize that I was being charged interest. I had to repeatedly tell him that I was, indeed, charged an interest fee. Then, when he finally realized I was charged the interest fee, he was unable to explain why it was so high or how it was calculated. He submitted a request to have that interest fee reversed.
On XX/XX/XXXX, Goldman Sachs emailed me that the charge would not be reverse.
I then called Goldman Sachs again on XX/XX/XXXX, and I spoke to a supervisor ( XXXX ). He was unable to explain how the {$140.00} interest was precisely calculated, other than to give me high-level, generalized comments about APR and DPR.
However, he did tell me that even if I make a payment only *ONE* day late, I will be charged 30 days of interest. Specifically, he stated that the credit card charges for the month of XXXX were scheduled to be automatically paid on XX/XX/XXXX ( the default payment date when setting up automatic payments, as I described above ). If the payment is delayed by even 24 hours, I will get charged interest for the entire 30 days of XXXX!
This secret interest charge by Goldman Sachs is usury and completely absurd ( especially since their own representatives are unable to explain the exact calculations ).
|
| 10/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
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|
On or around the early hours of Saturday, XX/XX/2023, I lost my wallet on the way home from meeting a friend for dinner. Upon the realization I no longer had access to my wallet, which contained my ID as well as XXXX personal credit cards and a XXXX bank debit card, I immediately began to mitigate any potential concerns over someone else having unauthorized access to those cards by calling the issuers for each of those companies to report that the physical card was lost. One such company I reached out to was GM Card by Marcus, a Goldman Sachs company.
The agent on the phone was courteous and empathetic to my situation and took the necessary steps to close out my physical card and send out a new card. However, within that same call, I asked about whether the virtual card on my account would be updated and viable to use while prior to waiting for my replacement card to arrive via snail mail. The agent answered in the affirmative that I would be able to utilize the virtual card immediately. In fact, I even verified that the numbers on the virtual card had updated, so presumably the new virtual account was established prior to me trying to use it. With the assistance of the agent, the virtual card was added to my XXXX XXXX, and I proceeded to try to use it at a merchant approximately XXXX minutes later. That charge was declined twice. The amount was for approximately {$38.00} and at the time of the charge, I had over {$2700.00} in funds available on my credit line.
Given that I checked the available line of credit and was assured by the GM Card agent that the virtual card would work, I called them back to understand what the problem was. This started a series of confusing conversations with multiple agents. Each time I called and spoke with a GM Card agent, they instructed they would need to do a One-Time Pin ( OTP ) authorization where they would validate that the virtual card was being utilized by the authorized user. Each time, I provided the OTP code I received via text message, ( which was only accessible from my own facial biometrics on my XXXX ), and provided that OTP code to the agent on the phone ; and each time I provided that code, I was instructed to wait approximately XXXX minutes and the card should be available for use.
The scenario above happened multiple times through out the weekend. At times, the card would work and at other times it would not work. There was really no rhyme or reason because often times, I only used the card with the same merchant ( e.g., XXXX ). At no point, was I aware that there was an account restriction until I had to follow-up with the issuer on Sunday, XX/XX/2023. By this time, I had spoken to multiple agents in a XXXX period of time. No one could answer or even eluded to the account being restricted. In total, we did the XXXX verification four separate times. It was only when I demanded to speak to a supervisor to dig into this issue further, the agent indicated that the account was restricted and had to be reviewed by " upper-level management. '' I told the agents that the account being " under review, '' when it was the only card I had available to pay for groceries/local travel/etc. was super generic and not helpful. That the process of having to validate my authenticity four times was not only unfair, but highly-deceptive as I reasonably relied upon GM 's explicit representations that this verification process would resolve the issue. The issue was not resolved and as of XXXX XXXX on Tuesday, XX/XX/2023. I still do not have access to the available credit line, nor have I received a follow-up call from a representative of " upper-level management '' who could advise me why the account is under review/restricted.
To be fair, this card is not normally used by me. I am a a risk-compliance professional myself and I understand the need to have controls in place to verify that the inconsistent usage pattern on a credit card is by the authorized user and not a fraudulent party. However, what is the purpose of having an OTP validation process, if the issuer is still going to restrict the authorized user from utilizing their funds? This was a question I asked to representatives, but of course they were not able to veer of script to answer that question. As a matter of fact, the GM Card agent I spoke to on Monday, XX/XX/2023, agreed with me that it did not make sense to her either.
So within the past XXXX or XXXX days, I have had several phone calls with GM Card agents, validated my identity via the OTP process on four separate occasions, have attempted to resolve this issue through my own personal knowledge and experience as a risk-compliance professional, and have unsuccessfully been able to resolve this issue with the card issuer.
|
| 10/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I started a dispute on XX/XX/2021, for an order that I returned to the merchant and no refund was provided. According to the carrier tracking information, my return was received and signed for by someone at the merchant 's warehouse. In the following weeks that I still had not received a refund from the merchant, I contacted the merchant multiple times, and each time I was assured I would be receiving a refund soon or that I should dispute this charge with my financial institution. I had used my Goldman Sachs Apple card for this purchase, so I contacted customer support and a dispute was opened for me. I received a follow-up email requesting additional evidence " Documents Requested by XX/XX/2021 '' and I sent all relevant documents I had on XX/XX/2021 by replying to the email.
Then, on XX/XX/XXXX, I received an email stating : " Your transaction dispute was not resolved in your favor.
Goldman Sachs Bank USA has investigated your transaction dispute, and it's been resolved in favor of XXXX XXXX XXXX XXXX because : The merchant provided sufficient evidence that you made the purchase '' First, the reason for my dispute was not that I did not recognize this charge or that I was not the one who made the purchase, when I opened the dispute I specifically told the agent who made the dispute for me that I had returned my order and the merchant had not issued a refund. So the merchant providing evidence that I was the one who made the purchase is irrelevant to my dispute.
I then contacted Goldman Sachs Apple card support again and they insisted that the dispute was opened under the correct reason, so then why did my dispute resolve in favor of the merchant under a totally different reason?
My dispute was reopened on XX/XX/XXXX and having received no update or email regarding this dispute, it was closed once again in favor of the merchant on XX/XX/2021. The email I received stated : " Goldman Sachs Bank USA has investigated your transaction dispute, and it's been resolved in favor of XXXX XXXX XXXX XXXX because : No response was received for the request for additional evidence in the past week. Using available information, we decided that you should be responsible for this charge '' I had not received any email requesting additional information this past week, let alone since my dispute was started on XX/XX/XXXX. I had received no communication from Goldman Sachs since XX/XX/XXXX regarding this dispute. When I asked the agent when the email was sent regarding additional information, she told me it was sent on XX/XX/XXXX. Again, I received no such email and no communication from Goldman Sachs since I reopened the dispute on XX/XX/XXXX. Even if the email was sent on XX/XX/XXXX, that would not be within a week of XX/XX/XXXX, which was the reason given for my dispute being closed.
The agent I spoke to simply told me I can reopen the dispute, but what is the point of reopening this dispute for the third time if Goldman Sachs does not plan to carry out an investigation or even look at the evidence that I submitted on XX/XX/XXXX for my initial dispute, which clearly show that I have returned my order, the merchant has received my return as it was signed for by the warehouse, and the multiple customer agents I spoke to acknowledged their receipt of my return and assured me that I would be getting a refund soon, and that I should open a dispute with my financial institution if I still did not receive the refund. In the email I sent with my documents, I attached chat correspondences I had with the merchant on the dates : XX/XX/2021 ; XX/XX/2021 ; and XX/XX/2021. Also attached were screenshots of my XXXX return package tracking information. If the merchant is acknowledging this, I don't understand why Goldman Sachs is refusing to back up their customers and still closing the dispute in favor of the merchant using nonsense reasons. It has been 4 months since I started this dispute, with no resolution and Goldman Sachs is continuing to drag this out by insisting I reopen the dispute, knowing they would resolve in favor of the merchant again.
I have heard plenty of customers in a similar situation as I am now, who have tried to dispute charges with Goldman Sachs Apple card and have had terrible experiences. One look at my evidence and the documents I provided should be enough to resolve this dispute, and yet their refusal to do so is very alarming. If Goldman Sachs has no plans to help their clients, why even bother having the dispute option. My dispute should've been a very simple one, I returned an item and the merchant has not issued a refund. Yet, each time the dispute has been resolved in the merchant 's favor for some totally irrelevant reason that makes no sense.
|
| 05/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My child made in app purchases of XXXX, totaling XXXX after taxes on Sunday XX/XX/XXXX 8 times in a row on XXXX, then another XXXX was charged on XX/XX/XXXX ( after I already disputed the other charges ) while my child was in school, his iPad was taken away from him, and he had no access to any electronics for a total of XXXX. I asked him about this and he finally told me that while at his fathers for the weekend, a friend of his fathers son, who is a couple years older than my son played on his account on his iPad, and this child made the purchases. This happened a few wks prior as well, for the same amount 5 times in a row. For a total of XXXX, which I disputed WHILE the purchase was still pending, the Apple rep I spoke with told me she would cancel it and I would not be charged, my refund request was denied and I was ultimately charged by Apple. When I called I was told they could not do anything about it, and to dispute it with my credit card company. They did not offer any resolution on how to make changes to the accounts where this would not happen again. This DID happened again, 2-3 wks later. Again on a weekend my son was with his father. But, AFTER I had set up in app purchase ask to buy which would send me a text that allowed me to approve or deny purchases. Somehow my child was still able to make purchases. I disputed the first charges of XXXX on Saturday XX/XX/XXXX through my XXXX XXXX XXXX XXXX card which was charged, they did not send me any paperwork asking for further information from me at all. Ultimately I was charged due to Confirmation showing no cancellation per policy was received, for XXXX, and 2 out of 5 charges have been added back to my account as of today XX/XX/XXXX. I removed all payment forms from my Apple account to avoid this in the future. Daily Cash credit you receive from spending with your Apple Card, you CAN NOT remove from your account, so my son spent all that as well. The second purchase was made through my Apple credit card. Which I had to add back to my account to pay for my subway ride to work. Both Apple and the Apple credit card denied all but 1 charge. The charge made at XXXXXXXX XXXX on XXXX it must have shown it was Made from a different device. My child is an XXXX XXXX XXXX with XXXX XXXX. He was not authorized to make purchases by me, I did not approve the request, and anybody looking at the charges ( the amounts and made several times in a row ) can make an obvious observation that no parent approved {$1500.00} in charges for an online game. My son is not mentally capable of understanding the concept of how much money was spent. Due to being XXXX XXXX XXXX, but also due to being XXXX. The XXXX purchases were either transferred or and items purchased with them transferred within the game to this other child. Besides Apple already having a class action lawsuit due to this exact issue, the enormous amount of complaints you can look up on any forum due to this exact issue, my sons XXXX account has been disabled, meaning I am being forced to pay a crazy amount of money for an account that cant be accessed, my son did not receive items or XXXX that I am paying for, How can this even be okay??? for a minor special needs child to be held responsible for making purchases he was not authorized to make and that he did not gain from. Is that not the definition of FRAUD!?? Apple had no part in stopping them from happening after even several disputes and complaints. XXXX XXXXXXXX gave me the reason for not removing charges as no proof of account cancellation. What account? My Apple account? Or the XXXX account, which has been disabled, but they never sent me anything asking me about it.. Apple refunded me for 1 charge of XXXX, I did not receive any reasons for why or why not. I think that shows If the last charge for XXXX was found to be fraudulent, ( the only 1 that was made alone at XXXXXXXX XXXX on a Tuesday out of a total of 14 charges for XXXX ) that the other 8 made on XX/XX/XXXX 8 times in a row only weeks after I disputed 5 charges of XXXX 5 times in a row while still pending AND made from an XXXX XXXX XXXX iCloud account, ( which Im pretty sure an XXXX XXXX XXXX is not even allowed to authorize purchases, I know I never gave my permission ) those charges are ALL fraudulent!!!! XXXX XXXX, Apple, and Apple credit card services are disgusting and immoral that they make all parents like us, who spend enough money on Apple each month/year! Pay for charges so unauthorized even a blind bat can see from outer space! O, and I finally found a way where I can make purchases on my own account without my children having access to do so. With NO HELP FROM APPLE.
|
| 01/29/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
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I recently came about an issue where my savings account with Marcus by Goldman Sachs ( Marcus ) was locked up and my funds became inaccessible after a series of fund transfers to XXXX Exchange ( XXXX ). The issue was resolved after a series of calls to supervisors at Marcus. Below are details on the issue.
On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I transferred {$12000.00}, {$15000.00}, and {$500.00}, respectively, from my Marcus savings account to my XXXX account.
On XX/XX/2021 I transferred 2 small payments of {$0.00} and {$0.00} from my Marcus account to a XXXX XXXX XXXX account. The purpose of these two small transfers was because the Marcus site required me to do so before I am able to send a larger sum of money. After verifying the amount transferred I would be allowed to make larger transfers. After these transfers were verified by me, I proceeded to transfer a larger sum between {$2000.00} and {$4000.00}. The reason I can not supply the exact amount is because the transfer history is no longer active in my Marcus account.
On XX/XX/2021, my Marcus Savings account was locked up and I was left with no ability to access my funds. A phone number was provided for me to reach out to resolve this lock issue. On the first call, I was told that the account had been flagged because I had sent funds to XXXX and they could not verify that I owned that XXXX account. To resolve this issue, I would have to submit a XXXX account statement to Marcus via mail and that I could not send it via email. My account would remain locked until this document reached Marcus and then it would take up to 10 business days to be reviewed. I proceeded to look in my XXXX account to find that there were no account documents that would satisfy the verification requirements asked by Marcus. I relayed this information to a Marcus representative on a second call. After speaking with a superior I was told this new information would be reviewed to see what could be done. I heavily expressed my need to access my funds and how it was preventing me from engaging in personal business activities. As there was no response after a few hours, I called a third time, but there was no change to the situation. I asked if my account could be closed and funds transferred to my personal checking with XXXX bank and was told I would not be able to.
On XX/XX/2021 I placed the 4th call and was told the account was flagged because I had tried to send funds to another institution, XXXX XXXX XXXX ( XXXX ), which was not discussed in any of the first 3 calls. The Marcus representative tried to verify my account with XXXX, but couldn't because XXXX does not do account verification to external sources. She offered to cancel an ongoing transfer I had to them in order to get my account unlocked. I agreed and my account was unlocked then.
I asked the XXXX representative to let me file a formal complaint to improve the system and was told there is none. After speaking with her manager, she recommended I file it with the Consumer Finance website.
Systematic issues : - It is still unclear to me if Marcus flagged and locked my account because of my transfers to XXXX, XXXX, or both entities together.
- Marcus failed to notify me of my account lock up. I was only alerted after having waited long enough for my XXXX bank transfer, which never occurred, and login into the Marcus website to find that the account was inaccessible.
- Marcus allowed me to send two small transfers to XXXX as per their system verification process, but flagged and locked my account on a larger transfer after I had already verified my transfers as per their verification process.
- Marcus representatives gave me different reasons at different times for my account to be locked.
- Marcus requested a verification by mailing a copy of a statement from XXXX which I had no power to obtained and left this issue in my hands.
- Following the verification process would have taken at least 12 business days ( 2 days for mailing the documents and up to 10 days for processing ) when they could have been sent via email immediately should the documents be available. There is no reason for a customer 's funds to be inaccessible for this period of time.
- I had to speak with 4 different supervisors until my issue was resolved.
- Marcus does not have a formal process to submit feedback on practices that can improve their business practices.
- The verification process was solely left in the hands of the customer.
Things that went right : - The customer representatives were calm and followed processes dictated by their company ; they helped with what tools they were given.
|
| 09/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
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I recently signed up for an got approved for an XXXX Credit Card through Goldman Sachs. I immediately started to switch different services over to the card so I could start earning rewards. I didn't have any issues with the card until XX/XX/2019 when a XXXX transaction going through XXXX for {$60.00} was declined for the reason shown in app as " Fraud Suspected ''. I marked in app that the transaction was mine but by this time XXXX already started taking the money from my other account. I at this time thought it should be ready for next week when they will try this same transaction again since I have already told them that it was me. On XX/XX/2019 I was billed again for XXXX as expected. This week I ordered some extras so a separate charge came through for {$9.00} and posted to my account with no issues. Once again the charge for {$60.00} came through and was again declined. This time I did not have enough in my back up account to cover the transaction as I had already moved most transactions over to the new card and didn't keep the available balance in the account. I was charged a {$32.00} fee for not having the required funds in that account. I first notified Goldman Sachs of my issue on XX/XX/2019 and was assured there was nothing wrong with the account. They assured me that if I were to try again the transaction would go through the next week. On XX/XX/2019 is when I first noticed that my other account had gone negative because of this and once again contacted Goldman Sachs to let them know that I was not happy with what happened and wanted to know why my transaction was declined. I was told over the chat support that they would be unable to help me since I was requesting them to reimburse me my {$32.00} since there system made it seem like once I approved the transaction there should be no further problems. They directed me to call their support line. I was on the phone for 45 minutes being passed around to various people all of whom had a different story for why my transaction was declined. The first person I talked to told me that there was no way for Goldman Sachs to look up the reason they declined my card. When I then asked to speak to a supervisor I was placed on a very long hold to then only get to speak to another specialist. This person told me there should be no issues using XXXX to make these kinds of payments and that they could not see anything wrong with my card. They kept trying to tell me that the merchant may not accept MasterCard but they do and I was able to confirm they do. They eventually said they would escalate and request that I be refunded the {$32.00} fee since if the system worked as it was supposed to I never would have received the fee from my other institution. Today on XX/XX/2019 I messaged Goldman Sachs again to see what had happened of my dispute with them as I received no confirmation that it had indeed been escalated. I was told by this employee that the transaction wasn't declined because of fraud but instead that it was declined because it was XXXX and I would need to contact XXXX to see why. He continued to say that was the issue even though other reps told me XXXX was okay and other transaction through XXXX go through just fine. I also informed him the app tells me the transaction was suspected fraud and he tried to assure me that was not the case and that the real issue is that it is XXXX. I was then directed again to call for further support. I call again. This time ask for a supervisor and get one almost immediately. I explain my situation again. I am then informed that he does see my complaints were escalated. I ask if I would be able to place a fraud monitor suppression on my card so I can make the purchase and he is unable to tell me if that is possible so I ask if I can be transferred to the fraud department to someone who might be able to answer the question. I was transferred to the fraud department where I was told that even though I said the transaction was me that doesn't mean they won't continue to think it was fraud even a week later. I was also told that it would not be possible to place a fraud suppression on my card for my security. I ended this 30 minute phone call with no hope this transaction will ever go through and no answer still to why this transaction continues to be declined. I have spent hours of my time trying to figure this out with no resolution. I had a hard pull on my credit for a card I now no longer want to use because I have no way of knowing if and when my card will be declined and for what reason. I have been lied to purposefully or out of ignorance by multiple employees at Goldman Sachs.
|
| 09/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
This was previously closed claiming " we have investigated and found that the payment was stopped by the users bank '', I have provided documentation SHOWING this was NOT stopped by my financial institution. Apple XXXX Goldman Sachs can also 3 way call myself and my financial institution at ANY TIME to further verify this in person. I am absolutely disgusted with the response from Apple Card where they state they " did a thorough investigation '' yet can not even look at the documentation provided.
XX/XX/XXXX - AppleCard first rejects my auto payment from ACH/Bank card transfer of {$55.00} The following dates are dates of the further attempts and amounts : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ( Again ) - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX After 12+ hours and 20+ representatives combined on the phone a manager recommends trying to add money to XXXXXXXX XXXX with my card then try paying with XXXXXXXX XXXX This worked and a payment of {$650.00} was successfully made on XX/XX/XXXX. On XX/XX/XXXX another ACH/Bank card transfer of XXXX was attempted in an attempt to see if the issue was resolved. It has not been resolved and rejected it again. Every payment since XXXX, XXXX has been made manually through transfer to apple cash and then transfer to the apple card. The following is the letter sent via certified mail to Goldman Sachs and Apples headquarters on XX/XX/XXXX, so all this information was accurate at the time of the letter but more calls were made after that point : ==================== START LETTER ========================== Steps taken in an attempt to make a payment to Apple GS Bank Card. - Over 9 hours on the phone with customer service, customer service supervisors. - Attempted payments ranging from {$55.00} to {$900.00} on 14 separate occasions - Requested call back and filed a complaint with a service rep on 3 separate instances. Call back was never received. - Removed and re-entered payment information - Removed and updated billing information - Over 3 combined hours on the phone with payment bank customer service - Requested trace number to trace transaction, none provided that bank could find - Inquired about possible auto-pay directly to GS Bank via XXXX XXXX XXXX was told this is not an option - Informed on 2 separate occasions a transaction dispute would be filed so it wouldnt go to my credit - Inquired about any other possible payment methods OUTSIDE OF creating another bank account, no options provided - Spoke with manager at Goldman Sachs corporate office , said a call back would occur, no callback ever occured - Requested collections statement be removed as this is a disputed transaction, informed this will not be removed - Discussed options with a licensed attorney - Filed a complaint with consumerfinance.gov - Opened a dispute with credit bureaus, they reached out to Apple/Goldman Sach who said it was reported accurately - Sent this letter to GS Bank Corporate, and XXXX XXXX locations ======================== END LETTER =================== I have a XXXX XXXX XXXX XXXX XXXX XXXX where my credit must be in good standing that this affects. I have been denied a credit card, and denied low rate refinancing, and have a high interest rate on my current auto loan due to to recent serious delinquency, to many serious delinquencies, to many serious delinquencys, whereas apple is my ONLY delinquency listed on my credit report. I have filed disputes with all credit bureaus, and Apple twice ( currently a 3rd one is open ), every dispute has been returned that Apple assures information was reported accurately and credit report will not be changed. I will be attaching the document showing my bank DID NOT decline any payments, theres no stop payment and that it was on Goldmans Sachs end. Credit reporting IS NOT accurate if their payment system is faulty and will not accept the several attempted payments. To this day if I try a direct payment through my bank/debit card it STILL declines my payments. I must add money to XXXX XXXX, then use the XXXX XXXX to pay my Apple Card for it to work ( I wasnt told about this work around until after 2 months of the system refusing my payment ) I have included XXXX and XXXX on my report because when I try to dispute with them all they do is reach out to XXXX and ask if they reported correctly. They do not even allow me to submit ANY documents or anything.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/16/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On Friday, XX/XX/XXXX, after initiating a transfers of my funds out of my XXXX savings account via their website, I was sent an email from XXXX later that evening stating they tried to contact me and need me to call them. I was a little confused as I had not received a call, nor was any any voicemail left with me, stating XXXX tried to contact me. I then noticed my account was locked by XXXX, rendering my access to my account non-existent.
I called XXXX that evening on XX/XX/XXXX and was immediately transferred to the " Speciality Department. '' I spoke to XXXX ( Interaction # : XXXX ) who let me know that they needed to verify the bank I was transferring funds to, even though I linked the account online using my own credentials- which were accepted by XXXX, before I could transfer the money out of my account. This annoyed me because now over {$13000.00} of my money was being held up for an immediate need of mine ( passing of a family member ).
Unsure of what was going on here, I asked XXXX clarifying question like what the speciality department was or why this action was being taken on my account. I was told they would not give me more information, that it's against their policy, and so on. It's important to note that not only was this transfer legit, it was to a linked account on XXXX ' website and it was a personal account in MY NAME. This did not seem to matter to XXXX, nor did the urgency, because even after this phone call, they continued to lock me out of account, telling me they would not allow me in, and held my money hostage. I stated I wanted the money put back into my account and that I would transfer to my XXXX account as soon as it was available to me. This did not happen and they told me I would need to wait until Monday to verify the other bank account. I also asked if there was fraud concern on my account, to which XXXX gave me an unclear, less affirmative answer. Time after time on this phone call, XXXX answered my questions with vague information and even citing bank policy for refusing to answer my questions. This is deeply unsettling when a bank holds over {$13000.00} of your money but will not be direct with you.
On Monday, XX/XX/XXXX, I called XXXX again and was transferred to the Fraud Department, this time speaking to XXXX. I was annoyed that now someone from Fraud was working on my account when on Friday I was given uncertain information on the account as to if there was a fraud concern related to my account. Yet, XXXX continued to restrict my account.
There are quite a few things wrong with XXXX ' behavior that leave me not wanting to do business with them again. First, making me our to feel like I was doing something criminal by blocking access to my money, not giving me details about what was going on even after verifying I made the transaction and to what account I made the transaction to, and restricting my account access even after verifying these details AND asking them to let me back into my account verbally ( to which the refused ). More importantly, I've worked as Fraud and XXXX professional serving large name clients, and I have never seen such horrible policy. It's clear to me that there was a fraud concern, but leaving me out of the loop made me feel like I was the concern or that I was doing something wrong with my own money when in fact I've transferred money in and out before and verified other account with them.
I trusted XXXX to be a good steward of my money. Even if policy required these actions, those very policies and the interactions surrounding them made me feel like I did something wrong when in fact I followed paths on their own website to transfer money and add an account. If XXXX does not like people using those tools, they should restrict them altogether instead of discriminating who can access them, and when, and under what restrictions ( as those are not posted ). Most importantly, I needed part of this money to lay my father to rest and XXXX got in between that, added pressure to this already stressful time, and made me feel like I was the bad person.
My complaint is very clear. XXXX does not have their house together. They have policies that are not automated, they have customer service interactions that are less that ideal for a bank of their size, and they truly need to make there product better because as of now, it's a second class product in comparison to the competition. XXXX did not and does not deserve my business and they clearly acted like it. I am allowing this complaint to be public so others can see how XXXX conducts business behind the scenes.
|
| 05/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Subject : Complaint against Apple Card and Goldman Sachs Bank USA Dear Sir/Madam , I am writing to file a complaint against Apple Card and Goldman Sachs Bank USA regarding a fraudulent transaction that has been erroneously attributed to me. I have taken all necessary steps to resolve this matter with the companies involved, but they have failed to provide a satisfactory resolution.
On XX/XX/XXXX, a fraudulent transaction was made on my Apple Card in the amount of {$1100.00}. As soon as I noticed the unauthorized charge, I promptly contacted Apple Card support and opened a dispute on XX/XX/XXXX. The charge was temporarily removed from my card while further investigation was conducted.
However, to my surprise, on XX/XX/XXXX, the charge was added back to my statement. Apple Card and Goldman Sachs Bank USA claimed that after their investigation, they determined that the transaction was legitimate and made by me. This decision is unfounded and contrary to the evidence and information I have provided.
Despite the assurance in an email from Apple Card and Goldman Sachs Bank USA that I have the right to see the information they gathered to make the decision, their customer service representatives have been unable to provide any details regarding the transaction. They could not inform me of the nature of the purchase, the shipping details, or the recipient 's information. The only information that I was given is that transaction was made in California and/or shipped somewhere to California.
This lack of transparency raises serious concerns about the legitimacy of the transaction and the investigation conducted by the companies involved.
Throughout this process, I contacted Apple support numerous times to request the promised link for uploading supporting documents. However, days later, I found out that three Apple support representatives gave me false information, apparently, the promised link does not exist and I was finally instructed by the fourth Apple Specialist to submit everything via the phone chat.
The promised link that was supposed to be emailed to me is a myth and Apple Support Specialists seem to be not aware of that.
On XX/XX/XXXX, I compiled all relevant documents demonstrating that I was not in California on XX/XX/XXXX, or any time thereafter. These documents include XXXX record screenshots showing my presence in XXXX, a hotel checkout receipt with the date ( XX/XX/XXXX ) and my name on it, a XXXX confirmation email, demonstrating that I was catching the flight from XXXX to XXXX that day, and my ID, which clearly indicates my address in XXXX, FL, not California.
Today, on XX/XX/XXXX, I received another statement with the charge reinstated, stating that no error occurred and that I authorized the transaction. I want to emphasize that I did not make this transaction, nor did I authorize anyone to do so. I strongly disagree with their assessment, and I am unwilling to accept responsibility for someone else 's purchase.
On a separate note and something that I have included in my communications with Apple Support, I am an avid Apple user, have numerous subscriptions, and bought numerous devices, including XXXX phones in the past year, everything has always been paid and paid on time. I also have impeccable credit and a spotless history with all and any financial institutions I ever had business with. The above behavior is out of character and if anything should have been taken under consideration by Goldman Sachs Bank USA, in addition to the hard evidence provided.
In light of the unsatisfactory response from Apple Card and Goldman Sachs Bank USA, I hereby request the assistance of the Consumer Financial Protection Bureau in resolving this matter. I kindly request a thorough investigation into the fraudulent transaction and the actions taken by the companies involved. I trust that the CFPB will ensure a fair and just resolution, based on the evidence provided.
Enclosed with this letter, you will find copies of the relevant documents, including XXXX record screenshots, a hotel checkout receipt, a XXXX flight confirmation letter, the entire " evidence '' file that was put together for Goldman Sachs Bank at the time of the dispute and my ID, which demonstrates my absence from California on XX/XX/XXXX, and my permanent residence in the state of Florida. These documents serve as crucial evidence supporting my claim of innocence.
Thank you for your attention to this matter. I look forward to a prompt and thorough investigation by the Consumer Financial Protection Bureau.
Sincerely, XXXX
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This company has violated their own terms and conditions of the following accounts XXXX and XXXX. As proof look at the attached exhibit. They had stated that they do not engage in non-affiliate or affiliate marketing sharing, or affiliate sharing of credit worthiness data however they deliberately sharing my nonpublic financial information with 3rd parties. Consumer reporting agencies such as XXXX, XXXX and XXXX is not an affiliate of Goldman Sachs bank nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. Additionally, Goldman Sachs can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported as it violates the Fair Credit Reporting Act which states that you can not furnish inaccurate information. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Goldman Sachs must refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. XXXX Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by XXXX ( b ) ( XXXX ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( XXXX ) of this section is received within 30 days after disclosure.
|
| 11/12/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a high yield savings account with Marcus by Goldman Sachs for their high yield savings interest. When I tried to withdraw a bulk of the money out of Marcus, it was reversed.
My first attempt in calling Marcus was a 1
.5 hrs call ending in a dropped call. During that 1.5 hours on the phone, the first representative said that I was being transferred to another representative that can better assist me. The next representative had no idea what the call was about and proceeded to ask me security questions as if I just called in. After multiple holds to " check to see what's going on with my account '', I was again transferred to another representative that again asked for my personal information for verification. At this point, I'm starting to believe none of the previous representatives knew the problem and proceeded to put me back in the queue for another representative to " help '' me out. Then after being held on hold for a few mins, the phone disconnected.
After trying to call again, I was finally told that there is a hold in my account. The first representative told me that there is a hold on my account due to some garnishment but could not tell me who or what is putting that hold. They said it could be the receiving bank ( XXXX in this case ) or some other agency/institution but they do not have visibility on that. They did mention that they can usually see if it's the IRS and that there was no indication that it was that institution that put a hold on my account- I never heard " IRS '' spoken after this representative. I've asked to speak to supervisors but even they would just say that they do not have any additional details and have no idea how to help me out. They can not give me ANY information about the " garnishment '' on my account and I am told there are no other departments, or any other person I can talk to to try to figure out how to resolve the problem.
I proceeded to contact XXXX, and they saw that there was a hold that could potentially have been from being flagged as a potential fraudulent transaction but they immediately resolved this. I was able to link my Marcus account to my XXXX account within the XXXX app and tried to initiate the transfer from XXXX instead for the same amount. After a few days of processing, it was reversed again. I called XXXX again - the Marcus linked account was suspended in their system but they were able to lift it again.
I went back to my Marcus app and tried to initiate the transfer once again from the Marcus app. At this point, I am not even able to initiate the transfer. I just end up getting a constant error telling me to " please try again ''. I figured if it's an issue with XXXX, I can try to transfer it to a different bank. But I am now also unable to link new accounts to my Marcus.
Called Marcus again and just like the last time, they see a hold but they are unable to give any information. My money is with them but they can't tell me how I can be able to get access to that at this point. They say there is no department within Marcus that can give me that information because of the sensitive nature. I would think it may be sensitive at their level or for their team but there should at least be some team that would be able to tell me this information - information about my money that is being held by them. I should be entitled to information about my own assets. They make it seem like whatever this institution is that has put this hold will need to lift it, but I would not be able to figure out how to resolve it because they wouldn't be able to tell me who is putting the hold- I can only sit, wait and hope while they keep my money that whoever this mysterious institution is suddenly decides to lift whatever hold is put on my account. I asked if I can just close my account altogether but even that I apparently can't do.
On my part, I have not received any letter or any notification of a potential garnishment to any of my accounts. I have no kids which means I am not responsible in paying child support and I pay my student loan every month. I've gone as far as finding a way to contact the IRS to confirm that I have no balances I owe to the government - I don't. The agent confirmed that I have XXXX balance.
None of this makes sense as I also just closed on a house which did an extensive check on my personal and financial situation. I also have multiple bank accounts, but somehow Marcus by Goldman Sachs is the only bank that has a garnishment under my name and holding my money.
|
| 02/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Goldman Sachs purchased our XXXX XXXX XXXX with XXXX XXXX. Our business was informed about the acquisition in letters that were sent in advance of the transfer.
On XX/XX/XXXX I began to receive notifications that our cards were being declined. After a brief phone call with XXXX XXXX, they referred me to Goldman Sachs to resolve the issue. XXXX XXXX I called XXXX Goldman Sachs to find out the issue. The first agent could not find our account. So I called back to XXXX XXXX, who once again assured me that Goldman Sachs was the only one who could rectify the situation.
While on hold calling back Goldman Sachs, we received the following email on XX/XX/XXXX at XXXX XXXX : Welcome to XXXX XXXX As a reminder, your XXXX Rewards Card account recently transitioned from XXXX XXXX to Marcus by Goldman Sachs.
Our records indicate that prior to the transition XXXX XXXX may have cancelled a payment you had scheduled. To avoid disruption with usage of your card, you can make a payment with XXXX by visiting marcus.com/gm and setting up your account in a few simple steps. Rest assured that any late fees will be waived on payments that were due from XX/XX/XXXX through XX/XX/XXXX. We will also make sure your credit report is not impacted due to the cancelation of this payment.
Thank you for being a XXXX XXXX XXXX customer and we look forward to welcoming you to XXXX!
Regards, XXXX by Goldman Sach We're here to help : XXXX 24 hours a day / 7 days a week Chat with us at marcus.com Please don't respond to this email. This mailbox isn't monitored and we don't want to miss your message.
Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and Goldman Sachs & Co. LLC, which are subsidiaries of The Goldman Sachs Group , Inc. Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX is the issuer of the XXXX XXXX XXXX . XXXX XXXX is solely responsible for the operation and administration of the Earnings program and points program. For more details about the XXXX XXXX Earnings program and points program, including redemption options, go to gmcard.com.
XXXX Goldman Sachs & Co. LLC. All rights reserved. Member FDIC.
We had a payment scheduled on XX/XX/XXXX through XXXX XXXX for our auto-pay statement in full - that was not processed. While holding to talk to a representative I followed the instructions per the email sent above. I, I created a login for Goldman Sachs and set up the account for auto-pay along with paying our statement balance in full that should have been processed on XXXX/XXXX/22.
After connecting with an agent with Goldman Sach about the declines, they informed me that our card was in collections and that department is the only one who can remove the restriction. Then they informed me that the collections department is not open until Monday and there is nothing that can be done. I requested an escalation from the customer service rep and spoke with the representative 's supervisor, that reiterated the sentiment that they could do nothing until collections released the restriction. I will be calling back on XX/XX/XXXX22 to lift the restrictions as instructed.
Our business card is being declined to vendors and for automated payments set up through the card during this entire time. We are receiving phone calls and email concerns from our vendors about the declines and notifications. We have had to additionally pay staff to work through the weekend handling the incoming payment declines and getting new financing aligned to proceed with now delayed orders. This not only reflects poorly on us as a business that we are being declined funds to pay our vendors but furthermore that supplies and materials are not being shipped because of the declined charges. Our company operates on expedited turnaround times for our customers as most of our projects are critical to the operations of businesses we serve. As a business, we pride ourselves on our relationships with our vendors and customers. We will now not only be inconvenienced by dealing with the declined payments for orders with our vendors but also now we must inform our customers that projects will be delayed. This is not only causing undue strain to our employees to resolve but also negatively reflects on the image and professional standards of our business with all involved. I am thoroughly disappointed in the professionalism of Goldman Sachs and how this transfer was handled.
|
| 03/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
In late XXXX, an sale was made to purchase event tickets via Apple credit card, provided by the creditor Goldman Sachs, in the amount of {$240.00}. The event was scheduled to take place on XX/XX/XXXX at XXXX, XXXX. The tickets were purchased from the vendor XXXX, XXXX # XXXX. On XX/XX/XXXX, XXXX sent an email stating that the event was no longer taking place at the scheduled date and time that was originally agreed upon. Since XXXX 's actions resulted in me not being able to attend the event at the original agreed upon date and time, I attempted to reach the vendor numerous times requesting a refund since services requested were not rendered. Each time I attempted to contact them, I encountered issues in trying to reach someone.
Eventually when I did reach someone, I was told that the difficulty in trying to contact the vendor was due to staffing issues. XXXX also stated that any changes, including refunds would not be able to be requested or processed until completion of their modification ( rescheduling of the event ) which resulted in waiting months to be able to address my issue. Regardless of the the new date the event would be rescheduled, I would not have been able to attend due to not being available as I did not reside in the area and XXXX was informed of this. Eventually, I was informed by XXXX that my case would be escalated to their appropriate team to resolve this issue and that contact would only be made via email. However, to this date, I have not received any email from XXXX regarding the escalation of my case or processing of my refund. After many attempts of contacting XXXX and trying to resolve the issue with them, I eventually reached to the creditor, Goldman Sachs, to dispute the charge.
Since the original services that were agreed upon were not rendered and any modifications to the terms were not agreed to nor addressed, a dispute of the charge in the amount of {$240.00} was initiated. Goldman Sachs has since refused to honor the dispute several times claiming that there is " no evidence to substantiate the claim ''. However, I have provided Goldman Sachs with substantial evidence of the communication provided by XXXX that verifies my claim. The evidence is attached here and can be verified by XXXX.
Here is the text version of the email communication received from XXXX. If needed, this email can be forwarded to any addressee in order to verify this communication 's validity of originating from XXXX 's server.
From : XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX XXXX To : XXXX Subject : XXXX Order # XXXX - XXXX XXXX at Florida XXXX ( XX/XX/XXXX ) has been postponed Reply-To : XXXX XXXX XXXX XXXX XXXX Hi XXXX, Were sorry to let you know that the XXXX XXXX at Florida XXXX XXXX, originally scheduled to take place on XX/XX/XXXX at XXXX XXXX, has unfortunately been postponed. We know how frustrating postponed events can be, and we are working hard to get more information to share with you as soon as possible.
If you already have your tickets, please hang onto them. We will notify you once an official announcement has been made to reschedule or cancel the event.
If your event is rescheduled, your original tickets will be honored on the new date and time. If you can not attend, you can resell your tickets on XXXX once a new date is announced. If you relist your tickets and they sell, well automatically waive the standard sell fee.
If your event is canceled, we will email you to confirm. Well add a credit worth 120 % of the total amount you paid for the impacted event to your XXXX XXXX. The credit is valid through XX/XX/XXXX, and can be used for any live event on our site in the same currency.
Prefer a cash refund? Simply go to your XXXX XXXX and click the Request cash refund button on the appropriate credit.
Thank you so much for your understanding. As the situation evolves, we will continue to keep you informed.
Your XXXX Team Still have questions? Check out our XXXX XXXX.
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Sign up to receive emails from XXXX and receive newsletters and updates on events happening around you, including the latest info on your favorite artists and teams. Sign up today.
Help Center My Accounts My Account My Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXs About Us My Accounts XXXX XXXX Store XXXX XXXX Copyright XXXX XXXX XXXX XXXX All rights reserved.
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX
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| 02/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX I made a purchase from the merchant XXXX. When the items arrived they were heavily damaged. Literally broken into pieces. I immediately reached out to the merchant through the contact form on their site and received an automated email from them stating they'll get back to me. They never did. As a result I filed a damaged item dispute with the credit card company Goldman Sachs Apple card. I supplied photo evidence of the damaged items and my reach out attempt to the merchant. They gave me a temporary refund while they looked into it. XX/XX/XXXX Goldman Sachs rejected it the first time saying they have proof I made the purchase. I called to inform them I was not disputing I ordered it. I once again informed them my dispute was based off the condition of items received and the fact the merchant refused to get back to me. They reopened the case XX/XX/XXXX. XX/XX/XXXX Goldman Sachs rejected my claim again stating I did not provide evidence. I had already sent them messages and emails of the photos of the damaged products as well as screenshots proving I reached out to the seller. I called them again to explain all this. XX/XX/XXXX Goldman Sachs reopened the case and I resent all the photo evidence. This time I confirmed on the line with the employee they received all the files. XX/XX/XXXX Goldman Sachs again denied the claim saying I should have reached out to the merchant first. I again provided evidence I had reached out to the merchant and the merchant refused to get back to me. XX/XX/XXXX Goldman Sachs once again reopened the case. XX/XX/XXXX they rejected the dispute saying the items were not proven to arrive damaged. I called them back XXXX demanded they explain how photos depicting damaged merchandise does not illustrate damaged merchandise. The apologized and reopened the case. Promising someone in fraud will contact me directly about the case if there's any further issues. XX/XX/XXXX Goldman Sachs once again reopened the dispute. XX/XX/XXXX they rejected it claiming no evidence was supplied. Despite the fact I had already on previous occasions confirmed evidence was received on their end Illustrating the damaged items as received and the proof I contacted the merchant to resolve it already. At this time, over the past year I've called them XXXX times and spoken to multiple representatives and levels of management and they're all entirely incapable of providing reason for the fraud teams incompetence. And since the fraud team is refusing to contact me despite multiple promises they will by Goldman Sachs XXXX XXXX XXXX I filed a complaint with CFPB XX/XX/XXXX. XX/XX/XXXX Goldman Sachs called me to say they're reopening the case. The person speaking with me claimed they were a XXXX and stated someone from fraud will specifically call me once they review the case. No one from Goldman Sachs called me or reached out to me after that. XX/XX/XXXX Goldman Sachs responded to my CFPB saying they've closed the case stating I do not have proof I returned the items. As I've already mentioned to them both verbally with a XXXX ( on the phone ), through text as part of my fraud claim with them, as well as in my CFPB complaint, I reached out to the merchant to make them aware I received damaged items. XXXX XXXX ( the merchants ) website they must be contacted through a submission form on their website to initiate a return. I supplied evidence that I've submitted this form/ reached out to the seller to Goldman Sachs XXXX XXXX did not respond back to my contact to initiate a return or address the issue whatsoever. Hence the whole reason I filed the claim through Goldman Sachs in the first place. Going by Goldman Sachs response to the first CFPB complaint they're clearly not reading any of the provided files, evidence, documentation nor the complaint itself as they are not addressing the issue whatsoever. Goldman Sachs then responded on XX/XX/XXXX that I had no reason to contact the merchant because the merchants XXXX policy states that returns can be directly returned to them without contact. However I made the order in XXXX when the return policy by XXXX specified they must be contacted first before a return is made. Goldman Sachs is fully aware of this but clearly doesn't want to admit how terribly they've handled this claim and are grasping at straws. It's very unfortunate.
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| 07/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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I contacted Apple Card ( Goldman Sachs ) customer service twice within the first twenty-four hours of me becoming aware of my identity theft-between XXXX XXXX. I was told a total freeze would be put on my account, meaning no purchases or e-payments would be allowed through. Furthermore, I told multiple representatives that any payments going through from there on, through my wallet or with that bank account, would be fraudulent as I no longer had access or control of my XXXX XXXX. Within those 24 hours, multiple purchases were attempted ( {$45.00} & {$1800.00} ) and multiple payments were attempted with my bank account ( one for {$1100.00} & one for {$1900.00} ). I contacted Goldman Sachs, Apple card to keep up to date on transactions to monitor any fraudulent activities. I told the representatives that I am not a resident of the state where both purchases were attempted and could provide evidence I was not in that state at the time or ever.
Also, with my call on XX/XX/XXXX, I verified with the Apple Card representative the next steps, as I changed my bank account status so no withdrawals could be made. At no time during my initial ( and multiple ) communications, did anyone inform me of the consequences of denied charges/payments of my bank account due to the status change of my account. I did my best to keep in contact with Goldman Sachs and was told multiple times that disputes were being opened and I would be contacted by management. This never occurred and I was finally told weeks later on XX/XX/XXXX, no one would contact me until I mailed in a dispute letter. Months later, after having received multiple e-mails stating my disputes had been resolved, I was still receiving statements that I owed more than I did. At the time my card was compromised, and considering interest, I owed just over {$1100.00} and was continuously receiving statements saying I owed more than twice that.
On XX/XX/XXXX, I sent out a formal letter along with the following documents, after multiple times of being told I would need to do so to get anywhere : 2 versions of an FTC report I filed for identify theft, Proof of Identity, Notice to Furnishers of Information, 2 different Apple Card statements ( XX/XX/2020 & XX/XX/2020 highlighting the fraudulent transactions ), and finally a copy provided by my bank of the bank account status change that occurred on XX/XX/2020. When I followed up a couple of weeks later on XX/XX/XXXX, I was told the paperwork was received and my case was still in review and someone would contact me. I was also told, to my surprise, that my account had officially been closed and turned over to collections. Which also explained why my credit score had dropped 100+ points. I told them my concern and I was told my credit score could be addressed and fixed based on the outcome of my dispute/case.
I waited another month, still with no contact from Goldman Sachs. I contacted them again on XX/XX/XXXX spoke to six different reps over 3+ hours, including a manager who told me he would call back within 30 minutes and never did, and when I called back after waiting almost hours, I was told no management was available. I called back the next day on XX/XX/XXXX and spoke to another manager who helped calculate my true balance and told me a dispute, including a dispute for my credit score and owed interest would also be submitted. This manager told me someone would contact me within 24-48 hours. Someone did contact over a week later on XX/XX/XXXX, who then transferred me to multiple reps. I made a large payment on XX/XX/XXXX and was told I would receive an updated statement with my remaining balance of {$150.00} and an email with updates for all of my outstanding disputes.
My final communication was over two weeks ago on XX/XX/XXXX, after I received my last statement still indicating a false balance. I again spoke to a manager who told me my dispute was still being investigated and that someone would call me back soon and I have yet to hear from them. I have spent over 7 months of being run around and lied to. With all of my headache of having my identity stolen, my experience with Goldman Sachs ( Apple Card ) has by far been the worst customer service experience I have ever had. They have ruined my credit and lied to me continuously now for months.
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| 11/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Servicemember |
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I opened my Apple Credit Card account on XXXX XXXX, I was able to use the card through my digital wallet account until receiving the physical card on XXXX XXXX. While having the for only a few weeks I made 2 early payments on my account using my bank account. On XXXX XXXX I contacted Apple about my first billing statement and payment and was advised on how to set up the payment in advance for my billing date of XXXX XXXX. On XXXX XXXX my payment was processed for the full amount owed, using the same bank account previously linked to the account. On XX/XX/2021 at XXXX, a notification was sent to me through Apple about my payment being declined by my bank. I immediately called my bank and they informed that No payment was declined nor attempted by Goldman Sachs or Apple. Upon receiving this information from my bank I contacted Apple and Goldman Sachs to get clarity and an explanation on this issue. Apple explained to me that the account was unlinked and deleted and the payment was reversed. Apple also explained to me that I would have to contact Goldman Sachs directly because the payment account was deleted on their end. Upon contacting Goldman Sachs, no resolve nor clear explanation was given as to why the account was deleted. I then set up the exact same payment account on my phone and it was processed the same day, XXXX XXXX. This was all very unusual because according to Goldman Sachs and Apple the account was not able to be verified and that was the reason the payment was reversed. Yet that same morning I was able to use the exact same banking account and information to process the second payment to Goldman Sachs which was approved and processed. I was able to verify with my bank that the payment had been released to Goldman Sachs by XX/XX/2021. On XX/XX/XXXX and XXXX, 2021, I attempted to use my Apple credit card and it was declined. When I contacted Apple support about this matter I was told that the payment was being held and would be released by XX/XX/2021. I also spoke with Apple and Goldman Sachs about the misinformation being reported to the credit card bureaus. I was told that a dispute will be opened to review the inaccurate information being submitted to the three major credit bureaus. I spoke with two Goldman Sachs representatives that day and was given two completely different reasons as to why information was being incorrectly reported. On XX/XX/2021, I contacted Apple support again because the payment had not been released. I was then told by Apple support that my account was being locked due to security reasons and that they had to confirm attempted transactions on the card. The transactions that they looked to confirm were from XXXX and XXXX, several weeks prior, this was very unusual to me as to why they waited so long to verify these transactions and to tell me that my account was being reviewed for security fraud. After speaking with Apple I then called Goldman Sachs directly, I was then told more information about my account that did not align with what I was previously told. The representative told me my account was being held due to them previously unlinking my bank account and reversing the first payment for XX/XX/2021. The representative then proceeded to unlock the payment that I submitted XX/XX/2021 and told me that it should be released by XX/XX/2021 at the latest. I then requested to speak with the supervisor that could further explain what was going on with this account, as I have never experienced any practices like this with a credit card company. She explained to me that all the information that I had received so far was inaccurate and that she had no way of knowing why the representatives had passed along the wrong information. She herself then became very rude and short with me due to me not understanding why this company had not been able to address the situation correctly. When I told her I wanted to move forward with canceling the card, she told me that she would not be able to do so unless I wanted it to be sent to collections due to a payment being held by them. This credit card company has misled, has withheld and reported in accurate information to not just me but the three major credit bureaus. I believe that this company has unethical practices and should be investigated.
|
| 05/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
Older American |
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My name is XXXX XXXX. I don't know why my name is showing as XXXX XXXX.
I have had the GM Mastercard for over 20 years. During that time with that creditor, I never had a problem with scheduled payments online. Only recently, ( within the last year or so ) the card was changed to Marcus by Goldman Sachs. I haven't used the card much at all.
On XX/XX/XXXX, I charged a charitable contribution of {$51.00} on the card. On XX/XX/XXXX, I scheduled an online payment of {$51.00} for XX/XX/XXXX to pay the full balance due, one day before the due date. Unlike other credit cards for which I schedule payments online, this card does not provide a confirmation number when the payment is scheduled. I received an email on XX/XX/XXXX, confirming that the payment was scheduled for XX/XX/XXXX and I saved that email as my proof of payment.
On XX/XX/XXXX I charged {$500.00} and then on XX/XX/XXXX, I charged {$7700.00} for travel to XXXX XXXX. I planned to pay these charges in full before the due date to avoid interest or penalties. I have SEVERAL credit cards, and always schedule payments online on or before the due date.
On XX/XX/XXXX, I received an email from Marcus that my payment ( which should have been paid on XX/XX/XXXX ) was past due. I called the company immediately and told them that I scheduled the payment online, and that I had an email from them confirming that payment was scheduled. They told me that the payment was cancelled. I never cancelled the payment. Also, I never received any notice from the company that my scheduled payment had been cancelled.
As a matter of fact, when I went online to see what had transpired, there was no record at all of my original scheduled payment of {$51.00} OR the cancellation.
On that first phone call ( I believe on ) XX/XX/XXXX, the representatives assured me that all penalties and fees would be credited. They said they could immediately credit {$25.00} of the {$35.00} interest fee ; however, they would certainly get a full refund to me for the full {$35.00} interest. A review of the recorded conversation will prove this to be true.
To verify that the full interest of {$35.00} was credited, I went online again, as I felt that I could no longer trust Marcus by Goldman Sachs to handle my scheduled online payments. At that time, the rep told me that they could not credit my full interest charge, as it is there policy. I was furious, since I never canceled my payment, and I indicated to them that I think the credit card was participating in fraudulent activites. Why did I not receive any confirmation that my {$51.00} was canceled. As of today, I have paid my entire balance with Marcus by Goldman Sachs. Here is the remedy I am seeking : 1 ) I want a full credit for the interest charged to my account -- every XXXX. I do not feel I should pay {$10.00} when I scheduled the payment online and it was cancelled through no fault of my own.
2 ) I want assurances that there will be no future interest or penalties charged to my account for the money I have now paid in full.
3 ) I want to review the recording of the initial call I made to them on XX/XX/XXXX when the representative told me that all would be credited. The company has advised that they can not provide me with that recorded call.
4 ) I want an apology from the credit card company and a full explanation as to how the cancellation happened.
Marcus by Goldman Sachs seems to be engaging in a scheme to charge people interest. I believe that either the cancellation of my {$51.00} was the result of a hack to their system or that the company intentionally cancelled that payment so as to incur interest on my balance.
Most seniors on a fixed income would not be able to pay an entire multi-thousand dollar balance in full. They would likely be saddled with additional interest charges that would mount on their revolving balance, starting with the ( fraudulently ) canceled payment of {$51.00}. This may be a scheme to take advantage of senior citizens.
I challenge you to look at my record -- check out my credit rating. I pay my credit cards in full monthly. Why would I cancel a payment to Marcus by Goldman Sachs when I had such a large balance on that card for the first time ever?
I am seeking justice in this situation.
|
| 09/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
|
I opened a Marcus account ( XXXX ) to save money for an Emergency situation due to their high interest rate offer. I called ahead and their agent confirmed on the phone that there are no limits to the amount I can transfer from other banks and the number of transfers. I WAS NOT TOLD THAT THE MONEY HAS TO STAY FOR 90 DAYS NOR HAVE THEY MENTIONED ANY OTHER RESTRICTIONS. I started transferring money to my Marcus account from my personal and business accounts. Once I saved enough money, I called Marcus transfer it out for resolving my Emergency situation. Marcus agent initiated the transfer ( around last week of XXXX ) and later in the day, my account was locked and the transfer was reversed. I was transferred to a specialist who gloated that there's nothing he can do. The agent showed no empathy and borderline disrespectful. I called Marcus later that night and expressed my frustration and the fact that they are dealing with human beings, not account numbers and it's the customers money. The agent acknowledged the mistreatment and asked me to call again the next day. I did. I was told that I need to transfer {$140000.00} to my Chase business account which I immediately did over the phone and they unlocked my account. A day later, I transferred rest of the money to my personal account ( pnc ). Later that day, they locked my account again. Their specialist now says that the correct amount to be transferred to my business account is not {$140000.00} but {$87000.00}. I spent the next hour over the phone to complete the transfer to chase and XXXX.
I made multiple calls and multiple request in late XXXX to transfer the {$87000.00} to my Business account which was completed. I asked them to send me the remaining money as a check to my home address. They said that they can wire it instead and it will be faster on XXXX and close my account as I can't take this anymore. I asked them to double check with their specialists/fraud team that they will not cancel this later. They confirmed that it will go through in the next 2-3 business days. I literally cried on the call because of everything that they have done to me and begged them to not cancel this and add all of this to the notes. I broke down in to tears because of what Marcus is doing to me due to my emergency situation and I need my money urgently.
I followed up with them on XXXX, XXXX and they said that it's all good. On XXXX after multiple calls, they canceled the wire transaction again!
I cried again over the call and after spending hours over the phone with multiple supervisors and specialists and agents, they said that they will send the check and close the account and that it will take another 2-3 business days for me to receive my own money.
I have zero confidence that they will deliver on this. I have suffered significant irreversible monetary and emotional damages because of the way Marcus has treated me.
They kept calling me multiple times about a {$25.00} good will credit. I don't want their money. It's an insult to all the injuries that they have caused me. Please stop making these calls and please stop brining this up.
I feel helpless and Marcus is going to great lengths to punish me. I do not understand why. I beg Marcus to help me close my account and send the entire remaining balance to my home address XXXX XXXX XXXX XXXX XXXX NJ XXXX expeditiously without any delay ( with tracking ) by XX/XX/12. PLEASE STOP LOCKING MY ACCOUNT.
I urge Marcus to take this issue seriously. Their teams do not talk to each other and are screwing customers like me. One team member initiates a transaction promising the customer that it will go through and another team member from fraud team will cancel it later. They require all funds to go to the original accounts. I told them repeatedly that it's not possible as I liquidated some of my accounts when I deposited the money and there's no way to send the money back. I explained this to them multiple times for the past few weeks. They acknowledged it multiple times and they keep canceling my transactions. Please warn customer and the general public that Marcus will treat their customers with disdain and will not help in any way shape or form to resolve the issues in a timely manner.
|
| 01/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
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I have had an outstanding dispute going on with Apple Card since XX/XX/XXXX. I was in XXXX, and my friend destroyed the XXXX/XXXX hotel room we were staying in and was XXXX for it on XX/XX/XXXX. However, I was wrongfully charged {$3300.00} for the damages done to the XXXX hotel. I disputed the charge on XX/XX/XXXX. I was then given {$510.00} back from the XXXX on XX/XX/XXXX as a price adjustment, making the total cost {$2700.00}. A short time later Apple Card gave me a provisional adjustment of the amount of {$3300.00} since I had disputed the transaction.
This friend went to court for this matter on XX/XX/XXXX, the court charged him {$2500.00}, which in turn paid the XXXX for the damages and cleaning fees. The XXXX then filed a report to Apple Card basically stating that I do not owe the {$3300.00} they charged me and that I would owe the {$510.00} back when it gets resolved. ( So Apple only needs to change it from a provisional adjustment to a solid adjustment to fix this. ) I called Apple Card shortly after my friend paid, and Apple told me that it will be resolved within a couple weeks or at least be resolved by the date XX/XX/XXXX. I was also told that I would receive a call and some sort of statement email before that date.
Everyone that was involved in this matter had sent all of the proper documentation and more to Apple Card, so I was pretty confident that it would get resolved quickly. XX/XX/XXXX also happened to be the same day I took this friend to court for the same matter. He owes me more on another card, so I was expecting a decision from Apple to be made by then so I would know exactly how much to sue him for. However, no attempt to contact me was made from Apple by XX/XX/XXXX. So I got the court date extended to XX/XX/XXXX since no decision could be made by Apple.
I called Apple Card to see what the deal was, and now they say that the longest a dispute can last is 90 days and that there must be a decision made by then no matter what happens. That made XX/XX/XXXX the 90th day of the dispute so I figured that Id be good for my XX/XX/XXXX court date.
XX/XX/XXXX came and went with no resolution, so I called again multiple times. All the Apple Card support techs were shocked that this had happened. I was told by multiple managers that they were working on it personally, and it will be done within days. They gave me their direct email addresses and said theyd call within the week, but I was never contacted again and they ghosted my emails I sent back. I escalated this matter on at least 5 separate occasions and no follow up attempt was made from Apple at all. I re-sent all the information, documentation, receipts, bills, emails and everything in hopes of speeding up the process. But nothing I did helped.
I had no resolution by XX/XX/XXXX, so I called and said I needed to get an official statement from Apple Card for the court. Stating that they surpassed the 90 day dispute limit and that every other party has done everything within their power to resolve this issue and Apple is the sole reason for the delay. The manager I was on phone with, sent it directly to her boss and sent me her direct email address so I could follow up. This manager and I had an extensive conversation about what had happened to me and how important that it is that I get this statement for court. The next day XX/XX/XXXX I received no email, or statement, or call at all from the boss or the manager. I emailed back the manager and never received another email. I called and asked for her name but nobody knew who she was so I was dead in the water with nothing for court.
Because of this, I was forced drop the entire court case and I now have wait for whenever Apple decides they want to resolve this issue to re-sue my friend. Apple Card lied to me multiple times about the specific dates of when I would receive a decision regarding my dispute, they lied about specific details regarding my account, and they lied to me about contacting me back and contacting their boss. They surpassed the maximum dispute limit of 90 days by 28 days and Im still stuck in the same spot I was in on XX/XX/XXXX. Ive done everything I needed to do on my end to resolve this issue and Im the one getting XXXX.
|
| 06/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American, Servicemember |
|
We obtained a loan from XXXX XXXX, a Georgia banking corporation Lender Correspondence Address : GreenSky Program Attn : XXXX XXXX XXXX XXXX, XXXX, GA XXXX thru XXXX XXXX XXXXXXXX located in XXXX XXXX XXXX, XXXX, Kansas, XXXX. Please see the loan document.
On the day of the installation, which was a very hot and humid day, neither the installation manger nor the salesperson was present. The two workers had much difficulty installing the window and the door. The window and the door did not fit in the cavities, which were created as the result of removing the existing window and the door. The workers tried their best, while constantly complaining about the weather. The railings where the window and the door open and shut were mostly stuck and they were not flowing smoothly. Please see the attached sheet provided to us by XXXX. It shows how important the installation is. The installation was faulty and the door and the window appear to be used with incorrect exact measurements.
The workers gave us a completion check out sheet to sign that the work is completed and all standards are met. We refused to sign the sheet. XXXX can not produce this signed sheet from us, which is a normal thing to do upon the work completion.
We began to contact the company and salesperson. They were not responsive, while claiming leaving many messages which did not exit. Eventually we got XXXX, the installation manager to come out and examine the works. He was disappointed in the works performed. This was clear from his expressions and the words he was uttering. He took at least 30 pictures on his XXXX and took extensive notes. He said he would talk to the general manger, XXXX XXXX XXXX about this.
The work required replacements of the window and the door. XXXX and XXXX XXXX did not want to do that then, days after the installation and now. The new window and the door would cost a lot for XXXX. They want to send someone ( in the areawho does not work for the company ) to fix something. XXXX XXXX wants to put a Band-Aid on the problems and get the problems over with. The installation was faulty and thats what XXXX, the installation manger told us in so many words.
We sued XXXX in XXXX XXXX, MO for {$5000.00} in the small claims court. He refused to accept the summons and lied about not accepting the summons. We sent the court documents to GrenSky. XXXX XXXX upon our recent contacts with him stated that there is no record/memory of our complaints and our contact with him about our problems. Then he backtracked once we provided documentation to him to show otherwise.
In short we have done anything humanely possible with XXXX and XXXX XXXX. He believes that we have no installation problems ; we have never sued him, somehow someone can fix somethingsomething that he does not what it is ( or what they are ). We are the end of our good faith and lengthy process of finding a resolution with XXXX XXXX. He hires unqualified installers for $ XXXX hour and uses his limited warranty to avoid accountability. He knows how to refuse summons and not face the court. XXXX is an aggressive company with multi-advertising and promotion campaigns from TV infomercial to people knocking on your door. Their efforts are concentrated on sales rather than doing the work right. Their prices are at least twice as much as those of many of its competitors.
XXXX installed faulty window/door. This has nothing to do with the limited warranty. This is a fraudulent business activity. The loan secured on this fraudulent business activity is a fraud as well. We have paid a significant portion of this fraudulent contract. This paragraph comes from the loan agreement you gave us : " If you are dissatisfied with the goods or services that you have purchased with your Loan, and you have tried in good faith to correct the problem with the Merchant, you may have the right not to pay the remaining amount due on the purchase. '' Please also note : In XX/XX/XXXX, the Consumer Financial Protection Bureau ordered GreenSky to cancel up to {$9.00} XXXX in loans and pay a {$2.00} XXXX penalty. GreenSky received at least XXXX complaints between XXXX and XXXX from consumers.
|
| 08/06/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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On XX/XX/2022, I opened a high-yield savings account ( HYSA ) with Marcus by Goldman Sachs XXXX Marcus ) with {$72000.00}. Shortly after, on XX/XX/2022, I transferred an additional {$1000.00} for a total of {$73000.00} in my Marcus by Goldman Sachs HYSA.
On XX/XX/2022, I made a purchase of XXXX through XXXX using my HYSA. Two days after, on XX/XX/2022, Marcus made a transfer reversal. I called Marcus the following business day ( XX/XX/2022 ) to understand the reason for the reversal, and the Marcus associate explained that the reversal was done by XXXX. I called XXXX the same day, and they said that the reversal was done by Marcus. I then called Marcus back and spoke to a different associate, who explained to me that Marcus HYSA is an account that only serves to save cash, earn interest, and make transfers between financial institutions, not necessarily to make purchases e.g., purchase of an XXXX Therefore, that was the reason for the reversal of the funds.
Keeping in mind what the Marcus associate explained, I decided to then transfer funds back to my linked account in Marcus ( my XXXX XXXX checking account ) on XX/XX/2022, and on XX/XX/2022 the funds were, once again, reversed into my Marcus account. I called Marcus and the associate, once again, mentioned that the transfer was reversed by XXXX XXXX, and that I need to talk to XXXX XXXX in order to resolve the issue. When I called XXXX XXXX they mentioned that they did not make any reversals and that I need to call Marcus back. I called Marcus and after waiting in line for an hour, I was then transferred to a specialist. The specialist explained that my account was going to be closed and the reason for closure could not be disclosed, per the agreement. I immediately asked the specialist about my funds and what was going to happen to them, whether they were going to be transferred back to my linked account in Marcus or sent via check. The specialist assured me that once the account closure is finalized that the funds were going to be reversed back into the account that originally funded the Marcus HYSA.
Moreover, I explained to the specialist that I closed my XXXX XXXX savings account ( which is the account that originally funded the Marcus HYSA ) in order to avoid monthly fees from XXXX XXXX since all my funds were now sitting in my Marcus HYSA. The specialist said that they will then send the funds to the linked account in Marcus, which is my checking account with XXXX XXXX, and the associate confirmed the account number via phone. After waiting for the arrival of the funds for a few business days, I decided to call Marcus back and check on the status of my account and funds. The associate explained that my account is still being under review and the closure can take up to 10 business days and that the only way they can send my funds back to me is via a reversal of the funds to the account that originally funded the account or a check. I explained the issue again to the associate, and how the account that funded my Marcus account is no longer active, and the associate said that they will then have to send a check. After waiting a few weeks for the check, I called Marcus the week of the XXXX of XXXX. The associate said that my account was still under review and that no check had been issued yet. I escalate the issue to a manager/supervisor since the associate mentioned that the reason for the delay was not being disclosed to him by the account reviewer. Further, once I was transferred to a supervisor, the supervisor said that the reason for the delay can not be disclosed and that she will try her best to speed up the process.
On XX/XX/XXXX, I received a call from a Marcus associate. The associate mentioned that my account is still under review and confirmed my mailing address via phone. This is the last time I spoke to a Marcus associate. Almost three mo
nths after the creation and funding of my Marcus HYSA, I still do not have access to my funds. Ive called Marcus several times to get an explanation ( or an update ) and the issue has not been resolved after three months. The bank is withholding access to my funds.
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| 08/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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XX/XX/XXXX at XXXX XXXX an internet transaction was made for the purchase of {$540.00} at XXXX XXXX for in-person pickup. ( Image of receipt obtained from Goldman Sachs on XX/XX/XXXX, is attached with this complaint ) XX/XX/XXXX XXXX XXXX There were two charges made that day at the same time. I immediately disputed both. The smaller one for scooter rental in XXXX XXXX was reversed.
XX/XX/XXXX Received a charge on my credit card for the disputed amount. I called and spoke with someone called XXXX at Goldman Sachs. I was threatened that Goldman Sachs would report me to collection agency if I do not pay the disputed amount. I paid that amount on the spot ( Apple allows payments to be made on the spot ) and canceled my credit card.
In that phone call, I requested proof of the basis of their decision that this charge was not fraudulent.
They did not provide that proof.
XX/XX/XXXX I phoned Goldman Sachs because I received an email asking for marriage certificate or court document ( I did not see why that request was relevant to the case ) XX/XX/XXXX I phone Goldman Sachs regarding their email and they said that that was a form letter. What they required was any additional information supporting the disputed charge.
XX/XX/XXXX I sent them supporting documents ( all of them are attached with this complaint ) XX/XX/XXXX Followed up with a phone call since there had been no reply from Goldman Sachs. They promised an escalation of my case. No reply for another month.
XX/XX/XXXX Phoned Goldman Sachs again. They promised an escalation and that someone would contact me.
XX/XX/XXXX I phoned Goldman Sachs again and spoke with XXXX. Once again requested evidence that they used to make their decision that I had made the purchase. And inquired if they had received my supporting documents. They asked me to send the documents again.
XX/XX/XXXX I sent the same documents and a cover letter again ( all of this attached with this complaint ) XX/XX/XXXX Phoned Goldman Sachs again and spoke with multiple people who kept transferring my phone call. Eventually reached someone who said she was from the Dispute Department. She claimed they have proof that I had made the purchase. I asked for the proof.
XX/XX/XXXX I received a copy of the signature used when the goods were picked up from HomeDepot ( attached with this complaint ) That signature that they provided as proof, is not mine.
The initial order was made online at XXXX XXXX on XX/XX/XXXX as shown in the shop receipt sent to me by Goldman Sachs.
I was on a flight from XXXX to XXXX XXXX with plane touchdown in XXXX at XXXX PM XX/XX/XXXX. By the time the plane reached the gates and passengers deplaned and cleared customs and immigration and picked up baggage, it certainly was not XXXX XXXX. ( airline ticket and proof of completion of travel are attached with this complaint ) I went straight home and slept.
I have provided Goldman Sachs with an airline ticket, sworn and notarized affidavit, a full timeline of my travel, and witnesses to my presence at home ( sleeping ) ( all attached with this complaint ).
I called Goldman Sachs again and they said they can do nothing about this and I have to take this up with XXXX XXXX.
I kindly request that since I never made that purchase, this is a fraud. This is also an instance of unnecessary and unexplained delay in responding to my multiple requests to provide proof of their documentation which I hope is not an attempt to hide the fraud. Finally, Goldman Sachs 's claim that they can do nothing about this fraud is against my cardholder 's agreement.
I request reparation and return of the {$540.00} to me which I paid to Goldman Sachs under threat by their agent called XXXX on XX/XX/XXXX that she would report me to a credit agency for a purchase that, I swear under oath, I never made and have provided proofs and affidavits from my side supporting my dispute that I did not make that purchase and for which the documentation from Goldman Sachs does not support their claim that I had made the purchase as the signature on their copy of the receipt from XXXX XXXX is not my signature.
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| 05/05/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
Older American, Servicemember |
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Home Depot Project Loan XXXX XXXX XXXX XXXX, GA XXXX Payments to : Dept # XXXX The Home Depot XXXX XXXX XXXX XXXX, AL XXXX RE : The payments to this account have been sent via e-check from day one. I verified this with my bank about 2 weeks ago. The receiving company gets the payments within 2 or 3 days of when the money comes out of my account.
I have photos of the statements involved. In general, the entire last year. The transaction date on the statements will support my claims.
Payment due : XXXX of the month Initial Bill Pay send date : XXXX of the month Bill Pay send date over the past year : XXXX of the month Summary : My payments on this account are arriving on time. This is even reflected in the statements. However, the company has been delaying posting for as much as 3 weeks. I pointed this issue out to the CS representative a year ago. This has been happening every other month at this point.
The only other delay in paying this account was when a 3-month extension was offered due to the COVID outbreak, and that was authorized.
In fact, I happened to notice this happening last year and I put my payment date back 2 more days. In addition, Greensky and Home Depot are each calling me daily ( I have not answered ) about this account. I have a life and no staff to go back and audit the account, write letters, make or take phone calls where I just end up explaining to morons that the issue is not on my end. The problem is on their end, and I am very busy with my life. The proof is on the account statements. Luckily, I have paper statements on this, but they have it all on computers and it should be easier for them to have noticed and fixed this issue. The problem is that the customer is always blamed. To make things more difficult for me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Im trying to update this older home while taking care of it. These calls make it more difficult for me to function.
When I did speak to their rep, I was only credited for 1 late fee because that was all that she had the power to do. Waste of my time. Fix it all!
I pay monthly, automatically, through the bank web bill pay option. On the first payment, I keyed in the number of payments to get to the final one. This means that for nearly 3 years now, the payments have been untouched by me and sent in exactly the same manner other than when I adjusted the payment date last year. I generally dont even open the statements for a couple of months, until I go to file them away.
Additional information : I purchased an air conditioning system ( including ductwork ) from Home Depot 's vendor at 0 % interest a little over 3 years ago. Additionally, the system has proven to be far below the quality that was described to me by their salesman ( lower-level ductwork and a system that the repairman stated has a part that is known to fail annually, and the concrete pad was cracked on day 1, I did send them that information in my first complaint ). In fact, we had to have a repairman come out to have a known defect ( his admission ) replaced when the system was only 1-1/2-years old. On top of this, they have never closed the permit on the installation.
I paid extra for this A/C system in the first place for a few of reasons ; American made product, Home Depot vendor , product support ( although it seems more like they take advantage of you ). My son was XXXX when he saw the ductwork they were using, and I dont think the system operates as described either.
We recently had a different service company ( XXXX ) come out instead of XXXX having had a bad experience with our first XXXX service call. XXXX offered a lower service fee and didnt even charge us for the visit as opposed to XXXX who charged us for what seems should have been a warranty visit ( we have learned the failing part should have been covered ). XXXX stated that it would be cheaper to have them come out for an annual maintenance call. Our issue would be incorporated in that work, but they also gave us free advice on how to correct the issue we had ( a clogged line ) that had stopped the system from working that day.
|
| 12/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX, I was traveling in XXXX, XXXX, as part of my vacation.
XXXX aka scopolamine is an infamously potent drug that's used to rob people and can be administered in a number of ways, including in someone's drink. It's odorless and tasteless, but the real devastation is that it wipes your memory and renders you highly suggestible to anyone, including your assailants. Things like ATM pin numbers are freely given over ; victims have been known to assist their captors with removing furniture and belongings from their home, etc. It can be read more about here : https : XXXX On XX/XX/XXXX after checking my Apple Card balance, I saw that it was significantly higher than it should have been it showed 3 massive charges that I had no memory of making : XX/XX/XXXX {$1200.00} to Bold Club ( Bold is XXXX 's version of Square to XXXX payments on mobile ) XX/XX/XXXX {$630.00} Inversiones XXXX XXXX XX/XX/XXXX {$800.00} The transactions were made between XXXX A.M. and XXXX A.M.
Not even aware that I had " missing '' time from my memory, I retraced my steps from the night of XXXX XX/XX/XXXX using the memory I did have, as well as geo-tagging on my XXXX, XXXX XXXX XXXX etc.
I was with XXXX men who I had met at a club as they told me they were the owners and had a VIP section. Given that I was traveling alone, havinXXXX two XXXX men who were in a position of authority and invited me in felt like I would be safer.
They were receiving free drinks and offered me some. We went to 2-3 more destinations together with them and some of their friends, and at some point during all of this the scopolamine was administered to me.
On the XXXX once I realized I'd been robbed, I immediately told the manager of the hostel where I was staying. He had also been " scoped '' as they call it last year. He heard my entire story and said when I had arrived home the morning prior I was disoriented and agitated.
An employee of the hostel accompanied me to the police station where I filed a police report. That report was then mailed via XXXX to Goldman Sachs, which apparently only accepts snail mail via their XXXX XXXX XXXX XXXX, which XXXX can't deliver to ( and there's no XXXX in XXXX ). Consequently I had to have the package diverted to my mom 's in California, where she could open the report and send it by XXXX to Goldman Sachs. This was sent Priority Certified on XX/XX/XXXX.
The police concluded I was likely given burundanga, given that my symptoms were exactly how the drug affects people, the high rate of its use, the area I was in XXXX XXXX T ) which is known for tourism and therefore targeting tourists, and the huge amounts of the transactions which far exceed the cost of almost anything in XXXX ( for perspective, a month 's rent at my apartment in XXXX is {$290.00} ; so nearly {$2800.00} is an insane amount for XXXX.
I also noticed on XX/XX/XXXX that I seemed to have a welt on my upper left forehead, as though I had been hit there.
On XX/XX/XXXX I received 3 notifications ( one for each transaction ) in my email that Goldman Sachs/Apple XXXX XXXX XXXX my disputes, and they were denied because I " authorized '' transactions, with no recognition of the fact that I was under duress and drugged.
I was shocked, saddened, and angry. It felt like I was being robbed all over again. To undergo a traumatic experience like that, only to be told that " we don't believe you '' and to have that money taken again is a terrible feeling.
I called the Apple Card Specialist number listed in the email I received and spoke to a woman for something like XXXX minutes. She couldn't even tell me whether Goldman Sachs had bothered to read the police report given that it was obviously written by the officers in XXXX.
This money is a huge amount to me. I can't afford to lose it. There is article after article out there about this drug and the toll it takes on people ( some are overdosed and end up XXXX ). I've met many people who've been scoped, and I really hope these charges are reversed so that I can start to heal from the trauma of this incident.
Thank you for your time.
|
| 11/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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NEW EVIDENCE in response to an earlier reported issue has been acquired, further proving that Apple Card/GS Bank experienced an error resulting in payments to Apple Card being `` returned '' ( bank statements/newly acquired letter from XXXXXXXX XXXX show they were not returned ) from previous months. This resulted in Apple Card/GS Bank retroactively changing credit bureau reporting for XX/XX/XXXX to suggest a payment at 30+ days late. New documents and the following information show that not to be the case, and that this issue did not originate with the consumer ( myself ) or XXXX XXXX Apple Card 's earlier response to an investigation state : " The Bank directs the Customer to the financial institution the payments came from regarding the returned payments. " My bank, XXXXXXXX XXXX responded ( letter attached ) stating that there were no interactions - debits or credits - related to the returned payments Apple Card mentions, rendering it impossible for XXXXXXXX XXXX let alone myself, to have requested returns, or for XXXX XXXX to have rejected payments. I received " payment failed '' notifications on XX/XX/2023 for Apple Card payments ranging XXXX. Those payments, including the payment on XX/XX/XXXX for {$190.00}, showed as " posted/successful '' on the Apple Card for 45 days. Neither Apple Card or myself had any knowledge of XXXX 's payment being anything other than satisfactory from XXXX. The card 's balance reflected that payment as successful, and the available credit reflected a successful/satisfactory payment. Furthermore, within an hour of receiving notifications that there was an issue with payments, it was rectified... I re-sent payments immediately and followed up diligently to ensure their success. It is worth noting that had I chose to follow up every day from XXXX to ensure XXXX 's payment was successful, I would have been told " yes. '' Initially, Apple Card reported a XXXX days late payment for the month of XXXX to credit bureaus ( XXXX were accurately reported as on time ). This was false, as Apple Card statements for every month since membership began shows on-time payments. Apple Card corrected the month of XXXX to show " on time '', then retroactively changed XXXX 's status to " XXXX days late. '' Apple Card responses state that because XXXX 's payment was " returned '' it rendered it late, and they are required to report it as such. However, every document included in this complaint shows that the consumer ( myself ) fulfilled all obligations to make on time payments, had no knowledge of the need to re-issue a payment, and that my bank had zero knowledge of any issues. The moment an issue XXXX, it was rectified. If Apple Card had payments left " unsatisfied '' for XXXX, such was only the case for an hour. There were no late notifications in the months/weeks leading up to this, and the card functioned normally. Lastly, it's worth noting that over the course of several interactions with supervisors, one Apple Card representative did discover an issue on their end that caused this, and it is NOT the issue stated in Apple Card 's previous CFPB response. This representative spent hours identifying, detailing and notating the issue from their end, but it appears that those notes are either buried deeper than Apple Card cares to investigate, or they can not be found. The attached letter from XXXX XXXX along with XXXX XXXX statements showing no interactions from Apple Card on these transactions, should be considered as proof that myself nor my bank did not initiate returns. XXXX 's XXXX XXXX statement shows no returns corresponding with Apple Card 's XXXX statement. As a consumer, I seem to be lost in the middle of technical glitches, and regardless of their origin, all I have done is pay the Apple Card bill on time, every month, and work to resolve any errors stemming from companies promptly. I kindly request that the Apple Card/GS Bank correct XX/XX/2023 's credit bureau reporting to reflect that I made those payments on time ... any issues arising from those payments were beyond mine and my bank 's control.
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
XX/XX/XXXX - AppleCard first rejects my auto payment from XXXX XXXX XXXX of {$55.00} The following dates are dates of the further attempts and amounts : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ( Again ) - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX After 12+ hours and XXXX representatives combined on the phone a manager recommends trying to add money to apple cash with my card then try paying with apple cash. This worked and a payment of {$650.00} was successfully made on XX/XX/XXXX.
On XX/XX/XXXX another XXXX card transfer of XXXX was attempted in an attempt to see if the issue was resolved. It has not been resolved and rejected it again. Every payment since XXXX, XXXX has been made manually through transfer to apple cash and then transfer to the apple card.
The following is the letter sent via certified mail to Goldman Sachs and Apples headquarters on XX/XX/XXXX, so all this information was accurate at the time of the letter but more calls were made after that point : ==================== START LETTER ========================== Steps taken in an attempt to make a payment to Apple GS Bank Card.
- Over 9 hours on the phone with customer service, customer service supervisors.
- Attempted payments ranging from {$55.00} to {$900.00} on 14 separate occasions - Requested call back and filed a complaint with a service rep on 3 separate instances. Call back was never received.
- Removed and re-entered payment information - Removed and updated billing information - Over 3 combined hours on the phone with payment bank customer service - Requested trace number to trace transaction, none provided that bank could find - Inquired about possible auto-pay directly to XXXXXXXX XXXX XXXX XXXX bank auto-pay, was told this is not an option - Informed on 2 separate occasions a transaction dispute would be filed so it wouldnt go to my credit - Inquired about any other possible payment methods OUTSIDE OF creating another bank account, no options provided - Spoke with manager at Goldman Sachs corporate office , said a call back would occur, no callback ever occured - Requested collections statement be removed as this is a disputed transaction, informed this will not be removed - Discussed options with a licensed attorney - Filed a complaint with consumerfinance.gov - Opened a dispute with credit bureaus, they reached out to Apple/Goldman Sach who said it was reported accurately - Sent this letter to GS Bank Corporate, and Apple Corporate locations ======================== END LETTER XXXX XXXX have a Top Secret//SCI w/ XXXX security clearance where my credit must be in good standing that this affects.
I have been denied a credit card, and denied low rate refinancing, and have a high interest rate on my current auto loan due to to recent serious delinquency, to many serious delinquencies, to many serious delinquencys, whereas apple is my ONLY delinquency listed on my credit report.
I have filed disputes with all credit bureaus, and Apple twice ( currently a 3rd one is open ), every dispute has been returned that Apple assures information was reported accurately and credit report will not be changed.
I will be attaching the document showing my bank DID NOT decline any payments, theres no stop payment and that it was on Goldmans Sachs end.
Credit reporting IS NOT accurate if their payment system is faulty and will not accept the several attempted payments. To this day if I try a direct payment through my bank/debit card it STILL declines my payments. I must add money to Apple Cash, then use the Apple Cash to pay my Apple Card for it to work ( I wasnt told about this work around until after 2 months of the system refusing my payment ) I have included XXXX and XXXX on my report because when I try to dispute with them all they do is reach out to apple and ask if they reported correctly. They do not even allow me to submit ANY documents or anything.
|
| 03/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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XX/XX/2020 Received notification that Goldman Sachs Bank had made a hard inquiry of my credit report from XXXX. There is no reason this should have happened since I have not applied for, or been granted, credit by anyone in over a year. I phoned XXXX the same day. They informed me that I should contact Goldman Sachs. Phoned GSB to notify them of the error. They requested that I send physical documentation including a printout of my credit report, and a letter stating the problem. They said that once these documents were received they would resolve the problem. I complied fully.
XX/XX/2020 Mailed all documentation requested to Goldman Sachs address provided by the company.
XX/XX/2020 Phoned GSB customer service. Spent 90 minutes explaining the problem.
I received promises that the problem had been documented and that someone would email me with an update within 48 hours. No update was ever sent.
XX/XX/2020 Phoned GSB customer service. Spent 2 hours re-explaining the problem and providing more of my personal information they claimed was necessary to resolve the problem. This time I demanded that the call be escalated to a supervisor. During this call I was told that the person who applied for credit used my SS # but her name was XXXX XXXX, and that none of her other information matched mine. Knowing that it wasnt me I was assured that the entries to my credit report would be removed quickly. This time I requested a case number so that I would not have to keep repeating the problem every time I called. I was provided with a 6 digit reference number that I was assured would allow the representative on any future call to access the case details. The representative took my phone number and promised that he would personally call me within 24 hours to confirm that the issue had been resolved. No call ever came. When I asked to speak with him during the next call they said that no one by that name worked there.
XX/XX/2020 I was alerted once again by my credit monitoring service that a new account had been opened under my ss #. I viewed my credit report to learn that GSB had now opened the account for the person they had already identified as having made the fraudulent application. It was an Apple charge card with a {$10000.00} credit limit that was now listed among the other credit I was responsible for.
XX/XX/2020 Phoned GSB customer service. I provided the case number I had been given, but was told that customer service agents had no access to that information, and that I would have to explain the problem all over again, and provide all of my personal information, before they would help me. This call was escalated twice to supervisors who said they were working on the problem. They refused to provide me with any promises or even assurances that this account would be removed from my credit report. Each rep I spoke with claimed that they did not have the authority to remove anything from my credit report, and that the people who did have that authority could not be reached by phone.
XX/XX/2020 Updated notice on the fraudulent account says that a balance transfer is pending.
XX/XX/2020 Filed a dispute with XXXX notifying them that the Apple Card from GSB was fraudulently opened using my SS #, and that GSB refuses to close the account or remove the items from my credit report.
This report is also being filed on XX/XX/2020. This covers a period of almost one month during which I spent over 6 hours on the phone with GSB ( one time on hold for over 30 minutes ), and divulging all my personal information to them while receiving no action on their part to resolve this issue.
It is pretty shocking that Goldman Sachs Bank would authorize the inquiry to my credit report based on no matching information except my SS #, and that they then would authorize the opening of an account with a {$10000.00} credit limit to a person that they knew had fraudulently applied for credit. Apart from that being a stupid way to run a business, they apparently don't care who they damage in the act of making money.
|
| 12/08/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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Dealing with Marcus has always been difficult. I am dealing with them because of the lack of alternatives to obtain reasonable yields on bank accounts. There is minimal customer service and the app/website ( XXXX ) is severely limited in terms of information provided and types of transactions that can be accomplished. In the most recent case, I had a CD that was coming to its maturation date. I simply wanted to take the low-yield CD and put the entire balance into a savings account at Marcus. This simple transaction could not be accomplished on the XXXX so I called their highly automated and impersonal phone system and eventually ( after several tries ) set up the transfer with a phone rep.
On the CD maturation date, however, the funds were not handled as arranged. Marcus never informed me that this happened ; I had to discover this when checking the account almost XXXX weeks later. I called and had to speak to 5 or 6 individuals on several calls. Part of this involved trying to set up a new savings account jointly owned by my wife and I. I had to get my wife on the phone to set up this account ; the first time we went through the process, the account apparently was never set up, because I had to repeat the entire process again on a later call. Promises to call back were not kept and after each failed interaction I had to work my way through an annoying and time-wasting automated phone system. Reps were ignorant of how to fix the issue.
Marcus acknowledged that their error had caused the problem but were unhelpful in implementing a solution. My request to learn about the current status/location of the funds ( since the CD had matured XXXX weeks ago ) could not or would not be answered. Requests to speak with a manager were answered with a response that a manager would call me, but no call was ever received by me. At this moment, I still do not know the status or precise location of my funds ; the agreed upon maturation plan has not been carried out ; Goldman is refusing to credit me with interest that has been lost by their failure to transfer the funds to the savings account on the arranged date ; questions about the propriety and sufficiency of their customer support given the large amounts involved have not been answered or resolved.
The takeaways from this experience are : ( 1 ) Goldman mishandles large amounts of money and do not inform the customer when an error occurs.
( 2 ) Goldman does not follow instructions previously agreed with a customer and does nothing to alert the customer that the agreed plan was not completed ( XXXX ) Substantial amounts of money, representing a substantial portion of a customer 's life savings, go into a kind of limbo and nobody at Goldman is available to explain their exact status or how the problem can be solved ( 4 ) Promises to " get back '' to the customer are not honored ( 5 ) Employees lack the expertise, authority and/or willingness to properly escalate issues that are not getting resolved. Employees state that they can not identify who their supervisors are and that they can not contact individuals with whom a customer has previously dealt, forcing the customer to repeatedly provide the same information and background to a new person each time. No system seems to exist to capture customer information to allow cases to be seamlessly processed.
( XXXX ) Employees do not provide actual problem-solving ; rather, the all read from a pre-prepared script, but the canned responses they insist on never deviating from do not solve the issues.
( 7 ) Goldman does not take responsibility for errors that it makes in handling customer funds, including failing to credit interest that would have been earned had the customer 's instructions, as previously agreed with Goldman reps, been properly carried out.
I need assurances that these issues have been fully resolved, an authoritative and reliable accounting of the status of my accounts and assurances from an appropriately senior individual as to how the accounts will be handled in the future.
Thank you.
|
| 11/26/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
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I have been a customer of Marcus By Goldman Sachs for over two years and currently have Savings and CD accounts with them. I recently encountered an issue caused by their malfunctioning mobile application but did not get any resolution from them up till now, even after many hours of calls/chat with their Customer Service agents since XXXX ; therefore, I am filing my complaint to address my concern on their data collection process, non-transparent usage afterwards, refusal to provide written statement on acknowledgement of the issue, and lack of timely resolution of the problem.
Details on the progression of the issue are explained as follows : XX/XX/2020 ( late evening PST ) I logged into my Marcus mobile app. As soon as I logged in, I noticed a popup modal requesting to confirm my country of citizenship. As I was reviewing the details in the popup, it suddenly disappeared. I immediately called Marcus Customer Service to report about the issue I encountered. I found out it was outside of their service hours and made a note to call them the next day.
XX/XX/2020 ( next day ) I called again Marcus Customer Service to report the issue. I got connected to an agent so I explained what happened the day before and asked the agent to check the information on my country of citizenship. Surprisingly, agent explained that the citizenship in their system is different now compared to what was in the system prior to XX/XX/XXXX. The agent acknowledged that this discrepancy was due to the issue I faced the prior day with the popup I received in my mobile app. I immediately requested the agent to revert back to how it was before, to reflect the correct country of citizenship, XXXX. The agent went ahead and updated as per my request and then confirmed that he made the fix in their system with the correct country of citizenship information reflected. I also requested a custom letter to be sent out to confirm that the fix was made correctly for future records. The agent mentioned it would take 7-10 business days for them to send out the letter.
XX/XX/2020 ( 11 days passed ) I still did NOT receive any letter from Marcus on the above mentioned issue at the time. So I called Marcus Customer Service again to inquire about the status of the custom letter that was supposed to be sent out to me. The Customer Service agent said the custom letter was approved but waiting to be sent out as Marcus has two internal system and the country of citizenship fix was correctly done in one system, however, the other system was not fixed correctly yet. The agent mentioned once the technical issue is fixed on the other system that is not fixed, they will mail the letter.
XX/XX/2020 ( 42 days passed ) I still did NOT receive any letter from Marcus. I called their Customer Service again and inquired about the status of the letter and the fix. The agent said that the technical team is still working on the problem and they dont have any ETA on when they will fix the problem. I requested the case to be escalated and requested immediate resolution.
XX/XX/2020 ( 53 days passed ) I still did NOT receive any letter confirming they have fixed the problem. I called Marcus Customer Service again to ask the status. The Customer Service agent provided the same answer that technical team is still working on the fix and theres no ETA. I asked the agent to share details on what the impact would be for having incorrect information in one of their system. The agent declined to provide any details in written letter on how the impact will be within Marcus and to parties Marcus is sharing the information with, which I am entitled to know under XXXX as a California resident. The agent also advised not to call back anymore and they will only call back once the technical issue is resolved.
On the day of writing this complaint, it has been 53 days and counting without any resolution nor any ETA nor a written clarifying explanation on the impact of the delayed fix on the issue for the customer, which was caused because of Marcus system failure.
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| 04/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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On XX/XX/2022, I applied for the XXXX XXXX from XXXX XXXX. Through the application I applied for a balance transfer from XXXX XXXX to Apple Card ( Goldman & Sachs ). I was approved for {$2300.00} to be transfer to the Apple Card. On XX/XX/2022, the balance transfer appeared in my XXXX XXXX account but not on my Apple Card. I waited 7 days because I know a transaction like can take a few days. When nothing happened I reached out to Apple and they notified me that they do not accept balance transfers electronically and that the money would be returned when received but that at the moment nothing had been received. I reached out to XXXX XXXX and I was told to wait because sometimes transaction can take up to 30 days. I kept waiting and called back but this time I did a three way call with Apple and XXXX XXXX. Apple informed XXXX XXXX that funds were not received so a refund could not be made. After Apple left the call XXXX XXXX offered me to escalate the issue with an investigation that could take up to 90 days.
This was in XX/XX/2022. I kept calling throughout the 90 days and was told to wait and I did. At the beginning of XXXX, I decided to go personally to a XXXX XXXX branch here in XXXX. I went with all my Apple Card statements since XX/XX/2022 to show them that nothing was received. The banker told me that she would do everything in her power to help and apologized in behalf of the bank. After she made calls I was told the same that the 90 day investigation was still under place and that I needed to wait XXXX more weeks so I waited. I then received an email saying that the balance transfer was successful so no refund was going to be provided. I went back to the bank and met with the banker again and she told me the same but that she would try and find out more.
She sent me a document via email of the balance transfer information and when reviewing the document I noticed that the credit card number was incorrect and that the bank where the money went was to a XXXX and not a Goldman & Sachs. I decided to call Apple again and the representative told me that they could start a payment dispute but that the credit card number entered did not belong to a XXXXldman & Sachs account. I informed all of this to the banker from XXXX XXXX and I was told that because I entered the information wrong and that the money had already been paid by the bank they could not do anything else for me. Nonetheless this experience has been the most frustrating ever. My bank to which I have entrusted my money for the past 2 years has not had my back or not even the will to help me contact XXXX which I can not contact because I do not have an account with them and I have been left to do an investigation myself when I do not have the resources a bank like XXXX XXXX do. I contacted XXXX XXXX again today to give them XXXX last chance and I was pretty much told that once the funds has already left the bank it was not their responsibility to contact XXXX or any other bank.
I submitted a complain to the Consumer Financial Protection Bureau on XX/XX/2022. I received an answer from XXXX XXXX acknowledging the complain once again saying they could not do anything and nothing was going to be refunded.
I called Apple Card ( Goldman & Sachs ) and told them about the situation again in XX/XX/2022 regarding the issue. Goldman & Sachs told me they would called me back. I received a call back a few days later and they gave me instructions to find a routing number for the transaction so they could track it. I reached out to XXXX XXXX and they provided me the same document I was provided by the XXXX XXXX banker.
I decided to call XXXX directly and enter the wrong credit card number ( where the money supposedly went ) and it transfer me directly to Goldman & Sachs for Apple Card. When all this time I have been told that the account does not belong to them. I have had multiple phone calls throughout the entire year, followed every direction and nothing has happened and not because I have not tried but doors kept being closed.
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| 10/31/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I was denied a credit increase on XX/XX/2022 by Goldman Sachs Bank ( Apple credit card ).
On XX/XX/2022 I have sent an adverse letter to Goldman Sachs Bank letting them know that adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c, and is pursuant to civil liability under 15 U.S.C 1692k. Goldman Sachs Bank is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Goldman Sachs Bank due to the response I received on XX/XX/2022. This letter was received on XX/XX/2022 and I was not given a response. On my letter I asked to receive a response to my mailing address in 10 days, it is now XX/XX/XXXX.
Certified mail tracking number : XXXX Goldman Sachs Bank is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Goldman Sachs Bank. I also understand that my initial credit application ( a promise to pay in the future ) was the source of funds where the alleged extension of credit derived from. Goldman Sachs Bank acted to induce me into contracting with them on the basis they would profit from my indebtedness. Goldman Sachs Bank knew that its representations of credit creation were false and misleading. This is based on the fact that compensation and or the credit given for my asset should be easily reflected as an accounting entry. Where the funds can be shown as being drawn down from an account, a debit and or a transfer of funds from some sort of source document and then released to me.
This would be in the amount of the alleged credit line that was stated by the defendants. The activity mentioned above would have to be a prior event ; meaning before arriving on the defendants balance sheet as an available credit for extension to me. It would have to be a source that proves its origin and its transfer. This would also include showing satisfaction of the performance of payment in a fair exchange of my asset.
Under the circumstances the only source documents in this transaction is my original credit application. So basically, in good faith I relied on Goldman Sachs Bank 's presumption of indebtedness for transactions I was making on the account. Thinking they were being forthcoming and truthful in the alleged lending process. Upon more research I have also realized Goldman Sachs Bank never disclosed to me that interest coupons available every billing cycle were interest coupons that could be used to set off obligations of the account by an agreement of the parties.
So not only did Goldman Sachs Bank deny me credit, they have participated in Fraudulent Misrepresentation, Deceptive Trading Practices and Truth In Lending Act violations. Goldman Sachs Bank has failed to make reasonable procedures to resolve this matter and compensate me for the use of my credit card, and under law, Goldman Sachs Bank is criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681 and 15 U.S.C 1681o. This has caused me much financial stress, and because of the damages it is my wish that the following terms be provisioned so that my equitable interest can be restored.
I request that all future interest payment coupons by Goldman Sachs Bank shall by this agreement, have the full force and effect of Accord and Satisfaction of obligation, on all statements received upon its receipt. Secondly, that Goldman Sachs Bank accepts my interest coupon for the outstanding balance of {$5000.00} on the account or discharge it in full.
Notice under the conditions aforementioned in this remedy section, any legal remedies by operation of law due to me not expressed herein are hereby not waived. Such remedies shall include but not be limited to legal fees, or monetary damages due under the law.
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| 04/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Between XX/XX/XXXX to XX/XX/XXXX, I contacted Apple Card support and spoke with Goldman Sachs representatives to notify them of 13 transactions that needed to be disputed because I never received the items I paid for and was no longer successful in reaching the sales agent whom handled my purchases. I specifically recall providing detailed information about my disputes such as, items I was expecting to receive and the dates I expected for my items to arrive, to the Goldman Sachs team member who was processing my disputes. It was clear that the nature of my disputes was not fraud, but a dispute of purchases never received or delivered. By the end of day on XX/XX/XXXX I had been notified that my disputes have been processed and credits for my disputes were applied to my account. The transaction amounts were {$520.00}, {$1000.00}, {$1000.00}, {$1000.00}, {$530.00}, {$1500.00}, {$1500.00}, {$450.00}, {$1500.00}, {$960.00}, {$1500.00}, and {$1500.00}.
Beginning on XX/XX/XXXX through XX/XX/XXXX, I received emails from Apple Card support informing me " Your transactions was not resolved in your favor. Goldman Sachs Bank has investigated your transaction dispute and it has been resolved in favor of the merchant because : The merchant provided sufficient evidence that you made the purchase. '' I received this same response for 11 out of the 13 disputes I had filed with Goldman Sachs Bank. It seemed absurd and certainly made no sense to me why my disputes for items not received would be resolved in the merchants favor by simply confirming that I made the purchases. It was already evident at the time I processed the disputes, that I was indeed the one who made the purchase, but the nature of my dispute was not receiving my purchase.
Today on XX/XX/XXXX, I called Goldman Sachs Bank to inquire about their decision and to ask them to revise their decision because it simply did not seem logical or make much sense. The original customer service representative refused to acknowledge that there was some sort of mistake and was adamant that the reason that they could not change the decision is due to the fact that my account is closed and no longer active. She also insisted that we are now outside the timeframe to take further actions with my dispute. Frustrated by her ineptitude, I immediately requested a supervisor, to which a supervisor by the name of XXXX from the fraud department, answered by call. I explained the nature of my disputes to XXXX along with my reasoning for why Goldman Sachs decision to resolve the dispute against was in error that needed to be corrected. I then asked XXXX to confirm the nature of my disputes to ensure that my disputes were indeed processed correctly as items not received rather than as a fraud dispute. XXXX did confirm to me over the phone that my disputes were processed correctly as items not received, however, she also insisted that there was nothing Goldman Sachs could do at this time because we are now outside the timeframe to pursue the dispute further. I was terrified by XXXX response, because she made it clear that there was nothing more she can do for me despite acknowledging the fact that the decision to resolve the dispute against me was questionable. Even after I explained that this mistake is Goldman Sachs fault and that Goldman needs to take responsibility for its negligent actions, because their mistake is causing me significant financial harm. She wished me good luck, and we ended our conversation.
To my understanding, my disputes were valid, and the disputes should have been resolved in my favor unless the merchant provided documentation to support the fact that the items purchased were in fact delivered. This would include tracking numbers from a carrier, or a signature from someone confirming services delivered. The fact that the merchant provided evidence to confirm that I made the purchase should not have been considered the same as providing information to confirm that the items/services purchased was delivered.
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| 11/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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When Apple announced its new XXXX XXXX XXXX XXXX, I, being the huge Apple fan, decided I would order one. I placed an order for a stainless steel XXXX XXXX on the XXXX of XX/XX/2020. So as to not burden my finances with a massive purchase, I opted to use my Goldman Sachs Apple Card, taking advantage of the 0 % interest payment plans available to Apple Card holders on certain Apple products.
Being the impatient one that I am when it comes to getting the newest Apple gadget, I wanted to see if there was a possibility of getting an Apple Watch at the local Apple Store, so I canceled my initial order on the XX/XX/XXXXof XXXX ( order number XXXX ), and placed an order with the hopes I could pick one up in person on the XXXX, when they became available in stores. So the morning of the XXXX, I placed an order ( XXXX ), again using the same method as previously mentioned. I picked up the watch that afternoon/evening, and thought all would be well. Unrelated, the watch from the latter order ended up being defective, forcing me to return it.
When the Apple Card is used for 0 % payments over 12 or 24 months ( depending on the product ), the total amount of the device is removed from your available credit. In this case, {$820.00} ( {$740.00} for the watch, {$79.00} for XXXX ). While I don't necessarily LIKE that, I understand that Apple and Goldman Sachs want to limit their losses, and do things that way- it isn't the basis for this complaint.
My complaint stems from the cancellation/return of the above orders and not getting that available credit to appear back in the Apple Card app. When I first observed that the cancelled/returned watches weren't immediately reflecting in my available credit, I wasn't at all concerned, as sometimes it takes time - I was willing to wait. I was fortunate enough to see the second order I had placed ( order ending in XXXX ) had been refunded to my card, and the installment plan had been removed from my card. However, the first order ( ending in XXXX ) didn't drop off within the expected 5-10 days.
On XX/XX/2020 at XXXX Arizona time, I chatted in using my XXXX, and was advised the installment payment plan was just waiting to be updated, and that I should see it shortly. On XX/XX/2020, at XXXX, I chatted back in ( with someone named XXXX ) to get an update, as the balance still showed as being on my card - she ended up transferring me to an Apple Card rep at Goldman Sachs , who again advised that the transaction would be removed from my card in 8 to 10 days from the return - so I assumed at the end of XXXX.
On XX/XX/2020, at XXXX Arizona time, I chatted back in again ( with XXXX XXXX who is an Apple Card supervisor ), inquiring about the status of this transaction falling off, as it was well beyond the 10 days I was told it would disappear. When I explained to her what was going on, she told me my concern was transferred to their technical support team, and that I needed to allow 1-3 business days from then to be in touch. Well, 1-3 business days passed, I contacted Goldman Sachs/Apple Card at XXXX on XX/XX/2020 at XXXX and after an hour of being on the phone, and was told it could be as long as 30 days after the return before the installment would drop off. On the XXXX of XXXX at XXXX Arizona time, I called again, only to be told that my concern had been elevated to supervisors of a technical team to address. On the XXXX of XXXX, at XXXX Arizona time, I called again, making another inquiry ... only to be told it was technical in nature, and that it was being addressed.
My last communication with Apple and Goldman Sachs occurred on XX/XX/XXXX, at XXXX Arizona time, where I was put on hold, transferred, and after 46 mins, told that AGAIN it was a technical issue, and it was being worked - but there was no date of resolution.
It is extremely frustrating that now, 45 days after the return of the most recent watch purchase, my available credit is still reflecting {$820.00} as being unavailable, when it should be.
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| 09/22/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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Web |
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Purchased an XXXX using an Apple credit card requested and issued at time of purchase ( pre-approval actually on XX/XX/XXXX ), via the Apple Store app on an XXXX on XX/XX/XXXX.
Failures occurred during payment for the pre-approved order ( on the associated card ), but after cancelling out and rebuilding the order, I was able to make the purchase.
The following day, I began to receive notifications that transactions were coming in from The XXXX XXXX in Ohio ( I live in another state ), and the only purchase Ive made on that card since issuance was the single order via the Apple Store app.
I immediately contacted Goldman Sachs the issuer of the card, to report potential fraud.
They stated that all transactions show as Apple Store in their software. Transferred me to talk to Apple rep. Apple rep couldnt seem to determine much either, and sent me back to Goldman Sachs.
During this process the most alarming issue is that they could not see the same financial information that I receive in the Apple Card wallet on my phone. Conversely, I could not see the information that they were referring to in their system, and there were significant differences in the dates between the two sources of data.
They saw transactions that I could not ( although the wallet indicated that the available balance was completely different from what the transactions should indicate- which they could see, but I could not ). For example, the available balance indicated that I had purchased two phones, although there were no transactions for either of these showing up in the wallet. One representative indicated that one of those would get wiped out eventually ( not reassuring or measurable ).
My app showed purchases on XX/XX/XXXX and XX/XX/XXXX ( although the representative told me the car was issued on XX/XX/XXXX ). When I asked how there could be charges on XX/XX/XXXX if the card was not issued until XX/XX/XXXX, she said she wasnt careful reading that info, and that card was actually issued on XX/XX/XXXX.
However, they still showed no transactions for XX/XX/XXXX. My wallet app shows double transactions ( even though only one order was placed ) on XXXX and XXXX. Goldman Sachs says they see transactions on XX/XX/XXXX and XX/XX/XXXX. We ( the Goldman rep and I ) believe that these are items ( 2 ) placed on order along with the phone.
The entire conversation had to depend on purchase amounts ( of which there were two instances of each amount - due to duplication ), since we could not verify against the two data sources.
My assumption is that possibly my wallet shows the transaction dates, and they were seeing post dates, but neither their application nor the phone indicated which type of entry was being shown to us respectively.
I am still being double charged, and we still can not align between the two data sources.
This is absolutely unacceptable for financial information to not be verifiable between the two parties.
Two days after reporting the issue, another person from Goldman Sachs reached out to see whether the situation had improved. In reality, there was now one additional charge from The XXXX XXXX on my account, so it got worse. The representative said that there were others that were also reporting the issue with transactions at The XXXX XXXX.
I am being asked to wait and see, but with identity theft so prevalent that is not a wise method to espouse.
I have added a screenshot from my phone showing transactions that indicated there were significant issues. The screen shot shows 5 transactions, and I am not sure what they are for, but after discussing with Goldman Sachs we believe that 2 charges for {$3.00}, and 2 charges for {$4.00} are for items purchased as part of the phone order ( a single order with 3 items - but it may be duplicated, and although I purchased 3 items in a single order, it may be in their system as two orders of three items each ). The last item of ~ {$99.00} I believe is tax.
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| 02/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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This is a Notice for a Conditional Acceptance and an Addendum/Continuance to any and all previously sent correspondences and recently sent Notice for Conditional Acceptance via Certified Mail # XXXX XXXX XXXX XXXX XXXX, of which the Postal Rule is now applicable upon the receipt of this and the uploaded Conditional Acceptance. The beneficiary of the Social Security Cestui que Trust ALL CAPITAL LETTERS NAME and any derivative thereof of beneficiary classified as " COMPLAINANT '' within this CFPB Trust, which is in fact a Trust business entity ( hereafter Trust or ALL CAPITAL LETTERS name or any derivative thereof ) requires that Respondent who is a flesh and blood man dba a Social Security Cestui que Trust ALL CAPITAL LETTERS NAME, which is also a Trust Business Entity in the name of Respondent, who is also dba the XXXX of MARCUS BY GOLDMAN SACHS ( hereafter GOLDMAN SACHS, also a Trust Business Entity ) hereby answer the following 11 questions. This beneficiary hereby conditionally accepts the response ( s ), claim ( s ) and offer ( s ) made by the Respondent upon the proof of claim that : 1. That this action is not a Social Security Cestui que Trust action? 2. That GOLDMAN SACHS is not a securities intermediary and held to a fiduciary capacity with responsibilities as a Trustee within this Trust action? 3. That GOLDMAN SACHS did not buy, sell, securitize, underwrite, fractionalize or create bonds from any instrument, application, " loan '' agreement signed ( in wet ink or electronically ) by the beneficiary of said Trust? 4. Was the alleged " Loan '' from GOLDMAN SACHS not created from the Trust on behalf of the beneficiary of said Trust? 5. That the previously sent XXXX 1 and other supporting sent correspondences does not give the beneficiary of this action the highest claim to said Trust and of this Trust action? 6. That Respondent is not under fiduciary obligations? 7. Can Respondent show cause that Respondent has not breached nor benefitted from said Trust by completing a full audit and accounting of the created Trust account? 8. Has Respondent completed all of the required tax filings 1099-OID, 1096, W-9, 1040-V and 1099-A and all other required forms with the Internal Revenue Service pertaining to this Trust action ? 9. Who has the highest vested interest and has the highest claim within this Trust action, beneficiary or Trustee? 10. Did Respondent 's account ledgers/books increase in funds after depositing said negotiable instrument called a " LOAN AGREEMENT '' into its account on record? 11. Was deposit increase reported to the Internal Revenue Service as a capital gain ( s ) tax? These are direct questions to Respondent and are hereby required to answer. Any acquiesce or non-response to the above questions is agreement to this contract and that Respondent therefore accepts and agrees to all liabilities including, but not limited to paying the fee of five million ( {>= $1,000,000} ) and an additional ten thousand ( {$10000.00} ) per day in the money of account, in gold and/or silver coin or in USD equivalent for damages incurred by the beneficiary of this Trust account. The above stated and uploaded files were not addressed and respondent has acquiesced to this beneficiary 's claims and counter-claims on numerous occasions and is now in default status as per administrative remedy and has been estopped from any and all negative actions taken against the beneficiary of this Trust. The Respondent 's response is a generic and has no lawful basis or relevancy to continue to disregard the stipulated facts stated within this CFPB case including but not limited to all stated in the CFPB COMPLAINT ID # XXXX ; XXXX and XXXX. Therefore I strongly suggest that this claim remain open and this claim be sent to the proper authorities and/or agency/agencies that can best investigate and remedy beneficiary 's issues, concerns and protected rights within this action and claim upon said Trust account.
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| 06/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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I have two complaints against Marcus by Goldman Sachs, both have to do with their money wire transfers. We kept most of our savings for the escrow and down payment on a house purchase in Marcus, and because of their actions, put the timing and purchase of the house in jeopardy. We had to undertake extra efforts to avoid this.
First, our earnest money down ( EMD ) payment of {$22000.00} was due XX/XX/XXXX. We saw that they advertise on their website when you select " Deposit or transfer '' from the account page, that when you click on " Click here to learn about your options, '' it clearly states, " Request by ( for same Business Day processing ) ... XXXX XXXX ET '' for a wire transfer. The fine print states, " An Online Wire transfer scheduled before XXXX XXXX ET on a business day should be processed within one hour, otherwise it will be processed the next business day. '' ( document attached ). This is similar to the information they publicly display on their public website, which displays the same table stating there are no limits on wire request amounts by phone, and requests made prior to XXXX will be processed the same business day : XXXX XXXX XXXX XXXX XXXX It was very clear that it is advertising if you submit a wire transfer request by XXXX ET, there is same business day processing. This is stated multiple places on their website. We submitted our request on Friday, XXXX around XXXX XXXX -- -three days before the EMD was due. I requested that it could be escalated as urgent for processing, which they agreed. When I realized at XXXX, the money had not been transferred I called Marcus . They informed me that wire transfers can take 1-3 business days and they could not guarantee that it would go out to the title company by the due date of Monday ( next business day ). I learned from a call the next day that when they put me on hold at XXXX yesterday on Friday, only then had they attempted to contact the title company to verify the deposit -- -past the closing time of the title company. Even when I called back on Monday XXXX and had a Marcus representative call the title company with me on the line ( and they confirmed the account ), they would not guarantee the money would be processed on that day. Later in the afternoon luckily it did process. However, their claim of same business day processing is, frankly, fraud.
We then needed to wire transfer the rest of the down payment and closing costs ( approx. {$140000.00} ) to the title company for closing. We initiated this a week early ( Friday, XX/XX/XXXX ) anticipating their delays. However, later that day they informed us that they denied the wire transfer and would not send the money to the title company, despite having previously approved the EMD payment to the same title company, to the same account. They explicitly told us that it was Marcus ' policy NOT to say why they deny transfers. No where on the transfer information pages I have linked to ( XXXX XXXX XXXXXXXX XXXX XXXX ) and attached does it say that they will deny transfers to title companies. Our only option was to transfer the money to an external checking account before using a different bank to wire it to the title company. Since this was after XXXX, any wire transfer would not be processed until at earliest Tuesday XX/XX/XXXX. Not only was this inconvenient, if the transfer took 2 or 3 business days, this would put our closing in jeopardy. I again had to call on Tuesday to ensure that they would process the transfer in time. Perhaps this was a coincidence, but the wire transfer was initiated to my external checking directly after I called to check on the status.
Marcus by Goldman Sachs publicly displays information that states clearly they will process wire transfers in a certain time, but when you initiate this they only then point you to their official policies ( XXXX XXXX XXXXf ) which directly conflict with the information they advertise. This is fraud.
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| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This is a follow up to complaint # XXXX submitted on XX/XX/XXXX and responded to on XX/XX/XXXX. The response to my complaint was the VERY FIRST time ( despite XXXX calls ) that I was able to find out why Goldman Sachs XXXX a balance on my account. I was told twice between XXXX and XX/XX/XXXX that the account had a XXXX balance and was closed. Subsequently their response explained that they took it upon themselves to issue me a credit ( that I did not ask for, they re-opened this dispute on their own ). Due to the fact that I had been given so many different answers, I attempted to speak to a supervisor to get this cleared up and pay the balance if in fact I owed it. Even their response to you was full of inaccurate dates and given the multiple different answers I got from them I was very hesitant to take anything on face value. While attempting to settle this matter, Goldman Sachs hit my credit report for a 30 day late on an account that I closed in XX/XX/XXXX. I finally got to an advocate and he said he would work to remove it from my credit report. I did not create the balance and no explanation for it was given to me until after they reported it late. I called to follow up multiple times between XXXX and now and I was told they would not do anything on the account until the credit process was complete. I called again today and apparently someone called me on XX/XX/XXXX and I did not answer. That was the last attempt they made to contact me aside from debt collection and they knew nothing. I was told this morning that they will not change the reporting and now it is showing 60 days late. My credit report has dropped XXXX points due to their error on my account and lack of communication ( until I filed with you ) as to why there was a balance after being told it was a XXXX balance. I would like Goldman Sachs to actually pull the recorded calls. I have contacted an attorney but would prefer to resolve this matter with XXXX if possible. Whenever I call, no one has any idea as to what is going on and my advocate ( XXXX ) who promised he would stick with me until resolution has disappeared.
Original complaint filed XX/XX/XXXX, their response to this is how I found out why there was a balance on my account. No one at XXXX could tell me prior to this : In XX/XX/XXXX I had disputed a charge for a rental house on my XXXX XXXX XXXX XXXX I had spoke to multiple reps while the situation was happening and followed their guidance. The rental agency was threatening to call the police so I had to release the dispute then refile after we had checked out per the advice of XXXX. The dispute was ultimately ruled in favor of the XXXX house ( property management ) even though I sent photos of someone else 's dirty clothes, rats, broken A/C and broken elevator etc. At that time, I made the decision that I no longer wanted to do business with XXXX and paid the account balance IN FULL and closed the account. This past XXXX XX/XX/XXXX, I got a letter in the mail from XXXX stating that they decided on multiple disputes incorrectly and would be re-opening them to adjust the rulings. I DID NOT initiate this contact, they did. I called into XXXX and the rep I talked to had no idea about the letter or knowledge of the fact that they as a company were reevaluating closed disputes. My account remains closed. Fast forward a few months and I get a letter that states they did not rule in my favor ( again ). I do not care, I didn't ask for any action to be taken. They initiated. Now, I am getting bills every month ( even though my account shows as closed on my credit and when I try to contact them ( see screen shot ). I have spent hours on the phone with them and no one seems to be able to assist. I get a different answer from everyone I speak with. Bottom line is, I closed this account and it has had ZERO authorized activity since XX/XX/XXXX. This account was PAID in XXXX. Can you please help?
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| 11/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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After receiving continued charges from subscriptions that were already terminated, I first fully paid my Apple Card payment of $ XXXX on XX/XX/22 and locked my card.
Then in the following weeks, I noticed extra charges again in addition to Apple Card interest so out of frustration and my last resort, I called customer service, paid the additional balance of $ XXXX in full and closed my account. I explicitly asked the representative that whether this includes all the charges on my account and that I will no longer receive anymore fees and the representative confirmed.
I have many other credit cards that I have properly managed in the past 9 years without a single missed payment, but the Apple Card 's horrible customer service and lack of transparency on details of charges and their inability to discontinue or dispute charges led me to closing the account.
However, on XX/XX/22, I noticed my credit score was dropped and the close-up details showed a missed payment from Apple Card. To my surprise, I checked the details and despite showing that my account is closed, it entailed an unexplained $ XXXX interest.
With raging frustration, I called the customer service the same day, inquired about this interest charge that made no sense after closing an account and since the representative had no idea and didn't know why I was charged, told me that I will receive a call back from her supervisor.
On XX/XX/22, I received a missed call from them, with a voicemail to call back again. So I called the next morning ( on XX/XX/22 ), expecting to be talking to actual specialists.
I presented my case clearly at the beginning of the call and asked to be routed to the final escalation as I need 1 ) explanation of this interest that makes no sense when an account is closed and one expects to have nothing to do with that card/deal anymore 2 ) answer as to why my account and data was still recorded after account deletion - this to me is a data privacy leakage and even if it's not considered to be legally, I wanted an explicit way to remove all my data as I wish to longer run into unexpected issues with this irresponsible creditor. 3 ) A remediation on my credit score and whether this late payment can be un-done as it has caused damage to my credit card.
Despite my explicit query up-front, I was held on call for 50 minutes, just to be told that the person was a new hire, and didn't know what could be done. ( and unclear answer as to maybe this could be a trailing interest ) I asked why I can't be transferred to the supervisor, and the representative said that she can't transfer me. I was suggested that I needed to call back and ask to talk to the supervisor but somehow she did not suggest me that in the beginning and wasted my time. But I suspect dishonesty from the representative or the supervisor in the background who refused to connect. ( because she at some point mentioned that the supervisor asked whether she can waive the interest and she was not about to do that on her system ) In my 9 years of being a credit user, this has been the worst experience I've had in all aspects of their card from transparency at data level, to customer service.
Every time I've called, the representatives has no idea and bounced me back and forth without any explicit solution.
The card has no email or official means for communication besides their useless phone number and no dedicated department for complaints, disputes or cases such as this.
Hence, my complaint is not about the small $ XXXX charge. It's not about the money, it's about the many standards that have been broken and the damage caused to my credit score. I have no idea if this can be undone and remediated from the card 's side but I was in a critical period of needing my score to be stable and good and Apple card has caused me damage twice : first by me having to close my card and second due to this charge post closing my account.
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| 11/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX I made a purchase from the merchant XXXX. When the items arrived they were heavily damaged. Literally broken into pieces. I immediately reached out to the merchant through the contact form on their site and received an automated email from them stating they'll get back to me. They never did. As a result I filed a damaged item dispute with the credit card company Goldman Sachs Apple card. I supplied photo evidence of the damaged items and my reach out attempt to the merchant. They gave me a temporary refund while they looked into it.
XX/XX/XXXX Goldman Sachs rejected it the first time saying they have proof I made the purchase. I called to inform them I was not disputing I ordered it. I once again informed them my dispute was based off the condition of items received and the fact the merchant refused to get back to me. They reopened the case XX/XX/XXXX.
XX/XX/XXXX Goldman Sachs rejected my claim again stating I did not provide evidence. I had already sent them messages and emails of the photos of the damaged products as well as screenshots proving I reached out to the seller. I called them again to explain all this. XX/XX/XXXX Goldman Sachs reopened the case and I resent all the photo evidence. This time I confirmed on the line with the employee they received all the files.
XX/XX/XXXX Goldman Sachs again denied the claim saying I should have reached out to the merchant first. I again provided evidence I had reached out to the merchant and the merchant refused to get back to me. Cause thats how fraud works. XX/XX/XXXX Goldman Sachs once again reopened the case. XX/XX/XXXX they rejected the dispute saying the items were not proven to arrive damaged. I called them back amd demanded they explain how photos depicting damaged merchandise does not illustrate damage merchandise. The apologized and reopened the case. Promising someone in fraud will contact me directly about the case if there's any further issues. XX/XX/XXXX Goldman Sachs once again reopened the dispute.
XX/XX/XXXX they rejected it claiming no evidence was supplied. Despite the fact I had already on previous occasions confirmed evidence was received on their end Illustrating the damaged items as received and the proof I contacted the merchant to resolve it already. At this time, over the past year I've called them XXXX times and spoken to multiple representatives and levels of management and they're all entirely incapable of providing reason for the fraud teams incompetence. And since the fraud team is refusing to contact me despite multiple promises they will by Goldman Sachs management / representatives I filed a complaint with CFPB XX/XX/XXXX XX/XX/XXXX Goldman Sachs called me to say they're reopening the case. The person speaking with me claimed they were a manager and stated someone from fraud will specifically call me once they review the case. No one from Goldman Sachs called me or reached out to me after that.
XX/XX/XXXX Goldman Sachs responded to my CFPB saying they've closed the case stating I do not have proof I returned the items. As I've already mentioned to them both verbally with a manager ( on the phone ), through text as part of my fraud claim with them, as well as in my CFPB complaint, I reached out to the merchant to make them aware I received damaged items. Per XXXX ( the merchants ) website they must be contacted through a submission form on their website to initiate a return. I supplied evidence that I've submitted this form/ reached out to the seller to Goldman Sachs XXXX XXXX did not respond back to my contact to initiate a return or address the issue whatsoever. Hence the whole reason I filed the claim through Goldman Sachs in the first place. Going by Goldman Sachs response to the first CFPB complaint they're clearly not reading any of the provided files, evidence, documentation nor the complaint itself as they are not addressing the issue whatsoever.
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| 03/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I opened an Apple Credit card on my XXXX. The phone was stollen. I called my Apple Card customer service number at XXXX and explained what happened. I asked for the card to be closed to avoid any charges from being made on my card. I asked for the balance on the card to be transferred over to a new account under my name so I can pay off the balance. I was informed that the only way I can process payments is by 1 ) giving the customer service representative my card information over the phone so they can process the payments 2 ) sending payment to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ). I did not think that was safe and the exchange seemed fraudulent. 3 ) Login to the account and pay through there. I was at the time unable to login to the account because OTP code was being sent to the stollen phone. I called Apple and resolved the matter and was eventually able to regain access to my account. Once I had access, I logged in and paid off the balance. There was a pending payment, I tried o log in after a period of time to confirm the payment processed through and instead found I could not log in and was asked to call the number above. I called the number. The customer service person I spoke to said they could not see anything on my account regarding the lock and transferred me over to Apple services. Apple noted they could not see the lock on my account and that it has to be an issue on Goldman Sachs end and transferred me back. After 4 hours on the phone, I was informed that the reason I could not log into my account is because I had paid off the balance and therefor the account is unavailable for me to login to. I was informed that there is an installment on my account and asked to payoff the installment amount. I issued verbal consent for the card on record to be used to payoff the installment balance on request. After I was informed that my account has been paid off ( the balance on the card is XXXX ) and closed. I was sent an email stating as much. A week later, I tried to log into the account on a whim and was able to successfully log into the account - which I was previously informed was unavailable for me to log into because the account is closed and the balance paid off in full. When I logged in, I discovered a new balance, even though the card had been paid off and the account closed months prior. I paid off the amount, called the customer service number above to try and get an explanation about what was going on. Since I've been paying off the card for months only to have " new '' charges appear even though the card has been closed and I had informed customer service that the phone linked to the card had been stollen. The agent I spoke to informed me that the balance showing up on their end was significantly less than the balance that I was shown- and paid again. I asked how that was possible and she noted she did not know and would look into it. I asked to speak to a manager. I was transferred to a manager who asked for my first name, last name, birth date, and phone number linked to the card ( prior agents asked for the last 4 digits of my social as well ). After some time on the phone, the manager informed me that they would open an internal investigation into the matter since I had been informed that the card was paid off the installment linked on the card had been paid off and my bank account statements show the transactions withdrawn from my card for the referenced charges but the charges somehow remained on my account in their systems. I asked the manager to explain why is it that I was charged - can verify the withdrawals occurred in my bank account - and yet somehow the payments were not applied to my credit card balance/installments? I asked where were the payments I was charged for processed? She did not provide an answer and instead told me an internal investigation will be opened on the matter.
|
| 02/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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I opened a Credit Card account with Apple that is serviced by Goldman-Sachs on XX/XX/XXXX. The reason for opening this account was because they offered " no interest '' and to give you money back if you purchase Apple products with that card, which was my intention, due to my previous XXXX being destroyed at work. On XX/XX/XXXX I closed the account to consolidate my debt and keep me from using that card. When talking to the representative, he set the expectation that I am expected to pay the remaining balance on the card, which I knew and agreed with. In XXXX, XXXX, I paid {$400.00}, XX/XX/XXXX, I paid {$900.00}, and then XX/XX/XXXX I paid the remaining balance of {$1200.00} to XXXX out the account. At this point, I was under the assumption with the account being closed, paid in full on or before the end of the month, I would no longer have any obligation to that account and could move on to paying off my other debt. Goldman-Sachs then charged me interest in the amount of {$23.00}, and claim they notified me of a late payment. On XX/XX/XXXX I happened to open my digital wallet app where you manage the Apple Credit Card, and see that I have a late balance of {$24.00}. I immediately contacted a Goldman-Sachs representative. That representative then told me they would forgive the interest, and I paid XXXX cents to officially XXXX the account for a second time. At this point in time, I assumed since they waived the interest, the late payment would be removed. Moving into XX/XX/XXXX, I had my mortgage lender pull my credit to get approved for a loan to buy a new home. I then found out from my lender that I had a 30 day late mark on my credit report from Goldman-Sachs. I then contacted Goldman-Sachs to try and solve this issue. Goldman-Sachs then told me they would file a dispute within the company. I also filed a dispute through all the credit reporting bureaus. That wasn't getting me anywhere, so I then called Goldman-Sachs to try and get as high in the management chain as possible to plead my case, and settle this as a misunderstanding that way I could have my credit fixed, so I could qualify for a conventional loan. I made it through to the third in management of the customer service department, who told me that they can not transfer farther, but can submit a request to have upper management call me. Goldman-Sachs never returned my call, to which I responded with contacting the XXXX XXXX XXXX. After submitting the complaint to the XXXX, I called Goldman-Sachs and found out from a representative that they would not be removing the mark. I asked to speak with that higher level of management, which they replied with, they will be calling you to explain why. Again, I never received a phone call. As of today, I received the response from the XXXX where Goldman-Sachs again denies my request to remove the late mark on my credit. I disagreed with their request to close the complaint, and am continuing with my complaint through the XXXX.
I have come to CFPB in hopes to find a resolution. This mark on my credit report has dropped me 70 points, which can last up to 7 years, all because of Goldman-Sachs not properly outlining their terms and conditions, and in my personal opinion portraying information falsely. In their advertisements, they boast " no interest '', " No interest if paid in full on or before the end of the month. '' I paid within the month, never had a late payment, and even with the account closed and paid in full by the end of the month, they charged me interest, and caused me to have a past due payment, in turn causing me to loose 70 points on my otherwise " perfect '' credit. I have never had a late payment, even when I lost my job. I feel that Goldman-Sachs advertises information improperly, and I do not want something like this to happen to someone else, who is trying to better their credit and get out of " bad '' debt.
|
| 05/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Dear CFPB, This message is in regards to complaints CFPB XXXX and CFPB XXXX XXXX, which were closed without the opportunity for me to respond. Unfortunately, the CFPB has once again allowed Goldman Sachs to make false statements to the CFPB in responding to this matter.
Firstly, there is disagreement regarding the account balance and Goldman 's false reporting of my account being in debt. In Goldman 's response to XXXX, they say that " The Bank confirmed the credit reporting was correct and accurate, the Bank is obligated to report accurately to credit reporting agencies '' and yet Goldman chose to, after now five public complaints, on " XX/XX/2022, the Bank placed a stop payment on the outstanding credit balance refund check. '' Note that Goldman has done this several months after I had contacted them -- as explicitly documented in CFPB XXXX -- informing Goldman of the non-receipt of the check, and I had indicated the non-receipt prior to their false claim of debt. Goldman therefore stopped payment with full knowledge that their prior debt reporting was not only inaccurate but wrongful and contested in public.
CFPB, Goldman 's statement that " The Bank confirmed the credit reporting was correct and accurate '' is demonstrably false, as provided by their own admission -- indeed, Goldman knowingly. I request the CFPB hold Goldman liable for wire fraud and XXXX XXXX ; if CFPB does not do so I reserve the right to pursue Goldman for these liabilities. In particular, I request that all those at Goldman who were involved in phone calls and drafting the written response to the CFPB to be personally investigated for possible wire fraud.
Secondly, there is still disagreement regarding the disputed charge in the amount of {$250.00} as referenced in CFPB XXXX and CFPB XXXX XXXX, and XXXX claims XXXX, XXXX, and XXXX. The FCBA requires that Goldman remedy the disputed charge in 90 days, and to include a reason for their decision. In Goldman 's response in CFPB XXXX, they claim they provided this response on XX/XX/2022 -- nearly 8 months after the charge and over 6 months after the charge was first disputed.
Please see attached the emails Goldman claims to have sent on XX/XX/2022. These emails show that Goldman 's claim of providing the FCBA-required response was : * NOT within 90 day required period, as dictated by FCBA law XXXX * NOT truthful -- in these emails, Goldman asks for more evidence, contradicting their assertion that they closed the case using adequate evidence. * NOT substantive -- Goldman claims they confirmed a charge was made ( i.e. I entered my credit card into a point-of-sale, which I did ), but they do not indicate having evidence to dispute my claim that the merchant rendered unrequested services ( i.e. interior smell modification, which was not requested and damaged my vehicle ).
Since Goldman has, through their own admission, clearly defied both the timeliness and substantiveness requirements of the FCBA dispute process, I hereby request an immediate and total refund of the {$250.00} disputed amount.
Additionally, the mountain of evidence through now 1 year of exchanges with Goldman have cost me much lost time and shown a substantive pattern of Goldman failing to comply with the XXXX as well as knowingly making false statements to the credit bureaus, the CFPB, and the XXXX. I request the CFPB investigate Goldman for XXXX XXXX regarding this matter. Goldman has already been investigated for gender discrimination with regards to handling Apple Card applications and the evidence seen in this case provides that Goldman is once again wronging consumers.
Goldman Apple Card is not safe for consumers. I have worked with several other card companies with chargebacks and I have never faced such lies and stonewalling. Goldman 's behavior is unabashedly in favor of their own profits and against the common good.
|
| 12/20/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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|
Web |
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On XX/XX/2018 I was opening a new CD online at Marcus Bank. I was transferring {$4400.00} from my Marcus Bank High Yield Savings into a new Marcus 3 Year CD. The {$4400.00} showed deducted from my savings but did not go into the new CD. The new CD showed not funded. I immediately called in and they completed a tech ticket. It took 2 days for them to recover the {$4400.00} back into my new CD. It showed not funded until XX/XX/XXXX. They told me they would correct the transfer date to the original so that I would not lose interest. Online it only reflects the deposit date of 2 days later XX/XX/XXXX. When the money disappeared out of High Yield Savings and after I reported the problem on XX/XX/XXXX, I went back in to view my High Yield Savings transactions and I could not access any transactions, just monthly PDF 's showing where the normal full detailed complete transactions used to be. I reported this to the tech that I spoke with when they called to tell me the transfer had been fixed. The tech said my account should be back to normal to see transactions as I assumed I was only " locked out '' of these while they were working on it. That was not the case. 8 days later and I still can not have access to any of my High Yield Savings account transactions. I called back and reported the problem twice on XX/XX/XXXX. The first customer service rep did not help. She told me to look at dropdowns that showed last 60 Days, 30 Days and XX/XX/XXXX and that it should fix it. I told her I had already done that and I needed her to put in a tech ticket to have it fixed. After had a legitimate problem with their banking software I expected her to take me seriously but she blew me off telling me that if that didn't work to try the Credits/Debits/All dropdown. This did not work either. I called back the second time on Saturday and they supposedly put in a tech ticket to have it worked on. I called back on Monday XX/XX/XXXX and asked for a supervisor. He seemed genuinely interested and said he would call me back the next day. I had given him my cell number as a contact number to reach me. After we hung up I got an email from Marcus saying my phone number had been changed on my account. I called back in and told the rep that my cell number is OK to call me back on but not put it in the database as my prime or alternate phone number and to only include it in the notes and that while on the recorded line I gave them permission to use my cell number for contact. Anyway, I received a confirmation email from Marcus that my phone number had been updated. I NEVER HEARD BACK FROM THE SUPERVISOR. He was a total liar. I had told him that I would be contacting regulatory agencies if they didn't fix the problem and the problem still exists 8 days later here on XX/XX/18. I need access to all of my transactions, especially when I can't trust where funds go out my account and I can't see them. I am wondering if they are trying to hide what the transactions show about the missing {$4400.00} or if they are just completely incompetent in their software and tech support. Both scenarios scare me as a deposit customer. Don't banks have responsibility to make sure customers have full access to their accounts online, especially ONLINE ONLY banks like Marcus? I need Marcus to fix my account. I think the fix is simple and that someone simply needs to reset the account access. If not, Marcus needs to be reviewed by the proper regulatory agency to make sure they have the correct standards and practices to make sure money doesn't go missing and customers have full disclosure of every transaction on their account. I have posted this same complaint on Deposit Accounts and will be sharing this experience on similar sites so that consumers know how bad Marcus Bank is with losing customer 's money and then not returning full access to their accounts in a timely manner.
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| 05/28/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I made a transfer from my Marcus Online Savings account in the amount of {$1000.00} on XX/XX/2020. I was buying a car and this was the amount required for a down payment. I received confirmation on Marcus that the transfer was approved. Generally the funds arrive the following business day at XXXX. I went on with my purchase and wrote a check for my new car and let them know I was transferring money and it may take a day for the transfer to complete. The dealership was fine with that. Today, XX/XX/XXXX at XXXX, I noticed that the funds were still not transferred from my Marcus Online Savings account to my XXXX XXXX Account ( checking ) ending in XXXX. I thought it was odd, as usually the funds would have been posted by XXXX on the XXXX or XXXX on the XXXX. I decided to log in to my Marcus Online Savings account on XX/XX/XXXX at XXXX. When I attempted to log in, I was met with a greeting that said my accounts at Marcus had been locked. I have ( had ) 9 savings accounts with them. The greeting provided a phone number to call. I called the number. While on hold, I checked my email and phone records. I had no notifications or calls from Marcus indicating my accounts had been frozen or why. I found that odd. Most banks Ive been with will notify you if they see suspicious activity on your account.
The first representative verified my identity but said he wasnt sure he could unlock my account, but would try. I told him that the transfers were initiated by me for the purchase of the new vehicle. I told him I had a lot riding on this, as these funds have been used to purchase a new car and the check will bounce if the transfer doesnt go through. This could result in fees or even criminal charges for me. The agent repeated he will try. I advised this issue needs to be corrected and asked to speak with a supervisor. He argued with me that I should allow him to try to fix the issue. I told him given how important the situation is, I would feel more comfortable with a supervisor handling the transaction. He told me to stop repeating myself. I told him I wanted a supervisor. He put me on hold without another word and never came back on the line. I had to hang up and call again.
When I called the second time, I spoke with a representative named XXXX. He got a supervisor on the line for me. The supervisor was very blas and clearly did not care to help me with my issue. He said he understood my frustration but it was a different department that handled account locks and he had to wait to get in touch with them. He said the transfer for {$1000.00} had been denied and the accounts locked as a security measure. I asked him why I was not advised that the transfer had been denied. He said sometimes they do not notify their customer. I asked him why I did not get advised that my accounts had been frozen. He said he sometimes they do not notify their customers. I asked why my accounts were frozen and he said it was due to suspected fraud. I asked him, if they suspected fraud on my account that was enough for them to deny my transfer and freeze my accounts, why did I receive no phone calls or emails regarding this issue. He said sometimes they do not notify their customers of these issues.
I asked him to close my accounts and wire transfer my funds to my central bank account ending XXXX. As a result of them holding my funds and not notifying me, I may bounce the check for my new car. They did nothing to resolve the issue and I had to reinitiate the transfer. A notification ( phone call, text or email ) should have been sent to me for 1 ) the transfer denial 2 ) the accounts freezing 3 ) suspected fraud. Had I not attempted to log into my accounts, I would not have known. My car dealership is aware that the check may bounce. I am hoping the funds arrive on time now and that Marcus is doing what they promised and initiating the transfer.
|
| 08/08/2015 |
No |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
Older American |
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I opened XXXX ( XXXX ) separate XXXX year online CD 's with GE Capital Bank XX/XX/XXXX. XXXX with a mature date of XX/XX/XXXX and the other with XXXX/XXXX/2015. I opened both of the XXXX 's as a joint account between my mother and I. Each CD was in excess of XXXX XX/XX/XXXX my mother passed away but I elected to leave the CD 's alone and let them mature. On or about XX/XX/XXXX I closed the XXXX CD without any problem and had the funds transfered to a XXXX account. On or about XX/XX/XXXX I attempted to close the XXXX CD and was first told that that account was only in my mother 's name and was not a joint account. I protested and told the to go back and review the original online applications as well as the cancelled checks that I used to fund the XXXX CD 's. I provided all of my passwords and account numbers and told them that there must be a mistake with their computer system because I opened up XXXX the CD as joint accounts. GE Capital Bank then told me that they now see that the XXXX CD is a joint account between my mother and I and that they would transfer the money in around XXXX days. After a couple of days I called GE Capital Bank and confirmed their XXXX micro deposits to my bank as instructed. GE Capital Bank informed me that the funds from the CD would now be transfered. After a couple of more days I called GE Capital Bank back and asked them why the funds had not been transfered. GE Capital Bank then started again saying that the XXXX CD was not a joint account. I again protested and asked to speak to a supervisor. GE Capital Bank then will refuse to let you speak to a supervisor. I have never in XXXX years of doing business with a bank been told that you could n't talk to a supervisor. The customer service operators just keep passing you around and you have to keep retelling your story. I screamed and yelled and told them that their computer records were wrong and that my records reflect that the CD is a joint account. I kept repeating to them that the bank has taken my money and now refuses to return my property. GE Capital Bank just keeps saying that they have a right to investigate the matter. I feel that GE Capital Bank is just taking advantage of me because they can because they think that just an individual consumer ca n't do anything about. I agreed to send a certified death certificate and affidavit of heirship. They signed for this information on XX/XX/XXXX, I asked in the correspondence for GE Capital Bank to please acknowledge that they received the documents. GE Capital Bank did not acknowledge that they received the documents. I waited until XX/XX/XXXX and when I still had n't heard from GE Capital Bank I called. GE Capital Bank then began the same song and dance by just passing you around to different operators and saying for you to call back every couple of days. I finally got to talk to someone that said that they were a supervisor and they confirmed that the documents were being reviewed in " legal. '' I asked to speak to their legal department and was told that no one in legal will talk to a customer only customer service can speak to a customer. I protested that GE Capital Bank has now kept my property for over thirty days and are still refusing to give me my property. GE Capital Bank just keep saying give 5-7 days which is just a stalling tactic. My position is that the CD is a joint account and my records confirm this fact. GE Capital Bank just refuses to discuss this issue. I sent a letter to GE Capital Bank 's CEO but as expected have not received any acknowledgment. GE Capital Bank is taking advantage of me. I would recommend that the average consumer stay away from this internet bank. They are by far the worst banking institution that I have had experience with in over XXXX years. Terrible customer service. No wonder GE is trying to divest themselves of their financial branches.
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| 11/08/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened an online marcus with goldmans Sachs high yield savings account three weeks prior I had opened a XXXX XXXX account because I was looking for a hight return rate and I found XXXX before I came across marcus. Once my account was opened with marcus and my bank links were set up I made a XXXXXXXX XXXX transfer from my XXXX on XX/XX/XXXX and then a few days later on XXXX XXXX XXXX XXXX wire transfer from my long term savings account at XXXX Immediately after making the large wire transfer ( my entire life savings ) my account at marcus was locked and I no longer had access to it which meant I was unable to see whether my XXXX even made it into account. I called bank and spoke to rep that said I needed to do a XXXX party verification of my XXXX XXXX account with them. So after over an hour on the phone we did just that, I was authenticated, and my account was unlocked with the entirety of my funds showing in my marcus account that night on XXXX XXXX XXXX XXXX XXXX evening I tried to log into my marcus account again to check my funds and I was again locked out of account. I spent over another hour on the phone with them where I was told at 1st my account was sent to fraud and I was under investigation where my account may or may not be closed entirely but they would give no reason for why this occurred then a few minutes later lady said she had " misread '' everything and that the hold was from the day prior when I did my 3rd party authentication and it was still being " processed '' so it would take a little time but that she would unlock my account and to check online again in 5-10 minutes. I waited an hour and the account was once again still locked so I called again spent over 2 hours this time on the phone with yet another rep. This time I was told that my account was officially closed due to a " business decision '' and there was no other explanation other than that. My wire transfer would be returned to original savings account by XXXX XXXX XXXX XXXX and if I wanted more information of why my account was closed I would have to wait until XXXX XXXX XXXX to call a supervisor at XXXX XXXX because they had all left for the night now and there was nobody who could tell me any other information. So I called XXXX XXXX XXXX XXXX XXXX and waited hours to talk to a supervisor. They explained to me that they have high security and sometimes it triggers and then they have to investigate to make sure there is no illegal activity ( there is not ) but that if there wasn't my account should be fine my account would stay open and the funds in the meantime would not be transferred back to midflorida until the process was over in 1-3 business days. So I was told that I would be informed no later than today XX/XX/ whether my account was closed or not. I have not heard from them yet, now my entire life savings is somewhere I have no access to and can't even see if it's where they say it is I'm just left to trust a stranger on the phone that it's there and safe. It's been accruing no interest in any account now for over a week and I am unable to access it. If they want to close my account I am fine with that even though XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm savings and have done absolutely nothing wrong or illegal. I was just searching for a better place to put my life savings and came across 1 account before the other. My problem now is I need and want to either be cleared or have my life savings returned to my original account. This holding my money and me hostage for weeks on end so they can accrue interest while in the end probably shutting my account down is outrageous. Shut it down and give me my money or clear the investigation and let me see that my money is safe in your account. There's been plenty of time for all of this to happen and the lack of information or urgency is infuriating and unfair.
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| 07/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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This complaint is for Goldman Sachs to respond too only! On XX/XX/XXXX, Goldman Sachs responded to our previous CFPB complaint, XXXX which raised additional questions. Per the CFPB directors office, we are entitled to file an additional complaint, if additional questions are raised and if our questions were not answered! We request that Goldman Sachs answers all of our questions below honestly and provide documentation as requested. Goldman Sachs stated ; Goldman Sachs purchased the loan from XXXX XXXX onXX/XX/XXXX pursuant to a flow mortgage loan purchase and warranties agreement. Goldman Sachs further stated ; the loan was then transferred to XXXX XXXX as trustee for the benefit of the certificate holders in XXXX XXXX XXXX XXXX XXXX. Goldman did not and does not have any involvement in or control over the operations of XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX. Rebuttal ; when an asset is transferred from the investor to the trust for securitization, it does not mean that the trustee ( XXXX XXXX ) is the new investor! Isnt it true that when an investor places an asset into a pool of trust ( securitization ), the trustee issues a certificate to the investor so the trustee will know who to send funds to and for which asset? Now, per the S.E.C archives ( form XXXX ) clearly reflect that Goldman Sachs Mortgage Company is the sponsor and XXXX XXXX XXXX XXXX as the depositor of XXXX XXXX XXXX XXXX XXXX. Now ; after presenting Goldman Sachs with this information, does Goldman Sachs still maintain innocence that Goldman Sachs does not have any involvement with this trust? The S.E.C also reflects that the master servicer is XXXX XXXX XXXX XXXX and the trustee is XXXX XXXX XXXX! The S.E.C clearly reflects that the mailing address and business address on file for Goldman Sachs is ; XXXX XXXX XXXX XXXX XXXX NY XXXX. Now ; when any information has changed regarding securities, isnt Goldman Sachs required to notify the S.E.C? It appears that Goldman Sachs current address is XXXX XXXX XXXX XXXX XXXX NY XXXX. It is my understanding that the depositor or creator of the trust is fully aware of what is occurring with their own trust that they created, isnt this true? Goldman Sachs further stated ; to the extent XXXX XXXX has questions regarding the servicing of his loan or the ownership of his loan, XXXX XXXX should contact his current servicer. Rebuttal ; we will not be able to retrieve the information that we are seeking from our servicer. The reasons are ; the servicer has stated in the past that the information you seek is proprietary and confidential. Also, none of the information you requested is relevant to the servicing of your loan! Now, the servicer will not have the information that we are seeking because Goldman Sachs is or was the investor. Goldman Sachs had their affiliate company, XXXX XXXX XXXX handle all of their servicing prior to selling XXXX to XXXX XXXX XXXX. Furthermore ; Goldman Sachs or the trustee, XXXX XXXX XXXX will have the information that we are seeking. Since XXXX XXXX XXXX will not provide us the information that we are seeking, we request that Goldman Sachs requests XXXX XXXX XXXX to provide the information below to Goldman Sachs and Goldman Sachs can forward the information/answers to the CFPB regarding our questions along with documentation as requested. NOTE : failure to provide the information that we seek will continue to have complaints filed against Goldman Sachs along with media attention! Would Goldman Sachs investor want media coverage due to the fraud that had occurred? Did Goldman Sachs ever sell ; transfer or reconveyance our loan to another investor after XXXX XXXX XXXX? NOTE : per XXXX XXXX XXXX, XXXX XXXX stated in XXXX, in writing that they were not the investor! If so, please provide documentation of dates, to whom Goldman Sachs sold, transferred or reconveyance our loan too?
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| 02/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I opened my Apple Card credit card with Goldman Sachs Bank USA on or around XX/XX/2021, when my XXXX XXXX and credit history were poorer than they are today. Since opening the credit card, I have requested numerous credit limit increases and I have been denied for each and every single one. The Apple Card only allows you to request credit limit increases through their secured messaging feature, at which point the credit limit request goes through a quick, less-than-five-minute, automated review, in which no human ever looks at the credit limit request ; each denial is system-generated and automated in nature. I was able to speak to an Apple Card / Goldman Sachs Bank underwriter about this concern in 2021, and I was told by her that there is no such thing as a manual review process for credit limit increases with this card -- all reviews are system-generated and there is absolutely no way for a human to intervene. The underwriter advised me to continue using the card for purchases -- thus incurring fees and interest that would be paid to Goldman Sachs -- and making on-time payments. In the nearly one year since I've had the credit card, I have never been late ; I have made well above the minimum payments required ; I use the card almost daily ; I sometimes pay off the balance in full within a day or two of using the card ; and I have met every single condition that the underwriter and their text messaging customer support associates have given me. On top of this, my credit score and credit history have improved drastically since I was initially approved for the credit card in or around XX/XX/2021. Despite all of my excellent payment history with this card, excellent card usage, meeting all the so-called requirements that Goldman Sachs own representatives advised me to meet, and now having even better creditworthiness than when I was approved for the card nearly one year ago, I am continually denied a credit limit increase for various reasons that change each time I request a credit limit increase. Some of the reasons are vague and non-descript at best : " length of time accounts have been established '' or " too many accounts with balances. '' My credit reports and credit history have only improved since the opening of this account, so the " length of time accounts have been established '' has actually increased, and I believe that this particular reason for denial is knowingly vague and false. To say " too many accounts with balances '' makes no sense : I am using all of my credit, in and outside this Apple Card, responsibly ; it stands to reason that in order to have good credit, you must use it, so it's unfair and deceptive of Goldman Sachs to decline my credit limit increase requests because I am satisfactorily using credit with other banks and lending institutions. Furthermore, Goldman Sachs only reviews credit reports and credit scores once monthly from soft pulls they do. That said, my credit report changes more than once monthly, so here again, when no human is involved and Goldman Sachs 's own underwriter says that no human can intervene to review credit limit increase requests, this is unfair and deceptive to me as a consumer who is using their credit card -- - and other credit -- responsibly and with excellent payment history. In summary, I believe Goldman Sachs is knowingly using unfair and deceptive credit and lending practices to routinely deny my credit limit increase requests, despite my outstanding payment history with them and other creditors. Goldman Sachs can not reasonably expect me to use ONLY their credit card, to never incur balances on my other credit cards, and to never seek credit elsewhere ; such requirements are unfair and abusive. I have attached copies of the various decline letters I have received over the past year.
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| 07/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Please see the attached for picture evidence _______________________ CFPB Complaint Overview I booked a flight through a third party XXXX on XX/XX/XXXX for USD {$1600.00}.
The flight to XXXX from XXXX was booked through a third party XXXX and canceled the day of on XX/XX/XXXX just minutes before I was supposed to board. XXXX could not offer me a refund for the canceled flight since I booked through a third party and therefore it was the merchants ( third partys ) responsibility to provide said refund. The merchant refused to provide a refund and threatened legal action if a chargeback was performed. Despite the threat, I disputed the transaction as goods and services not received.
Yet, Apple Card and Goldman Sachs have repeatedly denied my dispute and reapplied the charges to the account. Under United States law and as specified by the Department of Transportation, I am entitled to a refund if a flight is canceled.
I am asking for assistance from the CFPB to help me win this ongoing dispute.
The evidence I have - Evidence that I booked the XXXX tickets through XXXX An email that my flight out of XXXX was canceled.
Evidence that my itinerary was canceled Timeline - Apple Card has done multiple " internal reviews '' and the case has been ruled against my favor each time. When calling and or chatting with Apple Card Specialist at Goldman Sachs, they are unable to provide any reason as to why it was ruled in the merchants favor. I have requested from merchant evidence, but have not received any despite asking for it twice now.
My suspicion is that the merchant is either submitting false information or doctored evidence as they have a history of sleazy business practices ( more on that below ) or the Apple Card team at Goldman Sachs is simply refusing to acknowledge my evidence. The merchant has also been harassing me continuously with phone calls telling me to cancel the disputes.
There is a severe problem that not only am I not winning these disputes, I am wasting my time re-disputing the charge. The merchant has a long history of shady business practices and stealing money from customers and Apple refuses to protect its customers from merchants acting in bad faith.
Since my initial dispute on XX/XX/XXXX, I have since disputed the charge an additional 3 times.
XXXX Dispute on XX/XX/XXXX ( Case number : XXXX ) I provided evidence on XX/XX/XXXX after Apple/GS reached XXXX on XX/XX/XXXX.
Despite this, I lost the dispute on XX/XX/XXXX.
XXXX Dispute on XX/XX/XXXX ( Case Number : XXXX ) I contacted Apple chat to ask why my dispute was denied and asked to get it undisputed.
Despite resubmitting the evidence- my claim was once again denied. The only thing the email said was that I did not have enough evidence to substantiate the claim which is simply false.
XXXX Dispute on XX/XX/XXXX ( Case Number : XXXX ) Once again, when my claim was denied, I immediately tried to contact Apple to resubmit the dispute and expressed my concern that my claim kept getting denied.
I was able to get the charge redisputed.
Despite this, I once again lost my dispute on XX/XX/XXXX.
As I am writing this CFPB complaint, I have disputed my charge for a XXXX time filed on XX/XX/XXXX ( Case number : XXXX ).
Merchants ( XXXX ) history of suspicious activity and shady business practices - The attached documents show that they also have a history of refusing to offer refunds when flights are canceled.
https : XXXX Please also see complaints on the XXXX from MANY customers on their shady business practices.
https : XXXXXXXX XXXX XXXX XXXX Please see similar complaints from XXXX and XXXX XXXX with Apple - The merchant still refuses to refund me. Apple Card has not been any help either and have been giving me vague answers to why my dispute was denied.
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| 07/27/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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Marcus by Goldman Sachs has blocked my external transfer request from my savings account, locked my account so I can't access my account online, and has failed on multiple occasions to properly resolve via their contact methods being phone calls to their savings team. They've provided no actual notification that my account was being locked ( no mail, email, or phone notification ) and finally informed me that they force closed my account and that I have to contact them again in the future or status and to request my funds.
Monday, XX/XX/2023 : I placed three external transfer requests. I had XXXX savings accounts with XXXX, and have been a customer for years. Two of the three transfers completed successfully to my local bank, and to an external account that was verified and validated via my online account on XXXX. The third, and largest of the transfers ( over {$6000.00} ) was blocked even though I received email notifications that it was processing.
Tuesday, XX/XX/2023 : I tried to login to my online XXXX account to check on the status of the third transfer. I was notified while trying to login that my account was temporarily locked and I needed to call their savings customer support. I called and spoke with an agent after XXXX CT who verified my account and identity and said they needed to transfer me to a specialist to get my online account access back. They placed me on hold multiple times, then said a specialist would call me back in XXXX minutes. Hours went by, no call. Nobody from XXXX reached out to me.
Wednesday, XX/XX/2023 : I contacted my local bank where I was transferring the money to and spoke with a banker. I asked if they could see any incoming transfers but unfortunately informed me that they would be able to see it when I could see it. Dead end. Nothing they could do to help me to try to get my money from XXXX or confirm if the actual transfer was still processing.
Thursday, XX/XX/2023 : I tried to access my online account on XXXX via desktop computer and mobile device ( XXXX ). Still locked out of my account. I again called customer support for their savings ( the number they directed me to call ) and was again connected with an agent. After verifying my identity and account, they transferred me to a specialist. This time the specialist talked with me and informed me that XXXX was force closing my account with no reason provided. Any open transfer requests would be blocked, and I can not get access back to my online account. The specialist couldn't confirm how much money was in my account ( even though I know the exact amount that they owe me ). They suggested I call back in XXXX business days to check status of my account closure and to verbally verify my address for them to issue a check to me for the money they owe me from my savings account.
I am sitting in limbo with over {$6000.00} of mine sitting at Marcus by Goldman Sachs that they've blocked me from withdrawing and even preventing me from viewing my online account to confirm they haven't sent my money elsewhere. The agents and specialists on the phone continue to place me on hold, transfer me to someone else who has no information, or suggest they will call me back when they do not fulfill that promise. They can not confirm how much money is in my account, can't provide me access back to my online account, can't confirm why my account was temporarily blocked or now being forced closed, and they've provided no actual communication via email, mail, phone or otherwise to notify me of any of this activity. They've been an incredibly easy company to deposit money and paychecks into and gain a competitive savings rate but it feels highly suspicious and almost intentional to create methods to prevent me from withdrawing my money from my savings accounts with them.
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| 03/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Apple has recently started holding my payments for an unreasonable amount of time after they have been debited from my bank before crediting my account. For example, between yesterday and today I made two payments, one on XXXX {$4900.00} and one on XXXX for {$4800.00}. I was informed in a chat today with Apple Card customer service that it will take 11 days before these payments post and add available credit to my account.
This is an unreasonable amount of time for Apple to hold my funds and not credit my account and is problematic for the following reasons.
1. ) I feel Apple is doing this in order to limit the amount I can use my card and receive cash back 2. ) Apple has been given no reason to delay credit of my payments. I have been a excellent client and made all payments on time and therefore interest free.
3. ) By refusing to credit my account in a timely manner they tie up both my funds and my ability to use the card. Therefore the funds are either tied up on a credit card that has no ability to earn me any rewards or cash back or if I pay the full amount and to have free use of my funds I am forced to pay the interest rate on their card.
4. ) This behavior by Apple might be understandable if I was not an excellent client with an excellent record of payment. In XXXX alone, I used the Apple Card to make over {$390000.00} in purchases. I have a XXXX credit limit, so on the average I not only paid my entire XXXX Apple Card balance each month, but I also paid an additional XXXX over the XXXX balance. Dates and information leading up to these issues.
Historically, I have had no issue with Apple or with receiving immediate credit to my account after making a payment.
However, on XX/XX/XXXX I made a payment for {$10000.00} at XXXX from XXXXXXXX XXXX to the Apple Card that was declined because of a issue with my account on Landmark Banks end. Upon seeing that the payment was rejected at I immediately on the same day ( XX/XX/XXXX at XXXX ) made another payment for {$4900.00} from my XXXX XXXX account. This payment was accepted.
This payment was not late by any means.
Not only had I been on time, I made the following multiple accepted payments to my Apple Card in XXXX XX/XX/XXXX for {$2900.00}, XX/XX/XXXX for {$990.00}, and XX/XX/XXXX for {$990.00}.
Since this happened I have had to wait an unreasonable amount of time for my account to be credited after making my payment. When asked the explanation I received on XXXX for a payment made on XX/XX/XXXX and shown to be debited from my account on XX/XX/XXXX was the following response.
From Apple : It looks like we have received a reversal on a payment you've made in the past. Due to this it may take longer for payments to reflect in your available credit. The payment of {$4900.00} will release on XX/XX/XXXX and the payments of {$2400.00} and {$15000.00} will release on XXXX hold is on our end not the banks end. Anytime there is a canceled, rejected or reversed payment, it can place a hold on the next payments made in sequence to that one.
I was hopeful when I made the payments today that the hold would be released, however that was not the case and today when I made an inquiry this is the message I received.
From Apple This payment has been applied to your account but is currently on hold. Your available credit for the payment in the amount of {$4800.00} made on XXXX will reflect on XXXX. In the meantime, you can review your account balance and make additional payments by tapping the link below. XXXX Im obviously going to stop using my Apple Card and thankfully have the means to pivot my expenses to other cards, but Apple Card should not be able target their customers who dont allow Apple to make money because they utilize their Apple card, pay it off and have a great payment history.
|
| 05/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
|
My Apple Card, which is a Goldman Sachs Mastercard, denied a refund claim for multiple duplicate charges by the same app within 45 minutes.
XXXX XXXX XXXX XXXX XXXXXXXX made multiple duplicate charges to my Apple Pay on two occasions now.The first time was on XX/XX/XXXX in which five charges of {$1.00} was charged on my account the same day for their in-app purchase XXXX XXXX XXXX. Unfortunately, I did not see all of the charges in time ( my daughter made them on a shared Family Plan ) and didnt notice before the money was taken from my account. Last week, on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX charged XXXX for in-app purchase XXXX XXXX XXXX, six times in a row from XXXX XXXX to XXXX XXXX. It also charged in-app purchase XXXX XXXX XXXX to my account twice for XXXX contacted Apple / Apple Card when I noticed the charges the next day, and tried to dispute them. I reached out for help the only way Apple allowed, through my iPhone wallet, to dispute the charges. An apple support rep via chat verified that we had been fraudulently charged multiple times and made a refund request for the extra charges. My daughter promptly deleted the entire app from her device, believing the app XXXX XXXX XXXX XXXX XXXXXXXX to be fraudulent since theyve done this twice now.
Both the refund request and the denial review were denied within days. Though two different online Apple support agents agreed that the charges from the game app from the Apple App Store were duplicated many times in error ( or fraudulently ) on two occasions by the same app, their final response was I exhausted all of my options for you. I went ahead and submitted a refund request, however, it was declined. I am so sorry for any inconvenience. Although we're not able to issue a refund for these purchases, I recommend trying with the developer to see if they have any concessions they can provide to make up for the issues. I asked if it was Apple or Apple Card declining to help me and he said both and stated I have checked that with the Apple Card department they will tell you the same, that the charges were ineligible for a refund, however I have one option to help you in this situation. Since the refund was denied from our side, in this case you can go and dispute the charges with your bank, just take in consideration that your account will be disabled and you will have to add another payment method.
The app developers app support link leads to an error page stating it does not exist and their blog says any app refunds must be handled by Apple Support. I emailed the developer XXXX / XXXX XXXX, but no response has come after an automated response. So, basically theyre just pointing to each other while stating that Im not getting any of my money back.
This is both fraud and theft and Apple Cards site clearly states : Have peace of mind knowing that the financial institution that issued your Mastercard won't hold you responsible for unauthorized transactions. As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions. As a cardholder, you will not be held responsible for unauthorized transactions if : You have used reasonable care in protecting your card from loss or theft ; and You promptly reported loss or theft to your financial institution.
If you believe there has been unauthorized use of your account and you meet the conditions above, rest easy knowing you have the protection of Mastercards Zero Liability promise.
How am I supposed to get a refund if Apple wont help me and this app seems to have no support for its customers? This app in one day on XX/XX/XXXX charged {$130.00} to my account, is there no one that will help me fix this issue?
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| 12/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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Goldman Sachs closed my Apple Card account without providing me notice and without providing an explanation. I have a consumer right to be informed of the specific terms within my customer agreement which Goldman Sachs alleges I violated. The paragraphs below detail the my complaint in greater detail.
In XXXX of 2022, I noticed that my Apple Card was being declined when I attempted to make purchases. I reached out to Apple Card XXXX on XX/XX/2022 in regards to the issues which I was experiencing with my account. I was informed by the customer service representative that my account was frozen and under review by Goldman Sachs. I was also informed at this time that Goldman Sachs would not provide me with any information why my account was under review. I asked for a call back to provide me an update on my account 's review. I never received a call back.
I allowed quite some time to pass before I reached out to Apple Card Support again. I opened my XXXX XXXX feature on my XXXX in XX/XX/2022. Navigating to my Apple Card in the XXXX XXXX, I read that my account had been closed. I have no receipts of an Account Closure letter or notification. Apple Card XXXX says I should have received an account closure notice via email. I never did receive this notice. I have received other correspondence from Apple Card Support, but I never received an account closure notification. I specifically solicited the notice at a later date, in XX/XX/2022, and a support representative then forwarded me the letter at that time.
In XXXX of 2022, I reached back out to Apple Card Support to solicit further information pertaining to my account closure. At this time, Apple Card Support and Goldman Sachs had not provided me justification for my account closure. After having my issue elevated to a manager at Apple Card Support with Goldman Sachs, I was informed of the following : " [ The account ] shows that we closed it due to violation of the agreement contract you signed but doesn't include specifics on the reason. '' I requested a call back from a supervisor for more information. This request went unfulfilled.
In XXXX of 2022, I reached out to Apple Card Support another time. I again was seeking further information pertaining to my account closure. I was able to, at this time, have the official account closure notification letter sent to me via email. The letter lists the following reason for my account closure, " there was a failure to comply with the terms of the Customer Agreement. '' The letter does not detail any further information. I then requested for Goldman Sachs to inform me of which term ( XXXX ) the company is alleging that I violated. This information I expect Goldman Sachs to provide me. Goldman Sachs refuses to provide me with any information beyond this statement, " there was a failure to comply with the terms of the Customer Agreement. '' This is the response I receive from Apple Card Support when I solicit further information, " In fact, we are being instructed by those above us to only relay the information, stating 'the only information we can provide is the account was closed by the bank and refer the customer to the AA letter. ' '' My complaints regarding my Apple Card account closure can be summarized as follows : - Goldman Sachs did not follow up with me in regards to my account initially going into review, before the bank decided to close my account. I made a specific request to be informed of developments and to be provided further information. This request was not fulfilled.
- Apple Card Support / Goldman Sachs has closed my Apple Card account and has provided an unsatisfactory explanation for the action. I strongly contest that I was in violation to the terms of my Customer Agreement with Goldman Sachs.
|
| 09/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
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Short version : I'm locked in a fraud-block cycle where my transactions are declined, the card is blocked and put under review, and when the review is cleared, the same transactions are declined again and the cycle starts over. When I asked a phone agent to close the card because it wasn't worth this hassle, my request was refused.
I opened this card for the cash-back benefits for Apple transactions , and I've been entirely unable to take advantage of those, and instead used a card that only provides XXXX XXXX instead of the advertised XXXX XXXX I applied for this card to use.
Long version : XX/XX/XXXX Applied for Apple Card. The application was approved with a {$8500.00} credit limit.
I purchased a XXXX XXXX through the Apple Store App for pickup in-store for pickup that day, the card worked fine for this ( and two small transactions, one in the store, and one App Store transaction on my new laptop ).
Later that night, the card was blocked for review. I received a voicemail asking me to call in, did so. I had to go through an identity verification process and was told the " Identity Theft Alert '' on my card would be removed.
XX/XX/XXXX Decided to return the XXXX to get a model with different specs. I tried to place an order using the Monthly Installements option through the App Store ( same as my initial purchase, but a different purchase amount ). The transaction was declined, despite the credit limit being sufficient to cover both this purchase and the pending transaction for the laptop I was returning. I tried two more times to see if it was just a glitch, including one time using pay-in-full instead of the Monthly Installments option. The last order ( pay-in-full ) went through.
A few hours later, I received another voicemail asking me to call in. I did, just to be told that my " account was under review '', and there was nothing they could do over the phone ( so why leave a voice mail telling me to call in the first place? ). I mentioned the issue with the pending transaction ( the pay-in-full order that went through ), and the agent told me they would try to escalate the review.
XX/XX/XXXX Received an email from Apple that there was an issue with the payment on the order and I needed to update my payment method. My Apple Card was still blocked, so I had to call in to add a different card to the order, one with significantly worse cash back returns for this transaction.
XX/XX/XXXX My card was unblocked. I attempted to place a new order, using this card, for the XXXX XXXX specs I wanted ( intending to cancel the order that was charged to my other card ), and the transaction was declined yet again.
A few hours later, I noticed ( unsurprisingly ) that the card was blocked again.
I called in, waited for 20 minutes on hold, and had to hang up. I called in again and was able to speak to an agent. I explained this whole story to her. She put me on hold and came back to say my account was under review ( *again, * for the same purchase that was blocked, reviewed, and cleared over the weekend ), and there was nothing she could do other than tell me to wait out the review -- which I'd already done once, and had no reason to believe would have any different effect than it did the first time.
Unsatisfied with the options, I asked her to just close the card. I was told that couldn't be done while the account was under review. I asked if she could leave a note on the account to close it as soon as the review was completed. She said she was making notes, but that to close the account, I'd have to call back in again after the review was completed. At this point the call quality degraded, I could no longer hear what the agent was saying, and, extraordinarily frustrated, hung up.
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| 03/31/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I am seeking a valid response from Goldman Sachs. The dates provided in the response are flawed, as I did not purchase the home until XXXX. So, it was impossible to purchase the mortgage loan from XXXX XXXX on XXXX XXXX, XXXX ( the Note was Not held for One Year ). Goldman Sachs states, " According to the records ... .. '' -- What records? GS Mortgage Securities Corp is / was a related entity to Goldman Sachs. When did a Goldman Sachs controlled company sell the mortgage loan, and to whom? I would like a time-stamped and recorded document that would reflect compliance within XXXX, SEC and laws for the State of New York that pertain to the sales transaction from a securitized trust. Again, I am seeking regulatory help in this election year from XXXX XXXX, Director ; CFPB, FDIC, OTS, OCC, FTC and other previously mentioned government agencies -- as this level of fraud is unprecedented.
Case number : XXXX Company responded Goldman Sachs Bank USA said : Explanation of closure In response to your request, based on a review of our firm 's records, please be informed that our firm has no ownership or any involvement with the operations of your loan. Goldman Sachs Mortgage Company purchased your loan from XXXX on XXXX XXXX, XXXX and GS Mortgage Securities Corp., acquired the loan from Goldman Sachs Mortgage Company and deposited it into a trust entitled XXXX XXXX XXXX XXXX XXXX ( Trust ), on XXXX XXXX, XXXX. According to the records, XXXX ( " XXXX '' ) is the trustee for the Trust, and the current owner of your loan. The Trust is a separate entity, XXXX XXXX Sachs maintains no involvement in the operations of the Trust, including maintenance of original documents associated with your mortgage loan. Please contact XXXX as Servicer, or the Trustee, XXXX, if you have questions regarding your mortgage loan payments or require additional information about the Trust.
Describe what happened so we can understand the issue ...
Goldman Sachs purchased my mortgage note from XXXX XXXX in XXXX. A securitized transaction that included my home loan was completed on XXXX XXXX, XXXX.
The transaction names XXXX as the Trustee for Goldman Sachs XXXX XXXX XXXX XXXX.
The transaction is deemed invalid, as the mortgage note was not transferred or recorded into the Trust within the 90-day closing period that is required by New York law and the Pooling and Servicing Agreement.
For the past few years, Goldman Sachs has relied upon XXXX and XXXX to fabricate fraudulent Assignment of Mortgage documents in an effort to gain a legal standing to execute a foreclosure sale against my home.
These types of action have led to the recent approval of a civil lawsuit against Goldman Sachs for {$5.00} XXXX Dollars ; which, I am seeking inclusion in the suit for wrongful foreclosure, unfair business practices and excessive emotional grief.
Without recording the mortgage note into the Trust within the required 90-day time frame, Goldman Sachs, its Trustee or other representatives have no standing to foreclose on my home.
I am a U.S. veteran who should not be subjected to shady financial transactions that were orchestrated by banks / investors who assisted in the toppling of our country 's financial system.
Consent to publish the description of what happened? Consent provided I want Goldman Sachs to cancel my foreclosure sale, so that regulators from the OTS, OCC, FTC, CFPB, FDIC, HUD and other government agencies have an opportunity to review the facts of my case.
I want to receive proceeds from the {$5.00} XXXX lawsuit that Goldman Sachs has agreed to pay homeowners who have been vilified as a result of its business practices and engagement in unethical dealing with mortgage banks, such as XXXX XXXX and XXXX.
I
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| 05/26/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American, Servicemember |
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XXXX XXXX XXXXGoldman/sachs and XXXX are the same people. They make up this huge marketing campaign to tell everyone that if they are not dealing with the bank that everyone else in the foreclosure business is crooked. Yet, they are breaking the law and judges let them get away with it by falsifying to steal houses. I wonder how many judges have Goldman shares in their portfolios? I bet a lot of them! They must have XXXX as a separate entity because it would be illegal for Goldman to do this on their own as a bank. They KNOIW they are breaking the law, and they set up other companies just for that purpose and to cover their XXXX with FDIC, OCC, SEC, etc.!!!!!!!!!!!!!!!!!!! NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN ( 15 U.S.C. 1641 ( g ) ) You are receiving this notice because the ownership of your mortgage loan identified below has been sold, assigned, or transferred to XXXX XXXX XXXX ( " Covered Person '' ). You may contact the prior holder of your mortgage loan, or the servicer of your mortgage loan, if you want to confirm the sale/assignment/transfer of your mortgage loan to the new Covered Person. Information about your Mortgage Loan : Borrower Name ( s ) : XXXX XXXX XXXX Loan Number : XXXX Address of Mortgaged Property : XXXX XXXX XXXX XXXX, NY XXXX Please note the following information regarding the sale/assignment/transfer o ( our mortgage loan : 1.Name, address and telephone number of the new Covered Person : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX XXXX ( XXXX ) XXXX 2.Date of sale/assignment/transfer of your mortgage loan : XXXX XXXX, 2017 3.How to reach your Mortgage Loan Servicer, which is the party who has authority to act on behalf of the new Covered Person : XXXX XXXX XXXX does not service your loan XXXX The current servicer of your loan is XXXX XXXX XXXX. ( your " Mortgage Loan Servicer '' ). Your Mortgage Loan Servicer is responsible for the ongoing administration of your mortgage loan, including collecting mortgage payments, sending billing statements and escrow statements and answering any questions you may have about your mortgage loan. XXXX XXXX XXXX IS NOT THE SERVICER OF YOUR LOAN.ANY MORTGAGE PAYMENTS SHOULD CONTINUE TO BE SENT TO YOUR MORTGAGE SERVICER. SHOULD YOU HAVE ANY QUESTIONS REGARDING YOUR LOAN, PLEASE CONTACT THE SERVICER USING THE CONTACT INFORMATIONSET FORTH BELOW. The mailing address and phone number of the Mortgage Loan Servicer for your mortgage loan is : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PST ) Monday-Thursday XXXX XXXX XXXX. The location of the place where transfer of ownership of the debt is or may be recorded is the office of public land records or the recorder of deeds office for the county or local jurisdiction where the property is located.5. Partial Payments : XXXX XXXX XXXX is your new lender and may have a different Partial Payment Policy than your previous lender? Under our policy, we may hold payments that are less than the amount due ( partial payments ) in a separate account until you pay the rest of the payment, and then apply the full payment to your loan. If this loan is sold, your new lender may have a different policy. 6.Additional information : The transfer of ownership of your loan does not affect any term or condition of your mortgage loan, other than terms directly related to the ownership of your loan. This notice does not change the address where you send your mortgage loan payments. Any payments should be sent to your Mortgage Loan Servicer, as noted above. This notice is not an attempt to collect, assess or recover a claim against you, or to obtain possession or control of any property. fake debt by investor!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
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| 05/10/2019 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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I manage all of my mother 's financial affairs under a Power of Attorney. She is XXXX, is in poor health, and lives in an assisted living community. I utilize the power of attorney to manage her day to day living expenses, health care, etc. with funds and investments maintained in several other financial institutions. My father passed away in XX/XX/XXXX and he had a policy which I deposited in my mother 's checking account at XXXX XXXX. Since Marcus offered substantially higher rates, i opened several accounts ( 2 types of Savings Accounts, and one 12 month CD ). I opened the account with Marcus on-line and provided all of the requested information on-line in my mother 's name and Social Security Number ( and all other relevant information. I used the Marcus system to move & XXXX from the proceeds deposited at her XXXX account over to Marcus in early XXXX ( not sure of exact date ). Around XX/XX/XXXX, I went on-line to check on a transaction I made and found that Marcus had temporarily blocked my access. I called Customer Support and explained the situation. They requested that I send a copy of the Power of Attorney, which I did immediately. They informed me that it would take up to 10 business days to respond. After I did not hear back from Marcus, I again called Customer Support. Each time I called their phone support I was put on hold multiple times as it seems the people who answer the phones are not well trained and constantly have to put you on hold to get instructions from other areas. In any case, I very upset to find that they would not accept the notarized POA that our attorney executed, and that I would need to sign their durable power of attorney. After some debate and escalation, they agreed to send me the forms via XXXX in and a self addressed return envelope so that I could return the forms to their Utah office for review. The forms were Marcus ' Durable Power or Attorney, and an Affidavit and Indemnity of Attorney in Fact. I had to make special arrangements to have a notary come to my mother 's facility and we executed both forms and sent the back to Utah. After several more days, I called Customer Support on XX/XX/XXXX, was put on hold several more times, cut off 2 times after being on hold for about an hour ... each time having to navigate through their automated phone system. Each time I provided all of the required answers for authentication including a secret password. Marcus acknowledged receiving the documents but claimed that there was a problem in that I did not put the account number on the form. I told them that I was not able to obtain the account number because they had blocked my access, and since I opened 3 accounts I intended the POA to refer to all accounts opened in my mothers name. In fact, each time a CD with a different maturity is transacted, there would be a new account number assigned. Then they said they needed a medical form explaining why my mother ( XXXX years old ) could not provide the numbers. I explained again my mother 's condition and what the purpose of a POA is but they did not seem to understand. I requested escalation and they told me that it would take another 2 days until I could speak to someone of authority. All of these conversations were recorded so I know there is a record which would show that I followed all of their instructions. To date, I have not had access to the account for about a month. I am fairly sure that they have broken some laws, not the least, exhibiting atrocious customer service that seems to be manned by under-trained personnel. I would like them to provide immediate access to my mother 's account, not the least, I intend to move the funds to another institution ( NOT an Internet Bank ).
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| 10/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I had a repair service was done to my daughter car in XXXX XXXX Michigan at XXXX XXXX on XX/XX/XXXX after recommendation from the head mechanic that I need to change the front break disc and pads and sensor and calibres bolts and the front sway bar links so after he finished the service I went with the mechanic for a test drive and I noticed that the noise sound I used to hear it in the front suspension still the same nothing changed and I told him that but he kept saying there is nothing wrong and he checked the front suspension and he didnt notice anything wrong I paid him and took the car after couple days I heard a loud noise coming from the front brake I stepped out to check it and found that the break pads clips are loose and making that sound I took it to the shop on the next day to fix it since I know that its still under warranty they put the car on the left to fix it but when they returned the car back to me I noticed that the caliper cover is missing and when I ask the mechanic about it he told me that its was broken while fixing the clips and that something can not be purchased separately which means I have to buy the whole calliper which cost {$650.00} labour not included also I was charged for wheal alignment which was not required for those repairs and I had an argument with him about it and when I asked him when did you do it since you dont have the proper equipment for it he told me at XXXX XXXX XXXX and when I asked about the alignment computer print out he said that he didnt have it so at the end he gave me an invoice with the store credit for the alignment charge as shown on my pdf file I tried to use my warranty couple times since I am satisfied with the service is been done and all the noise I been hearing and the shacking I am feeling when using the brake but he keeps saying that nothing wrong and if I am not happy I should take it to the dealer to get it checked and hes not doing anything else on it I kept driving the car for couple weeks and then went to change oil at the XXXX XXXX XXXX shop because I want to know first if my car is been there for alignment before as he mentioned but my car information wasnt registered at their system I asked the mechanic to check the front noise and the brake problem and I mentioned that these are new and its only been done couple weeks ago he open it and allowed me to take couple pictures for the discs and the calliper bolts which was rusty and doesnt seems that was replaced new and I was complaining about the black dust coming out from the front pads also but while I was standing there I noticed that the owner son of XXXX XXXX stepped in and had a brief conversation with the guy who runs the XXXX XXXX XXXX so I didnt feel comfortable and paid for the oil changed service and suspension check and left the shop latter on on XX/XX/XXXX I was driving with my daughter to New York and its around XXXX XXXX from XXXX XXXX I had a very unsafe trip driving my car with that weird noise I was hearing so as soon as I arrived New York the next day I went to a local mechanic shop to check the car to make sure its ok to drive it back to Michigan and there was the big surprise that the only thing that XXXX XXXX change in my car was the front brake pads but because it was installed on the old bad discs and wasnt installed properly thats why I was feeling the shaking while using the breaks also the calliper bolts never changed before the front sway bar links never changed before and in very bad shape causing all the noise on the front suspension so I ended up getting all these parts replaced again and I had to pay again for parts and service for the same parts XXXX XXXX change me for but never replaced it
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| 01/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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XX/XX/2021 I opened Apple Card at XXXX XXXX XXXX in New York. I could not purchase anything because they said it would take 24 hours to get it approved.
XX/XX/2021 I noticed an activity on my email and called Apple and found out my card has been used to make purchases at XXXX XXXX XXXX for the amount of {$5400.00}. I called Apple Card Support and cancelled the card immediately and opened a dispute.
XX/XX/2021 I received an email saying that my transaction dispute has been resolved in favor of XXXX XXXX XXXX because XXXX XXXX XXXX provided sufficient evidence. I asked for a copy of the evidence. Immediately I went back to XXXX XXXX XXXX and told them what happened, there was no help there so I called 911 and XXXX Police Department sent an officer to meet me at the store. I filed identity theft with the police department saying that my identity was stolen at the XXXX store while opening the Apple Card. Officer said they can't prove it so she suggested I file with XXXX XXXX Police Department because I reside there.
XX/XX/2021 I filed Identity theft/ Apple Card unauthorized charges with XXXX XXXX Police Department XXXX
I called Goldman Sachs ( Apple Card Support ) on XX/XX/2021 and gave them the police incident report. I talked with one of the supervisors ( XXXX ) and she said there is no evidence that she can see in the system. I mailed a copy of the police report to Goldman Sachs.
XX/XX/2021 I called Goldman Sachs to follow up and asked for a copy of the evidence again. They reopen the dispute.
XX/XX/2021 I received an email saying XXXX XXXX XXXX provided sufficient evidence. I asked for a copy of the evidence. They reopen the dispute case.
XX/XX/2021 I received an email saying that XXXX XXXX XXXX provided sufficient evidence. I talked to the supervisor XXXX ( they don't give their last names ) at XXXX the same day. She looked up the account and told me that there was no evidence on all 3 disputes. She said it would not make sense. She escalated the case to her manager and told me that she would send me an email stating that there is no evidence against me for the purchases. I have never received the email.
XX/XX/2021 I called XXXX to follow up the case. They reopened the dispute.
XX/XX/2021 I received the same email saying that the transaction has not been resolved in my favor because the merchant provided sufficient evidence.
XX/XX/2021 I went to the XXXX XXXX XXXX. I told them what's been going on with my account and asked for the receipt of the purchases. They could not found anything, no purchases, no orders, no evidence that XXXX has been claiming. No record of my name, my email, my Apple Card number or and transactions related to me... Same day I called XXXX and told them I went to the XXXX XXXX XXXX and they don't have any records of me making any purchases at their store and XXXX XXXX XXXX never provided any evidence to Goldman Sachs about and purchases made by me...... They reopened the dispute and escalated to the management one more time.
XX/XX/2021 I called XXXX to follow up the status of my dispute and asked for the copy of the evidence again. Person I talked with ( XXXX XXXX said he can't see the evidence in the system and he asked the management to mail me the evidence.
I have not heard from XXXX yet.
This is so frustrating. I have all the backup documents I can send if required. I have the records of the conversations with Apple Card XXXX specialists, supervisors, mangers. I have the records of actual conversations that there is no evidence.
XXXX is sending reports to the credit bureaus and damaging my excellent credit score. I have had enough with the games Goldman Sachs is playing. I really need help. PLEASE HELP.
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| 08/27/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #.
According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
ListAccounts I want the CFPB to publish this description on consumerfinance.gov AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE IS NOW XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - DISPUTE RESPONSE!!!! 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
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| 08/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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Goldman Sachs ' migration of XXXX XXXX credit card accounts has resulted in illegally compounded interest, Intentionally withholding alleged balances due to collect future interest that is illegally accrued and compounded, falsely reporting to my credit bureau and then providing false responses to my complaints, to which I've attached a recording proving the responses to my concerns are completely false.
I spoke verbally to a GS representative in XXXX with I asked for my total pay off due for the purpose of forever closing my acquired account with Goldman Sachs because they failed to properly migrate the acquired XXXX XXXX they bought from XXXX XXXXXXXX which resulted in adverse impact on former XXXX XXXXXXXX customers -- including me.
XXXX*I specifically asked for the CURRENT PAY OFF AMOUNT TO SETTLE MY ACCOUNT '' I was provided with a total of over {$3800.00} which I paid over the phone on XX/XX/2022. I was informed this would completely pay off and resolve my account as I had previously complained multiple times regarding all the issues Goldman Sachs acquisition of my account from XXXX XXXX.
NOTE : I actually CLOSED my account in XX/XX/2022 because of these issues, they continued to have system errors or choose to not run my autopayments which is the precise reason I said I wanted to pay off -- to avoid them damaging my 800+ credit score.
Now, Goldman Sachs is claiming they are permitted by law to purposely not disclose the full amount due at the time a consumer requests it.
I reviewed my account, and Goldman Sachs assessed {$23.00} in interest on XXXX XXXX, THREE WEEKS after I paid off.They claim it was for purchases made in XXXX, but as you can see from the attached documents, I didn't have purchases in XXXX, there were no purchases made after the payment was made and I paid the full amount due and nothing else is due.
You will also see GS compounded interest on interest and charged XXXX cents as well as XXXX in interest, for a total of XXXX in penalties which is higher than the alleged fake interest which is also a violation of the CARD ACT.
As you can see from the attached screenshots, there were NO Purchases NONE. They claim interest of XXXX wasnt disclosed because I purchased something totalling XXXX? Didnt happen.
The interest is illegal.
GS is trying to collect another {$46.00} from me, in an unconscionable and unethical attempt to continue to harm me. It has since added late fees in excess of the illegal interest they are attempting to charge me.
What a disgusting illegal and unethical company. I paid SPECIFICALLY due to this company INTENTIONALLY not processing my autopayments so it could illegally charge late fees. I SPECIFICALLY complained about the incompetence and unethical behavior and SPECIFICALLY shared that I wanted the TOTAL AMOUNT DUE AT THE TIME I PAID -- I asked WHAT IS DUE TO GET AWAY FROM GS?
Why would the rep not disclose the total due at that time?
Why would the rep not disclose " There will be another bill of 'trailing interest ' if that was the case?
Additionally I had spoken with MULTIPLE managers after that time because they reported me late to the credit bureau which I then had to file a complaint about. Their response was " NO WE DIDN '' T but the attached recording proves they did and they noted in their system that THEY DID.
Why would the CFPB allow this complaint to be closed and force me to file ANOTHER complaint when I have evidence that COMPLETELY CONTRADICTS THIS RESPONSE.
I am FED UP AND THIS IS NOT EVEN CLOSE TO BEING RESOLVED. The balance needs to be waived, I need something inwriting stating the same and hten for GS to never ever ever ever ever contact me again.
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| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquire n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX inqued on XXXX XXXX XXXX Inoured on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX, XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX CXXXX XXXX XXXX Inquired on XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XX/XX/XXXX ane XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquire on inqued on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX insured on XXXX XXXX Inquered on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Uued on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX IN XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UT XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( OD ) XXXXXXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XX/XX/XXXX am XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/XXXX XXXX XXXX I contacted Apple Card - GS Bank USA of my exercising my federal right as a consumer to opt of reporting to XXXX, XXXX and XXXX. According to the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the report. Transaction history should not be reported unless otherwise directed by the consumer. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Apple Card- GS Bank USA is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Apple Card- GS Bank USA- the financial institution , and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and Apple Card- GS Bank USA whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Apple Card- GS Bank USA never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. In addition, this account is shown on my credit report as a Charge-Off from Apple Card- GS Bank USA ( credit report attached ). The IRS clearly states that a consumer should receive a 1099-C filed by the financial institution with the IRS for that Charge-Off. The IRS and FCRA clearly states that income can not be reported to a consumer report.
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| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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AS OF XXXX XXXX, I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card XXXXureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$62.00} {$62.00} {$62.00} Date Opened : XXXX XXXX XXXX Balance : {$6300.00} {$6300.00} {$6300.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$6400.00} {$6400.00} {$0.00} Credit Limit : {$6200.00} {$6200.00} {$6200.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XXXX XXXX XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DISPUTE RESPONSE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
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| 06/30/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
Older American |
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I, as power of attorney, opened an account in the name of my mom who is in XXXX XXXX with XXXX, XXXX XXXX. At the time I was not aware of, nor should I have been aware of, that banks rule that a new account for her can not be opened by myself. The concept was simple. The funds in her XXXX XXXX checking account were paying a fraction of one percent interest and marcus was paying XXXX percent interest which would have generated extra income to pay her medical bills which exceed her income from social security. Easy as pie to open the account, link the accounts, transfer the funds. Then I get an urgent email to contact marcus. I did so and they demanded to speak to XXXX. I clearly explained to the rep that she can't speak a cogent sentence and is in XXXX XXXX. At this point he could have initiated an account closure but maybe he was ignorant of that rule as I was? So they request my power of attorney, sent. The same one used to take over the XXXX XXXX account, sell mom 's house and car, and put her in XXXX XXXX somehow was not good enough for them so they blocked my account access. This was back in XX/XX/XXXX!!!! I file a complaint with CFPB, allegedly the bank regulator of Marcus. Marcus responded on XX/XX/XXXX about how my action of opening the account violated their rules and thus were closing the account and sending the funds to the original funding account and to please close the complaint. Pure and simple they lied to their regulator!!!!!!!! Then, on XX/XX/XXXX I receive an email confirming account closure. It took six weeks to close the account? That is not the problem. The problem is they kept the funds!!!! I repeatedly called their reps until I got one priceless response telling me that the account was indeed closed but the rep has no idea where the funds went!!! She said she would inform her manager who would call me back and of course he never did. Flash forward and I call again. This time I am told that I must call XXXX XXXX bank and they must solve it. I replied that I sent the funds and it is ridiculous to think that XXXX XXXX can simply reach out and take funds from marcus. Nonetheless I did call XXXX XXXX and they assured me that I was correct and the account remained in good standing and suggest that I " file a police report ''. I planned to do that but thought that first I would give marcus one last chance to come clean. Mention of a police report did indeed get their attention and they spent some good time with me discussing the issue including confirming that they had the correct XXXX XXXX account information, which they did. Finally, they figured out what happened, that the funds were allegedly sent to the unclaimed funds dept in my state. Well guess what, I have dealt with them before because my mom 's condition caused her to let funds go dormant and I reclaimed them. A search revealed no such funds and indeed I even received an email reply from them stating the funds were not there. The marcus account number was XXXX and the XXXX XXXX account number is XXXX. This fiasco has dragged on for over six months for no valid reason and the fact that marcus lied to CFPB, their regulator, can not be overstated!!!!! I am going to once again request marcus to do an internal audit and figure out which thief or incompetent worker stole my mom 's funds. It boggles my mind how CFPB, a government agency, can't get legal authorities to investigate this fraudulent or incompetent banking institution. I am aware of actions of retaliation that have been taken against me and I am just a XXXX and goldman sachs is a whale but I still have a few cards left to play. Ignore this at your own peril marcus, of course via legal actions.
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| 02/01/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Marcus XXXX XXXXXXXX XXXX offers a referral promotion where, upon the successful referral of a new customer, both the referrer ( original account owner ) and the referee ( new account owner ) receive an interest rate increase of XXXX percent for a period of XXXX months. Referrers are instructed to share their unique referral code with the referee, and the referee must use that link to open an account, in order for the promotional bonus to activate. This program is called Marcus Referred.
I referred a new customer in early XX/XX/2023, who used my referral code to open a new account. The promotional bonus has not been applied to our accounts, and after multple attempts to solve the issue via chat and phone, Marcus has not adequately resolved this issue. My complaint is as follows : 1. Marcus exhibited duplicitous behavior. Despite no error on my part, nor on the part of the referee, and despite following their procedure, the promotional savings is being unfairly withheld.
a. I contacted Marcus after a week of not seeing the bonus applied to my account. I was told to have my friend get in touch with them, which she did. ( Chat, XX/XX/2023. ) b. She was then told to send them my link, which was now coming up with the message, There seems to be an error with the referral link. She was told to have me get in touch with them again, and that theyre documenting it. ( Chat, XX/XX/2023. ) c. I contacted again, and was told to have my friend get in touch with them, which she didagain. ( Chat, XX/XX/2023. ) d. Via a phone call, she provided my unique code. She was told there was an error with the referral link, and that I should get in touch with an agent to have it checked out. Again and again, we heard this, repetitively punting the issue from referrer to referee. ( Calls, XX/XX/2023. ) e. After I placed two more phone calls with Marcus , I was provided the same runaround, finally being told that there is, indeed, an error with my link, and they will not fix it. ( Phone calls with agents XXXX, XX/XX/XXXX and XXXX, XX/XX/2023. ) Therefore, due to this technical issue beyond my control, my promotional bonus is being withheld. I have made every effort to provide evidence that the referee and I followed their protocol exactly. That they acknowledge not only these efforts but also the technical issuebut will not provide the bonusis knowingly deceitful.
XXXX. Marcus offered me unequal and inadequate resolution moving forward, offering me no guarantee that the Referred program will work for me at any point in the future. During my XX/XX/XXXX call with supervisor XXXX, after they acknowledged there was an issue with my link and that it would not be fixed, I was offered the following procedure to follow for the Referred program : a. When a referee opens an account, they are to call customer service as soon as possible to speak to someone to see if they can have my code applied.
b. When a referee opens an account, I am also supposed to call as soon as possible to try to link the accounts.
c. However, I was told they can not guarantee this will work, despite the documented issue.
Therefore, not only do they offer a more complicated route to obtain the bonus on the part of both the referrer and the referee, they are also unwilling to guarantee the promotion can be applied. This is an unfair and discriminatory alternative.
In summary : Due to a technical error with either my code, link, or account, I am being denied the promotional bonus. Furthermore, the alternative approach they offered is not guaranteed and is therefore inequivalent. Marcus has knowingly denied me the promotion, and has offered me an inadequate and unfair alternative.
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| 06/05/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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My complaint pertains to the new Apple Savings product offered by Goldman Sachs. From the day I opened the account on XX/XX/2023 to the time I called customer service on XX/XX/XXXX to close the account, I have faced almost every single scenario featured in this XXXX XXXX XXXX -- plus more.
XXXX XXXX XXXXXXXX Parallels to the XXXX include XXXX inability to verify external checking accounts for more than one week, moving money leading to " vanished '' money for more than one week, several deposits/withdrawals taking more than than two weeks to close, being told that I couldn't have " triangular '' transactions and yet blocking me from making the proper transactions ... and inconsistent advice at almost every turn. Impacts that I personally experienced mirror those faced by the customers featured in the XXXX article, such as : having to borrow against our XXXX for an emergency expense and missing the cutoff for final bids on a multiple-bid house because our good-faith deposit check was stuck. We were almost grateful our bid was not accepted, since the money is STILL stuck at Goldman Sachs three weeks later ....
In all of these cases, Goldman Sachs made absolutely no effort to provide updates on pending actions or activities that required my inputs or approvals -- no phone calls or emails, no websites offering status updates, no requests for authorization. When I pro-actively reached to Goldman Sachs out via text or hotline, the customer service reps provided inconsistent, non-existent or incorrect advice. During several of these calls, I received the impression that had I not called, account verifications or ACH transactions would have just stayed " pending '' and would not have moved at all.
On several occasions, when I requested status updates on pending or missing transactions, they literally had no records -- in spite of these same transactions being clearly documented by the sending or receiving external banks.
There are two additional examples of poor actions, even beyond the examples reported in the XXXX : XXXX ) After two-plus weeks and multiple attempts to withdraw {$110000.00} from Apple Savings to an external checking account ( initially requested on XX/XX/XXXX ) the deposit finally landed in my external checking account the morning of XX/XX/XXXX. But by the afternoon, the money was GONE from the external checking account. According to the external bank, the deposit had been reversed by Goldman Sachs... for no reason and no notice. Goldman Sachs didn't inform me or ask for my approval. When I called Goldman Sachs, the customer service rep had no record of this transaction.
2 ) I promptly requested to close my account on XX/XX/XXXX. The customer service rep informed me that the account would be closed and I would be getting a check of the balance in the mail via XXXX. She specifically told me that I need to be home to sign, etc. I asked whether I could just transfer the money and she said, No, it has to be a paper check. Three days later, my online Apple Savings dashboard shows no indication of being closed. The deposit still shows the full amount. When I spoke to two customer service reps about this, both of them informed me that what I needed to do is " transfer out '' the money before I can close the account. They literally had no record that I had already requested an account closure, and moreover, that the first customer service rep that told me that they had to send me a check. If I had only been able to transfer the money in the first place, I wouldn't have requested closing the account. As of XX/XX/XXXX, money that I had wanted to withdraw on XX/XX/XXXX is still in the Apple Savings account.
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| 03/28/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/2023, I attempted an ACH transfer of available funds from my Marcus by Goldman Sachs Online Savings account to an external account. Marcus halted the transfer hours later in order to verify the external account. Marcus called me and left a voicemail. I immediately returned the call on XX/XX/2023 and initiated the account verification process with a Marcus agent via telephone. After long hold time and being transferred around agents, an agent notified me that he must call the bank where my external account is held in order to verify the account with me on the line. I held for over thirty minutes while the agent attempted to contact the external bank before ultimately telling the agent that I had to end the call and follow up with Marcus on the next business day. The agent proceeded to lock my online account, limiting me from accessing both my Online Savings account and investment account until I called Marcus again.
On XX/XX/XXXX, I called Marcus to unlock my account and attempt to verify my external account in order to proceed with my requested transfer of funds from Marcus to my non-Marcus account. After more hold time and transferring to other agents, I was led to the correct agent who tried to send me a two-factor authentication code via SMS to my number on record. The SMS was not received, likely due to an issue on Marcus ' side, as my mobile was operating normally. The agent spent almost 30 minutes trying to resolve the SMS issue after telling me Marcus has no other way to perform two factor authentication. After 30+ minutes, I finally received the two factor code, which allowed the agent to finally speak with me regarding my locked account and transfer issues. Again, the agent tried to reach the external bank, which led to further hold time. Having to go to a work meeting, I requested that the agent stop trying to contact the non-Marcus bank and cancel my transfer request after unlocking my account, so I could instead transfer the funds under a new request to a different external account that Marcus previously authenticated. The agent confirmed she unlocked my account and canceled the transfer, so I could proceed with a new ACH transfer request on my own.
On XX/XX/2023 and XX/XX/2023, I attempted to transfer my available funds from my Marcus Online Savings account to any of the three previously authorized non-Marcus accounts saved in my Marcus online account. Each time, regardless of the transfer amount requested and saved/authorized account chosen as the target, I received a technical issue error, which halted me from transferring/accessing my funds. I attempted over 10 transfers varying from {$.00} to $ XXXX to three accounts via wire transfer and ACH transfer. Each attempt was blocked by a technical error on the Marcus XXXX app and Marcus website via multiple types of computers/devices.
On XX/XX/2023, I again called Marcus to complain that I could not access my funds. After hold time and multiple transfers, an agent attempted on my behalf an ACH transfer to an authorized external account, which was also blocked or failed without reason. The agent transferred me to a back office agent, who found no locks or issues with my account. After further hold time for investigation, I was transferred to another agent who attempted another ACH transfer that failed. She ultimately " manually '' pushed the ACH transfer and confirmed that it would be completed in 1-3 business days. I received no transfer confirmation receipt email and there are no transfers schedule or pending in my online account, so it remains to be determined whether my funds will ultimately escaped the grasp of Marcus.
|
| 11/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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On XX/XX/2023, I purchased an XXXX XXXX XXXX XXXX XXXX with XXXX from the Apple Store on my Apple Card, which provided an installment payment plan provision allowing me to pay the entire balance of {$1100.00} over 24 months at 0 % XXXX ( as shown in XXXX ) XXXX
On XX/XX/2023, I received a refund of {$1300.00} to my Apple Card from a cancelled purchase from XXXX made back on XX/XX/2023 ( as shown in XXXX ). Additionally, I received a refund of {$100.00} to my Apple Card from a cancelled purchase from XXXX made back on XX/XX/2023 ( as shown in XXXX ). These XXXX refunds were related to the same transaction to purchase a coffee maker. The {$100.00} was a pre-order reservation and the {$1300.00} was the remaining balance charged.
On XX/XX/2023, I contacted the Apple Card team at Goldman Sachs via their XXXX support chat and requested a credit balance refund for the {$1400.00} credited back to my account minus my current charges, which at that time stood at {$100.00}. I requested a credit balance refund in the amount of {$1300.00}. The specialist informed me " It is only {$190.00} Credit balance refund since the {$1100.00} was for the installment balance ( as shown in XXXX ). I informed the XXXX that this was incorrect and then we were disconnected.
On XX/XX/2023, I contacted the Apple Card team at Goldman Sachs via their XXXX support chat again requesting a credit balance refund in the amount of {$1300.00}. After some time, the specialist informed me that a credit balance refund was successfully requested ( as shown in XXXX ).
On XX/XX/2023, I noticed a Balance Adjustment on my Apple Card statement in the amount of {$170.00} with the notation Credit Reversal. This was not the full amount I was looking to be refunded and this left my Apple Card balance at {$1100.00} the exact balance of the installment plans on my Apple Card account ( as shown in XXXX and XXXX ) XXXX In XXXX, you can see that my XXXX XXXX is {$0.00}, indicating that I am entitled to any credit amount currently on my Apple Card account, which currently stands at {$1100.00}.
On XX/XX/2023, I contacted the Apple Card team at Goldman Sachs via their XXXX support chat again regarding the incorrect credit balance refund amount issued ( as shown in XXXX and XXXX ) XXXX My request was immediately escalated to a supervisor when I mentioned that I would be filing a formal complaint with the CFPB should this matter not be addressed correctly and immediately ( as shown in XXXX and XXXX ) XXXX The Apple Card Supervisor reviewed the account and previous conversations and responded with : I have read the previous conversation as well to be able to better help you.. I do understand the concern and how you would like the credit balance refund. Regrettably, I am not able to perform this for you but since since the installments are on the account. I do apologize for any inconvenience. The credit will remain on the account and as you get billed the installment payment it will decrease the credit remaining ( as shown in XXXX ).
I informed the supervisor this was a violation of the Apple Card Agreement as well as the Installment Plan Agreement that were both applicable to the situation in question. Nothing in either Agreement precludes me from receiving a prompt refund upon request. Yet, the Apple Card Team at Goldman Sachs have refused to do this on XXXX occasions now. The supervisors response to my claims was : I certainly understand and will be submitting this feedback to Goldman Sachs Bank for review. I thank you for your patience and a member from my management team will be in contact with you within XXXX days ( as shown in XXXX ).
|
| 02/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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On XX/XX/2022, I received a text that appeared to come from the XXXX advising me that a package could not be delivered because a portion of my house number was missing. The link took me to what appeared to be the XXXX and a XXXX charge was requested to verify my identity.
On XX/XX/2022, when someone asked if I had received a package from who I thought had made an error in my house number, I responded no, and showed them the text I got from XXXX. I clicked the link and a warning in red appeared indicating that it was a fraudulent phishing website. When I reviewed my credit card account there was no {$3.00} charge for XXXX, but instead XXXX charges for {$780.00} totaling {$1500.00} from the XXXX XXXX. I immediately notified Apple Card Goldman Sachs Bank USA and disputed the pending charges and requested that they immediately change my credit card number. I was told to watch transactions to see if they post, and if so, the dispute will initiate an investigation.
On XX/XX/XXXX, I noticed a package on my porch which turned out to be an XXXX. I contacted XXXX as I knew this was related to the fraud. I was advised that XXXX iPads were delivered that day, XXXX to another address in XXXX, and the other one to mine. Representative stated the criminal likely planned to retrieve this package from outside my home, but did not since I was home. During the course of our conversation, the thief tried to make another {$510.00} charge on my credit card at XXXX XXXX but it was declined due to the account number being changed. The XXXX sales rep gave me the address where the second package was delivered and the email that was used. I requested a return label to return the package ( XXXX ) delivered to my home. The sales rep advised that he had changed the addresses on the web orders associated with these unauthorized purchases to prevent thief from receiving any additional information. He recommended that I contact the police since it is likely that someone had been observing my home to retrieve the package. I called the police and around XXXX, a deputy arrived and took a report. I then provided the police report number to Apple Card Goldman Sachs Bank USA.
Today, I received XXXX emails from Apple Card Goldman Sachs Bank USA indicating that the investigation was complete and the merchant charge will remain on the account. XXXX stated : We reviewed available information which confirms that you authorized the purchase with the merchant. Upon review of my account, it now shows the XXXX transactions of {$780.00}. I called the credit card company, and they said they can send me a copy of the evidence used to make a decision. I spoke with XXXX XXXX and they reiterated that they can see on their end that the XXXX ID and email that were used when these unauthorized orders were placed were different than than what they have on file for me. They also reiterated that XXXX package was delivered to a different address, and there was an attempt to change the address of the XXXX that ultimately arrived at my home. XXXX stated that the evidence shows that I did NOT authorize charges. XXXX also stated that she could see that the process to generate a return label was started on XX/XX/XXXX, so she will complete process so that return label will be generated and sent to my email.
I feel like I am speaking to a brick wall, as Apple Card Goldman Sachs Bank USA does not appear to be interested in performing a legitimate investigation. I am the victim and this company is victimizing me all over again even though I have done everything in my power to assist them in retrieving their property and locating the perpetrator.
|
| 03/28/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
In XXXX I created a Marcus by Goldman Sachs. Over the years I have made dozens of deposits and withdrawals on the account. I have maintained the same email address since opening the account, and updated my phone number on the account on XX/XX/XXXX of XXXX, when my new cell provider could not carry over my new number. I updated my home address when I moved to my new home in XXXX of last year, however I also still own the prior address. But none of these changes caused an issue.
This year on XX/XX/XXXX I made two deposits of {$5000.00} from my XXXX XXXX, and XXXX accounts to Marcus by Goldman Sachs. On XX/XX/XXXX I again made two {$5000.00} deposits from XXXX XXXX and XXXX. On XX/XX/XXXX I also made a withdrawal of {$1000.00} to my XXXX XXXX by XXXX XXXX account that was cleared. All of these accounts are in my name, and my name alone, and I was the one who linked them as external transfers. On XX/XX/XXXX, I attempted to make another withdrawal to XXXX XXXX, but then without warning on XX/XX/XXXX when I tried to log in to my account I was informed my account was locked, and that withdrawal never made it to XXXX XXXX.
I have recordings of every phone call I made totaling over 3 hours of time. The first phone call lasted 18 minutes and 25 seconds, and I was told by " XXXX '' that I would get a call back in 2 minutes to sort the account. But that was a lie because that call never came, so I called back again, and the customer service hung up on me saying they couldn't hear. Then the next one lasted 1 hour, 5 minutes and 15 seconds. One of the representatives on this call kept telling me that he could only send me a pin to my old phone number that was removed from the account on XX/XX/XXXX of XXXX or 2 year prior. All of the calls have gone in circles like this over the last week.
I have spent hours trying to regain access to my account and I am still locked out from over {$19000.00} of my money and nobody will provide me with any answers of why or what happened to cause this. I've offered every possible means of verifying my identity through video call, email, phone, home address... I offered to upload my IDs, drivers license, DoD ID, passport, DD214... but they said the only way is to mail a notarized affidavit of identity, so I immediately printed it out on the XXXX, filled it out, and paid for a notary and mailed it from XXXX, Georgia to their po box they gave me in XXXX on the same day. This should take maybe 2 to 3 days to get to the destination.
That was 7 days ago, and I called again today and they still have not received it and will not answer my questions. Now a letter with my most sensitive information is out there, and I can only hope that it does not end up in the wrong hands or I will truly have a identity crisis. And over {$19000.00} of my money is stuck in this account, and nobody will tell me why.
I reached out to the only email I could find and was told they could not help and to call the same number that is not providing any information.
I have dozens of different bank accounts, and have been banking for over 2 decades. I have even served in the military and obtained a security clearance handling classified documents ... and never once in my life have I been told to mail in a notarized affidavit of identity or ever heard of one.
This is the year XXXX, and this multi billion dollar bank relies on physical mail to a po box as their only way of identifying a 5 year customer. Then there is the fact that there was no reason warranted for locking my account in the first place. This is the worst experience I have ever had with a company in my life.
|
| 10/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
Dear Sir/Madam, I am writing to file a formal complaint against Goldman Sachs and Apple Credit Card , for practices that I believe to be unjust, potentially deceptive, and in violation of our agreed-upon contract terms. The transactions posted to the account on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Initially I opened the disputes on XX/XX/2023, and XX/XX/2023.
I agreed with XXXX for the development of a custom-coded website and related services. The issues began with what I perceive to be an unreasonable charge of 18 billable hours for a simple monogram design, a figure that is grossly inconsistent with industry standards.
Moreover, the project, which caused a phased approach, encountered insurmountable hurdles when the merchant refused to implement specific feature requests. These features were not only integral to the project 's success, but were also services that the merchant explicitly advertised. Their refusal effectively rendered the contract void, as the services promised were not delivered.
Despite numerous attempts to resolve these issues through Goldman Sachs, the responses have been unsatisfactory and, from my standpoint, display a clear bias towards the merchant. My concerns seem to be dismissed without a thorough investigation, and the evidence I've presented has been, in my view, largely ignored.
I've meticulously reviewed the evidence provided by the merchant, and I'm baffled by the conclusions drawn by Apple Credit Card Services. Here 's where things don't add up : 1. Yes, there was a contract, which isn't in dispute. However, the crux of the matter is the merchant 's failure to fulfill their contractual obligations. They've produced no solid proof that the website was fully developed to the agreed specifications, nor is there any indication that I gave my stamp of approval on a completed site.
2. The merchant did provide evidence of my initial approval of the logo and the website 's preliminary design. However, this in no way justifies billing XXXX XXXX of the hours for merely XXXX XXXX of the entire scope of work. The math just doesnt work out.
3. The most glaring issue, which both the merchant and Apple Card Services have chosen to overlook repeatedly, is the absolute lack of custom coding involved in the website 's creation. The merchant 's advertising explicitly included custom coding in the package I purchased. This omission is not a minor oversight ; it's a fundamental breach of contract. Yet, this critical point is being willfully ignored, resulting in the merchant being unjustly rewarded with their transaction fees, while I'm left grappling with unwarranted charges.
This situation doesn't just raise a red flag ; it's a glaring signal of a process that has, in my view, gone seriously awry. The merchant 's failure to deliver on key contract elements and the subsequent financial implications for me are concerns that I believe warrant immediate and thorough review.
I have enclosed all relevant documentation, including the original contract, email correspondence, and promotional materials from the merchant that clearly state the inclusion of custom coding services.
I respectfully request the CFPB to comprehensively review this matter and to consider possible violations of consumer protection laws. Furthermore, I seek guidance on how to proceed with this issue, as traditional resolution avenues have proven to be ineffective.
I appreciate your prompt attention to this serious matter and look forward to the opportunity to discuss this further. Please contact me.
Thank you for your time and assistance.
Sincerely, XXXX XXXX
|
| 05/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Opened account with Marcus by Goldman Sachs on XX/XX/XXXX.
They offered a {$100.00} deposit for depositing {$10000.00} within a 10 day deposit window ( current balance, which was starting at {$0.00}, plus $ XXXX must remain in the account for 90 days. The deposit window closed XX/XX/XXXX.
On XX/XX/XXXX the account balance was {$10000.00} which included {$9.00} in interest ).
Next deposit was XXXX XXXX, 13 days after the " funding period '' had closed.
Some smaller withdrawls were made, but the account balance NEVER dropped below {$10000.00}.
Several calls were made and several tickets opened with Marcus.
Every time we were put on hold and told that the money should be in there soon and we met the requirements.
Phone call XX/XX/XXXX Online Chat XX/XX/XXXX Tickets opened : XXXX, XXXX Was told by " XXXX '' on XX/XX/XXXX that all previous tickets and calls had been " closed without any notes ''.
Were told on the XXXX that the money should be in our account XX/XX/XXXX.
Full terms of the promotion : Offer valid from XX/XX/XXXX to XX/XX/XXXX ( the Offer Period ).
To qualify for the {$100.00} Cash Bonus ( the Offer ), you must enroll a Marcus Online Savings Account ( Account ) in this Offer at https : //www.marcus.comXXXX or by calling Marcus at XXXX ( XXXX ) by XXXX XXXX ET on XX/XX/XXXX. Upon successful enrollment, you will receive a confirmation of your enrollment via email or U.S. mail.
After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Account within 10 calendar days of enrollment ( the Funding Period ). The Account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ) must be maintained in your Account for 90 consecutive days from the end of the Funding Period. The Account balance is based on the starting current balance reflected on your account at XXXX XXXX ET the day you enroll. Once the Funding Period has ended, your Account balance may not drop below the Required Dollar Amount at any point until after the 90 consecutive days have passed. You may make multiple deposits within the Funding Period to reach the Required Dollar Amount. Internal transfers do not count for purposes of this Offer.
If you choose to enroll a different Marcus Online Savings Account in this Offer, you must deposit {$10000.00} or more in new funds from an external account into the newly enrolled Account within 10 calendar days of enrollment in this Offer, even if you reached the Required Dollar Amount in a previously enrolled account.
The {$100.00} bonus will be deposited into your enrolled Account within 14 calendar days after fulfilling the above requirements. To receive your bonus, your Account must be open and in good standing at the time the bonus is deposited in your Account. The bonus will be treated as interest for tax reporting purposes.
Offer available to new and existing customers. Each customer is limited to one cash bonus under this Offer. This Offer can only be applied once to an account. If an Account has multiple owners, the Account is limited to being enrolled for this Offer under only one of the Account owners and receiving only one cash bonus. Remaining Account owners may be eligible to use another eligible Account to enroll in this Offer. This Offer may be combined with other promotional offers available to Marcus Online Savings Account customers.
We reserve the right to modify or revoke this Offer at any time without notice. If we determine that you have engaged in or plan to engage in abuse or gaming in connection with this Offer, you will not be eligible for this Offer.
|
| 03/03/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XXXX XXXX, 2023 I contacted Goldman Sachs to initiate a wire transfer for the purchase of my new home. I spoke with XXXX and provided wire instructions for funds in the amount of {$170000.00}. I was told by XXXX the wire would be received by the recipient same day.
On XX/XX/XXXX I contacted Goldman Sachs to request a trace of the wire as it had not been received.The representative with whom I spoke with stated the wire had not been initiated because the original call was dropped ( our call had been dropped however, XXXX did phone me right back ). I provided wire instruction again to a supervisor only to be told that they would not wire to a third party and I could only wire to myself or an escrow company. She did offer me to transfer my funds to my linked XXXX XXXX account however, that could take up to 3 days.
Since this was for a new home purchase, I decided to request another wire to my XXXX XXXX account which I requested the morning of XX/XX/XXXX. The representative to whom I spoke with that morning was XXXX. I provided her with very specific wire instructions that were provided to me by XXXX XXXX. XXXX confirmed these instructions with me 3 times and assured me the wire would be sent and received by end of day XX/XX/XXXX. At the end of the day, my funds were not received so I called back and spoke with a supervisor that informed me a wire was never initiated. She stated she could do a transfer to my linked account and offered to expedite it. Stressed and concerned, I told her I was not comfortable with that until I spoke with a representative with XXXX XXXX to confirm this was a viable option. I called XXXX XXXX and spoke with an agent that said that is a good option however, it may take up to 3 days to be able to tranfer out once funds were received.
I then called XXXX XXXX on the evening of XX/XX/2023 and spoke with a supervisor name XXXX. XXXX told me that he could not expedite a transfer to my linked account and that additional verifications were going to be required but could not tell me what those verifications were. I then requested all of my funds ( {$250000.00} ) be transferred to my linked account and to please close my account as i was no longer confident I could ever get my money out of my account. I was on the phone with XXXX over an hour and asked that he please confirm the request to transfer my funds which he confirmed.
This morning, my funds were still in my Goldman Sachs account so I called Goldman Sachs to confirm the transfer was initiated and was told by that representative that he had not.
I am at my wits end and terrified I can not get my life savings out of this bank. My purchase is being held up.
I did go online and request a transfer online however, I am limited to {$120000.00} so multiple requests will need to be made all taking XXXX days. I am not confident my funds will be transferred as I have read many complaints since all of this, that many people are experiencing similar issues with their accounts being locked or closed with funds still in their accounts and no way to get them out.
They have also experienced the same customer service issues as I have with no one to speak with that has authority and no one seems to have any information on transactions or why they are not being done.
each time I have asked for a confirmation number in which I am told that are none but to be assured the request was made. However, they are not being done.
I need assistance with withdrawing my funds so I can purchase my home before I lose it. All of my savings are held with Goldman Sachs so I have no ability to withdraw.
|
| 08/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
In XXXX of XXXX we, XXXX XXXX and I, XXXX XXXX, loaned XXXX XXXX dollars to XXXX XXXX and took back a second deed of trust on his house at XXXX XXXX XXXX in XXXX Nevada as XXXX. He made a couple of payments and then stopped paying his payments to us. We tried to work with him but he refused to pay any further and filed for bankruptcy. After several years of fighting in court with lawyer fees and lost time and interest, we were finally given a deed after the foreclosure sale on the second deed on XXXX XXXX, XXXX. We immediately contacted XXXX XXXX Bank to get a payoff figure so we could sell the house to recoup our retirement moneys. XXXX of the bankers told us that the figure should be about {$200000.00} dollars, but he could n't handle our situation, and referred us to other bankers who did n't help. The bank would not talk with us and just kept dragging it out month after month until finally XXXX of them told us that XXXX XXXX XXXX owned the note. They apparently bought it from XXXX as a Non Performing Loan for a fraction of the out standing balance, even though we were willing to pay off the whole balance due, well before XXXX sold it. We finally made contact with XXXX, XXXX XXXX XXXX, ( and XXXX XXXX XXXX, who never got back to me as promised ), and made an offer based on what we had heard for XXXX about the amount of the balance owed. XXXX now wanted us to send certification of funds with our offer. This ties up our moneys as they would wait for weeks each time to " hear from the investors '' about our offers. It has now been almost a year and a half they are still adding fees and interest and having us up our offer, they now say that the payoff is around {$290000.00}. This seems unfair. We feel like they are taking advantage of us because we are both seniors and not up on the most recent banking tactics and strategies.
So we discovered how banks sell the NPLs to private investors who make huge profits at the foreclosure sales. We discovered that XXXX had actually sold the note to another bank while going through other questionable corporations. XXXX of the private LLCs was actually wholly own by the XXXX XXXX Bank. Then we discovered that RLM was actually the Attorney for XXXX. It all starts to look fishy and banks seem to be colluding get these homes. In this process we discovered that after we notified XXXX that we wanted to pay off the First Loan on XXXX XXXX XXXX XXXX, they quickly sold the note to XXXX XXXX XXXX on XXXX XXXX, XXXX. Why the rush to sell this note when we were trying to pay it off. Then we discovered that XXXX had sold the same note to MTGLQ Investors, L.P. on XXXX XXXX, XXXX, over a month before they actually owned it. They tried to hide this problem by recording the deeds out of order, but the Execution Dates are clear on XXXX deeds. MTGLO is apparently owned by Goldman Sachs Bank. There have been lawsuits with these banks for not having the loan documents handled correctly. So, what are a couple of senior citizens supposed to do against the power of the big banks, especially when there are shady practices going on with these documents?
We do n't mind the banks making a rightful and legal profit. But this seems to be an illegal practice to squeeze out an excessive and unfair profit by not dealing in good faith and adding interest and fees continuously, long after we had tried to pay off the original note, on XXXX XXXX, XXXX.
This time I have named names and I will enclose the documents I mentioned above. I hope this what you need to help us correct this situation. Thank you for caring about seniors.
|
| 08/03/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
Good day, I appreciate all of the help that your agency has provided to me but unfortunately a bank that you regulate lied to you in order to get my complaint against them closed.
This is in reference to complaint # XXXX Marcus bank stated to you on XX/XX/23 that they were closing the account in question and transferring the funds to the original funding account which was exactly what I wished for them to do. Unfortunately they did not follow through. Instead, on XX/XX/23, over a month later they closed the account and kept the funds!!!!!!!!! Since that time period I have repeatedly called them and have been told multiple lies by their representatives. It is one thing for a bank to lie to me, a XXXX XXXX XXXX male ( financial abuse of the elderly ) but it is a whole other level for them to lie to their regulator, the CFPB. Because XXXXarcus bank lied to you and did not fulfill their obligation when requesting that you close the complaint I am requesting that you re-open the complaint and use your enforcement power to make Marcus bank do the right thing and return the funds as they told you that they would. Now let 's move on to new material.
The first representative that I spoke to at Marcus after the account was closed confirmed that it was closed but stated that she had no idea where the funds went but she would talk to her manager and have him call me back. He never called back.
The next representative that I spoke to at Marcus bank told me that I need to call XXXX XXXXXXXX XXXX the source of the funds, and have them pull the funds back. As ridiculous as that sounds I nonetheless called them and as expected they laughed about it. They suggested that I file a police report and would also investigate on their own. They then mailed me a response, see attached, which stated that because I am authorized to use mom 's checking account, per the same power of attorney that Marcus rejects, it was an authorized transaction on my part sending the funds to Marcus and thus they are closing the case. I then called Marcus bank again to give them one more chance before filing a police report and this time they came up with a new lie to tell me. This time they stated, although admitting to still have the XXXX XXXX account information, that they sent the funds to the XXXX XXXX XXXX XXXX XXXX. I contacted them and they confirmed that this too was a lie, see attached. Next I spoke to a representative at Marcus named XXXX who was kind enough to give me her direct number XXXX and she informed me that if I want the funds back I would now need a court order to do so. I refuse to pay out of my pocket for a lawyer and court costs for this rogue bank to act like a responsible bank should do.
There is currently a complaint filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigators name XXXX XXXX XXXX telephone # XXXX pertaining to this matter but as the banks regulator it is up to you to use your powers to have this XXXX XXXX Marcus return the funds. Because they closed the account on XX/XX/23 that also means that they are not paying the interest that would have accrued during all of these months that they have held the funds XXXX if they even know where the money currently is.
The Federal Reserve Consumer Help Center told me that if you can not rein in Marcus bank 's misdeed that I should forward this complaint to my congressman and senator and provided me links to do so. I would prefer to not go that route and instead end this 8 month ordeal with your assistance. Thank you for your assistance in this matter.
|
| 07/23/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I issued a complaint to the Federal Reserve about this matter and they requested I submit the complaint with this agency.
I am writing to express my deep concern and frustration regarding the recent issues I have been facing with my Apple Card account. Over the last month, I have noticed mysterious charges appearing on my balance repeatedly. Each time I call to address the problem, the charges are credited, but to my dismay, they reoccur again later. A formal inquiry has been lodged with the Apple Card dispute department, and I have been informed that the matter should be resolved by Monday, XX/XX/XXXX.
However, my primary concern lies with the accuracy and clarity of the Apple Card Credit Card Statements. I only discovered statement issues when I decided to investigate these mysterious charges further by reviewing the statements. Allow me to outline the transactions that led up to the issues : 1. On XX/XX/XXXX, an unauthorized charge of {$2.00} was made by Apple XXXX without my consent.
2. On XX/XX/XXXX, the XXXX Statement was published, including the {$2.00} charge. As I was unaware of this charge, I did not make the payment.
3. On XX/XX/XXXX, the {$2.00} charge accrued {$0.00} in interest.
4. On XX/XX/XXXX, my XXXX notified me of my Apple Card Account being past due, prompting me to dispute the XX/XX/XXXX charge.
5. On XX/XX/XXXX, I made a purchase of two XXXX totaling {$970.00} from Apple using the Apple Card, opting for a XXXX-month installment plan with 0 % APR.
6. On XX/XX/XXXX, I discovered that the tax for the XXXX was not part of the installment plan and was instead placed on the APR Balance with a variable APR.
7. I subsequently set up my bank to pay XXXX installments of {$81.00} each month ( XXXX ).
8. On XX/XX/XXXX, my bank paid Apple Card {$81.00}, resulting in interest charges for the tax on the XXXX as it was not included in the installments.
9. On XX/XX/XXXX, the Apple Card XXXX Statement was published, and my XXXX received a notification that my account was past due.
10. On XXXX/XXXX/XXXX, I paid the APR balance of {$81.00}, and Apple Card credited the interest. However, both the Apple Card Specialist and I believed that only {$81.00} was owed.
The main issues I have encountered with the statements are as follows : 1. XXXX Statement : The statement appears to show an APR balance of {$81.00}, but it is actually {$84.00}. The statement should begin with the XXXX APR Balance, with subsequent transactions calculated accordingly, and the last line reflecting the XXXX APR balance.
2. XXXX and XXXX Statements : These statements are very confusing and lack transparency in several areas : a ) Payments are posted to the statement, but it is unclear how much of the payments are applied to the APR balance. b ) The 0 % monthly installment calculation is not clearly presented on the statements. c ) Similar to the XXXX statement, the XXXX and XXXX statements suffer from inaccuracies in the " Balance Subject to Interest '' section, which hinders a clear understanding of the account status.
It is my belief that if Apple Card provided more transparent and comprehensible statements, such issues could be quickly identified and addressed. In light of these difficulties, I have included the statements from XX/XX/XXXX to XX/XX/XXXX for your review.
I kindly request a prompt resolution to these matters and that necessary steps be taken to ensure the accuracy and clarity of future statements. Your cooperation in resolving these concerns would be greatly appreciated.
Thank you for your attention to this matter.
|
| 08/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
RE : APPLE CARD XXXX You are hereby ordered to CEASE AND DESIST all actions! You are hereby in RECEIPT OF NOTICE under the Fair Debt Collections Practices Act, RCW 62A.3, RCW 19.16 and 19.86 regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER.
In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT your demand for payment in the above-named matter upon your complete and total fulfillment of the following conditions : Condition:1. A Notarized copy of the ORIGINAL WET INK SIGNED CONTRACT and all other supporting documentation that give rise to and lawfully support the alleged obligations your Company now claims is owed.
Condition 2 : Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt.
Condition 3 : Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt.
Condition 4 : Provide verifiable proof that any actual money was ever created or loaned to me by Your company, and not mere bookkeeping entries that were made in an attempt to establish the alleged obligation or debt, and in which case, this entire matter would constitute fraud on your part.
You have twenty-one ( 21 ) days from receipt of this Conditional Acceptance to respond on a point-by- point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain. Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, will constitute your stipulation that I have no duty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection.
Be advised that notice to any agent in your firm or under your employ regarding this Conditional Offer of Acceptance is considered notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by your company to secure payment with a Writ of Garnishment, before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of {$75000.00} USD, payable to XXXX XXXX as compensating damages. Signed from without the United States in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC 1-207 and RCW 62A.1-207. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
|
| 07/26/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I linked a new external bank account with my Marcus Online Savings account in order to do a transfer ( or Wire ). My external bank account was opened with XXXX XXXX over the weekend and I was attempting to fund it with a portion of the available balance in my Marcus account. I scheduled a wire at XXXX XXXX est on Monday, XX/XX/XXXX and the money did not go. I called back in at XXXX and Marcus told me the reason they did not send it is because they couldn't verify that the receiving account had my name listed as one of the owners, despite it being linked. They stated that they tried to contact XXXX XXXX at their two different numbers at two points during the day and was unable to reach a representative.
I called XXXX XXXX at XXXX XX/XX/23 to see what the issue was and they confirmed that, while busy, they were available from XXXX est time through XXXX XXXX est, so there shouldn't have been a reason for them not to reach someone. They did also confirm that they would not verify account ownership via voice call as part of their fraud policy and that verifying named ownership of an account is not a requirement for receipt of a wire as long as the routing and account number is correct. I called XXXX back directly after the conversation with XXXX XXXX and got the run around from several of their employees, stating the verification of ownership name on an account is a Marcus requirement and that they will not verify the information any other way than to verbally do so via phone call with that bank, and if the bank will not verify the information via phone then they will not approve the Wire or a transfer of funds ( which are the only two methods of moving money out of Marcus, which they advertise ). They stated that if I wanted to move funds to one of my other " linked and verified accounts '' that the funds should go same day and there wouldn't be an issue since the ownership ( name on the account ) had been verified already and the account ( s ) at XXXX or XXXX had been used for several transfers and wires in and out of the account before. I asked them to transfer the available balance of my online savings back to my XXXX account at XXXX XXXX est XX/XX/23, meaning the funds should be available in my XXXX account same day.
They never processed the wire and it is still sitting there as of this morning. For some reason, they are holding my funds, and preventing me from withdrawing them. I have spoken to several Supervisors, none of which are helpful and just continue to tell me they are sorry I feel a certain way about the situation or that they are sorry for the inconvenience but there isnt anything they can do. Several of their representatives have hung up on me this week while trying to get details about what is going on and why. I have not yelled, cussed, though am clearly frustrated in tone and demeanor since I can not get viable answers to my questions and they seem to be making up their own rules as they go. I am now half a week in with no access to my money, which I need to move to a new bank and their refusal to assist is a huge red flag. I have never had a returned item on my account, XXXX negative history, returned deposit items, etc. I maintain about half a XXXX dollars in monies with them between multiple accounts, all of which are in good standing, so to have this much trouble transferring funds out seems like a larger issue all around. Consumers should not have to go through this many hoops in order to access liquid funds in a savings account from a financial institution.
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| 10/10/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I noticed an account on my credit reports from a company called APPLECARD-GS BANK USA that I had no business relationship with. APPLECARD-GS BANK USA was attempting to collect on a an alleged debt in the amount of {$540.00}. I have had my identity stolen and sent APPLECARD-GS BANK USA a letter via certified mail XX/XX/ notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent APPLECARD-GS BANK USA account with the credit bureaus. APPLECARD-GS BANK USA however continued reporting this fraudulent APPLECARD-GS BANK USA account with the credit bureaus. XX/XX/ I noticed APPLECARD-GS BANK USA still reporting this fraudulent APPLECARD-GS BANK USA account with the credit bureaus. I then sent APPLECARD-GS BANK USA a DEBT VALIDATION LETTER via certified mail XX/XX/ requesting the agreement between APPLECARD-GS BANK USA and myself and the original application for the account. APPLECARD-GS BANK USA violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) APPLECARD-GS BANK USA was required to cease collection efforts until the alleged debt was validated but failed to do so. APPLECARD-GS BANK USA continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent APPLECARD-GS BANK USA account XX/XX/ on my credit reports. I then sent APPLECARD-GS BANK USA a FAILURE TO RESPOND letter via mail XX/XX/. APPLECARD-GS BANK USA violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. APPLECARD-GS BANK USA violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. APPLECARD-GS BANK USA violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) APPLECARD-GS BANK USA was required to cease collection efforts until the alleged debt was validated but failed to do so. APPLECARD-GS BANK USA continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, APPLECARD-GS BANK USA FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail September 1, 2023. APPLECARD-GS BANK USA violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent APPLECARD-GS BANK USA account XX/XX/ on my credit reports and it is still there as of this filing.
|
| 02/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American |
|
It has not been 30 days and Goldman Sachs Bank, XXXX XXXX XXXX XXXX, issuer of the My GM Rewards Card is sending me harassing letters. May I refresh Goldman Sachs, Goldman Sachs, GM, Marcus, Goldman Sachs Bank USA XXXX XXXX and all other associates of Goldman Sachs made the following statement noted XX/XX/2023 : The Bank will cease all communication with the Customer except those legally required or requested by the Customer as of XX/XX/2023. Per the Customers request, a balance letter was mailed to the Customer on XX/XX/2023, stating the account is closed and at a XXXX balance. Based on the above details, we kindly request this complaint be closed.
DESCRIPTION OF NON-MONETARY RELIEF The Bank will cease all communication with the Customer except those legally required or requested by the Customer as of XX/XX/2023.
I am, therefore, filing another complaint to request someone inform the Goldman Sachs Bank, XXXX XXXX XXXX XXXX, issuer of the My GM Rewards Card to cease and desist all communications with me and further remove my name and all addresses from their database. I do not have an account with them, and I do not care to receive any correspondence from them or anyone associated with Goldman Sachs at any location. I will never buy a XXXX XXXX product and I will never use a credit card from GM or Goldman Sachs. You are now harassing me through the use of the XXXX XXXX Postal Service. I have not requested any communication with Goldman Sachs Bank, XXXX XXXX XXXX XXXX, issuer of the My GM Rewards Card or Goldman Sachs, Goldman Sachs, GM, Marcus, Goldman Sachs Bank XXXX XXXX XXXX and all other associates of Goldman Sachs XXXX So why are you sending me letters. I do not want any information about anything Goldman Sachs deals with. I thought Goldman Sachs Bank, XXXX XXXX XXXX XXXX, issuer of the My GM Rewards Card or Goldman Sachs, Goldman Sachs, GM, Marcus, Goldman Sachs Bank XXXX XXXX XXXX and all other associates of Goldman Sachs wanted to close my complaints? Once again, the Headquarters offices in New York, Goldman Sachs Bank, XXXX XXXX XXXX XXXX, issuer of the My GM Rewards Card or Goldman Sachs, Goldman Sachs, GM, Marcus, Goldman Sachs Bank XXXX XXXX XXXX and all other associates of Goldman Sachs need inform all offices to stop corresponding through any and all forms of communications with me. Once again request Goldman Sachs Bank, XXXX XXXX XXXX XXXX, issuer of the My GM Rewards Card or Goldman Sachs, Goldman Sachs, GM, Marcus, Goldman Sachs Bank XXXX XXXX XXXX and all other associates of Goldman Sachs show the Goldman Sachs Bank XXXX XXXX XXXX XXXX XXXX how the cease and desist process works and to not keep sending correspondence to someone who did not ask for and does not want any communication with Goldman Sachs XXXX I further request someone with Goldman Sachs Bank, XXXX XXXX XXXX XXXX, issuer of the My GM Rewards Card or Goldman Sachs, Goldman Sachs, GM, Marcus, Goldman Sachs Bank XXXX XXXX XXXX and all other associates of Goldman Sachs provide instructions to the Goldman Sachs Bank XXXX XXXX XXXX XXXX XXXX on how to delete a persons name from your database when that person no longer has an account or a card. Once again, I will never buy a XXXX XXXX product and I will never use a XXXX XXXX card. But most of all I will never associate with Goldman Sachs Bank, XXXX XXXX XXXX XXXX, issuer of the My GM Rewards Card or Goldman Sachs, Goldman Sachs, GM, Marcus, Goldman Sachs Bank XXXX XXXX XXXX and all other associates of Goldman Sachs XXXX Goodbye!
|
| 11/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
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I am disputing information on my credit report and requesting that the credit file from the Goldman Sachs Bank/Apple Card be removed from my credit report and that my credit rating be restored.
The Goldman Sachs Bank/Apple Card account ends in XXXX.
The amount currently owed is {$6900.00}.
The address associated with this account, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, is not my address, has never been my address, and I never requested it be changed.
The charges incurred on that card were not charges I made or authorized. I obtained the above information from my credit report.
Ive called Goldman Sachs bank many times, reported the incident and they have never corresponded with me regarding the charges that were made. I dont even have the account number for that account. Ive told them that I can not even access the account via their bank because the Apple Card account that it was opened under no longer exists. XXXX closed the account associated with the email address of XXXX because I reported the incident and that was the only way they could respond to the identity theft report I made to them.
On XX/XX/2021, while I was at work, I was the victim of a banking scam. There were charges coming through as texts messages via my phone. I kept answering NO to the texts so as to not approve them. Then I received another line of texts from someone stating they were with Apple Card Support and that they were trying to assist me with the charge attempts to my account and to call the phone number included with the text.
Once I called the number, the man on the phone ( I think he told me his name was XXXX XXXX XXXX told me that we had to act fast because it appeared whomever was attempting to make the charges also had information to access some of my other accounts. During this time I also got a second call from XXXX, my phone carrier, and they were asking for my PIN number so that they could cancel my account. I told them I did not want to cancel my account and that they needed verify my identity. I told the person from XXXX that I would have to call him back because I was dealing with another situation.
Then another line of texts kept coming through attempting to make charges to my account. The man who said he was from Apple Card XXXX again stated that we needed to act fast and the he could clear everything up if I gave him my XXXX account password. And I gave him the password. After that, I lost control of my XXXX account under the email address of XXXX Later that evening, while I was at XXXX, I lost my phone. When I tried to order another phone because I could not locate it on Find My XXXX app, I was informed I would have to go to the Apple store. When I got to the Apple store I told the young man who waited on me what was going on and he told me he that that had happened to him as well, but that it was a scam and when I tried to login my account at the XXXX store the password had been changed and could not access it.
The only thing that I could do was to file a claim for my lost phone and that I would have to wait three business days to get another phone. The XXXX person suggested that I go to my bank to check on my accounts. And when I did check in with my bank, I learned that they manage to withdraw approximately {$6000.00} from my account. I had to use a credit card to buy a temporary phone and open another apple account. My bank locked my accounts and assisted me in changing all of the account numbers and secured my accounts back to me.
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| 02/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
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On XX/XX/XXXX, I called Goldman Sachs to inquire about the 13 month payment plan because I had purchased a XXXX and an XXXX, but I was not given the choice to pay it off within 12 months interest free. During the call the agent stated that she setup the arrangement, but when I explained that I saw a credit for over {$2800.00} she replied by saying it would disappear once it was updated in the system.
On approximately XX/XX/XXXX, I called Goldman Sachs to inquire about a $ XXXX credit on my account.
I had been attempting to make a payment, but my app stated that no payment was due. I spent close to " 2 HOURS '' on the phone with Goldman Sachs. The first agent was completely clueless, he was making all sorts of noises on the phone and cold transferred me to another agent.
She attempted to assist me, but has no idea as to what transpired with my account. I requested to speak with a XXXX, but y XXXX she was communicating with opted to have her relay information to me third party than to assist me themselves. After a little over an hour into the call I was transferred, but the person I spoke with was adamant that " NOTHING '' could be done for me & stated they once the XXXX payment plan was placed on an account there was no way to reverse it and the payments would be deducted from the credit monthly. I explained that his logic did not make any sense and no other company did that. He basically stated that I could not pay anything towards the remaining balance because o had a payment plan. I asked him to apply the credit towards the XXXX and that was also declined. This angered me because XXXX clearly knew that the agent I spoke with had no clue as to what he was saying because he made no sense. I asked him who was the regulator for Goldman Sachs and he could not answer that either.
I opted to inquire about the payments because I am assisting my sister who is recovering from her XXXX XXXX within 15 months and her son had senior obligations I have been assisting with because her income is limited.
On XX/XX/XXXX at XXXX I received a call at my place of employment. I asked them to call me back in an hour ; however, it was closer to XXXX hours.
At XXXX an agent called me and I explained that I had returned to work and had a limited time to speak. During that call he mentioned that an error has occurred on my account and explained that he would submit a request to have it resolved. Ironically, the resolution was what I suggested during a XXXX call with customer service the prior week. What is ironic about this is I pleaded to have this matter resolved, but no one listened to me. I have since received notification from XXXX explaining that the balance on my Apple Card increased by {$2700.00} and my score DECREASED by XXXX points and this is beginning to sound like a UDAAP violation.
This was not only an Unfair practice, it was also Deceptive and Abusive.
I need it resolved immediately and I would like compensation for the unnecessary time spent on the phone as well as compensation for the negative impact on my credit utilization and score.
On XX/XX/XXXX, I received another call stating that my request was still being worked on. I asked her if that was the reason for the call and she replied, yes. I can not make a payment as of XX/XX/XXXX. The balance on my APP is showing a credit of {$2500.00}. It decreases with every purchase. This credit should be applied to my actual balance, but no one seems to know how to rectify this issue.
|
| 07/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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From XX/XX/2023 through XX/XX/2023, unauthorized purchases were made from the account of a minor. The amounts equaled over {$13000.00}. The XXXX phone removed the ask for permission for purchases when my son turned XXXX on XX/XX/XXXX. 2023. This was done without my consent, as prior settings were set to be approved by myself on my adult account. There were no payment methods listed on the minor account. When speaking to the XXXX representative, I was informed that once a person turns XXXX, the setting has to be manually changed back. This was never discussed with me aside from the note of that when a child is XXXX they get a teen account and can make purchases. What is frustrating is that there is no notification of the account being changed to Teen status and is ultimately done without consent of the adult holding the account. The Apple credit card allowed multiple charges over 50 different charges totaling up to {$13000.00} without it signaling any type of suspicious activity nor notifying the adult. The XXXX ID that made the purchases is noted as a XXXX year old and is not listed as an authorized user on the Apple Credit card.
The Apple credit card also allowed the charges to exceed the credit charge limit of {$12000.00}. It is disappointing that a card would let another account just use the credit card and not notice that it was a minor and that the account making the purchases did not make any purchases prior to XXXX. One day, there were multiple charges about 10 total for the amount {$220.00}. The only reason it was ever flagged was because it was over the spend limit of {$120000.00}.
This setting on XXXX, should not be automatically changed without a parents consent. It should remain a child setting until the parent does the change themselves. My son also is XXXX but has a learning XXXX and receives accommodations through the State of Wisconsin for reading and comprehension and per him, he thought it was free because it did not ask for permission from a parent.
XXXX has been okay with communicating but it is a lot of back and forth between XXXX and the credit card, despite the credit card being an Apple Credit card.
Something needs to be addressed for this account issue and some safety and security plans in set. To allow a minor to accumulate that many charges and no notification from XXXX or communications regarding concerns.
Current communications with XXXX have denies 107 unauthorized purchases. Unfortunately, the app on the phone itself, is based in XXXX which limits the communications with that specific entity. The app is XXXX XXXX XXXX. I did file a complaint with the Wisconsin Department of Agriculture, Trade, and Consumer Protection. I do understand a parent being responsible but as being a parent of a XXXX year old as well, I do make sure I am careful with my phone as I have been an XXXX user since the first XXXX came around.
I spoke with XXXX Manager on Thursday, XX/XX/2023 who said all charges were removed and the next day XXXX 2023 the supervisor said the manager there does not know anything about charges and that I owe them money. Currently, they said I need to make payments or pay interest. My son is not an authorized user nor is there any cards attached to his phone. Unfortunately, they can not provide a detailed summary of the charges and only sent me 149 emails of the transactions. I can forward all those emails but like I said that is alot.
I appreciate your assistance with this situation.
|
| 03/21/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
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The following complaint is regarding an error made by Marcus by Goldman Sachs when I initiated an ACH transfer of funds from my Marcus savings account to an external bank. As a result of Marcus ' error, disorganized customer service, and lack of response, I have incurred monetary losses.
I initiated a transfer of funds in the amount of {$1000.00} from my Marcus savings account to an external bank linked to my online account with Marcus. The transaction posted on XX/XX/2023. Over the next couple of days each time I logged into my Marcus account, the information provided showed the transfer had been initiated and the funds had been withdrawn from my Marcus account On the third day, I checked both accounts and saw the funds had not been deposited into my external bank account as promised by Marcus.
I called the customer service team and spoke with an agent who told me the transfer had been canceled. I requested an explanation and told him that the online information on my account verified the transfer was in progress. He became nervous and hung up. I called back and repeated my story to another agent who provided conflicting and false information. She said the transfer was not canceled and the funds were withdrawn from my Marcus account and shoiuld have been received I called the other bank and repeated the story to the agent who transferred my call to her manager for help. I repeated the story to the manager and she said there was no record of a recent transfer from Marcus. I called Marcus again and spoke with a manager. I repeated the story and when the manager viewed the notes related to the transfer, he said the notes were confusing. He said he had never seen this type of error before. He said the transfer had been canceled by Marcus but he didn't know why it was canceled. He admitted it was Marcus '' error and offered to have the funds wired into my external bank account. However, by this time five hours had elapsed from my first call to Marcus and the funds could not be wired the same day. The manager said he would have the customer care team research this matter and contact me within 10 business days. When the customer care associate contacted me, they left a voicemail instructing me to call Marcus ' general customer service number and said anyone could help. I returned the call and spoke with an agent who could onlly address general questions. She informed me that the customer care team determined the transfer was canceled due to confusion. That was the entire explanation. No details about why they were confused. When I spoke with her supervisor and requested monetary relief, she implied the error was caused by me but did not provide an explanation.
I was told a resolution team member from Marcus would investigate my complaint and contact me within two business days. It's been three weeks and nobody from the resolution team has called.
Clearly, this was not my mistake. I never canceled the transfer, I had sufficient funds to cover the withdrawal and the accounts were linked.
I '' m requesting monetary relief for losses accrued due to Marcus ' error canceling my transfer of funds without my authorization, not notifying me of the canceled transfer, and providing false and conflicting information regarding the tranfer 's status. As a result, I was on the phone for 5.5 hours back and forth between both banks.
Im also requesting that Marcus ' team provide me with all the documents used to resolve this complaint.
|
| 09/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2023, I sent a Notice of Tender and Notice of Acceptance to both the company and the indentured trustee, providing them with a ten-day period to comply. The presented amount in the notices amounted to {$4000.00}.
Under 12 CFR 1026.13 - Billing Error Resolution ( Regulation Z ), I wish to assert my rights as a consumer : I have the right to withhold the disputed amount, and the creditor is prohibited from attempting to collect any portion of any required payment that I believe is related to the disputed amount, including related finance or other charges.
The creditor is obligated to correct the billing error and credit my account with any disputed amount and related finance or other charges, as applicable. Additionally, they must mail or deliver a correction notice to me.
Pending the resolution of the billing error, I retain the right to withhold the disputed amount, and the creditor may not attempt to collect any portion of any required payment related to the disputed amount, including related finance or other charges. If I have enrolled in an automatic payment plan offered by the card issuer and agreed to pay the credit card indebtedness by periodic deductions from my deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
Furthermore, as defined in 15 U.S. Code 1601, the term " credit card '' encompasses any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Under 15 U.S. Code 1666d, concerning the treatment of credit balances, the creditor must take the following actions whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction : A. Credit the amount of the credit balance to my account. # XXXX B. Refund any part of the remaining credit balance upon my request.
C. Make a good faith effort to refund to me by cash, check, wire, or money order any part of the amount of the credit balance remaining in the account for more than six months, except in cases where my current location is not known by the creditor and can not be traced through my last known address or telephone number.
Moreover, in accordance with 15 U.S. Code 1693m - Civil Liability, I am entitled to : Actual damages resulting from the creditor 's failure to comply.
In the case of an individual action, an amount not less than {$100.00} nor greater than {$1000.00}.
Lastly, under 15 U.S. Code 1693n- Criminal Liability, any failure to provide information as required by the aforementioned regulations may result in fines or imprisonment.
Furthermore, UCC 3-603 outlines the principles governing the tender of payment of an obligation under a simple contract.
In addition, 18 U.S. Code 8 defines the term " obligation or other security of the United States, '' which includes various financial instruments issued under Acts of Congress.
Finally, UCC 3-603 ( b ) stipulates that if a tender of payment is made to a person entitled to enforce an instrument and is refused, there is a discharge of the obligation to the extent of the amount of the tender, particularly concerning indorsers or accommodation parties with recourse rights.
It is imperative that the company and the indentured trustee acknowledge and adhere to these laws and regulations promptly.
|
| 08/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am writing this complaint because my consumer rights have been violated by the involved company. I sent a billing error notice via certified mail # XXXX XXXX XXXX XXXX XXXX that was delivered on XX/XX/XXXX. Since that time the company had sent me an email dated on XX/XX/XXXX, stating, " We received feedback regarding your Apple Card account and are looking into it.
Your dispute has been investigated. We received your request for debt validation on XX/XX/XXXX regarding validation of account history of your Apple card reported by Goldman Sachs Bank USA. We mailed the debt validation packet to you on XX/XX/XXXX. We have reviewed the information being disputed, as well as our records, and determined that your Apple Card account was reported correctly. If you have any questions regarding your account, please feel free to contact us at XXXX.
If you have any further questions, please reach out to an Apple Card Specialist.
I then wrote another letter further explaining this dispute on XX/XX/XXXX, which was delivered via certified mail # XXXX XXXX XXXX XXXX XXXX that was delivered on XX/XX/XXXX, explaining why the matter was not settled.
On XXXX XXXX, the company reported that the disputed amount was 30 days past due, which is a direct violation of 13 ( d ) ( 2 ) Adverse Credit Reports Prohibited - ( 4 ) Permitted creditor actions.
A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section. ( PLEASE SEE ATTACHED ) On or around XX/XX/XXXX, I received the attached " Validation Letter '' ( PLEASE SEE ATTACHED ) which was dated on XX/XX/XXXX, which had to be a typo, and stated that if I do not respond within 15 days the company will report the debt. I then sent another correspondence via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, which had not been delivered but I notified the company to note my account that I had a response being mailed. ( PLEASE SEE ATTACHED ) All of my responses have been made in a timely manner to expediate the settling of the matter, however the company violated the procedures of resolving billing error notices and furthermore have caused damage with the furnishing of this adverse credit reporting.
There was never a resolution, and this is evidenced by the correspondences all lacked and the following language from ( 13 ) g -Creditor 's Rights and Duties after Resolution : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes.
The company has also violated Official interpretation of Paragraph 13 ( g ) ( 4 ) ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
|
| 03/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
On or about XX/XX/XXXX a fraudulent charge in the amount of {$160.00} was posted to my Apple Card ( Card ) statement. On XX/XX/XXXX when I first learned of this billing error ( 12 C.F.R. 1026.13 ( a ) ( 1 ) ) emanating from the fraudulent charge I contacted Goldman Sachs Apple Customer Service ( CS ). Using the Apple Card App ( App ) I thereupon informed CS of the fraudulent charge, disputed the entry on my periodic statement, and cancelled my compromised Card ending in XXXX. A new Card ending in XXXX was issued that day. My physical Card number remains the same, ending in XXXX.
The disputed charge ( Dispute ) was denied on XX/XX/XXXX. Using the App, I contacted XXXX requesting an explanation ( 12 C.F.R. 1026.13 ( f ) ( 1 ) ). CS response was that To receive credit a reassertion is needed to be completed ( sic ) to prove that decision was invalid, without further evidence the outcome will not change. I asserted my right as set forth under 12 C.F.R. 1026.13 ( f ) ( 2 ) ) seeking copies of documentary evidence of my indebtedness. I have yet to receive these documents.
I made a first reassertion ( First Reassertion ) of the Dispute to CS the same day ( XX/XX/XXXX ) using the App and was provided a Case ID of XXXX. First Reassertion was denied XX/XX/XXXX. That same day ( XX/XX/XXXX ) via the App I made a Second Reassertion of the Dispute, which was given a new Case ID of XXXX. I also again asserted my rights under 12 C.F.R. 1026.13 ( f ) ( 2 ) ) and requested documentary evidence of my indebtedness. I have yet to receive these documents either.
I did, however receive an email request from CS for additional documentation from me proving I did not make the charge. I am unable to provide any such documentation, as this was a fraudulent charge that I did not make.
The Fair Credit Billing Act implies that in a Dispute the presumption of innocence rests with the consumer, and not with the merchant, processor, or Card provider. The onus of proof is on the merchant, and not on me, to demonstrate that I ( and not a fraudster ) made the charge. I would expect a document with my signature on it, the IP address from which the transaction was made, location data, any correspondence between XXXX and me, copies of ( presumably ) the ticket ( s ) that were purchased, or a CVV match or whatever means by which identity was verified when the transaction was made. XXXX is unable to provide any such evidence. The transaction was fraudulent. I did not make it.
Conversely, there is a preponderance of circumstantial evidence that I am more than likely to not have made the charge, and that this is a legitimate chargeback. I am not a frequent disputer. The disputed charge is not a relatively high-value charge. This is not a frivolous complaint. I proactively took steps to protect my Card account within hours of learning of this fraudulent charge and the billing error on my account by informing CS through the App and requesting a new Card number. The Card is paid in full at the end of each month. To date I have never incurred an interest charge, a penalty fee, or a late fee on this Card. I have not flown XXXX XXXX, nor have I made a purchase for myself or for anyone else from XXXX in at least the last 3 years. Both my wife and I have status on airlines other than XXXX.
I would like this Dispute resolved forthwith, and request that the disputed {$160.00} charge be resolved in my favor, and thereafter that my XXXX account be closed.
|
| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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Marcus by Goldman Sachs you are furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.
15 USC 1681 s-2 Says you, Marcus by Goldman Sachs , are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS 2021 publication.
SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.
My Address is listed below!
XXXX XXXX XXXX, XXXX, XXXX XXXX 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
|
| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Marcus by Goldman Sachs you are furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.
15 USC 1681 s-2 Says you, Marcus by Goldman Sachs , are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS 2021 publication.
SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.
My Address is listed below!
XXXX XXXX XXXX, XXXX, XXXX XXXX 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
|
| 01/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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My time with Apple Card has totally sucked so far except for 1 or 2 good customer support agents. The story starts back at the end of XXXX someone tried to use my card number online for 5 different purchases $ XXXX but only one went through. I immediately disputed it through the chat system and went on my merry way.
At the end of XXXX, I was contacted that XXXX had sent proof and the dispute was getting closed against me. I called support and asked what proof they had, and the swore up and down that the had emailed me all of the documents ( Checked every email account they had not ). They asked if I knew the person who used my card ( I don't ) or if I lived near the delivery address which was in PA ( I live in FL ). The agent encouraged me to reach out to the person who used my credit card and ask them about it ( Isn't that supposed to be the banks job? ) and ask XXXX for more information on the transaction. The agent was surprised to hear that no one had given me a call to further investigate the fraud or ask me any questions at all. The agent said he put a complaint in for a supervisor to call me and said they would reopen the dispute.
Funny enough 2-3 weeks after this call I received a letter in the mail full of the " proof '' that XXXX had sent over. This proof included a shipping slip showing not my name, not my state, not my phone number, and not my email. It did show all of these details of the supposed fraudulent order. Since Goldman Sachs had encouraged me to reach out to these individuals I went ahead and did so. The lady on the other end of the line had recently ( about 2 weeks before my card was used ) had her purse and phone stolen and had an ongoing police investigation. They knew nothing about my card being used which showed that Goldman Sachs had failed to track down the easiest lead in this whole dispute.
Fast forward to this month, they are now asking for proof to continue the dispute investigation. Proof of what? I did not order these items, they were not shipped to me, neither my phone number nor email address was used, how can I prove that I did not have the item? So, I called up support, the first lady that talked to me had asked if I had pursued XXXX for more information on the order. Of course not, I did not have the order number for the order and what was I going to do when they asked if I was the person that ordered the item? Do I lie and say that I am that person which is not only wrong but probably illegal and if I say I am not they will stop the conversation right there? So, I asked her if it was customary for customers to have to do the investigation work... she had no response. She said she would bring a supervisor on, I was left on hold for 15 minutes then the call dropped, and I got no follow-up from her or the supervisor.
I decided to call back about an hour after and got on the phone with another support agent and they were wonderful. They clearly addressed my concerns told me to upload a pdf saying that I don't recognize this charge as my proof and expressed concern in my prior calls. When I asked her why previous agents had told me to look into the transactions on my own and contact vendors/ fraudulent users she expressed concern and stated that that was not a course of action recommended and she submitted a complaint regarding these details. She also noted that the supervisor complaint placed 2 months ago ( XXXX call ) had not been followed up on yet.
|
| 12/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with fraud alerts or security freezes
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|
Web |
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On XX/XX/XXXX I found out an Apple credit card had been opened without my knowledge. I realized I wasn't charged for a purchase I made. Upon further investigation, I found that the purchase had been charged to a credit card that I didn't open.
I called Goldman Sachs and filed a fraudulent claim. I spoke to XXXX and he instructed me to report it to the credit company. I told him that we had XXXX.
He then instructed me to file a identiftytheft.gov report and then send the hard copy to Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. So, I filled it out and sent it on XX/XX/XXXX.
XXXX informed me the acct. was opened on XX/XX/XXXX. He instructed me not to make a payment on the acct and that this would not be held against my credit.
On XX/XX/XXXX I received an email regarding a statement.I called to make sure this was not going to effect my credit. I called and spoke to XXXX and she said someone would call me back. I didn't receive that call.
On XX/XX/XXXX I received an email regarding a statement.I called to make sure this was not going to effect my credit. XXXX said the case was restricted. Wait until there is an update. They will send and email.
On XX/XX/XXXX I received a statement on the acct. I called to make sure this was not going to effect my credit. I spoke to XXXX. She said someone will call me back. I didn't receive that call.
On XX/XX/XXXX I received a statement on the acct. I called to make sure this was not going to effect my credit. I spoke to XXXX. XXXX transferred me to XXXX. She said my account was restricted and under review and they were working on the acct. I was very concerned that this was going to effect me credit so I gave XXXX all my bank info to pay the balance and closed the account.
On XX/XX/XXXX I called XXXX and cancelled my payment. I was afraid that paying the acct. complicate the ongoing investigation. XXXX informed me that He couldn't report anything regarding a balance on my acct until the investigation was complete. Also, he couldn't reverse the acct closure.
On XX/XX/XXXX I called because I continue to get statements on the account saying I have a balance. I spoke to XXXX XXXX and she informed me that a fraud report was filed. That the emails sent are just automatic. My acct is a disputed account because transactions are disputed.
On XX/XX/XXXX Because I haven't felt confidant in any information provided to me to this point, I called and spoke to XXXX I was disconnected after 5 minutes. I called back and spoke to XXXX. He said to ignore the bills until the case is resolved.
On XX/XX/XXXX I called and spoke to XXXX XXXX who informed me that {$100000.00} was sent to COLLECTIONS and was incurring interest. She transferred me to XXXX and she said she was going to escalate this to a manager and they will reach out with a resolution. She checked everything and she said it was complete. She works in all different departments. It was filed as fraud and it shouldn't have gone to collections. Account is still being disputed. Manager will call back. I paid acct in full with Bank Acct. {$1000.00} On XX/XX/XXXX Didn't hear from Supervisor so called back. Spoke to supervisor XXXX and transferred me to XXXX. ( XXXX HOUR ON PHONE ). He said case is open - can't remove off my credit until everything is reviewed. Will have supervisor calm w/in 10 days. He doesn't know name of supervisor.They have many. He doesn't choose them.
.
|
| 01/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XX/XX/XXXX, I had a balance on my Apple Card. Using Apple 's " XXXX '' XXXX, I linked my XXXX checking account to my Apple Card so that the balance would be paid in full every month from my checking account. The app said I was successful in linking my account.
A month later, I received a phone call from Goldman Sachs ( which backs the Apple Card ) that my payment was unsuccessful, and that I was more than 30 days late. I said that's impossible. But the specialist told me that XXXX declined payment ; apparently, my bank account was never successfully linked, despite the app telling me it was. ( No one ever notified me of this beforehand. ) I paid the balance in full while on the phone. I explained that I've never missed a payment before ( it's true ; you can check my credit history ).
Despite this, Goldman reported to XXXX XXXX that I was more than 30 days late. After seeing my credit score take a 100-point dive, I contacted Goldman again in XX/XX/XXXX. I spoke to someone who promised to look into it for me. I received a call back on XX/XX/XXXX, but missed the call because it was XXXX XXXX and I was on vacation.
In XX/XX/XXXX, I called Goldman back. On this call, it was discovered that Goldman did not have my current email. Instead, it had an email that was associated with my Apple XXXX account -- an email from XXXX. At no point in my application process for an Apple Card or thereafter was I ever asked to give my email. I assumed notifications would be sent through text or over the Apple XXXX XXXX.
I was wrong. Goldman had sent a notice of overdue payment to the wrong email. The specialist whom I spoke to agreed that it was 1 ) wrong for Goldman not to call me BEFORE XX/XX/XXXX ; 2 ) wrong for Goldman to rely on an outdated email to contact me ; and 3 ) true that, given my previous history of always paying on time, unfair for Goldman to have reported to XXXX XXXX a late payment when I was under the mistaken belief that the payment had been processed through my XXXX checking account -- which, again, is what was showed to me on the app. It said it was successful.
Goldman then issued a dispute on my behalf and sent it to XXXX XXXX. XXXX XXXX " investigated '' ( never explained what steps it took ; it did NOT speak to me about the issue ), and claimed that the report was " accurate. '' My credit score dipped over 100 points. Goldman claims it can't do anything, and when I called XXXX XXXX, XXXX XXXX claimed it couldn't do anything. Both companies pointed the finger at the other.
I called Goldman today, XX/XX/XXXX, to discuss XXXX XXXX 's " investigation. '' Goldman knew very little, and said I should continue the dispute process on my own.
To recap : 1 ) I've never missed a credit card payment in my life.
2 ) I tried to link my XXXX checking account to my Apple Card. I was told I was successful.
3 ) When my checking account wasn't successfully added ( after a few days ), no one notified me of this.
4 ) Goldman used the wrong email, and didn't call me about a problem until after 30 days went by.
5 ) XXXX XXXX never contacted me about its investigation ; it didn't even bother to explain what steps it took or how it reached its conclusion.
6 ) Given that Goldman has agreed with me that this was wrong, I'm confused how I'm still penalized for its mistake.
7 ) XXXX XXXX won't answer my concerns. And both companies just lay blame with the other and tell me to talk to that one.
|
| 06/01/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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|
Web |
Older American, Servicemember |
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Marcus by Goldman Sachs was running a promotion. Deposit {$10000.00} in savings then receive {$100.00} https : //www.marcus.com/us/en/savings/osa-savingsbonus I opened the account on XXXX the next day I received confirmation that the account was opened.Marcus by Goldman Sachs Savings I had been a customer off/on since XXXX.
Marcus by Goldman Sachs Fine Print : Online Savings Account {$100.00} Cash Bonus Offer Terms Offer valid from XX/XX/XXXX to XX/XX/XXXX ( the Offer Period ).
To qualify for the {$100.00} Cash Bonus ( the Offer ), you must enroll a Marcus Online Savings Account in this offer at https : //www.marcus.com/us/en/savings/osa-savingsbonus or by calling Marcus at XXXX ( XXXX ) by XXXX pm ET on XX/XX/XXXX. Upon successful enrollment you will receive a confirmation of your enrollment via email or U.S. mail.
After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Marcus Online Savings Account within 10 calendar days of enrollment ( the Funding Period ). The account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ), must be maintained in your Marcus Online Savings Account for 90 consecutive days from the date of reaching the Required Dollar Amount. The account balance is based on the starting current balance reflected on your account at XXXX XX/XX/XXXX XXXX the day you enroll. Once the Funding Period has ended, your Marcus Online Savings Account balance may not drop below the Required Dollar Amount at any point until after the 90 consecutive days have passed. You may make multiple deposits within the Funding Period to reach the Required Dollar Amount. Internal transfers do not count for the purposes of this Offer.
If you choose to enroll a different Marcus Online Savings Account, you must deposit {$10000.00} or more in new funds from an external account into the newly enrolled account within 10 calendar days of enrollment, even if you have reached the Required Dollar Amount in a previously enrolled account.
The {$100.00} bonus will be deposited into your Marcus Online Savings Account within 14 calendar days after fulfilling the above requirements. To receive your bonus, your account must be open and in good standing at the time the bonus is deposited in your account. The bonus will be treated as interest for tax reporting purposes.
Offer available to new and existing customers. Each customer is limited to one cash bonus offer. This Offer can only be applied once to an account. If an account has multiple owners, the account is limited to being enrolled for this Offer under one account owner and receiving one cash bonus. Remaining account owners may be eligible to use another eligible account to enroll in this offer. This Offer may be combined with other promotional offers available to Marcus Online Savings Account customers.
When I didn't get my promotional money, I called and talked to a supervisor. She said she would ask for an override-for me to get my promotional money. At the next level, they denied my request. I am angry. I followed all the rules, used the correct promotional link, transferred in {$100000.00} which I kept in there for the period of time that should have paid me my promotional money. I realize it is important to follow the fine print for the consumer to receive the promotion. Please help me.
Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veteran
|
| 12/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
In the afternoon of XX/XX/XXXX, I noticed a pending charge on my Apple Card for {$1000.00} from XXXX that was made XXXX hours ago. Furthermore, there was a declined charge of {$1400.00}, which had been declined as it had exceeded my credit limit. I immediately called the customer service for Apple card and informed them of the unrecognized fraudulent charges on my credit card and requested for a cancellation of the latest charge with XXXX. The Apple card specialist had gone ahead to cancel my credit card and issued a dispute for the fraudulent charge. A few months later, I was informed by the credit card company that the dispute had been unsuccessful as the merchant had provided compelling evidence that this was not a fraudulent charge. The Apple card specialist encouraged me to contact the merchant to clarify about the evidence provided by the merchant in the dispute. I reached out to XXXX, who told me that my first and last legal name, XXXX XXXX, was used to place an online order on XX/XX/XXXX XXXX. When I enquired about the order placed, the merchant agreed to send me a copy of the Order Confirmation slip sent to the email address used to place the order. The Order Confirmation slip had listed my first and last name as the person placing the order, along with my actual phone number and residential address listed. My credit card number was also used to place the order. However, the email used to place the order was : XXXX which is not an email address that I recognize. I called XXXX to inform them of the associated incorrect email ; however, they said to approach my credit card company instead. Based on the Order Confirmation slip provided by XXXX, I had tracked the XXXX tracking number and contacted XXXX about the shipping report and delivery confirmation. I was emailed a copy of the delivery report, which showed the final shipping address as : XXXX XXXX XXXX, XXXX, KY XXXX, instead of the original residential address placed with XXXX. The signature of the package recipient reflected on the XXXX delivery report is also not my signature. I have never lived along XXXX XXXX, nor do I have family or friends living in this area. Furthermore, my residential address is the only place in KY where I have orders shipped to. When I reached out to XXXX about the shipping address discrepancy, the customer service associate did inform me that despite the order being placed on XX/XX/XXXX, an individual identifying as XXXX had called XXXX to request for a shipping address change on XX/XX/XXXX. The individual had requested a change of shipping address to the final delivery location on XXXX XXXX. However, XXXX was unable to disclose any documentation of this call to me. However, they remain contactable for verification of this statement. In contrast to the IP address reflected on XXXX XXXX report, my current public IP address is : XXXX. My previous IP address from my previous address ( XXXX XXXX XXXX XXXX XXXX, KY XXXX ) from the period of XX/XX/XXXX XX/XX/XXXX was : XXXX. This IP address mismatch remains inherent in proving that I am not the individual placing this order with XXXX ; but rather, my identity had been stolen to do so. Despite writing in a letter to Goldman Sachs to detail the evidence of having my identity stolen and charged with a fraudulent credit card scam, Goldman Sachs and XXXX have maintained that my identity was not stolen, and I had been the individual placing an order with them.
|
| 11/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/2023 - Received email from XXXX confirming my identity and notifying me that there was a suspicious login from California ( I live in Illinois and was in Illinois at this time ) XX/XX/2023 - This suspected account hacker tried to use all of my saved payment method cards saved onto my XXXX account until this suspected hacker got to my Apple Credit Card which the payment did go through for the total price of {$1000.00} for. This suspected hacker also tried to use my Girlfriend 's XXXX Credit Card but it did get declined.
XX/XX/2023 - The suspected hacker that bought these concert tickets refunded the tickets through XXXX for a promo reward and then used the promo reward to buy different tickets for the same venue same date.
XX/XX/2023 - I tried to return the tickets to see if I could get my money back that way but since the suspected hacker returned the first sale for a promo reward, I am unable to receive anything but a promo reward for this purchase.
XX/XX/2023 - I opened the first dispute with Apple Credit Card customer service and had a conversation on text message and various conversations over the phone to discuss this transaction and provide proof that my XXXX account was hacked and I did not purchase the tickets.
XX/XX/2023 - Apple Credit Card customer service notified me that my first dispute was reversed and I provided proof that this transaction was not made by me and they reopened the dispute. This is the start of the 2nd dispute over this transaction.
XX/XX/2023 - I received a letter with the information XXXX sent to Apple Credit Card customer service to allegedly show that it was me that made the purchase.
XX/XX/2023- Had a phone conversation with Apple Credit Card customer service and discussed the dispute and XXXX proof. Also sent them more proof that I did not make this transaction.
XX/XX/2023- Had a conversation with XXXX 's customer service about this dispute.
XX/XX/2023 - Received follow up email from the conversation with XXXX customer service letting me know that they brought this to their support team and will be following up.
XX/XX/2023 - Received follow up email from XXXX telling me to report this to my bank.
XX/XX/2023 - Called my bank ( Apple Credit Card customer service ) which told me that they were working on this dispute and will be updating me when they know more.
XX/XX/2023 - XX/XX/2023 - Responded to XXXX letting them know that I talked to my bank and asked them if they have any updates on their end. They let me know that this is a fraud investigation and that they can not talk to me about it and to contact my bank again.
XX/XX/2023 - Apple notified me that my 2nd dispute was declined and the charge is being added onto my card again.
My XXXX account was hacked and I did not purchase these tickets that I was charged for and through many conversations between XXXX and the Apple Credit Card Customer Service it seems that they are assuming that I did buy these tickets even though I didn't. I never went to the concert ( because I live in Illinois and have no plans of going to a concert in California ). I never claimed or accepted these tickets in my email.
I did receive the documents sent from XXXX to the Apple Card Company for the 2nd dispute and they were the exact same documents from the 1st dispute.
See images for examples and references for the conversations and proof from my end and what XXXX sent to Apple Credit Card both times.
|
| 05/28/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
Today, XX/XX/XXXX, I was contacted by text message by a representative at Apple Card from Goldman Sachs Bank USA concerning a charge of {$84.00} on XX/XX/XXXX. I do not recognize this charge, and I asked the representative to put this charge on dispute. I already spoke to 4-5 different reps from Apple Card from Goldman Sachs Bank USA before, in regards to this matter during the last month. The initial person I contacted regarding my first transaction for {$66.00} was recognized as an invalid transaction and submitted it into the system for dispute and review and told me that I would have the total amount credited back onto my card, but only temporarily because of some policy for them to look further into the situation within the span of 90 days. I have the money on my account but it should be permanent not temporary and I'm concerned and afraid to use it because it doesn't feel like my currency. I then filed another transaction I didn't make with that same representative for the total of {$84.00}, which he also claimed wasn't in the system at all and said it would also be put up for dispute and the amount would also be credited back to my card.
It is now XX/XX/XXXX and I was never credited back for the 2nd transaction. I have went through several other representatives concerning the matter and none of them helped me at all and kept saying the same thing back to me, that they would put it up for dispute and credit back the {$84.00}.
The last person I contacted today kept asking me the same question, if someone else had access to my card and I repeatedly told him no and that I always have my card on me and no-one uses it other than myself. He then, without my permission, blocked my card when I told him multiple times not to and ignored everything I had to say after and ended the issue without listening to my primary issue or concerns. All he did was put up the {$84.00} for dispute, even though it should already have been up for dispute, which I had filed at least 4 times now.
So I am still missing the {$84.00} from the 2nd transaction on XX/XX/XXXX that was never credited back, and now my card is blocked against my best wishes.
I honestly feel that I'm just being tossed around from one customer service representative to another and none of them can simply help me get back the money that is rightfully mine and never used for any transaction. I feel completely abused by the last representative because he just made the situation more difficult and stressful for me when I honestly don't have any time to waste on the matter.
I asked for the credit that was initially promised to me but that last person I spoke with said there was no history of the transaction nor the dispute in the system at all and now I just feel like people are playing games with me rather than giving proper service. I don't understand why I'm being billed for this amount then if the transaction itself is not on file?
I can provide screenshots of all the conversations on my phone, as well as the transactions I was billed for but never made, as direct evidence of the unpleasant and unreliable 'service '. It was anything BUT professional and I am frustrated with Apple in how they treat and interact with their clientele.
I have been a faithful Apple customer for over 10 years and never experienced such horrible service like this before. I've paid all my bills in the past and don't owe them a single XXXX
|
| 11/04/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
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Web |
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On XX/XX/2023, I tried to access my online marcus.com savings account and discovered that I had been locked out of my account. I called the Marcus customer service number and was advised that I should call back in 3-5 business days. On XX/XX/2023, I called back to Marcus customer service and was advised that I should wait another week and then call back because they could not verify my identity. On XX/XX/2023, I called back to Marcus customer service and was informed that I would be sent in the mail an Affidavit of Identity ( AOI ) and that I should notarize and return the AOI to be reviewed in order to prove my identity. They informed me that the AOI would be sent in 3 to 5 days. After five days had passed, I did not receive the AOI and so I called again on XX/XX/2023 and was informed that they had not yet sent the AOI but that it would be sent to me by mail. I finally received the AOI, sent to my permanent address on XX/XX/2023. I was able to have the AOI notarized on XX/XX/2023 and mailed the document by registered mail on XX/XX/2023. I called Marcus on XX/XX/XXXX to inform that I had mailed in the AOI and was informed that I should call back in about a week. I called back on XX/XX/XXXX and was informed that they had not yet finished confirmation of my AOI and that I was to call back in a week. On XX/XX/XXXX I called Marcus again and was asked to call back in another week. On XX/XX/XXXX, I called back and was informed that my AOI had been rejected and that I should call back in 3 to 5 business days for next steps. I called back Marcus on XX/XX/XXXX and was informed this time that my account was going to be closed and that they would return my funds back to the funding account. I asked for confirmation of my funding account and although they could not confirm the entire account, they confirmed that the last four digits matched with the numbers that I had given to them. We then confirmed that they would close my account and return the monies in the account to my funding account. The next day, XX/XX/XXXX, they called me, and said that they could not confirm my funding account and that if the account could not be confirmed, they would have to send me a check. I asked how long it would take to receive the check and was not given a clear response, only that it had to go through another approval process, which could be length, before they would send me my check. They asked me to call back and today, XX/XX/XXXX when I called back, they said that they could not talk to me about my own account because the phone number on my account did not match what I had give them verbally. I had confirmed my personal phone number on each call with them and returned the four digit code sent by text each time, however now they claimed that another number was on my account as the phone number. I confirmed that the phone number was my father 's phone number. I have now been locked out, with no access online to my account for over two months. I have waited patiently, Marcus has not sent me paper statements during the time that my account was locked out and they still refuse to provide me with any information on my account, even simple information such as account balance. They say they will send the paper statements, but we have not yet received any statement. At this point, I have lost complete faith and trust in banking with Marcus and wish that my monies be returned to me at once.
|
| 01/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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On XX/XX/XXXX I found out I was the victim of identity theft. A bank account at XXXX XXXX XXXX was fraudulently opened up under my name and five loan applications were fraudulently applied for under my name. The five lenders were Goldman Sachs, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I subsequently found out that these five lenders had received my information through the company XXXX XXXX.
On XX/XX/XXXX, I called Goldman Sachs ( XXXX ) and alerted them of my identity theft. I called Goldman Sachs because it was the company listed on my XXXX credit report. I was assured that there were no loan applications under my name.
Later that day, I received a letter from Marcus by Goldman Sachs stating that a loan had been denied. I called Marcus by Goldman Sachs ( XXXX ) and they confirmed an application had been submitted. I tell them that this application was fraud. I find out that Marcus by Goldman Sachs is the lending division of Goldman Sachs and that they do not share information. I was told I could obtain information on the fraudulent application by sending in a letter stating the request, along with a police report and FTC report. I was told I would receive the documents within 30 days of the request.
On XX/XX/XXXX, I mailed a letter to Marcus by Goldman Sachs requesting a copy of all the documents related to the fraudulent loan application. I also mailed a copy of my police report and FTC report. I never received a response.
On XX/XX/XXXX, I called again requesting the records.
On XX/XX/XXXX, I received a call back stating they could not release the information.
On XX/XX/XXXX, I called again requesting the information and inquired why the information could not be released to me. I was told someone would call back in 1-2 days but I never received a call back. It has been two months since my initial request for documents.
The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) states as a victim of identity theft, I have a right to obtain copies of all documents related to the theft of my identity. It states that following a request from an identity theft victim, the business must provide the records within 30 days, free of charge and without a subpoena. These rights are stated numerous times on the Federal Trade Commissions website under identity theft. Here are the links to the FTC website stating these rights : https : //www.identitytheft.gov/know-your-rights https : //www.ftc.gov/news-events/blogs/business-blog/2017/12/identity-theft-show-me-records https : //www.ftc.gov/tips-advice/business-center/guidance/businesses-must-provide-victims-law-enforcement-transaction.
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX have all complied with my request for documents on the fraudulent loan applications and bank account XXXX XXXX, Marcus by Goldman Sachs, and XXXX have not complied with my request for documents.
Marcus by Goldman Sachs has not complied with the law and have denied my request for records despite multiple tries. Therefore I am filing a complaint with the Consumer Financial Protection Bureau.
Being a victim of identity theft has been very frustrating and the time dealing with this has been enormous. It would be easier for me if Marcus by Goldman Sachs complied with my request for documents so I can get fraudulent information connected with my name disputed and corrected and my credit restored.
|
| 06/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
To whom it may concern, Just to establish the context of my dispute, its imperative to note how the COVID-19 effected my job status which then negatively effected my credit. During the initial phases of COVID-19 in the month of XXXX, the management team at my job at XXXX, had alerted all XXXX Managers in a conference call about a pandemic that was going to affect our market and possibly hurt sales. During the months of XXXX, upper management had alerted all Managers to be extremely vigilant of any vital signs or symptoms of the coronavirus within the team and if anything we were encouraged to stay home. Towards the end of XXXX, New York State had mandated all Non Essential stores be shut down and that was when I was out of a job as a Store XXXX at XXXX. My income had immediately come to a halt and unfortunately still have dependents that I personally still have to take care of including paying the rent, electricity bills, phone bills, car bills, utilities, cable bills, groceries etc. After my store had shut down, like many Americans, I was in dire financial hardship and needed extreme financial assistance immediately. The one credit card I was living off of was my Apple Card issued through Goldman Sachs. Never was I late on a payment and always had my credit utilization under control. With limited means of resources and no income along with major obligations to fulfill, it was the one asset I could use. Although I was utilizing the available credit on the card, it is IMPOSSIBLE for me to pay down my credit so my credit utilization could be 10-30 % which it usually is. My available credit at the time was {$1000.00} and the amount of credit used was north of {$900.00}. It was nearly impossible to fund any available funds to pay {$900.00} down. On the same day I found out that my store was going to shut down, I had contacted Apple Card Customer Service ( XXXX ) to see how Apple Card was going to send my data to the credit bureaus about me not paying down my credit even if I pay my bills on time but still having a high credit utilization. The Apple Card Specialist advised me to wait and see if they do report negatively because the belief was that the CARES ACT would pass which it did but the prevention of reporting negatively to the credit bureaus did not. I'm in extreme dire financial hardship due to this unforeseen COVID-19 pandemic and it's extremely hard to position my finances to cover costs that I personally did not know I was going to have to cover immediately. Due to the use of my Apple Credit Card, my credit dropped roughly -54 points on my Transunion report. On XX/XX/2020, I had called Apple Card Specialist and confronted them about my dire economic hardships and disputed that negative report. After a couple weeks, the dispute was denied because they claimed the information was accurate however, the information is incomplete. It is boarder line fraud and extremely misleading when an Apple Card Specialist notifies me to " wait and see '' if my credit will be negatively reported instead of giving me the proper necessary information where I did not have to max out my card. A misinformed Apple Card Specialist caused my credit to drop -54 points and does not fully represent my creditworthiness which is total fraud. I know this statement will provide a deep clarification to my situation and how I was swindled out of a good credit rating.
|
| 05/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
on XX/XX/XXXX i purchased basketball tickets on a website, {$200.00} paid in advance for i believe 4 tickets then i was send 4 wrong tickets for the wrong game, wrong dates and wrong state.
i immediately contacted the website via email asking for the correct tickets OR a refund for my money, they did acknowledge the problem and offered 2 solutions, first is 75 % cash refund which i of course refused, second was a {$200.00} credit to any other game, at this point i was just visiting Ohio with friends and have no intentions attending any other games so i also declined the offer and asked for a full cash refund but the merchant refused.
I then called Goldman Sachs to file a dispute, forward emails from merchant in regards to all communications that happened between me and merchant and explained that yes even though the website reads no refunds but i was sent the wrong product and should be protected.
on XX/XX/XXXX i received an email from Goldman Sachs informing me that the dispute was resolved in my favor and that the temp credit is now permanent which was my expected outcome.
a week later i received another email from Goldman Sachs informing me that the dispute ended in merchant favor and that i am entitled to any documentations and explanations on why it was not in my favor.
i immediately call them back and that's when the disaster started, first i was denied help because i requested to speak to a supervisor, then after hours of trying i finally got to a supervisor that informed me that they will send me all evidence via email within a few days but only to receive the same email i was sent early XXXX informing me that the dispute ended in merchant favor so again i call and ask about evidence to find myself being made fun of, disrespected and thrown on hold for hours at the time looking for the right person to speak to, then finally to a supervisor that promised a call back asap with resolution.
this morning i received a call from a manager called XXXX informing me that because the website reads no refunds then i will not get credit and that the case is closed, i asked him repeatedly to do 2 things for me one is to send me the disclosure " my right under regulation DD '' of how disputes are handled and my rights vs merchant rights but he LAUGHED at me in a very inappropriate way telling me that he will not do that, i explained to him repeatedly that as a consumer i have the right to have disclosures-REG DD but again he refused! my second ask was why they sent me an email on XX/XX/XXXX informing me the dispute was in my favor but his answer was i have no idea why we sent this email " all reps and supervisors spoke to me failed to explain why this email was sent to me '' so again i asked to see the discloses on what they " as my bank '' can and can not do but again a laugh and a denial!
i am being treated unfairly, i was refused to be given disclosures, i was refused protection service because even though the website reads no refunds i was sent the wrong product and all credit card policies protects from scams like this " or even errors if it was simply one '' and was not given or shown anything that shows that the website does not grant refunds for their own mistakes.
i tried to send an email to the corporate but of course all resources online shows only the same number i have been calling to complain.
please assist!
|
| 07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX Consumer Reporting Department XXXX XXXX XXXX XXXX, RI XXXX Subject : Dispute and Correction Request for Incorrect Information on My Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to address a serious concern regarding the reporting of inaccurate information on my consumer report by XXXX XXXX. As a loyal customer, I have always valued the services provided by your bank and the importance you place on maintaining the accuracy of customer financial information.
Upon reviewing my consumer report, I have identified several discrepancies and errors that have been reported by XXXX XXXX. These inaccuracies have had a significant impact on my creditworthiness and financial reputation. I have attached copies of my consumer report, highlighting the incorrect information, for your reference and review.
The following issues require your immediate attention and corrective action : XXXX. Incorrect Account Status : My consumer report indicates that one of my accounts with XXXX XXXX is in default, despite the fact that I have consistently made timely payments and have no outstanding balances. This inaccurate account status has negatively affected my credit score and has created unnecessary financial hardship.
XXXX. Erroneous Late Payments : There are several instances on my consumer report where late payments have been reported for accounts that have been consistently paid on time. These erroneous late payment entries have distorted my credit history and have caused substantial harm to my creditworthiness.
XXXX. Inaccurate Balance Reporting : The reported balances on my consumer report do not align with the actual balances on my accounts. This discrepancy has led to confusion and misrepresentation of my financial standing, potentially impacting my ability to obtain credit or secure favorable terms.
I kindly request that you conduct a thorough investigation into these discrepancies and take immediate action to correct the inaccurate information on my consumer report. It is imperative that XXXX XXXX ensures the accuracy, fairness, and integrity of the information reported to credit reporting agencies.
I also request that you provide me with written confirmation once the necessary corrections have been made and the accurate information has been reported to the credit reporting agencies.
I understand that errors can occur, but it is essential that XXXX XXXX takes prompt and appropriate measures to rectify these inaccuracies. As a responsible customer, I have a legitimate expectation that the information reported on my consumer report is accurate and reflects my true financial standing.
Please be aware that under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incorrect information on their consumer reports. If the necessary corrections are not made within a reasonable timeframe, I may be compelled to exercise my rights under the FCRA to protect the accuracy of my consumer report.
I appreciate your immediate attention to this matter and your commitment to resolving these issues promptly. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above.
Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my consumer report.
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Subject : Complaint regarding erroneous reporting on my credit report during the COVID-19 pandemic Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an error on my credit report. Specifically, my Apple GS credit card is falsely reporting that I was 30 days late in XX/XX/XXXX. I want to emphasize that this information is completely untrue, as I made the payment on time, despite being ill with XXXX during that period. Moreover, this error occurred during a time when we were in a state of a public health emergency due to the pandemic.
The impact of this erroneous reporting has been profound and deeply personal. This is the only card on my credit report that shows a 30-day late payment, and it has adversely affected my financial standing. I have always maintained a stellar payment history, never having been late on any payment. However, this inaccurate reporting has led to the denial of credit and imposition of higher interest rates, causing significant financial distress.
I have made multiple attempts to rectify this issue before resorting to filing this complaint. I reached out to the creditor directly on three separate occasions and contacted the credit reporting agencies multiple times to dispute the erroneous information. Regrettably, every response I received from the credit reporting agencies simply stated that the information was verified, without providing any evidence to substantiate their claim. Their negligent handling of my case and failure to assist me have left me with no choice but to escalate the matter by filing this complaint with the CFPB.
I would like to bring to your attention the provisions outlined in 15 USC 1681 S2, specifically ( F ), which addresses reporting information during the COVID-19 pandemic. According to this section, " accommodation '' includes any assistance or relief granted to a consumer affected by the COVID-19 pandemic. The " covered period '' mentioned in the same section is defined as the period beginning on XX/XX/XXXX, and ending 120 days after the termination of the national emergency declared by the XXXX on XX/XX/XXXX, under the National Emergencies Act.
Considering that the COVID-19 public health emergency ended on XX/XX/XXXX, I am still within the covered period as defined by the aforementioned statute. I have been reluctant to file a complaint, but both the creditor and credit reporting agencies have violated my rights as a consumer and shown negligence in their handling of my case. I have patiently sought resolution for nearly six months without any meaningful assistance, which has left me with no alternative but to seek your intervention and guidance.
Therefore, my desired outcome is for the creditor, as well as the credit reporting agencies involved, to promptly correct the reporting error on all my credit reports. Specifically, I request that the 30-day late payment be amended to " paid as agreed, '' as this is my right as a consumer under the Fair Credit Reporting Act.
I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if you require any further information or documentation.
Thank you for your assistance in this regard.
Sincerely, XXXX XXXX
|
| 10/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Older American |
|
On XX/XX/XXXX my Apple Card was hacked and significant purchases made within a XXXX hour time period. I notified Apple immediately upon discovering the fraud, contacted the stores when I would receive notification that a purchase was ready for pickup, filed a report with the FTC and cooperated as best I could with providing the limited information I had on the thieves.
I have been working with more than 30 different Level 1 customer service representatives and had to finally only request to speak with someone at a supervisory level due to the poor service, confusion and advice. I have a spreadsheet with all 19 of the dispute files and when any action was taken. I have since discovered that more purchases were attempted but had been caught before completed. On the disputes the back and forth on resolved, reasserted, and denied has been a trued nightmare. Invariably one person would make a determination and then another would countermand. It has been XXXX months of constant chaos and frustration. Each and every time I think we are nearing the end another issue arises and am told it will be ANOTHER XXXX days till resolved. There is no dispute whatsoever that I did not make a single purchase as I live about XXXX miles from where the fraudulent action was initiated, my ethnicity and name do not mesh with the diversity of those picking up the items and no request for confirmation of proof I made the purchases at the time of a person not listed on my account picked up the electronics.
During the hack they were also able to download funds from my associated debit card to Apple Cash and promptly cashed it out at a Florida XXXX. I immediately contacted my bank who within a 3 hour time period confirmed that this was fraud, that I was not involved and refunded the missing money to my bank account.
The guidance I received over these last 4 months has been frightening to say the least. One representative actually thought it would be a great idea if XXXX sent me the credit balance on my account ( due to the dispute credits ) and I could then pay one of the outstanding installment accounts on one of the fraudulent IPhone purchases ( there were XXXX phones purchased ).. I quickly dismissed this advice as being non-nonsensical which prompted me to ask for a supervisor to intercede.
I have had some better advice and service from a few of the supervisors who promise to make it their personal mission to get this corrected once and for all. However, when they have cleared one case off the docket some XXXX puts it back on.
I have specifically been irate that during these XXXX months, the purchases have been reported to the Credit Bureau which of course has had a negative impact on my credit rating. Debt to income way out of whack with just under {$9000.00} in fraudulent purchases. When I contacted customer service to express my frustration that obvious fraudulent purchases would be reported under my name. I received a nasty email in return stating that because the balances showed up on my billing statement they were correct in reporting the information. Totally dismissed the fact that this was fraud. Credit rating directly equates to the cost of money for me. I have had to delay the purchase of a new vehicle as I would be charged much higher interest rates that I would have afforded under my true rating.
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX Bank, APPLE CARD/GS BANK USA XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX a financial institution XXXX definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states, " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX Bank, APPLE CARD/GS BANK USA XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX financial institution and XXXX Consumer reporting agencies XXXX, XXXX, and XXXX XXXX not have my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX, XXXX, XXXX, ( XXXX Bank, APPLE CARD/GS BANK USA XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX it be verbal XXXX non-verbal, written, implied, or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX Bank, APPLE CARD/GS BANK USA XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX never XXXX XXXX XXXX my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency XXXX also make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission, which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 02/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Hi, I made a payment to Goldman Sachs, who houses the Apple Credit Card, on XX/XX/2022. I was in the process of switching my checking account and I used the wrong account to pay my bill that day.
I realized either that same day or the next day, XX/XX/2022, that I had used the wrong account number ( that account had {$0.00} ) in it. I quickly reach out to Apple Card and explained that I would like to cancel that payment, if it was not too late to do so, and resubmit my payment with the correct information.
I resubmitted my payment of {$1800.00} on XX/XX/2022 ; however, it may have posted on XX/XX/2022.
I saw that my card had, and still has, the exact same amount I paid of {$1800.00} listed as a balance adjustment, which essentially means they added that same amount to my overall balance, which I now have to pay interest on.
I reached out multiple times to Apple Card to figure out how to remove the balance adjustment as they received the funds from the correct account. One person I spoke with along this journey told me the balance adjustment was a courtesy to me until my payment could be settled, and that it should drop off in a few days.
I waited the few days and I still see that my payment showed as posted on their app and that the money was indeed debited from the correct account but the balance adjustment still reflected on my account.
I reached out once again once a few days had passed, mainly just waiting to see if my balance would be adjusted automatically, but this was not the case. But I called and got to speak to a manager this time. Th gist of that conversation is as follows : I pleaded for the {$1800.00} BALANCE on my account, which I have paid, to please be removed from my ledger to reflect my true balance, which should be close to {$690.00} ( or something like that ). The manager told me that the balance adjustment is a courtesy to me. I do not find that this is a courtesy ; Im paying 15.99 % APR on a balance amount they have confirmed Ive paid, but they fail to remove the adjustment. I was told, in a roundabout way, that since I had cancelled a payment that this is the protocol. I kindly explained to the manager i spoke with that had I known me cancelling a payment would invoke this slew of processes that I would have ultimately waited for the banks to just sort it out and I wouldve resubmitted it in a few days. She even acknowledged that this is confusing and she is aware it doesnt make any sense but this is their process for when these events happen.
My credit limit has been increased two times, both without my consent, while this ordeal is still being sorted out. It got raised on/around XX/XX/2022 and then I get notified that today, XX/XX/2022, it has been raised again.
I would like to launch a formal investigation into Goldman Sachs/Apple Card . I feel that since I resubmitted the payment and it has posted that I no longer need the courtesy on my account.
I am unsure of the date I opened the payment dispute, but I believe it has been at least two weeks since I opened up my initial balance dispute and have gotten no response, only a credit limit increase.
I hope this is enough information; please let me know if I need to provide any further details. I uploaded screenshots from my bank app showing they have received their money.
|
| 08/13/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I opened a Marcus savings account on or around XX/XX/2020, I funded it with a XXXX XXXX XXXX account. Over the next few months, I made over {$70000.00} of deposits from a XXXX XXXX XXXX checking account ( these can all be provided upone request ) and some additional smaller deposits from my personal XXXX and another XXXX XXXX XXXX account. On XX/XX/2020, I attempted to wire transfer money for a down payment on a property to a third party, it was at this time they informed me that they do not do that, which is inconvenient, but fine, no problem there. I then set up a transfer of {$71000.00} to my personal XXXX account for the down payment.
The next morning, XX/XX/2020, I logged into my Marcus account to check on the status of my money and my account is locked ( it is still locked a day later ) so I can not see my balances.
I call in to find out that my wire never happened, and only then do they tell me that I can not fund my account from a business account, which most of my money has come from. The service representative agrees that they should have caught it, and it is their fault. I then decide to attempt to close my accounts ( I have this one and another ) and spend the next hour doing that. The representative gives me a confirmation number for each ( XXXX, XXXX ) and says it may take up to 3 days to get my money, which would put me in breach of contract for my real estate purchase, putting % 5,000 earnest money at risk. The representative, who I did not get the name of, informs me that she has taken notes on the situation.
Later that day, I get a call from Marcus and they immediately ask for my date of birth and social, which is insanely unsafe practice - I inform the representative of this and she claims to have written notes and that I can call them back. I call them back from the website phone number and get a different representative. He informs me there are no notes from any of my previous calls, he also tells me that he has no idea what my confirmation numbers are for. This means that the representatives are either lying to the customers, or the note system is broken, I advise him to elevate that. Knowing this I get his name, it is XXXX. He tells me, that we need to close my second account, which I had already done earlier that day ( confirmation number XXXX ) - we go through that whole process again and he informs me he will put it in the notes and that there is no confirmation number.
This whole time I am unable to login and see the amount or status of my money, and no one can tell me what is going on. This is more than {$75000.00} that I can not access and these problems should be caught not when I need to use my money, but when I am doing something that " isn't allowed ' like funding with a business account ( which really makes no sense as I could just move it into a personal account, then into the bank either way. It is 2 days in, and I really have no idea when I will have access to my {$75000.00}, this does not seem right.
Not only that, this has cost me over a half day of wages trying to get around the fact that I am going to be in breach of a contract and do not have a spare {$75000.00} laying around.
I do want to note that throughout this the representatives were extremely polite and apologized a lot for the incompetence of the bank.
|
| 07/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Company = Marcus by Goldman Issue = contractual obligation not met on {$100.00} cash promotion on {$10000.00} new money deposited with the bank for 3 months was not paid out due to a technicality in timeline ( despite multiple confirmation before, during, and after the promotional period by a representative of the bank that the account was qualified and met the requirement for the promised {$100.00} interest => hence the verbal contractual obligation mentioned ) Steps taken by myself= Multiple calls to the customer service center : Firstly, to confirm that the XXXX in deposit on XXXX was eligible to meet the bonus requirement in early XXXX given it was not on my mobile application. The representative confirmed the promotional was visible and active on her end but re-enrolled me per my instructions to be safe given my issue viewing it in the app. Then at least 2 more times during the promotional period ( XXXX ) with concern that I was not able to see the status of enrollment in my Marcus application. All three times, Marcus representatives confirmed to me in a recorded line that all requirements were met for the {$100.00} bonus in the system and I will receive the payment if I maintain eligibility until XX/XX/XXXX.
On XX/XX/XXXX ( two after weeks after the end of the promotional period XXXX ), I once again reached out to the customer service center regarding the missing {$100.00} cash payout. The representative informed me verbally that all the requirements have been met and the delay was driven by a technical issue for which she raised a ticket for me. I called back again in 2 or so weeks later on XXXX and the representative informed me that she also sees the promotional requirements are met but since there was already a ticket raised on my behalf there was nothing she can do. But she did confirm I can move my funds now without endangering my eligibility given I was advised not to do so by representatives in the past.
It was not until I checked in on XXXX, that the representative informed me that given XXXX my money transfer into a CD account with the same bank on XX/XX/XXXX made my {$10000.00} deposit on XXXX ineligible for the promotion and XXXX the first representative I talk to did re-enroll me but at a later date XXXX than the funds hit my account on. But this is a technicality that I refuse to accept because I kept my funds with the bank under the confirmation and promise of the additional {$100.00} of interest for the period 3 moths.
Steps taken by Marcus representatives following my complaints since XXXX thus far= I was told in the last call with a supervisor on XXXX that the guidelines in an email I received in XXXX should have been clear about the timelines I was expected to deposit funds and not move funds to a CD account which I did. But I have since disregarded this email given instructions and confirmation from a Marcus representative in XXXX and throughout the 3month promotional period.
Two tickets have been raised by Marcus representatives for my issue since XXXX : first one was resolved without posting the customer ( myself ) of the finding, which I assume was the timeline technicality that made my account ineligible for a promotion. Second ticket is raise for review on XX/XX/XXXX but no promises were made for any resolution.
|
| 09/20/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
Hello- this is a complaint against Marcus by Goldman Sachs . I opened a savings account over 2-3 years ago and have been slowly putting money in and out of the savings account. Balance at one point has exceeded $ XXXX and withdrew around the same amount.
In XX/XX/XXXX, I made a deposit of $ XXXX into my Marcus account because my daughter insisted I transfer funds there since their interest rate was much higher than what my local bank was offering. Then on XX/XX/XXXX, I wanted to withdraw $ XXXX in order to invest elsewhere. On XX/XX/XXXX, I received a voicemail from Marcus asking to call them back. When I called back on XX/XX/XXXX, I was told my savings account had a hold on it. They verified me when I called, I was able to answer all of the questions and they asked if they could send me a one time verification code. I asked them to send it to XXXX and they asked if I had another phone number that was registered to my name. I said no, since I have a shared family plan with one of my daughters. So they said they are not able to verify who I am over the phone and will need to send me an Affidavit of Identity. I asked to speak to a supervisor and was told none was available so I requested to have one call me back and also to proceed to send it to my address. No one called me back and I did not receive anything in the mail.
On XX/XX/XXXX, I called back and spoke with the same person I spoke with on XX/XX/XXXX, XXXX, who told me they have not sent the Affidavit of Identity and it's still pending approval and I should call back later in the week, I asked for a call back from a Supervisor and did not receive a call back.
I waited a full week, on XX/XX/XXXX and spoke to a XXXX who said it's still in the queue to be approved. I advised I was planning on filing a complaint against the company and if she could please let whoever is in charge know that I called back and would like to speak to a supervisor, they said they could submit a request for one to call back. I still did not receive a call back from a supervisor.
On XX/XX/XXXX I called again and spoke to XXXX, who immediately advised she would send me a one time code to verify me, which she did and I gave her that code. We were able to proceed with the call and she told me the letter was approved to be sent out today and it should take 1-3 business days for me to receive it. ( please note : this is how it all started, the first agent, XXXX, said she could not send me the one time verification code to a phone that was not registered in my name but XXXX was ). I did not request a supervisor call back this time because I thought the issue was being resolved.
Today, XX/XX/XXXX I still have not received the letter and called Marcus again. I spoke to Destiny, who advised the letter was just placed in the mail on XX/XX/XXXX and it will take 7-10 business days for me to receive it. I asked for a supervisor call back and she said she could transfer me over to one. I was on hold for 6 mins and was advised no one answered the line and she would submit a request for a supervisor or manager to call back but I could also call back at XXXX XXXX for a supervisor. I opted not to do that based on my history with this company and will check back next week to see the status of the Afidavit of Identity letter.
|
| 07/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I was a victim of spoofing where the criminals gained access to my Apple credit card, my Apple account and personal bank account.
Both my Apple credit card account and bank accounts were immediately closed. I filed online with IdentityTheft.Gov. My Apple account was hijacked. Therefore, I no longer had access to it and had to create a new one.
After a thorough Goldman Sachs investigation, it was determined that I was not responsible for several fraudulent charges on my Apple Card. For that, I was grateful.
In XX/XX/XXXX, I paid off my Apple Card account with Goldman Sachs. I received a XXXX balance statement.
Unfortunately, a month later, in XX/XX/XXXX, I received a statement with a balance for the reversal of the Apple Cash rewards on these fraudulent purchases.
I have tried three separate occasions to dispute the charges since I never received the Apple Cash Rewards, and all disputes ended with, When you make a purchase with your Apple Card you earn Daily Cash. This XXXX XXXX is transferred to your Apple Cash account for you to spend however you want or is accrued and can be applied as a statement credit if you do not have Apple Cash. If you return the purchase, we charge your Apple Card account to reclaim the Daily Cash. This charge is called a Daily Cash Adjustment. Your billing inquiry has been investigated by Goldman Sachs Bank USA and it was determined that no error occurred. As a result, the Daily Cash Adjustment credit provided has been reversed. Very generic and surface level response. Which leads me to believe no one investigated it thoroughly.
I spoke to 2 Goldman Sachs Supervisors who seemed to understand my frustration, but little was done to rectify the situation. I had to explain myself to multiple call center representatives and the follow through was just horrible.
For instance, I was transferred to Apple, who is incredible as usual. The rep listened and then transferred me to XXXX XXXX, who manages the Apple Cash. The XXXX XXXX rep was also amazing and proceeded to tell me I had not earned any Apple Cash as a result of those fraudulent purchases. Then, she got on the phone with Goldman Sachs, the Goldman Sachs rep says he documented my account, but my dispute was again denied!
My credit rating is wonderful. I have since filed disputes on this card account with all 3 credit bureau agencies.
I finally sent Goldman Sachs a certified letter with proof I never received any Apple Cash as a result of the XXXX fraud activity.
I have obtained 2 months statements from XXXX XXXX for both XX/XX/XXXX and XX/XX/XXXX. This is something Goldman Sachs dispute department SHOULD HAVE done when I disputed the balance. A simple call and email would have saved Goldman Sachs so much man power time and money.
Please note, as mentioned so many times before, I was never given Apple Cash for those fraud purchases made on XX/XX/XXXX. Therefore, Goldman Sachs can not ask me to pay them back for something I never received. I just want to be credited to my account for all of the reversed charges and any and all interest and or late fees. I would like an updated statement with a XXXX balance to show I am done with this account for once and for all. The fraud was a nightmare, but so was Goldman Sachs.
Thank you,
|
| 02/21/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Dear CFPB Officials and Financial Service Providers : I am prompted to write this complaint because, through no fault of my own, I have been effectively barred from the financial industry - and the costs of being un-banked are simply enormous. Even though I continue to earn money I am paid via U.S. checks and despite trying every bank that I could reach - none of them would cash the check without me first opening a checking account. And although I have tried opening a checking account at more than 40 separate XXXX - I continued to be denied access to even the most basic checking or savings account. Generally speaking, these banks do not tell me why I am denied, just that they have made a business decision to not offer their services to me ( although I continue to receive targeted advertising offers in the mail, through email, etc. ) I have lived for a while now paying excessive fees to have my checks cashed via special check cashing businesses but the fees are outrageous and the time spent waiting for a check to clear is often in excess of 10 days. I am very much at my wits end because I am not sure what else to do. I have tried repairing my credit but due to an unresolved identity theft event that occurred in 2013 - I am having difficulty doing so. I have even gone through all the steps to correct my credit report but the various financial institutions will not remove the false information despite multiple police reports, affidavits, etc. Additionally, twice I have gone through the lengthy process of applying for a new Social Security Number and twice the Social Security Administration lost my paperwork.
Without rambling on forever, I am attempting to resolve this situation by granting my Mother durable power of attorney rights in hopes that she will be able to sign and cash the checks I have received as well as provide basic banking services for me. In addition to the costs associated with paying check cashing processors, without a bank account I pay more for everything and am even denied by entire business sectors. For example, despite searching for months I have yet to find a health insurance provided that allows payment via cash, I am unable to take advantage of the savings associated with purchasing things online, I am barred from consumer services such as XXXX, XXXX, XXXX, etc - because I can not input a credit or debit card number, and I would say generally being without a checking account almost doubles the cost of living through increased prices, limited consumer services, and significant delays associated with cashing checks.
In light of this, I would ask that Goldman Sachs Bank honor the attached durable power of attorney. My mother and I have previously attempted cooperate with our local bank on how to resolve this situation but the necessary documents and instructions required of us are vague and keep on changing. Thus I am writing this complaint in hopes to spur a resolution that would provide remediation the problems associated with being un-banked.
Further, I wish for the bank to investigate whether the decision to deny me access to basic banking services has to do with the fact that I have reported fraud to the SEC, CFPB, and OCC concerning illicit account opening practices and BSA compliance failures.
|
| 03/16/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
1. Opened Marcus by Goldman Sachs Account on XX/XX/XXXX. All funds deposited to said account were cleared and ready for withdrawal as of XX/XX/XXXX.
2. Total balance in account was approximately {$5600.00} as of XX/XX/XXXX.
3. Attempted to make a withdrawal on the Marcus by Goldman Sachs website in the amount of {$5600.00} via ACH to my checking account at XXXX XXXX XXXX XXXX on XX/XX/XXXX.
4. Marcus by Goldman Sachs NEVER transmitted the ACH per my instruction in the amount of {$5600.00} as a result I did not receive MY funds the following day. Repeated calls to customer service stated that the ACH transfer was sent and to check with the receiving Credit Union. Customer service/their Supervisor had the intellect of a teenager and could not answer basic questions like the exact timestamp of the ACH. Customer service would not provide a 15 digit ACH trace number either. Attempts to speak with a higher level representative at Goldman Sachs Bank have been unsuccessful. The bank simply does not care and will not escalate concerns to higher levels of management. I was hung up on, screamed at several times by Goldman Sachs Bank customer service representatives. Marcus ' website advertises SAME DAY TRANSFERS of less than {$100000.00}.
5. Next business day on XX/XX/XXXX I received a phone call from XXXX in the Back Office ( XXXX UT ) in an attempt to confirm I performed the subject transfer via their website. Because the funds originated from different financial institutions to Marcus, she reversed ( money not back in my Marcus account until XX/XX/XXXX ) my transfer and told me it could not be completed UNLESS I transferred the original amounts back to their originating financial institution. She wanted to verify these were MY funds. Funny, Marcus had no problem accepting my funds for weeks but when it comes time to withdraw said funds, they provide all kinds of roadblocks trying to do so. XXXX said that my funds would be reversed and I need to re-initiate ACH transfers of exact amounts given to the originating financial institutions in order to get my money out of Marcus. I questioned the accountability of her statements and she hung up on me. This is because several customer service representative previously stated my funds had already left Goldman Sachs Bank via ACH in route to my financial institution as requested. No one knew the transfer was " stopped '' by the back office.
6. Furious, I contact Goldman Sachs Corporate Offices in XXXX XXXX. They assure me someone will contact me that can help. No one from Corporate or HIGHER level Management has contacted me to date. I have been in communication with a XXXX XXXX in Texas who is a Call Center Manager, but she does not even have the abilities to confirm/ensure ACH transfers leave Goldman Sachs Bank per her own words.
7. XX/XX/XXXX I re-initiate the ACH transfers as instructed by the representative in Marcus ' Back Office. My funds still have not been sent out via ACH.
Marcus by Goldman Sachs has stolen {$5600.00} of my funds and I do not have a pathway of getting the funds back. THIS IS THEFT. There are reports and complaints about this very problem already at the CFPB and on XXXX.
Why is this bank being allowed to do this to depositors? I want MY funds back!!!!
|
| 08/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that [ Goldman Sachs Bank USA ] absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
The company has been notified by me via mail by me, as well by all 3 credit bureaus XXXX, XXXX, XXXX. The company has refused to dissolve me from this debt and is continuing to pursue the debt and violating federal law and my rights under The Fair Credit Reporting Act, 15 U.S.C. 1681.
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Fraud Alert has been placed on a 3 credit bureaus, XXXX XXXX, Chexsystems, XXXX XXXX and other consumer reporting agencies.
An unknown person has been using my identity to open bank accounts, rent houses and apartments, open credit cards, obtain loans and other fraudulent activity. They have been using my identity to my knowledge since 2016. Accounts opened fraudulently in my name includes XXXX XXXX ( XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and more. There have been fraudulent addresses, jobs, businesses and telephone numbers that have been used fraudulently without my permission. Someone has been living their life for years pretending to be me, using these accounts to live a normal life while I suffer unable to buy a house, apartments, credit cards etc. as a result of Identity Theft.
I also request any legal action that was taken against me for this debt be expunged and removed from my public records.
I am requesting this debt is cleared from my records immediately. Failure to do so is violating law and my rights as a United States citizen under The Fair Credit Reporting Act, 15 U.S.C. 1681.
Included in this complaint is also letter of acceptance from the IRS, Identity Theft Report, Identity Theft Affidavit, Copy of my U.S passport for verification.
|
| 04/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/XXXX I received an email from Goldman Sachs saying my statement for XXXX was ready. I am unable to access my wallet because they have me blocked so I was unable to download my statement. I iMessages them and they told me it was sent to me on XX/XX/XXXX and I told them I had not received it. I asked them to send it again. I had to message them several times XXXX to be exact and they are unable to email me the statement and said they would mail it. I have yet to receive it. What are you trying to hide Goldman Sachs? They have blocked my email from receiving anything from them and after I messaged them they took away all my messages from me to them off my XXXX. That is so illegal. After I confronted them about this they put them back on. I have XXXX devices and they have no right to access my device. Thats pretty scary. I had an independent audit done on my account because they would not do it after I asked them too, why because they owe me and I have the proof. My lawyer needs the XXXX XXXXard Statement to finish his paper work. From the audit, on XX/XX/2022 XXXX XXXX credited my account for XXXX disputes totaling {$3000.00}, These were disputes of smaller amounts in the month of XXXX and XXXX. On XX/XX/XXXX XXXX disputes totally {$1100.00} was credited to may account from being resolved in my favor. On XX/XX/XXXX there was XXXX dispute resolved in my favor totaling {$530.00}. On XX/XX/XXXX there were XXXX disputes resolved in my favor, totaling {$8500.00} and these were not credited to my account. On XX/XX/2022 there were XXXX disputes resolved in my favor and those totaled XXXX. These were never credited to my account. On XX/XX/XXXX there were XXXX disputes resolved in my favor for a total of {$390000.00}. These were credited to my account. The disputes resolved on XX/XX/XXXX and XX/XX/XXXX you owe me for. They total {$17000.00}, that is what you really owe me. I have receipts for all of these so the merchant did not have any resolved in their favor. You are complete liars. I had a total of XXXX ruled in my favor and that includes the XXXX that XXXX XXXX covered before they really became disputes. There are still XXXX dispute that you are hoarding and I am not paying them because you can take it out of what you owe me. The total of fraud that was added to my charge card is {$25000.00} not counting the last XXXX. All the disputes were resolved in my favor and I have the proof. You are complete liars and are corrupt. You have 30 days to pay up or we will be going to court and my attorney says we will be suing for a lot more than {$10000.00}. More like millions!! It was fraud and you can not say that because you are in cahoots with Stripe. I also know XXXX XXXX has Strip because I have their evidence that you sent me and they will not go to Arbitration because Stripe will not back them up! So you lied on every dispute to save yourselves from having to pay. If you still think you are going to charge me for the last XXXX disputes I am requesting arbitration with XXXX. My attorney has viewed all my evidence and he also said it was fraud. I will send docs. But I am not sending all the disputes I won because you have them. You are such a disordered mess and you cant count so have fun searching for your copies!!
|
| 04/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I opened an apple Credit Card XX/XX/XXXX, and have always made large payments paying off the entire balance every month in many cases I pay several times per month. Recently Apple gave me a credit line increase towards the end of XXXX. I made a payment of XXXX on XX/XX/XXXX and noticed on my app there was no available balance after the payment was made. I call in to to customer service to see whats going on and was notified my card was closed. I replied why is my card closed, I am making my payments on time, the rep said I dont have that info all I know is your card is closed. I proceeded to ask for a Supervisor and was transferred over to XXXX. We began discussing this situation and the supervisor said this must be an error and he see that I have done nothing wrong and stated he will forward request to have this situation reviewed as this account/card should not have been closed. The manger said there are no notes indicating that communication was sent to me either by email or Mail notifying me that my account was closed and providing no reason for closure. The supervisor also stated the card company charged me twice for XX/XX/XXXX and XX/XX/XXXX for payment reversal which should have only be charged once. I received a call a few days later from some one from the customer advocate team at Apple Card or Goldman Sachs stating the card is closed and to refer to the cards terms and conditions. I replied there are several things listed in the cards terms and conditions, how can I know what I specifically have done by reading terms and conditions. I proceeded to explain that per their company policy I should have been provided either an email or Mail listing why the account was closed, and since this did not happen she needed to provide me the reason and not tell me to read terms and conditions to try and quests why my card was closed. I am making payments on time and in large amounts. She replied she doesnt have this information. I tried to login to obtain my credit card or account number in the Apple app and they have taken away my access so I can even list the card or account number to refer in this complaint. I decided to call Apple Card again today, XX/XX/XXXX and requested to speak to another supervisor, name is XXXX, she also reviews this closure and said I did nothing wrong, and can not understand why this was dont to me, said this was completely mishandled and she is raising this to all her supervisors. She said the card was closed for abuse and failure to comply with terms. I asked for prof of how I failed to comply and what specifically I did, she said she reviewed my history and there is nothing I did. If anything improper was done it would be from the credit card themselves. They should not punish their cardholders that did no wrong doing, no investigation was done to support anything.
This is ridiculous no one from the credit card send me any written communication, they have no idea themselves why the card was closed and now closing the card on my credit report has significantly impacted my credit score. This closure is completely unjust and is only at the fault of this credit card institution. This is documented by two separate supervisors from the credit card company. They can simply pull this up.
|
| 08/09/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
It was {$68.00} from XXXX XXXX ( XXXX ) from XX/XX/XXXX XXXX dispute # XXXX from Goldman Sachs Apple Card XXXX I ordered a sofa table that was supposed to be made from authentic XXXX frame and came equipped with original headlights and led lighting that can be plugged in. Instead, I was sent a 2 inch toy that resembles the item ( just very little ). The item was found on an online catalog from XXXX. The catalog stated that if unhappy with the product, for any reason, a 100 % refund can be requested. Every time I wrote the merchant, they offered me 10 % all the way up to 75 % back on the last email. I have been disputing and redisputing this for almost a year now with Goldman Sachs. Every time I call, I get very sympathetic reps that side with me that this was fraud, but tell me the final decision is up to someone else. So about every 3 months, I get a message from Goldman that they are siding with the merchant based on my lack of evidence. I have sent them a picture of the merchandise in the online catalog and a picture of the broken toy I received. The merchant took down their online store. Its obvious to me, from the first time they offered me 10 % back that this was a scam. I asked for the original item or 100 % refund. I was told they cant send the original item back and then offered the partial refund. I sent both photos to Goldman as well as all the corresponding emails between the merchant and myself. Still, they sympathize and then reject my dispute, siding with the scammers. Im writing to you since I have been rejected 5-6 times now. They say each time that they understand what happened and they will try their best to resolve the issue, but its the same each time. After reading an article online, I discovered that Goldman Sachs has had quite a few complaints regarding settling these type of cases because they have been overwhelmed and under staffed. I get that. Still, I keep thinking that if this was a domestic company, it could have been resolved the first time. Every time my dispute is rejected, they put the amount back on my card and I have to dispute it again once more. Then I receive in the mail a letter explaining why it was rejected. The problem with the letter is that its printed very small, it usually is faded and hard to read, and it gets cut off on the right side. The best I can make out is that they need more evidence. Im pretty sure I have submitted more evidence than the merchant has. The only thing that must be holding this up is that I havent mailed the toy back. In the majority of the emails, the merchant asked me to please keep it and not send it back. Until the last email, they told me I could send it back at my expense and that they can not be responsible if it gets lost in the mail. To me, it would be futile to send it back. These people were scammers to begin with. They need to have some type of legal ramifications or at the least, take their ability to use visa or master charge away. I used this card so I would have protection from scammers. It just seems, Goldman Sachs is siding with the wrong side. Ive done everything Ive been asked to do. I recently disputed this about a week ago for the 6th or 7th time. I appreciate if you can help me to settle this once and for all.
|
| 09/07/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
I have opened a Marcus Savings Account ( XXXX ) from Goldman Sachs for saving money for a family emergency. I still have {$150000.00} locked in their account and they are refusing let let me withdraw my own money.
They have consistently lied to me. One of their frontline teams would take my request to transfer my money out. Their security/fraud team would later cancel the transaction and lock my account consistently.
They kept giving me misleading reasons for locking my account contradicting what their previous agents say. They re-used the same transactions that they referred to for locking my account to lock my account again a few days later.
I told them repeatedly that I can't move my money back to the original accounts as they don't exist. They refuse to let me withdraw my money and they refused to close my account.
They have caused me severe emotional and mental distress by continuing to lock my account and forcing me to call them several times a day and keep verifying my information again and again.
My account was locked over 5 times in 2 weeks. My transfer requests were denied more 6 times.
Here 's another example of their blatant lies. I made a request to close my account after I couldn't take their harassment anymore ( request # XXXX XXXX ). They promised to close my account and said that they checked with their fraud team that my account would be closed for sure. Few days later, they cancel my request claiming that money has to the original account. As stated earlier, I already cleared with their fraud/security team that I don't have the original accounts opened for the money to go to.
After hours of phone calls, transfers, talking to their supervisors, I requested them to close my account and send my money asap ( request # XXXX XXXX ). They again checked with their fraud team, let me know that everything is good, made me wait for a few more days and canceled my request again and locked my account again. They lied again Their harassment and targeting of me continued. I again made a closure request, begged and cried over the phone to help me access my funds ( request # XXXX XXXX ). They again canceled my request sneakily and locked my account again.
At this time, I have taken severe financial losses and tremendous emotional and psychological pain because of the way some of their agents lied to me, disrespected and continued to contradict each other. I had to call them over 12 times today. I had to verify myself over 15 times just today. I had to get my account unlocked again and again. They would promise to call me to complete the verification but not call me back every time they were supposed to. I made another attempt to close my account ( request # XXXX XXXX ). They again promised to send me my money to my home expeditiously and after being lied to and played by their support team members. They continue to lie to me and continue to target me for some reason.
I do not understand why they are being so cruel, disrespectfully and not close my account and continue to torture me. I cried over the phone with their agents. I begged them over the phone. I expressed my pain and suffering pretty much every day over the last few weeks. They are relentlessly working hard to destroy me.
|
| 03/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In XX/XX/XXXX, XXXX setup an automatic payment for my Applecard with Goldman-Sachs. I mistakenly set it up for the full amount XXXX {$2200.00} XXXX instead of the minimum. Within hours of doing this I caught my mistake and called GS to remove the payment. The associate I spoke to said this would be no problem, he would delete the payment and it would be like it never happened. I made my minimum payment and thought everything was fine.
A couple days later I see a credit in my account for the entire balance of my Applecard from GS. Before I could call to verify what happened, it was removed from my account via ACH withdrawal 3 days later. This left me overdrawn in my banking account.
I called GS immediately and asked what happened. I was told someone would get back to me in 10 business days. I asked for an internal ticket number or confirmation number, something to tell me this was raised as an issue in their system. I was told no such number exists for them and to be patient.
No one called. I called back XX/XX/XXXX and was told they would enter a statement dispute for me, which needed to be reviewed by a speciality team of managers and could take up to 30 but would reflect by the time of my next statement. I asked to speak to a supervisor. This supervisor XXXX XXXX XXXX advised that a payment dispute would instead be done, since my account got hit twice with the same reversal. I was told I would receive an email within 10 days of final decisions. XXXX also confirmed for me that no one had yet looked at my previous dispute.
No contact was made to me so I followed up on XX/XX/XXXX. I asked to speak with a supervisor immediately. This supervisor XXXX XXXX XXXX confirmed that my payment dispute had been rejected, as no error occurred. XXXX told me to expect a manager to reach out to me within 10 days and he created another dispute for me, just to advise the payment dispute team with what happened.
I followed up on XX/XX/XXXX. The associate ( XXXX ) let me know that the payment dispute was again rejected and closed. I asked her what next steps I could take and she advised me to dispute with my bank.
I followed up on XX/XX/XXXX via text. The associate advised me that my XX/XX/XXXX dispute was actually still open. I asked to be escalated to a supervisor. This supervisor XXXX XXXX XXXX confirmed that the dispute was still open but took no other actions.
I followed up on XX/XX/XXXX and spoke with XXXX, who requested a callback for me from the payment dispute team. I never heard from anyone.
I followed up on XX/XX/XXXX and spoke to XXXX. She offered me a statement dispute, which I declined since both a statement and payment dispute had been done previously without a resolution. After XXXX spoke to her supervisor separately, she told me she would open a level XXXX which meant a supervisor would be reviewing my account from XXXX to now and get back to me. When I asked for a timeline for this review, she said two billing cycles. I asked if there was anyone else I can escalate to for a faster review and was advised there wasnt.
At this point I have been paying double my previous minimum payment amount, accrued interest on a charge I should not have, and taken a large hit to my credit score.
|
| 02/28/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
From your website : The Goldman Sachs Group , Inc. is a leading global financial institution that delivers a broad rangeconsumer banking to a large and diversified client base that includes individualsWe aspire to be the worlds most exceptional financial institution, united by our shared values of client service, excellence, partnership, and integrity. This is so not true. You obviously have no idea what is happening with YOUR online bank-Marcus by Goldman Sachs XXXX
I had an external checking account that was hacked. I gave no authorization for any funds to be withdrawn, yet, {$250000.00} was withdrawn by hackers who used my internet protocol ( IP ) address to move those funds into my XXXX XXXX XXXXXXXX checking account. From there, they created their own XXXX XXXX XXXX checking account, moved the funds into that account and withdrew it. The Marcus by Goldman Sachs investigation was limited to the fact that my IP address was used to move the funds from Marcus to my account. With that overwhelming investigation, they closed the case. I had {$250000.00} in your bank. I NEVER AUTHORIZED ANY WITHDRAWALS. The investigation was shoddy, negligent in the facts, and cursory in its desire to understand what happened. When XXXX XXXX Florida XXXX XXXX tried to explain how these actors had invaded my accounts, Marcus indicated there was no need for them to understand. Not one XXXX, of those funds that were withdrawn, was ever authorized by me. Marcus agents even wanted to return a wire to a bank I didnt even know existed. I would expect that as a long-time account holder, there would have been a real investigation. More than likely, those funds were laundered to fund XXXX activities. Do you care?
Failure to notify me of such notable activity in my account leaves no excuse other than negligence. Marcus should do a thorough investigation. They have refused to contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Mobile : XXXX XXXX XXXX The Consumer Sentinel Network details several similar scams with the same names of XXXX XXXX and XXXX XXXX who used a computer program called XXXX which was used to secure my computers and phone. That there is a criminal investigation ongoing with case number XXXX, and Marcus is not doing their due diligence in contacting the detective working the criminal investigation. This is a nationwide scam, and there could be liability on your part by not completing a thorough investigation. These scammers terrorized me by saying my children were at risk. They knew where my grandchildren went to school. They even sent someone to my home. I do not understand why such a reputable company, such as yours, has no desire to know the facts and return my funds. Wait time on the phone is incredible. Calls are cut off, and it is not uncommon to be sent to different departments with extraordinary wait times. No representative has the authority to say or do anything, and even in a conference call with XXXX XXXX, they had no interest in helping us or wanting to know what happened. I am XXXX years old, a recent XXXX, and you allowed my funds to be stolen. My account was closed, and was told that I would never be able to open an account with that bank.
|
| 03/10/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
In XX/XX/XXXX, I opened a new savings account with Marcus ( part of Goldman Sachs ) in response to a promotional offer : deposit {$100000.00} in new funds and after six months the promotional offer of {$300.00} would added to the account. Approximately mid-XXXX XXXX, I contacted Marcus by phone to wonder when exactly the {$300.00} would post. At the time they said that my inquiry would be escalated because the woman on the phone was unable to help me.
Meantime I had learned of a second promotion that if there were an additional deposit of {$10000.00} for three months, the promotional offer of {$100.00} would be added to the account. I thought that was good so I transferred {$10000.00} into Marcus on XX/XX/XXXX. I was told that the {$100.00} would post approximately early XX/XX/XXXX.
Time elapsed and no one got back to me about the {$300.00} original offer related to the {$100000.00} deposit. During the first week in XXXX I called Marcus again for two reasons : ( a ) what was the status of the {$300.00} promotion and ( b ) I had just seen a seniors advertisement in XXXX in which XXXX Members were being offered XXXX basis points to open a Marcus account. I couldn't believe it! I told the woman I had been an XXXX member for 12 years at least and was never offered XXXX -- - my account opened at XXXX basis points! I was really mad. Furthermore she said that there was no verification that I had enrolled in the original promotion for the {$100000.00} deposit of new money into Marcus in XX/XX/XXXX entitling me to {$300.00} promotional bonus after a six-month period in which the balance was maintained... WHICH IT WAS.
She said she was very sorry but there was nothing she could do. I said I felt as if XXXX stomped on me! All they have to say is " no '' and what am I to do about it? My husband and I have been XXXX XXXX clients for our entire 30-year marriage and I already had opened a high-yield XXXX savings account for XXXX basis points but there was no bonus. THAT IS WHY I OPENED WITH MARCUS!!!!
I told her I would be complaining to the regulators but all she kept saying over and over was that there was nothing she could do. As far as XXXX was concerned, she said that unless I told Marcus at the time that I was in XXXX it was not up to Marcus to offer that promotion! I said there you have the problem in a nutshell! Words were exchanged and to calm me down she said she would change my rate of interest to 60 THAT DAY but not retroactively! Can you believe it?
I had opened the account while we were living at XXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXX, and then we sold that house and moved to XXXX where we live now at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Because I was unsure with what agency to file the complaint -- XXXX XXXX XXXX XXXX -- I reached out to the Secretary of State for the State of XXXX. I asked which would be the better agency. The officer responded that Marcus via Goldman Sachs is a commercial bank and as such, she did not think I should file specifically with XXXX XXXX XXXX XXXX... she suggested I file with the CFPB because CFPB would make sure the right individuals in the right place would get the complaint.
And that is what leads me to this complaint today.
|
| 06/30/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
Older American, Servicemember |
|
I have a problem with Goldman Sachs ( Marcus ) that commenced in early XXXX of this year and has not been resolved to date, more than XXXX months later. The bank moved my {$65000.00} CD investment into an inaccessible XXXXosed Accounts File on XX/XX/2023 and has refused to provide me with any verbal or written information defining the problem or the action required on my part to resolve it. They did suggest that I contact Marcus if I had any questions. Since then, I have spoke to Marcus at least 6 times ( I have phone numbers and dates of the calls ). The calls were recorded by Marcus. All verbal and written communications, after the Confirmation of Account Closure, have been initiated by me with absolutely no success.
On XX/XX/2023, Marcus linked my Synchrony Bank account for a {$200000.00} transfer to a CD Account at XXXX XXXX APY, and a {$5000.00} transfer to a Savings Account at XXXX XXXX APY ) and my XXXX XXXX account for a {$65000.00} transfer to an 18 month CD at XXXX XXXX XXXX APY ).
The total {$210000.00} Deposits from XXXXXXXX XXXX were reversed on XX/XX/2023. Apparently, my XXXX accounts were locked for security procedures due to a hold that I had placed on all transfers from my accounts several years ago. Once I became aware of the security lock, I spoke to XXXXXXXX XXXX and they rapidly reestablished access to these funds which, thankfully, remain in XXXXXXXX XXXX
The funds appear to have been placed in the Closed Accounts File by the Marcus Fraud Department. It now appears that they wish to identify me. During an early XXXX call, I was informed that they had sent me a letter providing information on their requirements for identifying me.
On XX/XX/XXXX, I called and told Marcus that I had not received their letter. They stated that the letter had not been sent, but they would again send a second letter.
On XX/XX/XXXX, I took the initiative and sent Marcus a letter resuming my problem and sending the following notarized documents : Birth Certificate, Military Discharge ( XXXX XXXX XXXXXXXX XXXX ), U.S. Passport, Driver 's License ( FL ), and Social Security.
On XX/XX/XXXX, I again called ( nearly a XXXX hour call were I spoke to 3 different levels of management, remaining on hold most of the time ) to tell them that I had not received the second letter. An check of my address showed that they had the correct address. They recognized that the notarized information that I sent them was sufficient proof, but it had to be submitted on a Marcus format. I asked that their attempt to send the third copy of the letter should be by e-mail, certified mail or, better yet, by XXXX. I also offered to pay the associated costs, if that were the problem. I was left with the impression that a third letter, emails, certified mail and XXXX services required higher management level approval. There was no commitment to resend the third copy, so I am left in limbo.
Time passes rapidly - it has been 6 months since I opened my CD account and I have received no written and little verbal communications defining the problem or the action required on my part to recover my investment and the corresponding interest. That is all I want - an apology would also help.
|
| 04/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX XXXX Apple Card XXXX XXXX XXXX Dispute case XXXX On XX/XX/XXXX, after a used computer was delivered to my house, I reviewed all credit card statements and identified four transactions on my Apple Card that I didn't make. I reported the four transactions on XX/XX/XXXX to Apple Card and filed a Police Report. Apple Card/Goldman Sachs changed the credit card number and added security. In total, there were three transactions with XXXX, and one with XXXX XXXXXXXX XXXX. Goldman Sachs credited all four transactions.
In XXXX, one transaction from XXXX for {$1500.00} was returned to my billing statement. After I requested it, Goldman Sachs sent an undated letter from XXXX stating address matched my account and package had proof of delivery. I called XXXX and XXXX determined that my account, labeled as XXXX ' had no activity in eleven years but a new account had been created, XXXX ', and that was the account the purchase was made from using my credit card. The new account had my name and my address. XXXX provided me an E-mail indicating there was fraud and I provided this to Goldman Sachs via the 'no-reply " email address, attempted to send through Chat session, through USPS mail, and eventually through certified mail with return receipt. To date, I do not know if Goldman Sachs has the evidence ( XXXX Email and Police Report ).
Goldman Sachs has now added the charge back on and I have put it back in dispute several times. I've also contacted XXXX again and have received another e-mail indicating fraud on the account. I've sent the E-mail from XXXX received in XX/XX/XXXX via certified mail, return receipt.
Goldman Sachs called me to confirm that I still have the computer - and I do, since the Police recommended that either XXXX or Goldman Sachs need to coordinate a return since I was not a party to the transaction. XXXX will not provide me any information on the merchant to try and resolve this directly. Goldman Sachs is claiming since I am in possession of the computer, I am responsible for it. The Police are saying they will not take the computer because no one has reported it stolen. XXXX is saying they can not help and I need to resolve this with my Goldman Sachs. I am stuck and need help to resolve this.
There was fraud that occurred between XX/XX/XXXX and XX/XX/XXXX. All the other transactions flagged as fraud have been closed except this one and I would like to resolve it. I am the victim of a fraudulent transaction, a cloned account with my name, address, personal information was used to make this purchase using my stolen credit card information. I have stated numerous times that I am not a party to this transaction but a victim. These facts are either not being taken into consideration or are being dismissed by Goldman Sachs.
To resolve this, I would like to send the com
puter to the return address on the shipping label on the box it arrived in and am requesting written confirmation from Goldman Sachs to proceed. I am requesting a written statement from Goldman Sachs that once I can provide delivery proof that I have sent the computer to the return address listed on the shipping label, that Goldman Sachs will close this dispute in my favor.
|
| 03/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
|
I need to set the record straight, sorry CFPB but I can not let this Bank take advantage of any other customers. They are doing corrupt business practices and they need to be investigated.
1. First of all there were 13 {$1000.00} charges and I will attach them.
2. They were all fraudulent charges even though in their response to my first complaint they stated they found no proof of fraud. The reason why they are saying that is because they are tied in with Stripe and have an agreement with them that if fraud is reported it falls back on the bank. Stripe is also tied in with XXXX XXXX which is based in XXXX one of the most corrupt countrys in the world. I will send you proof of that. The merchants evidence came from XXXX. I have chats from their specialist stating they were all reported as fraud and I will enclose those chats.
3. Goldman Sachs says there were 74 disputes. If you add up all the disputes that I won it comes to 83. This is calculated from the numbers they gave in their response to my previous dispute. They say 10 were duplicates and was reversed in my favor. Then there were 29 disputes that were resolved incorrectly and they were reversed in my favor. They stated that I reopened 57 transactions in XX/XX/2023 through XX/XX/2023 and thats a lie. There were only 5 reopened in that time frame and I will send them. Out of those 57 disputes they state that 44 of them were resolved incorrectly and were resolved in my favor. Thats a total of 83 disputes in my favor. This is a bank and they cant add? They state there are 13 disputes left that they are investigating. That brings the total of 96 disputes total. There are only 5 outstanding and 4 of them is for XXXX and XXXX for XXXX. This is a bank and we are suppose to trust them with our money! My account has a XXXX balance and I had already payed those charges for XXXX before the disputes were even made. I have proof. I made a XXXX payment in XXXX.
4. They stated in their response that the Bank confirmed the credit reporting is correct and accurate, another lie.
5. I received this morning from Apple Card notifications of dispute adjustments to my account and I will send them XX/XX/2023. These were resolved in XXXX and they are just now crediting my account. There are still XXXX more {$1000.00} to be credited to my account. The reason they did not credit my account when they were processed is because it would have made my line of credit to have a plus of {$10000.00} or more. They would have to give that money back to me. That is why they closed my account.
6. All these disputes are fraudulent and they know it. I never gave XXXX XXXX my account number, CVV number, PIN number, I do not use the fingerprint ID or Face ID. I did not authorize any of these transactions. The XXXX address that XXXX XXXX provided as evidence is not mine.
I do not tolerate corrupt activity and do not want this to happen to anyone else, but have to think with all the complaints I have read on XXXX I have to think they have done this before and I am not the first, They have blocked me from accessing my account so I will not receive my monthly statement. This has really made me mad and they need to be investigated.
|
| 03/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
On XXXX XXXX XXXX, we refinanced our mortgage through XXXX. XXXX created a Note and Deed of Trust, later placing our note into a pool of trust known as XXXX loan trust XXXX. Now ; documentation shows that XXXX XXXX mortgage does not own this note or deed of trust. XXXX XXXX mortgage went chapter XXXX in XXXX Delaware in XXXX. Then, documentation shows that Goldman Sachs purchased this Note/Deed of trust in XXXX from the XXXX XXXX mortgage trustee. In XXXX, XXXX Bank which is the trustee for this note and trust ( XXXX loan trust XXXX ) stated in an email that XXXX funding is the issuer of the asset backed security. This company is technically the owners of this note as of XXXX, per XXXX Bank the trustee! Now, XXXX funding and all of it 's affiliates went chapter XXXX in XXXX Delaware in XXXX and was ordered to sell all their assets. On multiple occasions, I had sent certified letters to our servicers, XXXX Bank, Goldman Sachs and requested to know who owns or who is the investor of our note, I also requested assignments going all the way back to New XXXX Mortgage so I can know who were the previous investors and who the current investor of our note is. As of today, no one has provided the information that I had requested. Now ; everyone has been talking about the XXXX movie. This movie was based on actual events, regarding the build up of the housing and credit bubble during the XXXX. In XXXX, eccentric hedge fund manager XXXX XXXX discovered that the XXXX housing market is extremely unstable, being based on subprime loans that are high risk and providing fewer and fewer returns. Predicting that the market will collapse sometime in the second quarter of XXXX, he realizes that he can profit from this situation by creating a credit default swap market, allowing him to bet against the housing market. Later, trader XXXX XXXX hears of XXXX actions and soon realizes that XXXX predictions are likely true. He decides to put is own stake in the credit default swap market. Then a phone call was placed to hedge fund manager XXXX XXXX to alert him. The XXXX discovered that the impending market collapse is being further perpetuated by the sale of collateralized debit obligations ( CDOs ), groups poor loans that are packaged together and given fraudulent XXXX ratings due to the conflict of interest and dishonesty of the rating agencies. The market as you well know collapsed just as XXXX XXXX predicted and he produced 489 % profits from the plan! Now ; I believe that these large companies, Banks or investors failed to keep track of there mortgage assignments which are required to prove ownership of the asset backed security like our note/deed of trust! Our note/deed of trust was placed into XXXX loan trust XXXX. XXXX are the letters for Goldman Sachs reality which is a company that is owned by Goldman Sachs. I also believe that Goldman Sachs like other Banks and investors took part of these fraudulent activities. XXXX loan trust does NOT own our note/deed of trust. I believe that Goldman Sachs and XXXX Bank is not providing who the current investor is, possibly due to fraud and no assignments are available which would prove ownership of our Note/Deed of Trust!
|
| 06/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
In XX/XX/2023 my wife XXXX and I opened an online savings account with Marcus by Goldman Sachs. I immediately linked my XXXX XXXX account and transferred {$3000.00} to my new Marcus Account. I was notified 2 days later that the deposit was received. Shortly after my account was locked. I discovered this when I tried to log on to the account via the app for XXXX. I called on XX/XX/XXXX and spoke to a Marcus rep for 17 minutes and I was told that my account was locked because my phone number is not linked to my name. As a side note I have 2 other banks and 3 financial investment businesses that I use fine with this phone number. I called Marcus again on XX/XX/XXXX and was on hold back and forth with Marcus reps for almost 40 minutes. I asked them if it was possible to just send the money back to XXXX XXXX and close the account. They said that they could not do that and accused me of being " suspicious ''. On XX/XX/XXXX I received a generic email stating that my account had been closed. There was no information about what happened to my money or how to obtain my money.To this date no one will provide an answer as to what happened with my account. I immediately called and I had to call back 3 times to find someone who could help me. The first cal was 12 minutes, the second call was 22 minutes, and the third call was 9 minutes. At that time I was traveling in XXXX. I explained to the rep that I would be home on XX/XX/XXXX. She told me that we would have to sign and notarize a document to receive our money. At that point I said ok please send the document. When I arrived home there was no document from Marcus. I called again on XX/XX/XXXX for 15 minutes and I was told " sorry '' and new documents would be sent out. I was told that I would receive them in 3-5 days. On XX/XX/XXXX I called back because I still had not received the documents. I was told by a Marcus rep that it is actually 7-10 business days so I would need to wait until XX/XX/XXXX and that the documents were sent on XX/XX/XXXX. On XX/XX/XXXX I still had not received the documents. I called Marcus again, this time for 52 minutes talking with reps and being put on hold why they research my situation. I was told by the second rep that the papers were resent on XX/XX/XXXX and it would take 7-10 business days to receive them. I politely explained that this is not acceptable. I have been waiting for these papers since XXXX and I have not had access to my money since XXXX. I asked her if Marcus could produce evidence that the papers have been sent. She said they could not. I asked if the papers could be sent with a tracking number and/or a signature requirement and she said they could not. It is ironic that Marcus locked my money and closed my account because they claim my phone number could not prove who I am, but now they are holding my money and providing no proof that they are working to restore it back to me. At this point I want my money returned to me immediately without any cost to me ( notary cost ). Other banks have ways of confirming ID of their online customers ( XXXX XXXX for example ). This does not seem legal. Please advise me how to get my money. Do I need legal assistance?
|
| 08/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2022 a fraudster used my Goldman Sachs Apple Card to purchase a flight {$69.00} on XXXX XXXX. ( They also made 2 other charges on the Apple Card for a total of {$500.00} or so, and {$50.00} on another card, but I was able to resolve those directly with the merchants. ) I reported the fraudulent charge to Apple cards support 3 minutes after it was made on the 26th. Apple stated they would email me if they opened a dispute. I also reported the fraud to XXXX.
On XX/XX/XXXX XXXX issued a provisional balance adjustment. I submitted On XX/XX/XXXX I requested an update from Apple who did not provide one.
On XX/XX/XXXX I opened a report with IdentityTheft.gov On XX/XX/XXXX I requested an update from Apple and they provided a dispute number. I also got a response from XXXX stating " You would need to contact your credit card company regarding any fraudulent charges and they in turn would contact us with the full credit card information. '' On XX/XX/XXXX I advised XXXX that I had reached out to the card. XXXX XXXX responded " I understand this is frustrating however, the card company follows procedures to notify us. All actions would be handled through the card company for both fraud and any dispute of charges. '' On XX/XX/XXXX I advised XXXX that they ( unlike the other merchants where fraudulent charges were made ) were not very helpful. They stated they were going to " follow up with our Revenue Accounting Department and will be in contact as soon as possible '' On XX/XX/XXXX I requested an update from Frontier.
On XX/XX/XXXX I again requested an update from XXXX.
On XX/XX/XXXX ( today ) XXXX XXXX advised " Our credit card processor receives disputes on a regular basis and adds documentation to the reservation, without proper documentation on record, we can not refund the reservation for victims of fraud. Can you please provide any information from your credit card company regarding the dispute? '' On XX/XX/XXXX ( today ) I requested an update from Apple and advised them to get in contact with XXXX. They stated that they are " not sure whether our investigative team has spoken to the merchant '' but that they could " review the dispute to see if there are any updates ''. Apple then stated that the dispute was " processing ''. I provided the name and contact information of the lady at XXXX who had been responsive. I then used the language in the letter from IdentityTheft.gov to request " a written explanation of all investigative actions and findings In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) ''. Apple advised that they could not do so stating " As far as what is being done within the investigation, or the steps of the Investigative process, or the nature of the process is something that is Proprietary. We can give you the steps on what happens within the dispute process, however our actual instructions on how we process the dispute is the Intellectual Property of the company. I apologize if that is what you were asking for. '' I asked for a supervisor and am currently awaiting their response.
I have kept a contemporaneous log of all time and efforts I have spent on this matter.
|
| 05/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX, I initiated a transaction of {$14000.00} from my Marcus account to my own XXXX checking account. I needed my money to arrive by XX/XX/XXXX in my XXXX account. On transfer Marcus said it would take 1-3 business days to transfer my money. So I had one buffer day as XX/XX/XXXX would be the third business day.
On XX/XX/XXXX, Marcus locked me out of my account. They made their first communication attempt to me on XX/XX/XXXX but since I am out of the country I could not take the call. I have been trying to reach out to them since XX/XX/XXXX. I have called them 4-5 times total but they did not provide any resolution. They told me they will call me. Since I am out of US, they said they cant unlock my account because they cant reach to me on my number. I told them to contact me on my email or alternate phone number but they said to me to give them a call back when I am back in US. When I told them I am filing a complaint on CFPB, they gave me a call back right away on my alternate number. The agent told me that I can withdraw money to my funding account only, to withdraw money to my non-funding account I need to wait for 90 days. I had used my XXXX account to fund about {$9700.00} and the one of the other funding account was XXXX. I had closed my funding account ( XXXX ) when I transferred my money to Marcus so essentially I have my money locked with Marcus for 90 days.
XXXX told me that according to their deposit agreement ( Section VI : Deposits and Withdrawals. Subsection XXXX ) they XXXX place limits to my withdrawal and they will let me know of such limits at the time of scheduling my XXXX transfer.
heir first attempt of communication from XXXX was made on XX/XX/XXXX and I scheduled my XXXX transfer on XX/XX/XXXX. So they XXXX have take at least XXXX day to try to communicate the limit. I did not get to know about this limit till XX/XX/XXXX when I called them back. There is a violation of the agreement I should have been told on XX/XX/XXXX itself about the limit. On confronting them about this they told me that they needed time to research about this.
So at the end of the day I am not allowed to use my OWN hard earned money. I do not have freedom to withdraw my money to my own accounts and XXXX comes up with random restrictions on withdrawals and they violate the deposit agreement causing trauma to me. I have spent about XXXX hours on phone with their agents to get money moving from my account.
On XX/XX/XXXX, they allowed me to withdraw {$9700.00} to my XXXX account saying that this was the cumulative amount that came from XXXX to XXXX, so they can let me withdraw only that much and it should reach to my chase account in XXXX XXXX business days. I have to deal with the uncertainty of getting money into my account by XX/XX/XXXX. And even if I do get {$9700.00}, I have to manage {$5000.00} ( $ XXXX {$9700.00} ) in my XXXX account to avoid the loss of {$600.00}. On top of that XXXX XXXX not pay me the interest on {$14000.00} from XXXX XXXX XX/XX/XXXX as they kept my money on hold.
This is a pathetic display of financial service by XXXX causing trauma to its customers. Strict action should be taken against them.
|
| 08/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We were forced to file another complaint against Goldman Sachs due to the CFPB marking case # XXXX a duplicate. The facts are, Goldman Sachs failed to respond to complaint # XXXX within the 60 days allowed. The CFPB Directors Office stated that if the business fails to answer all of our questions or fails to respond, consumers are allowed to file another complaint until the consumer gets an answer! Our complaints are NOT duplicates and we request that Goldman Sachs answers our questions and provides documentation. NOTE : this complaint will also be forwarded to the CFPB Directors Office along with the CFPB Ombudsman Office so this issue will not occur again now or in the future! Now, we filed a complaint with the CFPB, complaint # XXXX against Goldman Sachs on XX/XX/XXXX ; it has been over 60 days. Goldman Sachs has failed to answer our questions and provide documentation. We are requesting that Goldman Sachs answers our questions and provide the documentation as we requested. We realize that this is an old account but its my understanding that Goldman Sachs has digital archives. If Goldman Sachs sold or transferred our mortgage loan to another investor, Goldman Sachs should have maintained records of this asset being sold or transfer for accounting purposes! Goldman Sachs is fully aware of what is going on with our loan since they purchased our loan in XX/XX/XXXX from XXXX XXXX XXXX and placed the asset into a pool of trust, known as XXXX XXXX XXXXXXXX XXXX XXXX. The questions below are the same questions we asked in complaint # XXXX. First, after purchasing our Note and Deed of Trust from XXXX XXXX XXXX in XX/XX/XXXX ; did Goldman Sachs ever sell, transfer or Reconveyance our Note and Deed of Trust which is located in XXXX XXXX XXXX XXXX XXXX? Second, if so, who did Goldman Sachs sell, transfer or provide a Reconveyance too? Please provide documentation! Third, please provide dates with your documentation! If Goldman Sachs continues to not respond to our questions and fails to provide documentation, then Goldman Sachs is hiding something whether it mortgage fraud, bankruptcy fraud or Securities fraud. The facts are ; Goldman Sachs owned XXXX XXXX XXXX which XXXX reflected in a modification dated XX/XX/XXXX that XXXX XXXX XXXX XXXX XXXX XXXX was the current investor! If this information is correct, Goldman Sachs sold or transferred this asset to a company that had went chapter XXXX bankruptcy on XX/XX/XXXX in the District of Delaware! If XXXX XXXX was not the investor, then XXXX XXXX XXXX, a company that Goldman Sachs owned in XX/XX/XXXX provided fraudulent mortgage documents! This is something that all federal and state agencies must investigate due to the financial crises in XX/XX/XXXX caused by large banks, mortgage companies and investors! All companies that have violated our laws must be held accountable for their actions and compensate victims for any and all damages! NOW ; if Goldman Sachs did n't do anything wrong or violate any laws, Goldman Sachs would answer all of our questions honestly and provide the documentation requested. We request that Goldman Sachs answers all of our questions honestly and provide documentation!
|
| 11/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Dear Sir or Madam, after obtaining my credit report, I noticed that it shows late payments on the above account with this company. It specifically states that I was 30 days late. This has damaged my credit worthiness and is extremely troubling.
I am sure APPLE CARD/GS Bank is aware and understand that it is required by law that they must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost.
They are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion as well as provide me with a notice 21 days before the due date before you can consider a payment late.
They are also REQUIRED by law to provide me with a notice before providing anything on my consumer report that would negatively impact me as a consumer. The law clearly states that If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT in case you are not aware here is what the law state report containing information solely as to transactions or experiences between the consumer and the person making the report Also make sure late fees are accessed properly. In this regard, I hereby request the following steps to remedy this situation.
1. To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act in regard to my account.
2. Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company. Including the tracking number of the letter you sent out to place on me on notice 21 days prior to the statement due date.
3. Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless of whether or not you claim they were late from the time this account was opened to this present date.
If they are not able to provide me with this evidence that I am legally entitled to have in writing, I affirm that they please remove all negative references of these late payment 's entries by your company to all CRAs as they were submitted. XXXX, XXXX and XXXX and any others.
If I have not received these itemized documentations within the period prescribed by law, I will expect to receive written notification that they have removed all late entries that Ive disputed off my credit report.
I thank you in advance for attending to my requests promptly to verify identity, I am enclosing copies of my state drivers license and an electric bill, that shows your current mailing address.
Sincerely, XXXX XXXX
|
| 05/16/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I am requesting assistance from CFPB to have Marcus XXXX pay its promised {$100.00} bonus that I signed up for on XX/XX/2022. I have contacted the bank about this matter. The bank insists that I signed up for the promotion after I funded the account. But the fact is I signed up for the promotion as I opened the account and before it was actually funded. I am providing the screen shots to prove this ( the bank did not ask for any proof from me ; they just simply denied the bonus ).
I believe the denial has to do with a systemic error on the banks part. When I checked my interest on XX/XX/2022, Marcus asked me again to sign up for the promotion. Just to make doubly sure I was enrolled in the promotion, I clicked on the bar to enroll. Now Marcus is insisting that I enrolled in the promotion on XX/XX/XXXX, not when I opened and funded the account on XX/XX/XXXX ( even though the attached screen shots made on XX/XX/XXXX show otherwise ), so I am not entitled to the {$100.00} bonus. I believe that Marcus intentionally sent a confusing promotion to me on XX/XX/XXXX to sign up again so that it could eventually avoid paying the bonus -- -a classic bait-and-switch tactic.
Here are the facts : I signed up for the {$100.00} promotion on XX/XX/2022 following the prompts as indicated ( see attached ).
The required {$10000.00} was sent on XX/XX/2022 to my new Marcus account ( actual amount deposited was {$10000.00} ). This balance was maintained in the account more than the required 90 days.
I had no reason to believe that I was not enrolled in the promotion, because I followed all of the prompts online for the promotional offer on XX/XX/2022.
I checked my interest on XX/XX/2022. Marcus sent an additional offer to sign up for the {$100.00} bonus. Just to make sure I was enrolled, I clicked on the button to sign up for a second time on XX/XX/XXXX.
When the promised {$100.00} bonus did not pay out on time, I called Marcus customer service on XX/XX/2022 and spoke to XXXX in Virginia. I was told that I funded the account before I enrolled in the bonus offer. When I stated that I actually enrolled in the offer when I opened and funded the account on XX/XX/XXXX, XXXX, the representative said it would be investigated, but never asked me for proof of the screen shots I took as I opened the account. I was told I would hear a response in 1-3 business days.
A representative never followed up on my case, so I called again on XX/XX/2022. XXXX told the same thing I was told originally : that I funded the account before I was enrolled. He also did not want proof of screen shots of my original enrollment in the promotion on XX/XX/XXXX and was not interested in helping me resolve this matter.
I am a senior living on a fixed income. It appears that Marcus deliberately set up a system to take advantage of vulnerable customers like myself so it could concoct a reason to use my money at a low interest rate for three months without having to pay out the {$100.00} promotion. Would CFBP please ensure that Marcus is actually delivering on what they had promised by having them pay out the {$100.00} promotion to me? Thank you.
|
| 12/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
OFFER REJECTED NOTICE : : https : //www.fdic.gov/regulations/laws/rules/6500-100.html ATTN : Apple Card Application means : A putting to, placing before, preferring a request or petition to or before a person. The act of 99 making a request for something. A petition. The use or disposition made of a thing. A bringing together, in order to ascertain some relation or establish some connection ; as the application of a rule or principle to a case or fact. An appeal or petition, especially as written or presented ; a putting to, placing before; preferring a " request or petition to or before a person ; the act of making a request for something. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX law Means : a way of doing something-barrons dictionary of banking Means : The instrument or agency through which an end or purpose is accomplished. 2. Resources ; available property ; money or property, as an available instrumentality for effecting a purpose, furnishing a livelihood, paying a debt, or the like-blacks law This correspondence is in regard to the application submitted on XX/XX/2021, reference CFPB complaint no. XXXX & XXXX. Which an adverse action letter was received on XX/XX/2021. The adverse action offer is here by rejected, credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242. ( 17 CFR 240.10b-5 ) ) Fine : Adverse action taken against me denying my rights Criminal liability for willful and knowing violation : Whoever willfully and knowingly, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to $ XXXXand you are officially civilly liable for actual damages and here by fined and invoiced {$5000.00}. This is to be paid to me in the form of a check.
Reconsideration : Open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) 16 CFR 640.2q with maximum allowable by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ).
Final offer non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under regulation z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) calendar/business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* This is your opportunity to cure as well as your notice of default for the servicing of the credit application.
You meaning Apple Card and any of its agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in additional substantial billing invoice.
Legal proceedings may be enacted if dishonored.
Notice to agent is notice to principal Notice to principal is notice to agent Reference complaint # XXXX & XXXX By Accommodation : XXXX XXXX
|
| 05/16/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
I am requesting assistance from CFPB to have Marcus Bank pay its promised {$100.00} bonus that I signed up for on XX/XX/2022. I have contacted the bank about this matter. The bank insists that I signed up for the promotion after I funded the account. But the fact is I signed up for the promotion as I opened the account and before it was actually funded. I am providing the screen shots to prove this ( the bank did not ask for any proof from me ; they just simply denied the bonus ).
I believe the denial has to do with a systemic error on the banks part. When I checked my interest on XX/XX/2022, Marcus asked me again to sign up for the promotion. Just to make doubly sure I was enrolled in the promotion, I clicked on the bar to enroll. Now Marcus is insisting that I enrolled in the promotion on XX/XX/XXXX, not when I opened and funded the account on XX/XX/XXXX ( even though the attached screen shots made on XX/XX/XXXX show otherwise ), so I am not entitled to the {$100.00} bonus. I believe that Marcus intentionally sent a confusing promotion to me on XX/XX/XXXX to sign up again so that it could eventually avoid paying the bonus -- -a classic bait-and-switch tactic.
Here are the facts : I signed up for the {$100.00} promotion on XX/XX/2022 following the prompts as indicated ( see attached ).
The required {$10000.00} was sent on XX/XX/2022 to my new Marcus account ( actual amount deposited was {$10000.00} ). This balance was maintained in the account more than the required 90 days.
I had no reason to believe that I was not enrolled in the promotion, because I followed all of the prompts online for the promotional offer on XX/XX/2022.
I checked my interest on XX/XX/2022. Marcus sent an additional offer to sign up for the {$100.00} bonus. Just to make sure I was enrolled, I clicked on the button to sign up for a second time on XX/XX/XXXX.
When the promised {$100.00} bonus did not pay out on time, I called Marcus customer service on XX/XX/2022 and spoke to XXXX in XXXX. I was told that I funded the account before I enrolled in the bonus offer. When I stated that I actually enrolled in the offer when I opened and funded the account on XX/XX/XXXX, XXXX, the representative said it would be investigated, but never asked me for proof of the screen shots I took as I opened the account. I was told I would hear a response in 1-3 business days.
A representative never followed up on my case, so I called again on XX/XX/2022. XXXX told the same thing I was told originally : that I funded the account before I was enrolled. He also did not want proof of screen shots of my original enrollment in the promotion on XX/XX/XXXX and was not interested in helping me resolve this matter.
I am a senior living on a fixed income. It appears that Marcus deliberately set up a system to take advantage of vulnerable customers like myself so it could concoct a reason to use my money at a low interest rate for XXXX months without having to pay out the {$100.00} promotion. Would CFBP please ensure that Marcus is actually delivering on what they had promised by having them pay out the {$100.00} promotion to me? Thank you.
|
| 01/05/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I have a savings account with Goldman Sachs Bank USA, which is a completely online account. In order to make any deposits I have to send in checks to a po box address. I have deposited a significant amount and now Goldman Sachs has locked me out of my account. Recently, I deposited 2 checks, which have been debited from my account. Originally, they stated that they couldn't text me a pin to any of my numbers listed ( but they were able to call me on my mobile ) ; then they said that they needed me on the phone with the bank the 2 checks were drawn on ( originating bank ) to verify that the checks could clear. Then, they said that they didn't need me on the phone to verify the information because originating bank verified there were sufficient funds in both accounts to cover the checks. Then, when I tried calling Goldman Sachs again just to have the available funds transferred out, they told me they had to wait to hear from originating bank. Every time I call Goldman Sachs, they give me a different reason why they have locked me out of my account and access to my money. I called the specific divisions for each account and they verified that the checks both cleared. I had over {$400000.00} available for use, the amounts of the deposits for the 2 checks were over {$170000.00}. Rather than just place a hold on the amounts of the 2 checks, the Bank completely locked me out of my account and has denied me access to the available funds without any valid reason. They stated they locked me out because the originating bank told them they wouldn't be able to verify clearance of the checks until 5 business days and to call back on Friday. So, why not just place a hold on those funds so I can still access my available money? They have yet to provide me with a valid explanation. They stated that their Deposit Account Agreement states they can restrict access or close my account based on a representative list of some of the activities to cause closing or restricting an account : all of the representative list points to fraudulent or suspicious activity or misconduct. There is none of that present, so they are relying on that clause to arbitrarily lock me out of my account. I don't know why they refuse to give me access to my money. And, they stated that they could guarantee that they could release my money and account access even after the bogus hold period on my entire account, not just the funds in question. So, they can not give me a specific time when they will release my money. And, they will not put anything writing because their explanation changes each and every time I call. When I called and spoke to several people at different times at the originating bank, and the 2 divisions, all three state that they are not placing a hold on the funds, it is Goldman Sachs. And, again, why not just place a hold on the amount? Why on the whole account including my available funds? I think Goldman Sachs is trying to steal and keep my money. I have even provided the phone numbers for the 2 divisions and they refuse to call them. I've attached copies of the cleared checks that have been debited from my account.
|
| 11/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XXXX XX/XX/XXXX I made a payment of {$3100.00} to my Apple Card using a linked bank account.
On XXXX XX/XX/XXXX, I attempted to make a purchase of {$2500.00}, but my card was declined. I checked my bank and confirmed that the payment posted on XXXX XX/XX/XXXX. I reached out to the Apple Card team at Goldman Sachs and asked why the payment I made hadn't been applied to my account.
This is their response : " Payments can take longer to reflect in your available credit as stipulated on your Card Agreement. We have received your payment, and your bank may have deducted the money from your account ; however, there is still a window for payments to be processed. We will make the funds available on,XXXX. For future reference, payments made with Apple XXXX usually release instantly. '' On XXXX XX/XX/XXXX, I again reached out to the Apple Card team at Goldman Sachs and asked why my payment had not been applied.
Their response : " Thank you for waiting. I see here there is a payment on hold, that was placed on the XXXX of XXXX. '' I asked : " Why is it on hold? '' Their response : " I understand the situation and how important this payment is for you, however, we are not able to expedite the release of your available credit. Please keep making your payments on time. As of right now, your available credit will be updated on XX/XX/XXXX. '' I asked : " Why is the payment on hold at all? '' Their response : " We have received your payment and your bank may have deducted the money from your account, however, there is still a window for processing payments. This can only be done automatically by the system. '' This did not answer my question of why my payment was 'on hold ', so I asked a different question : " What is the window for processing payments? '' Their response : " There is not a specific time frame, but when you made the payment on the XXXX will be released on the XXXX of XXXX. '' Now twice I've been told that there is a 'window for processing payments ', and now 'there is not a specific time frame '.
I asked the rep, which of these questions they could answer : " How long is the window for payment processing? '' or " Why is my payment on hold? '' Their response : " In your case, the window for this payment is 10 days. '' I asked : " Last week it was 7 days, so why is it now 10 days? What changed between the XXXX and today? '' Their response : " I do understand where you coming from. We always value customers who are keen on providing us with their feedback. So I will make sure the information will be passed on to the higher-level team for further review. But as of right now, the money will be released on the XXXX for new spending. I can assure you that no longer than the money will be available no later than the XXXX. '' I've attached screenshot of the conversation.
I found similar complaints that Goldman Sachs is delaying payments for Apple Card users online.
" XXXX XXXX '' - XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX " XXXX '' - XXXX XX/XX/XXXX XXXX : XXXX It would seem that Goldman Sachs has been doing this for some years and has done nothing to change their practices.
|
| 10/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
XXXX XXXX XXXX Denial On XX/XX/2022 I obtained a personal loan with Marcus. I am able to access my Marcus account online with user name and password. My identity has never been questioned regarding this loan account.
I have applied for GM Business Mastercard by Marcus on three occasions between XX/XX/XXXX and XX/XX/XXXX and received Pre-approvals $ XXXX {$19000.00} each time. They soft pulled my XXXX Score which is currently XXXX.
Each time I applied, Marcus accessed and pre-filled my application with my existing customer information via my username ( email ) I provided on the application or by me logging in.
However, I have been denied each time due to 'Unable To Verify Identity ' although I provided requested Driver 's ID and Certificate of Good Standing.
Furthermore, I am already a Marcus customer and have been verified when I opened my loan account.
Here are GM Business Credit Card applications : APPLICATION XX/XX/XXXX Applied Preapproved {$18000.00} XX/XX/XXXX Marcus requested additional documentation : -Driver 's license or state-issued ID -Certificate of Good Standing XX/XX/XXXX Provided requested documents XX/XX/XXXX Application Denied. 'Unable to verify identification information ' APPLICATON XX/XX/XXXX Applied Preapproved {$19000.00} XX/XX/XXXX Marcus requested additional documentation : -Driver 's license or state-issued ID -Certificate of Good Standing XX/XX/XXXX Provided requested documents XX/XX/XXXX Application Denied : 'Unable to verify identification information ' XX/XX/XXXX Called customer service and could not provide any additional information APPLICATON XX/XX/XXXX Applied Preapproved {$19000.00} XX/XX/XXXX Requested additional documentation : XXXXDriver 's license or state-issued ID -Certificate of Good Standing XX/XX/XXXX Provided requested documents XX/XX/XXXX Application Denied : 'Unable to verify identification information ' XX/XX/XXXX Called customer service and spoke with XXXX, but could not provide any additional information APPLICATION XX/XX/XXXX Applied Preapproved {$19000.00} XX/XX/XXXX Requested additional documentation : -Driver 's license or state-issued ID -Certificate of Good Standing XX/XX/XXXX Have not provided requested documentation due to uncertainty of why they are 'Unable to verify identification information ' Though I am proud to be a Marcus customer and would like to obtain the GM Business Mastercard it is frustrating being told they are 'Unable To Verify My Identity ' though I've provided a clear legible Driver 's License that matches my existing Marcus records and a Certificate of Good Standing for my business.
Instead of telling me exactly why they can not verify my identity or if a 3rd Party is providing verification they tell me all I can do is reapply which is not very helpful.
I found on multiple forums such as XXXX, XXXX and XXXX that Marcus applicants are facing similar issues and not given any answer on why this is happening to existing customers.
My application has never been escalated to manager nor my has my application been given a manual review. I would my application to undergo manual review and escalated.
|
| 12/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
original loan never assumed by owner, but forged signatures.yet still was paying amts 'owed ' until daughter discovered evidence of fraud. Did n't owe any new mortgages-debt paid, but was paying bank anyway. Now 'loan ' assigned to 3-4 people since XXXX , and modification [ and consolidation? ] resulted in monthly PMT increase? second application denied not before but AFTER foreclosure filed. Had been sending, repeatedly, to complete application to XXXX, the same docs, and no decision made known to me until lis pendens filed in courts.Also, Improper service. XXXX after reporting fraud to them, sent document for info to sign and formally make claim of fraud official, but they do n't own loan anymore. Bought, securitized and pooled by different entity. Looked up loan and owners not listed as original lenders. cant find lender/owner of loan and only loan servicers, saying they worked for bank, served as only contact.
Nearing foreclosure judgment due to no atty representation, as senior citizen not receiving mailings of papers filed until discovered court filings. Was duped by banks issuing loans in my name. Similarly, land recording records indicate ownership and sale of property never sold or transferred causing 2yrs uncorrected deeds, sale transfer, and passing on of mortgages also not taken out by me.. XXXX same bank involved, with MERS with possible fraud conspiring with and/or by and among atty, notary, 'buyers ' brokers, etc ... incl. original ownership mortgage pmt to ATTY.XXXX XXXX, IN XXXX. Though had ID theft reported to credit bureaus-froze report since XXXX, but how are there new loans? impossible without checking report and my identity-confirmed identity of applicant borrower. And high interest rates though I, true homeowner had excellent credit until the fraudulent acts committed in my name, via fake signatures, falsified dates, recordings. Went to DA, AG, and reported fraud, but still proceeding with foreclosure action in ny.
Have been a victim of housing crisis, lack of accountability, robo-signing, and clearly criminal misdeeds by others, more criminally savvy with no honorable intentions at all. XXXX, woman, now elderly and am paying for 'rimes ' never committed, and unknown to me. Used to believing in the fairness and honesty of banks and finanial institutions, and giving benefit of doubt, and feeling embarrassed to acknowledge vitimization, submitted mortgage payments anyway. It is impossible to ontinue in my senior years, paying for something illegal and unthical. Want to enjoy retirement, my life in my later years. Someone has to right these wrongs, please. And ease harrassing and further embarrassing me, sarring my name and reputation as a 'non-payer '. I always paid my debts without fail. Chek my records, past reditors. I even closed credit card acts with limits that were XXXX and above, in fear of continued fraud and id theft. Didnt know where to turn. Now, there is no other choice. XXXX still lives, I still believe. [ there are many more pertinent docs to support complaint, and i reserve right to admit them in the future in regards to this form 's contents
|
| 11/28/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
On XX/XX/XXXX, I opened a CD account with Marcus by Goldman Sachs. I wanted to transfer money directly from my savings account ( at another financial institution ) into my Marcus CD, but unfortunately the electronic transfer software used did not work between the two institutions. I contacted Marcus about other options and was told I would need to send a check. I was given very explicit instructions about the information that needed to be written on the check. I don't have physical checks ( my other bank is a small online only bank ), so I requested a check from my bank for {$2000.00} be mailed to me, and then endorsed the check with all the required information Marcus had provided and put it in the mail. Unfortunately, this process took longer than expected, and by the time the check actually arrived at Marcus, the month-long CD funding window had just closed and Marcus closed the account. I called Marcus on XXXX to ask about how to handle this, and they said since I no longer had an account, when my check arrived, it would just be sent back to me. On XX/XX/XXXX, however, I was shocked to see that {$2000.00} had been withdrawn as a check deposit. And my Marcus account was still closed, so it didn't go there. The money had been taken out of my account and was no longer in my possession in any way, it had just disappeared into Marcus 's coffers. I contacted Marcus to find out what had happened, and why my check was not just mailed back to me. They said it was " being processed '' and they would need to cut a new check to send the money back to me. I was told to expect it in 7-10 business days. I did not receive it. I called again on XX/XX/XXXX and it was like I was starting all over again, nobody knew anything about my situation. They told me the check was received for processing and asked me what I wanted to do with it. I told them I wanted my money mailed to me, and had been told this was already in process. They apologized, said they were starting the process, and I would receive it in 7-10 business days. Again, no check. I called again on XX/XX/XXXX and had a VERY long phone conversation where I was told it was understood how frustrated I was, and they weren't sure why it hadn't been put in properly but it wasn't, but now they were going to expedite my check and would try to get it to me sooner, but at latest, 7-10 business days. On ALL of these calls, I asked about SOMETHING to make this easier ( could they wire the money to my account?? no, of course not ) or confirm the info ( could they at least provide a tracking number when they mail the check so I know it's been mailed? nope ). I was on a trip during the " 7-10 business day '' window of the last call, so I did not call again until today ( XX/XX/XXXX ), when I was told that there were verification steps on the check that had not been completed, and they weren't sure why, but once the verification was complete they could send me the check. They said the verification was done at the end of this call, and that they are going to send me the check, but they can't confirm anything, and I no longer have faith in their process.
|
| 12/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I pay off my credit card debt in full once each transaction is processed ( I use the card for points ). I had bought a {$240.00} XXXX gift card online. The transaction as approved a couple of days later and I subsequently paid off the card. The vendor never sent the proper gift card and it was very difficult to get a hold of them. I opened a transaction dispute through the Apple Card for that {$240.00} transaction and provided them with all the details, along with screen shots of the emails, etc.
Once the transaction was opened, I was provided with a 'provisional credit ' of {$240.00}. This did not add any credit my account at all. When I asked XXXX through their XXXX chat message, they said that the temporary credit will not increase the available credit and that it is in place so that I am not responsible for the charge during the dispute. I asked them " So I am still out of pocket the {$240.00}? '' And they said " The {$240.00} is not available as credit, that is correct. '' That is frustrating, but I accepted it.
About 5 days after the dispute was opened, the vendor provided a refund to my account in the amount of {$240.00}. I contacted apple to let them know that they can cancel the dispute because I received the refund. When the refund came through, I had a balance of {$35.00} on my card. So the end balance on my card that day was + {$210.00}. I wake up the following day to see that my card balance was + {$140.00}. No additional transactions were on the card. I contacted Apple Card to see what happened, and they could not tell me. I provided screen shots of everything. I had to open a dispute for the missing {$61.00} on my account. They also told me to mail in a letter dispute. So XXXX has already taken {$61.00} from me then.
Less than a week later, XXXX was able to close the dispute finally. Except when they close it, they add {$240.00} to my Apple Card balance. They say that it is because they gave me a credit before and that my dispute has been resolved. As stated earlier, XXXX never provided me with a + {$240.00} credit. This was also recorded and confirmed by an XXXX employee in XXXX chat. I have plenty of screenshots to confirm the conversations of why with the XXXX employee. When I was speaking to XXXX, they kept repeating the same thing that it was for the 'credit ' they gave me, despite me showing them definitive proof, from their own employee, that it did not happen. I was finally able to speak with someone ( over chat again because no one would give me a phone number to call ) who submitted a dispute and made notes in my file. They told me it could be XXXX billing cycles and abruptly ended the chat.
Now I am stuck with over {$300.00} of charges in my account that will accrue interest until XXXX makes a determination. I refuse to pay it off, because the last time I paid off a charge that I disputed, I ended up paying more.
I loved Apple Card for the points, but I wish I had never opened a dispute. If I had never opened a dispute, AND the vendor never issued a refund, it still wouldn't cost me as much has it has from opening a dispute with Apple Card.
|
| 11/14/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Hi good day last week XX/XX/2023 my wife called me cause shes ready to go to hospital cause she thinks XXXX XXXX XXXX XXXX XXXX so i drive from to our house and get ready to leave to hospital.
Now while talking to the doctor in XXXX XXXX my girlfriend told me that i need to withdraw all the money..
so yeah i try to log in my account and i put the wrong email for 2 times.. then suddenly i remeber and ask for help through the app..
and i login..
now im trying to trasnfer my money back to where i send like its external link account.. and its says there im locked so i called theyre customer service asking them why im lock and they told me that they couldnt verify me brcause i had a wrong number that they cant send me the one time pin code. I told them that im not using that number anymore cause i change my phone number with a newone 2 years ago and i dont know what or where i put that sim.. so they said that they couldnt rxplain anymore details something like that. And i was confused that day and called again samething happen.. and called the next day some agent told me that ask them to remove the restrictions. And i told them about it.. and its just so wrong timing cause XXXX agent told me that its on a review.. that they cant do anything about but just wait.. so i waited.. 2 days later i called again asking them how to transfer or the other way just to get my money back and they told me is the only way is to close the account and they told me that thursday XXXX XXXX and i said okay lets close the account and they said that once the account is closed the money will just go back directly to where i send which is my bank.. so i waited 3 days cause some agents said 3 days some 7 days some 10 days.. ( a lot of wrong information ) .. so today XX/XX/XXXX i called again cause i need the money cause my girlfriend has XXXX XXXX and my daughter is in XXXX XXXX XXXX XXXX so to me i need that money to pay for hospital bills thats my purpose i put it there..
I called twice today and one agent said that because she cant verify me she only saying that i dant give you details and more information, like im a complete stranger that rven why they cant answer like i put my money there and now im an outcast..
And the other agent tried his best and told me that give them a call 3 days from today so friday.. ( they said this last week too ) anyway i ask for the case number i dint know if you guys would need it.. but yeah i have it.
I was reading last time the internet like reviews and complaints.. i read a lot same my situation how bad and slow and not good this company.. i tried to be patient its just the money that i put in my savings account is needed in emergeny.. i read a lot that same i have experience like they dont accept ID or verify it no emails and they always to give you the code on an old phone number that j have no acces.. i tried alternative phone njmber i give them my girlfriend phone number and same thing no code. Its like a joke..
I hope you guys can help me.
I have no job roght now cause im taking care of my family. Im just a average person trying to survive right now..
|
| 03/03/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
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On XX/XX/XXXX ( last Saturday ) I received a message from Goldman Sachs Maucus Bank stated that an external bank, XXXX XXXX, was linked to my saving ( 3 ) accounts at Maucus and also attempting to transfer XXXX from my saving accounts. I went into my accounts and found that XXXX XXXX was linked to my Maucus bank saving accounts, I have no any relationship with XXXX XXXX and never authorized such linkage. I canceled the transfer and removed XXXX XXXX from my " external linked accounts '' at Maucus online banking website. I called the Maucus right away ( three times ), all I was told that I have to call back during the regular business hours. I called again on Monday ( XX/XX/XXXX ) and reported the incident to Maucus 's tech support and being transferred to another " Specialist '' who opened three new saving accounts and I transferred all funds from the existing accounts to the new accounts. However, the next day, Maucus blocked all my access to my accounts, I called a number of times, I was told someone " will call me back in two hours '' to help me unlock the accounts, no one called me back and I got the same answer whenever I called. On Wednesday I asked the bank to closed all my accounts and send back the funds to my accounts with XXXX XXXX XXXXXXXX where all the deposits were made from. However I spent over 6 hours and spoke with over a dozen of " specialist, '' the calls were constantly being interrupt and the bank also block my cell number and email, hence I could not get any identity verification code the bank required to close my accounts. Until XXXX, the last " specialist '' told me all my accounts have been closed. On Thursday, the bank left a message in the morning and asked me call the bank again. When I called, the same story, they told me they won't close my accounts and all funds were subjected a further review which will take 5 to 7 business days. I tried to speak to different specialists, after 3 hours, one of the specialist ( supervisor level ) helped me went through the whole process again and she was able to identified my identity on phone ( called me three times, one call to close each account ) and told me there won't be any issue and I should receive all fund back to my deposit account with XXXX XXXXXXXX in 1 to 3 business days. Again on Thursday night two person from Maucus called me and said he/she wanted to identify my identity again This is horrified and so frustrating, Maucus does not protect its customers, when incident occurred with their security system, they just blocked my account instead of finding what was the root cause. Goldman Sachs Maucus Bank is poorly managed by a group less trained and irresponsible " specialists, '' only a few were reasonable, most of them didn't know how to respect customers and do their job. This security system of the bank is totally broken, how can the bank allow a third party bank linked to my account without my knowledge and authorization? As yesterday ( XX/XX/XXXX ), they still kept XXXX XXXX on my accounts and called again on XX/XX/XXXX, the fund is still held subjected their " review ''.
|
| 06/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX, I transferred XXXX into my Marcus account for their promotion to earn a {$100.00} bonus for depositing new money into the account for 90 days. Marcus closed my account without issuing my bonus on XX/XX/XXXX. The interest I earned in XXXX was never given to me.
Below are the terms of the promotion Online Savings Account {$100.00} Cash Bonus Offer Terms Offer valid from XX/XX/XXXX to XX/XX/XXXX ( the Offer Period ).
To qualify for the {$100.00} Cash Bonus ( the Offer ), you must enroll a Marcus Online Savings Account ( Account ) in this Offer at https : //www.marcus.comXXXX or by calling Marcus at XXXX ( XXXX ) by XXXX XXXX ET on XX/XX/XXXX. Upon successful enrollment, you will receive a confirmation of your enrollment via email or U.S. mail.
After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Account within 10 calendar days of enrollment ( the Funding Period ). The Account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ) must be maintained in your Account for 90 consecutive days from the end of the Funding Period. The Account balance is based on the starting current balance reflected on your account at XXXX XXXX ET the day you enroll. Once the Funding Period has ended, your Account balance may not drop below the Required Dollar Amount at any point until after the 90 consecutive days have passed. You may make multiple deposits within the Funding Period to reach the Required Dollar Amount. Internal transfers do not count for purposes of this Offer.
If you choose to enroll a different Marcus Online Savings Account in this Offer, you must deposit {$10000.00} or more in new funds from an external account into the newly enrolled Account within 10 calendar days of enrollment in this Offer, even if you reached the Required Dollar Amount in a previously enrolled account.
The {$100.00} bonus will be deposited into your enrolled Account within 14 calendar days after fulfilling the above requirements. To receive your bonus, your Account must be open and in good standing at the time the bonus is deposited in your Account. The bonus will be treated as interest for tax reporting purposes.
Offer available to new and existing customers. Each customer is limited to one cash bonus under this Offer. This Offer can only be applied once to an account. If an Account has multiple owners, the Account is limited to being enrolled for this Offer under only one of the Account owners and receiving only one cash bonus. Remaining Account owners may be eligible to use another eligible Account to enroll in this Offer. This Offer may be combined with other promotional offers available to Marcus Online Savings Account customers.
We reserve the right to modify or revoke this Offer at any time without notice. If we determine that you have engaged in or plan to engage in abuse or gaming in connection with this Offer, you will not be eligible for this Offer.
Questions?
Give us a call toll-free at XXXX. We're available 24 hours a day / 7 days a week. Well be happy to help!
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
AppleCard, started reporting late payments on my credit report opened XXXX. Amount {$2100.00}, Also it was charged off. " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
|
| 06/07/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Once again, they closed the case and still have not resolved my issue. They said they tried contacting me, but they did not. I have called numerous times and have been put on hold for hours with promises that they will call me back, and they never do. They did not try to verify my identity with a bank. They keep telling me they are using my phone number to send me a code to close my account. Once again, I am not receiving this code they are supposedly sending. At this point, they should be able to mail me a check with MY money that they have been holding hostage for over two months. This is ridiculous and the worst banking experience I have ever had. I see why they have bad reviews, and I will not recommend them to anyone. They purposely try to take your money and hold it for months. I do not want to send in an affidavit because I did that already, and it did not work. I want to close my account asap and get my money back.
*********************************************** I tried to make a transfer from my Marcus account to another bank that was offering a higher APY. Marcus locked my account when I initiated this transfer. I called to find out the issue and kept being hung up on. I finally spoke to a supervisor, and they said they would send me an affidavit to verify my identity. I received the affidavit two weeks later and got it notarized virtually using an app called XXXX that charged {$25.00} for a virtual service. I could not physically make it into a store to notarize because my husband works and uses the car, plus I have XXXX XXXX to take care of. After I got the affidavit notarized, I paid {$30.00} for certified mail so they could receive it the next day. My tracking receipt shows they received the form on XX/XX/2023. When I called to confirm, they said it was under review and would take seven business days to review. I called back on XX/XX/2023, and was on hold for three hours. Then the representative said it was notarized by someone in Texas and needed to be done in North Carolina, where I reside. I told her I paid {$25.00} for a virtual video service to get this done. Hence, people work from virtually anywhere to help get documents notarized asap if they can not physically make it to a location. She said they would be sending out another form so it could be done in NC. I then asked to close my account. After all, I am no longer interested in banking with a bank holding my money hostage for over a month, all because I wanted to transfer some of my funds. She said she would send a code to the phone number I have on file to close the account. The code never came, and she asked if I had an alternate number. I told her I only use one number on my account and have not had issues using this number in the past for my account. She put me on hold for another hour and said my account was in review to be closed, but I will need to call back for updates. This has been the worst banking experience I have ever encountered, and I would like to close this account asap. They are holding onto my money and will not let me access or close my account.
|
| 02/16/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Marcus Goldman Sachs is engaging in a pattern of manipulation and dishonesty to prevent customers from withdrawing money from their institution. Here are the details : I opened a certificate of deposit account with Marcus at Goldman Sachs on XX/XX/XXXX in the amount of $ XXXX. I funded the account via an ACH transfer through my XXXX XXXX Account. The money was debited from my XXXX XXXX account and credited to the Marcus account on XX/XX/XXXX ( i.e., the same day it was opened ).
After attempting to add my husband to the account and having a terrible customer service experience doing so, I tried to close the account. I was told via their customer service chat function that this could only be done by calling their customer service number.
On XX/XX/XXXX I called and spoke to a representative named XXXX. I asked to close the account. He placed me on hold and the call was cut off.
On XX/XX/XXXX I called and spoke to a representative named XXXX. I asked to close the account. She executed the account closure, but told me that the money would be on hold until XX/XX/XXXX, and so I needed to call back on that day to complete the account closure process.
On XX/XX/XXXX I called and spoke to a representative named XXXX. She told me that the money was on hold until XX/XX/XXXX, and that I needed to call back on XX/XX/XXXX to close the account.
On XX/XX/XXXX I called and spoke to a representative named XXXX. XXXX confirmed that the hold was removed from the funds, and he closed the account. He transferred the money back to the original XXXX XXXX account that the money originally came from via ACH transfer. XXXX told me that the money should be back in my XXXX XXXX account by XX/XX/XXXX at the latest.
On XX/XX/XXXX, the money had not been credited to my XXXX XXXX account, nor did my Marcus account show that a debit, or account closure was in process.
On XX/XX/XXXX, I called and spoke to a representative named XXXX. She stated that the money in my account was placed on another hold, and would not be released until XX/XX/XXXX. Therefore, I asked to speak to a supervisor.
On XX/XX/XXXX, I next spoke to a supervisor named XXXX who confirmed that the money in the account was on hold, and that closing the account would take an additional 10 business days PLUS an additional 3 business days for the ACH transfer to be completed, which would be an additional 2.50 weeks total. I asked why there were so many holds being placed on the money, and why it was taking so long for the money to be transferred back to the account where it originated from, and XXXX said that this is just reflective of Marcuss policies and processes.
I am filing this complaint because I believe that Marcus is engaging in a pattern of deception, inefficiency, and deliberately slow processing times in order to retain their customers monies as long as possible, and I believe this pattern needs oversight and intervention by the US Government. In addition, I still do not have my money, and my account is still not closed, despite many attempts and requests to have the account closed.
|
| 11/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I am a customer with Apple Card, the consumer credit card backed by Goldman Sachs. I purchased a XXXX XXXX with the card at the XXXX XXXX on XX/XX/XXXX and after the purchase posted, I paid it off, totaling {$740.00} before tax. I ended up canceling said order shortly after I paid it off as I intended to purchase the product at another retailer that I had a gift card for. The cancellation went through with no issue, and my Apple Card ended up have a POSITIVE balance of {$700.00}, meaning Goldman Sachs " owed '' me that money, as it was paid to them from my XXXX checking account. After I made a {$5.00} purchase with my card ( unimportant to the case ), my card ended up with ( and currently has ) a positive balance of {$700.00}. I contacted Apple Card customer support on XX/XX/XXXX, and requested for my positive balance to be transferred back into my bank account, which is something that other cards have done for me in the past. The representative told me that the transfer was initiated and it would take 1-2 business days to reflect on my balance on the app. Three days later, I did not see any change on my account so I called again on the evening of XX/XX/XXXX. This time, the representative told me that systematically the transfer was not possible and, through her rather rude demeanor and negative customer service, left me hanging. I called back 30 minutes later, and that representative told me that it WAS indeed possible and for some reason the initial transfer was cancelled ... she initiated a new one. Five days later, no change. I called again on XX/XX/XXXX, this time asking for a supervisor. After experiencing some of the worst customer service of my life with the supervisor, I was again turned down and told that it wasn't possible. I called today, XX/XX/XXXX, this time asking for the " Specialty Department '' XXXX which I was told to ask for by the previous supervisor ), and ended up speaking to a very helpful representative who acted as a liaison between me and her supervisor. I was told that there is nothing I that can be done because of a current outstanding installment balance ( a 24 interest-free installment for an XXXX XXXX and they are currently working on a system to fix issues like mine, but did not have a timeline on when the system would be change OR if said change would allow a transfer of the money back into my bank account. The XXXX installment currently has an outstanding balance of {$810.00}, but is a two year installment and not necessarily " connected '' to my everyday purchase balance. I was sent a letter from Apple Card of my outstanding balance, which is {$110.00} XXXX which is my installment balance minus my positive everyday balance ... XXXX - XXXX = XXXX ). Goldman Sachs has been no help to me, and has given me two difference answers, two different times. If we weren't in a pandemic where the money is important to me and I need it, or if the whole situation didn't have to do with hundreds of dollars and my credit report, I would not even be making this claim. Frustration is the best word for this who situation.
|
| 03/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/XXXX I had disputed a charge for a rental house on my Apple/Goldman Sachs cc . I had spoke to multiple reps while the situation was happening and followed their guidance. The rental agency was threatening to call the police so I had to release the dispute then refile after we had checked out per the advice of Apple/GS. The dispute was ultimately ruled in favor of the rental house ( property management ) even though I sent photos of someone else 's dirty clothes, rats, broken A/C and broken elevator etc. At that time, I made the decision that I no longer wanted to do business with Apple/GS and paid the account balance IN FULL and closed the account. This past XXXX XX/XX/XXXX, I got a letter in the mail from A/GS stating that they decided on multiple disputes incorrectly and would be re-opening them to adjust the rulings. I DID NOT initiate this contact, they did. I called into A/GS and the rep I talked to had no idea about the letter or knowledge of the fact that they as a company were reevaluating closed disputes. My account remains closed. Fast forward a few months and I get a letter that states they did not rule in my favor ( again ). I do not care, I didn't ask for any action to be taken. They initiated. It has also come to my attention that Goldman is UNDER INVESTIGATION for this exact issue and not giving customers correct information. No shocker here.
Fast forward a year, I have gone back and forth more times than I care to recall but I finally found out that they were billing me because they were unable to disposition the 2ND dispute in a timely manner and were required to make a deposit of the credit that I did not ask for in my account. By the time someone at GS was actually able to give me this info, they had threatened to hit my credit report. I called in to arrange to pay them to get them out of my life once and for all and I told them I would pay it as long as they did not hurt my credit. I was told they would have to file with their internal credit and they would get back to me. I followed up and tried to pay again and was told that I had to wait until the credit dispute was done. Not shocking, they upheld the negative credit rating and said it was correct. This is ludicrous as even THEIR OWN reps could not tell me why there was a balance. I finally spoke with a supervisor and he said there was nothing that could be done because I owed the money. I am not even disputing that anymore but it is completely unreasonable to expect me to pay for something that I did not charge. THEY gave me a random credit and now want it back. He said he wanted to find a way to fix this for me but he couldn't because I owed the money. He continually said he completely understood how I felt but that it was too bad and the credit stands despite the fact that we both agree on that I DID NOT USE the card. I just want my credit back. This has been an absolute nightmare. I have not heard anything from them since they told me there was nothing they could do. I want to get this resolved and never do business with GS or Apple Card again.
|
| 10/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
We had a warranty claim that the service provider did not repair correctly. Below is the timeline. Apple Card credit card did nothing to resolve the issue.
Hello XXXX XXXX Im emailing you per our recent conversation with a breakdown of the HVAC issues at your property last summer, specifically pertaining to the work completed by XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX was initially assigned to the claim. They went out to the property and marked the claim as completed as of XX/XX/2022. No details were provided in regards to any work completed at this time. They went out on this same work order again on XXXX and once again marked it as complete.
XXXX XXXXXXXX XXXX XXXX was sent a recall to go out to the property. They went out on XXXX and turned in a report advising the condenser at the property needed to be replaced. A XXXX XXXX XXXX and XXXX XXXX were ordered at this time based on the report turned in and XXXX XXXX XXXX advised due to modifications and other costs not covered by the contract you as the home owner would {$890.00} to complete the work.
XXXX received confirmation from XXXX XXXX XXXX advising the condenser replacement for this unit at the property was complete but they are still working on the replacement needed for the other XXXX unit at the property.
XX/XX/ Issues with unit after new condenser installed FACT XXXX was assigned to review the situation. Found that the condenser installed was incorrect it was straight cool and needed heat pump condenser advised that the condenser and Air handler needed replaced.
XXXX XXXX XXXX XXXX XXXX assigned as there was a lot of back and forth with FACT XXXX about costs and getting report. It took some time to locate proper equipment but XXXX XXXX was able to replace the unit with the correct equipment.
XXXX received confirmation claim complete.
Thank you!
XXXX XXXX Sales Support Team XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hours : M-F XXXX to XXXX MTN XXXX A member of the XXXX XXXX XXXX XXXX family of companies | XXXX XXXX XXXX ****************************************************************************************** This message may contain confidential or proprietary information intended only for the use of the addressee ( s ) named above or may contain information that is legally privileged. If you are not the intended addressee, or the person responsible for delivering it to the intended addressee, you are hereby notified that reading, disseminating, distributing or copying this message is strictly prohibited. If you have received this message by mistake, please immediately notify us by replying to the message and delete the original message and any copies immediately thereafter.
If you received this email as a commercial message and would like to opt out of future commercial messages, please let us know and we will remove you from our distribution list.
Thank you.~ ****************************************************************************************** XXXX
|
| 08/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
On XX/XX/22 I received an email from Goldman-Sachs saying I could add a family member to my credit card account. When the family member then used the card for a purchase, they would receive {$100.00} in XXXX XXXX, as this is an Apple Card credit card. I added my husband to the account. He made his first purchase on XX/XX/22. We received {$0.00} in XXXX XXXX as the 2 % earned from the purchase, but never received the {$100.00}. My husband and I have text and called tech support numerous times. We were first told we didn't qualify for the promotion. When I reread the email I received out loud to them, they agreed we did qualify. At that point they said we only qualified {$50.00}. I again reread the email to them, where it stated nothing about {$50.00}, only {$100.00}. They agreed that it was supposed to be {$100.00} and we did actually qualify. They said to wait a few more days and it would be in the account. After another week, I reached out again and was told the same thing as the first time, I reread the email several times and was told to wait a few more days. When we didn't receive it again, I reached out again and I opened a dispute. I was told it would be XXXX business days before I heard something. After 5 business days I called and was told the dispute was closed because the money had been paid out, even though we hadn't received it. At this point, they sent us over to Apple Support to have them look at our account. Apple Support did a full review of the issue and came back saying it was an issue on Goldman Sachs end. They called Goldman Sachs with us on the line and told Goldman Sachs it was not an issue with our accounts or the Apple system, but it was an issue with Goldman Sachs. The representative at Goldman Sachs said she could see the promotion had been paid out, but for whatever reason hadn't been put in the actual Apple Cash account. At that point, Goldman Sachs opened a tech ticket. This morning I received an email saying the ticket had been resolved and they had been trying to reach us. We never received a call. I called the number on the email and was told a tech ticket was never opened. I offered to give them the case number for the tech ticket and was told there was no way to look the number up in their system in that department. I asked to be put through to a department that could look it up and was put through to a supervisor. The supervisor said the cash had been paid out, she couldn't see a tech ticket, and she couldn't look up a tech ticket case number. She connected me back to Apple Support and hung up. We still have not received the promotional money. Goldman Sachs is the only one who can see this supposedly paid out transaction. At this point we have opened a dispute, an Apple Support ticket, a Goldman Sachs tech ticket, and not a XXXX XXXX ( the company that handles Apple XXXX XXXX ) support ticket. The other companies continue to say it is a Goldman Sachs issue, yet Goldman Sachs refuses to pay out the promotional credit. I even said we'd take it as a credit on our bill, but they have refused.
|
| 01/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I have been an exclusive Apple device owner & user since XXXX, with no problems whatsoever. My troubles started after buying a new XXXX XXXX XXXX XXXX '' w/touch bar in XX/XX/XXXX.
I made my first-ever call to Apple Support at the end of XX/XX/XXXX and had to continue calling more and more as I was implementing the troubleshooting instructions from the Apple senior tech experts. The Apple tech employees were all telling me, and I quote, " XXXX XXXX, I have never seen anything like this, so my conclusion is you have bad XXXX data, '' I was then instructed by several different Apple Senior Technicians experts to delete my current Apple ID and all its content and create a brand new one with a brand new password, fresh start. And, of course, we will not be recovering or restoring from any backup. I was readily willing to lose all of my data to get out of this rabbit hole I had been sent down. So that's what we did " 6 TIMES ' IN within XXXX XXXX. I would have a story of XXXX apple Id attempts, but I refused to do the same troubleshooting techniques over and over again, expecting a different result, but they certainly were. Long story short, I declined the last two Apple employees that were only willing to continue helping me if I deleted and started over again. I couldn't believe how rude and admit that they were to me.
During this process, Apple 's tech employees managed to single handily destroy my XXXX excellent credit rating in 120 days. When I found out about this through a letter from Goldmann Sachs, I called Apple immediately, not even worried a bit because I knew Apple would quickly see that their senior technician made a mistake when giving full detailed instructions to me. I know he didn't do it on purpose, and he apologized several times over because he is only human and forgot to tell me some crucial steps before deleting my Apple Id. It's really appalling how clearly simple this one is. Apple got my Goldman Sachs Apple card " Closed By Creditor '' with no reason given because they had none. I have proof that my account was in perfect standing, and the first payment wasn't even due yet. I had only had the card for 3 months and used it one time at brunch for {$24.00} dollars ; with a credit limit of {$15000.00}.
I was doing nothing more than following the directions from a qualified Apple senior tech employee. That one incident, of course, was reported to the three major credit bureaus, which raised a huge red flag in the system and caused all of my creditors to panic. Well, to say the least, the ripple effect from that literally took my credit score from XXXX to XXXX.
XXXX XXXX XXXX XXXX credit limit was {$21000.00}. They automatically lowered it to {$6000.00}. I had only used {$5800.00} out of my {$21000.00} available.
XXXX XXXX XXXX credit limit was {$30000.00}. They auto-lowered me to {$10000.00} *XXXX XXXX was {$2100.00} Auto-Lowered to XXXX ect Goldmann Sachs Has already admitted it was a huge mistake, they sent me a check for {$250.00} dollars LOL, and offered my card back with same credit line
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX To whom this may concern, this is regarding accountant XXXX.
My billing dispute is for past current and future certificates of indebtedness while under this contract.
XXXX XXXX XXXX reported 3 late payments for the month of XXXX, XXXX, and XXXX A creditor may not treat a payment on a credit card acc under an open etiquette. Consumer credit plane late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement includes the nonpublic information that was furnished. Should have been mailed and delivered to the consumer not XXXX before the due date. Listing payments as late under an open etiquette consumer plan is against federal law. 15 U.S. Code 1666 15 USC 6827 ( 3 ) requires financial institutes to notify consumers of their information-sharing practices and provide for a right to opt out of certain sharing. mention in the transactions above without allowing me to opt-out XXXXXXXX XXXX XXXX furnished my non-public information to a nonaffiliated third-party data furnishing company XXXX XXXX XXXX and XXXX . 15 USC 6809 ( 4 ) ( a ) Non-public information means personally identifiable financial information provided by a consumer to a financial institution- resulting from any transactions with the consumer or any services performed for the consumer or otherwise obtained by the financial institution. Therefore, as per literal interpretation, the organizations name XXXX XXXX and XXXX are non-affiliated third parties. and XXXX credit card has violated the provisions of 15 USC 6802 pursuit under 15 USC 1681a ( d ) ( 2 ) ( a ) ( ii ) the consumer report shall not include. Any information communicated among persons related by common ownership or affiliated by corporate control. Such information among persons shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be allowed to direct that such information not be communicated among such parties.
I HEREBY REQUEST THAT YOUR COMPANY REMOVE ALL OR UPDATE THE FCRA VIOLATIONS LISTED BELOW BE REMOVED IMMEDIATELY 1. ALL LATE PAYMENTS SHOULD BE UPDATED TOO POSITIVE 15 U.S. Code 1666.
2. UTILIZATION OF THE ACC SHALL NOT BE FURNISHED 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Also request under 15 U.S. Code 1666d - Treatment of credit balances Section ( B ) refunds any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance.
Please credit my accountant for the balance or refund the balance Deposited to my treasury direct accountant.
XXXX # XXXX ROUTING # XXXX XXXX XXXX XXXX has 7-10 business days to honor my request, or I will immediately file a complaint with my state 's attorney 's office and a filing a complaint with the federal court in my jurisdiction.
Thank you for your immediate prompt attention to this
|
| 01/16/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
On XX/XX/22 I received an email from Marcus Bank by Goldman Sachs, Marcus.com, that they received funding to open a new account in the amount of {$250000.00} I opened the account because the funds were currently sitting in a brick and mortar bank, XXXX XXXX XXXX, where the interest paid was a fraction of one percent. Marcus offered an online account paying 3.3 percent.
Two days later I received an email that there was a problem and they needed to speak to my mom who was diagnoses with XXXX and has no idea what is her current reality.
She is currently in XXXX XXXX at an assisted living facility. The representative insisted that he must speak to her. I explained to him that I have a Power of Attorney as well as a note from her doctor explaining her XXXX status. I offered to email him both in pdf format.
He declined but did give me a mailing address where I could send them which I did. After a bit over a week of no contact I called them again and they confirmed receipt of the documents which had been sent to their legal department. They informed me that I will need to complete another form and have it notorized. Why did they not tell me this during the previous conversation when I got the mailing address to send the POA? Regardless, the representative told me that he would mail me the form which I never received. Today, a little over a week later I called again to mention that the form never arrived and the representative claimed that apparently the legal department was still evaluating my mailed in documents. Bottom of the pile???? Today I was told again that they would still require to speak to my mom. I explained, again, that the police confiscated my mom 's drivers license years ago deeming her to be too confused to be allowed to drive. I also mentioned that during my last visit with my mom she requested that I ask her brother to leave the room. Apparently they were playing cards and she was unhappy with how he was playing. Her brother died many years ago.
It has now been a few days short of a month that they have held the funds and locked me out of the account. I told the representative that I was able to sell my mom 's house and arrange her health care using my current POA and explained that this situation is entirely not satisfactory to me and that once I jump through all of their required hoops and can access the account the first thing that I plan to do is close the account and send the funds back to the source account at XXXX XXXX XXXX. I no longer wish to do business with their bank and could she simply do that. She said that she could not.
I explained to her that in order to file a complaint here or with XXXX XXXX regulators I must file an official complaint with her bank. I asked her if she can do that or if I should mail her a hard copy of the complaint. She said that she could do that. So here I am locked out of {$250000.00} which Marcus Bank should not have accepted from the beginning if the info provided to open it was insufficient.
Your assistance would be greatly appreciated. Thank you!
|
| 06/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
Goldman Sachs Apple Card. I have been calling their customer service number for the last several months trying to enroll in a long term low interest payment plan for my balance of over {$13000.00} due to recent financial hardship stemming from XXXX, job changes, and loss of savings. I have been able to enroll in similar plans with every single other one of my other credit cards except the apple card because they do not engage in 3rd party debt consolidation or settlement programs, therefore, I am limited to dealing with them and them only. When I asked for this plan a few months ago I was first told that I needed my account to be past due in order to be eligible. That occurred on XX/XX/XXXX of this year which I was then informed had to be an additional month past due, which recently occurred on XX/XX/XXXX of this year. At that time, I contacted Goldman Sachs apple card again at their collections department who informed me that I was still not yet eligible for that program and the agents indicated to me that they were not sure why I was not showing as eligible for that program in their system. I spoke to a supervisor named XXXX on Friday who informed me that with the agent should never have given me timeframes on when I would be eligible for this program which the information, I was given ranged from one to three months past due and that he apologized for inconsistent information given by the agents. This supervisor XXXX also told me that I should be eligible for the program I'm seeking, which is a long term low interest plan paid off over a number of years with equal payments however it was not showing up in the system due to some IT error. He informed me that he was making a complaint to the IT department about the issue and that he could not sign me up at that time for the program I desired due to the glitch but to call back in a few days and it should be clarified. I have done so and the next day I called and was told by an agent that the manager named XXXX was likely trying to just relieve my frustration and seemed to invalidate or take back the notion that there was an IT glitch causing this plan I required to not show up in the system from my account. At this point I was flabbergasted with confusion as to why a manager would do such a thing and organized a callback from a supervisor with the agent. This callback never occurred from a supervisor and I have been speaking with two agents recently who kept informing me that the only two options are available for payment plans are short term options including a one month deferral and a six month payment plan which, I informed them would not fulfill my needs. I'm at a loss by all the frustration, inconsistent information, lack of kindness and responsibility taken by Goldman Sachs, and having to put my account into further delinquency because I was told that that was the only way to be eligible for the program that I needed. Agents are now telling me the program I am requesting no longer exists. I am again waiting for another call from a supervisor as we speak.
|
| 05/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2021 there was a fraudulent charger placed on my apple card to a XXXX merchant with the name XXXX for {$130.00}. I immediately disputed the charge and heard nothing back until XX/XX/XXXX when they emailed me to advise they had reinstated the charge on account of the merchant providing proof of purchase. I then engaged their chat support for 40+ minutes and was repeatedly given the wrong info so I called and spent another 30 minutes requesting the proof and to reopen the dispute. That agent advised that I must prove that I did not make the charge. I asked for a manager to contact me which I was told would happen but never did. On XXXX I called to inquire and spoke to Supervisor " XXXX '' who stated I should have received the info so she reopened the request with " heightened urgency ''. She also assured me I do not have to prove my innocence but that it would be good to call XXXX and file a claim with them. I called again on XXXX and spoke to supervisor " XXXX '' explaining I need the prior digital card number ( which was changed when filed the initial dispute ) so that I could contact XXXX to address with them. She refused to provide me the number. She then told me that the prior 3 agents had not correctly requested the proof and put me on a long hold. She eventually told me that the info was sent to me on XX/XX/XXXX ( almost a month before I ever even asked for it ) but refused to provide the email address it was sent from. She stated she opened another request and that her manager would call me within two hours. She advised that she had left thorough and detailed notes on the account. After not receiving the promised phone call I called again on XXXX and spoke to manager " XXXX '' who said the only notes that XXXX left stated " prior agent says they requested proof of purchase, customer states they did not receive it ''. XXXX states that she updated my account with the details about XXXX XXXX conduct and my request for a manager to listen to the phone call and then call me back. She states that I she again requested the proof and that it also be sent via regular mail as well. She stated that the proof was sent to my email ( which we confirmed she had the correct address ) at XXXX Eastern time that day, she also declined to tell me what email address it came from and waited while I checked all Spam folders and inboxes ( I never got it ) She advised I should call again and ask for the " Advocacy '' Team M-F during business hours and that she too has updated the account and escalated the issue to the appropriate level of management. To summarize, I have formally requested the alleged proof numerous times and spent several hours on the phone trying to resolve this issue. I have been given consistently inaccurate and conflicting information and I have been denied a copy of the merchant 's proof of purchase as well as my account number so that I can attempt to address through XXXX. I did not make this purchase and it is clear that GS 's is attempting to bully me into submitting payment for the charge.
|
| 03/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
Purchase Date : XX/XX/XXXX Product : XXXX XXXX XXXX XXXX XXXX XXXX : Apple Card Card Issuer : Goldman Sachs Problem : Apple Card Monthly Installment Plan For specific Apple products purchased with Apple Card.
Amount : {$810.00} Installment amount : {$34.00} I purchased the XXXX XXXX XXXX on XX/XX/XXXX under the Apple Card Monthly Installment Plan for Apple products. The total amount, {$810.00} was applied in full to my Apple credit card. Not the monthly installment amount, {$34.00}. As a result, my available credit for purchase was reduced, an increased total remaining card balance, and Apple Card has reported information to the Credit Bureaus suggests a higher credit utilization rate with this card.
During the phone call with the Apple Card Specialist, who helped me with the application and applying for the Monthly Installment Plan didnt fully disclose how the Monthly Installment Plan works or potential effects to credit and credit availability and overall interest charges that potentially will arise. Additionally, I have read and reviewed the availability information on the Apple Card website and the terms and conditions available in the Apple Card Customer Agreement pertaining to the Monthly Installment Plan. There is no mention, directly or indirectly of, the amount of the product being charged in full to the consumers credit card when purchased under the Monthly Installment Plan. Moreover, the consumer is forced to pay off their card balance in full before paying off the product purchased under the monthly installment plan. Apple Card & Goldman Sachs has drastically infringed on consumers abilities to manage personnel debts. For example the strategy of paying down/ off debts with the lowest interest rate.
I am also concerned with interest charges. Apple states, customers wont pay interest on the specific item purchased on their card under the monthly installment plan. However, as I mentioned before, the total amount was applied to my card increasing my total card balance amount remaining/ owed. To my understanding interest charges are calculated using ones total card balance amount remaining/owed. I have reached out to Apple Card Services. I have talked with numerous Card Services Specialist and Supervisors on various occasions regarding my complaint. However, I have not heard from anyone else from Apple Card Services regarding my complaint. Moreover, in the documents and areas of information available to consumers previously mentioned it further creates confusion about the monthly Installment plan and is misleading when Apple/Goldman Sachs stated eligibility is subject to credit approval. Which suggests consumers will be subjected to another credit check to determine credit worthiness for the monthly installment plan separate from the current credit card account currently held. Lastly, the charges for the monthly Installment plan is always charged after the close of a billing cycle, creating a new charge for the next billing cycle even if I hadnt made no other purchases to produce a new bill
|
| 07/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/20, I discovered a past-due balance on my credit report, from XXXX XXXX for the " XXXX '' Credit Card for {$9.00}. I never authorized this charge. I called XXXX XXXX at XXXX, and eventually spoke with XXXX at approximately XXXX XXXX XXXX on XX/XX/20. She refused to provide any ID number, or any other identifying information. I told her I saw the past due amount on my credit report and never authorized these charges on my XXXX XXXX credit card. And that I needed the unauthorized charge reversed, and the past due amount reported to the credit bureau retracted, as it has significantly lowered my credit, at a time when I need credit.
She stated that most XXXX XXXX " XXXX '' credit card holders don't realize that XXXX automatically starts charging XXXX services to the customer 's XXXX XXXX credit card, because they are partners. She also refused to file a dispute for the unauthorized charge, and instead said that she could transfer me to XXXX. She then transfered me to a " XXXX, '' who intentionally or unintentionally hung up on me.
I have been harmed in the form of a significantly lower XXXX XXXX at a time when I need credit, in the midst of a crisis, and XXXX XXXX has refused to allow me to exercise my rights as a cardholder to dispute the charge and the reporting. In addition, it appears XXXX has refused to allow me to exercise my rights as a cardholder to increase their own profits and collude with their partner to XXXX to provide them preferential treatment over other retailers, and over their cardholders.
1 ) I believe XXXX and XXXX XXXX have colluded to increase usage of their credit card by automatically charging XXXX products/services to the customers ' XXXX XXXX credit card, without their knowledge. ( Either without permission, or sneakily buried in the terms and conditions somewhere ). The first customer service representative I spoke with confirmed that most customers don't know this happens and find these surprise charges on their XXXX XXXX credit card.
2 ) XXXX XXXX refused to allow me ( a credit card holder ) to exercise my rights as a card holder, in order to provide favorable treatment to their partner, XXXX. When notifying XXXX XXXX of the unauthorized transactions, the customer service representative, rather than filing a dispute of the unauthrorized transactions, she offer to transfer me to XXXX.
3 ) In addition, XXXX XXXX XXXX XXXX make it very difficult to view balances, pay the credit card, or do anything else, without an XXXX.
I would like what I originally asked : 1 ) The {$9.00} charge to be removed, because it was not authorized by me.
2 ) The past due balance report to the credit reporting agencies to be retracted 3 ) {$37000.00} in compensation for the harm to my credit score and inability to obtain credit, when I need it most, during a crisis.
More broadly, it would be helpful if the CFPB investigated the deceptive, " bundling/tying '', and unfair practices that have been perpetuated by the relationship between XXXX XXXX and XXXX, to their customers.
|
| 12/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
GOLDMAN SACHS BANK USA ( XX/XX/2023 ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I recently applied for a APPLE CARD credit card and got denied on XX/XX/2023. In pursuant to 15 USC 1602 ( l ) the term credit card was used to initiate the consumer credit transaction. The term credit card means any card, plate, coupon book or other credit device used to obtain money, property, labor, or services on credit. I am the card holder and holder in due course. In pursuant to 15 USC 1602 ( n ) I am the one who came in with the credit card to initiate the transaction. It is not possible to get denied with something that I came in with. The term adverse action in 15 USC 1681 ( a ) never mentions anything to do with the consumer getting denied credit because its impossible to get denied something in which I am granting to your corporation the right to extend credit. In pursuant to 15 USC 1602 the term credit means the right granted by a creditor to a debt or deferred payments of debt or to incurred debt in deferred payments. Credit is my right and Im the one who regularly extends credit in the connection with loans and pursuant to 15 USC 1602 ( g ) I am the original creditor and I am well aware of my rights. I know that reporting to the consumer reporting agencies is voluntary notice. This is a private transaction and this is an unfavorable situation to me for the consumer. Nowhere in the term adverse action defined within the FCRA does it mention that a natural person can be denied credit. As an original creditor it is not lawful to be denied my right to grant credit. Furthermore my credit was used and I received no benefit from thr use of my credit. An inquiry popped on my consumer report which was the receipt of a transaction meaning somebody got paid off my credit and I received no benefit from it at all. In fact damages were done from the denial of my rights mentally and financially. Under 15 USC 1643 ( e ) the term unauthorized use means a credit card by a person other than that the cardholder who does not have actual implied or apparent authority or such use for from the cardholder which receives no benefit. Ive been discriminated against as there are no federal laws that state a credit score can deny me and my right to extend credit. Ive in good faith exercise my right and I the natural person have been discriminated against the pursuant to 15 USC 1691 Equal credit opportunity act. It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. For the damages that have been done to my mental distress and financial reputation as I take my consumer report in life seriously. I will take this to a federal level if my request to open the account in which adverse action has taken place. Im aware of my open end credit plan and right to contract unlimited credit without being denied. I demand your company reinvestigations matter and abide by federal law to open up the account in which Ive extended credit.
|
| 12/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I started a dispute on a credit card purchase through Goldman Sachs apple card where a seller listed a product and provided a false tracking number to confirm delivery. I never received any product or reply from the seller and the dispute was ruled in the sellers favor. I tried reaching out through the apple card support line to try and present evidence for the case but I was not given an outlet to do so. Because of this, the bank ruled in favor of the seller without hearing any supporting evidence. It took months for the bank to to come to a decision without ever reaching out to me. The reason for the denial was that a tracking number was provided but no other information was given. I have reopened the case but am having the same problem. Below is the basic timeline of the issue : I purchased a pair of boots in the amount of {$400.00} on XXXX. The seller who I purchased from was new on the website where I made the purchase and did not have any feedback, but since the product was verified and had a money back guarantee from XXXX, I purchased the item ( I had not had any problems with the site until this point ). The seller was responsive at first and provided a tracking number on the site. The tracking number provided to XXXX ( XXXX : XXXX ) and XXXX ( XXXX XXXX ) were different. In the sellers profile, they said the were shipping worldwide from XXXX but the tracking number came from XXXX XXXX. I had been tracking the package and when it said delivered, I did not receive anything. At that point I reached out to the seller and asked what address he used to ship it to. He never replied to me and never gave any clarification. After I did not receive a response, I decided to report the package missing to XXXX. In order to start the missing package search, XXXX requires you to enter the address to confirm that you are the intended recipient. I entered my address, XXXX XXXX XXXX XXXX, for the tracking number ( XXXX XXXX ) and it said The address you entered does not match our records. Please verify and try again.
The picture that showed the delivery was not my address and the seller refused to confirm where the package was sent. The seller is the only one who is able to see the details about the shipping label due to privacy concerns so I was never able to determine where the seller sent the package. I believe that the seller conducted a tracking number scam where a worthless package was purposely sent to the wrong address to confirm delivery but of course I never received anything. In this case, I was not given a chance to present this information and the decision was reached solely due to the reason that a tracking number had said it was delivered.
The attachments included are a photo of the conversation between the seller, a photo of the tracking information, proof of the wrong shipping address from XXXX, a photo of the banned account and authenticated product from the website, and a screenshot of the sellers profile ( these descriptions may not match up in order to the attachments )
|
| 05/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/XXXX : made purchase of {$330.00} using Apple Card for XXXX gym membership at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA. The agreed upon period was XX/XX/XXXX to XX/XX/XXXX. See Sales Contract attached.
XX/XX/XXXX : XXXX XXXX XXXX XXXXXXXX closes all its locations due to XXXX, and as required by CA XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX mandates .
XX/XX/XXXX - As COVID and government mandates still in place, I request for a refund of my membership fee but am unable to reach XXXX XXXX XXXX and was transferred several times until I was disconnected.
I call Goldman Sachs Apple Card to request a dispute of the chrage because the merchant is unable to fulfill the terms of the signed contract and I would kindly like to request a full refund ( or pro-rated 13 months ).
XX/XX/XXXX - Apple Card/ Goldman Sachs sends me an email stating that the dispute has been investigated and resolved in favor of the merchant because " The merchant provided sufficient evidence that you made the purchase '' This is NOT the dispute. The dispute is because XXXXXXXX XXXX XXXXXXXX is unable to open and therefore is holding my money until they can open. My contract I signed says a specific time period for the membership.
XX/XX/XXXX - On the same day I receive this " resolution '' email. I call Apple Card/Goldman Sachs support again and explain the situation thoroughly. They say they understand and make notes to ensure the investigation will look at this reasoning.
XX/XX/XXXX - Apple Card/ Goldman Sachs sends me an the EXACT same generic email stating that the dispute has been investigated and resolved in favor of the merchant because " The merchant provided sufficient evidence that you made the purchase ''. Clearly Apple Card/ Goldman Sachs did not listen and take into consideration my contract. XX/XX/XXXX - I call Apple Card/Goldman Sachs again and explain everything over in detail AGAIN. They take notes and said will re-issue the dispute. XX/XX/XXXX - I receive an automated email from Apple Card/Goldman Sachs requesting any additional info/evidence. I send via email my XXXX XXXX XXXX signed contract for them to view.
XX/XX/XXXX - Apple Card/ Goldman Sachs sends me the EXACT same generic email stating that the dispute has been investigated and resolved in favor of the merchant because " The merchant provided sufficient evidence that you made the purchase ''. They did not even look at my contract.
XX/XX/XXXX - I call Apple Card/Goldman Sachs again to request to re-issue the dispute and to please look at my contract. I follow up to their evidence request with even more evidence such as CA state mandates, and how XXXX XXXX XXXXXXXX is not following safety protocols for the XXXX weeks that they were allowed open during the summer. XX/XX/XXXX XXXXApple Card/Goldman Sachs AGAIN just sends me a generic email saying the dispute was resolved in favor of XXXX XXXX because they provided evidence that I made the purchase. Again, this is NOT why I am disputing the transaction.
|
| 07/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX, I noticed a charge on my Apple Card for {$920.00} for a purchase made at the Apple Store on XX/XX/XXXX, which I did not make or authorize. I immediately initiated the dispute process via XXXX XXXX see screenshots XXXX. They reversed the charge and began the investigation. This past Wednesday, XX/XX/XXXX, I received an email notice from Apple Card / Goldman Sachs that the dispute was being ruled in Apple 's favor, because I was contacted to provide additional evidence, and did not reply. They applied the {$920.00} to my account ( see screenshot - official language - " No response was received for the request for additional evidence in the past week. Using available information, we decided that you should be responsible for this charge '' ) Searching my email, I found this to be not true. I immediately CALLED rather than using XXXX and spoke to someone who said they saw that that message had been sent to me, however that I was correct that no email had ever been sent to me to request additional information - Goldman Sachs had effectively ruled the case in Apple 's favor without actually contacting me for anything- They credited my account and re-opened the dispute. She had let me know that this transaction had been done via Apple Pay, so securely via a device. On XX/XX/XXXX, I was nowhere near an Apple Store- I was camping in the woods with friends, all of whom can provide evidence that I was with them. Later that day, I received another email stating the dispute was ruled in Apple 's favor ( again ) due to the fact that the merchant had issued a credit. Apple had not issued credit, but rather Goldman Sachs a credit for the time for the dispute. They re-charged my card for the amount in question. I called and had the dispute again re-opened. The woman on the phone admitted that Goldman Sachs had done incorrectly, and the person looking over the dispute had clearly mistaken their credit for Apple 's credit. She re-opened the dispute once again, and the charge was taken off my card temporarily. XX/XX/XXXX, I received a notice that the dispute was once again being ruled in Apple 's favor due to them providing evidence that I had in fact made this purchase. I called to once again open the dispute, but they were unable and are now entering an investigation in which I will be required to submit evidence that I did not make this purchase. I'm not sure how to provide evidence for something I did not purchase - and can not and WILL not pay {$920.00} for something that I did not purchase which is clearly fraud. The process that Goldman Sachs has been implementing is not only incredibly unprofessional, but sloppy. Now I'm waiting for an investigator to contact me to try to further review the case and for the " evidence '' that is being used against me. I did not make it, and the few devices in which I'm able to use Apple Pay on were within my possession on XX/XX/XXXX. I do not have faith that the investigation will be done correctly, so I am including the CFPB for assistance.
|
| 11/27/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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As of XX/XX/XXXX, we NEVER received the reimbursement. Reference is made to original CFPB Complaint ID : XXXX ( XX/XX/XXXX ) and XXXX Complaint IDs : XXXX ( XX/XX/XXXX ) & XXXX ( XX/XX/XXXX ), in which Marcus by Goldman Sachs agreed to stop debiting our previously opened CD account Federal Backup Withholding and reimburse us {$360.00} ( Marcus approval interaction note : XXXX Case # XXXX ) within XXXX business days back in XX/XX/XXXX. On XX/XX/XXXX, I contacted Marcus for a status of the refund and spoke to Supervisor XXXX ( last name unknown ) who informed me that the previous case was prematurely closed on XX/XX/XXXX ( no reason was provided/documented ) and Marcus representatives did not follow detailed steps ( including reopening our CD ) to reimburse us based on an approval on XX/XX/XXXX by Supervisor XXXX ( XXXX name unknown ). It should be noted that Marcus responded to the XXXX and CFPB complaints that the reimbursement would occur within XXXX business days back in XX/XX/XXXX. XXXX stated she was requesting the case be reopened to reprocess the refund ( Case # XXXX ) and escalating another case to the Customer Care Team for review and refund options ( Case # ending- XXXX ). After dealing with this entire ordeal for more than 5 months ( when the Federal Backup Withholding debits were first identified ), I asked XXXX to speak to her Supervisor, since this ordeal includes multiple events where Marcus representatives stated a certain action would occur and then never materialized ; from ceasing debits after receiving a signature card in XXXX, to Supervisors returning calls, to providing the reimbursement, etc. I asked XXXX to document our conversation and provide a documented history of all of these events, and she stated they were noted internally only, and Marcus representatives were not permitted to send outbound emails to document these transactions ( no transparency ). XXXX then became frustrated and hung up on me, and I had to immediately call back to file a complaint with Supervisor XXXX ( last name unknown ) on XX/XX/XXXX. On XX/XX/XXXX, Marcus rep XXXX stated her supervisor XXXX requested she make an outbound call to me to notify me the case has been reopened to investigate why the reimbursement was not processed and why the case was closed. On XX/XX/XXXX, I received a voicemail from XXXX asking me to call back for an update and that I could speak with anyone. Approx. XXXX minutes later I called back and spoke to XXXX, who reportedly also reports to XXXX, and she said there was no update and that XXXX never called me. I then asked to speak to a supervisor and was transferred to XXXX who stated XXXX and XXXX were mistaken and that their system just updated with XXXX 's message ; which was that the reimbursement had been approved AGAIN and would be transferred to our savings account ( not mailing a check - which is what I requested ). This {$360.00} reimbursement ordeal is still ongoing and after dealing with numerous Marcus representatives has not been resolved.
|
| 07/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
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Goldman Sachs Bank USA has notified me that they closed my Apple Card account as of XX/XX/XXXX for non - repayment of an extension of my own consumer credit, WITHOUT MY WRITTEN, XXXX SIGNATURE requesting for them to do so. Goldman Sachs Bank, USA is causing financial damage to my life and robbing me of happiness that I deserve to have.
Goldman Sachs Bank, USA in violation of : 18 USC 892- Making extortionate extensions of credit.
15 USC 1692 ( b ) ( 2 ) - not state that such consumer owes any debt.
18 USC 894 collection of extensions credit by extortionate means.
12 CFR 1026.12 ( e ) ( 1 ) ( 2 ) - Prompt notification of returns and crediting of refunds.
15 usc 1602 - Definitions and rules of construction : ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
( m ) The term " accepted credit card '' means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use for the purpose of obtaining money, property, labor, or services on credit.
( n ) The term " cardholder '' means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person.
Senate Document No. 43, 73rd Congress The ownership of all property is in the State. Individual so-called ownership is only by the virtue of the government, i.e. law, amounting to mere user, and use must be in accordance with law, and subordinate to the necessities of the state.
Congressional Record, March 9th, 1933 on HR 1491, p.83 Under the new law, the money is issued to the banks in return for government obligations, bills-of-exchange, drafts, notes, trade acceptances, and bankers acceptances. The money will be worth 100 cents on the dollar, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of the people of the nation.
Title 18 8. Obligation or other security of the United States defined the term obligation or other security of the United States includes all bonds, certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
As it is a fact that all property in the United States as a result of the XX/XX/XXXX act is under the ownership of the United States, and/or its designee, that the currency is underwritten by US Treasury notes , bills and/or obligations, it is impossible for me to be held liable for government obligations.
Goldman Sachs Bank, USA is violating me as the consumer.
|
| 12/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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In XXXX of 2022 XXXX XXXXXXXX XXXX card sold their financials to Goldman Sachs for the XXXX reward card. I had a balance of XXXX that transferred to a Goldman Sachs account ( not by my choice ). I created a login and continued to pay my first payment of XXXX to Goldman sachs at the beginning of the month. I did not enroll in auto pay and I did not activate my new card as I planned to pay off my card and close the account. I did not want to do business with Goldman Sachs.
On XXXX XXXX an automatic withdrawal came out of my checking account for the remaining balance of my Goldman Sachs XXXX XXXX XXXX which was XXXX. I called immediately to find out what happened and they apologized and I was informed that several customers have called and complained of the same issue. They promised a refund to my checking account and my balance return to what is was, so I could continue making my regular payments.
On XXXX XXXX I see the refund return to my checking account and my balance return to {$2600.00}. I think everything is okay and the problem is solved, until...
On XXXX XXXX I log onto my dashboard to find my balance has doubled exactly. A " transaction '' called debit adjustment was on my statement for XXXX. This brought my balance to {$5200.00} I called back immediately and no one could explain why this happened and they said that is was definitely wrong. They filed a claim and an investigation against the matter. This took 90 days to get an answer, meanwhile the interest rate has made min payments very high, my credit limit on my card was XXXX so they began reporting me to the credit bureau as over the credit limit. Since XXXX we have gone through XXXX investigations/disputes/filing claims, also XXXX disputes with the credit bureaus and I can not get anything resolved.
This has caused my XXXX XXXX to drop over XXXX points when I was in good standing and getting ready to buy my first home. I am unable to do that now due to this issue that is not my fault. I have been calling every week since XXXX to get answers and every person I talk to on the phone can see the problem but nothing comes out of it.
In the past month, they sent me a letter saying they were going to send me to collections if I did not pay XXXX XXXX I did make that payment out of fear of dealing with collections because I am a person that pays bills on time and financially responsible.
I believe this to be fraud and that Goldman Sachs knows exactly what they are doing and this is most likely happening to millions of people that have been sold out from XXXX XXXX XXXX rewards XXXX.
I am discouraged beyond belief that my XXXX XXXX has been damaged this badly for something I am not responsible, I feel like a victim to this credit card company and want to see justice come out of this situation. The amount of time spent calling/waiting and talking to people from this company is time I will never get back, countless hours. Something felt wrong from the very beginning and I wish I would of know about this agency sooner.
|
| 03/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
Goldman Sachs ( GS ) refuses to give full cash back amount on Apple Card on Apple Store XXXX transaction because they don't count it as an XXXX transaction.
1 ) Apple Card is issued by Goldman Sachs. The Card Agreement clearly says that " Goods or services purchased directly from Apple. These include purchases from Apple retail stores, the Apple online store, iTunes, Apple Music and other Apple-owned properties.App Store purchases ( including In-App Purchases* ) .... [ eligible for cash back in the amount of ] .... 3 % of the transaction amount ''.
2 ) My order was placed with Apple Online Store XXXX.
Order Number : XXXX Order Placed : XX/XX/2021 Ordered Items : 12.9-inch iPad Pro Wi-Fi + Cellular 256GB - Space Grey, Smart Folio for iPad Pro XXXX ( XXXX generation ) - Deep Navy Order Amount : INR XXXX ( or {$1600.00} as it appears on the card ) Legal Entity on the receipt : Apple XXXX Private Limited.
Cash back that was reflected on the transaction was 1 % only.
3 ) When I noticed a reduced cash back ( 1 % as on any general purchase ) on the card transaction, I contacted Apple Card Client Support team at Goldman Sachs and created a dispute to get the full amount of the cash back XXXX 3 % as is supposed to be for Apple purchases ).
Two days later I received an email saying that the dispute was not resolved in my favor. Quote : " Your correspondence regarding your Apple Card account was received. Although this matter is in regards to your Apple Card account, it is being handled by Goldman Sachs Bank USA, who is the issuer of Apple Card.
Your dispute has been investigated. You contacted us on XX/XX/2021 regarding Daily Cash you earned on a transaction. We have investigated your dispute and determined that no error occurred on your transaction dated XX/XX/2021 at Apple Limited for {$1600.00}. You earned 1 %, or {$16.00} by using your card number. You have the right to request the documentation we used to determine the outcome of your dispute. '' 4 ) I contacted Goldman Sachs again on the same date to clarify and escalated this issue to a supervisor. They explained that they only give 3 % cash back on Apple US purchases. I asked where this is stated in the Card Agreement and they could not find such verbiage, so they created a new dispute at my request.
5 ) Two more days later, on XX/XX/2021 I got a phone call from a GS supervisor who related to me the same resolution on my new dispute. They claimed that " Apple Limited in XXXX is not an Apple-owned entity and does not qualify for full cash back ''.
As a Consumer of the bank product ( Credit card ), I do not see any of such verbiage in the Card Agreement and my consumer understanding is that GS must accrue 3 % cash back on this transaction.
I could not resolve this with GS after several interactions.
Please help to keep Goldman Sachs accountable for their baseless attempts to avoid paying the full cash back and make them follow the terms of the Credit Card Agreement that they themselves created.
Thank you
|
| 09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am writing to bring to your attention a matter of serious concern and seek your prompt intervention in rectifying an erroneous credit delinquency report on my account, which transitioned from XXXX XXXX to Goldman Sachs in XX/XX/2022 under the XXXX XXXX XXXX. Despite my history as a responsible and compliant account holder with XXXX XXXX for eight years, the transition to Goldman Sachs brought about unanticipated challenges that have gravely impacted my credit report.
Inaccessibility to XXXX XXXX Account : During the transition, I was unable to access my account, hindering me from managing my balance, bills, and other related matters.
Failure to Receive New Card : Despite numerous communications with Goldman Sachs ' customer support, the delivery of my new card was mismanaged due to an outdated address error on their part.
Delays in Issue Resolution : The misdelivery caused further delays in receiving my new card and accessing the new Marcus account, despite multiple assurances from the bank 's support staff.
Erroneous Credit Report Delinquency : An unwarranted credit report delinquency was reported during this period, which I promptly settled upon gaining account access, but the delinquency record persisted.
Adverse Impact on Mortgage Application : This incorrect delinquency report is now adversely affecting my mortgage application for a home purchase.
Unfruitful Resolution Attempts : Despite my earnest efforts to resolve this with the concerned parties, I have encountered resistance and inaction.
Moreover, the delinquency was re-reported on my credit report even after submitting two complaints to the Consumer Financial Protection Bureau ( CFPB ) whereupon the bank acknowledged a technical error and refunded the outstanding amount to my credit card account. It is perplexing and unacceptable that the delinquency has re-emerged on my credit report despite these remedial actions.
I hereby urge your immediate attention and action to rectify this erroneous delinquency reporting. It's imperative that this issue is resolved expeditiously to prevent any further detriment to my creditworthiness, and to facilitate my ongoing mortgage application process. Should this matter remain unresolved in a timely manner, I am prepared to pursue legal action against the bank to ensure the removal of this unjust delinquency from my credit report, as it stands as a significant obstacle in my home purchasing endeavor.
Enclosed are the relevant documents supporting my claims. I am keen on working collaboratively to resolve this matter and I am available for any further discussions or document submissions as may be required. I look forward to your prompt response and action to rectify this unfortunate situation.
Thank you for your attention to this critical matter.
Sincerely, XXXX XXXX Enclosures : Statement from GoldmanSachs from my previous CFPB complaint admitting fault. Dispute results with XXXX. XXXX XXXX credit drop. Marcus ( GS ) credit card statement that shows reversal.
|
| 05/04/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
This is my third time opening a complaint via CFPB about the same problem : Goldman Sachs Bank continues to claim I owe additional money to them on an XXXX XXXX XXXX. I purchased an XXXX XXXX XXXX from XXXX in XXXX, XXXX via the XXXX website. I was offered 0 % financing on the XXXX XXXX at a purchase price of {$990.00}. The financing agreement was for XXXX payments at either {$82.00} or {$83.00} with tax. I have already provided Goldman Sachs with records of the payments I made, starting in XXXX, XXXX. I provided them with a list of all the payments I made via my bank in XXXX XXXX, totaling the purchase price of {$990.00}, in an Email dated XX/XX/XXXX. Goldman Sachs has not been forthcoming and has not acted in good faith in attempting to resolve this problem. They contacted my bank without informing or asking me about doing this. In every way, they have acted aggressively rather than in good faith.
Instead, Goldman Sachs has apparently applied some of my payments on the XXXX XXXX to other items in the XXXX XXXX app. Items like my XXXX storage ( memory ) and XXXX XXXX are deducted directly from my bank account ; so my payments to Goldman Sachs should not be used to pay for such XXXX related expenses. Yet Goldman Sachs continues to harass me, claiming I owe additional money to them. At first their demands were for something like {$64.00}, then grew to {$140.00}, and now Goldman Sachs demands that I pay an additional {$140.00}. Despite having had open complaints filed with CFPB, Goldman has not acted in good faith. Instead, they are reporting me to credit reporting agencies, contacting my bank, and they recently have threatened me with court costs, attorney fees, and billing me for the hourly wages of attorneys or collection agencies fees.
I am afraid that, even if I pay Goldman Sachs the newest demand, for {$140.00}, they will continue to harass me and fabricate new charges and fees they claim I owe them. They say to contact an Apple Card Specialist, which I have done at least a dozen times. Each time it is like starting from scratch, because the Apple Card Specialists have explained to me that no records are kept of what was discussed or agreed to on the phone calls. I also shall go to my bank to verify that my records from my monthly statements are correct.
Under threat of legal retaliation, attorney fees, and billing for hourly wages, I feel coerced into paying Goldman Sachs to avoid such punishments for objecting to their outrageous, unprofessional behavior related to this small amount of money. I have never defaulted on a loan or missed payments on a loan for a car or a home ; why would I default on a loan for a computer? Yet I feel blackmailed into paying their demands to avoid owing whatever they may claim I owe. I shall pay the {$140.00} only if Goldman Sachs guarantees that, once I have paid that amount, they will cease and desist adding new charges that I supposedly owe. I shall never again finance an XXXX product or anything else through Goldman Sachs.
|
| 06/23/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Goldman Sachs Bank USA did not respond to the CFPB complaint ID XXXX filed on XX/XX/2020. The only message I received was " The company can not respond to this complaint, '' which is unsatisfactory. Please respond to this complaint properly and professionally.
My Online Savings account with Goldman Sachs Bank USA ( under the brand name XXXX ) was opened on XX/XX/2020. The account was funded on XX/XX/2020. On XX/XX/2020, I found that online banking access was blocked, and I had no access to my money. I was shocked because I never received prior communication ( neither email nor letter ) regarding this block. I did not know when the account got blocked, because I did not use online banking very often to check balance. On XX/XX/2020, I called XXXX Customer Service, I was told that someone from their Specialist Department would call me within 24-48 hours. Nobody called me, and account was still blocked. On XX/XX/2020, I called XXXX Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent put me on hold for half an hour, and she promised that the Specialist Department would call me within 24-48 hours. I insisted that I could hold in line to wait for the Specialist Department to have time to speak with me. I was told that the Specialist Department was busy. Then I offered to make an appointment for their best time for the call, because the Specialist Department already failed to keep the promise. I was denied of such an appointment, and the agent guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account was still blocked. On XX/XX/2020, I called XXXX Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent promised that the Specialist Department would call me within 24-48 hours. I told the agent that the same thing had happened twice before, and the Specialist Department had failed every single time. The agent again guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account was still blocked. On XX/XX/2020, I called XXXX Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent promised that the Specialist Department would call me within 24-48 hours. I told the agent that the same thing had happened twice before, and the Specialist Department had failed every single time. The agent again guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account is still blocked. My account is still blocked, and I still have no access to my money. For the duration of two weeks, I called Goldman Sachs Bank four times, but to no avail. Their Specialist Department never called me, and never unlocked my account.
|
| 09/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American, Servicemember |
|
I am a XXXX XXXX XXXX XXXX XXXX who rents out my extra room on a daily, weekly or monthly basis ( similar to an XXXX XXXX XXXX XXXX type situation ) And so i rented my room out for 10 nights to a man named, XXXX XXXX who made two payments of {$520.00} to cover the total rent costs of {$1000.00} + {$40.00} cc processing fees. Which he paid for using his girlfriends Apple credit card, with her permission. While staying here I witnessed him on numerous occasions call the cc company to make false claims about purchases he indeed was responsible for. After witnessing his shady behavior first hand as well as him stealing money from my bedroom, we asked him to leave once his XXXX day was up. In retaliation he has called the cc company to claim that the {$520.00} payments that we processed using our square cc reader were supposedly fraudulent charges not made by the account owner.
So when I received the charge back from XXXX, I contacted the account holder for the Apple credit card, which was XXXX XXXX ( XXXX girlfriend ) and she claimed to have no knowledge of XXXX using her cc, which I know is a lie, because when I heard him call the Apple credit card operators, they had to send a verification code to the account holders phone number on file, since he was calling from his phone and not her phone number, she would receive the text message verification code and then text it to him so he could repeat it to the customer service operator and get access to her credit card account. Not to mention on a couple occasions he needed to order a new credit card, because the card he had was stolen ( another fabrication to charge off his purchases ) and in order to activate an Apple credit card, you need to put the box that the new credit card came in, next to the account holders phone, and thats how the new credit card gets activated. So in order to turn on the new credit cards, he must have used her phone to do it. Yet she was trying to spin a story to me that she has been out of the state for the past few months in on the XXXX XXXX. Well, if thats true, how did he gain access to XXXX phone if shes on the XXXX XXXX, which he obviously did! otherwise, he wouldnt have been able to turn on the new credit cards, and she was obviously in cahoots with him. Otherwise how would he have gotten the verification codes that got sent to her phone?
When I attempted to contact golden Sachs credit card over this issue, and to report this fraud scam, I was unable to talk to anybody because I dont have an account with goldman sachs XXXX and apparently having an account is the only way that you can get transferred to the fraud department. It makes no sense whatsoever. So I am making this report in order to have the chargebacks reversed to my XXXX account, so I can be made a whole again, since my services were rendered in full, and I deserve payment for said services.
The charges in question were made on XX/XX/XXXX via XXXX, to XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$520.00} x XXXX.
|
| 10/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, CFPB : Goldman Sachs ( APPLECARD ) is allowing merchants ( with DEFECTIVE SERVICES, DEFECTIVE PRODUCTS, AND MISLEADING ADVERTISEMENT ) defraud cardholders. On XX/XX/XXXX ( SATURDAY ), I made a payment to hold a quote from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$990.00}. I have since CANCELLED, ( First Cancellation of Tentative policy XXXX, effective date XX/XX/XXXX, XX/XX/XXXX-tuesday, was XX/XX/XXXX, XXXXsaturday and I received a refund of {$320.00} to different form of payment for a prior payment of {$320.00} made on XXXX XXXX-tuesday ) occurred on XX/XX/XXXX, I re-cancelled the tentative policy due to suspicious unauthorized activity on MY XX/XX/XXXX. XXXX made a partial refund in the amount of {$670.00} of {$990.00}, and they are refusing to issue the remaining {$320.00}. On XX/XX/XXXX ( MONDAY ), XXXX XXXX XXXX XXXX fraudulently charged me {$180.00} ( begging for money upfront before any services ) for routineXX/XX/XXXX, denied me access to XX/XX/XXXX, and unnecessarily exposed me to XX/XX/XXXX ( not sure my last XX/XX/XXXX XX/XX/XXXX ), and then rendered DEFECTIVE SERVICES. I have requested a REFUND FOR {$180.00}. On XX/XX/XXXX ( WEDNESDAY ), XXXX XXXX XXXX XXXX defrauded me out of {$140.00} ( {$99.00}, {$50.00} ) for an 8-week XXXX XXXX XXXX, they cajoled me to their office ( begging for money upfront ) and then denied me the XXXX XXXX, refused me the 8 week XXXX XX/XX/XXXX, tried to force A HIGH-FAT PIG DIET ON ME, and ill-advised I exercise no more than 30 minute daily for 4 days. On XX/XX/XXXX ( SATURDAY ), XX/XX/XXXX allowed AN UNAUTHORIZED PAYMENT IN THE AMOUNT OF {$2100.00} WITHOUT MY PERMISSION OR KNOWLEDGE. The attempted theft resulted in them trying to steal {$2100.00} from my other bank account. The payment transaction REJECTED and I was assessed a {$37.00} return XXXX FEE. On XXXX XXXX XXXX stole {$15.00} from my VISA PREPAID DEBIT CARD FOR A TRANSACTIONS I DID NOT GRANT THEM PERMISSION TO CHARGE TO THAT FORM OFPAYMENT. XXXX XXXX refuses to refund a purchase made inadvertently resulting from an XXXX technical difficulty issue, refund amounts to {$1.00}. XXXX XXXX OWES ME {$3200.00} for a defective XX/XX/XXXXproduct DROP OFF, they have refused to issue the REFUND DESPITE BEING WITHIN POLICY AND TERMS OF APPLE REFUND/REPLACEMENT POLICY THROUG XXXX. All transactions eligible for CHARGEBACK have been requested, and XXXX XXXX refuses to adhere to Regulation Z, Truth in lending, and the Fair Credit Billing Act of 1975. Goldman Sachs is acting as if THE FEDERAL GOVERNMENT CAN'T TOUCH OR REGULATE THEIR FRAUDULENT ACTIVITY, AND I REQUIRE ASSISTANCE FROM THE FEDERAL GOVERNMENT BECAUSE THE PROVISIONAL CREDITS ISSUED ONTO MY XXXX ARE NOT BEING MADE AVAILABLE FUNDS FOR MY USAGE WHILE THEY CONDUCT THEIR REDUNDANT XXXX INVESTIGATIONS. MOST IMPORTANT THEY HAVE TO START THE CHARGEBACKS. XXXX OWES ME A TOTAL OF $ {$3900.00}. Sincerely and Respectfully, XXXX XXXX XXXX, Phone : XXXX, Email : XXXX.
|
| 06/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
I am writing to express my deep frustration and disappointment with the lack of action taken by Apple Card/GS Bank USA regarding the fraudulent opening of a credit card account in my name. Despite my repeated attempts to dispute the fraudulent activity and provide evidence of my innocence, I have encountered an alarming level of disregard for my concerns.
I discovered an unauthorized credit card account under my name with Apple Card/GS Bank USA XXXX I can confirm with utmost certainty that I did not initiate the application process nor provide consent for the card to be opened. This act of identity theft and fraud has not only compromised my personal information but has also had a detrimental impact on my creditworthiness and financial well-being.
As soon as I became aware of this fraudulent activity, I immediately contacted Apple Card/GS Bank USA 's customer service hotline to report the issue and seek assistance in resolving the matter. To my dismay, I was met with a frustrating series of unhelpful responses, delays, and outright refusal to take appropriate action. The representatives I spoke with seemed dismissive and failed to demonstrate a genuine commitment to rectifying the situation.
Despite providing detailed information about the fraudulent account, including evidence that it was opened without my knowledge or consent, Apple Card/GS Bank USA has continuously disregarded my pleas for assistance. I have provided documentation, such as copies of my identification, which clearly show that the information used to open the account does not match my own. However, these efforts were met with indifference, and your institution has seemingly ignored the severity and urgency of this matter.
I am appalled by the lack of urgency and concern displayed by Apple Card/GS Bank USA in addressing this serious matter. As a victim of identity theft and fraudulent credit activity, I expect your institution to prioritize the protection and well-being of your customers. Instead, I have been subjected to a prolonged ordeal, which has caused me significant distress and financial harm.
I demand that Apple Card/GS Bank USA promptly initiates a thorough investigation into this matter and takes immediate action to close the fraudulent credit card account. Additionally, I insist that all negative marks and erroneous information related to this fraudulent account be expunged from my credit report. Furthermore, I expect compensation for the damages incurred, including any fees, penalties, or financial losses resulting from this incident.
Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to relevant consumer protection agencies and seek legal recourse to protect my rights and restore my financial reputation.
I trust that Apple Card/GS Bank USA will take my complaint seriously and act swiftly to rectify this distressing situation. I eagerly await your prompt response and resolution to this matter.
|
| 09/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I am writing to file a formal complaint regarding a series of unauthorized charges on my Apple Card account. I have exhausted all reasonable efforts to resolve this matter directly with the issuer, Apple, but the issue remains unresolved despite numerous attempts. Here are the details of the situation : On XXXX, XXXX, I initially set up a XXXX order, and subsequently canceled the order after the initial trial period. Between XXXX and XXXX, no charges appeared on my Apple Card account, indicating that the cancellation was successful. On XX/XX/XXXX, an unauthorized charge of {$77.00} was authorized on my Apple Card account by the merchant. I promptly disputed these unauthorized charges on XX/XX/XXXX, with Apple Card customer service. Disputes were filed again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as the unauthorized charges were not rectified. The charges for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, were recently reversed. However, these reversals came after multiple disputes were filed, indicating that the charges were indeed unauthorized. Throughout this process, new card numbers were issued each time by Apple due to the unauthorized charges. Despite this, the unauthorized charges continued to occur due to Apple 's participation in an updater program with the merchant. Apple acknowledged in my communications with their customer service that the updater program does not function as intended in the case of unauthorized charges, demonstrating their own awareness of the issue. I have made diligent efforts to resolve this matter with Apple, but their failure to prevent unauthorized charges and their lack of effective action have led me to this point of filing a complaint with the Consumer Financial Protection Bureau. The recurring unauthorized charges, despite multiple disputes and new card numbers issued, have caused considerable frustration and financial inconvenience. I kindly request that the Consumer Financial Protection Bureau intervene and investigate this matter on my behalf to ensure that these unauthorized charges are properly resolved, and appropriate measures are taken to prevent such incidents in the future. At a minimum, I am asking that they credit my account for the charges that were reversed for XX/XX/XXXX and XX/XX/XXXX ( and to really honor their zero liability pledge, the dispute for XX/XX/XXXX should also be honored ). I believe that it is in the best interest of consumers to have a secure and reliable financial system, and Apple 's inadequate response raises concerns about their commitment to protecting their customers ' financial well-being. Enclosed with this letter, please find copies of relevant documents, including communication records with Apple, transaction statements, and dispute documentation. I appreciate your attention to this matter and thank you for your assistance in resolving this issue. I look forward to a prompt resolution and your valuable support in holding companies accountable for their actions.
|
| 02/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
On XX/XX/XXXX ( last Saturday ) I received a message from Goldman Sachs Maucus Bank stated that an external bank, XXXX XXXX, was linked to my saving ( 3 ) accounts at Maucus and also attempting to transfer XXXX from my saving accounts. I went into my accounts and found that XXXX XXXX was linked to my Maucus bank saving accounts, I have no any relationship with XXXX XXXX and never authorized such linkage. I canceled the transfre and removed XXXX XXXX from my " external linked accounts '' at Maucus online banking website. I called the Maucus right away ( three times ), all I was told that I have to call back during the regular business hours.
I called again on Monday ( XX/XX/XXXX ) and reported the incident to Maucus 's tech support and being transferred to another " Specialist '' who opened three new saving accounts and I transferred all funds from the existing accounts to the new accounts.
However, the next day, Maucus blocked all my access to my accounts, I called a number of times, I was told someone " will call me back in two hours '' to help me unlock the accounts, no one called me back and I got the same answer whenever I calls.
On Wednesday I asked the bank to closed all my accounts and send back the funds to my accounts with XXXX XXXX XXXX where all the deposits were made from. However I spent over 6 hours and spoke with over a dozen of " specialist, '' the calls were constantly being interrupt and the bank also block my cell number and email, hence I could not get any identity verification code the bank required to close my accounts. Until XXXX the last " specialist '' told me all my accounts have been closed.
On Thursday, the bank left a message in the morning and asked me call the bank. When I called, the same story, they told me they won't close my accounts and all funds were subjected a further review which will take 5 to 7 business days. I tried to speak to different specialists, after 3 hours, one of the specialist ( supervisor level ) helped me went through the whole process again and she was able to identified my identity on phone ( called me three times, one call to close each account ) and told me there won ; t be any issue and I should receive all fund back to my deposit account with XXXX XXXX. Again one Thursday night two person from Maucus call me again and said he/she wanted to identify my identity again This is horrified and so frustrating, Maucus does not protect its customers, when incident occurred with their security system, they just blocked my account instead of finding what its the root cause.
Goldman Sachs Maucus Bank is poorly managed by a group irresponsible " specialists '' only a few are reasonable, most of them don't know how to respect customers and do their job. This security system of the bank is totally broken, how can the bank allow a third part bank linked to my account without my knowledge and authorization? As yesterday ( XX/XX/XXXX ), they still kept XXXX XXXX on my accounts.
|
| 04/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I am writing this letter in response to a dispute raised by me for a fraud transaction with issue control number # XXXX with the amount of {$920.00}. This transaction occurred on XX/XX/XXXX. I realized that this transaction was fraud as soon as I got a notification on my iOS device about the amount charged from the wallet app. I quickly reported this issue to XXXX XXXX who is the merchant for this transaction. As a result, they created a case ID ( XXXXX ) for this dispute. I immediately made sure to change my account password so the fraudster would not be able to perform more transactions. I also raised this dispute with Apple Card ( Goldman Sachs ) so that I will not be liable for the amount that I did not authorize. Unfortunately, the dispute was not resolved in my favor most likely because of lack of sufficient evidence. During the last dispute which was resolved against my favor, I received the chargeback dispute letter by the merchant incorrectly showing that I authorized this transaction. On the same letter, under complementary transaction information section, it is listed that I used an Android device with a device number XXXX for this transaction. Please take note of the fact that, this dispute was raised on an Apple Credit Card for which requires an iOS device. I do not own or operate any Android device since the year XXXX and the fact that I use an iOS device can be confirmed through Apple.
I believe the fraudster used an Android device to gain access to my XXXX XXXX account through the password which was compromised through other data breaches. Since XXXX XXXX does not require a two-factor authentication and my credit card details were saved and store on my account by XXXX XXXX , the fraudster was able to successfully process the transaction without my authorization. The fraudster made multiple attempts to use my saved card details but the transaction was rejected every time except this one. XXXX XXXX as a money exchange service failed to notify me about the suspicious transactions.hese transfer details documents, please focus your attention on the delivery method section ; even though my name appears under receivers, the account listed under delivery method varies on each attempted transactions and does not belong to me. Also, I am attaching another transfer details which I have authorized in the past with MTCN tracking number - XXXX XXXX XXXX, please refer to the delivery method section which mentions the bank and account details which really belong to me.
Since XXXX XXXX is a currency transfer/exchange agency and I have been in the business with them since a few years, I request that the merchant provides the bank account details of the receiving account and see if the details match with my name and identity.
I kindly request you to look into this issue and my supporting documents since I am firm that this transaction was not authorized by me which may potentially affect my credit score for none of my fault.
|
| 09/09/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I previously logged a complaint with the Federal Reserve and their response suggested I log a complaint with CFPB. On XX/XX/XXXX I contacted Goldman Sachs to request that my CD account of $ XXXX be closed. After trying for hours to reach them, it became necessary to try the next business day. On XX/XX/XXXX I tried again, without success in reaching an agent directly. I then used their call back system and received a call back several hours later. After the agent verified me, I respectfully asked that my CD account me closed and that the funds be deposited into my Goldman Sachs savings account. The agent informed me there would be a {$600.00} penalty for early closure and that my funds would be transferred that business day. On XX/XX/XXXX, I logged onto my account but found the closure was not processed. I again reached out to Goldman Sachs and was told the request was in process. On XX/XX/XXXX, I logged onto my account and again found that the closure was not processed. I again contacted Goldman Sachs and was assured that my account would be closed but the agent could not confirm when. They simply told me they were 'busy due to interest rate changes '. I was frustrated as the written CD contract was breached by Goldman Sachs yet they still were charging me {$600.00}. The following week, now Monday XX/XX/XXXX I logged onto my Goldman Sachs CD account and found the closure had still not been processed despite confirmation that it would happen. That day, I spent the better part of the morning contacting Goldman Sachs and waiting for a call back. In all it probably took me close to XXXX hours over 6 days to get them to comply. I finally got a call back on XX/XX/XXXX, and was told by an agent that my request was in progress but that they could not confirm when the account would be closed. They cited that they would give me a good faith credit of {$100.00} because of the delays. I explained this was not acceptable and that I needed the money for a home purchase. The agent said they could not confirm when the funds would be available but that it was in process. I asked to speak to a supervisor. I was told that my request was acknowledged but that it would take approximately 48 hours for a supervisor to call me back. I explained to the agent that they were in violation of their banking policies and those of the FDIC. I also let them know of my intentions to log a formal complaint with the FDIC. I contacted the FDIC who in turn referred me to the Federal Reserve. Following my complaint with the Federal Reserve I have been referred here. Ultimately, I did get a call back from Goldman Sachs and they finally closed my account and remitted the monies to my Goldman Sachs savings account on XX/XX/XXXX - nearly a week after my initial request was submitted, acknowledged and verified. I feel they were in gross violation of federal banking policies and guidelines and knowingly prevented me from gaining access to the money on deposit with them.
|
| 07/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I made a purchase at XXXX XXXX XXXX XXXX for {$120.00} and it was a an vanity LED Mirror. I opened the item when I got home and the LED mirror never turned on. The next morning on XX/XX/XXXX, I took my item back to the store and told the cashier that this mirror is defective and it is not turning on. The cashier scanned the item and called the manager. The manager came back and said sorry this item is non returnable it is a final sale. I said, it doesnt say anything on the receipt and more importantly you the item is not turning on at all.
He said, he can not bend the rule even for defective item and I call the warranty toll free number showing on the box. While in the store I called toll free number. They asked me email them all the information about the SKU number, proof of purchase and 25 or so minutes later they said they can not cover it under warranty because it is purchased defective and it has to go back to the store. I had them on speaker phone and manager heard the conversation. Upon hanging up the manager said sorry final sale too bad.
I filled the dispute with my Apple credit card for the full amount. I received the provisional credit within 24 hours. Since then, I have sent proof of purchase via email and their chat system, photo of the item multiple time and every time after 2 months I received the email saying your transaction dispute was not resolved in your favor and reason : The merchant provided sufficient evidence that you made the purchase. The first time I received this email, I call Apple customer service immediately and spoke with a manager they said, the first rep made a mistake representing my dispute and they will change some information this time and resubmit the dispute, gave me temporary credit back. I emailed them my receipt. The second time, same thing happened, I spoke with the manager again and he said, he added additional information/notes and attached my receipt. This time the case will close in my favor in 2 weeks. They have put it on fast track. Nope, it took normal two months and on XX/XX/XXXX I received the same generic email saying the same exact thing. The third time, again spoke with the manager and this time, they said because the photo of the damaged items were missing that what caused this decision, I emailed them the photos and the manager said perfect. I will hear something between a week or two. Again, since XX/XX/XXXX to today on XX/XX/XXXX I received the same old generic email that shows the merchant provided sufficient evidence. I am not fighting for not making a valid purchase. This case is all about receiving a defective item and not been able to return it or exchange it. Even the Apple have confirmed that on XXXX XXXX XXXX website that if their final sale is defective the item is returnable. I dont know who is fighting my dispute and how they are representing me but Apple for sure not doing their job. They are too eager to please the merchant.
|
| 04/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I made a agreement with the salesman at XXXX XXXX that I would purchase a item conditional on my local XXXX dealer handling the sale and getting the commission from that item. less than 12 hours later I learned that the salesman was going to keep the commission and denied having said anything along those lines. He refused to supply the recording and stated it would be a XXXX fee to cancel. The original charge was XXXX. I contacted Goldman Sachs via phone on the XXXX less than 12 hours from the original charge and contested the entire amount based on failure to fulfill the oral agreement.
Godman Sachs started a contested charge freezing the funds and charges at that time.
They than posted a refund of XXXX on XX/XX/XXXX and I again contacted them and contested the remaining amount. I believed the XXXX in total was resolved in XXXX when I completely paid of all balances and had a balance of XXXX.
Late XXXX and early XX/XX/XXXX I used the card for a additional XXXX in charges and than on XX/XX/XXXX Goldman Sachs recharged my card under the title provisional adjustment reversal and recharged my card XXXX and a XXXX claiming that they had to clear their books!
XXXX XXXX I spoke with them 3 times and multiple individuals and 3 supervisors agreed that the charges were confusing. I asked for a complete audit of the account to rectify the problem and was notified that they would not do any audit even though they had admitted discrepancies.
I I immediately payed of all charges that had been accrued over the last 30 days leaving the reversed charges from XX/XX/XXXX totaling XXXX unpaid. Told them I would be reporting them and to freeze the account and allow no further charges They all admit when reviewing my account that the charges were a reversal of the chargeback showing as a specific negative but after they would call the higher supervisor would simply hang up on me or leave me on hold for up to a hour on 3 separate phone conversations.
The original charge was disputed with 12 hours after the seller broke the contract. I never received any extra credit during the reviews by Goldman Sachs the credit was simply frozen. I will never receive any product or monetary gain from the cancelled purchase They claim I now owe them the XXXX for the original charge and have obscured the charge into the definition of credit reversal. I never received any credit or monetary funds beyond the frozen charge. yet they continually play smoke and mirrors that a tentative credit on a charge that I can't use and accrues no interest and than charge it back.
They are committing fraud and refuse to even audit the situation because they know that it is fraud and theft, and usury. They have failed in the Good Faith aspect to protect me and actually have redone their numbers and say they gave me money to be used when the charge was contested. Which is not true and a audit would show it, yet they refuse.
Help XXXX XXXX
|
| 05/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
On XX/XX/XXXX I made a purchase for {$740.00}. This was my first time using this credit card. I was unaware about the closing statement date or billing due date. I was also unaware that their system automatically enrolled me in paperless statements once I created an online account, therefore I never received a paper statement in XXXX to make the payment. On XX/XX/XXXX at XXXX XXXX PST, I called asking for the statement. The agent by name of XXXX, confirmed my address and said they will be sending me the paper statements. She also said that a minimum payment was due and that I had incurred in a late fee of {$29.00}. I requested to speak to a supervisor regarding the fee because I was unaware of the bill due date due to a lack of paper statement. I spoke to XXXX XXXX at XXXX XXXX PST who informed me that he did not have the power to do a first-time courtesy reimbursement of the fee. I was transferred to XXXX at XXXX XXXX PST. He mentioned he was in the same situation. I kept requesting to speak to a supervisor and all of the agents informed me that there wasn't a supervisor available but that they could request for one to call me back. No one called me and I did not receive any notices in the mail. On XX/XX/XXXX at XXXX XXXX PST, I contacted customer service again. I spoke to an agent by the name of XXXX. She again informed that a supervisor was not available and hung up the phone on me. I called back and at XXXX XXXX PST, I was transferred to an agent by the name of XXXX. She said that she didn't have the power to make any changes to my account and said she would request for a supervisor to call me back. I kept calling back multiple times and no one until today has called me back.
I kept calling back on XX/XX/XXXX and XX/XX/XXXX, asking to speak to a supervisor. I was never transferred to a supervisor. The agents would always say there were no supervisors available.
Finally on XX/XX/XXXX at XXXX XXXX PST, I was able to speak to XXXX an account supervisor, who said needed me to transfer me to a different department because my account was already in collections and was reported to the Credit Bureau. At XXXX XXXX PST, I spoke to XXXX who said a supervisor would call me back ASAP. A lady by the name of XXXX XXXX called me and said she would submit a dispute regarding the Credit Bureau report and the revision of fees and that a supervisor would contact me withing 7-10 days with an answer. I requested written communication to be made as well for my records.
It is now XX/XX/XXXX and I have not received a call back from any supervisor nor have I received any notices from the company. Yet, they keep charging me late fees and interests from the initial late fee and interest I was disputing. I believe this beyond advantageous, a complete theft, fraud and a gimmick to steal from customers.
I request a review of my case and the necessary steps to lessen the charges and delete their report from the credit bureaus.
|
| 10/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I had filed several disputes with my Apple Card for purchases that I never received. I had contacted Apple Card support and spoke with the disputes department for each of these disputes listed below to file disputes that I never received the purchases. Apple support even ask me for expected dates of delivery for my purchases when I filed the disputes for merchandise never received. I explained that no delivery information or tracking information was ever provided and I believed the merchants to be fake. After I submitted the complaints, some time later I received notifications from Apple Card support that my claims were denied and the reason for the denial was because the transactions were authorized by me. The provisional credits were then reversed and the charge was reapplied to my account. This did not make sense, because my disputes had nothing to do with the transactions being unauthorized, we already knew the transactions were authorized by me, but my disputes were for purchases never received. I contacted the Apple Card Support disputes department and spoke to a dispute specialist and explained to him that the reason for denying my claim does not make any sense and the rep understood my explanation and proceeded to resubmit all of the dispute claims that were denied incorrectly for the reason of the transaction was authorized by me. Provisional credits were applied to my account again, but some time later I received the same notification again from Apple Card support informing me that my claims were denied because the transactions were authorized by me. So contacted Apple Card support disputes department once more to explain that my claims have been denied once again in error, and the rep once again understood and proceeded to reopen the disputes again and crediting my account for the disputes. After submitting these disputes to Apple Card support for a total 3 different times, Apple Card support continued to make the same mistake denying my claims until the timeframe for me to file a dispute expired. Now Apple Card is expecting me to pay the balance for these transactions that I never received due to their negligence in their handling of my disputes. They made the same mistake 3 times and I refuse to be responsible for their own negligence in handling my dispute claims when I had made it clear to them the nature of my dispute. I expect Apple Card to take responsibility for their mistakes and correct the balance on my account.
XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1000.00} XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$530.00} XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1500.00} XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1500.00}
|
| 02/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
Our records that we found indicate that we purchased our home in XXXX for {$320000.00} and our servicer was XXXX. Then records indicate that we refinanced our home on XXXX XXXX XXXX for {$460000.00} with XXXX. Records indicate that in XXXX, XXXX went chapter XXXX bankruptcy in XXXX Delaware. The trustee for XXXX sent us an email stating that they sold our note and Deed of Trust to XXXX XXXX in XXXX. Documentation reflects that we contacted XXXX XXXX XXXX multiple times which was at that time a servicing company that was owned by Goldman Sachs. We requested in writing ( certified mail ) from XXXX XXXX XXXX, to provide us assignments of all the investors that owned our note and Deed of Trust since XXXX. XXXX XXXX XXXX failed to provide the documentation that we requested. Then we contacted XXXX, our trustee by email. We requested to know who was the current investor of our note since the trustee collects the payments from the servicer and maintains investors/security holder records. XXXX stated in the email that the investor was XXXX funding. I found out that XXXX funding and it 's affiliates also went chapter XXXX in XXXX Delaware in XXXX. Goldman Sachs then sold XXXX XXXX XXXX to XXXX XXXX XXXX. We requested in writing ( certified mail ) assignments of all investors since XXXX. XXXX stated that XXXX loan trust XXXX owns our note and deed of trust. This is incorrect because this note and deed of trust is ONLY placed within this trust and are NOT the investors. This reflects on the original note and deed of trust that the servicer must go by! NOW ; even though we had a modification, the modification does NOT in anyway reflect who the current investor is and if the investor obtained this note legally! The current investor must prove legal ownership of this note and deed of trust by providing a copy of all assignments going all the way back to XXXX! Then we sent Goldman Sachs a letter by certified mail requesting to know who is our investor and provide assignments going all the way back to XXXX. As of today, we have not received the assignments ( proof of ownership ) that we requested from Goldman Sachs. The assignments that we are requesting would reflect who our current investor is, who owned this note prior, dates when purchase, dates when sold, going all the way back to XXXX. I believe that XXXX, Goldman Sachs, XXXX XXXX servicing and XXXX XXXX XXXX do not have these assignment records of who owns or owned this note! We believe fraud has occurred! We are still requesting all assignments going all the way back to XXXX. Now ; as I stated before, the trustee for XXXX sold this note and deed of trust to Goldman Sachs in XXXX. If Goldman Sachs did sell this note during the financial crises, then Goldman Sachs may have misled the new mortgage bond investor during the financial crises. Goldman Sachs must be required to provide the documentation ( assignments ) that we are seeking going all the way back to XXXX.
|
| 08/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
In XX/XX/XXXX I applied for Apple Card/Goldman Sachs Card . I made a few purchases with my Apple Card during these years, some where with 0 % APR and some where not.
In XX/XX/XXXX I received this email, but did not see it until XXXX XX/XX/XXXX.
Important message regarding Apple Card Monthly Installments.
We understand that some customers expected to receive 0 % APR financing automatically when purchasing Apple products with their Apple Card. 0 % APR financing is available with Apple Card on eligible Apple products when customers choose to check out with Apple Card Monthly Installments while shopping on XXXX, the XXXX XXXX XXXX, or at the XXXX XXXX.1 If you expected to receive 0 % APR financing with Apple Card Monthly Installments when purchasing an Apple product from either Apple or an Apple Authorized Reseller,2 but you did not, we can help.
If you contact us by XX/XX/XXXX, well be able to convert your eligible purchase ( s ) to an Apple Card Monthly Installment. To expedite your request, please be prepared to identify the transaction ( s ) for which you expected to get 0 % APR and have your receipt ready to provide to a specialist. Please chat with an Apple Card Specialist for assistance.
In XX/XX/XXXX I contacted Goldman Sachs regarding this email because I wanted to have this message to be explained to me.
In the attachments you will see the whole conversation I had with the representative.
I would like to have my conversation with Goldman Sachs to be reviewed. I strongly believe that the representative did NOT explain to me my OPTIONS regarding the email and what it meant. I was around {$200.00} short of paying off my entire debt with Goldman Sachs after all these years. The representative was not CLEAR in informing me that converting these amounts will reverse my payments and they will hold my money for another 12 months and 24 months about which I learnt later in another message chat with another representative on XX/XX/XXXX.
Moreover she informed me that ALL THE INTEREST WAS CREDITED BACK OF - {$1400.00}. I understood that this money is the money that I overpaid and will be credited back to me to my card/my bank account.
( Please, see all the conversation in the attachment ).
In XX/XX/XXXX I called Goldman Sachs regarding the money being transferred and they assured me that the money will be on my card.
In XX/XX/XXXX I contacted Goldman Sachs via messaging chat telling them that I still not have received the CREDIT back. The representative told me that I have installments open and they can not send the credit back. ( These installments are the ones that the 1st representative CONVERTED herself )!!! When I asked for a supervisor to look into situation she informed that UNFORTUNATELY, AT THIS TIME YOUR CREDIT WILL REMAIN ON THE ACCOUNT AND WILL BE USED TO PAY THE MINIMUM. She apologized if any MISINFORMATION WAS PROVIDED.
( Please, see the whole conversation in attachment. )
|
| 06/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
Lets begin with me requesting Goldman Sachs to take the 5 disputes remaining from my closed account to arbitration months ago with Mastercard. 1 ) According to the FTC it is illegal to close a customers account if there is still open disputes, but they did. 2 ) After 2 re-disputes of a transaction it should go to Mastercard Arbitration per Mastercard policy. Well some of these disputes have been re-disputed 4 or 5 times. 3 ) This mess has been going on since XX/XX/XXXX which all the disputes were disputed in XXXX of XXXX. There were 8 disputed on XX/XX/XXXX, XXXX disputed on XX/XX/XXXX and on XX/XX/XXXX there were 44 transactions disputed. That is a total of 75 disputes and that is all I have disputed. So where they are getting all their numbers is beyond me. I have receipts for them all and have had 75 ruled in my favor and have proof of that, so dont know where these 5 disputes remaining came from, because I have not disputed any since XX/XX/XXXX, 4 ) As far as I am concerned this ACCOUNT IS TOTALLY CLOSED. 5 ) Are they adding disputes to get more money from me? They still owe me for the 13 disputes for {$1000.00} that they never credited my account. 6 ) On XX/XX/XXXX I received a phone call from Goldman Sachs regarding needing evidence for the remaining disputes. I told them they had to send me an email so I could send the evidence but after waiting all day I never received it, so I notified them per chat and was able to send the evidence through chat. The next morning I received an email from them ruling the disputes not in my favor so I re-disputed them. There is no way they had time to investigate the evidence, They were harassing me. 6 ) Today XX/XX/XXXX I received an email from them requesting more evidence for the re-disputed transactions and I resent all he evidence which is the same as I sent for the last 75 that have been ruled in my favor. I dont know why I have to keep sending the same evidence if they already have it. 7 ) This is total fraud and they have stated the merchant had contact with me and I authorized these transactions and that is a complete lie, I did not authorize any of the disputes that I have disputed. I have the merchants evidence and Goldman Sachs authorized all the disputed transactions by a name and address. There is no evidence of a charge card number, CVV number, password, or PIN number. I dont use Face ID or fingerprint ID and the IP address belongs to someone in XXXX XXXX over 400 miles away from where I live, I have proof of that. So it was not my device that was making the transactions so you need to do more investigating which you seem not know how to do. I had to investigate myself from the merchants evidence. That IP address on their evidence is NOT mine so it could not have been me making the purchases. 8 ) Your not getting another dime from me, you have stole all your going to get. You still owe me over 10 grand. 9 ) You are corrupt and cant be trusted!
|
| 06/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
In XX/XX/XXXX, I applied and was approved for an Apple Card with {$500.00} limit. In XX/XX/XXXX, I received an increase to {$900.00}. In XX/XX/XXXX, to {$1300.00}.
I worked as a XXXX XXXX XXXX since XXXX. My dream was always to have my own center. During the pandemic my husband and I purchased the XXXX XXXX of our dreams using owner finance. Unbeknownst to us, the previous owner was behind substantially with rent and more. All the financial ledgers and documents we received were forgery. To which she adamantly denied. We were in a legally binding contract. We would have to still pay her and lose XXXX XXXX. The alternative was to keep XXXX XXXX, to pay those bills. We had already put a substantial amount down and in payments. Paying her past due bills and our own business bills put a major strain onto us in the business and personally. We were forced to the heartbreakingly close Friday XX/XX/XXXX.
During that time, the Apple Card payment was late. With the loss of XXXX XXXX and our life savings also meant a loss of income. I was unemployed and actively seeking employment. At times, like many Americans I used my credit card. XX/XX/XXXX, I had a job. I called my creditors to make payment plans.
Apple Card was owed {$1300.00} of a {$1300.00}. I called and spoke to XXXX on XX/XX/XXXX. I was offered a payment plan to get my account back on track. The offer was to pay XXXX XXXX monthly starting XX/XX/XXXX for XXXX months with 0 % interest. I could always pay more but never less. After XXXX months Apple Card would report the payments to the credit bureaus. If the balance was paid down to zero within XXXX months. I would retain the card and receive my account privileges. The card term would start over, 0 % APR for XXXX months. I asked if I could pay a lump sum to which they replied yes. I paid {$22.00} in XXXX and XXXX. XXXX was {$100.00}. XXXX was {$170.00}. XXXX was {$100.00}. XX/XX/XXXX {$890.00}. My account balance showed XXXX balance.
XX/XX/XXXX I texted apple regarding my account restoration. An apple Goldman Sams specialist, XXXX said I had a {$40.00} balance. It didnt reflect on my card statements In app. They couldnt explain why I could not see it.
It came from payment due on an XXXX XXXX I financed using the Apple Card. I paid apple immediately. XXXX told me my account would be restored after I made The payment.
The very next day, XX/XX/XXXX, I texted in. XXXX from Apple Goldman Sachs my account was closed and o would need to reapply. I informed him that isnt was not what I was told. I sent them screenshots of previous conversations they told me I could reapply.
They have received all their money. They report to the credit bureaus every month since my account was positive but have not reinstated account as promised. They never closed the account.
After searching the web, this scenario is a commonality with the Apple Card and its not right.
What they did was wrong and deceptive.
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| 08/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Here is a copy of the certified letter I sent to XXXX XXXX Apple Card : XX/XX/2020 Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Case # XXXX I am writing in regards to the above case number. On XX/XX/2020 I had my identity stolen by way of my mobile phone number, ( XXXX ) XXXX, being ported out by a scammer. They moved my number to a burner phone and were able to access my XXXX ID which gave them access to numerous passwords and the ability to use XXXX XXXX as if it were theirs. They went on a spending spree in XXXX XXXX XXXX using Apple Pay and my Goldman Sachs XXXX XXXX. I immediately contacted your company to report the fraud. I made a report to the XXXX Police Department on XX/XX/XXXX, case # XXXX. During the month of XXXX there were approximately 143 transactions which included your company reversing the charges on a majority of the fraudulent charges. A balance of approximately {$1400.00} remained on the account and over the course of the past 6 months I have been in contact with your company via phone or text through the app. Every month I have been told that the charges were still being investigated. Every conversation is supposedly recorded so please feel free to go back and check. I recently received a letter in the mail stating again that I was late and was being reported to the credit bureaus. Yesterday I spoke with XXXX in the fraud department. She stated that my case had been closed in XXXX and found in favor of the merchant! I checked XXXX and you reported me as being late for 3 months and dropped my credit score by 60 points. This is completely unacceptable. Per Federal Regulation Z you are required to prove that the transactions were not fraudulent You have not done this. In fact you cleared up every other fraudulent transaction except this last one to the XXXX store. Also per Regulation Z you can not report this as delinquent while this transaction is in dispute AND it is still in dispute as I never made or authorized any of these charges, including this one for {$1300.00} on XX/XX/2020 Ref # XXXX. AGAIN, you have never proven this transaction was authorized by me. I find it interesting that you agreed all the other charges were fraudulent and credited me for those fraudulent transactions processed during this time accept for this one transaction, XXXX, that is associated with your XXXX credit card!
Per my federal rights I am demanding that you immediately credit my account for this fraudulent transaction ( or transactions if there were more than one ) and clear my name and credit report with the credit bureaus. I find it disheartening that a financial institution such as yourselves are resorting to shady business practices in an effort to defraud your cardholders and save a buck. I am beyond frustrated in dealing with you, with this dispute, since XXXX. If this is not resolved immediately I will be filing a report with the Consumer Finance Protection Bureau.
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| 07/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I believe I was too brief in my initial complaint so you tried to dismiss what I had to say. But for your connivence, I attached photos of XXXX 's order process which are time and date stamped so you can not miss it. The screenshots were taken on my XXXX XXXX purchased from Apple on XX/XX/2020. As you can see, I am an avid Apple consumer so I thought the Apple Card would grant me the same level of support that I have come to love from Apple but I can clearly see that this card offers subpar support and my XXXX XXXX XXXX XXXX XXXXXXXX Credit Card is much better. It also appears that your disputes team doesn't do their due diligence when it comes to investigating claims. On XX/XX/2020, I made a purchase with XXXX XXXX in the amount of {$640.00} for a pair of sneakers. The sneakers were shipped out via XXXX with no signature requirement. I didn't receive my item so I promptly reached out to XXXX who told me that I was out of luck and that they could not help me. Then I reached out to Goldman Sachs who then initiated a dispute on my behalf that I did not receive the order. Fast forward to XX/XX/XXXX I receive an email saying that I made the purchase which completely flabbergasted me as I made the purchase but complained that I didn't receive it. No signature was requested as well. It is completely disappointing that the Apple Card will not protect their customers. Going through XXXX 's website, it is not clear that a signature can be added for delivery and the onus should not be on the customer to add that if it wasn't made expressly visible that the option was available. Attached are screenshots showing the payment window on XXXX, and nowhere on the screenshots can I see any area where I can request signature delivery. If you would even take a moment to go through XXXX 's payment process you would see the same thing. It was not very clear to me as the customer spending his hard earned money on a pair of sneakers that I could have gotten signature confirmation. I would like this dispute to be taken to the highest level and I would like a supervisor to look over it as I feel like I did not receive a fair resolution to my issue. XXXX does not make the signature option clear on their site. I have gone ahead and attached screenshots of the whole order process for your connvience since the staff at Goldman Sachs can't be bothered to look over the order process on XXXX 's website and blindly made their decision. As shown in my screenshots very clearly, there is no sign of a signature requirement which is a bold faced lie by XXXX. They don't make the option visible on the site. It may be something that can be requested but if it is not made clear to the customer then they will automatically assume that an item worth over {$600.00} would require a signature. It was relatively stupid on XXXX 's behalf to try and push this problem to the customer when they in fact should have made the option available.
|
| 07/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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On XX/XX/XXXX, I was denied for the 3rd time by Apple Card by Goldman Sachs, each time for " already having applied. '' However, I'd never applied before so this seemed odd and I finally decided to call to see why I was receiving this message.
Upon speaking to the Apple Card Goldman Sachs rep, he couldn't find my name, number, or any personal info on file and didn't understand the denial either. Finally, he decided to check just my SSN by itself in the search and found my SSN attached to a current customer named " XXXX XXXX. '' They gave some info on the person but couldn't give me much but they did say he was born in XXXX and located in NJ ( where I'm from ). They said they couldn't really do anything about it, besides make a note/report this on their end, which they did so they should have history of this. I requested they close the account as fraud but they said they couldn't because they weren't sure if this was a case of a duplicate SSN being given or if this was actually fraud and encouraged me to contact SSN to see if this is a duplicate # ( which they claimed happens ) OR if this was actually fraud.
I spoke with SS admin yesterday, they searched my SSN and confirmed that this is NOT a duplicate # and that despite what the goldman sachs banker said, duplicate # s are NOT common. He confirmed the only name attached to that # in SS 's system is my name, XXXX XXXX and no one else should have access to it. The SS rep said that this is either a typo from when XXXX XXXX applied OR fraud and to fill out an identity theft report. I filled out an identity theft report on XX/XX/XXXX when I first was informed of all this, just in case. So my report has been in for two months. I called FTC to follow up this past Tuesday, XX/XX/XXXX and ask the status on my report because I can't apply for an apple card until this is resolved.
They directed me to the consumer trade commission since it is relating to a credit account opened using my SSN. I need you guys to reach out to Apple Card Goldman Sachs or XXXX XXXX born XXXX located in NJ directly, for them to clarify his actual correct SSN, so he can confirm whether he entered my SSN as a typo OR if he continues to lie and say my SSN is his then we know he's engaging in fraud.
Both SS admin and Goldman Sachs can confirm all of the statements above ( SS can confirm only I have this #, no one else AND Sachs can confirm that XXXX XXXX is using my # on his account, despite it not being his own ).
This is the only way, Apple Card Goldmans Sachs will close or have him update his account so that I'm finally eligible to apply. On their end, they see it as either a duplicate or fraud so & they can't speak to SS directly to clarify it's not a duplicate ( like I did ), & it seems you guys at the CFPB seem to be the body created to act as in between the bank and SS to confirm identity theft doesn't continue, so please help or let me know who can help.
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| 09/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
Older American |
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Hi! My name is XXXX XXXX. I am XXXX XXXX XXXX and retired. I am living off from Social Security Income and Interests Income from CDs accounts of online banks. This is what is happening now with Marcus by Goldman Sachs Bank.
XX/XX/XXXXXXXX : I opened an online savings account with Goldman Sachs. It is under my name XXXX XXXX XXXX and XXXX XXXX XXXXXXXX as a joined account.
A lot of transactions between XX/XX/XXXXXXXX : I opened online CD {$110000.00} 3.0 % Interest rate with 5 Yrs Term.
A lot of transactions between XX/XX/XXXXXXXX : I found XXXX XXXX pays 4.50 % Interest rate with XXXX Yrs Term.
XX/XX/XXXX : I decided to move all money to XXXX XXXX from Goldman Sachs.
XX/XX/XXXX : I withdraw CD {$110000.00} by paying early withdraw penalty {$1600.00} to Goldman Sachs and I deposited to my savings account.
XX/XX/XXXX : Saving Balance is {$130000.00} as of XX/XX/XXXXXXXX with Goldman Sachs.
XX/XX/XXXX : I opened a Savings account with XXXX XXXX. I requested link between XXXX saving and Goldman Sachs savings.
XX/XX/XXXX : The link between XXXX and Goldman Sachs is completed.
XX/XX/XXXX : Requesting from XXXX, I transferred {$900.00} and {$130000.00} to XXXX Savings from Goldman Sachs.
XX/XX/XXXX : XXXX XXXX showed {$130000.00} balance and Goldman Sachs Savings showed XXXX Cents.
XX/XX/XXXX : Nightmare has began.
XX/XX/XXXX : I tried log in Goldman Sachs online bank but I couldnt. They banned me to log in. I called Goldman Sachs service center for help. They changed it back so I could log in.
XX/XX/XXXX I found Goldman Sachs withdraw my transfer ( ACH ). I called manager. I asked her why the transfer ( ACH ) are withdraw. She told me I cant transfer money like that. I asked her why not. She told me she wanted to speak my wife. I told her my wife is not here now.
XX/XX/XXXX I learned my savings account is freeze. I can view my savings account but I can not transfer money from my savings account. I called manager again. She said to me that I can not transfer money until she can speak to my wife. I told her this join account either person can withdraw or transfer money from it. She acknowledged that but she doesnt want my money to be transferred until she talk to my wife. I told her my wife doesnt speak English and I am the primary user. She insisted she wanted to talk her.
Now my money is Goldman Sachs Savings and I can not do anything. My wife is in XXXX, XXXX XXXX. I dont know what to do. Now I am worrying my money. One third of my savings are jeopardized to lose it. I am beginning to understand the risk of using internet banking.
I want all my money to be transferred to XXXX checking account if it can be solved. I dont want any money in Goldman Sachs bank . Goldman Sachs bank is very dangerous bank. They manipulate computer and they bring in any amount of money from other banks but they dont want to send any money to other banks.
I thank you XXXX XXXX XXXX XXXX
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| 08/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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|
Web |
Older American |
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For many smooth years, I paid {$300.00} on the XXXX of every month to XXXX for my XXXX credit card using autopay from my credit union account. Then the process fell apart when Marcus Goldman Sachs recently bought the XXXX XXXX credit card XXXX. I carry a balance on my XXXX credit card which transferred from XXXX to Marcus in XXXX, XXXX
Since Marcus took over, it has been a continuous nightmare because Marcus takes autopay deductions but fails to credit my account, e.g., Marcus took {$300.00} on XXXX, another {$300.00} again on XXXX, {$300.00} on XXXX, {$40.00} on XXXX and {$20.00} on XXXX. The lesser amounts are a complete mystery.
Oddly, I did receive a {$300.00} refund on XXXX so someone at Marcus must have recognized the double autopay in XXXX was wrong but nothing else was corrected.
Since XXXX I have called Marcus customer service but not received help. Eventually, Marcus filed a dispute to do an internal investigation which resulted in an email notifying me they were unable to locate my XXXX payments. No follow up, no offer of help.
I restated my case at least 12 times on at least five different days to Marcus customer service reps and supervisors. My credit unions customer service rep has joined two separate hour long phone calls with me to Marcus but to no avail. One Marcus rep who couldnt take an electronic upload suggested I send my proof=checking statements via regular mail to To Whom It May Concern at their XXXX branch XXXX I even did this but no response.
On XX/XX/2022 I filed a complaint against Marcus with the XXXX XXXX XXXX XXXX XXXX ). This was the only way I got a response from Marcus. Mediated by XXXX, I got a partial refund from Marcus equal to interest and late fees all erroneously charged because Marcus failed to credit my payments. Marcus still owes me the {$660.00} principal which they autodebited from my checking account but did not credit to me on XXXX, XXXX, XXXX and XXXX as detailed above. To protect myself, I had to close my checking account to get the Marcus autodebits to stop!!!!!.
The last communication from Marcus in XXXX through XXXX instructed me to file a dispute with Marcus through my credit union for the {$660.00} which I did. At that point, XXXX emailed me : " While we regret we were unable to reach your desired resolution, the business has provided XXXX with its position. '' Then XXXX closed the complaint! I am grateful for the XXXX but looking for Consumer Financial Protection Bureau to finish what the XXXX could not.
In XXXX I got voicemails from a Marcus manager who was " looking into it '' but no number to return the call! I still do not have the refund of {$660.00} or any way to know it is in process. Seriously? Marcus has no alternate expedited way to rectify their mistakes which date back to March but to use ( from my point of view ) an untraceable dispute process which leaves me waiting in the dark in XXXX?
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| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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I am writing to file a complaint regarding the XXXX late payment report on my credit report by Goldman Sachs XXXX which I believe was done illegally. I strongly believe that the report is false and caused by issues on Goldman Sachss end. I request that the late payment report be removed from my credit report immediately.
There are multiple reasons to support my claim. Firstly, I was locked out of my account by Goldman Sachs when I created a new Apple ID/Email address, and they couldnt provide me with a way to access my account online or update my email/Apple ID address on the account. This caused me to miss seeing unauthorized charges made to my account and the ability to update my bank information to pay the account in full and close it.
Secondly, I paid off the card in full on XX/XX/2022 ( before my Apple ID was changed ), assuming that the card would be at {$0.00}. I canceled all my subscriptions and updated all my payments to other credit cards. However, I kept being charged for subscriptions I did not recognize or that were canceled, XXXX {$24.00}, and Apple.com/bill for {$9.00}, charging me without authorization a total amount of {$34.00} for 7 months ( XXXX ). Since I couldnt access my account, I wasnt aware of these charges, which led to a late payment.
Thirdly, I reached out to Goldman Sachs via Apple Chat and phone calls on XX/XX/XXXX, XXXX, and XX/XX/XXXX, explaining that I wanted to access my account. I explained to them that I had switched to a new Apple ID account, but they told me that they couldn't help me update the account. Eventually, I was able to recover my old account through Apple and gain access to the Apple Card portal, but by then, it was too late. I scheduled payment on XX/XX/XXXX via the online portal, and although I told the representative my situation ( on XX/XX/XXXX prior to the 30-day late report ), and since he couldnt help me access the account, I told him that I would try to recover access through Apple and just to note it and not report me because of that circumstance. One day later, payment was scheduled, but they still reported me late.
I strongly believe that Goldman Sachss negligence in creating a proper portal and system for users has caused me great damage to my financial reports. They have not covered the scenario where users of their credit card may change Apple IDs in the future, and they should offer access or the option to update the email/Apple ID. As a result, I seek the removal of the 30-day late payment report from my credit report.
I do not seek any fee reimbursement, only the removal of the late payment report from my credit report. I believe that this late payment report was made illegally and without proper justification. I would appreciate a prompt resolution to this issue. Please contact me if you require any further information or documentation.
Thank you for your time and consideration.
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| 10/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' GOLDMAN SACHS BANK USA is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' GOLDMAN SACHS BANK USA the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, GOLDMAN SACHS BANK USA whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
|
| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
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We have always had a GM rewards card, but recently it was changed to Marcus as the administrator. At that time we weren't really using the card very frequently due to not needing the rewards as much. We had received a bill for a small amount, {$8.00}. Not sure what it was but found out it was some sort of recurring charge from XXXX so I contacted XXXX and stopped that and then paid the card balance of what I thought was XXXX. There must have been an additional XXXX of interest from the last statement that I was not aware of. When I made that payment, I was under the impression I was paying the balance in full and we did not have any plans on using the card anymore. No more paper statements or emails from them until XX/XX/XXXX, which at that time says I have a balance of {$36.00}. These are all charges from that XXXX. I called in XXXX and they told me they would look into waiving these. Never heard back and continued to get emails and notice that my account had been closed so called back to check on status. Did not seem that anything had been done from the previous call. XXXX explained that I had switched to e-statements which I checked old emails and spam and couldn't not find any emails. She started another dispute and received this email from them.
Hi XXXX, We've received your feedback about the GM Card.
Goldman Sachs Bank USA investigated your statement dispute. You contacted us on XX/XX/2022 because you had not received the XXXX to XXXX statements for your G.M Card. As per our records, you provided E-sign consent on XX/XX/2022 and as per the terms and conditions of this consent, all legally required documents including statements are delivered to you electronically and available at https : //www.marcus.com/us/en/documents. On XX/XX/2022, XX/XX/2022 XXXX, XXXX email were sent to you stating that the XXXX to XXXX statements respectively were available. At this time, we are not able to waive any interest and late fee charges. At the time of this statement your delivery preference was electronic, you can change your preference anytime at Marcus.com in your account profile. You can view your monthly balance, minimum payment due, and payment due date on your most recent statement and available on Marcus.com.
We appreciate you reaching out about the GM Card.
If you have further questions, please contact a GM Card Specialist at XXXX.
I just paid the balance because I do not want this to impact my credit for XXXX cents, which I think it XXXX have already though. Had I received a statement showing the balance the next month, I'm sure I would've called and they would have taken care of it. I also have never chosen to have electronic statements for any statements I have so if this was opted in, I think it was probably because the website directed you to choose that and was slightly misleading because I would not willingly choose for e-statements.
|
| 08/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
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My Marcus Goldman Sachs GM card was formerly a GM XXXX XXXX card. In my online bill pay, it still contained the nickname " GM XXXX XXXX. '' My mistake - On XX/XX/XXXX through my Credit Union online bill pay, I inadvertently scheduled an online bill pay for XX/XX/XXXX payment of {$7800.00} to Marcus instead of XXXX XXXX ( it processed on XX/XX/XXXX ). I did not realize it until XXXX XXXX notified me that I missed my payment. I immediately contacted Marcus at the number provided on the card. This was on XX/XX/XXXX at XXXXXXXX XXXX ( CT ). I spoke with XXXX. He informed me that he could see the credit balance on my account. I inquired as to how I could get my money back. He informed me that he would process the balance refund request. He stated that since the payment was made by paper check, I had to receive the refund by paper check ( I could not receive it electronically ). I found this odd as my credit union has an " established relationship '' with Marcus, but I accepted it. XXXX stated that he typed in the urgency of my request as I needed the money back to make payments to XXXX XXXX as we always pay our bills in full. He stated it would take 10-12 business days to receive the refund.
On the XXXX business day, XX/XX/XXXX, I had not received the refunded money. I contacted Marcus GM Card by Goldman Sachs again. I spoke with XXXX - I somehow ended up in the financial institution help line. He first insisted he had to offer me a sales pitch. After giving him all of my information, he said he couldn't help me, but would connect me with someone else. I hung up and called again to get to the credit card division. I spoke with XXXX. He said I could link my bank account with Marcus and then the refund would be faster than paper, but it would still take an additional XXXX to XXXX business days. I asked to speak to his supervisor. I then spoke with XXXX. I explained that the first mistake was mine, but this was now Marcus 's mistake because allegedly XXXX did not process it correctly. I explained that I needed this money to make payment to XXXX XXXX. He said there was nothing he could do except process a digital request that would still take 8-10 business days. It is now XX/XX/XXXX ; they now have been holding my money for 30 days. The first mistake was mine, but I did what was needed to correct it. I told them that it was unacceptable that it would take 8-10 additional business days to process the request again. He told me that there was nothing else that could be done. I explained that I had no guarantee that he would process the request as XXXX assured me it was processed and it wasn't.
I informed XXXX that I would be filing a complaint with CFPB for documentation and that as soon as the money was returned, I would be closing this card. I have spent approximately three hours of my time trying to resolve this issue.
Name on Card : XXXX XXXX
|
| 10/11/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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XX/XX/2022 : Requested a domesitc {$620.00} wire transfer from XXXX by Goldman Sachs to linked account.
Domestic wire did not occur.
Got voice mail and email from XXXX XXXX from XXXX XXXX Goldman Sachs XXXX " Hello, this is XXXX calling from XXXX XXXX Goldman Sachs XXXX XXXX XXXX to reach XXXX XXXX XXXX We can please call us back at XXXX. We are open XXXX any representative that answers the phone will be able to assist you just advisor of returning an out call. '' However, called on Friday, XX/XX/XXXX, representative could not find office/department for me to resolve the issue, issue was unknown.
Called back on Mon, XX/XX/XXXX, XXXX, XXXX would not provide his name, after XXXX requests. XXXX, XXXX would also not transfer to supervisor, kept trying to find office/department who called me and emailed me.
Finally, I don't believe XXXX XXXX is a supervisor, but updated phone number and XXXX called me to verify my gender and country of residence.
Wasted over XXXX hours of time dealing with this situation because of XXXX by Goldman Sachs incopementence and lack of accountability.
Waste of time to ask me to call back when no one at XXXX by Goldman Sachs ( XXXX ) can help XXXX.
Waste of time to leave me a message, but not provide a reference number or what call is about or conerning.
Waste of time to call and for XXXX rep to know what office or department called me.
Waste of time to talk to XXXX who would not provide his name after being asked directly XXXX times.
Waste of time to request to speak to a supervisor and for XXXX to still try to find the department which he was never able to do. XXXX minutes on phone for incompetence.
I really don't believe XXXX is supervisor at XXXX, and believe she was possibly covering for XXXX because she provided no other evidence of being a supervsior. Lack of transparency and accountability. She only agreed to review call after I asked, not before.
For XXXX, he also said he was a supervisor, but I don't believe him either.
I also believe that XXXX provided a false statement when I said the only options to provide feedback to XXXX was through a supervisor, and a mailed letter, and he didn't even take a moment to listen to my question about any regulatory body for XXXX as a banking institution. Thus, this complaint.
XXXX asked what I wanted to accomplish.
To not have XXXX waste XXXX hours of my time, however, this was not done.
To have my domestic wire completed in a timely manner, it was not done.
To have XXXX provide his name when asked, this was not done.
To have XXXX have transferred me to a supervisor when asked, this was not done.
XXXX by Goldman sachs fails at it's mission : https : //www.marcus.com/us/en/about-us Our mission is to help you make the most of your financial potential at every moment.
To whoever reads this, would this behavior be acceptable to you or anyone you know?
|
| 08/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Dear Goldman Sachs Bank : I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
|
| 06/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
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Marcus ran a promo in XXXX for {$100.00}. I met the conditions and received an email acknowledging. {$100.00} should have been paid out in XX/XX/XXXX. Called two times and Marcus both times agreed I should be paid. 1st call, agent said case would be open. On 2nd call, agent said no case existed. 2 call agent said that Marcus will manually review and pay whenever. They have no ETA which is unfair given the XXXX XXXX XXXX XXXX Online Savings Account {$100.00} Cash Bonus Offer Terms Offer valid from XXXX XXXX XXXX ( the Offer Period ).
To qualify for the {$100.00} Cash Bonus ( the Offer ), you must enroll a Marcus Online Savings Account in this offer at https : //www.marcus.comXXXX or by calling Marcus at XXXX ( XXXX ) by XXXXXXXX XXXX ET on XXXX Upon successful enrollment you will receive a confirmation of your enrollment via email or U.S. mail.
After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Marcus Online Savings Account within 10 calendar days of enrollment ( the Funding Period ). The account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ), must be maintained in your Marcus Online Savings Account for 90 consecutive days from the date of reaching the Required Dollar Amount. The account balance is based on the starting current balance reflected on your account at XXXX XXXX. ET the day you enroll. Once the Funding Period has ended, your Marcus Online Savings Account balance may not drop below the Required Dollar Amount at any point until after the 90 consecutive days have passed. You may make multiple deposits within the Funding Period to reach the Required Dollar Amount. Internal transfers do not count for the purposes of this Offer.
If you choose to enroll a different Marcus Online Savings Account, you must deposit {$10000.00} or more in new funds from an external account into the newly enrolled account within 10 calendar days of enrollment, even if you have reached the Required Dollar Amount in a previously enrolled account.
The {$100.00} bonus will be deposited into your Marcus Online Savings Account within 14 calendar days after fulfilling the above requirements. To receive your bonus, your account must be open and in good standing at the time the bonus is deposited in your account. The bonus will be treated as interest for tax reporting purposes.
Offer available to new and existing customers. Each customer is limited to one cash bonus offer. This Offer can only be applied once to an account. If an account has multiple owners, the account is limited to being enrolled for this Offer under one account owner and receiving one cash bonus. Remaining account owners may be eligible to use another eligible account to enroll in this offer. This Offer may be combined with other promotional offers available to Marcus Online Savings Account customers.
|
| 11/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On XXXX XX/XX/2023, I financed a purchase of ( XXXX ) items with XXXX for the following prices : XXXX - 11-inch Ipad Pro Wi-Fi + Cellular 256GB- Space Gray XXXX - Magic Keyboard XXXX - Apple Pencil XXXX - Apple Gift Card XXXX - AppleCare for XXXX XXXX I selected same day delivery via courier services, which stated I would receive my order by XXXX that same day. I received a notification that the order was picked up and was en-route to being delivered. The order did not arrive by the stated time, so I checked the tracking information which showed the gps location of the courier still near the XXXX XXXX, and stayed there for a few hours, to which the order was then marked as undeliverable due to " the address being not being found '', despite the courier never making an attempt.
I contacted XXXX XXXX via their support chat regarding this issue on XXXX XX/XX/2023. The support person verified that the order was marked as undeliverable. I asked how I would be able to pick up my order, which they stated I was required to make a new order, since the previous one would be canceled as it was undeliverable. I then created a new order and purchased it via debit card instead of financing. I picked up that order the next day.
I contacted XXXX XXXX on XXXX XX/XX/2023 to inquire about why the canceled financed portion was still showing on the account and then opened a dispute for all ( 5 ) items mentioned above. I spoke with an XXXX support agent and a XXXX XXXX representative on a three way call to facilitate this dispute. All five charges were temporarily reversed and a temporary credit applied to my account.
On XXXX XX/XX/2023, I checked the status of the order again to retrieve the tracking information. The order was removed from my account history, I had to retrieve the order number from my email records. Using the order number, I saw the tracking information had been deliberately changed to show that the order was delivered. I contacted XXXX XXXX via chat from XXXX to XXXX to request clarification on why this happened. I provided the order number for the original order that was cancelled, and the second one which I picked up. I had extreme difficulty communicating with the support agent despite clearly stating that I wanted the tracking number for the original order, clarification on why the cancelled order now showed as delivered, and the current website for XXXX tracking.
The XXXX website displays a static page stating that Oops something went wrong which has not changed for weeks. I asked the XXXX support agent for the direct website to the tracking website which they did not provide despite multiple requests. They did not provide proof of delivery.
On XXXX XX/XX/2023, all five temporary credits were removed and I was charged again for all ( 5 ) items.
I have the order numbers for each order and will provide them upon request.
|
| 08/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
|
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My wallet was stolen at my gym and inside of it was both my XXXX credit and debit card, my license/SSC and my XXXX XXXX XXXX credit card. I informed my gym that my wallet was missing but, nothing ever turned up. Shortly thereafter I started receiving email notifications of unusual activity but, this was in between XXXX XXXXXXXX being taken over by XXXX XXXX and I feel as though my issue fell through the cracks ; it was very difficult to get through to their customer service due to all the changes they were making and I would respond to emails marking charges as suspicious but, the only response I would get was to call in. The unauthorized charges still persisted, that is until charges were made out of state. Once the out of state charges came XXXX XXXX finally locked my card. There are multiple charges out of state. I started receiving packages, here and there, from places I had not shopped ; I contacted vendors informing them of the fraudulent purchases yet, they refused to work with me and pointed me back towards my financial institution. I have returned the few unauthorized items I received AND I STILL HAVE NOT BEEN REFUNDED. Ive called MULTIPLE times to get the matter straightened out ; Ive spoken with agents who are all telling me different things, some say we need to reassert the disputes to rectify the situation others are saying they can reassert the transactions but, nothing will change. I speak with managers who are rude who conveniently have computer problems and can no longer help me. The reason my address is on these purchases is because my license was in the missing wallet. My SSN has already been used to fraudulently open an unauthorized credit card. I will not be held responsible for the EXCESSIVE and clearly FRAUDULENT charges on this card. I never wanted a credit card with XXXX XXXX and this is why! XXXX XXXX has horrible customer service, they insinuate a charge is mine because of an address. I have documentation of emails with vendors that can not locate these transactions because the personal information I am providing doesnt match the transactions madeso how can they be mine and I be the one held responsible??? I have filed a police report for identity theft, fraud and I had to buy a new license. XXXX XXXX needs to stand behind their customers!! This is negligent ; XXXX XXXX has NEVER treated me this way and situations like this make me regret continuing to do business with XXXX XXXX. This company doesnt have heart or morals. Instead all theyve done is run my name into the ground and mock me by letting someone ( s ) get away with stealing.
I was informed that my SSN has been used to open up fraudulent credit cards. This is a legitimate problem, someone is using my credit cards and address to make unauthorized purchases. I have filed a police report and this matter needs to be rectified with XXXX XXXX.
|
| 07/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/, I opened an Apple-Goldman Sachs savings acct XXXX using the apple wallet. I transferred money from my apple cash.
In the agreement, and even written in big letters on the app, is that the money is available for withdrawal at anytime.
However, when I tried to withdrawal funds on XX/XX/XXXX - back to my apple cash it was repeated declined.
When I called to inquire, I was told that they money was subject to " transfer delays '' and that these " transfer delays '' may last for up to 90 days. When I asked her to define " transfer delays '' she couldn't. I objected, '' and stated that this was in violation of the contract, and also in violation of what is explicitly written on the app.. the XXXX agent told me that they could always return the money immediately to where it was deposited from. When I said, that is what I was trying to do, she blamed the delay on apple, and would not provide further explanations.
In the end, they would not make the funds available as the advertising promised. So I simply initiated a 100 % withdrawal of funds with instruction to wire transfer to my physical bank. Then, several days later, the money was at last deposited into my funds.
I told XXXX that I would be reporting this fraudulent activity on their part. As well I told them that this may include joining a class action suit - as it seems that many persons were complaining online of a similar negative experience of GS not allowing withdrawals, despite the clear adverising of " funds available for withdrawal anytime. '' Then, today XX/XX/XXXX, I received an email informing me of an " Update to our Account Terms '' that now has a clause that says " We reserve the right to require you to notify us in writing seven days before a withdrawal is made from your Account. '' It also now says, " We may restrict your access or use of your Account, or close your Account, at any time and for any reason, without notice or consent '' It also now states, " Claims may be submitted to arbitration on an individual basis ONLY. Claims subject to this arbitration provision may NOT be joined or consolidated in arbitration with any Claim of any other person or be arbitrated on a class basis ... '' As well as, the updated account agreement says, " We may use the funds in your Account to cover any : XXXX '' and " You agree that we may respond to any such legal process in our own discretion without regard to jurisdiction. '' And " Regardless of the terms of any legal process, we have first claim to any funds in your Account '' and " We are not required to accept or execute any Apple Cash Transfer instruction. '' It is crystal clear that they could not abide by the original terms of their advertised services that were in place when the account was opened. So they have now gone back and modified them with absolutely unacceptable terms.
Account closed.
|
| 08/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My wallet was stolen at my gym and inside of it was both my BofA credit and debit card, my license/SSC and my XXXX XXXX XXXX credit card. I informed my gym that my wallet was missing but, nothing ever turned up. Shortly thereafter I started receiving email notifications of unusual activity but, this was in between XXXX XXXX being taken over by XXXX XXXX and I feel as though my issue fell through the cracks ; it was very difficult to get through to their customer service due to all the changes they were making and I would respond to emails marking charges as suspicious but, the only response I would get was to call in. The unauthorized charges still persisted, that is until charges were made out of state. Once the out of state charges came XXXX XXXX finally locked my card. There are multiple charges out of state. I started receiving packages, here and there, from places I had not shopped ; I contacted vendors informing them of the fraudulent purchases yet, they refused to work with me and pointed me back towards my financial institution. I have returned the few unauthorized items I received AND I STILL HAVE NOT BEEN REFUNDED. Ive called MULTIPLE times to get the matter straightened out ; Ive spoken with agents who are all telling me different things, some say we need to reassert the disputes to rectify the situation others are saying they can reassert the transactions but, nothing will change. I speak with managers who are rude who conveniently have computer problems and can no longer help me. The reason my address is on these purchases is because my license was in the missing wallet. My SSN has already been used to fraudulently open an unauthorized credit card. I will not be held responsible for the EXCESSIVE and clearly FRAUDULENT charges on this card. I never wanted a credit card with XXXX XXXX and this is why! XXXX XXXX has horrible customer service, they insinuate a charge is mine because of an address. I have documentation of emails with vendors that can not locate these transactions because the personal information I am providing doesnt match the transactions madeso how can they be mine and I be the one held responsible??? I have filed a police report for identity theft, fraud and I had to buy a new license. XXXX XXXX needs to stand behind their customers!! This is negligent ; XXXX XXXX has NEVER treated me this way and situations like this make me regret continuing to do business with XXXX XXXX. This company doesnt have XXXX or morals. Instead all theyve done is run my name into the ground and mock me by letting someone ( s ) get away with stealing.
I was informed that my SSN has been used to open up fraudulent credit cards. This is a legitimate problem, someone is using my credit cards and address to make unauthorized purchases. I have filed a police report and this matter needs to be rectified with XXXX XXXX.
|
| 05/14/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Hi, I have been generally satisfied with my Marcus by Goldman Sachs savings account. I ran into an issue on the morning of XX/XX/2019when I attempted to transfer funds from my Marcus account to my regular usage account with another bank that I regularly transfer money in and out of via phone call with a Marcus rep. The reason I had to call was because it was a large amount of money that I needed available for buying a house. I called, was treated well, and the transfer was established. I was told it could take 1-3 business days ( call was on Tuesday, Reasonable to arrive in my account by Thurs/Friday ) which would have been in appropriate time for closing on my house. On Thursday, XX/XX/2019, I check my accounts and there was no transfer, no pending transfer showing in either account. I decide to call in as something is clearly wrong. I am told by the rep that I had canceled the transaction. I verified with the agent that I had done no such thing. The rep apologized for the mistake and processed a wire transfer which caused me to incur a fee with my receiving bank. Marcus refused to reimburse me {$15.00} for the wire fee. The wire was required because of a mistake Marcus made. I was redirected to a " supervisor '' and was treated poorly. The supervisor acted as if I was lying about never canceling the original transaction. They went through the notes on my account and confirmed multiple times that I had never spoken with an agent after my initial establishment of the transfer. The supervisor claimed that I returned a call about the transfer and was verified by their rep. I vehemently explained that I never called in and confirmed the account I was transferring to was a regularly used account with my Marcus account. I asked about how they could have verified someone claiming to be me and asked if they were going to have this reviewed by their fraud team. The supervisor confirmed that she didn't think it was fraud so, no. This is unbelievably ridiculous at this point. I, as a verified client, am confirming I never made a second call on XX/XX/19 and never spoke with the rep they claimed I did, and they won't investigate for fraud! The wire transfer went through and I was charged a fee. I called back and reached a different supervisor who was a little more helpful. This call was made XX/XX/2019. The supervisor said he would credit me the wire fee of {$15.00} and would have the fraud team review and reach out. Today is XX/XX/2019, I have not been credited and have had no outreach from a fraud team with any update on my case. This is incredibly poor client support. I can't believe I had to fight so much with the supervisors to be credited {$15.00} because of an error by the XXXX when I keep thousands of dollars with this bank. I am near to closing my accounts and advising every person I recommended this bank to do the same.
|
| 04/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Apple, Inc. offers a credit card, the Apple Card, which is issued by Goldman Sachs. One can apply for the Apple Card from the XXXX app on their XXXX, which I have done more than once. My application has been denied each time ( most recently today, XX/XX/XXXX ), and each time I have received an email explaining the reason for the decision. In every email, the reason is " You have recently been past due, '' and my credit score is displayed as XXXX ; each email states that the score was obtained from TransUnion and provides a phone number to call XXXX with questions.
Every time I receive this email, the same information is displayed ; I will attach a copy of the most recent email I received regarding the decision made by Goldman Sachs based off the information they received from TransUnion on XX/XX/XXXX, which I am attesting is inaccurate. At the time of this writing, I am currently and have been on hold with TransUnion for over eight hours cumulative, and my credit score -- as reported for free through the XXXX XXXX app and provided by TransUnion -- is XXXX ( a screenshot will be attached ). I have not been late on any non-medical payments in two years, which is reflected in my Credit Karma app ( I have also attached screenshots to support this ), and the XXXX credit score lines up with my credit history from approximately two years ago -- I have access to free copies of my credit report through XXXX XXXX going as far back as XXXX, and although I haven't always used XXXX XXXX as frequently as I do now, there's a score of XXXX around the time I imagine this score of XXXX might fit.
I called TransUnion earlier today ( XX/XX/XXXX ) using the phone number provided in the email I received. I waited on hold for an hour and explained my situation to the representative who took my call. She stated she could sell me a copy of my credit report for {$9.00}, but for my security she couldn't give me any information over the phone. When I expressed disappointment, she stopped speaking to me for at least two minutes. When I asked her how she expected the call to end because I had no intention of hanging up, she hung up on me. I called back from the same phone number XXXX my personal mobile phone number ) and waited for another hour, asked for a supervisor, and have since been waiting for over seven hours with no answer and no further guidance. I know that currently, due to COVID-19, they are operating under alternate hours, and they " close '' at XXXX Eastern ; I live in Arizona, so at the time of this writing it is XXXX XXXX Arizona time and they are closed, but I am still waiting on hold. I will continue to wait as long as I must to get an answer, or until the call disconnects, because I need guidance regarding why my credit score is being reported by one company, TransUnion, to two different companies as two different scores.
|
| 09/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
Im writing this letter to apple card support to get this situation squared away once and for all I have three open disputes going with apple card support at this time one is for dispute number XXXX XXXX from XXXX another one for $ from Home Depot dispute number XXXX XXXX and another one from {$170.00} from XXXX dispute number XXXX XXXX XXXXXXXX I have been going round and round with apple card support to try to get these disputes resolved with no luck I keep talking to different people and getting different answers from every person that they bounced me to. XXXX keeps telling me that that I was refunded for the {$240.00} the XXXX and the XXXX when I look at all my statements going back to XXXX I was never given any kind of credit for those three transitions but yet apple card keeps telling me that the merchant gave me a credit and thats why they were moving the provisional credit that they gave me I have sent documentation showing that none of these tranzations was ever credited back to my account Ive gotten all my statements from XXXX all the way to the present its showing that nothing was ever credited at nowhere there doesnt it say credits for for {$240.00} one XXXX or $ now as far as this {$180.00} thats in question from Home Depot the issue was I placed an order back on XX/XX/XXXX form Home Depot they unfortunately Home Depot took the money out but then some of the items werent available they cancelled my order I had to go and I had to reorder the items and they double charged my card but they never refunded the {$180.00} Home Depot said that they canceled the order and they refunded it but they never did and I sent documentation over showing that .Ive uploaded since documents several times via e-mail and a couple of times on the apple card app itself to send this documentation over and havent heard anything back so Im I sending them in the mail. the complete statements that I have starting from XXXX of XXXX to the present unfortunately apple card chose to terminate my card on XX/XX/XXXX so I have not been able to use this card at all to make any purchases and the following credits are not there they do not show up at apple keeps saying the reason theyre denying my dispute is because I receive credit which I did not when I talked to somebody back on XX/XX/XXXX the person I spoke with then said that they were gon na have somebody give you a call back which nobody ever did because they said that I had won these disputes but they had never put the credit back on the account so I need to get this situation understand if theres a card plus balance then how do I get the money from apple since my account is closed regardless because I won one of the disputes of {$290.00} I did win that my apple card i re openrd up these dispuites a couple of days ago. You keep.asking for the same information i keep giving it to you.
|
| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have been subjected to unethical practices by GreenSky that have left me deeply concerned about the financial industry 's ability to protect consumers. GreenSky, in violation of the Consumer Financial Protection Act of 2010 ( CFPA ), engaged in unfair practices that allowed unauthorized loans to be processed and serviced through their program. These loans were initiated without proper authorization from consumers, leading to unjust financial obligations and a breach of consumer trust.
Details of My Experience : I began to notice unfamiliar charges on my billing statements and collection letters from GreenSky, accompanied by calls urging me to make payments on loans I had neither requested nor authorized. As someone who had never applied for a loan from GreenSky or even heard of the company prior to these notifications, I was baffled and concerned about the origins of these charges.
After conducting further research, I discovered that GreenSky had engaged in the unethical practice of processing and servicing unauthorized loans, allowing merchants to initiate loans on behalf of consumers without their consent. This practice resulted in at least XXXX complaints from consumers, myself included, who had experienced similar unauthorized loan applications. Investigation into these complaints revealed that the fault primarily lay with the merchants, amounting to at least XXXX instances.
Impact and Consequences : The actions of GreenSky have had a profound impact on my financial stability and peace of mind. The unauthorized loans have created financial burdens that were never part of my financial planning, leading to unnecessary stress and anxiety. Additionally, the lack of proper merchant training and oversight, as well as the company 's failure to manage consumer complaints adequately, demonstrates a significant oversight on the part of GreenSky.
Expected Resolution : Given the extent of harm inflicted on myself and other consumers, I implore the Consumer Financial Protection Bureau ( CFPB ) to take swift and decisive action against GreenSky. I expect GreenSky to refund or cancel the unauthorized loan, as mandated by the consent order as a consequence of their unethical behavior. It is essential that GreenSky also implement robust procedures to prevent the recurrence of such fraudulent loans in the future.
Conclusion : I trust that the Consumer Financial Protection Bureau will take my complaint seriously and undertake appropriate measures to ensure that GreenSky is held accountable for its actions. The wellbeing of consumers is paramount, and it is imperative that actions are taken to rectify the financial and emotional damages caused by the company 's irresponsible and unfair practices.
Thank you for your attention to this matter. I eagerly await a response and the resolution of this distressing situation.
|
| 04/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I made a purchase on XX/XX/XXXX. I immediately asked for a dispute because as soon as I got the order confirmation email, it was a clear scam. The customer service email ( XXXX ) is linked to all these other scam sites, the same exact email template shows up on XXXX images from different shops, I got absolutely no product in the mail, no response from the customer service when I made an attempt to contact them, and the site said I would be charged {$73.00} but I was actually charged {$81.00}. The site I purchased from, the store that sent the confirmation email, and the merchant shown on my card statement are all different names.
I was awarded {$8.00} from my dispute with Apple Card. I originally thought this was an employee error and that they just accidentally left out the XXXX in {$81.00}. I made many attempts with Apple Card support to get an explanation and was given different answers every time. No one knew what I was talking about when I explained what the previous person had told me, nothing I was told would be done was ever actually done, and nothing was documented in my account. I waited XXXX months to get a call this past Monday ( XX/XX/XXXX ) and I was told I received {$8.00} because I only disputed in the amount of {$8.00}. Apparently the first representative thought I just wanted the difference between {$73.00} and {$81.00}, not the full amount. I was told I could reassert the dispute in the correct amount, and I emailed evidence showing this merchant was a scammer.
Today ( XX/XX/XXXX ) I got a call from a XXXX and was told something completely different. She stated the item I purchased was only {$8.00} and that I was charged {$73.00} because that is how much it cost the bank to do the currency conversion from yuan to dollars. She states that the money didnt go to the merchant, it went to whoever does the conversion and she confirmed that I just paid {$73.00} for nothing. She could not tell me who got {$73.00} from me.
I have proof that {$73.00} was the amount the scammer charged and had nothing to do with a conversion rate. My credit card statement clearly shows {$81.00} was originally paid to the merchant. I was refunded {$8.00} by Apple Card, and now the statement shows I still paid the merchant {$73.00}. The merchant site is still up showing the price of the item is {$73.00} USD, not yuan. My confirmation email showed I transferred {$73.00} USD, not yuan.
I also checked the exchange rate of the XXXX yuan; according to the merchants confirmation email the exchange rate was {$8.00} which would be why it went from {$73.00} to {$81.00}. I did the research, and that's not right either. XXXX XXXX is {$0.00} in USD, so if I was charged XXXX yuan like the Apple card specialist tried to claim, it should've been {$11.00} USD, not {$8.00} USD. None of the math adds up to anything I am being told.
|
| 05/02/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
On XX/XX/2023, I went over the money that I had in my Marcus account, which is owned by Goldman Sachs. I had bought a few CD 's through them before, and thought I would check the rates. My savings there is currently getting 3.9 %. I saw the CD rates, and that all of them had rates on the main screen of over 4 %. See my attachment, and it is a screen shot from today ( XX/XX/2023 - all screen shots are from today ) on the first page.
After looking into the different types, I decided to do the no-penalty CD, and the rate at 4.15 % seemed appealing, especially with the fact that I could cancel it. Yes, it does say after 7 days, but I figured I would have no reason to cancel it unless in the event rates go up, which would be more than 7 days most likely.
Well, I went through the steps, and funded it by transferring {$20000.00} from my savings at Marcus to the CD. Then I happened to check it online today. Lo and behold, I was bait and switched!!!
It showed I was only getting 0.45 %!!!! Quite a difference, I assumed it was an error, that there was a misplaced decimal point. No, it was correct they said. I then saw that when a person clicks on that first page showing the term of 13 months wit 4.15 %, and then you click Open Account, naturally I assumed that was what I was getting. I figured the one thing I would need to do is put the dollar amount in, which I did.
HOWEVER, what the sneaky, unethical firm did ( and I have used them for quite some time and had been pleased prior ), is that when the Open Account button is selected, even though the 13 month term and 4.15 % is shown, it then changes the term to 7 month, and to be a ridiculously low rate of 0.45 %. See second page, second screenshot.
Now, had it been a bit lower, even a decent amount lower, I would not be so bent out of shape. For it to be so drastically lower, and lower than any reputable online firm is offering, I feel there is no doubt that this was done purposely and with intent to bait and switch people.
Ok, so bad enough. I figured since I can tell them that I felt misled, and the fact that the money came from Marcus and not transferred form outside, I should have no problem in getting the no-penalty CD cancelled if I at least reached out and told them the issue. See third screenshot, third page.
First I went through the chat, and was told no. Then the phone, and I escalated to a manager, and told no. Now granted it does say it can't be cancelled within 7 days, but I also feel this is done to get people to simply give up or forget about it, or for them to at least squeeze a week of their lowest rates on their system, even lower than the basic savings rate.
At the least this is poor customer service. And looking at the rate for the high yield CD for 6 months is 4.25 % versus 7 months for the bait and switch CD it defaults from XXXX to XXXX.
|
| 08/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
My XXXX XXXX XXXX XXXX card was switched over to a new company, Marcus by Goldman Sachs. This switch was without my consent or knowledge, this was XX/XX/XXXX. I called the number on the back of my XXXX XXXXXXXX card and was transferred to Marcus by Goldman Sachs. I asked them to deactivate my card, because I did not want to use the card but I did not want to close the account and hurt my credit. I informed them that this was my online shopping card attached to many different accounts like XXXX, XXXX, XXXXXXXX XXXX, any place that takes money monthly or anything you have to attach a card to, i attached this {$300.00} limit card from XXXX XXXX that i had for 6 years. So as I went to login to my things, and it was on this card i would change the card. I was unaware that closing a {$300.00} credit limit would not hurt my credit at the time ( I found that out in new research this month, so the account is now closed ) but going back to XX/XX/XXXX, they were supposed to deactivate it. Then a charge went through for {$1.00}, after receiving that bill I paid the card off and asked them to be sure this time the card was turned off. Two more times purchases went through on this card, I did not want to place my checking account number with a credit card I had never heard of. The lady on the phone told me to dispute the charge of {$21.00} since the card was supposed to be deactivated. So I did as she informed me, and put a dispute in. The credit card company says their records say I called back in and cancelled the dispute. I never did that, and so now 2 late fees have tacked on to the bill. So I then did research about closing the account since I am having so much trouble, so on XX/XX/XXXX I called in and made the {$21.00} payment and closed the card for good, they sent the late fees to dispute since I shouldnt be responsible for those. They are now saying after looking at the dispute they are not taking these fees off. So I am wanting to file this as scam or fraud. I believe they are scamming me for late fees, I called in numerous times to stop this card. Charges that went through on this card, they should have been declined if the card was deactivated. The company says there is no record of me requesting that, then they cancelled my dispute and said it was claimed by customer, it was not. I called to make payment and she suggested I dispute. If I had paid the {$21.00} charge when I called in, it would have never gained interest and late fees. Marcus by Goldman Sachs told me there is no number or anything they can give me, no higher manager to send me to. I am not late on credit card payments, this has dropped my score XXXX points and I work hard to keep up with my bills. I am wondering if there is anything I can do other than pay {$62.00} to that credit card company that is scamming me. Thank you so much for you help.
|
| 06/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I made a purchase in XXXX of XXXX, and applied for an apple card due to a discount if I opened an account. I gave the apple store clerk all my billing information including email address for which I wanted to receive statements. Apple Store uses Goldman Sachs Bank for their Apple Card. My intent was to pay off the card on the first billing cycle to avoid any interest. Having never received a statement, in XXXX of XXXX I was notified of a negative entry on my credit report from a monitoring service that I have. It was from Goldman Sachs Bank of overdue payment ( which I never received a statement ) On calling the Bank XX/XX/XXXX the representative I spoke with stated the statements go out electronically. I explained that I never received any electronic statement and would like to know where it was sent. The representative stated she could not give out that information. I asked for the address to send a complaint regarding not receiving any statements and was given Goldman and Sachs/Apple Card XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX.
On XX/XX/XXXX ( In the middle of the current pandemic ) I sent a certified letter to Goldman Sachs explaining the situation and requested mailed copies of statements, as well as provided my email address and telephone number so someone could get back to me to discuss this issue. I also requested all paper bills from this point forward because I was not receiving electronic bills, as well as a redaction of the delinquency in my credit report. Although I received the paper statements up to XXXX in XXXX of XXXX, I still have not received any paper monthly statements. I saw that the email they had on the account is not my email address that I provided to the Apple Store representative for the application.
The statement stated I owed {$2500.00}. On XX/XX/XXXX I sent a certified letter with the full amount that was owed, stating this was my payment in full to close the account. It was posted to the account XX/XX/XXXX. I also included in the letter to have all correspondence of this account be in writing and gave an address and telephone number. Nothing was ever received from the company.
I made an inquiry in XXXX of XXXX and found the account was never closed and still accruing interest. When I called and spoke to the representative I was told that all cancelled accounts had to be done over the phone. When I stated that I sent a certified letter with instructions, she repeated that all accounts had to closed by phone. In order to close the account I had to pay an additional {$14.00} for interest ... on statements I never received?
I find it appalling that a company can do this. I hope this complaint can be rectified and any interest charges that were paid be refunded as they bank was not sending any information as requested in order to payoff and close the account.
|
| 05/04/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
Dear CFPB, In asking for your assistance, I am seeking resolution to an unfortunate situation with XXXX, by XXXX Bank XXXX ( XXXX : XXXX. ) Today is XX/XX/2023, and XXXX Bank XXXX has been in possession of ( XXXX ) cashier 's checks that were intended to fund XXXX accounts opened via web portal, on XX/XX/2023.
Access to the new accounts was subsequently locked, in their yet unfunded state.
Any security concerns have been acknowledged as cleared by the Bank, as of XX/XX/2023. Quite likely sooner, as the completed affidavit was returned on XX/XX/2023. ( See attached documentation for details. ) The status of these deposits is still in limbo, even though the Bank acknowledged receipt of the funds, and placement in their respective accounts, via XXXX correspondence indicating ( XX/XX/2023. ) XXXX account remains open, showing XXXX balance ( OSA. ) The other, an XXXX month XXXX of XXXX was subsequently closed, flagged as " unfunded. '' ( Email dated : XX/XX/2023. ) Furthermore, after much research, it appears this is a recurrent method of operation, with unsuspecting customers. ( a.k.a., victims. ) Withholding deposits, locking account access, or otherwise stalling using XXXX XXXX in conjunction with " terms of service '' effectively lowers the XXXX, as advertised. This basically wipes out any monetary advantage gained by depositing funds with XXXX, versus their competitors.
In simplest terms, I've been " screwed '' out of approximately XXXX week 's interest, even though the Bank has agreed to credit my ( XXXX ) cashier 's checks into the remaining account, if I CONTINUE TO WAIT. For what??
A somewhat less than equitable solution to my dilemma would be for the Bank to IMMEDIATELY credit the afore-mentioned funds, in their entirety, to the remaining OSA.
Immediately means today, rather than XXXX to XXXX more days, yet again.
Otherwise, the sum of my funds should be PROMPTLY returned via Bank check, to the address on file, which was provided when the accounts were originally opened.
Promptly, means I will not find it necessary to place XXXX fruitless calls to " Customer Service, '' or file another complaint with the Regulators.
No more perpetual loops of " Call, Wait & Repeat. '' Most average citizens like myself, can not endure the stress, suspected loss, or forfeiture of their life 's savings over these unnecessary hijinks.
In what reality does it take over XXXX weeks to make a simple deposit into a savings account??
Also, do not attempt to purport that the Bank reached out via phone call, or email without response, to retroactively justify the delays.
Please take time to review the attached documentation, as it will provide the information relevant to the accounts.
Personally, I will be returning to XXXX XXXX XXXX, as this has been a horrific, and totally unexpected learning experience.
|
| 04/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am deeply concerned and extremely dissatisfied with the way disputes are being handled by Apple Card, issued by Goldman Sachs. Their approach towards dispute resolution demonstrates a blatant disregard for the gravity of the situation and reflects an alarming lack of professionalism. The subpar service provided not only raises questions about their commitment to customer satisfaction, but also severely undermines the trust that consumers place in such an esteemed financial institution.
1. Dispute Case Number : XXXX ; {$14.00}.
On XX/XX/XXXX, I was extremely dismayed to receive the case result from Goldman Sachs, the issuer of Apple Card, which indicated a credit of {$2.00} and a subsequent rebilling of {$11.00}. According to Goldman Sachs, I had already received a credit from the merchant for the disputed amount, which I firmly believe should have been {$11.00}. However, upon closely examining my transaction history, I discovered that the only {$11.00} credit I received was dated XX/XX/XXXX. Furthermore, the merchant 's website clearly states that this amount corresponds to an entirely different order.
2. Dispute Case Number : XXXX & XXXX ; {$350.00}.
After receiving the result of my initial dispute, I found significant inaccuracies in the evidence provided by the merchant, prompting me to file an appeal on XX/XX/XXXX. In my appeal, I highlighted four issues and submitted three supporting documents to bolster my case. My dispute was not about a cancellation but rather a hygiene issue with a hospitality service. Additionally, I pointed out the misleading 12-hour request that the merchant 's evidence couldn't even support, and the fact that the document provided by the merchant wasn't accessible to customers at the time of booking.
However, upon receiving information on how Goldman Sachs made their appeal decision, I was dismayed to find that the documents and information used were identical to those in the first dispute. This raises serious concerns about whether my appeal was even duly considered. Furthermore, when I attempted to request information about the appeal decision through chat customer service on XX/XX/XXXX, I encountered strong resistance from the representative, who even stated, " there is no need to do that, the decision has been made. '' This entire experience has left me extremely dissatisfied with the dispute resolution process of Goldman Sachs. I am disappointed by the lack of transparency, unresponsiveness, and apparent disregard for the additional evidence provided in my appeal. I urgently request that my case be re-examined by a different team or supervisor to ensure a fair and thorough assessment of the matter. Additionally, I would like to receive a clear explanation of the decision-making process and the factors considered in reaching the final determination.
|
| 03/17/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
An initial request for any and all documents in relation to or regarding the account in question were requested on XX/XX/22 via email. Greensky denied having any other documents excluding those accessible via their web portal - related to the account after months of pursuing. On or around XX/XX/22 a rep stated, via a recorded telephone conversation, other documents were in fact in existence, yet I was not allowed to have them. I repeatedly asked for the documents, she repeatedly denied the requests.
Greensky has violated my consumer rights by denying access to any and all documents in possession associated with the account, Greensky actively concealed my access to the information despite acknowledging its existence.
Greensky has violated the following but not limited to Section 609. Disclosures to consumers ( 15 U.S.C. 1681g ), Section 610. Conditions and form of disclosure to consumers ( 15 U.S.C. 1681h ), Section 616. Civil liability for willful noncompliance [ U.S.C. 1681n ], and Section 617. Civil liability for negligent noncompliance [ U.S.C. 1681o ] which is legally enforced by but not limited to Section 621. XXXX XXXX [ 15 U.S.C. 1681s ] of the Fair Credit Reporting Act 15 U.S.C XXXX Greensky has violated the terms and conditions of the Loan Agreement. Via a recorded telephone conversation, on or around XX/XX/22, XXXX XXXX refused to honor and uphold the terms and conditions on page 7 of the companys agreement which states : Your Rights If You Are Dissatisfied With Your Payment Card Purchases If you are dissatisfied with the goods and services that you have purchase with you Loan, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true : 1. The purchase must have been made in your home state or within XXXX miles of your mailing address, and the purchase price must have been more that {$50.00}. ( Note : Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that you the goods and services. ) 2. You must have used your payment card for the purchase.
3. You must not yet have fully paid for the purchase.
If all if the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at : GreenSky Program Attention : Disputes XXXX XXXX XXXX XXXX, GA XXXX You may also contact us at XXXX While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you delinquent.
XXXX stated she agreed that my efforts met the requirement to honor the right to not pay yet would not honor it.
|
| 04/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I found a seller on the XXXX XXXX who wanted to sell the photography equipment listed below. And after back and forth negotiation, I ordered a XXXX A XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX for the total sum of XXXX XXXX, XXXX XXXX and XXXX dollars ( {$3900.00}. XXXX ). We both agreed to use XXXX for secured payment. I made the payment via three cards because my credit card has a limit of XXXX XXXX dollars {$2000.00}. Consequently, I made payment in {$1800.00}, {$850.00}, and {$1300.00}, respectively. The seller claimed the item would be shipped in XXXX different boxes. The first box was delivered on the XXXX of XXXX. When I got the box in my mail and opened the flat tiny box, it was only a notepad that was in it. The second box was delivered on the XXXX of XXXX with a damaged box sticker from USPS, and when I opened it, it was a bigger notepad and printing paper to mimic the weight of the equipment. I tried to reach out to the seller immediately via XXXX and realized I had been blocked from the XXXX marketplace. Till today I am not able to reach the seller via XXXX XXXX except through XXXX.
So immediately, I logged into my XXXX to file a dispute on all the payments.
I officially filled the dispute with XXXX and Goldman Sachs, the credit card provider.
XXXX sent me a request to have a police report that I did and submit a complaint online to the Internet Crime Complaint Center. After submitting the reports, XXXX issued a refund for XXXX and XXXX dollars but refused to make a refund for the {$1800.00}, stating that " I already filled a dispute with the credit card provider which is Goldman Sachs.
After ninety days, I got feedback from Goldman Sachs that the dispute was in favor of XXXX. So I reached out to them on the XXXX of XXXX, demanding to speak to a supervisor who told me that XXXX XXXX skipped a process to resolve the matter. He then asked me to submit evidence which includes the police reports, screenshots from XXXX that show I was refunded XXXX and XXXX dollars, respectively. And the dispute will take another ninety days.
On the XXXX of XXXX, I got another email that the dispute filled was resolved, and it is in favor of XXXX. So, I called Goldman Sachs and demanded to speak to another supervisor ; she apologized and promised to escalate the matter and that someone from a certain department will call me within ten days.
I waited till the XXXX of XXXX but did not receive any call. So, I called XXXX XXXX again to ask what the update was and if the evidence submitted helped in any way. The supervisor stated she is escalating again. I got the XXXX dollars on my card, but to my surprise, today, the XXXX of XXXX, the money paid to the card was reversed. So I called XXXX XXXX to ask what the problem was, but the supervisor does not have any tangible response.
|
| 05/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
The morning of XX/XX/2020 I attempted to pay the XXXX balance ( {$830.00} ) on my Apple Card serviced by Goldman Sachs. I attempted to make a payment via my XXXX 's built in XXXX XXXX and was presented an error. After attempting a few more times and still receiving the same error I contact their support via XXXX. I was instructed to try again in a few hours as they have been having issues processing payments.
A few hours later I attempt to make a payment again ( {$830.00} ) and it went through with out error. When reviewing that the payment was successful two payments showed within the XXXX XXXX XXXX both posting at XXXX CST ). I again contacted customer support to inform them of my new issue and was informed that the payment would be canceled ( not processed ).
The following day I inspect my XXXX XXXX again and see a third payment on my account for {$300.00} posting a XXXX CST. I again contact support and was told the payment was canceled.
Later in the week when checking my bank records I saw all three of these payments debited from my account and saw that the second & third payments where later refunded. After verifying in the Wallet App I am seeing " Balance Adjustments '' for the amounts of the refunded money increasing the balance on my line of credit. After digging through my record it appears as if the system initiated overpayments where applied to an installment plan I had for my XXXX but when refunded the moved from interest free financing to my line of credit and are now accruing interest.
After many conversations via chat & phone being told my issue would resolved on their end and notified when done, I will be getting a call back to discuss options, I would be receiving a {$50.00} balance credit for my troubles, to me needing to go into he XXXX store and have them return and resell me my phone.
I finally got contacted by a manager that informed me that all they could offer was. a {$50.00} credit and by accepting it I would be ok with the resolution. I was earlier offered the credit as compensation for the issue as a sign of good will but it had turned into an absolution of guilt and still leaves me with a balance accruing interest unrightfully. I declined to accept the offer and insisted on being made whole again with my account reverting to pre-multi-payment system issues to which I was told they saw this as my issue as I made multiple payments ( even though they acknowledged the system issue prior and after multiple times ) and that I may not receive a better offer. I was told that it would be forwarded on and that I may be receiving a response or maybe not so I turned to you to fill a complaint.
Attached is the email acknowledging the issue, the chat conversations I had, my statement before / after the issue showing the removal of my installment item.
|
| 08/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concern : I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT!
( Apple, Goldman Sachs Bank ) ( XXXX ) ( XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I GIVE ANY WRITTEN instructions to FURNISH THIS ( ACCOUNT ) on my CONSUMER REPORT! Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person
making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual.
Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.
Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Respectfully, XXXX XXXX
|
| 11/23/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX I checked my account and discovered 3 transactions that were not authorized by me to an account I know nothing about. I immediately called Marcus By Goldman Sachs to report the theft. I reached out to the Goldman Sachs bank after the business hour, but the 24-hour, 7days week customer service line did not file my claim immediately.
I had calling back to Goldman Sachs bank the next day, XX/XX/XXXX morning. The investigation started. On the same day, the old accounts ending in XXXX and XXXX were frozen for any further transactions. New accounts were opened. On the same day, the password of the online banking was updated by me.
XX/XX/XXXX, I called Goldman Sachs bank to follow up on my investigation status. This morning, two account specialists told me, my investigation was denied. This is the final result, and no further investigation will be done, they told me. The same day, I called Goldman Sachs Bank requesting a supervisor. The dispute team supervisor, XXXX, confirmed that the previous two account specialists provided me an incorrect information. My dispute is still in the investigation status. Not completed it yet.
XX/XX/XXXX, the email address as a username of the online banking was updated by me as well. I requested Goldman Sachs bank 's dispute department to keep locking my online banking for security.
The account to which the money was transferred is listed as " Internet transfer to XXXX XXXX XXXX XXXXccount XXXX ''.
This is not my husband 's name or under my name bank account. XXXXXXXX XXXX confirmed.
The claim number at Marcus is XXXX XX/XX/XXXX, dispute department supervisor XXXX confirmed my signed form for the dispute agreement was received. XXXX confirmed that my dispute is still under review.
On XX/XX/XXXX, Goldman Sachs bank called and notified me that the investigation would take longer than 10 business days and it takes up to 45 days instead. On XX/XX/XXXX provisional credit of {$8300.00} was provided to XXXX of the new accounts. I have received a letter of provisional credit notification the following day. I requested Goldman Sachs bank 's customer service to unlock the online banking for me to make an external transfer to my other bank account and empty the account. However, they politely stopped me from making any external transfer at this moment on XX/XX/XXXX and XXXX, both days. The customer service told me, I needed to wait for the investigation completion notification letter to do anything with the fund. My occupation is a banker. My understanding is that I should be able to access my banking transaction with the provisional credit while the claim is under investigation. But the customer service did not help me.
As of today, XX/XX/XXXX, I am still waiting for the investigation result with the permanent credit.
|
| 11/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American |
|
WHAT HAPPENED I applied for an Apple Card on XX/XX/XXXX on my iPhone and provided a copy of my state identification card. I got an email the following day stating that my application was denied because " we are unable to verify your identification information ''. I checked the information and applied again on XXXX with the same result.
I called Apple Card support ( XXXX ) on XXXX to find out what was wrong ( I have a XXXX XXXX so gave permission for my husband to speak for me ). The representative told me to check that all my information was correct ( on my iPhone, Apple ID etc ) and be careful with uploading my ID card. I tried again using the Apple website and again got the " unable to verify '' email.
My husband and I carefully checked our credit reports at all three credit bureau ( XXXX, XXXX XXXX XXXX ). All our information was correct. The only possible problem could be that XXXX had our previous apartment number as current despite also listing the more recent unit ( we moved within the same building one year ago ). We contacted XXXX to make this correction.
Before applying again on XX/XX/XXXX, I called Apple to check if it was OK to proceed. The rep encouraged me to do so but my application was again denied because " You have applied a number of times and we can not verify the information you have provided at this time ''. I called back and was told that I should wait a couple of days and then apply again.
To be safe, I waited until XX/XX/XXXX before applying again but was again got the " ... number of times ... '' email. I called Apple again to ask why this had happened after I had carefully followed their instructions. The rep said that she would transfer me to Apple ( XXXX ) to get help with the identification process. The new rep said she was with Apple support, didn't know why I'd been sent to her, and would transfer me to " Goldman-Sachs XXXX XXXX In fact, this was back to Apple Card because, while the reps pretend they're speaking for the bank, they don't! This time, the rep told me that I should wait for 2-3 weeks before applying again. I asked to speak with a supervisor and explained the situation but was told she could do nothing.
MY COMPLAINT Apple Card 's automated application system is like playing the lottery. Their representatives can not help and so are restricted to giving tips rather than providing factual advice to help customers solve problems that may occur. I was not told why my identification was unsuccessful, encouraged to try multiple times, and then prevented from applying again due to an unrevealed limit. This is not the way a serious and fair bank should operate.
My husband applied in XXXX and was approved within minutes! We have the same addresses, high credit scores and income so why should I have so much trouble?
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
*THIS IS NOT A DUPLICATE COMPLAINT* This complaint is in response to Complaint # XXXX I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding the reporting of late payments on my account. It has come to my attention that the late payments you have reported to the credit bureaus are in direct violation of the provisions outlined in the United States Code, specifically 15 USC 6802.
According to 15 USC 6802, it is illegal to report inaccurate or incomplete information to credit bureaus. Furthermore, Section 15 USC 6802 ( b ) explicitly prohibits the disclosure of non-public personal information without the consent of the individual concerned. In light of this, your disclosure of my account 's experience or transaction information to the credit bureaus, who are non-affiliated third parties, also violates the Fair Credit Reporting Act ( FCRA ).
Upon reviewing my credit report, I have discovered that your company has incorrectly reported late payments for my account. This incorrect reporting has had a significantly negative impact on my credit score and overall creditworthiness. Not only is this a violation of 15 USC 6802, but it also contravenes the FCRA, which mandates the accurate reporting of credit information by creditors.
In accordance with the aforementioned legal provisions, I hereby demand that you immediately update the status of my account with the credit bureaus to " paid as agreed '' within four business days from the date of this letter. Failure to comply with this demand will leave me no choice but to pursue legal action against Apple Card for each violation under 15 USC 6802 and the FCRA. Please Note : Company policy does not supersede federal law.
Please be advised that if I am forced to take legal action, I will seek damages of {$1000.00} per violation, as provided for by the United States Code and the FCRA. I strongly believe that the accurate reporting of my account 's status will rectify the damage caused by your company 's incorrect reporting and restore my credit profile to its rightful state.
To ensure a prompt resolution, I kindly request that you acknowledge this letter within five business days and provide written confirmation of your commitment to rectify the reporting errors. Additionally, I expect written confirmation from the credit bureaus regarding the updated status of my account within ten business days.
I trust that Apple Card, as a reputable financial institution, will handle this matter with utmost urgency and in compliance with applicable laws and regulations. I hope we can resolve this matter amicably without resorting to legal measures.
Thank you for your immediate attention to this matter. I anticipate a timely and positive response from you.
Sincerely, XXXX XXXX
|
| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!
|
| 07/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
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On XX/XX/XXXX, my Apple Credit Card issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, was charged {$1500.00} for services rendered by " XXXX XXXX XXXX '' on that date. I notified Apple and Goldman Sachs Bank by telephone call to their disputed transactions numbers that I did not make this charge, that I was not on a XXXX XXXX flight on or anytime close to XX/XX/XXXX, and that the transaction was either an erroneous billing or fraudulent. Goldman Sachs Bank issued a temporary credit to the account and undertook to investigate. Approximately 90 days later I received an email saying that the matter had been investigated and the merchant charge will remain on my account. No information was provided as to the basis for the charge, whether XXXX had provided billing details or whether or how my card number had been used. I protested this result by telephone call to an Apple Card Specialist, who referred me to Goldman Sachs Bank and Goldman Sachs Bank said they would reinvestigate the matter and let me know the outcome within 90 days. Approximately 90 days later ( XX/XX/XXXX ), I received an email from Goldman Sachs Bank saying the transaction dispute had been re-investigated and that " based on our review, the original decision will remain because there is no evidence to substantiate the claim. '' A Dispute Case Number was given as XXXX and the full disputed amount was charged back to my account. The email also stated that I have the right to see " the information we gathered to make this decision '' and " to request a copy, please contact an Apple Card Specialist. " On XX/XX/XXXX, I contacted by telephone an Apple Card Specialist at Goldman Sachs Bank ( XXXX ) and requested the information and she said she does not have it and transferred me to another person ( XXXX XXXX, who said she would mail the XXXX information to me. On XX/XX/XXXX, I spoke by telephone with another Goldman Sachs Bank representative about the status of the expected information, who said they have received no information from XXXX about the charge and she would file an internal complaint and the investigation team may contact me. In the meantime an interim credit to the account would again be issued and the matter would be resolved within 90 days. To date I have received no information from Goldman Sachs Bank supporting this charge by XXXX and no one from Goldman Sachs Bank has contacted me. In sum, this charge appears to be fraudulent and Goldman Sachs Bank does not appear to have any records that support a charge for " wifi services '' aboard a XXXX XXXX flight or any other charge. There is also no evidence that any investigation was in fact made, and I believe the bank simply issued a temporary credit and, at the end of 90 days, the bank reversed it and and reinstated the charge.
|
| 10/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/23, I scheduled an transfer of {$2000.00} to be transferred to my personal credit union checking account on XX/XX/23 ( this was to cover payments, including a large payment to a credit card, to be made several days after the transfer was to occur ). I received an email notification 1 minute after scheduling the transfer confirming the transfer would happen on XXXX.
This transfer never occurred ( I was entertaining out-of-country guests the month of XXXX ). Due to my company and workload, I did not discover this failure until I received a letter via USPS on XX/XX/23 from both my credit union that I had an NSF and the credit card company for whom a large payment was scheduled. I contacted Marcus immediately and have spoken with 6 representatives ( including 3 supervisors ) on XX/XX/23, XX/XX/23 and XX/XX/23. The first said they would " look into it '' and call back, which they did but said they " just didn't see the transfer ''. None of them would research the matter further OR thoroughly and just kept saying " they didn't see the transfer '' and " at least I still had access to the funds ''. See the attached letter to Goldman Sachs Bank dated XX/XX/23.
I am very upset that not only could this have caused damage to my credit rating, but that they can not find ANY evidence that I scheduled the transfer in spite of the fact that I have a printed confirmation with the date and time I scheduled it ( and a very long confirmation number ) and the fact that I received an email confirmation within 1 minute of scheduling the transfer.
I was told I could only write a letter ( which I have done ) to have fees reimbursed and mail it via USPS. They have no means of of emailing or uploading my confirmation and email. In addition, my letter requests a thorough investigation into this matter.
I believe that Marcus by Goldman Sachs has something wrong in their system that cause a transfer not to go through. I feel certain I am NOT the only person to whom this has happened and I feel a full investigation needs to be launched to determine what happened and why the transfer did not take place ; as well as what happened in order to correct the matter. As a XXXX XXXX in the XXXX XXXX I am quite upset at the poor customer service and handling of this matter, ESPECIALLY in light of the fact that they can not locate a transfer THEY CONFIRMED VIA EMAIL!!!!
I am also very concerned with the poor attitude of all 6 staff members and their 'inability ' to launch a more thorough investigation. This is an online savings account that they advertise the ability to make a {$100000.00} same-day transfer to external banks, yet they couldn't do it with over 3 weeks notice.
I have filed a complaint with the Federal Reserve but was referred to the CFPB for further action.
|
| 12/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
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|
Web |
|
|
I applied for a loan on XX/XX/XXXX and was approved for a personal line for credit from Marcus by Golden Sachs. I applied online and the process was going smoothly until the final step in the process when I received a technical error message on the website. I will attach the image of the message.
I called the customer service number provided and went through the troubleshooting steps. They asked me to use a different browser, to clear my cache and cookies, and download the app. I did all of these things and was advised that a ticket would be put in to try to help my situation. They told me that I was approved, and I had seen an alert from my credit report that the loan was being reported. I was told to wait and keep trying the website.
After multiple attempts, I called the customer service line again and was told that my problem was being escalated but did not see any progress or change. On XX/XX/XXXX I called in and asked to speak with a supervisor because I did not see any changes and was losing trust in the company handling my loans. A few of the calls would not be escalated and I was just told to wait. I was frustrated with the lack of answers and that it would take so long to escalate. On XX/XX/XXXX I was finally able to speak with a supervisor. There were still not any solutions - I asked for the paperwork to be emailed to me or what the process was if there were issues like I was having. I was told the only way to get the paperwork to me was by mail. I requested that I get the papers fedex to me but all of these request I was told no. I was told that the technical support could take 7-10 days. I was worried of there being not resolution so I asked for the paperwork to be mailed to me. She assured me it would be.
On XX/XX/XXXX I received a letter in the mail and thought it was the paperwork but it was only a letter saying they needed my bank information to finish the loan. I called and tried to get the information to them but I will still be having the technical issue every time I logged in. The supervisor told me that from looking at the notes they were not able to send out the paperwork yet. This was not acceptable to me, nor was it communicated. I think it would have been important to let me know that there were still issues with the paperwork and getting my the loan. There seemed to be no urgency or direct communication with me about the status.
I do not feel like I can trust XXXX but I feel stuck. I am worried about canceling the loan and having that impact on my credit. I am concerned about being declined by another company. I do not think it is right for a bank to hold a customer like this to their loan with no solutions on how to get the paperwork signed. It has impacted my credit and I need to build trust again with the company.
|
| 09/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I had an old credit card through XXXX XXXX, I had one thing recurring on it, a XXXX account to keep the card current and help my credit. The account was set up on auto payment with XXXX XXXX to my bank account. Around XX/XX/2022 XXXX sent me a notice that my card had expired and needed to update my account. Not even thinking about it I updated the account to a new card. Late XX/XX/2022 I got a notification on my credit report that my credit score had gone down by XXXX points. There was a missed delinquent account from Goldman Sachs. Knowing that I didn't even have any business with them or an account I called right away. Marcus by Goldman Sachs had purchased the credit card from XXXX XXXX in XXXX of XXXX I called and said I had no idea and that was an old card that I never used and it was only tied to a XXXX account. They had an old mailing address for me so the letters sent was sent to the wrong address and I never received anything. There was a balance of XXXX dollars total when they purchased the credit card from XXXX XXXX. I told them I had no problem paying what was owed to the card and any interest. I paid them XXXX dollars to make things right. I then asked if they would please remove any late fees because there was a miscommunication of the new purchase and I never received any information about the credit card changing companies. They said they would get back to me. I gave them the right email address, address, and made sure they had my phone number. 3 weeks later I received another email stating that my account was past due and more fees were charged. Now there is a balance of XXXX dollars that is delinquent on my credit score. After updating my information, I have received XXXX statements, phone calls or letters from them. I have tried multiple times through out the month to create an account with them online to see any information about it. There website is broken and times out every time I try to create and account. I didn't even sign up with them, I don't know how it's even legal for XXXXl XXXX to sell them all my information and sign me up with them without my consent. I paid them 2 times the amount of the original balance on the card. Now they are tagging me with XXXX to XXXX dollar fees for the past month. But I have no idea about due dates, didn't receive any mail, phone calls or emails, except that my account is past due. I didn't even receive a credit card from them. I don't know how this is legal or how this is even happening, but it is greatly effecting my credit score.
I have attached the statements that were sent via email during first phone call in early XXXX. I have received nothing since expect the emails shown in screen shots. Can't sign in online, received nothing in the mail, and haven't received a single phone call.
|
| 07/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XX/XX/2023 Subject : Dispute Reasoning Letter - Request for Immediate Deletion of Unauthorized Inquiries from Consumer Report Dear Sir/Madam, I am writing to formally dispute the presence of certain unauthorized inquiries on my consumer report maintained by your agency, which violate my rights as a federal protected consumer under the provisions of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b. I request that you take immediate action to delete these items from my consumer report in accordance with the applicable laws and regulations.
As a diligent consumer, I have thoroughly reviewed my consumer report and discovered the presence of inquiries that have been reported without my written consent, thereby contravening the provisions outlined in 15 U.S. Code 1681c-2. This violation is not only a breach of my privacy rights but also undermines the fundamental protections guaranteed to consumers under the U.S. Constitution.
Moreover, in accordance with the " saving to suitors '' clause as prescribed in sections 41 ( 3 ) and 371 ( 3 ) of title 28, U.S.C., I am asserting my rights to seek resolution of this matter through appropriate channels. The fraudulent reporting of these inquiries is in direct violation of the principles enshrined in the U.S. Constitution, which upholds the sanctity of individual rights and protections.
I kindly request that you promptly investigate this matter and initiate the necessary steps to delete these unauthorized inquiries from my consumer report. It is crucial that your agency takes immediate action to rectify this error, as the presence of these inquiries is not only inaccurate but also has the potential to impact my creditworthiness and financial well-being.
Please find my information below for reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Email Address : XXXX I expect your full cooperation in resolving this matter expeditiously, within the prescribed timeframes as defined by the Fair Credit Reporting Act ( FCRA ) or 30 days from this document 's date. Failure to comply with these legal obligations may leave me with no choice but to pursue further action to protect my rights as a consumer.
I would appreciate a written confirmation acknowledging receipt of this dispute letter and providing an outline of the actions you intend to take to address this matter. Furthermore, I request that you provide me with a copy of my updated consumer report once the unauthorized inquiries have been removed.
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism, adhering to the legal guidelines and your responsibilities as a consumer reporting agency.
Yours faithfully, XXXX XXXX
|
| 02/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I purchased an XXXX XXXX XXXX XXXX XXXX ( Order # XXXX ) and it was delivered to me on XX/XX/XXXX.
On XX/XX/XXXX I received my credit card statement dated as of XX/XX/XXXX. On Page 4 of the statement it was noted that I had two Apple Card Monthly Installment dated XX/XX/XXXX for {$650.00} each ( a total of {$1300.00} ) which is incorrect given that I only purchased one XXXX as noted on the purchase order above.
On XX/XX/XXXX I called Goldman Sachs Apple Credit Card XXXX after several attempts to resolve the issue via text message chat ( Apple 's preferred method for customer service ). I was transferred to multiple people and was told that my issue was going to be resolved and that someone would reach out to me.
On XX/XX/XXXX I received as email at my email address on file ( XXXX ) stating that they had tried to reach me and were unable to. I reached out to them right away and I was told that my account had been blocked due to 'Fraud '. They said it was because the phone number on file was not my phone number. I told them that was my old phone number ( XXXX ) which I no longer used. I gave the agent my correct number ( XXXX ) XXXX. They told me that someone was going to reach out to me to verify my identity. Meanwhile, they could verify my identify by using a combination of the last four digits of my social + Date of Birth. Why my new phone number was a valid reason to flag my account for fraud without any fraudulent activity recorded on the account is beyond unprofessional and unwarranted.
After about two ( 2 ) other attempts to reach Goldman Sachs Apple Credit Card services, they have failed to resolved my the error on my credit card statement and my account remained blocked since XX/XX/XXXX.
On XX/XX/XXXX I contacted Goldman Sachs Apple Credit Card to make my monthly credit card payment ( as a responsible card holder ). The agent told me " THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''. I asked why that was the case, she responded that my account is past due. I asked why my account was past-due and she said because I had not made payments - I told her I had not made payments because my account is blocked. My account is blocked which means : 1. I can not access apple card through the 'Wallet ' App on my XXXX 2. I can not log into https : //card.apple.com/ to make payments 3. I can not view nor have I received my XXXX Credit Card statement form apple or Goldman Sachs .
I am left with the option to call them and make payment which I did only to be treated a delinquent customer even with the over 3years I have held that card.
I did not make payments in XXXX because my credit card statement is incorrect and they have taken over 1 month to resolve to no avail.
|
| 09/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Goldman Sachs Bank services my GM Rewards Mastercard. I got an email this morning notifying me that they had lowered my credit limit from {$2500.00} to {$1000.00}. The stated reason is : Your XXXX credit report shows you have recently been past due on another credit card account. In fact, this reasoning is false. I pulled my report after receiving the email and it shows no derogatory activity since 2019, well before this account was opened. I have received no correspondence from my current creditors that I am past due at all, much less more than 30 days to have this information appear on my credit report.
I called and first spoke with a representative who identified herself as a supervisor ( I did not ask for a supervisor, I simply got one ). She stated I would have to obtain the credit report TU furnished. It seemed as though she believed it was most likely there was simply information on the report I was not aware of because she asked if I was getting my information directly from XXXX or a third party like XXXX XXXX. I informed her I had a contradictory credit report more recent than the email, directly from XXXX. She advised that I call XXXX anyway. So, I called XXXX and was informed that my current copy of the report was the same information that was furnished to Goldman Sachs. They said this would be something to dispute with the creditor directly, since my credit report doesn't actually contain any recent derogatory information.
I called Goldman Sachs back and reached another representative. He apologized for the inconvenience and informed me that this is an automatic process, he can not see why beyond the stated reason, and my only recourse is to apply for a limit increase in the future. He said he would note my concern on the account, but that there was nothing he could do.
Goldman Sachs admittedly has no escalation/dispute process for something like this, or they are being elusive in offering it. They assume that their system correctly assigned adverse action, and that if there are any issues I must contact the credit bureau ( the adverse action email says as much ). The only thing that makes sense is that they are using my bankruptcy and the accounts discharged in it, which occurred years prior to my account opening with them, against me now, when they did not choose to use it against me when I applied for an account in the first place. Or perhaps it's an inexplicable system error. I don't know, they can't tell me, and it doesn't make sense. I can provide a copy of the credit report on demand to prove this.
I do not know what rights if any I have to dispute this, but it's literally not an honest business practice to deal with a consumer based on false information and then refuse to investigate its accuracy.
|
| 01/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Original fraudulent charge was on XX/XX/XXXX. I got an immediate notification in real time of the charge. It was from XXXX XXXX for {$1400.00}. I call Apple and Goldman Sachs ( its an AppleCard which goes through GS bank ), they change the card number immediately. While on the phone with them, the fraudster then tried to charge the same thing again, of course it was declined. I feel like it should have been dropped just based on this, but no, it is STILL ongoing 4 months later!
I then contact XXXX XXXX, who direct me to contact my bank XXXX again XXXX, there is nothing they can do on their end apparently. Especially 4 months later now. I don't know why they couldn't just cancel the order and refund me, knowing it was a fraudulent charge. Since then I've talked to XXXX XXXX 3 to 4 times. I've tried to get the IP addresses of where the orders where made from. They informed me they can't provide that information, even though Goldman Sachs has stated on the phone that XXXX XXXX has provided the IP addresses to them. All I know is it was to a football game, the date of the game and the section of the seats. Thats all I have!
Since then I sent them all the 'evidence ' I could find, including my conversation with seat geek, I have also done some digging and found that 95 % of fans in the crowd were cardboard cutouts, I also cross referenced the section and row in question, found a live stream of the game and attached screenshots.. I obviously wasn't there, so they can have fun trying to find me. I've talked to reps from GS for hours now, over the course of the 4 months, as well as convos with XXXX XXXX and Apple.
It has now been disputed 4 times, I have never received the 'evidence ' GS says they have as to why they ruled in favor of the merchant other than a confirmation email. Well of course if the hackers got my CC number, they got my email, they are connected on the same account! So I'm not even sure how I'm supposed to defend myself. I'm not sure what real evidence they could have, as the charge is completely fraudulent, yet they never sent me any explanation. I'm not sure, but there should be laws against this. How can they not provide me what evidence they used in order to rule in favor of XXXX XXXX XXXX merchant )? Oh and the last time I spoke to GS, they said they have the XXXX address of the charge, yet they wouldn't tell me what it is. It's all very shady to me.
The latest dispute was XX/XX/XXXX, and GS ruled in favor of the merchant a few days later.
Now Goldman is telling me there is nothing they can do. I have reached out to Apple, and they now have a rep trying to help me. Thank god, as I don't know hat else I could do. I hope this all makes sense, please call me if you need clarification on anything!
|
| 07/24/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
My Online Savings account with Goldman Sachs Bank USA ( under the brand name Marcus ) was opened on XX/XX/2020. The account was funded on XX/XX/2020. On XX/XX/2020, I found that online banking access was blocked, and I had no access to my money. I was shocked because I never received prior communication ( neither email nor letter ) regarding this block. I did not know when the account got blocked, because I did not use online banking very often to check balance. On XX/XX/2020, I called Marcus Customer Service, I was told that someone from their Specialist Department would call me within 24-48 hours. Nobody called me, and account was still blocked. On XX/XX/2020, I called Marcus Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent put me on hold for half an hour, and she promised that the Specialist Department would call me within 24-48 hours. I insisted that I could hold in line to wait for the Specialist Department to have time to speak with me. I was told that the Specialist Department was busy. Then I offered to make an appointment for their best time for the call, because the Specialist Department already failed to keep the promise. I was denied of such an appointment, and the agent guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account was still blocked. On XX/XX/2020, I called Marcus Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent promised that the Specialist Department would call me within 24-48 hours. I told the agent that the same thing had happened twice before, and the Specialist Department had failed every single time. The agent again guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account was still blocked. On XX/XX/2020, I called Marcus Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent promised that the Specialist Department would call me within 24-48 hours. I told the agent that the same thing had happened twice before, and the Specialist Department had failed every single time. The agent again guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account is still blocked. My account is still blocked, and I still have no access to my money. For the duration of two weeks, I called Goldman Sachs Bank four times, but to no avail. Their Specialist Department never called me, and never unlocked my account.
|
| 01/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I placed an order for a white hoodie on XX/XX/2022 with XXXX. After a few days passed since the order was placed, I did not hear back or get any update, so I reached out to the merchant, who confirmed that my order was getting prepared. I received a shipment confirmation with a FedEx tracking number on XX/XX/2022. On XX/XX/2022, I received the notification that my package was delivered. As I live in an apartment building, I attempted to retrieve my package at the reception where all packages are delivered, but the concierge was unable to find it. After searching everywhere in the apartment building with the help of the staff who work here, I reached back out to XXXX explaining that the package has not been received, even though the tracking number was marked as delivered. I asked them to reach out to FedEx for information that could help to retrieve the order, but the answer I received was " We see that this order has been delivered on XXXX of XXXX. ". Since I was still not able to locate the package and the merchant was completely unhelpful and unprofessional, I opened a dispute via the Apple Card customer service. As far as I am aware, when a dispute is opened, it should be investigated to find out what happened, but this is not the service I have been provided. I've been told conflicting information by representatives about how and why the dispute was processed, XXXX agent told me that the dispute was initially filed as I claimed to have not placed an order? I am able to retrieve most of the correspondence with Apple Card support, and this was definitely not the case. The dispute was resolved in the merchant 's favor numerous times. Every time I reopen the dispute, it is closed with the same outcome without any investigation. I receive the same folder of " correspondence '' from the merchant including my order confirmation and tracking number, which according to this credit card company confirms that the order has been actually delivered? I am not aware of the merchant ever reaching out to XXXX, definitely not when I requested them to, I am also not aware of any claims that have been made, which can only be made by the sender. Based on the documents that I received at least 5 times regarding this matter, I am also not aware of any steps that were taken by Apple Card support or the merchant to file the package as missing through XXXX, so that it can be either found or refunded. The merchant also didn't reship the item. I will not pay for an item that I have not received, especially when all of my timely requests were ignored by the merchant and Apple Card Support. This matter could have been resolved if the merchant would have been willing to cooperate and to do their job as the seller and shipper of this item.
|
| 07/03/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I am a small business recipient of the PPP service. I open this account for purposes of receiving the funds since at the time my bank did not recieve PPP loans ( someone advised me to use Marcus Bank instead of getting the PPP prepaid card ). I recieved my deposit which took almost 2 months for me to recieve which has already caused financial issues for me on top of the pandemic. XX/XX/XXXX recieved my {$7500.00} deposit, same day I sent {$500.00} to my external account which is attached via Plaid to my Marcus Account. Hours later I recieved a call but the call didn't come to my cell phone on file It seemed to have went to my alternative number in which I never gave them. That number is attached to my external account, which I the only reason I knew they called because that number sends me a Email notification. On the call it's stated to me that my account will be closed with no explanation. Of course I was mad and frustrated about this BUT then when I asked how will I get my funds the REAL problem began. I was told that my funds will have to go back to my lender ( same lender It just took me a month in a half to get a resolution with to get my funds ). So I have found YOUR COMPANY IS VIOLATING ITS OWN CONTRACT. Per MARCUS DEPOSIT AGREEMENT *effective XXXX XXXX, YOUR company per section VI.Your Account ( bullet point 9 ) states as follows : -- -- " If your Account has a balance when we close it, we will return the funds to you minus any applicable penalty, unless prohibited by law, by ACH Transfer or wire transfer ( with your authorization ), or by mailing you a check. '' -- -- With this being stated and your company not sending me my funds with either option, I am considering notifying police of theft from your company. Also I have been informed by legal consolation that while you all have my money illegally you are collecting interest illegally. This is also costing me with the government seeing that I have a time frame to apply for forgiveness of my loan In which your company is holding my funds. I called my lender and they stated your company should simply write a check. I was also deceived by your agents who I have recorded saying my account has been closed and from legal consultation they stated this can not be the case because if the account was CLOSED a check for the remaining balance is sent to the account holder. ( Me ) Again you all are violating your own contract costing me emotional and financial distress because of it. I also see that this is an ongoing complaint with your company on the XXXX site wish I had recognized that earlier would have just waited for my PPP debit card. But again you all are violating your own contract that we agreed upon. I need my money rent is due and bills need to be paid
|
| 12/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I went to the XXXX store located at XXXX XXXX XXXX XXXX in XXXX XXXX. I made a purchase using my Apple card. I purchased TWO items under the same transaction. One I took with me. The SECOND one was to be delivered to my home. The total amount for BOTH was {$140.00}.
I never received the shipped item and I am requesting a reimbursement for that unreceived item, it amounts to XXXX plus tax.
I later found out that the clerk at the XXXX store did not type in the correct address when placing my order. I know this because once i got a delivery confirmation email, I immediately called XXXX XXXX and asked what address it was delivered to. The operator read that address to me and that is not the address I gave to the clerk on XX/XX/XXXX. I have my receipt from that day and my address was not printed nor did the clerk read it back to me, I had no way of knowing he got the address wrong. My address was wrong by one digit. XXXX told me I would get a replacement sent out and never did. I was also told a " manager '' would call me and that never happened either.
I filed a transaction dispute with Apple card on XX/XX/XXXX or so and explained this to the rep. but Apple disputed the WHOLE transaction, not just the missing item. I am not disputing the entire thing, I just don't want to pay for the item that was not shipped to me and that I did not receive. I am disputing the XXXX order # XXXX XXXX, REF ID XXXX in the amount of XXXX plus tax.
After about 2 months Apple sent me an email saying my apple card was legitimately used and therefore I am liable for the whole thing or something to that effect. I called Apple right back and asked if I could appeal that decision. Apple asked if I had new proof and I said yes, I do. If you ask XXXX to document what address the missing item was shipped to you will see it's not the address I have on file with you. I only have one address for all purposes. I explained all that the first time around, so I feel like we're going in circles. They told me the only thing they can do is dispute it again BUT again they disputed the WHOLE amount. I don't think they understand the delivery problem or it's not getting transmitted for some reason. Also they don't care to look at my sales receipt. To recap : I know I made the purchase. I am not disputing that nor am I requesting ALL of the money back. I simply want to be reimbursed for the XXXX plus tax item that was not sent to me. Apparently when Apple clerks hit dispute, it only lets them select the whole thing and I don't think it's being investigated properly. IF XXXX is made to show what address this was shipped to, it will not match my billing address on file with Apple Card. I only have one address for all intents and purposes.
|
| 12/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am writing to address my concerns regarding my recent purchase of a bed from XXXX XXXX using my Apple Card. On XX/XX/XXXX, I placed an order for a bed with the order number # XXXX. In order to have the option to return the bed if I was not satisfied, I opted to purchase additional items, bringing my total to {$1800.00}.
However, upon receiving the bed, I was extremely disappointed to find that it did not match the description provided. Specifically, it was advertised as a cooling bed, which was not the case. I promptly contacted XXXX XXXX and Apple Card to discuss the issue and was informed that I could return the bed. However, I was also informed that XXXX XXXX does not arrange for pick-up and suggested that I donate the bed instead.
On XX/XX/XXXX, XXXX XXXX offered me an alternative solution. They proposed that I could keep the mattress and only pay {$380.00}, with the understanding that I would donate it. In an effort to comply with this arrangement, I carefully packed the mattress back into its original box using rope and tape.
However, when I informed XXXX XXXX about the steps I had taken, I was informed that I had violated your policy by not removing the bed from the box and therefore, I would not be able to return it. I strongly believe that this accusation is unfounded and a result of a misinterpretation of my communication. It seems that this may be a recurring issue, as I have come across similar complaints from other customers.
Since XX/XX/XXXX, I have been in constant communication with Apple Card/Goldman Sachs regarding this matter. I have provided hard copies of documents to Goldman Sachs Apple Card through certified mail, and I have sent numerous text messages and emails to Goldman Sachs, expressing my concerns. Despite my efforts, the issue has repeatedly been put into dispute, only to be placed back on my credit card by Goldman Sachs.
Throughout this process, I have not received a single phone call from Apple Cards Services company or any party involved, inquiring about the facts of the situation. I feel trapped in a deceptive game orchestrated by XXXX XXXX, and I am at a loss as to what steps to take next. It is particularly disheartening that Goldman Sachs Apple Card, who I have always regarded highly, has not been of any assistance in resolving this matter. Their lack of support and failure to stand by their customers is truly disappointing.
I kindly request that you address this issue promptly and provide a resolution that is fair and satisfactory. I have always been diligent in ensuring that my credit cards do not accrue interest, and I would appreciate your cooperation in rectifying this situation.
I look forward to your prompt response and a resolution to this matter.
|
| 05/10/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I requested a wire transfer of {$240000.00} from my online saving account ending XXXX in Marcus by Goldman Sachs to my XXXX XXXX checking account in the morning of XX/XX/2023. Their web site says the wire transfer should be processed in the same business day if the request is initiated before XXXX that day. Because I did a wire transfer from the same saving account in Marcus by Goldman Sachs to the same XXXX XXXX checking account on XX/XX/XXXX and the transfer was processed on XX/XX/XXXX, I am expecting this wire transfer should be processed on the same day because the money is wire transferred to the exact same bank and account. But my wire transfer was not processed on XX/XX/XXXX. So, I contacted Marcus in the evening of XX/XX/XXXX and the agent has no idea and submitted an expedited request for me. In the morning of XX/XX/XXXX, a customer representative from Marcus called me and said they need verification of my ownership in another bank to process the transfer and another bank customer service representative is in the conference call already. I answered all the questions from another bank customer service representative in the conference call and they verified my ownership successfully. Then I ask the Marcus representative when my wire transfer will be processed since you already verified, and I need this wire transfer be processed asap. Then she asked me why you are moving this money to XXXX XXXX. This really made me feel not comfortable, but I still told her because XXXX XXXX has better rate and promotion to open an account and that is why I need this wire transfer to be processed asap so that I can meet the promotion deadline. Then she told me she can not tell when, the wire transfer will be approved by another group.
Again, my wire transfer was still not processed by the end of XX/XX/XXXX. So, this morning on XX/XX/XXXX, I contacted Marcus again and the representative told me it is still in process, and they don't know when.
This is ridicules. I chose wire transfer because I think this is the fastest way to transfer money from XXXX bank to another bank. I followed their procedures to initiate the wire transfer and verify my ownership in another bank account, but Marcus seems trying to hold my money and doesn't want to lose my deposit to another bank with no reason. The domestic wire transfer should be completed within 1-3 business days and normally within 24 hours. I already did a wire transfer before from the same account in Marcus By Goldman Sachs to the same account in XXXX XXXX and I even verify my ownership of another bank account with them again and told them to contact me if anything is needed and I just need this wire transfer be processed asap. But still my wire transfer is not processed.
|
| 10/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Dear XXXX, On XX/XX/XXXX, XXXX XXXX, I bought an airplane ticket from kiwi.com for {$540.00} departing from XXXX on XX/XX/XXXX and arriving at XXXX. The ticket confirmation email is attached below.
However, as soon as I received the above confirmation for the ticket, I realized that I accidentally bought the ticket for XX/XX/XXXX instead of XX/XX/XXXX. This happened because the default ticket calendar page that opened on XXXX 's website showed XXXX dates instead of XXXX dates, and because the dates were represented numerically, I made a mistake and purchased for the wrong month.
XXXX 's mobile app and website asked me to call customer support for cancellation or date changes. I called kiwi immediately and explained them the situation. They said that whether I change to a different date or cancel the ticket, they would only refund ~ {$10.00} instead of the {$540.00}, even though it was only couple minutes before that I had purchased the ticket. That would have effectively meant no refund. It turns out, this is a scam kiwi regularly engages in and is well-documented at its XXXX page here : https : //en.wikipedia.org/wiki/Kiwi.com # Controversies So, I told XXXX that I don't accept their offer and that I would dispute the transaction through my own credit card company. This call happened between XXXX and XXXX XXXX on XX/XX/XXXX.
I then proceeded to buy the second ticket with the correct date, which was XX/XX/XXXX, this time for the price of {$560.00} on XX/XX/XXXX, XXXX, immediately after my call with kiwi XXXX The email for the second purchase is attached below.
Afterwards, on XX/XX/XXXX, XXXX ET, I contacted Apple Card via imessage to dispute the transaction for the first ticket.
In summary, the time span between buying the first ticket, contacting kiwi, buying the second ticket, and contacting Apple Card support happened within XXXX minutes.
I have been disputing this transaction since XX/XX/XXXX, which was 6 months ago. Goldman Sachs keeps refusing my request. From my perspective, if Apple Card is not going to protect me in moments like this, then why am I using Apple Card over my XXXX XXXX through Chase, which has protected me during even more difficult situations?
If there is anything else you want from me to finally resolve this dispute in my favor, please let me know. I have spent over {$110000.00} through my Apple Card since XXXX. If XXXX XXXX XXXX not going to honor my request, then please proceed to cancelling my credit card because I do not want to be a customer to a bank I do not trust anymore.
In my opinion, a fair resolution to this complaint would be the refund of {$540.00} and a reprimand of kiwi.com for the unfair situation it puts their customers.
thank you in advance
|
| 05/15/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
Apple Card Apple Case ID XXXX I have never been able to add the Apple Card to Apple Pay. I have been working on the issue with both Apple and Goldman Sachs for months. I was issued the card in XXXX, 2020.
I made over 50 calls to Apple and Goldman Sachs Apple Card. I have multiple chat transcripts showing I have done every single troubleshooting step known.
The case was escalated to the Senior Advisor level at XXXX over two months ago. First, I was working with Senior Advisor, XXXX. As of today, I am working with Senior Advisor, XXXX.
After my initial contact with Senior Advisor, XXXX, she escalated the issue to the Engineering Team back in XXXX. After speaking with Senior Advisor, XXXX today, he advised that the issue is not related to just my account. Other XXXX users are experiencing the same issue ; they are unable to add their Apple Card to Apple Pay via the XXXX XXXX app.
I have also tried order the physical Apple XXXX XXXX twice, at the direction of Apple and Goldman Sachs. When I tried adding the Apple Card to Apple Pay via the physical card process, the same error occurs.
The error simply states, Unexpected Error.
I am able to add other credit cards to Apple Pay.
I upgraded from an XXXX XXXX to an XXXX XXXX recently because I was told it might be a problem with my particular phone.
I get the same error on the XXXX XXXX XXXX XXXX as I did on the XXXX XXXX XXXX XXXX.
Because the Apple Card is linked to my Apple ID, I am able to use it to make Apple purchases which I have done, and paid in full, on the Apple Card. However, I am unable to use the Apple Card at any other merchants.
In order to use the physical Apple Card or the digital Apple Card, the card must be added from the XXXX app to Apply Pay which is where the Unexpected Error occurs. No one at Apple or Goldman Sachs is able to offer a resolution. No one at Apple or Goldman Sachs is able to provide me with my Apple Card number, only visible once the Apple Card is added to Apple Pay.
I would like to obtain my account information so I can make purchases with my Apple Card at other merchants. I take issue with the fact that I can spend thousands of dollars on the Apple Card as long as I purchase Apple Products online. However, I can not use that same card at any other merchants.
I have been waiting since XXXX, XXXX for a resolution. I have over 50 calls logged and at least 20 chat sessions with both Apple and Goldman Sachs. I have erased my phone and started over more times that I can count. I have deleted every card in the XXXX app so many times and checked and rechecked every setting known. At least today, Senior Advisor, XXXX, stated the Apple Engineering Team said it is a known issue but there currently no fix available.
|
| 02/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
XX/XX/23 - Account opened online and {$65000.00} transferred to the account. POA paperwork will be needed for this account and an ( incorrect ) mailing address was provided for that purpose. POA paperwork sent via the USPS.
XX/XX/23 - The next day, online access to the account is " temporarily locked '' - i.e., no access to the {$65000.00} in the account.
XX/XX/23 - Called customer service to unlock account. They respond that it will not be possible until POA paperwork is received. I am asked to wait longer.
XX/XX/23 - Account remains locked. Again, I call customer service and am told to continue waiting. The account can not be unlocked until the POA paperwork is received.
XX/XX/23 - Account remains locked. Again, I call customer service and am told to continue waiting.
XX/XX/23 - Account remains locked ( now a full 3 weeks since the POA paperwork was submitted ). " XXXX '' in customer service now tells me that the address I was given to submit the POA paperwork was incorrect. She's " sorry '' and " it can take weeks for the paperwork to find its way to the correct location ''. I request and am given the correct mailing address for the POA paperwork.
XX/XX/23 - Account remains locked and no funds are accessible. POA paperwork is resubmitted to the correct address ( XXXX XXXX XXXX XXXX, PA XXXX ). Mail is sent certified this time.
XX/XX/23 - POA paperwork is received and signed for by a representative of Goldman Sachs at XXXX XXXX
XX/XX/23 - Account remains locked and no funds are accessible. Again, customer service is called. The initial representative is no help as she recounts the correct mailing address, etc. I ask to speak to a supervisor.
I speak to " XXXX ''. She tells me ( after a lengthy hold ) that Goldman Sachs does not have the POA paperwork yet- this despite my going over the contradictory information, tracking number of the mail, date delivered. At first I am told that it can take 2-3 business days for them to process the paperwork ; however, when I point out that it has now been 3 days that the paperwork has been in their hands, I am again told that this can take " weeks ''.
I ask to speak to her supervisor and am told there is NO ONE over her who will talk to me on the phone.
I ask to submit an escalation and receive a return call from someone who can help me get the account unlocked. She agrees to submit the escalation request, but she reminds me that it will only be a supervisor " like her '' who calls me back and they " won't be able to help me either ''.
I ask XXXX to put it in the notes that I intend to file a complaint with CFPB as these " locked '' funds will be needed to pay bills next week and if that does not occur, penalties and/or other harm will occur.
|
| 11/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
This complaint involves my XXXX XXXX credit card with Marcus by Goldman Sachs. ( XXXX ) My credit score typically varies between XXXX and XXXX. That means that I take paying my bills on time very seriously.
My bank is XXXX XXXX XXXX XXXX, and it contracts with XXXX to service its members online bill payments.
All of my payments to XXXX, when {$470.00} or less, per my online bankings website, shows that theyve been made electronically. I confirmed this with XXXX, i.e., all but one payment have been made via electronic check. The one payment that was made via actual check was a payment in the amount of {$780.00}. Per XXXX, because this amount was over some unknown limit allowed by XXXX, they had to mail a physical check to XXXX. XXXX notates for customers on their online banking page with an icon next to the payment, showing whether payment was made via check ( paper, via mail ), or electronically.
Its worth nothing that this limit amount only applies to XXXX. Another of my credit cards, a XXXX XXXX XXXX, has received payments from me as high as {$7700.00}, and they show that they were paid electronically.
The {$780.00} payment to XXXX was due on XXXX XXXX, XXXX ( I actually only owed {$770.00}, but elected to slightly over-pay ), so when I set up the payment through my online banking with XXXX, I chose a payment date of XXXX XXXX in case it took longer than 2 days for XXXX to process the payment. However, because I didnt know XXXX was going to require a physical check ( since I dont know the mystery limit amount ), it took much longer than expected for the check to be processed. XXXX says they mailed the check out on XXXX XXXX. However, XXXX didnt actually credit my account for the {$780.00} until XXXX XXXX. This meant that the payment was late and I was charged a late fee and had to pay interest on the balance. They were kind enough to reverse the late fee when I called, but only after I asked to speak to a supervisor. However, the even bigger issue to me that a payment has now been made late can not be changed.
Wanting to make sure this never happens again, I need to find out what dollar amount is the limit upon which XXXX requires the payment be made via check, and I have never been able to get an answer. I have asked to speak to supervisor after supervisor, and no one can answer this question. In fact, today ( XXXX XXXX ), after waiting a week for a callback, I spoke with supervisor XXXX, and I was told that XXXX accepts NO electronic payments and that ALL payments are made via actual checks through the mail. That was it for me. I informed XXXX that I was going to file this complaint with CFPB, and I hoped that he was comfortable with what he had told me, and he assured me that he was.
|
| 06/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, MD XXXX Inaccurate information reported XXXX Inquired on XX/XX/XXXX Business XXXX : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, GA XXXX Inaccurate information reported GS BANK Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information XXXX XXXX XXXX NA Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inaccurate information reported I the consumer contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX XXXX who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm.
I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the banks function as well the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B.
I the consumer would appreciate your help in Resolving this matter and removing this inaccurate information within 15 days required the law. Please never ever report this inaccurate information on my report ever again.
Thank you for your help and assistance.
Sincerely, XXXX XXXX XXXX XXXX XXXX
|
| 03/13/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
To whom it may concern : ( Regarding : Goldman Sachs Apple Pay scam ) Dear Sir/Madam : I have an Apple Pay account which is custodially managed by Goldman Sachs.
As of today XX/XX/2021, my official and current balance for my Apple pay account is exactly {$.00}.
Today XX/XX/2021 XXXX I saw a payment from my bank checking account toward my Apple pay account for {$1200.00} which I did not authorized.
I used the Apple Pay app to Report a problem with todays {$1200.00} payment which connected me via Chat to a rep that might have been oversees.
The representative was not helpful ; the individual didnt notice or didnt care my balance was only {$.00} which I pay monthly for Apple XXXX storage. The individual didnt notice not only was this transaction attempting to remove {$1200.00} from my bank checking account but it also simultaneously gave me a false balance on my Apple pay account of owing the same {$1200.00} to Apple. Which basically Goldman Sachs is attempting to fraudulently steal {$2500.00} from me.
The individual only help was that I must have signed up for automatic payments ( which I did not, I had removed automatic payment, but Goldman Sachs erroneously reinstated it. ) then the individual provided a paragraph of legal language and asked me to agree to it so he/she can remove the transaction. I told the individual via chat I agree Goldman Sachs is fraudulently attempting to remove {$1200.00} from my bank account while simultaneously giving me a balance of {$1200.00} on my Apple pay account. The individual refused addressing the issue and only repeated he/she only wanted to confirm I Agree which I did not confirm. I only repeated what I previously stated. I agree Goldman Sachs is fraudulently attempting to remove {$1200.00} from my bank account while simultaneously giving me an erroneous balance of {$1200.00} on my Apple pay account.
The individual continued to insist that I agree at which point I decided to not response anymore.
The cause of this issue is Goldman Sachs makes it extremely difficult for consumers to pay off their Apple Pay debts quickly. The payment structure attempts to tie consumers to automatic recurring payments and does not allow consumers to make one-time/one-off payments. Without the recurring payments it obviously prevents Goldman from collecting massive interests if consumer defaults or have some other issue. Please help STOP this Scam from Goldman Sachs against consumers. I am now unable to pay my {$.00} cent balance because their system is saying I paid {$1200.00} so by the time this is fixed I would have not been allowed to pay my real balance of {$.00} cent and this will effectively put me in default which they will then have their way in sabotaging my credit.
|
| 05/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
My Apple Credit card by Goldman Sachs was restricted because I was having some trouble financially and I accidentally went over my credit limit.
I paid the balance in full on XX/XX/2022. I originally reached out to customer service after paying this to ask about my restriction being removed and was told a review would be completed by XX/XX/2022. I heard nothing back from the company on this date and after the balance was paid in full I still was still charged {$24.00} in interest on my monthly statement for XX/XX/2022 when my balance was at {$0.00}.
I paid the {$24.00} In interest even though I wasnt supposed to be charged interest.
I contacted the company on XX/XX/2022 to ask about the restriction being removed and was told my account is still under review and they were working diligently to remove the restriction.
I understand these things can take awhile so I waited patiently for another month without hearing anything back from the company.
I reached out to customer service again on XX/XX/2022 to ask about the status of the restriction being removed. I got the same response as I did back on XX/XX/2022 Someone will contact you shortly Another month went by and I didnt hear anything so I contact the company again on XX/XX/2022. I got the same response the case has been escalated and we will work on removing your restriction At this point it has been XXXX full months that I paid off my card and had a {$0.00} balance and I need to get the restriction removed so I can use the credit card to book a car rental for a wedding because the car rental agencies do not accept debit cards for rentals.
I called XX/XX/2022 - case is escalated and I will be contacted in 24-48 hours.
Contacted them again XX/XX/2022 - Once I speak with a supervisor my account will be restored they gave me another XXXX hour window.
Contacted customer service on XX/XX/2022 - Said wait by my phone I will be getting a call from supervisor in XXXX - XXXX minutes. XXXX hours later I havent received a call so I called back. Manager answered the phone and said there is no time frame but they will escalate my case.
Contacted XX/XX/2022 - same response my case is escalated and I will receive a call back in XXXX - XXXX hours.
Contacted XX/XX/2022 - Said they are working on removing my restriction today and will contact me back shortly.
I still have gotten absolutely no response from Goldman Sachs and it seems like every time I contact them I get the same response acting like this is the first time Ive called them with this issue.
They wont provide me any information other than we cant give any information but you will be contacted soon It seems like I just keep getting lied to by customer service every time I call.
|
| 06/30/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
There was a lock on my Apple Card on XX/XX/2023. After using support text with the product, I was informed, " I can see that the account is under review at this time. Occasionally we will put accounts under review for the safety and security of our users. While I can not give an exact time frame for when this review is complete, we will contact you as soon as possible with any updates or if we need additional information. '' Next day there was also a lock on my Apple savings account, which I was told was a system generated lock since the card was locked.
On XX/XX/XXXX I had logged a complaint with a supervisor who told me it would take up to XXXX business days for a superior to get back to me with more information.
Several attempts both by phone and text support were attempted with a XX/XX/2023 response : " Your account is currently under review. For security purposes we are not provided any information regarding your account review. Once the review has been completed, we will contact you back with further information. If we are unable to reach you, a voicemail with call back information will be left. '' Additionally, " I'm not given information as to why it happened, I do know that the turn around time is based on a case by case basis. '' Days later I was able to have Goldman Sachs unlocked the credit card by answering some simple questions, and was told that there a declined charge and they attempted to contact me even though I verified the charge was correct when notified via the Apple XXXX messaging. I was able now to use the card and since I was told by the savings account XXXX that they could not unlock the savings account until the review by the credit card product was completed, I asked to speak to them to proceed with the unlock. I was notified by the savings account XXXX that there was indeed still a review on my credit card product irrespective of the ability to now use the card without any lock. They informed me that they were not able to unlock the savings account due to that department 's continual review.
From the aforementioned complained I filed on XX/XX/2023, today is XX/XX/2023 - XXXX business days later and no communication from Goldman Sachs regarding this matter. I was advised today to file another complaint to the same department which failed to return communication within their promised XXXX business days. I was told by a supervisor in the fraud department for the credit card product that that is the best which they can do to contact any superiors for escalation.
Since XX/XX/2023 I am still unable to access funds in my savings account now for over 16 days - and with no recourse to rectify the situation.
Any help would be greatly appreciated!
Best, XXXX XXXX
|
| 05/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
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I closed my AppleCard that is issued by Goldman Sachs because Apole is denying me access to manage my account. I was locked out of my Appleid account when my ex-husband set up a recovery code and changed the 2-step verification phone number on my account without my knowledge of permission. This happened in XXXX of 2022 but he has been logged in and monitoring my activities for much longer, once again, without my knowledge or permission. He has since been impersonating me ( digitally ) and apple refuses to shut the account down. I have called them numerous times to try to resolve the issue but they always treat me like I am the criminal/identity thief. I still had the physical card and had to use it all the way to the credit limit because my ex has been financially abusive towards me. Apple let me make every charge in that card but will not give me access to make payments. That appleid had my entire life on it including years of photos of me and our XXXX kids. He knows everything about me such as social security number and all other information that identifies me. This knowledge, along with the photos, has granted him access to take over my entire life. I can not even get rental assistance because I believe he is also receiving this in my name. I am struggling immensely due to this and they refuse to help me. I did not want to close the card because I knew my credit would take a huge it but finally I broke down and clised it even though there is a {$2000.00} balance. Apple customer support assured me I this would completely shut the account ( the card, not the appleid ) down and I would then be able to set it up with my new appleid. I was not able to do this. It still said I have another account when I tried. I was then told I would not be able to so that until it is paid off and maybe not even then if I am niot approved due to a low credit score. This has been a complete nightmare for me. I do not understand how the credit card can not be untied from the stolen appleid. It is the same as if a physical credit card was stolen and all other credt card companies will immediately shut down a stolen credit card. Actually it is much worse because this account verifies my identity for any other online account. It is impossible that Apple does not realize how devastating this is so I feel they just so not care what happens to a single mother who is struggling simply because I have a measly little {$2000.00} credit limit. I am simply not worth their time. My time, on the other hand, is consumed by this. Time that I was unable to spend with my children as they are growing older. Time that I was unable to find and maintain work. Time that I will never get back. I just need a little help. Please.
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| 03/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I have an Apple credit card by Goldman Sachs. I purchased some items for XXXX that I subsequently returned. The refunds were for XXXX and XXXX and were processed ( hit my credit card account according to statement ) on XX/XX/2022 and XX/XX/2022. I bought an XXXX XXXX sometime last year and decided to pay it on installment basis, with 0 % financing. The outstanding installment balance is {$870.00}. I always prepaid any and all balances in my account before they are due.
I had also filed a dispute as I had made a purchase in XXXX that the vendor had not delivered by middle of XXXX, so after hours of calls, I asked Goldman to dispute it. That's another {$3200.00} dollars, so technically, I have over 9,300 dollar credit ( i.e., Goldman owes me ) balance in my credit card. After more than 1 month, they still have not resolved that dispute. When I went to make a purchase and it was denied, it is when this whole situation unraveled, as the 3,200 conditional credit issued was reducing my spending limit, even though, and ignoring that conditional credit, I had over {$6000.00} balance owed to me.
Goldman Sachs refused to wire me the outstanding balances in my favor, when I asked that they be returned immediately. Initially they told me they would send me the balance less the installment credit balance, which they will use to repay the installment loan on a monthly basis as it becomes due. That amounts to cash collateralizing the installment loan for no reason, with the pernicious consequence that the installment balance at the same time affects the credit balance in the account as well as my own credit score since the debt would show as outstanding. They told me they can do all of that, with any cash balances in my favor, per policy and bank regulations. I told them they didn't have the right to withhold my money, they didn't have the right to cash collateralized the installment loan and that I wanted to close out my credit card and get my money back. They told me a ) somebody would get back to me within 10 business days to answer my complaint, and b ) they would have to evaluate my account since I want to close it and would decide after several months what they would do, which didn't answer when I would get my money.
I also challenged them to adjust my spending limit by the cash balance in my favor, so that I could make the purchase, to which their answer was " we can't do that '', and you have to use another credit card, i.e., take your business elsewhere.
Well, this is exactly what I am doing, I purchased the item on my Platinum card and I hope you help me get my money from Goldman, but more importantly, curve this outrageous behavior. They should be paying me interest on my balance!
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| 08/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I purchased an XXXX XXXX with XXXX XXXX via XXXX for store pickup using my Apple Card issued by Goldman Sachs. I realized immediately upon receiving confirmation email that I ordered the wrong model. I cancelled the transaction and placed a subsequent order for the right model. I then proceeded to pick up correct model but noticed that my transaction for the first order was never reversed from my card. The total amount was {$190.00}. I disputed the transaction on XX/XX/XXXX ( XXXX ) when I thought was a reasonable time for the refund to occur. You can reference the XXXX with the order details and my email and see that they state the order was cancelled. Apple representatives said it was not an issue on their side but revert back to Apple Card Support. I received word on XX/XX/XXXX that the transaction was not resolved in my favor. I again attempted to resolve through several calls both with Apple directly as well as with Apple Card Support aka Goldman Sachs. The dispute was reopened on the XXXX of XXXX ( XXXX ). I followed up several times via chat and phone again only to be notified on XX/XX/XXXX that the transaction was not resolved in my favor despite providing all the documentation with screen shots of the website proving I never received the order. I again, reopened a dispute ( XXXX ) and talked for hours to their customer support. They confirmed it all sounded logical and assured me that it would be taken care of this time. On XX/XX/XXXX I received word of a split decision and they found I somehow still owed {$120.00} due to the fact they had credited me for the XXXX XXXX for {$31.00}. I again opened a dispute ( XXXX ) but had already cancelled the card ( which I was worried would impact my credit rating ). Regardless, I decided this was not representative of the brand promise of Apple nor a company I would like to work with. I wish the story ended her but again after providing again the documentation of screen shots ( all via email ), on XX/XX/XXXX I received a notice from Apple Card Support that they reached a split decision and they claimed I already received credit from the merchant for the amount of {$31.00}. At the end of the day, I did not have to pay for the full amount of the order but I was out of pocket for some of it despite never receiving the item and only through my persistence. In addition, I was out a lot of pain and suffering due to the number of calls and aggravation. It was one of the worst customer experiences I have ever had and it was a clear cut case. I cant even imagine what it would be like in a real fraudulent case and would fear for any consumer who has to work with them. Therefore, I share my experience in hopes it can help others.
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| 05/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
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I tried to get an Apple Card online -- I experienced nothing but frustration, and this has been 4 days of trying. The issuer is Goldman Sachs and the Sponsor is XXXX. The system is designed poorly, and the customer service is much, much worse -- I know because I have been a consumer protection lawyer for decades and have owned and run payment processing companies.
I encountered a problem because my credit freeze was not lifted the first time applied. So I lifted the freeze and XXXX did not implement timely. So a second fail occurred. I waited a couple of days and was assured that the freeze was lifted. I applied a third time, now that the freeze was lifted, but the processor denied my application for too many tries.
I called customer service -- an agency working for Goldman and XXXX. They said their policy was strict -- I would have to wait 30 days and reapply. I asked why? No answer -- just " policy ''. I asked to speak to representative of the issuer ( Goldman Sachs ) -- they discouraged this but I insisted. It took 76 minutes to connect with Goldman Sachs! Same response our policy is a 30 day wait. I made the observation that they were not providing a " service '' to high credit XXXX individuals like me that were denied because of their system difficulties. There are other way to authenticate other than try two times and they are done for 30 days. They are not staffing customer support, they are giving lame excuses for a 30 day delay -- the industry standard is one day -- and they have cost me time and money. I was looking to buy XXXX products to make advantage of the discount, but my efforts have been frustrated and delayed by their system architecture, bad and non-sensical policies, and terrible staffing of customer service at the issuer.
I was told after speaking to XXXX at Goldman Sachs that a supervisor would call me. No one followed up.
I was told that I needed to use XXXX if I wanted to lift my credit freeze. That is not my understanding as all three credit bureaus are to work in unison and XXXX or Goldman imposing their choice of a credit bureau on me is overstepping. Nonetheless I tried to enroll in XXXX -- predictably they wanted a monthly fee. Their customer service said that once I was denied they would have to delete my profile and start again. It was adding insult to injury.
Goldman is new to card issuing -- they have no business performing this service for XXXX if they cant design a consumer facing platform that applies a consumer friendly design. What sense does it make to freeze the application of a consumer that has good credit for 30 days?
The bureau should have them justify their poor customer service staffing, and their nonsensical policies.
|
| 02/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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Company states the following : Apple Card Customer : XXXX XXXX XXXX, XXXX We reviewed your credit limit increase request.
Goldman Sachs Bank USA could not approve your request for a credit limit increase because : Your monthly debt obligations are high relative to the income you reported on your application - examples of debt may include credit cards, loans or monthly housing payments ( how so? ) Goldman Sachs Bank USA received your credit score from XXXX XXXX XXXX. ( X ) Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.
Your credit score ( XXXX XXXX Score XXXX ) as of XXXX XXXX, 2023 : XXXX ( Abuse of My Reports Contingent upon " Income Stated '' - 2nd attempt this month for XXXX XXXX XXXX ( Also Incorrect ) Credit scores range from a low of XXXX to a high of XXXX.
Goldman Sachs Bank USA does not make credit decisions on the basis of race, color, religion, national origin, sex, sexual orientation, gender identity or expression, marital status, age, or military status, among others. We also do not consider your assets in checking, savings, or investment accounts unless you were asked to provide this information during your Apple Card application.
Learn more about how your Apple Card credit limit was determined Your credit line increase request did not result in a hard inquiry on your credit report.
Key factors that adversely affected your XXXX XXXX Score XXXX : Length of time accounts have been established Lack of recent installment loan information Too many inquiries last 12 months No recent bank/national revolving balances If you have any questions regarding your credit score, you should contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX This decision was based in whole or in part on a report from the consumer reporting bureau ( s ) listed below. The bureaus themselves played no part in making this decision and are unable to supply specific reasons why your credit request has been denied.
You have a right under the Fair Credit Reporting Act to know the information contained in your credit file. You also have a right to a free copy of your report from the reporting bureau ( s ), if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report ( s ) you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting bureau ( s ).
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Company will also not lower APR ( I have many cards, which have been paid on time every month in full for over 5 years )
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| 04/19/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I do not consent to being contacted through anything but certified mail. If I receive any response other than certified mail rebutting all of the points made thus far, GOLDMAN SACHS BANK is knowingly and intentionally violating me under federal law. Every violation will result in a fine. I sent a CEASE AND DESIST Notice on XX/XX/23 and I am still being contacted.
According to USC 1692 ( C ) ( a ) : Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
I never gave intended permission to GOLDMAN SACHS BANK or ANY third-party affiliate to contact me.
USC 1692 ( C ) 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
A debt collector who fails to comply with any provision of the FDCPA is liable for : Any actual damages sustained as a result of that failure ; Punitive damages as allowed by the court : in an individual action, up to {$1000.00} ; or in a class action, up to {$1000.00} for each named plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or 1 percent of the debt collectors net worth, whichever is less ; Costs and a reasonable attorneys fee in any such action.
GOLDMAN SACHS BANK has still not provided me with ALL of the information listed below.
The identity of the original creditor.
The amount of the alleged debt.
The name and address of the original creditor, if different from the current creditor.
The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural person ), and GOLDMAN SACHS BANK, proving I agreed to pay the alleged amount knowingly and intentionally in wet ink.
A GAAP accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt.
Proof of compliance with the truth in lending laws of the United States XXXX, title XXXX XXXX XXXX et. seq. and XXXX XXXX.
It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act, and it is your obligation to supply me with the aforementioned materials.
|
| 05/02/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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This XXXX bank is being run by XXXX XXXX XXXX
They reversed an ACH transaction initiated from an external bank without any rhyme or reason and that days after it was completed. I know the person that will respond to this complaint will flat out lie about this, so I am letting you know that I have a 2.5 hour recorded call where a supervisor XXXX and XXXX who both admitted that this transaction should not have been reversed. In fact, I had another transfer of XXXX from the same bank and done on the same day that these XXXX didnt even bother to touch.
This is just the beginning of the XXXX and lies told by these XXXX. That supervisor filed 2 complaints for me and told me that some one would reach out to me within 5 to 10 business days. Both those complaints went into a black hole and non one contacted me.
XXXX Complaint against XXXX XXXX XXXX who wont even tell me the reason for the reversal, just kept asking me to try again like an XXXX - XXXX XXXX Case for Reimburse XXXX After patiently waiting for weeks, I called again and was told that both these cases were closed and they dont know why and by whom.
I asked XXXX to open another case - XXXX Then I get a XXXX voice mail from someone called XXXX on XXXX asking me to call their customer service. And then this cycle of XXXX starts again. Their supervisor XXXX now comes up with another lie out of thin air that the account that was transferred from was not " verified ''. That is a flat out lie as I had multiple transactions with the same bank and same account in the past. And in the previous call on XXXX both XXXX and XXXX had confirmed that this account was already full verified and this ACH should not have been reversed. But like usual with XXXX, they will keep repeating the same lies till the customer gives up in frustration. Like this wasnt bad enough, this supervisor XXXX then just proceeds to disconnect the call.
To the person who is responding to this complaint, I have fully read the account agreement, it doesnt allow you to reverse XXXX transactions for your own incompetence. And before you even try to say that this was for my security, I will advise you that I have a recorded call where 2 of your agents confirmed that this account was already fully verified and admitted that this transaction should not have been reversed. On top of that, I had proactively called your bank 2 days before the transfer to inform you that I have initiated these 2 transfers from my external bank. And if that isnt enough for you, XXXX allowed a XXXX transaction from the same bank, account date and time. So you dont have a leg to stand on. If you lie about anything related to this complaint, I will drag you into arbitration.
|
| 12/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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|
Web |
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After losing my father, business, and home, I am trying to put the pieces of my life back together. I fell behind on my XXXX account for XXXX, but I tried my best to keep the company informed and worked to find a satisfactory solution so that my account will remain in good standing.
In XX/XX/XXXX agreed to a payment arrangement after speaking with a collection specialist. Unfortunately, XXXX was misleading and they did not clearly and fully disclose all information about the offer and terms.
One key piece of information missing is that XXXX will report to the credit Bureau that you have not made any payments. This is extremely important because even if you are making payments, your credit score will continue to lower month after month. XXXX representatives try to associate that with the account being in good standing and refer you to those terms, but this is completely different.
I paid XXXX, XXXX, and XXXX ( which I later filed for chargeback ) and XXXX continued to report I made {$0.00} payments which showed my account in extreme default at the credit bureau.
My billing statements were not accurate and up to date to reflect the new agreement that they presented. I continued to receive text messages and communication about missing my payments, Customer care specialists insisted they were obligated to their system information and no updates were made so the harassment continued.
XXXX did not provide advanced notice of changes to my account. This was extremely hurtful because they changed my account credit limit from {$7000.00} to {$700.00} and reported that change to the credit Bureau to include a balance of {$7000.00}. My credit score plummeted because of this change. I was in the final stage of getting a loan that was saving my home, but upon final submission, XXXX XXXX declined me because of XXXX misinformation. I called XXXX literally crying and begging them to correct this error, but it was not done in a timely manner and I lost my home.
XXXX send me communication anywhere between XXXX XXXX and XXXX XXXX. I can't sleep, and I can't get this company out of my mind, I am angry, disappointed, and feel cheated by this company. In XXXX I spent over {$27000.00} with its card and paid every cent back. XXXX has been the worst year of my life, I have nothing to my name and I am fed up with XXXX constantly harassing me, lying to me cheating me out when I have done everything in my power to pay them back. I filed for chargebacks on the payments I made to them after I discovered they continued to report no payments were made by my side. I will not pay this company a cent unless they are transparent and clear and enforce the rules that protect me as a consumer.
|
| 06/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XX/XX/2020 I was flying alone ( I'm a single mom ) with my XXXX children. During a layover in an airport, I realized I had inadvertently checked my wallet in my luggage. I had no access to money because all of my credit cards and cash were in my wallet ( checked in my luggage ).
My children hadn't eaten and wouldn't be able to eat for many hours until we got to our final destination and I retrieved my checked luggage. As a last resort, I applied for an apple card administered through Goldman Sachs so I could use Apple Pay at a restaurant to feed my children.
The application took no longer than 5 minutes. I never consented to online paperless statement delivery and they never verified my email address. I promptly forgot that I even opened this card and since it was not a part of my financial picture, I never thought to go looking for a statement.
They arbitrarily ( without my consent or approval ) sent the statement to the email address associated with my XXXX XXXX. I never check this email because the only use is for XXXX XXXX login functionality. They ONLY sent statements and past due notices to this email address. They never mailed me a statement. By the time they contacted me by phone, the account was already 36 days past due at which time I paid it immediately on XX/XX/XXXX ( 6 days past the 30 day mark ). At this time, I explained that I never got any statements and asked the clerk to whom I gave payment to please not report negatively to my credit. She stated that she didn't think it would negatively impact my credit since it was only 6 days.
Yet Goldman Sachs reported a {$14.00} past due payment to XXXX, severely compromising my otherwise perfect credit score.
I opened a dispute with XXXX - at the completion of which Goldman Sachs informed me that the past due was reported correctly.
I was not disputing that it was reported incorrectly but that it was reported UNFAIRLY. And that under the circumstances of me not receiving the statements or having any say in how they were delivered, they should consider the whole picture and remove the negative reporting.
I then wrote a letter to Goldman Sachs and explained the situation again, in writing and asked them to remove the reporting. They wrote back saying that the report was issued correctly.
I then had an attorney write a letter. To which they responded that the report was issued correctly.
This is the first negative I've had on my credit in more than a decade. I am now having difficulty getting a mortgage because of a 6 day past 30 days late payment of {$14.00} and I have been able to get Goldman Sachs to pay attention to the circumstances.
This is the epitome of UNFAIR credit reporting.
|
| 03/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Regarding my Apple Card thru Goldman Sachs Bank USA.
Transaction date : XX/XX/XXXX Merchant : XXXX Disputed amount : {$960.00} Disputed reason : Item not received Dispute closed more than 5 times as " The merchant provided sufficient evidence that you made the purchase '' I have purchased from XXXX during the Covid period. I live in an apartment.
The shipping company was not able to enter the apartment complex during COVID time so they have dropped the product near one of the apartment entrances ( as per the driver of the shipping company ).
I tried looking for the product everywhere but unable to find it. I contacted XXXX but they were not able to trace so they told me to contact the shipping company. Shipping company after investigation mentioned package is untraceable.
I contacted XXXX again for help. They mentioned filing a Police complaint and then contact my credit card to raise a claim. Police have closed the case as untraceable.
I contacted Apple to file a claim and got the claim filed as well.
After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' I have never ever told that I did not make the purchase, I made the purchase but never received the product so contacted Apple again. The supervisor acknowledged there is a mistake and then reopened the case.
Again, After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' Spoke to a manager and she acknowledged there is a mistake and then reopened the case.
Again, After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' Spoke to a senior manager and she acknowledged there is a mistake and then reopened the case.
Again, After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' Repeated many times. As of XX/XX/XXXX, I received a email with the same response " The merchant provided sufficient evidence that you made the purchase '' The case has been open for around 9 months now with no answers.
Apple Card thru Goldman Sachs Bank USA is a very good card until you have a problem. Once you have a problem, you will be left alone.
They did not contact me for any evidence or proof and take decisions all alone. Apple card disputes team do not work well and customer service members are unable to resolve.
As I read online, 3 months was the deadline for a dispute to be resolved as per Federal law but my case has been going on for 9 months and the Apple card representative acknowledges that there is a mistake.
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
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The summary of this complaint is about the troubling experience that I am having with the Goldman Sachs administered Apple credit card. It raises questions about systemic problems about Goldman Sachs account management practices, which are negatively impacting consumers like me. On XX/XX/2023, Goldman Sachs restricted me from making any purchases on my Apple credit card. There was no notification via email, text message, call or mail to let me know that has occurred. The only reason why I became aware of the situation was when I tried to use my Goldman Sachs administered Apple credit card to make a purchase. Based on my online searches, there are many people over the years who have run into similar situations, where Goldman Sachs essentially froze their Apple credit card and where it failed to provide any notification via email, text message, call or mail. Once I became aware of this issue, I contacted Goldman Sachs on XX/XX/2023, to find out what is going on. They stated that it was due to some security issue but that they could not provide me any information for security reasons. Such as what caused the issue or how long it would take to solve the issue. Over the past couple of weeks, I reached out to Goldman Sachs to find out what is going. According to my web searches, there are many others who have had the same experience. In all my years, I have never come across a company as incompetent as Goldman Sachs, in terms of their lack of transparency that they say is in the name of security. One of my XXXX devices was financed on a monthly basis that I put on the Goldman Sachs administered Apple credit card, not knowing of their reputation with such issues until my recent web searches to see if others have had the same type of issue. The response of Goldman Sachs is that they stated in the contract that it is essentially their right to freeze accounts indefinitely and that they are not required to provide me transparency. This is in violation of US Federal, State of XXXX XXXX ( where Goldman Sachs is based ) and State of XXXX ( where I am based ) consumer protection regulations. Goldman Sachs has failed to provide proper notice and it makes me wonder whether this is perhaps in retaliation for an application of refund for a XXXX XXXX that was less than {$12.00}, which I requested back in XX/XX/2023. Due to their lack of transparency and proper notice unlike other credit card companies, it is hard to know what is going on with the company and whether things have gotten out of control with the way they run their credit card business. As an Apple customer and shareholder, it is troubling to see what is going one with the Apple credit card under Goldman Sachs.
|
| 12/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
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On XX/XX/XXXX, the balance of XXXX transactions on my Apple Card, managed by Goldman Sachs, was to be fully paid and settled. XXXX XXXXXXXX, the bank in charge of my checking account, failed to send a payment claiming insufficient funds. However, there were sufficient funds to cover the transaction. I immediatly tried to send an additional payment through the apple card app, but it would not allow it, until the transaction was fully rejected. Thus, I was charged interest on the XXXX and XXXX transactions, as per the terms and conditions. I complaint to both XXXX XXXXXXXX and Goldman Sachs as this was outside of my control, and I immediatly had posted pay as soon as the Apple Card app allowed it on XX/XX/XXXX. Goldman Sachs credited only {$25.00} of the {$120.00} charged. As per terms and conditions, I reinstated authorization of automatic full monthly balance payments. The terms state that by the next due date ( XX/XX/XXXX ) as long as the XXXX balance, along with the declined payment of XXXX ( due XX/XX/XXXX ) and the interest charges were paid, the grace period would be reinstated. This time, the Apple Card app, failed to cover the monthly balance including the interest charge as authorized by me, the user. Interest was charged again for the amount of {$80.00}. By XX/XX/XXXX, I paid fully the XXXX balance, plus the interests, which were still in dispute. I had opened several cases and had several calls and text conversations with Goldman Sachs customer service department. Including high level supervisors, which claim they are clueless as to why I am being charged, but that they refuse to credit the account. On XX/XX/XXXX, interest was charged again on the amount of {$38.00}. As per terms and conditions, once all monthly balances and interest are paid in full by due date, grace period is reinstated for the running month. As a user, I fulfilled all responsibilties of authorizing the application for full monthly balances on due date, which include all corresponding interest charges for each period. Both XXXX XXXXXXXX and Goldman Sachs have been negligent in their responsibilities to fulfill and settle transactions on my behalf, as formally authorized via their respective digital platforms. I was held unfairly, and perhaps fradulently ( at least for the last charge ), accountible for these errors and charged interest for which I expect full credit on my account. In conclusion, Goldman Sachs is violating their own terms and conditions, for interest charges posted on XX/XX/XXXX and XX/XX/XXXX, as I have abide by the rules of payment authorization and settlement of full monthly balances by their respective due dates. Yet grace periods are not being honored.
|
| 12/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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On XX/XX/XXXX of 2022 two checks coming from XXXX title and escrow were cashed by Goldman Sachs. One of them had been sent to the wrong address and was canceled by the XXXX title and escrow bank and the other one was free to be cleared. Somehow Goldman Sachs got a hold of both checks and cashed it on XX/XX/XXXX of 2022. After the checks cleared, I called Goldman Sachs and asked if the positive balance left on the account after the payment could be used and I was advised that it could be used and I went ahead and used the balance. On XX/XX/2022 my account had been deducted both checks, when I called, I was advised that something went wrong with the checks and that it had been sent back to the XXXXXXXX XXXX XXXX XXXX XXXX to this day XXXX XXXX XXXX XXXX have not received the refund. I have asked for proof from Goldman Sachs that the funds had been returned. I have spent countless amount of hours on the phone with Goldman Sachs racing disputes and complaints. That just circle back to nothing. I keep getting the same email about the money being returned by the title bank on XX/XX/XXXX. I have been calling Goldman Sachs almost every day for the past two months and nothing is resolved I get told that its been sent back and then Im told that theyre not sending anything back because the checks had no funds but if the checks had no funds how could they have sent something back. XXXXXXXX XXXX XXXX XXXX representative. XXXX called with me to Goldman Sachs asking for proof that a payment was issued as refund and a representative on XX/XX/XXXX of 2022. advised that there was an error on their part and that even though they said a refund was sent there was no proof because nothing was sent and they were gon na issue a check immediately but nothing was sent. These are calls that Goldman Sachs has recorded and they can check. I have been going back-and-forth with them for two months everyone tells me something different. They are stealing my money, and I have a huge balance on the account collecting interest. It is a violation as they are trying to collect a debt they were already paid as well as they arent letting me fulfill my contract with the title company by crediting my account. I have spoken with Goldman Sachs and the bank that issue the checks and XXXX XXXX they have provided me proof of cashed checks as well as checked their account for XX/XX/XXXX there is no return of money. I asked that Goldman Sachs does the same and shows proof that the money was returned and how it was returned because if it was returned with a check, then there is paper trail, as well as the ability to re-issue a check that was never cashed by XXXX XXXX, because they never received it.
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| 09/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/2019, my purse containing all of my identification and personal information was stolen. Due to this, on XX/XX/2019, I initiated the process for a 1-year fraud alert to be placed on my credit reports. On XX/XX/2019, I received confirmation that the fraud alert was successfully added to all three of my credit reports. I was told that this fraud alert would require creditors and lenders to contact me directly, before issuing credit in my name. On XX/XX/2019, I received an alert from my credit monitoring service, stating that a potential creditor pulled a copy of my credit file because I applied for credit or services with them. I immediately contacted this creditor to inquire about this alert. Upon speaking with a representative, I was told that an XXXX credit card was opened in my name. I explained my situation and the representative transferred me to their fraud department. The fraud department could not explain to me why I was not contacted prior to this card being opened, even though I had an active fraud alert on my credit reports. I explained that there is an active investigation in progress with my local police department, for credit cards that were used from my stolen purse and that the detective requested that I report any additional identity theft that may occur in the future. I asked for the account number and details about when and where the card was opened and if any charges had been incurred on the card. I was told that they were not able to release any information to me until I completed a report at identitytheft.gov and mailed it to them. In the meantime, I was assured by the representative that the account was closed. In the days that followed, I completed the report and mailed it to the credit card company, as I was instructed to. On XX/XX/2019, I received an XXXX credit card in the mail. To confirm that the account had been closed, as I was previously told, I contacted the credit card company again. An associate advised me that the account had not been closed but had been frozen to prevent further charges from being incurred. I was then transferred to the fraud department to discuss the situation further. I waited on hold for 30 minutes before being disconnected. I called back and went through the same process of being transferred to the fraud department. When I asked if I could have the direct number to the fraud department, in case I was disconnected again, I was told no. When I asked approximately how long the wait would be, I was told that it would be a long time, but they couldn't give an estimate of how long. After waiting on hold for an hour, I hung up and decided to take further action by submitting this report.
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| 07/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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I am XXXX XXXX, a Goldman Sachs Bank USA Apple Credit Card cardholder.
In email from Apple Card Support XXXX with title/header, Your transaction dispute was not resolved in your favor, this email states, The merchant provided sufficient evidence that you made the purchase. This email further states, You have the right to see the information used in this investigation. To request a copy, please contact an Apple Card Specialist. Many times, via phone calls to Apple Card Specialists and via United States Postal Service mail, I have requested a copy of this evidence, the information used in this investigation.
Twice ( in reports dated XX/XX/2021 & XX/XX/2021 ), so far, I have received an auto-generated report of " seven pages in length, a cover page and six pages of " report. '' Page one of the six pages being legible : it is a " MasterCard International ICA Representment Document ; the remaining six pages are a DISPUTE RESPONSE PACKET FROM XXXX ostensibly containing the compelling evidence used by Goldman Sachs Bank USA in deciding against me. This six-page report purportedly contains an image of the invoice from the merchant. IN BOTH INSTANCES OF RECEIVING THIS REPORT IN USPS MAIL, THESE SIX PAGES ARE COMPLETELY, TOTALLY, UNEQUIVOCALBLY ILLEGIBLE.
Per Goldman Sachs Bank USA, I have a right to see the evidence used against me. My right remains unaddressed.
In more instances that I can count, I have asked of Goldman Sachs Bank USA, and of XXXX XXXXXXXX ( a credit card processing service ) in both written USPS mail requests and via telephone, to provide me a LEGIBLE copy of this DISPUTE RESPONSE PACKET FROM XXXX
THREE TIMES GOLDMAN SACHS BANK USA has charged me {$750.00} based on this evidence. And I have disputed the original dispute, and re-asserted my dispute an additional two times, making it a total of THREE TIMES I have disputed this.
I do not feel Goldman Sachs Bank USA is deliberately keeping this crucial evidence from me : I believe Goldman Sachs Bank USA has an automated-fulfillment system in place to fulfill requests as mine. Therefore, this critical report is mailed to me without a human reviewing it.
I HAVE REPEATED REQUESTED A LEGIBLE COPY. LET ME REPEAT, I HAVE REPEATEDLY REQUESTED A LEGIBLE COPY, ONE THAT IS REVIEWED FOR LEGIBILITY PRIOR TO BEING MAILED TO ME.
I have not received a LEGIBLE copy : I am denied my right : I am denied the evidence upon which I may launch a defense. Let me repeat, Goldman Sachs Bank USA, through their automated fulfillment system, is categorically denying me the very right with which they have enfranchised me. Because of this, I am filing this Consumer Financial Protection Bureau complaint.
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| 02/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I would like to report a fraud that occurred in the month of XXXX, On XX/XX/XXXX, I received a copy of my credit report and became aware of a late payment for my apple credit card, I received a call around XX/XX/XXXX, from a representative from Apple Credit Card Services that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX dollars and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of Apple Credit Card services and the money order I wrote was directed to an unauthorized place i would like to make a police report inregards to the fraud call made on behalf of apple credit card services which took my money for my credit card payment and funneled it to another location this needs to be documented and reported so it dont happen again I received a call around XX/XX/XXXX, from a representative from Apple Credit Card Services that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX dollars and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of Apple Credit Card services and the money order I wrote was directed to an unauthorized place I am writing to request that the late payment of 30 days or more be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of the late payment. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you take the late payment off my apple credit card histoy and make a adjustment to remove the late payment for the month of XXXX and XXXX due to fraud and no fault of my own, i have never been late on any of my credit cards or any other commitment i have finacially. I also filed a police report to state the crime that was committed for taking my money and representing themselves as your company. Thank you for your consideration, and I hope you'll approve my request
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| 02/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I made at a purchase at XXXX XXXX XXXX for {$1400.00} and {$570.00} on XX/XX/XXXX. I returned the items to XXXX via XXXX. In summary, I returned my items and XXXX claimed they never received them. Below I am going to type out a more detailed description of what occurred along with screenshots to back it up. I have labeled the attachments accordingly.
Attachment 1 shows my order in its entirety and that it was purchased on XX/XX/2021. I tried to replicate my cart but there was no return options on the screen so I went on their website and discovered that their return policy is a 30 day return window which is shown in attachment 2. I reached out to them on XX/XX/2021 asking for a return and they emailed a link for XXXX return items. I downloaded the shipping labels. Attachment below are the shipping labels which were provided from those links. Those were the shipping labels I attached to my returns and dropped off with XXXX. Also attached below is proof that my returns were delivered. The tracking numbers at the top of the XXXX page show that they match the labels I used. Also in attachments, shows the returns were signed for by a XXXX on XX/XX/2021. All of this was within the 30 day return period which was provided in attachment 2. After not hearing anything from them for a week or XXXX, I reached out via their chat function and they told me they would escalate it to a supervisor. I asked for the chat logs of that chat but XXXX refused to give me the chat logs. After numerous attempts of calling them, no one could provide me an answer or refund so I went the bank dispute route. Apple card with goldman sachs has been absolutely awful to work with. To begin with, I've sent them all this information beginning on XX/XX/XXXX when I opened the dispute. Since then they have continuously denied my disputes with nothing but reset answers and refuse to help me anymore. I requested the dispute information be sent to me XXXX times ( first time on XX/XX/XXXX ) and not once have they sent me the information that helped them make their decision. I returned these items and showed my return was delivered but for some reason they still are denying me. Now they are asking me to pay them so ill be out of the money and now i don't even have the items. They are bullying me and I can't do anything about. They've been rude to me and can't help but provide scripted answers to anything. Ive disputed, ive appealed but to no avail and through the whole price goldman sachs and apple card have been absolutely useless.
( the attachments provided show my return labels and the subsequent proof of delivery of those returns to XXXX provided to me by XXXX )
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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Hello, My complaint is in regards to my Apple/Goldman Sachs general credit card. I opened the account in XXXX XXXX XXXX and have used it consistently, have never missed a payment nor have I ever been late on a payment.
I keep my balances very low as I take my credit score very seriously and keep overall balances at approximately XXXX %.
This particular account consistently fails to report updated, accurate information which has negatively impacted my credit score and at one point prevented me from attaining another line of credit due to inaccurate information on my credit report on my Apple/Goldman Sachs card.
Right now, today for instance, according to my XXXX credit report, I have a balance of {$160.00} and have a 10 % usage percentage. In reality, I have a XXXX balance. The balance of {$160.00} was from back in XXXX. I have used my card every month and have paid off my balances three times since XXXX.
All three credit bureaus are reporting outdated information for this credit card because Goldman Sachs has not reported correct information. XXXX says I have a {$250.00} balance on this card! It's all wrong and it's unfairly hurting my creditworthiness in the eyes of lenders.
All three credit reports show Apple/Goldman Sachs has not updated my account since XX/XX/2021 ( and even then, the balance was not correct. ) Not only does it incorrectly show a 10 % credit usage on XXXX and XXXX but it shows a whopping 17 % usage on my XXXX report!! Absolutely wrong and UNACCEPTABLE.
Then to add insult to injury - XXXX is now threatening to remove the account altogether due to *lack of reporting* which will negatively impact my score even further.
I have spoken to three different people at Goldman Sachs at length. No one can explain why this is happening and each opens a " ticket '' that promises to look into it and I am told I must wait ( yet another ) 30 days for their investigation to be complete as to why they are not reporting correct payment and balance information. Nothing ever updates and I have never once received any confirmation that their investigation was completed. I've worked so incredibly hard to build my credit up and rely on my score for business as well as personal projects. I have a pristine payment history across all lines of credit including this card but Goldman Sachs continues to incorrectly report balances and payment history.
Also, when I have tried to dispute the balance / payment history with XXXX they tell me I can not dispute it and that I have to just wait for Goldman Saks to update my account. Then they threaten to remove it altogether due to " lack of reporting. '' ( Insert scream here. )
|
| 06/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
Servicemember |
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My XXXX card was converted to a Goldman Sachs XXXX, between XXXX and XX/XX/XXXX. I was not concerned as I had XXXX savings accounts with Goldman Sachs and had dealt with them previously.
Through my bill pay i made the following payments, and Goldman Sachs accepted them, XX/XX/XXXX - {$20.00} ; XXXX XXXX - {$100.00} ; XXXX XXXX - {$25.00} XX/XX/XXXX - {$25.00} XXXX XXXX {$25.00}, XXXX XXXX {$100.00}, XX/XX/XXXX, XXXX {$25.00} XX/XX/XXXX, XXXX {$250.00}, XX/XX/XXXX, XXXX - {$25.00} XX/XX/XXXX {$25.00}, XX/XX/XXXX, {$25.00} XXXX XXXX {$25.00} Additionally these payments were made by XXXX XXXXXXXX {$29.00} The payments not accounted for in XXXX were more extensive.
An example of the issues are on the statement from XX/XX/XXXX to XX/XX/XXXX The following payments were finally credited- XXXX {$50.00}, XXXX {$40.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX - {$20.00} ; XXXX XXXX - {$100.00} ; XXXX XXXX - {$25.00} These payments had sat with Goldman Sachs for months , and while they had refunded the late fees, they stated it would not happen again, The following month it happened again.
A couple of days ago, i got another phone call, my payment was late again, only the previous month i had set up autopay from my Goldman Sachs account again. Only this time i was told they had fixed the issue, because I couldn't have XXXX accounts attached for bill pay.
I was notified i was not making payments but in reality they did not put the funds on my account. They then charged me late fees, and stopped my card from being used. They notified the credit bureaus I am consistently late and it has adversely affected my credit score. I have spent hours on the phone with the representatives, " managers '', leads all without resolution.
Yesterday, a manger XXXX, notified me that the autopay i had set up was removed as the bank account did not exist. The account is a savings account with Goldman Sachs, and they were able to verify it existed when it was set up. She then told me they only pull from checking accounts and this was a XXXX account. I noted they had pulled a XXXX time payment from my XXXX account with a different financial institution in the past without issue. She then said i must have had a XXXX account attached to the account. When i pointed out it did not, she got snarky and informed me I was wrong. I could only make a one time payment from savings attached to checking.
I have spent hours and hours on the phone, and no resolution has been offered. Instead i get told i am wrong, and the fees roll in and my credit takes a hit.
When I call I get told there are a couple notes, nothing showing all i have had to tolerate in the last XXXX mnths
|
| 08/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I placed an order for a XXXX XXXX television with " XXXX XXXX '' a third party seller through XXXX, on XX/XX/2021 in the amount of {$4100.00}. The item was to be delivered on XX/XX/2021. I left clear delivery instructions stating that if I were not home to call me and if no answer to reattempt delivery. In addition, XXXX required a signature from me for successful delivery. I was not home on XX/XX/XXXX XXXX and when checking the tracking information it showed that my item was delivered to someone named XXXX XXXX XXXX. I immediately reached out to the merchant through XXXX and explained what happened. The merchant explained that an investigation would be started, and someone would reach out to me in the following days. I never heard anything back and reached out to the merchant again and was informed by " XXXX XXXX '' customer service representative named XXXX that an investigation was still in process. Days went by and again I had not heard anything back from the merchant " XXXX XXXX ''. I then proceeded to dispute the charge with my bank institution. I was advised by my bank institution to reach out to XXXX and see if the issue could be remedied. I then reached out to XXXX customer service and explained my situation to a representative named XXXX XXXX. XXXX XXXX explained to me that a refund would be issued to my card and I should see it in 3-5 business days. The credit never came. Upon submitting my dispute, the merchant has now responded stating that I have had XXXX orders delivered to my home in the past with no issue and that my address is valid ( which is irrelevant to this situation ). My address and apartment number is valid however, the merchant failed to mention that I live in an apartment building and not a house, so delivery of a package with a signature required by me is vital. As I stated previously, the package was not delivered to me, nor was it signed by me, and my delivery instructions were not followed. My package was instead delivered to someone named XXXX at a different address/apartment number. The merchant also stated that they have no record of any phone calls or emails from me regarding my issue. That is inaccurate and I have contacted the merchant and XXXX several times via email and XXXX transcript ( please see attached ). In addition to XXXX policy, XXXX can refund a customer at their discretion. XXXX agreed to refund me because of this issue ( as seen in the transcript ) and I have yet to receive my refund. I've also filed a police report with my local police department. My bank institution constantly resolves the issue in the merchants favor. I've submitted a dispute over 5 times since XXXX, XXXX
|
| 02/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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Dispute XXXX - Goldman Sach ( AppleCard ) In XX/XX/XXXX I approved a transaction to purchase a PRINTER from a company named XXXX for {$88.00} with the AppleCard ( Goldman Sach ) XXXX I was watching the purchase closely since I wasn't sure I made a mistake based on the amount paid. I sent an email to the company to ask for status and never received a response. The credit card charge was for the same amount ( {$88.00} ) but with a company name XXXX. On XX/XX/XXXX, I initiated a dispute with the credit card since by then I knew that I fell into a scam. I described to them the same as stated above. By XX/XX/XXXX I received a response from Goldman Sach ( AppleCard ) that the charge remained since the merchant provided evidence showing that the charge was mine. Re-opened the dispute, requested copy of the evidence and never received. During the evaluation period I received an email from Goldman Sach to provide anything I had to support the investigation. I didn't have much at the time since I didn't have any of the evidence they had supporting keeping the charge, only the email I sent following up the delivery of the printer that I originally ordered.
By XX/XX/XXXX I received the Outcome of the investigation, without them providing any evidence, indicating that the charge remained because I failed to provide any evidence against the charge. This time I requested I called and requested to talk to a supervisor. During this conversation I indicated the multiple times I requested the evidence for the case and never got. The evidence arrived and submitted I prepared a document with my own findings. When I called to include as part of my case, they indicated I had to wait until they would send me an email for me to include. Once again I had to request a supervisor to be able to include the finding report on my own terms.
Findings after reviewing evidence.
1. Goldman Sach failed to realize that the evidence that was provided by the merchant was for the purchase of 2 pieces of clothing when I send them information that my order was for a printer.
2. Goldman Sach failed to realize that the documents provided had 2 different IP addresses referenced for the purchased transaction origin.
3. Goldman Sach failed to realize that the provided tracking number by the merchant was a false number that does not exist in USPS.
Attachments included : 1. Evidence that the merchant provided to Goldman Sach. This evidence was provided to me after the second time of reopening the dispute.
2. Documented report showing my points 1 and 2 from the findings.
3. USPS website screenshot showing the evidence reference tracking number does not exist.
|
| 04/27/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
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This issue related to my Apple Card from Goldman Sachs Bank USA, which I used to make a payment for installment plan for new cell phones XXXX XXXX XXXX ( 2 phones ). Every single month I have being overcharge in my bill, last time bill for XX/XX/2021 instead {$78.00} was {$120.00}.
When I called to Apple company financial department about this extra charge, they spend over 2 (! ) hours with me on the phone, trying to find out reason for extra charge, and after all, they say " its for us unknown charge, don't worry it will be taken off from your bill by Goldman Sachs Bank USA ( owner of Apple card ) ''. I called them number of times to resolve this problem Apple always transfer me to Goldman Sachs Bank USA, and skip to resolve this problem without Goldman Sachs Bank USA.
I start calling Goldman Sachs Bank USA number of times, almost every week during half of XXXX and XXXX, I spend on phone with them dozens hours (! ), every time new rep Goldman Sachs Bank USA, fill up for me dispute application related overcharge, all this time I was on the phone line, and promise me to resolve this problem, because they don't know anything about this charge too - same as Apple XXXX,.
But every time it was useless, and after one week I always received note that my dispute was decline.
My problem still exist and Golden Sachs together with Apple Card continued overcharge me.
Goldman Sachs Bank USA reps provide very poor and unprofessional service - such as so bad communication skills, unknown Goldman Sachs Bank USA payment system and online application, they always don't able provide me with clear explanation - why they charge me over, and very often just disconnected with me when I ask for supervisor, or made me stay on waiting call for an hours (! ), and after all - anyway disconnected.
In my last statement Goldman Sachs Bank USA, for XX/XX/2021 charge me {$120.00} but, my installment plan is {$78.00} per month.
I ask Goldman Sachs Bank USA, AGAINE, provide me with clear answer, why my bill over for XXXX? ...
Reps Goldman Sachs Bank USA say : " its a balance from XXXX '', I provide them with proof of full payment for XXXX, after it, reps of Goldman Sachs Bank USA, change mind, and say : " this is a balance for XXXX ".
But I don't buy anything with this card in XXXX, XXXX and XXXX, I don't use this card at all ...
By agreement with Goldman Sachs Bank USA, my installment plan coast only {$78.00} / month, and no XXXX more.
I don't understand why this company, Goldman Sachs Bank USA, continued abused me ad overcharging every single billing cycle?
My Apple Card from Golden Sachs number is : XXXX, physical card number ... XXXX.
|
| 08/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Im writing to Dispute a Billing Error in the full statement balance of {$4400.00} which includes payments posted XX/XX/2022 Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.
15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
|
| 06/07/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
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Web |
|
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I have 2 saving accounts with Marcus by Goldman Sachs. I called Marcus on XX/XX/2022 to close the accounts and receive the funds via check. Total fund {$200000.00}. On XX/XX/2022 I called Marcus trying to find out why I still have not receive the check yet. The operator told me that the check was sent to XXXX instead of my home address in XXXX Arizona based on the the bank tracking number. I told them I need fund by XX/XX/2022 because I have a meeting with my banker in XXXX Bank on XX/XX/2022. After two conversation with a supervisor named XXXX, I was told by her that I can get my fund wire transferred after my Chase bank meeting on XX/XX/2022. A half hour later a person name XXXX called me again told me that they can not wire me the fund. I have sign a lost check form and mail back to them before I can receive the fund. XXXX told me that she will overnight mail me the form so I can return signed lost check form back to Marcus in a enclosed envelope. As of XXXX pm XX/XX/2022 I have not received the package for the form so I called Marcus again. The customer service manager told me that the form in the package was not sent overnight. On XX/XX/2022 I finally received lost check form. The information in the package sent to me was not complete and I have to call Marcus to obtain the information ( check #, check date and check amount ) need to complete the form. Finally I completed form in XXXX Bank branch with my personal banker by my side. I stopped by XXXX and sent the package back to Marcus. I called Marcus again after I dropped the form in XXXX and spoke to a Marcus supervisor XXXX and he told me on the phone that notes on my account stated that Marcus will wire the fund once they received the form. However when I called Marcus again on XX/XX/2022 as the XXXX tracking showed that Marcus has received my lost check form. The supervisor XXXX on the phone told me that Marcus will mail me another check. I asked her why I again receive another message that is different that XXXX told me on XX/XX/2022. XXXX told me to hold so she can ask for upper management. After over 30 min waiting and discuss, I finally received another information - I was told by XXXX that once the lost check form is processed ( 3-5 business days ), I will get a call from Marcus to let me know I can request close the account again as Marcus will reopen my old saving accounts. then I can get money wired or transferred to my XXXX account.
How can I believe I am doing business with a real FDIC insured bank if every time I make a call to speak to customer rep or supervisor I get a different answer? Marcus should not be in banking business!!!
|
| 11/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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Apple Card by Goldman Sachs Bank. I got the Apple card on accident online trying to replace my phone then it turned into a credit card. Actually a pretty amazing one at that cash back was great and so was customer service till. I first got the card and my fiance wanted to come on with me so we contacted a XXXX by phone she said no problem at all XXXX XXXX well poof my apple card was gone by accident of course so i go XXXX months maybe XXXX without it and i forget about it totally and boom it magically showed back up on my phone with a XXXX clear balance. and in fact the same day I received a letter in my mail saying they credited me {$350.00} sorry there was an error we will correct with reporting agencies as well on your behalf. Ok thank you till the day after i got my old XXXX added with the new one that i had forgotten about not having my card and all no mailed bills nothing so now my debt had doubled. Whatever I paid it off. I always pay it off on time since i had it.. Then about XXXX months ago from today I was a victim of fraud or identity theft again and my apple id had a recovery key put on it. Well i learned quickly that a recover key is a XXXX Character Pass code they send you and not even apple can help when its lost by whomever had it from the start. I was told to buy an apple rep i had to cancel my old apple card and under new apple id apply again. I needed to pay my account balance first though of course. I must have asked this rep apple card specialists XXXX times if shes sure it's that simple cause past experience has me nervous and my home had just burned down so i needed to be certain if i pay this bill id have my balance to use again on my card for things well they did it to me again XXXX me. The new application had failed because the rep failed to close in proper this time. well i called in to address a XXXX and i beleave thats the only place in the world Where a supervisor is less helpful than those under XXXX well after trying to close my account as advised by a XXXX. I called in about XXXX times now and XXXX of which a supervisor came on it was my full time job getting apple to treat me like a customer and correct again there XXXX up well another rep made me pay {$160.00} after the first bill of {$860.00} to close it and guess what still was not closed proper so then the supervisor to save the day again after no joke XXXX more calls in tranffered everywhere this supervisor made me pay XXXX cents and still did not close it proper. I am still Without my apple card i was promised and they still have reported on all my credit reports closed and delinquent with balance..Ridiculous.
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Back in XXXX of XXXX, I received a phone call from a collections agency and they told me that I owed XXXX XXXX XXXX {$46000.00}. They tried to get me to disclose my method of payment over the phone for the amount owed. I had no clue on what they were talking about and wasn't sure if it was a scammer trying to take money from me. After speaking to the agent for quite some time, I quickly realized that the XXXX XXXX released {$50000.00} to someone identifying themselves as being me. Still unconvinced, I ended up signing up for XXXX ( that my wife previously added me to but I never received the email invite ), and I saw that my credit score went from being an XXXX down to a XXXX. To my disbelief, I also ended up seeing other loans that were taken out around the same time, {$40000.00} from XXXX XXXX XXXX, and {$26000.00} ( 3 different loans- {$4000.00}, {$2500.00}, {$20000.00} ). From that day forward, the debt collection calls started coming in by the volumes. I did get ahold of XXXX and they walked me through the dispute process against all of these accounts. I also submitted for a credit freeze for a year with all three credit bureaus. If you look at my credit reports for the past 26 years, you can see that I have always been responsible with my finances. I have plenty of loans that I've taken out and every single one has an excellent pay back history. I understand that these loans were taken out during/after the pandemic/recession times, but I never took a paycheck cut or anything to even need any funding of any type. My credit utilization is 0 % with 0 credit cards and one military charge card. It's not fair to me to have to suffer the wrongdoings of another person, and on top that, when I would request information on the full application to include the identity validation ( verification phone call ), they can't give me supporting evidence. The representative at XXXX told me she couldn't even find me in the system after with my SSN or address. I think that if they had followed a strict process prior to disbursing funds, then this could've all been avoided. Fast forward from XX/XX/XXXX to XX/XX/XXXX, I received notification that XXXX chose to sue me for the amount owed knowing that I was a victim of identity fraud. To make matter worse, the lawsuit paperwork was drafted in XXXX and by the time I received it, my 21 day deadline to respond was already busted. Since these events, I have a 7-yr credit freeze on all the credit bureaus, I've filled out the Identity Theft Report through the FTC and police, and now am waiting for my identity theft passport application to come back from the Attorney General.
|
| 07/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I have an issue with my Apple Credit Card issued by XXXX XXXX Bank that I am hoping can be effectively mediated and resolved.
I utilized my Apple Card with a merchant on XX/XX/2020 in the amount of {$8.00}. I use that card very infrequently and for smaller amounts. It is a newer consumer credit card for me, and I have been trying it out on occasion. Apparently, I forgot I made the charge and my {$8.00} balance went unpaid at the end of XXXX. By the end of XXXX I was still unaware of the charge on my account and I incurred another resulting interest cycle in the amount of {$0.00}. I received no notifications via email or otherwise of my late payment due until XX/XX/2020 when I became aware of it because I a received notification of reporting to my credit agency. On the XXXX of XXXX, I called Apple/ Goldman Sachs and reviewed my account with an attendant ( XXXX ) who confirmed that the email they had for me was not functioning and I likely had not received their notices of late payment. She apologized for the issues I was having as did I for the oversight itself. She agreed to send a dispute of the issue along with a request that the report be withdrawn from the credit reporting agency. What I received then was a series of automated messages from Goldman Sachs stating that the report was made correctly and there was nothing further that could be done at this time. My attempts in follow up to multiple attendants and supervisory staff on both XX/XX/XXXX and XX/XX/XXXX have only resulted in the same formatted email response. I have formally requested a goodwill retraction of this reported delinquency and have been refused that by Goldman Sachs at each turn.
Previous to this incident, I had a perfect credit rating without a single late payment in over 25 years of consumer credit usage. With one late payment in this instance, my credit score went from XXXX to XXXX. I will unfortunately suffer unfair and unreasonable harm should this simple and minor miscommunication be allowed to stand on my file. It is within the banks discretion to retract this report as a show of goodwill considering the impact to me and the amount and time delay of the payment, yet they refuse to offer that resolution despite acknowledging the communication issue between us and refunding the {$0.00} interest charge. The impact to my credit and business credit lines will unfortunately cost me thousands of dollars in additional interest until this falls off my file likely years from now. I would respectfully ask for any intervention or mediation on my behalf to help resolve this matter and assist me in finding a reasonable resolution.
|
| 07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT Account name : APPLE CARD Account name : XXXX XXXX XXXX Credit usage 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary No payment history available to display.
Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance {$7800.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Dispute resolved reported by grantor Your statement - Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
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| 06/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I placed an order using my Apple Card with a merchant on XX/XX/XXXX in the amount of {$310.00} The order never came despite the tracking showing it was delivered inside of my mailbox despite the fact that my mailbox wouldn't be able to fit any sort of packages. I then had proceed to contact the merchant for support which they didn't hence why I initiated a dispute with Goldman Sachs on XX/XX/XXXX as the merchant wasn't doing anything regarding my missing order or providing support. Faster forward a month on XX/XX/XXXX I get an email saying the dispute is resolved in the merchant favor due to the " evidence '' provided by merchant proving I made the purchase. Here 's one of the first thing that is off as I never opened the dispute due to a fraudulent transaction or unrecognized charge but for my order never arriving yet Goldman Sach claims this to be their reasoning to closing the case. I then reached out to Goldman Sach furious about this for a response and was told the case would reopening the following Monday ( I'm providing chat history and other relevant documents to prove these claims as well ). Anyway after this I followed up and then this agent now instead tells me he can check if it could be disputed, backtracking on what I was told earlier and being mislead and said he would if it could be disputed. Shortly after he says it can be disputed and I would be contacted with a response. As you guess I never was contacted with any response and had to follow up myself TWICE regarding this and had gotten a new different response from what I was originally told and now was being informed I can't reopen the dispute since it was " resolved '' basically misleading and lying to me for the past couple months. I've also repeatedly asked for the evidence used in their determination of closing the case as I have the right to see these under the Fair Credit Reporting Act yet they've been neglecting on providing me on such documents so that I may not dispute it any further purposely.
In the end I was constantly lied about the case being reopened, never had a clear communication with Goldman Sach, never got the item I paid for and being charged fully due to Goldman Sach incompetence and sheer ignorance with the matter, closed the case on a completely different issue that I never expressed towards, the agents don't ever tell me their names and finally they never provided the evidence that was used in this case as they should have under Fair Credit Reporting Act. I've forwarded to the Goldman Sach a documentation and the tracking of my issue and they never even bothered to do anything about that either.
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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Subject : Request for Assistance Regarding Incorrect Reporting of Credit Delinquency I, XXXX XXXX, am writing to address a series of issues related to my account, previously held with XXXX XXXXXXXX under the XXXXXXXX XXXX XXXX, which subsequently transitioned to Goldman Sachs in XX/XX/2022.
For a period of eight years prior to this transition, I was a responsible and compliant account holder with XXXX XXXX. However, during the course of the transition to Goldman Sachs, which lasted approximately 3-4 months, I encountered significant and unexpected difficulties.
Access to XXXX XXXXXXXX Account : Throughout the transition period, I was unable to access my XXXX XXXXXXXX account. This prevented me from viewing my balance, paying my bills, or managing any other account-related matters.
Failure to Receive New Card : Despite diligent communication with Goldman Sachs ' customer support, I did not receive my new card. The support staff repeatedly assured me that the card was on its way, only to later discover that it had been sent to an outdated address.
Delays in Addressing the Issue : The eventual realization of the mistake by Goldman Sachs led to further delays. The process of receiving my new card and accessing the newly switched Marcus account was fraught with unnecessary challenges.
Credit Report Impact : During this period, I received a credit report indicating serious delinquency on this credit card account. This was alarming, given my otherwise perfect payment record on this and all other credit cards under my name. Though I promptly paid the outstanding {$30.00} balance upon finally gaining access to my account, the delinquency had already been recorded on my report.
Impact on Mortgage Application : This erroneous delinquency has had a direct and adverse impact on my attempt to purchase a house, as it reflects unfairly on my creditworthiness.
Unsuccessful Attempts at Resolution : Despite my best efforts to reach out to the concerned parties and seek resolution, I have been met with resistance and inaction.
In light of the foregoing, I respectfully request your intervention and assistance in resolving this matter. I believe that the facts clearly demonstrate that I am a responsible consumer who pays debts in a timely manner, and that this incident is an aberration resulting from circumstances beyond my control.
Your prompt attention to this matter will not only correct an injustice but also facilitate my ongoing efforts to purchase a home. Please find enclosed relevant documents supporting my case.
I look forward to hearing from you soon.
Sincerely, XXXX XXXX XXXX XXXX
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| 03/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
Servicemember |
|
The Apple Card has two sorely lacking areas : 1 ) dispute transparency during the investigation ; 2 ) unclear terms on paying off installment plans early.
1 ) if you open a dispute there is no where on the web on within the wallet card info, to see that you opened the dispute, the pending amount, the status or the estimate resolution time. They do make a single notation on the original transaction, but as time goes, it's hard to get to if over 30 days old. The temporary credit can't be found anywhere. You only have an email ( you don't get anything in the post mail ), which may not be the same day you call or chat to dispute the transaction. Even after dispute, there's no place to view the entire set of events, status/decision, and when the credit ( or reversal ) is applied.
2 ) Apple has no way to pay off installment plans early, though they say you can. It says if you want to pay off your instlallment early, to do so on your XXXX app in the Wallet. But you can't. I had just paid my entire balance in full by autopay, and the payment had cleared. Yet, it saw my recent charges ( not yet on any statement ) and would NOT let me. Terms only say " you must pay your balance '' - but the terms, nor any live person can specify if it is statement balance, current balance ( statement and new charges ), or current balance with new pending credits? I got different answers from XXXX people, and they were actually all wrong. I always always always pay off my statement balance in full each month. I'm also on auto pay - apparently this isn't enough if you use your card every month ( you'll always have a balance at any point ). So this month on purpose, I had to stop using my card entirely, and pay my account a week early before autopay ( and before getting my statement ), and ***I STILL could not pay off my installments early***. I called, and this time they offered to let me give them the payment for the installment pay-offs, on the phone- I mentioned I had asked to do this very thing the day after my auto payment cleared, and they said I could NOT ( then ). Suddenly I can a month later, with no different circumstances. I told them if they advertise they are an online credit card, they need to allow cusotmers to fulfill the terms for early installment payoffs, to define WHICH balance must be met, and without calling in. Clearly this is a undefined reality scenario that business and IT failed to identify. Any other card company looks at your last statement balance, and if you satisfied that, to allow you to pay installment plans early ( because they haven't yet issued a statement for the new charges ).
|
| 02/18/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
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|
Web |
Older American |
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On XX/XX/XXXX, I accepted a payment of {$860.00} from our customer through a XXXX XXXX terminal, using my XXXX XXXX as a hotspot. The payment was credited normally and the money transferred to our bank account. On XXXX XXXX, I noticed that my XXXX showed that my Goldman Sachs card had recorded a purchase of {$860.00} on XXXX XXXX, and the merchant listed was our own company. I initiated a dispute, XXXX, that same day, by chat in XXXX, and forwarded a copy of our XXXX statement as documentation. I was told that a dispute would be opened with the merchant, XXXX XXXX XXXX XXXX. Our own business name is XXXX 's. We were not contacted about this, as the merchant. They believe that we are the buyer as well as the seller, however they have not properly investigated this or they would see the absurdity of it.
On XX/XX/XXXX XXXX requested more information by XX/XX/XXXX. I replied by email that same day, explaining what happened, and why the charge was in error, again including our XXXX documentation. On XX/XX/XXXX I received an email that the dispute XXXX, was not resolved in our favor. The {$860.00} was again added to our billing statement in XXXX. The explanation given was " The evidence received shows that no credit is due because you agreed to the merchants terms and condition at the time of purchase ''. But we made no such purchase, and we are the supposed merchant!
I submitted a new dispute on XX/XX/XXXX, XXXX, in a recorded phone call and received acknowledgement on XX/XX/XXXX, and a request for more information came on XX/XX/XXXX. I mailed a lengthy reply with documentation by XXXX to the address indicated, XXXX XXXX, XXXX, PA, but it was returned almost two months later as " undeliverable ''. I then re-mailed it to Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. It was delivered to them on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I received an email that the dispute was not resolved in our favor.
I then disputed it again, XXXX, on Sunday, XX/XX/XXXX and mailed by XXXX certified mail a detailed letter and documentation. I included as before a copy of our PA sales tax license, our home improvement contractor 's PA license, Transaction details from the XXXX payment of XX/XX/XXXX XXXX receipt showing the last XXXX digits of our customers XXXX payment dated XX/XX/XXXX Copy of our invoice XXXX to our customer that was paid, documenting the amount Photocopy of the front and back of our XXXX terminal I have no confidence that this third dispute will be resolved in our favor, and I have contacted a local attorney to represent us against Goldman Sachs.
|
| 05/14/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Applied for bank promotion of moving {$10000.00} in new money into a Marcus savings account and holding for 60 days after enrolling on XX/XX/XXXX. For doing so, I would receive {$100.00} interest. I had completed the requirements and waited until XX/XX/XXXX to verify why the promotion had not been paid to me. Upon calling in, I was advised that I had withdrawn {$10000.00} on XX/XX/XXXX, which supposed invalidated me for this promotion.
As I got the offer via email, there is nothing in the offer that indicates that removing funds would invalidate this promotion in any way.
See below for language : Annual Percentage Yield ( APY ) as of XX/XX/XXXX. APY may change at any time before or after account is opened. Maximum balance limits apply. A maximum of six ( 6 ) withdrawals or transfers per monthly statement period are allowed.
Offer valid from XX/XX/XXXX to XX/XX/XXXX. To qualify for the {$100.00} Savings Bonus, you must first enroll in this offer at https : //www.marcus.com/us/en/savings/osa-savingsbonus-1 or by calling Marcus at XXXX ( XXXX ) by XXXX XXXX EST on XX/XX/XXXX. Upon successful enrollment you will receive a confirmation of your enrollment via email or U.S. mail.
After enrollment, you must deposit {$10000.00} or more in new funds ( internal transfers wont count ) into a Marcus Online Savings Account within 10 days of enrollment and maintain at least {$10000.00} of those new funds in your account in addition to your account balance at the time of enrollment for 60 consecutive days from the date of reaching the required dollar amount. Multiple deposits are allowed to reach the required dollar amount and can be made by joint owners for a joint account.
Offer available to new and existing customers. Each customer is limited to one bonus offer, which can only be applied to a single account. For eligibility purposes, each joint owner will be treated as a separate customer. For example, if you apply the bonus offer to a joint account, the remaining joint owner ( s ) may apply this offer to another account they own if they have not done so already.
The bonus will be deposited into your account within 14 days after fulfilling the above requirements. To receive your bonus, your account must be open and in good standing at the time the bonus is deposited in your account. The bonus will be treated as interest for tax reporting purposes.
We reserve the right to modify or revoke this offer at any time without notice. If we determine that you have engaged in or plan to engage in abuse or gaming in connection with this offer, you will not be eligible for this offer.
|
| 02/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
My AppleCard is shared with my child via Apple Family Sharing. It is all above board and has been charging on it for a while. Child needed a XXXX XXXX appt on XX/XX/XXXX for travel and tried to pay online with Applecard for the appt. It was declined and we verified it immediately as a genuine charge. Tried a few times, ea time got declined. I used my XXXX to reach out to Applecard and ask what was going on. They never provided an answer, never got back to me. I am fully paid up, I usually pay this card balance off at least twice a month because it's on my XXXX, I see a balance and just pay it all the time. I have an excellent credit rating.
My adult child has since left for XXXX XXXX on XX/XX/XXXX, they used the Applecard successfully in XXXX. I thought I'd better inform AppleCard that the user was traveling : a travel notice. I did that at XX/XX/XXXX at XXXX and the AppleCard responder ( everything is done via imessage ) was affirmative that everything was fine. By XX/XX/XXXX XXXX, Goldman Sachs Applecard was calling me at work that they'd locked my card. I was working and couldn't answer " safety questions '' while working, they caught me off guard. I asked them to call me back later. At my break XXXX, I messaged AppleCard and gave them a call back time when they asked of XXXX. Waited until XXXX, messaged them again. They could not help me, telling me that a " specialist '' would contact me.
I now have my family member in XXXX XXXX at this point, with no functioning AppleCard. I have no functioning Apple card. Goldman Sachs won't treat me like a human and actually deal with this. I've done nothing wrong, I'm a verified user, my family member is verified in Family Sharing. I've read since that AppleCard can lock up users Apple IDs capriciously. I can not access the AppleCard statements which are all on the iphone wallet, the lock takes away all access. I am blinded to what possible issue might be going on - the area is now blank.
Have you helped in these types of cases, and what advice can you give me? AppleCard Goldman Sachs isn't treating me like a human. AppleCard and Goldman Sachs have unsupportive behaviours and put their customers in jeopardy. The AppleCard isn't physical for my traveling family member, it's all on the iphone in they're hand - no one can steal their number or card. I gave AppleCard a travel notice. What possible fraud can they be so concerned about that they refuse to clarify with me? What more can I do? They refuse to talk to me. Please help me get an answer from this company and re-assurance that they're not going to affect my credit rating.
|
| 08/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have had an abysmal experience with the Goldman Sachs Apple Card. I have always paid my bill in full and on time. Last month, through no fault of mine, the payment showed up late, because of the way my bank sent it. I called both GS Apple Card and my bank to try to trace the check, and when it still hadn't shown up two days after it was due. I had my bank issue a stop payment on the check and paid my balance in full through a direct payment from my bank that day. The customer service reps with whom I spoke at GS told me that because this was a fluke and not my fault they were waiving the interest, and the two months of interest that is part of their policy if you are late on a payment. ( Apparently, you have to make two months of full payments on time for them to stop charging you interest following a late payment. ) I thought everything was settled satisfactorily after that phone call. And then a week later, I see an interest charge in the amount of {$26.00}. I called GS on XXXX XXXX and was told that interest charge would be taken care of and that it was a mistake. I waited 48 hours and saw it was still there. When I called again today ( XX/XX/11 ), I was told the interest charge did seem odd and that they would look into it, but that I would still be responsible for the two months of interest.
I told them I had been told differently and that I thought this was unfair, given my impeccable credit history with them and in general. They wouldn't budge, so I said I would like to cancel the card. They offered to put a dispute in regarding the interest charge, but again said they couldn't waive the two months of interest. When I asked if I would continue to accrue interest while I waited for the dispute to be resolved, I was told yes. I replied that I would rather just close the account and pay off the balance today.
They closed the account, and when I went to make a final payment, the Apple Card app ( through Apple wallet ) wouldn't allow me to pay the full amount. I called them back and asked why I couldn't pay, and I was told I couldn't pay through the app at all ( not true ) and that I would have to pay through bill pay or with another credit card. I hung up, paid as much as I could through the app and scheduled a bill pay payment for the rest through my bank to be delivered tomorrow.
Granted that this whole experience is only costing me about {$30.00}, I do want to share my disappointment in their policy ( which feels predatory ) and in their customer service staff who were all very nice, but told me different things each time I called.
Thank you for your time.
|
| 07/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I had an Apple Card balance {$530.00} in XX/XX/XXXX. On XX/XX/XXXX, my father XXXX XXXX XXXX XXXX XXXX XXXX his XXXX checking account ending # XXXX to pay off the balance. Apple Card is issued by XXXX XXXX.
On XX/XX/XXXX, the AutoPay charged me again from my XXXX checking account ending # XXXX for the same {$530.00}.
I called Apple to refund the duplicated amount from my checking account, I was told to go to my bank to set up a dispute to recover account, they could not refund directly, since it was an autopay. I followed the instruction, and I recovered the duplicated {$530.00}. After that, I got Apple email on XX/XX/XXXX saying that I owe {$530.00} plus interest, which is XXXX. It has been showing in my Apple Card message until now.
Since then, I contacted Apple Card through phone calls and Chat many times. I was confirmed that they did see the {$530.00} payment history, and would resolve the issue. They also told me that I would get an email, so I can submit documents with explanations..
I never got any emails to allow me to submit written explanations. I got 4 managements calling me, I had t o repeat the same explanations over and over again, but none of them resolved the issue. I was also told to use Apple Chat, and I did.
The XXXX one told me to expect an email to explain ( XX/XX/XXXX ), it never happened. The XXXX one said the {$530.00} actually went to my previously closed account, asking if I was willing to transfer to the currently active account ( XX/XX/XXXX ). Then the line got cut off, she never called me back. The XXXX XXXX told me to do Apple Chat ( XX/XX/XXXX ), I told her that I already did, and I was promised an email ( XX/XX/XXXX ), I got no email. The XXXX one asked me to call Customer Service, and suggested the I paid the minimum {$25.00} ( XX/XX/XXXX ).
I finally learned after about 1 month that I would not be able to resolve this issue by myself with Apple Card, and currently I still see my Apple Card being " restricted '' with {$540.00} balance. Apple Card did not reject the payment from my closed card, after they knew it, and they would not transfer it to my active account to resolve the issue, even if I already authorized it. All the phone calls were recorded, and XXXX history is still there.
With the next charge cycle coming, I would like to request to transfer to close my balance, and waived the interest charge. They would not allow me the chance to submit the documents with explanation thru emails, as I am doing now, I have to resort to you. And the default history will hurt my XXXX XXXX.
Thank you very much.
XXXX XXXX
|
| 04/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
In XXXX XXXX XXXX, Marcus GM Rewards Card by Goldman Sachs sent me an e-mail special offer stating that if I opened a new GM credit card account and spent {$1500.00} in fuel per calendar year, I would receive a {$100.00} statement credit. Thus, I accepted the offer and made {$1500.00} in gas purchases by XX/XX/XXXX, which was three months earlier than the expiration date.
In XX/XX/XXXX, I called GM Rewards Card customer service to inquire why there was no {$100.00} credit shown on my statement. The representative I spoke with told me that it would take 2 billing cycles for the {$100.00} credit to be deposited into the account. On XX/XX/XXXX, there was still no {$100.00} credit deposited into my account, so I called to inquire about the matter. The bank representative XXXX XXXX ) did not know why there had been no deposit yet into my account, so she decided to open up a case regarding the issue ( XXXX XXXX : XXXX ) and informed me that a bank specialist ( XXXX ) will contact me in 3 to 5 days. I waited for the phone call, but no one called.
On XXXX XXXX XXXX, I called again and asked to speak to the manager ( XXXX XXXX, and he promised that he would call me back by the end of the day with a resolution. I never received the phone call on that day, and its been almost a week and no one has contacted me.
Bucking responsibility and forgoing accountability is one thing, but to personally promise a customer that you will take care of the issue and never do so is beyond poor service. I understand that mistakes happen, computer failures occur, and things cant always run as smoothly as planned. However, I dont understand the lack of customer service that I received. I felt disregarded and unvalued, much to my disappointment and consternation.
Providing the best banking service, or even just plain old good service, instead of the service itself will undoubtedly make a difference. Never forget that todays customers expect and demand to know how their money is handled. Failure to provide answers to a customers questions or inept management that could care less about anything except their inflated egos will only bring loss of business.
I still haven't received the {$100.00} promotional offer that I was promised, even though I fulfilled all the requirements within the first calendar year of my account opening. This bank is unscrupulous and is manipulating customers through false advertisements, deceptive representations, and omissions. This corporate conduct is illegal and corrupt. An examination of this bank is very much needed.
Thank you for your time and attention.
|
| 03/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
Older American |
|
To whom can resolve my concerns ; I have been a long-time customer with XXXX XXXX XXXX XXXX XXXX. Over 10 years. This credit card has been my primary card. Without any desire or request on my part, apparently, this card is now associated with a company called XXXX. I have not received anything in writing or a statement about this change. I was notified of this change through an email sometime in XX/XX/XXXX. I was told that a new card and additional information was coming and I continued my payments to XXXX XXXX XXXX XXXX. I have not received a billing statement since XX/XX/XXXX. Additionally, Last week I was communicated through an email that my account is how delinquent. Furthermore, through a phone instruction recording, it indicated that payment could no longer be made through XXXX XXXX. ( without possession of a card, contract, or statement, I do not have an account? ) I have attempted to make contact through phone and email without any success. Unable to create an account online without an account number ; I am unable to acquire information through that process.
This information was sent to the XXXX XXXX corporate office ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ) I have been waiting for nearly one month for my XXXX card so I can set up payments through my checking account.
2 ) Your phone messages indicate that my payments are now required to go somewhere else therefore ; I do not know where my payments are going.
3 ) I have been making payments to XXXX XXXX. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and more.
4 ) I have been waiting for a statement and payment information?
5 ) I have awaiting to view a contract and other information regarding this new/transferred account.
6 ) I am unable to discuss my concerns with your company and I refuse to wait on hold for over 45 minutes with any company.
7 ) To add to the insult ; I can find no way to contact you through your Web without an established account. Without information and an account number I can not set up an account in order to view information.
8 ) I will make no more payments on my XXXX XXXX until I acquire an understand of the account status and verify most recent payments to XXXX XXXX
9 ) A XXXX representative can call me within 20 days this writing.
10 ) Beyond that ; you can cancel this apparent account. I will resolve payments on the account afterwards upon verification and a suitable understanding.
11 ) I would reference an account number however ; I dont know if I have one. Also, Who are you ; I dont know anything about your company.
XXXX XXXX XXXX XXXX
|
| 02/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear CFPB Goldman Sachs is continually been destroying my credit worthiness for years and I have been communication with them relentlessly and have shared that I do not have any knowledge of the debt owed, they have failed to provide me any signed documents bearing my true and actual signature and have gone against all FCRA sections I dispute with the bureaus only for them to reply electronically and say it's valid. It clearly states that once I have notified them that this debt is in fact a part of identity theft they are not to sell, transfer or place the debt out for collection yet they have transferred it to and outside agency who is acting as a collector on their behalf. I have sent my DL License, social security card and police reports to the furnisher and it seems to be ignored, I will not send it again at this point. At this point they are breaking all FCRA reporting act and I nearby demand and investigation. They stall and wear you down as a consumer until you have no more fight. I was a victim of identity theft and have attached my XXXX Police report and Federal Trade Commission Affidavit once again so that they can notify each bureau and have the erroneous, derogatory information deleted at once. Per 605B they are in violation. They are matching a name and address and saying it is mine. " IT '' S NOT '' and I state it again and again that I have no knowledge of this debt that I have been disputing since XXXX. I have place the explanation of the duties when ID Theft Occurs and would appreciate immediate attention. It was the worst thing that has ever happened to me.
Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
|
| 12/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Re : Account ( XXXX ) : # XXXX Account Name : GOLDMAN SACHS BANK USA My Social Security number is : XXXX My date of Birth is XXXX Dear Sir or Madam ; I disputed the referenced accounts above on XX/XX/2020. The credit report of XX/XX/2020, and my report # XXXX shows results these items was deleted from the credit file. Now I notice these items have been reinserted on my credit report.
In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.
Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted.
( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( XXXX ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action by filing a lawsuit and seeking damages. Also, I have re-disputed this fraudulent account from my credit report a numerous of times since XX/XX/2020, but you all are complying with the company and keep reinserting this fraudulent account back on my credit report. Your agency may avoid such action by immediately and permanently deleting this listing from my credit report.
Thank you, XXXX XXXX XXXX
|
| 09/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Dear Sir/Madam, I am writing to file a formal complaint against Apple Card regarding an incident that occurred on XX/XX/2023, which has left me deeply concerned and dissatisfied with the services provided by the company.
On the aforementioned date, I received a notification from Apple Card stating that my card had been " restricted. '' The notification did not provide any specific details or reasons for this restriction, leaving me bewildered and worried about the status of my card.
The only potential reason I can fathom for the restriction is a transaction I made on Friday morning ( XXXX monthly installment for {$880.00} ), which may have been deemed unusual by the company 's systems. However, I promptly verified this transaction through the Apple Card app, confirming that it was indeed me making the charge. I expected this action to resolve any issues related to the transaction and assumed that my card would function normally thereafter.
Subsequently, I received a phone call from Apple Card, which I missed due to a prior commitment at work. I have since been diligently attempting to contact the company to gain clarification regarding the card restriction and to resolve this matter. Unfortunately, my attempts to reach out to Apple Card have been met with limited success. The only response I have received is that my card is currently under review, with no indication of a specific timeframe for resolution or further communication.
This situation has left me feeling not only frustrated but also concerned about my financial security and the protection of my personal information. The lack of transparency and information provided by Apple Card regarding the reasons for the card restriction is deeply troubling. It leaves customers like me in the dark and without proper knowledge of why our cards have been restricted, thereby hindering our ability to address and rectify the situation.
I firmly believe that this situation is not only unfair but also unacceptable. As a loyal customer, I deserve to have my concerns addressed promptly and to be informed about the status and reasons for any actions taken on my account. I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and ensures that Apple Card takes appropriate measures to rectify this issue promptly.
I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if you require any further information or clarification regarding this complaint. Thank you for your assistance in addressing this issue.
|
| 02/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have been a XXXX ( XXXX XXXX XXXX member for 20+ years. They recently transitioned from XXXX XXXX to Marcus by Goldman Sachs. This transition has been an epic failure. There was very little communication ( other than the fact that there would be a transition ). You would think a bit operation like XXXX would have a strategic plan for transitioning XXXX members to their system, but no.
I recently had my XXXX baby ( who ended up needing a stay in the XXXX ). When I returned home I went to pay my bill through XXXX like I normally do. I got an error message and assumed the site was down for maintenance, so I tried it again several hours later and then again the following day. After two days of getting the same error message I called XXXX. The representative who helped me said I had to go to XXXX to pay my bill ( you would think Marcus would have communicated this information to us ). So, I went to this site and found a link to click for XXXX members that are transitioning to Marcus. I followed the instructions online ( which asked for last name, DOB, and last 4 digits of SSN ). After doing this, I got an error message that said they didn't have enough information and to call XXXX. I called this and the wait time was 5+ hours. They gave me the option for a call back, so I selected that. It is now several days later and I still have not received a call back. In the meantime, I have tried again multiple times to register on the Marcus site, but I keep getting the same error message. I have also called the number provided several times. The last time I called ( XX/XX/24 ) I was told it was a 1+ hour wait time so I held on and finally got a representative. However, the representative had me do the same thing I had already done on my own ( going to the Marcus site, putting in my last name, DOB, and SSN ), but of course I still got the same error message. The representative then suggested I tried using their app. So, I did the same thing on the app and got the same error message. The representative then said there was nothing more she could do and she would put in a ticket for tech support to give me a call back. It has been about 24 hours and I have yet to receive a call back. I am very concerned about how this will affect my credit score. I have tried to be a responsible citizen in paying my bill- I have spent ( literally ) hours trying every which way to pay my bill/transition to Marcus, but with no luck.
An operation as big as Marcus should have communicated more clearly about the transition and had a better plan in place for a seamless transition.
|
| 02/16/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
On XX/XX/2020, I tried logging onto my Goldman Sachs Marcus app on my phone to check my balance. Upon trying to log in, an error message appeared stating that my account had been temporarily locked and I would not be able to log in or have access to my account until I called Goldman Sachs Marcus to unlock my account.
I immediately called in. I went through the security questions and was then transferred to an employee named XXXX who works in the Fraud Department. I was informed by XXXX that there had been a security incident on XX/XX/2020 and that a small number of clients accounts had been compromised and that some of my personally identifiable information could have been compromised and therefore my account had been locked.
I then asked why I wasn't notified via email/phone/mail that my account had been compromised/hacked as I should've been notified immediately so I would be able to update my passwords to all accounts and monitor more closely for any potential fraudulent activities. To my understanding, it is a requirement of Regulation P that there is a certain window of time where I must be notified by the company if a privacy event has occurred and I wasn't notified at all. I had to log into my account and then call in as my account was blocked to learn that my account had been hacked and my non-public personally identifiable information had been compromised.
I then requested that XXXX, the Fraud Department employee, follow up with his supervisor regarding this privacy matter as he was not available at the time and that his supervisor would need to follow up with me to understand why I wasn't notified and if my NPI had been compromised. I was told that I would be contacted within 24-48 business hours from today, XX/XX/2020.
It is highly illegal and a regulatory violation to not notify customers of a privacy breach. I am now having to update all of my passwords and closely monitor my credit report to make sure that none of my other accounts were compromised. Banks/Companies need to be held accountable for managing people 's NPI and when something does go wrong there are consequences for their actions/inactions.
To restate, my Goldman Sachs Marcus Savings account was hacked on XX/XX/2020 and my account was then locked on XX/XX/2020 ( according to XXXX ). I then tried to log into my account on XX/XX/2020 and was not able to as it was locked and then I had to call in to get in unlocked and was alerted by the Fraud Department that my account had been hacked. I wasn't notified at all by Goldman Sachs that my account had been compromised.
|
| 02/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I was recieving emails from Apple card ( Goldman Sachs ) that was saying I am elegible to enroll to Disaster Relief Assistance Program by FEMA, which provide benefits like skipping payments due in the month I enrolled and no interests will be charged. So I was enrolled and was contacting XXXX support to make sure that I will not be charged for the month of XXXX, they confirmed that, but I still was charged {$140.00}. For the month of XXXX I made total amount of payments {$350.00}. I was trying to dispute charge with XXXX support, opened dispute case, but it didnt work, because they said even if I am enrolled I still had to pay minimum interests, what made me confused because this is why I was enrolling to Disaster relief program to avoid paying interest for the month of the enrollemen and I actually was making payments which is total {$350.00}. In XXXX I was enrolled again and even though I paid {$240.00} which is more than my minimum interest for the XXXX month. Again contacted XXXX support to make sure if I will not be charged, they said yes I will not be charged, but at the end of the month I was charged {$130.00}! Calling them every day, every day supervisors keep giving me different information, like this charge was for the previous month, then they was saying, I was charged because I wasnt enrolled, then because I am not eligible for this program, lying and giving new information again and again. They was keep lying that they was actually opening dispute cases when they never did, first saying me to wait up to 10 days, then 30 days, after 30 days wait up to 90 days. Every time when I am asking fot the ticket number of my case, they was putting me on hold and hung up. So I was calling again and again talking to hundres of supervisors explaining situation again and again, they was " opening new dispute cases '' every time and when I am asking what happened with previos cases, they were saying that they can not see any opened case, which means every supervisor was lying about opening case, they was just making me to wait for the time of reviewing the case, probably just until I forget about the issue. They keep saying you will recieve a call or email about your dispute case, never recieved anything since XXXX. The only email I recieved says " that you are not eligible to enroll in disaster relief program, because your account is currently enrolled in disaster relief assistance '' which doesnt make any sense honestly. I gave up to keep calling them because all they do is keep lying and hunging up when they dont feel comfortable to talk anymore.
|
| 05/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
We purchase tickets from known website online seller name XXXX, We purchase international flights going to XXXX thru XXXX XXXX XXXX, due to the COVID-19 pandemic the original flights was move re-schedule dates because of the closing of the border requirements to the country were going in. We pay them also for the additional flights, make the story short XXXX XXXX suggested to cancel the flights because of the cancellation of some of connecting flights and there is significant change in XXXX flights from XXXX flights XXXX way it make total of XXXX flights just XXXX way very significant change in flights so the airlines suggested just to cancel the whole flights. We called the XXXX customer service several times requesting for a refund spending so many hours waiting for there response we call back and fort with out results.
Per DOT RULES If the flights was cancel they have to pay with in 10 days and thatwas not the case and did NOT happened. they hostage our payments, We need that money to purchase again to other airlines but months past by no refund was made they shut off there communication no email no call from them they are hard when its time for refund.
We don't have no choice but to go dispute the charges to the credit card company apple card, but the results they did not refund the whole amount of the purchase tickets, cheaptickets wants as to pay {$1200.00} in total even we did set single foot in the airplane or in the airport, because they said the additional flights was add on its not cancelable, but it was part of the XXXX it was not purchase separately, when the airline cancel the whole flights everything follows the whole I.T flights is cancel. They should refund the whole amount of the flights as we requesting and per DOT rules they should refund in 10 days., The XXXX XXXX customer service suggested not to do business with them again because they cant help as on refunds, If it was them they will refund instanlly with out delay but but was thru cheaptickes.com We contacted card service explain to them what happened look like they sided on merchant explanation rules, In the first place we didn't NOT requesting flight to be cancel it was the airlines made significant changes on the XXXX and connecting flights is really canceled so there no sense that we will still be on that flights.
We will not pay XXXX we even not singled foot in the airplane or in the airport what for were going to pay that amount. Its not fair for middle class family savings for vacation and pay them this amount for nothing cancel flights.
Thank You
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
The Following Letter was sent to XXXX by certified mail on XX/XX/2023 and was received on XX/XX/2023.
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX and XXXX ) consumer report, and I noticed that it is reporting my experience with your company.
The line of credit I have with your company, which is characterized as utilization on my consumer reports.
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports!
APPLE CARD/GS BANK USA XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Goldman Sachs Bank USA ) Making the report is NOT INCLUEDED on my Consumer report!
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ Goldman Sachs Bank USA ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s [ APPLE CARD/GS BANK USA XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX Furthermore, on XX/XX/2023 I spoke to Customer rep XXXX. I was told that by having they card it was implied that they will report to the credit bureaus even though it is illegal. They also said that will not remove the utilization and to go ahead and file a report if I wanted to.
|
| 10/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is regarding the Goldman Sachs XXXX XXXX.
I received a statement for XXXX totaled at {$490.00}. When reviewing the PDF statement that was provided to me for my XXXX statement, the total was listed as {$380.00}. During the month, I received a {$110.00} refund for an item I had purchased and returned in the previous month. This accounts for the exactly {$110.00} difference between the {$490.00} balance seen in the app, and the {$380.00} balance seen on the actual statement from Goldman Sachs. Rather than being properly subtracted from my total balance for the month, the {$110.00} refund was actually added to my balance -- thus creating the incorrect {$490.00} statement. I noticed this discrepancy on XX/XX/2019, 7 days before my statement was due.
When I first contacted the XXXX XXXX / Goldman Sachs support team on XX/XX/XXXX, they stated that they understood the error in their math, and that a dispute would be opened and the refund would be properly applied shortly. I called back the next day ( XX/XX/XXXX ) to check the progress on the dispute, and was told that since my payment date was approaching, that I should pay the correct amount ( {$380.00} ) and that if it took much longer to resolve the dispute, that they would refund me for any interest payments that I incurred from not paying the higher/incorrect statement amount.
On Wednesday, XX/XX/XXXX, I received an email from Goldman Sachs saying that the {$490.00} statement balance was correct, because that is " the total of payments and purchase return credits between XX/XX/2019 and XX/XX/2019 '', without any explanation for the {$110.00} difference between the two statements, and without any reasoning for how they reached the {$490.00} amount for XXXX. Iterating through each individual purchase for XXXX and adding each sequentially amounts to {$380.00}, with a return for {$110.00}, and the only explanation for seeing {$490.00} is that they incorrectly applied the return amount as a positive charge to the credit card when generating the final statement.
I contacted Goldman Sachs a third time on XX/XX/XXXX, and was told that the email explained everything that they found during their investigation, without any explanation as to where the {$110.00} refund went, and that there was no further information. A few moments later, they then stated that they did see the {$110.00} refund, and to monitor my account for the next few days to see if the problem is resolved then. Since my statement is due tomorrow, I don't have time to wait a few days to see if there is any resolution.
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE IS NOW XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
|
| 08/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
For over 15 months I have tried unsuccessfully to resolve the issue of making sure that my Apple ID is consistent throughout the Apple network via the online methods provided. There are two issues surrounding the Apple Card. On XX/XX/XXXX, I contacted Goldman Sachs directly because of the ongoing problem with receiving paper statements when I do not want them and I was informed that they have an incorrect Apple ID associated with my Apple Card. It is unclear how this happened, but I have a theory which is more sensitive in nature to put here. The second issue is because the Apple Card will not link to my Apple services. After the phone conversation with XXXX XXXX I was told that the issue would be escalated and someone would be in touch in 3-5 days ( when in actuality he should have stated 10 days ). On XX/XX/XXXX, I contacted Apple directly because of these issues to see if they had a solution now that I had more information. I spent XXXX XXXX hours in an online chat trying to resolve the issues without resolution. A subsequent phone call was arranged that same afternoon, which also resulted in no resolution with XXXX. XXXX scheduled a return phone appointment for 5 days, which was not completed at the specified time. When he finally did call back it was still not resolved and now XXXX came up with yet a different reason that the problem existed. He subsequently put me back in touch with Goldman Sachs who stated that the timeline for the original resolution was 10 days and this was now XX/XX/XXXX. On XX/XX/XXXX XXXX from Goldman Sachs called and left a message in response to my XX/XX/XXXX initial call. I called XXXX back, but was not able to speak with him directly and again had to reiterate all the details of the situation. The Apple ID associated with Goldman Sachs is not accurate and according to Apple does not exist and thus I am unable to make this Apple Card/Apple product association work smoothly. This new person at Goldman Sachs stated that she would take the information and it would now be another 10 days. This afternoon ( XX/XX/XXXX ) Apple card called again and stated that I would have to close my account and apply for a new Apple card in order to have the issue corrected. My response was why would I impact my credit score with such a ridiculous solution. Upon receiving my mail today ( XX/XX/XXXX ) I had correspondence from Goldman Sachs stating that they take my complaint seriously and that they tried to contact me, but were unable to do so, but I should call again to seek resolution. Thus, I am filing my complaint.
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| 02/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I was notified of a fraudulent purchase on my Goldman Sach 's Apple Card. I requested that card be shut down and have a new one issued. On the morning of XX/XX/XXXX I noticed approximately XXXX on my credit card all in huge chunks of XXXX plus transactions in Florida and NY. I live in Ca and never traveled to those areas. I called XXXX and spoke with XXXX ( they do not release last names ). I was told she was a supervisor and she placed disputes for all these transactions. During the entire month of XXXX I continually called XXXX to confirm updates on all this ( To date I've called XXXX XXXX ). On XX/XX/XXXX, I spoke with another supervisor, XXXX ( I believe ). I completely paid off all my transactions and the entire account was closed and he said settled. Fast forward to the first week in XXXX when I received a bill from XXXX. Since this bill I've called easily over XXXX and keep getting the run around. First, no one will let me deal with just one person as this is a lengthy scenario. Second, every supervisor I speak with tell me different things on what's NOT resolved or resolved. I have over 40 emails to document the transactions resolved. On XX/XX/XXXX, I was told by " XXXX '' some of the transactions XXXX said were resolved with emails, are NOT resolved and I still have an outstanding bill with payment due on XXXX. The payment as of then ( NOT SURE IF ITS changed again ) was the result of interest/cash back ( FROM all the fraudulent purchases that I NEVER received in my apple cash since I shut the entire account down ). I have since contacted the XXXX ( case # XXXX ), FTC ( case # XXXX ) and filed an identity theft report ( Con # XXXX ) and placed a fraud alert on my account thru XXXX. It has been over 90 days now and I can not find anyone within XXXX to solve these matters and end this investigation. Nothing was ever ordered by me, delivered to me, nor have i ever been to Florida or NY. And the administration of this credit card not catching this going on and not handling promptly is extremely frustrating to say the least. I have zero other evidence other than people who saw me in XXXX XXXX on these dates and times and if one were to check with XXXX it would who i've never traveled to any these states. Nor was anything ever sent to me at my home address. I have never had any issues with other credit card companies if one fraudulent charge came thru, which they would catch and call me. To let over XXXX charges hit my account, lots within minutes or seconds and in same increments at times, is beyond belief.
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| 08/07/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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XX/XX/XXXX I opened a new Apple Card issued by Goldman Sachs. The new card offer includes a {$50.00} promotion. To get the {$50.00}, the cardholder is required to purchase an Apple service of any amount. I was not given the {$50.00} and the resolution I am seeking is to get the {$50.00} promotion.
I tried to purchase Apple Music {$4.00} with my Apple Card to satisfy the requirement. However, the Apple payment system requires that I use my gift card balance in my account first ( I had over {$40.00} at that time ) and is not giving me the option to pay with my Apple Card.
I contacted Goldman Sachs multiple times and emailed them 2 receipts ( Apple Music Purchase and an App purchase ) to prove that I did make the purchases but because of the Apple system setup there is no way I could pay for it with my Apple card issued by Goldman Sachs. They told me they will not give me the {$50.00} promotion because I did not use my card to purchase an Apple service. I explained many times over that I wanted to but the system wont let me. This is well documented on my account. I spoke with customer service representatives, 3 supervisors ( XXXX, XXXX, XXXX XXXX ) and finally a manager named XXXX who did not want to give me his last name and who also told me there is NO ONE else he can escalate my issue to. XXXX told me that I just have to use up all my gift card balance so I can then use the Apple Card to pay for an Apple service and therefore meet the requirement. I asked him why would I spend all my gift card balance, purchase Apple services I do not need only to get {$50.00}? So his solution is for me waste my $ XXXX+ personal gift card balance on services I dont need to get the {$50.00} promotion.
I also called Apple itself to see if they can help me since it is their payment system thats not giving me the option to pay with the Apple Card. I called XXXX and the representative XXXX opened a case # XXXX. The purpose of the case is to have someone call me back from the Apple Promotional Team per a XXXX. No one called me back. When I called back, I spoke with another rep and supervisor. Both confirmed that Apple requires that gift card balances should be used first before buyer can use a credit card payment. The supervisor told me that there is no promotional team who can help me and Apple cant help me and the only way is for me to spend all the money in the gift card balance ( {$43.00} as of XX/XX/XXXX ) so I can then use my Apple Card and meet the {$50.00} promotion requirement.
Please help me get the {$50.00} promotion I deserve.
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| 08/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/22, I was involved in an imposter scheme in which I received an email at my workplace on my work email from someone who claimed to be the CEO of my company in XXXX. I had just started working for this new company so I was relatively unfamiliar with all the people, but the name matched up.
This person asked me to purchase some giftcards to gift to employees, which I did. At XXXX I purchased XXXX giftcards of {$500.00} each for a total of {$2000.00}, pursuant to his instructions. He asked me to send him pictures of the giftcards and receipts so he could record the expense in XXXX and then I was to give the giftcards to the employees.
Unfortunately, I realized about an hour later that this was not the CEO of my corporation. When I checked the giftcards, the balance was now {$0.00} on all of them. That day I filed a police report in XXXX XXXX, IL, where my workplace is located and also filed a report with the FTC to report the scam.
I let my credit company company know that day what had happened and that these transactions were the result of a fraud scheme. They opened an investigation into the transactions, but never asked for any supporting documentation. On XX/XX/22 they denied the claim.
I reached out again and said that I had a police report as well as transcripts of the communications which could substantiated my claim, so on XX/XX/22 they reopened the investigation and asked that I send them a copy of the police report. I did so, to an email they provided, but never received any confirmation. On XX/XX/22 they again denied the claim saying that there was " no evidence of fraud. '' On XX/XX/22 I sent letters to some executives at the company explaining the situation. On XX/XX/22 I received a phone call from a woman who said she was an assistant to an executive at Goldman Sachs, and she said that upon looking at my account they had never received a copy of the police report I sent. I said I would be happy to resubmit it along with any other supporting documentation that might need. She said that she would check and let me know what to resubmit.
A few days later on XX/XX/22 she called me back and let me know that there was nothing they could do -- I would have to seek to get my money back from the Police Department by pressing charges. I let her know that the Police Department had told me that they would most likely never find this person as they are almost certainly overseas. She said she was sorry. I was never even given a chance to submit any of the support documentation that they had never received.
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| 04/26/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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Your Complaint : Target company : Goldman Sachs Marcus Describe your issue : CASE NAME : [ Your Name ] v. Goldman Sachs FACTS : The plaintiff has been a customer of Goldman Sachs and its Apple Card service for the past two years.
Over the course of the past two years, the plaintiff has identified excessive charges and false information on their bank statements and Apple Card reports.
The plaintiff has spent four months trying to resolve the discrepancies with Goldman Sachs.
Goldman Sachs has refunded a part of the plaintiff 's claim but has not provided a full settlement for all the damages incurred.
The plaintiff seeks a settlement for all the damages that have been incurred as a result of the billing error, which includes the excessive charges and the missing money in the XXXX for 2021.
ISSUE : Whether Goldman Sachs is liable for the billing error that has resulted in excessive charges and false information on the plaintiff 's bank statements and Apple Card reports, and if so, what is the appropriate settlement amount for the damages incurred?
RULE OF LAW : Under consumer protection laws, financial institutions have a duty to provide accurate and timely information to their customers, and they may be held liable for billing errors that result in damages to their customers.
ANALYSIS : Goldman Sachs is responsible for providing accurate and timely information to its customers, including the plaintiff in this case. The excessive charges and false information on the plaintiff 's bank statements and Apple Card reports indicate a billing error that has resulted in damages to the plaintiff. The fact that Goldman Sachs has refunded a part of the plaintiff 's claim acknowledges their liability for the error.
The appropriate settlement amount for the damages incurred will depend on the severity and length of time of the error, as well as any damages that the plaintiff may have incurred as a result. The plaintiff may seek a settlement that includes compensation for the excessive charges and missing money in the XXXX for 2021.
CONCLUSION : The plaintiff has a strong case for a settlement with Goldman Sachs for the billing error that has resulted in excessive charges and false information on their bank statements and Apple Card reports. The appropriate settlement amount will depend on the specific circumstances of the error and any damages that the plaintiff has incurred as a result. A lawyer may help the plaintiff negotiate a fair and reasonable settlement amount with Goldman Sachs based on the strength of their case
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| 11/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On XXXX I placed an order with XXXX for {$160.00}.
XXXX it shipped from XXXX On XXXX i started tracking ( bc in the past their packages have always arrived quickly.
From XXXX to XXXX it showed just sitting with no updates or movement. I tried to contact XXXX via their app, as they don't have a phone number, no one every replied.
On XXXX I filed a dispute with my cc for the amount. The package still hadn't moved and XXXX still would not reply.
On XXXX I ordered the items they still had and we DID receive that package quickly.
On XXXX I checked again and it still showed sitting in transit with no movement ( attached screen shot ) FINALLY on XXXX at XXXX : XXXX EST XXXX sent me an email telling me the package was lost and asking if i wanted a refund or for them to reship.
I replied within an hour and advised them I wanted a refund because I had already reordered and received the other items. I also had to click a link on the email and click refund.
I did NOT cancel my dispute as I have learned to not do that till refund comes thru. On XXXX, Goldman Sachs emailed me that they found in favor of XXXX and I was not getting a refund. I contacted Goldman right away and asked how they could find in favor of XXXX when the package was lost and they even said it was. I was told that XXXX told them I ordered the items. I explained it was never an issue of me ordering them the issue was the package was NEVER delivered. So Goldman sachs made me open a 2nd dispute for this same issue, which i did on XXXX. This time I sent them the email from XXXX stating the package was in fact lost.
On XXXX, i get another email that they sided with XXXX again. I called Goldman again to find out how in the world they could side with XXXX when I sent proof it was lost. They said XXXX sent them proof it was delivered. Since it was not delivered I asked to see the proof. On XXXX i got a photocopy from Goldman that showed the package was IN TRANSIT on XXXX, This is also a screen shot i had from XXXX showing the package was " in transit and not delivered ''.
Nothing shows it delivered. And again, XXXX emailed me on XXXX stating the package was LOST. I asked for a supervisor at Goldman and again was told they would have to open a dispute. So this is the THIRD time they are making me dispute this and refuse to help me. I have the emails, screen shots and what Goldman sent me showing it was NOT delivered. Goldman will not allow me to talk on the phone with them and constantly make me use texting. It is not going on 5 months and they refuse to help.
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| 11/17/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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I initiated a wire transfer as part of a home buying process for $ XXXX on XX/XX/XXXX, there were no questions asking about what type of account it was. I was informed on XX/XX/XXXX that Marcus by Goldman Sachs did not transfer out to Trust accounts- this makes no sense as they do wire to external escrow/title companies on a case by case basis. This initially delayed the process. I was then forced to change the type of account at my receiving bank.
I initiated another wire transfer on Tuesday XX/XX/XXXX at XXXX XXXX. This was after the wire cut off time and was informed that the wire would be processed next day but may take 1-3 business days. I asked that the wire be expedited and was told that it could not be. I noted that this was very time sensitive and we needed the funds transferred over to meet the close date for our mortgage closing process for a new home. I followed up the next day after the transfer did not complete and asked what could be done, and the representative escalated to a manager to expedite, I was told it was through the first verification and would be ready. I called to check in this morning at XXXX EST to check and re-iterated that in order to meet close, I needed them to verify the wire transfer this morning ( Thursday ) - they said it had not in fact been verified. They had no way of contacting the department in charge of verification and no updates beyond that the wire was in queue. I was told to call in in an hour to check. I called multiple times today and there was no change and no insight into what stage of the process it was in. The wire has still not transferred. In fact the bank 's notes incorrectly said that I told them that I needed funds by Friday - I told them no fewer than 6 times in the last 3 days that I HAD to have the funds by Thursday AM. Understood that they say 1-3 business days, but the communication has been poor and there is no accountability about how to manage the wire process and intercept and escalate if there are issues. We are now going into the third business day, which essentially means the expediting was meaningless. We have now missed the deadline for our close of escrow. Everyone felt bad for me but they were powerless to do anything.
Generally speaking as a commercial bank Marcus by Goldman has failed in my eyes. My money is held hostage as it clears wire transfer timing, the rules behind where you can/ca n't wire to are not clearly articulated- especially at time of wire which I did OVER THE PHONE, and we missed close and there was no accountability.
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| 05/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I made a purchase at XXXX using my Apple Card in the amount of {$1100.00}. XXXX days later, I received an email stating my package has been delivered. I went to get the package and there was no package. I reviewed security cameras and no delivery courier ever came to my home that day. I immediately phoned the merchant to inform them that the package was not delivered. They advised me to contact XXXX and handle it on my own, stating there was nothing they could do. Upon investigation, XXXX determined the package was lost or stolen in transit. The merchant was notified of this outcome. The shipper, XXXX, has indicated they have informed the merchant of this finding many times as well. I have contacted the merchant several times by phone, chat and email and they have refused to provide the merchandise.
I filed a dispute with Apple Card for this transaction on XX/XX/XXXX. I was issued a provisional credit in the amount of the disputed charge. XXXX months later, the dispute was closed under the reason : " The merchant provided sufficient evidence that you made the purchase ''. Im not disputing that I made the purchase, but rather that the merchandise was not provided.
I have reopened this dispute many times, which are again denied on the same basis. I reinitiated the dispute again 2 days ago. When I reach out to Apple Card customer care, I get a form response stating they will get a supervisor to look into it. I have submitted evidence of the merchant refusing to give me the merchandise or refund. I don't believe there are actual human beings looking into disputes at XXXX XXXX XXXX XXXX XXXX. Each communication seems like a canned response and they do not seem to understand what is going on. I placed the order on XX/XX/XXXX, XXXX months later I still have not received the merchandise. I will not pay for items that I have not received. My last correspondence with the merchant in XX/XX/XXXX indicated that they will ignore my requests to get the merchandise. I have no interest in continuing to beg for the merchandise for which I have paid. I find this unacceptable. XXXX keeps putting this charge back on my card. This is tying up a portion of my credit limit. From my perspective, XXXX XXXX is assisting the merchant by continuing to let them hold my money/property and not giving me the merchandise. All parties involved are jeopardizing my credit. I have spent hours trying to rectify the situation. This has been the worst customer service experience Ive had with any company. Ive attached some screenshots.
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| 02/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Older American |
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I have had an Apple Card for 3 years and have always paid my balance in full every month and have had to any interest. In XX/XX/2022 I was looking at my transaction page and saw where this merchant which I knew had charged my card multiple times on that day I was checking it. I am talking a lot of money. I right then got in touch with the merchant and notified Apple Card. I have to be honest I am terrible at checking my monthly statements but I had noticed that XXXX and XXXX my bill was high but just thought I needed to slow down on spending. I checked the previous 2 months and there were numerous charges from that same merchant. I then turned them in also. I am talking over 70 transactions and thousands of dollars. It was a 4 month ordeal and they were all ruled in my favor. Apple Card has not credited my account with all the charges to this day. I have all the dispute transactions in my favor. I did have to dispute most of them a second time. On Monday morning XXXX XXXX, I got an email telling me my account had been closed for not following their agreement. I called them and they said read your email. I said why would you have done that. I pay my bill every month. Oh and they had just given me a XXXX line of credit raise.My credit line was {$37000.00} after the increase. There is still a XXXX balance but I know if they would had posted all the charges that I won in my favor they would owe me. I asked them if all the disputes were complete and they told me no and I said how can to close my account and I know you have not credited my account with some that I won. I have figured there is about {$10000.00} worth that had not been credited to my account. I have all the resolved emails, snapshots of my account and the ones they have not credited me. When I asked how many disputes were still open, and they said 12 and I said I dont know how you can close my account. I said well how do I know my balance will be the same and she said well there is only 3 left and its figured into your balance. That was a lie. They were trying to get me to pay off the balance on Monday and I almost did, but thought something is not right. I have all the chat messages also. I dont want their charge card anymore that dispute fiasco was a nightmare for 4 months. But I do want what is coming to me, I had payed for XXXX and XXXX and didnt catch it until XXXX, but at least it was at the beginning of the month. I have a credit score of XXXX and I dont want it to be destroyed from this. I did nothing wrong but dispute fraudulent charges!!!
|
| 08/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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Web |
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On Wednesday, XX/XX/XXXX, I contacted Apple Support after receiving a message that my account had been " restricted '' and I was unable to make purchases. After speaking with customer service, I updated my password, and I was asked to confirm a transaction I made. I confirmed the purchase - a SIM card from XXXX, so I can use my phone while traveling this month in the XXXX. They told me I would need to confirm a verification code sent to my device. I did not receive the code, and I told them this was probably because I had changed SIMs and can not receive calls or texts to my primary number since I am abroad. I was connected to another supervisor who said they would help me get the restriction lifted. I explained the situation, but yet again, the rep asked for me to provide a verification code that I can not receive. I was then connected to yet another " Specialist, '' who transferred me to another " Specialist. '' I explained the situation yet again, and was told that another " Specialist '' would reach out but that they did not have a timeframe on when I would be contacted. At this point, the " restricted account '' was changed to a " locked account. '' On XX/XX/XXXX, I contacted Apple customer service again and was connected to a " Specialist '' who reiterated that they could not provide a timeframe for the account 's review and apologized for the inconvenience. I lodged a complaint which the " Specialist '' filed on my behalf. On XX/XX/XXXX, I reached out to Apple customer service again because I received my paycheck and realized that I was unable to make card payments using the app due to my account being " locked. '' I was told that my account will continue to accrue interest despite it being locked. The specialist said I can still make payments via the phone, but I explained for the millionth time that I am out of the country and I am unable to make calls from my primary number. The specialist apologized and told me they would try to find a way to get " everything worked out for me. '' Then, without a further reply, I was transferred to ANOTHER specialist. I explained the saga again. I was told yet again that they could not provide a date or timeframe for my account 's review. I told them that I would be filing a complaint with CFPB and warning anyone against opening an Apple Card account. They made note of the complaint and my XXXX number. I have heard nothing since this final communication, and my account and card remain locked. I can not use my card or make payments on my current balance.
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| 07/25/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2023, I contacted Goldman Sachs in regards to a goodwill credit that was provided to other customers for problems with outgoing withdrawals in the month of XXXX. It is my knowledge that several customers were given a goodwill credit in the amount of {$100.00} due to the lag in processing of outgoing withdrawals. In XXXX, XXXX, and XXXX, Goldman Sachs had extremely negative user reviews and several articles published within multiple news sources that described the failure of Goldman to properly process withdrawals, which dissuaded me from attempting to withdrawal from my account, especially in the month of XXXX. Upon contacting Goldman, I was informed that a case was submitted to review my request for a goodwill credit by representative XXXX, my case number was XXXX. I received a follow up phone call from supervisor XXXX XXXX on XX/XX/2023, at approximately XXXX, informing me that my request had been denied. When I questioned why, I was informed that it was because Goldman conducted an internal review and identified impacted customers. The reason I did not attempt a withdrawal is due to the serious issues many consumers faced in the month of XXXX, all of which are clearly available to view with a simple XXXX search. I requested a formal letter be produced so I could forward to the CFPB, and I was told the matter needed to be reviewed with Goldman 's Legal and Compliance Teams and that I would receive a call back. On XX/XX/2023, at XXXX I received an email stating that Goldman was unable to reach me and to utilize the chat feature within the Apple Card Wallet app to get in touch. I did so, and spoke with a XXXX, who transferred my chat to a supervisor, XXXX, who informed me that he had escalated my request for a formal letter and that I needed to " check back with them in 2 days ''. I am extremely frustrated with the lack of responsiveness, the lack of empathy, and the disparate treatment I have received from Goldman Sachs. I am requesting that my goodwill credit request be honored as I AM an affected customer. Goldman 's declination to provide me this credit could be considered disparate treatment. Goldman neglected to provide thorough Account Disclosures at the time of account opening, and lacked directive on how long funds transfers would take when initiating a withdrawal, which has since been updated. Please advocate on my behalf to get this credit approved. No one should have to spend hours chatting and calling to get told the exact same thing, that it was escalated and to check back.
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| 05/25/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I created a XXXX savings account after reading about it on XXXX. Account creation goes smoothly. After the account is created, in order to link my bank they make 2 small deposits. That step goes without issues. At this point I'm able to transfer funds into my newly created account. This is also when the problem arises. I make a XXXX dollar test transfer to see how long it takes. No issues. I deposit XXXX. No issues. I setup my cable auto pay for my cable company. When the date comes around and the XXXX account gets pinged for the money, it gets " paid ''. A day later my XXXX account is credited with those funds and I get a call from my cable company notifying me of this issue.
This is when things go south. I call XXXX to find out more information. I am told repeatedly that my account was frozen and in order to unfreeze I would need to send a copy of my bank statement ( the one linked to the XXXX account ). That seems like normal procedure until I heard the email address. XXXX. Now I'm super sketched and on high alert.
I wanted to know why this was happening. What caused it. Was there security issues I needed to know about to prevent this from happening again. I was informed that he did not have the answer. If he did have the answer he would not be able to give it. I would not be able to speak to anyone with these answers. He could not tell me how long the process would take to " unfreeze '' my account. At this point, I completely regret opening this account. I realize that I would have to go through this convoluted process in order to " unfreeze '' my account so I could transfer my money out and leave XXXX.
I tried paying a cable bill. That's how all this started. But let 's say it was for something important or life threatening. I was emailed confirmation my bank was linked to XXXX. With no warning from XXXX, and not until I tried to access my funds, did something actually happen. Even then it wasn't until I called and dug around that I found this out.
Also had I not have called in to find out I needed to send my bank statement, I was not going to be informed about it. But they would have let me to continue to deposit money. Live chat through their website gave me a similar answer. Call this number ( the one I called before ) to solve your issues.
I go on XXXX and do a quick search about XXXX accounts. Within seconds I find a crap-load of others in similar situations as mine. I guess a portion of the blame falls on myself as I should have done more research before opening this account.
|
| 06/29/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I had a horrible experience with Marcus customer service when I tried to perform an outbound ACH transfer to a linked external bank from my Marcus savings account ending in XXXX on XX/XX/XXXX and XXXX. Marcus Bank held my money for two days due to no fault of my own. The lack of knowledge and training exhibited by the customer service representatives were very concerning.
Most of the agents just keep repeating the same thing over and over as if they are reading from a script. They do not seem to be capable of dealing with issues which they are not familiar with. I wasted many hours on the phone with multiple agents and suffered financial damages and wasted many huors of my time. Below is a timeline of events.
XX/XX/XXXX XXXX - Spoke with a supervisor who helped me submit an outbound ACH transfer request to a linked external bank account and was told someone will call me soon for PIN verification.
XXXX - Called Marcus because I did not receive a PIN call and was told to keep waiting.
XXXX - called customer service again and was told someone will call me for the PIN and told me to keep waiting.
XXXX - called customer service again since no PIN call was received and was told to call back the next day.
XX/XX/XXXX XXXX - My Marcus account was frozen and I was not able to log in, so I called customer service and was connected with someone in the fraud department who wanted to setup a three way call with the external bank to verify my account ownership at the external bank. he put me onhold to call the external bank. then he tells me the agent at the externalbank told him they do not do third party verifications and he removed the linked bank account from my profile. I later called the external bank and was told the bank does allow third party verification but they were suspicious of him and they refused to give out any customer information to him.
XXXX - Called customer service and spoke with a supervisor who helped me submit an outbound wire transfer request to the same external bank account and was told someone will call me soon for PIN verification.
XXXX - No PIN call was received and I did not want to wait for the PIN call which might never happen so I called customer service again.
Finally I spoke with a supervisor named XXXX who was very knowledgeable about the issue and helped me complete the PIN call and connected me with someone from the fraud department who setup a three way call with the external bank and verified my account ownership. The wire transfer was completed the next day.
|
| 03/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I traded in an old XXXX as part of an online purchase through XXXX and was told I would receive a trade-in refund of {$110.00}. The card I used in connection with this purchase was an Apple Card issued by Goldman Sachs. When I received a {$110.00} credit to my card on XX/XX/2022, this triggered an automatic " Daily Cash Adjustment '' debit of {$3.00} ( 3 % ) on my card because the transaction was coded as a " refund '' even though it is really a trade-in. I understand that this card features 3 % cash back on XXXX purchases, and that if those purchases are eventually returned, then Goldman Sachs needs to account for 3 % cash back as part of a return. However, this trade-in transaction is NOT a return, and I shouldn't have the " Daily Cash Adjustment '' deducted from my trade-in because I never received a corresponding Daily Cash reward in the first place. If XXXX would have had a different card on file for my trade-in, I would have received the full {$110.00} amount as part of my trade in. I repeatedly called XXXX/Goldman Sachs on XX/XX/2022 and was repeatedly passed to different departments at both companies and told I was wrong. Eventually, after escalating to a manager, I was told by the manager that I was indeed correct and that this Daily Cash Adjustment was made in error and that the underlying business logic being used for trade-ins at Apple Card is incorrect for this circumstance. However, the individual declined to issue a refund and instead indicated that a billing dispute would be initiated on my behalf and that they would follow up with me within a week. It is now XX/XX/2022 and there is no evidence of any resolution. I am frustrated about an absolutely terrible customer support experience and am upset that Apple Card is routinely, unfairly, and erroneously garnishing 3 % from every XXXX trade-in that takes place on an Apple Card. They are entitled to reconcile purchases/returns for cash rewards, but this makes no sense to apply to trade-ins, and the fact that I am only being charged this fee because I am using an Apple Card instead of another credit card is clear evidence of that fact. I am filing this complaint with CFPB because I have been unable to receive satisfactory resolution by directly engaging the company, and moreover, the company responsible for supporting me as a customer is failing to offer a clear and transparent way to contact them, and instead passes customers between XXXX, Goldman Sachs, and various other third party service providers without taking responsibility.
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| 11/28/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
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Web |
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On XX/XX/XXXX, my phone could not make any calls. I use another phone to call XXXX and found out my phone number was ported out by somebody in New York who stole my phone number and identity. I contacted XX/XX/XXXX and had a fraud alert placed on my account. I then also purchased an identity-theft product from XX/XX/XXXX and paid for it for the next three months before canceling it. XX/XX/XXXX confirmed that no new accounts were opened up when I initially spoke with them to report the fraud and they led me to believe that no new accounts could be opened since I had the fraud alerts and their identity theft product purchased on my account. I was absolutely shocked to find out that in XXXX, when my identity was stolen ( which was AFTER I had the fraud alert placed and purchased the fraud product ), that a new account was created fraudulently in my name and that over {$7000.00} was charged. I did not believe this was possible since I had a fraud alert on my credit and the fraud protection service. I just found out about the fraudulent Goldman Sachs Apple Card even though it was opened in my name last XXXX. I found out about this fraudulent Apple Card account about two weeks ago when my credit was run because I am trying to purchase a home. As a result of this fraud on my account, my credit score has been ruined, which will cost me thousands of dollars extra when purchasing a home. I was told by Goldman Sachs Apple Card that the account was closed and charged off before I even found out about it. I also was informed that the reason why it took me so long to find out about it is because Apple Card does not send out any paper notices to their customers.
I contacted Goldman Sachs Apple Card right after I found out about the fraudulent account created in my name. This phone call took place on Saturday, XX/XX/2020. I spoke with XXXX, the supervisor of the Fraud Department, who stated that he would escalate my case and try to get it resolved as quickly as possible. I was told to file a police report and an Identity Theft Report with the Federal trade Commission. I was unable to file a police report because the crime did not occur in in my city. I did file an Identity Theft report and I sent it to Goldman Sachs Apple card. I was told that it would take Goldman Sachs Apple Card a maximum of 14 days to resolve the fraud. I absolutely need this deleted off of all 3 credit bureau 's reports ASAP, otherwise I will have to spend several XXXX dollars more than I should have to in order to purchase a new home.
|
| 12/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American |
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Todays Date : XX/XX/XXXX I bought 2 XX/XX/XXXX from Apple.com. Apple offered me their Apple card to pay with installment with no interests for 24 months I applied and got a credit for {$5000.00}.
After I completed the transaction, I received statements Goldman Sachs. In my wallet showed I which they awarded me a daily cash. I was not consulted nor I was awarded of beautiful rewards. Few weeks later I returned both phones and asked for a refund thinking that my account will come back to XX/XX/XXXX= {$5000.00} the original credit I was given.
Since I did not owe them anything I decided to close my account. I searched several ways to close my account, but I could not find the way to do it, nor an explanation of this daily cash in my balance. Very, very hard to do it. Instead it appeared {$4800.00} and {$150.00} cash in my cash card.
I contacted numerous Apple employees, equal to numerous hours hanging on the phone and transferred to 7 different departments until finally reached the one that told me that my account had to be dealt with Goldman Sachs ( the issuer of the card ). This was after 2 HOURS.
By the way, none of all the employees I spoke with would volunteer the direct telephone number to Goldman Sachs Apple card billing department.
Finally, XXXX, Goldman Sachs employee informed me that in order to close the account I had to spend or give {$150.00} surplus money to someone else, as a gift. I was forced to put his bank acct. routing number and bank acct. number and transfer that money to him.
The {$150.00} surplus money in my Apple Credit Card got accumulated from the daily cash. It was preventing Goldman Sachs closing my account. XXXX, made it very clear that I needed to spend {$150.00} in order to get rid of the Apple Card Account. After a painful step with her on the phone, I succeeded to complete the process. Eventually, she proceeded to finally close my account.
Now, I am intrigue by this manipulative Apple Card / Goldman Sachs act that only them can explain. What would happen to my friend when he will receive this money. Because I asked XXXX at Goldman Sachs and she did not know. I am afraid that I did something wrong or illegal following instructions following Goldman Sachs employee.
Relating this to my friends, they reminded me that in XXXX Goldman Sachs defrauded investors.
Goldman Sachs Finally Admits it Defrauded Investors During the Financial Crisis https : XXXX Sadly, the government instead of punishing them gave millions of dollars bonuses to its CEO.
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| 06/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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APPLE CARD MARKETING SCAM. Apple Card XXXX ( i.e. Goldman Sachs ) has incorrectly advertised how Apple Store Installments are utilized within your Apple Card balance & all payments that you make towards your " installment '' product purchases will NOT go towards the balance of the installments- but rather, Apple creates a fake " credit '' on your account - therefor keeping the balance high on your card. Also... Goldman Sachs & Apple are NOT the same team. They don't talk to each other and look at completely different systems in troubleshooting any issues you may have with your " Apple '' Card.
Apple Card 's whole marketing lure is that if you apply for the Apple Card you'll qualify for 12 or 24 month 0 % Interest. However, what they don't tell you is that when the purchase is made within an XXXX XXXX, the XXXX XXXX Employee MUST choose installments before finalizing the purchase... otherwise, the product won't qualify for the 12 or 24 month 0 % interest program. Most employees, store managers and even Apple Card remote representatives are unaware of this purchase qualifying process. So if you're like me, you have {$9000.00} in purchases that were incorrectly allocated- and re-allocating them into a 0 % interest program is virtually impossible.
Now ... when the purchase is finalized, there is no way within the XXXX XXXX to go back and re-allocate the product into a 0 % installment plan. How do I know this? Because Apple 's " backend team '' has been trying to re-purchase my product virtually to re-allocate the XXXX XXXX I purchased with my Apple Card into a 0 % installment plan. But because Apple doesn't speak with Goldman Sachs, it's flagging Goldman Sachs Fraud Department. So now Goldman Sachs has locked my card preventing any other product purchases because of what APPLE is doing.
Now for the worst part... If you have any products allocated as " installment plan '' purchases with Apple ( i.e. XXXX XXXX for 24 Months 0 % Interest ), any future payments you make WILL NOT go towards the balance of the Installments. Apple ( or Goldman Sachs ) has decided that you'll get a " credit '' on your Credit Card. Basically, no matter how much you pay towards the balance of your credit card, it will not bring the balance of the card down. This keeps a high balance on your " credit card '' and reports as such to all the bureau 's as such. Conveniently, Apple doesn't report the " credit '' they've placed on your card to the bureau 's - therefor greatly affecting your credit worthiness.
|
| 03/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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Hello, i purchased a online drop shipping course on XX/XX/2021. The company claims the info in the videos contains " sensitive material. '' However, the person who teaches the course, is also teaching it for free on XXXX. The person has multiple videos on his channel and even has a video titled " Complete XXXX tutorial for beginners XXXX '' Upon purchasing the course i only have watched the first video and realized the guy is teaching this for free on XXXX. So upon realizing this, i contacted the company for a refund and the customer service rep stated if someone has watched less than 20 % of the course they issue a refund and stated that i have watched 42 % of the course, which is not true. I can login in the website and all videos have a tracker of which ones i have watched. Only the XXXX one has been watched. Once the rep told me he won't issue a refund, i filed a dispute on XX/XX/2021 with my credit card company. Since then i have been laid off, contracted XXXX twice and XXXX XXXX and had to move because of job. By this time it was around XXXX and i realized i never got an email stating the resolution of my dispute. So i contacted my credit card company again and they filed a new dispute. After filing the dispute, i got an email stating my dispute has been cancelled because there is already a dispute pending. From what i understand, dispute must be resolved within 90 days, it obviously has been longer than that. I contacted the credit card company again and they filed a dispute again. I submitted the documents necessary proving my case, i will be attaching the same document here as well. After 2 months, i received an email stating my dispute has been denied because there isn't enough evidence. Which is surprising considering i have attached a lot of evidence regarding the matter. i contacted my credit card company again and asked them to provide me with documents that were used to make this decision and they emailed me the same email I received originally stating there isn't enough evidence. You would expect the company to ask for specific relating to the matter but no its just a vague sentence. I asked them i would like to appeal the decision and the credit card rep told me they don't do that and i would have to file a dispute again. From what i understand, according to the law i have a right to file an appeal but somehow they don't do that here. I will be attaching a document with more specifics in the below section which contains all the evidence proving my point.
|
| 08/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Hello I have had an apple card for close to 1 years now, recently someone tried accessing my apple ID, and tried to reset the password, I was diligent enough to stop them accessing my account but they called apple used my information and requested that my card account be closed on XX/XX/2023, they also reported charges I made for a video game I play online through a client called Steam, I contacted apple fraud and told them multiple times that someone tried accessing my account while I was talking to them I notified apple if anyone is trying to change my information it was not me. the next day before I leave work as I go to use my card to get an XXXX XXXX, noticed my card account was closed, I stayed up till XXXX on the phone with apple card services, and they keep telling me that I called earlier and requested that my account be closed, I said that's impossible I was at work from XXXX I had no way of contacting them, I contacted fraud and they said they will look into it, fast forward a week later and I'm talking to fraud and the said that I called verified my information and closed my account, which couldn't be further from the truth I asked if there was a way I could further verify who I was aka birth certificate, social security card or bank statements, files that only I could have access too, and they kept saying there was nothing I could do and I would have to re apply to get my account back, obviously very upset about what was happening, I put a freeze on my credit reports and put out a fraud warning across all accounts, then the next day I noticed some strange activity on my capital XXXX account, someone called pretending to be me and changed the card number on XXXX of my credit cards, Immediately called XXXX XXXX back and let them know I didn't call them to change my card number asked them to heighten security around my account because I just issued a freeze, I have an Experian account with fraud detection, and have just signed up for XXXX 's XXXX which XXXX signed XXXX the freezes with ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX alert, utilities security, payday loan lock ) I signed up for multiples freezes because I am scared of who has my information, I believe with apple card services was not being helpful at all, and I'm at risk of my credit hurting because of this, and its not my fault. though my XXXX account I'm notified of when my information is on the dark web and I have gotten notification recently that my email and password was out there as well
|
| 08/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I have setup statement balance recurring autopay since account opening. My XXXX statement balance payment was {$920.00} which was due by XX/XX/XXXX. My statement balance autopay was triggered to pull exactly {$920.00} on XX/XX/XXXX. However, the autopay pulled my payment twice, XXXX on the XXXX and one on the XXXX in the amount of {$920.00}. Because of the two payment my next statement balance cut at {$820.00} which was due by XX/XX/XXXX I have noticed this system error on XX/XX/XXXX and requested to refund back one of two statement balance payment. Instead of refunding the agent performed a payment reversal. At this point I do understand that my statement balance is no longer {$820.00} and should be {$820.00} + the reversed amount of {$920.00} ( the system error double payment reversal ) Because of my statement balance autopay setup I did not worry about checking if the autopay will pull both the reversed amount and previous statement balance amount. In the end the auto only pulled {$820.00} instead of $ XXXX {$920.00} and considered me delinquent and charged {$11.00} of interest. This is obvious system error that I was initially put into this in the first place because Goldman pulled more the required amount to pay. This seems illegal use of autopay where banks are pulling more than authorized and also more than required to pay.
I did complain about this and explained very clearing what caused this interest and the agent kindly waived the {$11.00} of interest. At this point I expected Goldman to take the initiative to watch out for any trailing interest that this will cause. As planned my autopay for statement balance was made and unsurprisingly I saw trailing interest of {$9.00}. I requested again to waive but the agent was not able to waive because of previous cycle {$11.00} interest waiver.
Because I have credit card knowledge I knew exactly what happened and clearly was the bank system error. I understand this can happen but share great concern to other Apple card user with less credit card knowledge just paying this interest which wasn't even supposed to have been charged in the first place. There was no proactive remediation steps performed and inhumane on all the interest revenue Goldman and Apple is collect at such global hardship time. Please investigate this and get Goldman to do a full remediation on not just me but the whole portfolio that was impacted by this. This should be both interest credit but correction on my credit bureau report
|
| 08/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
I am filing this complaint because I have contacted Apple Card ( general Mastercard account serviced by Goldman Sachs Bank ) over five times in the past five days and the customer service representative has been unhelpful and has failed to follow up on my concern after saying they would within a 24 hour timeframe. I received an e-mail communication from Goldman Sachs Bank on XX/XX/2020 saying that my Apple credit card was canceled ( email attached ) due to Failure to comply with the terms of the Card Member Agreement or Rewards Agreement. Upon receiving this email, I carefully reviewed all my available credit card statements and the Goldman Sachs Apple card member and rewards agreement again and first called the bank at XXXX on XX/XX/XXXX at XXXX XXXX ( pacific time ) and spoke with a representative named XXXX who attempted to find the reasoning for the account closure. Even the Goldman Sachs representative, XXXX was baffled and could not find the exact reasoning behind the closure of my account. XXXX stated she would make a notation on my account and submit it for further review. XXXX did not have the resources to help me further other than to forward my inquiry internally to another escalation level. I am not satisfied with the reason for the closure of my account because it is ambiguous and does not clearly state the specific reason of an alleged violation. It only states an ambiguous failure to comply with the card member and/or rewards terms, which is not acceptable. Attached to this complaint are all the copies of my credit card statement since this account was opened. As my account history shows, there is no activity or transaction that constitutes a violation, breach, or failure to comply with the card member and rewards agreement terms. It seems that the bank or the system that the bank utilizes has made the decision to close my account based on an unqualified arbitrary reason that is not specific, lacks a qualified reason and is certainly ambiguous. I have relationships with several other banks and unfortunately, I have never encountered such a situation where only a generalized ambiguous reason is given without any specificity nor have I ever not be given the courtesy of a notice via mail or phone call before an account closure action. This type of conduct has a negative reflection of Goldman Sachs Bank in my view and will affect my decision to ever have a relationship with the bank if I can not get a clarification of the closure reason.
|
| 06/20/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have an online savings account with Goldman Sachs Marcus. I believe Ive had this account for 6+ years. It was previously a XXXX XXXX XXXX account that was bought by Marcus. During my time of having this account I have been able to deposit and withdrawal as well as open new accounts ( additional savings and a CD ) without issue. Last week I linked an additional outside account to my savings for transferring funds in and out. Last week ( I believe it was the XXXX ) I requested a transfer of {$20000.00} from my Marcus account to my newly linked and verified savings account at XXXX XXXX XXXX XXXX. Marcus froze my account. I had to call them to see why my transfer did not go through. They said they needed to authenticate my XXXX XXXX XXXX XXXX account so we did a three way call with both banks and myself. I was told by the Marcus customer service person that my account was not unlocked and the transfer should take place within 24hours. It did not. Marcus reversed the transfer. I called today and after speaking with three different customer service representative they said the {$20000.00} fund transfer was canceled because I didnt get back to them to authenticate my account in time. Marcus froze my account, held the transfer and authenticate and approved the transfer all on the same day. I believe it was the XXXX. I requested another transfer from Marcus to XXXX XXXX XXXX XXXX today ( the XXXX ) when I saw they reversed the other one. I called Marcus to find out why the other one was reversed and they told me what I shared above and assured me this one would go through without any issue. An hour later I get a call from Marcus telling me my account of locked and they can not unlock it because they cant verify who I am. Almost XXXX weeks ago I have no issue transferring {$1500.00} to XXXX. But now that I want to transfer a larger amount they wont let me. This is very suspicious. Im not sure if they dont have the funds to do this. When I call Marcus representatives ask for the last four of my social security number, my birth day, and my secret word. But, to unlock it thats not good enough. I now need an affidavit notarized saying I am who I am and it would take 3 days to process once they receive it. Something is wrong on their end that they will not allow me to access the larger portion of my account. I am waiting a call back from Marcus now. If they call it will be the XXXX Marcus representative Ive spoken with today. They are holding my money hostage.
|
| 06/16/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX, I made a transfer from my XXXX XXXX XXXX account into my XXXX XXXX Account. This transfer amount was for {$25000.00}. The transfer was processed and credited into my XXXX account on XX/XX/XXXX. Later once the transfer cleared, I requested XXXX XXXX XXXX to close my account, which had approx less than {$1.00} remaining. The next few weeks, everything was normal and I has no issues. I had about 60 % of my cash savings held at XXXX.
On XX/XX/XXXX, XXXX XXXX decided to temporarily lock my account and requested I call them to get this unlocked. I decided to call XXXX on XX/XX/XXXX, which was the only day I had time to get this resolved and had to wait over 20 minutes to reach someone. After, reaching someone, the customer representative explained to me that they locked my account because they were unable to verify that the funds that were deposited on XX/XX/XXXX came from an account under my name. I can confirm that the money from this account did get sent from an account belonging to me and is in my name ( see attached screenshot for proof ). After about 40 minutes, I was told that the only way this lock can be removed was by getting this money reversed back into my old account. This is the same account I closed. Even after explaining this, they stated, unless the money was reversed, there would be no way they could unlock the account. As such, I requested to speak to a supervisor and was told someone would contact me the following business day. On XX/XX/XXXX, I received no phone call. I called back a spoke to another customer representative and decided that as they held my funds hostage, I had no choice but to get the money transferred back to my closed account. I spent another 20 minutes speaking with XXXX XXXX XXXX about how they would get the money back to me, however that conversation yielded no answer apart from, we can tell you once the money hits our account. So on XX/XX/XXXX I called XXXX and spent another 15 minutes on hold and reluctantly provided authorization for them to reverse the funds to the closed account.
So far, I'm very unhappy about this. Had there been an issue with the naming on my account, this should have been caught way before XX/XX/XXXX and if they did have this issue I could have provided proof that the account was in my name. In addition, if they were not happy with the proof, at least the account would be open and that would ensure that I can easily have access funds once the reversal was processed.
|
| 08/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Goldman Sachs is violating interest laws, credit card interest and payment laws, the EFTA and FCRA and has continued to do so after being informed multiple times.
Background : Goldman Sachs acquired XXXX XXXX XXXXXXXX XXXX Card user accounts in XXXX of 2022 Due to alleged system issues they failed to process ACH payments resulting in false late payment account fees, no communications being sent to consumers.
Multiple inaccurate fees were added to my account and I was informed they removed them. I tried multiple times to have my payments processed and when they continued to fail to process them I decided I wanted to pay my account in full to avoid the incompetence of Goldman Sachs and never do business with them again.
On XX/XX/XXXX, I called in, expressed my frustration and was told the full amount due that i needed to pay to close my account.
I paid and brought it to a XXXX balance which posted to Goldman Sachs on XX/XX/XXXX.
Then, I received a notice that Goldman Sachs reported me as late to the credit bureau. I filed a complaint with them ( and the CFPB ) and I received a call from the management team and I was informed they shouldnt have reported that, they had too many issues with the acquisition and that they were supposed to abstain from credit reports.
At the beginning of XXXX, I received a call from them, they said they got it cleared up and everything was resolved.
They filed a response to my CFPB complaint about that single issue stating " WE NEVER REPORTED YOU TO THE CREDIT BUREAU, which was false, they indeed HAD, but I was fine with the matter being closed.
Then today, I received a COLLECTION CALL. They said they had 'trailing interest ' they decided to apply to my account on XX/XX/XXXX in the amount of {$23.00} and then they assessed a late fee and reported me to the credit bureau XXXX
CFPB, I am FED UP with the multiple violations of federal law. Goldman Sachs needs to be investigated for the acquisition of XXXX XXXX XXXX XXXX customer accounts.
They are violating EFTA laws ( ACH payments ) FCRA laws for false reporting AND likely the CARD act for illegal interest accrual and payoff.
To Resolve : waive the illegal interest, illegal late fee update my credit bureau that I confirmed today with your employees that GOLDMAN HAS RE-REPORTED ME TO THE CREDIT BUREAU THIS ACCOUNT WAS PAID IN FULL ON XX/XX/XXXX for the SOLE PURPOSE of ALLEVIATING MYSELF FROM GOLDMAN SACHS INCOMPETENT ACQUISITION OF MY ACCOUNT.
|
| 09/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
CFPB, this is not a duplicate complaint. We have additional questions that need to be answered! This complaint is for Goldman Sachs Bank only to answer the following questions.
1st, when Goldman Sachs purchased our loan in XX/XX/XXXX from XXXX XXXX XXXX and placed our loan/asset into a pool of trust known as XXXX XXXX XXXX XXXX XXXX, did XXXX XXXX bundle our mortgage loan/asset with other loans/assets in XX/XX/XXXX-XX/XX/XXXX and sell them to another investor?
2nd, did Goldman Sachs ever violate any federal or state laws from XX/XX/XXXX to XX/XX/XXXX regarding the performance of subprime residential mortgage backed securities ( RMBA ) as documentation reflects?
3rd, does Goldman Sachs still maintain electronic records that will reflect who Goldman Sachs sold our loan to in XX/XX/XXXX-XX/XX/XXXX?
4th, is Goldman Sachs policy, to maintain accurate records at all times?
5th, is n't it a fact that Goldman Sachs Bank is not responding to our questions because Goldman Sachs knows that our mortgage loan/asset was part of the Justice Department investigation in XX/XX/XXXX which found Goldman Sachs guilty in conduct in packaging, securitization, marketing, sale and issuance of residential mortgage backed securities RMBS ) between XX/XX/XXXX-XX/XX/XXXX and agreed to pay {$5.00} XXXX in connection with its sale of residential mortgage backed securities?
6th, is Goldman Sachs aware that due to these bad business practices from Goldman Sachs, XXXX XXXX XXXX ( our previous servicer that Goldman Sachs owned ), XXXX XXXX XXXX, the trustee, XXXX XXXX XXXX have caused us mental and emotional damage?
7th, is Goldman Sachs aware that we still maintain a mortgage balance of {$250000.00} even after fraud by your company has occurred?
8th, is Goldman Sachs aware that your company violated our rights, federal and state laws along with consumer rights which has caused us mental and emotional damage?
9th, is Goldman Sachs aware that if the original note and the original Deed of Trust has been lost, Goldman Sachs, XXXX XXXX XXXX ( our current servicer ), XXXX or the trustee, XXXX XXXX XXXX ( the trustee ) can not legally enforce our loan documents nor the HAMP modification in XX/XX/XXXX that reconfirms the original mortgage documents?
10th, is Goldman Sachs aware that multiple federal and state agencies have complaints regarding the servicing of our mortgage, the fraud that occurred by your company and that we are seeking justice and compensation?
|
| 12/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
Company is claiming to be creditors. I found this mistake in the Card Agreement. Stating that " This Agreement is entered into between you and us in the State of Utah and " WE EXTEND CREDIT TO YOU '' from Utah. '' I am going to need proof of HOW they are creditors. How can they be a creditor AND a debtor? Where is my finance charge? If they are creditors, that would mean I myself the consumer, provided a finance charge. Here is the definition of a creditor by law.
Creditor- ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter.
They are in violation of 15 U.S. Code 1692e - False or misleading representations. Also they are in violation of 15 U.S. Code 1611- Criminal liability for willful and knowing violation.
|
| 11/04/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I am here submitting a complaint against 'Marcus by Goldman Sachs XXXX in potential fraud that it attempted to perpetrate against me ( and my XXXX brothers who received the same mailing ) with regards to benefits purported to be available and owed to us as a result of my father 's death. I am a grieving widow and daughter -- having lost both my father and my husband in the same XXXX XXXX XXXX in XX/XX/2022. A few days ago my self and my two brothers each received a XXXX priority mailing from Goldman Sachs Bank. Although the material purported to be sent to me as a " named beneficiary for a deposit account '', the name of the deceased was not included in the paperwork nor was there any specific information included about said account. The lengthy document did however include requests for a substantial amount of personal information, with the mailing also including a pre-paid envelop -- all very official appearing. Several calls placed to Goldman Sachs in order to verify the mailing were met with obfuscation ( in one instance ) and finally ( in a second call ) a concession that my father 's Goldman Sachs account had been closed and, for some reason, still held {$3.00}.
I want to know from Goldman Sachs : Why did they contact us if my father 's account was already closed? Further, I want Goldman Sachs to explain why the following personal information was demanded of me in its mailing to me as a supposed beneficiary of an account ( which was in fact not the case since the account was closed ) : -- My father 's death certificate -- My completed XXXX including my social security number -- My date of birth, address, and full legal name -- A notarized copy of my state/US government identity card -- Verification of my willingness to undergo a background check In addition to my receiving a XXXX share of {$3.00}, what use did Goldman Sachs have planned for my personal information? And finally, I want Goldman Sachs to provide a response to how it planned to safeguard my personal information? I am astonished, quite frankly, by the blatant attempt by an apparently legitimate company ( Goldman Sachs ) to extract my personal information and that of my deceased father. I can't help but suspect that Goldman Sachs is engaged in data harvesting, which could leave me vulnerable to identity theft. In submitting this complaint, I want to force Goldman Sachs to explain itself in order to safeguard other vulnerable Americans.
Sincerely, XXXX XXXX XXXX
|
| 03/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
I've had a terrible experience with Apple Support with an Apple Pay in app purchase refund.
Upon XX/XX/2023, XXXXXXXX XXXX XXXX I had some purchases that came through to my bank from the apple XXXX and I noticed my funds going down XXXX dollars in under a hour or so.
I've given permission to my child in the past to use the apple XXXX but not by this much after scolding him for such reckless degenerate behaviour I became immensely worried as this was simply too much money wasted way too quickly.
I thought to myself why does APPLE not flag these purchases at all and deny them?
I'm not wealthy by any means and so having that much money disappear from my bank account that fast is just something that has caused me immense financial difficulty.
I had looked up ways to recover my funds i thought at first of going to my bank but realized that apple must have some way for customers to be refunded for virtual content purchases. I've heard horror stories before from games like fortnite where kids would spend thousands of dollars and place their parents in debt with charges that'd never be refunded from lootboxes and other virtual content so I was worried this would be a similar situation.
I contacted apple support under 1 and 2 hours immediately after these purchases for a refund.
exact date and time I had contacted them was Mon, XX/XX/XXXX, XXXX XXXX so I was within a reasonable timeframe for a refund.
as the purchases were made XX/XX/2023, XXXXXXXX XXXX XXXX It should've been rather simple for apple to rollback any purchases made instead I had several days of my time wasted by their support in which time I've been in the red on my bank account.
the fact that their support takes an insanely long time to resolve trivial issues like this says something alot about them and their total disregard for the customer.
This mind you was the first time in my entire life I've ever been through their refund process. Perhaps they discriminated me because of my foreign sounding name? Or simply just didn't care enough whatever may be the case I'm extremely angry at how they've handled my case.
Apple in app purchases shouldn't EVER have a refund denied if its done in a timely manner especially for someone first time especially in the case of lootbox/virtual content that has no tangible nor material presence.
i've literally lost money because of pixels on a screen and apple simply can not just rollback all of the content?
give me a break.
|
| 06/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Re : XX/XX/XXXX charge of {$1600.00} with XXXX XXXX on a new Apple Credit Card for 2 x hotel rooms. I have spent at least 5 hours of detailed chat, phone calls and follow up ( always from me - never from Goldman Sachs ) for the last 5 months chasing a resolution. I do not believe any effort was made to reasonably resolve the situation or even work on a make good nor do I above an evidence of this. As quickly as within an under an hour of the booking being made I attempted to cancel due to one of the parties family illness and being unable to travel from UK to USA for the hotel booking. Through the many follow ups from Apple and Goldman Sachs I was told the charge was in dispute then told it was moved to 'elevated dispute ' as many as 3 times on different occasions. This was always after long waits and by pro-actively supplying same details and with the intention of a resolution. I never have one communication from Apple or attempt to resolve or understand my issues properly. On XX/XX/XXXX I have begun to being charged interest. At no point have I been called or emailed or sent any updates on any of my dispute. I have gone out of my way to provide all information and feedback to assist Apple/GS in resolving. My experience has been that none of the information or customer notes has been coherantly stored about the dispute which has made the process extremely frustrating. My most recent GS/Apple chats via the apple wallet confirmed that the charge was sitting in 'elevated dispute ' then when I have followed up again today XX/XX/XXXX .. I am being informed that the dispute was made in favor of the merchant. However I have the chat dialogue from the app which notes the case is in " elevated dispute ''. So we are running around in circles and this is really causing me a lot of concern and stress. I have advised Apple/GS that I will not be paying the interest ( Or the base charge ) and that we seem to be at an impasse and I will be taking this to the CFBP. It has been my understanding via many years or credit card and banking that the credit card merchant should always be acting on behalf of the customer. This has not been the case at all with Apple Card/Goldman Sachs. I would hate for anyone to waste the hours and carry the burden and the stress of dealing with these people. I think people need to know this is not a company/product that is committed to the customer its just about money and not listening or valuing its customer base.
|
| 11/25/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
XXXX XXXX - XXXX - XXXX - Goldman Sachs My original loan ( re-fi ) was processed by a lender that had no license, in a bar with no notary present. The Mortgage Broker had no license - his Broker lied and said he did the loan - I never met the man. The Illinois XXXX XXXX of Banks and Real Estate said the Managing Broker of this Company will never have another license in Illinois without answering to this complaint. He is now doing reverse mortgage in Florida last time I checked. The person who did my loan has a cease and desist order against him in Illinois for other financial deals.
My loan had a pre-payment penalty addendum - I asked the Lender over and over - no pre-payment penalty correct? Yes, he answered over and over - HE FORGED MY NAME. - The very Document they are sueing me with is a forgery.
My lender told me my taxes and insurance were included with my payments - I circled the language during my signing of the papers - TAXES AND INSURANCE WERE NOT included in my payment of {$1200.00} per month. I paid more than {$26000.00} to get, my mortgage out of foreclosure. I was told by the Attorney representing the Mortgage Company it would be illegal to take my check if it was not every penny I owed to get my mortgage up to date and out of foreclosure. They took my check - the Judge dismissed my suit.
One month later the Mortgage company sent me a notice that my account was still in arrears more than {$8000.00} - surely there must be a mistake as this is illegal, right?
My mortgage increased from {$1200.00} per month to more than {$2600.00} per month. I paid the mortgage as long as I could hoping to get this straightened out.
In 2010 I received a trial modification - 3 months which I paid successfully - and was denied a permanent modification - as the " INVESTOR '' did not approve.
I NEED a permanent modification to save my home! I was told today by XXXX 's Representative I {$50000.00} payment would need to be made to obtain a modification. I see that XXXX is not on the list of HAMP/HARP Servicers - but the Owner is Goldman Sachs as I understand it as it has been for quite some time. Transferred to another servicer owned by Goldman Sachs.
I am on my XXXX Attorney to fight this loan - and each time the Attorneys say I have a case. XXXX Mortgage is getting very close to getting a judgement against me as my Attorney is XXXX and seems to have given up. I need help getting a loan modification and help with this situation.
|
| 11/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am on my fourth attempt to received copies of the evidence the Goldman Sachs allegedly used to decide a credit card dispute against me, and now I have evidence that Goldman Sachs didn't collect any evidence from merchant.
I started a {$370.00} Apple Card dispute with Goldman Sachs on XX/XX/XXXX after having several billing issues with an airline. The dispute was opened on that date and all of my supporting documents with clear evidence of the airline 's failure to provide the services charged were submitted to Goldman Sachs the same day they were requested on XX/XX/XXXX. Then, on XX/XX/XXXX, I received an email from Goldman Sachs stating that : " Goldman Sachs Bank USA has investigated your transaction dispute and found that no billing error occurred for the following reason : -The evidence received confirms that the travel was completed for your flight purchase ''.
Surprised at this outcome, that same day I contacted Apple Card and Goldman Sachs to request copies of the evidence that was collected in their investigation and that was submitted the merchant airline. I was told that the evidence would be send via physical mail within 7 days. That same day I received a copy of all emails sent by Goldman Sachs regarding this dispute.
I didn't receive any documents by XX/XX/XXXX, so I contacted Apple Card and Goldman Sachs again. This time, the Apple Card Specialist stated that the documents containing the evidence used for their decision were sent via email the same day. They were not. Giving them the benefit of the doubt, I again requested copies of the evidence and made it very clear that I wanted it delivered both via email and physical mail. I was again told the documents should arrive within 7 days.
By XX/XX/XXXX, no documents had arrived via either method, so I again contacted Apple Card and Goldman Sachs. The first specialists that I was put in touch with said that there was no evidence submitted by merchant in her system.Immediately after saying this, she transferred me to another agent. The second agent then said I had no right to request evidence. After explaining to them how the law ( 15 U.S. Code 1666 ) gave me the right to request evidence, I was suddenly transferred to a third agent. The third agent said that they'd be happy to send the evidence within 7 days.
It has been almost a month since then and I have yet to receive any evidence. My calls are now spending over an hour without being picked up.
|
| 08/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
in XXXX of this year, 2023, 4 fraudulent charges were made over a 7 day period against my credit card by the same unauthorized individual, XXXX XXXX, and shipped to his address in XXXX, TX. I live in XXXX, TX. I do not know XXXX XXXX, never shared my credit card information with him, nor in anyway authorized the credit card company, Marcus : by Goldman Sachs, to allow XXXX XXXX to make any charges against my account.
Of these 4 charges, the first seller ( XXXX XXXX XXXX ) recognized the charge as fraudulent and returned the funds to my credit card. The second purchase made against my account with XXXX XXXX was acknowledged as a fraudulent charge by Marcus : by Goldman Sachs after we filed a dispute with the credit card company and they refunded the charge to my account.
Eight months later the remaining 2 charges made against my account to seller, XXXX XXXX, made by the same Unauthorized User, XXXX XXXX and shipped to his address in XXXX, TX have not yet been recognized as fraudulent charges and we are still being held accountable for the payments.This is totally unreasonable considering the facts that XXXX XXXX XXXX XXXX immediately recognized the charge by XXXX XXXX as fraudulent and refunded our funds and that Marcus : by Goldman Sachs also acknowledged the second charge with seller, XXXX XXXX was fraudulent and refunded our account but refuse to acknowledge the remaining 2 charges to XXXX XXXX made by XXXX XXXX and shipped to XXXX, TX are not fraudulent.
Marcus : by Goldman Sachs original investigation appear to be inept, had errors, and did not include some pertinent information. We contacted the seller, XXXX XXXX, and obtain copies of the original sales orders and proof of shipping. These documents indicated that XXXX XXXX was the purchaser of the items in question and that the items were shipped to his address in XXXX, TX. These documents were provided to Marcus : by Goldman Sachs.
Our complaint is that as of XX/XX/2023 we have not received an answer for why they are holding us responsible for the remaining two charges made by XXXX XXXX while the other 2 charges WERE determined as fraudulent. My second question is what right Marcus : by Goldman Sachs decided to allow an Unauthorized individual who had no connection with my credit card to make charges against my credit card and ship the resulting products to an alternate address that also had no association with any of my credit card information.
|
| 04/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
1.I have never had an account with this company GS BANK USA , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are GS BANK USA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
|
| 10/16/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Company : Goldman Sachs Bank USA Issue : This company is intentionally limiting the manner in which I can access my own account data. I use XXXX XXXX for budgeting purposes and this platform provides significant support in my pursuit for financial wellbeing and effective money management. GS Bank unilaterally made the decision to block XXXX 's access to any GS Bank account data, which prevents me from accessing my savings account data in the XXXX platform. This causes me to have an erroneous view of my holistic finances, which can lead to my making decisions that will be detrimental to my finances.
The access denial is not even across the board for all aggregators. GS Bank permits XXXX XXXX ( XXXX ) to access account data while they refuse XXXX 's access to the very same data. I contacted GS Bank on XX/XX/XXXX requesting that they stop blocking XXXX 's access. They provided no response to me and did not lift the block. I sent another follow up message on XX/XX/XXXX and have, again, received no response and still am unable to connect with my account data through XXXX XXXX.
I am closing my account with GS Bank on account of this and request that the CFPB investigate the unsound practices at GS Bank based on no identifiable logic whatsoever. Furthermore, I would like to see stronger guidance from the CFPB pertaining to aggregation and consumer access to data. I am fully aware of the risks that I incur by sharing my credentials with aggregators ; however, this is my decision to make and it is my accounts from which money might be moved should malicious actors breach an aggregator 's security and obtain user credentials. I knowingly accept these risks because the personal financial management benefits I get from aggregation services far outweigh the risks in my current financial situation. Ideally, the CFPB will mandate that all financial institutions over a certain size ( that are therefore financial capable of building out the necessary infrastructure ) implement oAuth and API-based data sharing so that customers like me can more securely access their data on their terms in the places they want to.
Consumers beware, GS Bank thinks they know better than you what is best for your financial wellbeing. Or worse, they do not care about helping you achieve financial wellbeing and care only about limiting their potential liability, even though this can be done through terms and conditions presented to customers.
|
| 08/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
On XX/XX/2023, I received an email from Goldman Sachs about the closure of my Apple Card account associated with the Apple Id XXXX due what they claimed to be " failure to comply with the terms of the Customer Agreement ''. I called Goldman Sachs about the closure and they confirmed the account was indeed closed. I explained that that there must have been a mistake, as i couldn't have done anything that violated the user agreement. I even reread the Apple Card user agreement and could not find anything that would cause the closure. I then asked what terms in the agreement was violated. They responded that they have no way of telling as the only thing they could see was what was in the closure email. For the last 06 months I've been escalating the issue through Goldman Sachs to figure out why my account was closed. I was told something different by almost every representative. I was told to that my profile was in good standing and should just reapply. I would try to reapply from my Apple ID only to find the application showing an error. Then i was told to just reapply from a different Apple ID. When i applied with a new Apple ID, the application no longer showed as error. After submitting the application, it would sit in a review state for 15+ days before i would receive an email denying my application " due to system error ''. I was then told to wait 30 days, then 90 days, then 180 days. All the representatives telling me that I shouldn't be getting any of the error and my Apple ID is in good standing. Still nobody can tell me what terms were actually violated. On around XX/XX/2023, i received a call from a Goldman Sachs manager stating that they have done a through investigation on why i was having problems reapplying. She said they didn't find anything that could cause this issue on their end. She then states that my Apple ID is actually " Not '' eligible to reapply a the moment despite what every other prior representative have have stated. She then states that she also can't see what terns were violated and to keep randomly applying and the system will decide " when '' or " if '' it will let the application go through and that the matter is now closed. I then asked for a copy my account transcripts to review. She said that she could put in a request but it would be up to Goldman Sachs whether the company want to give it to me. As of XX/XX/2023, i have not heard back from Goldman Sachs about the request.
|
| 06/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
On XX/XX/2022 I decided to apply for a loan with Marcus by Goldman Sachs after receiving several prior mail advertisements. I spoke with a representative on XX/XX/2022 due to company needing more information in which I provided. I was then informed that I will receive a call within 1 to 2 days if more information is needed or to inform me of the decision made by company after review process. However, I never received a call, so I placed a call on XX/XX/2022 in which I was told the application was still under review and to allow more time. I then placed the follow up call on XX/XX/2022 in which I was told that my application had been denied and to wait on denial letter in the mail. I received denial letter in the mail on XX/XX/2022 that was dated XX/XX/2022. To my surprise, the reason for denial was annotated as " Unable to verify identification information '' which I feel to be unacceptable due to never receiving a call to ask for any additional information as discussed on XX/XX/2022 or to obtain any information regarding my identity. From my prior experience as a loan processor and banker dealing with the loan process, understanding my credit situation, and knowing that I am who I am, I can't understand why this would be the reason for a denial. I called Marcus by Goldman Sachs on XX/XX/2022 to inquire about such determination in which I was told by two representatives that they can't tell my why this was the reason selected, and I was advised to call Goldman Sachs directly. On XX/XX/2022, I called Goldman Sachs who listened but transferred me to a supervisor with Goldman Sachs who only could say that the reason for the denial could be due to information on my credit report being different from my application. I informed her that could not be the case as I check my credit report daily and everything is up to date, and then she apologize for not knowing the exact reason for the denial and went on to tell me to just apply again in 30 days. She also stated that no reconsideration could be done since the application had been closed already even though I informed her that I never received a call back as promise in the first place within the 1 or 2 days on XX/XX/2022. After attempting to resolve this with the company with no attempt of correcting the situation, I decided to file this compliant as I feel that this falls under unfair lending practices and could be a bias decision based off of XXXX discrimination.
|
| 06/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/XXXX Ordered a Grill from XXXX using my Apple/Mastercard from Goldman Sachs for {$110.00}, No response from XXXX in the form of Confirmation E-mails, Shipping Dates and Tracking Number for the Product and No Product received, XX/XX/XXXX I file a Fraudulent Complaint with Goldman Sachs who handles the Credit Card, They open an investigation and I ask how long will this take and they say their policy can take up to 3 months before a decision is made. I stress to them I received no e-mails, shipping dates and no product so how could they take this long? I wait 3 months then I begin to call the Fraud Department XXXX ( XXXX ) XXXX, Monday XX/XX/XXXX at approximately XXXX XXXX. Hawaii time, spoke with XXXX, Monday XX/XX/XXXX at approximately XXXX XXXX Hawaii time, spoke with XXXX, Tuesday XX/XX/XXXX at approximately XXXX XXXX Hawaii time, spoke with XXXX, They say every time I called it's been escalated to the Upper Management Team and they are having problems with how they conducted the dispute procedure. Thursday XX/XX/XXXX, I receive a call at approximately XXXX XXXX. from XXXX and she states she is from The Office of the President Advocacy Department and says they are resolving my dispute in my favor and it should be on my Apple MasterCard Account no later than XX/XX/XXXX and if not I should call the department. No E-mail or any contact regarding this so I call back on XX/XX/XXXX and talk with XXXX at XXXX XXXX. Hawaii time and she said I need to call back tomorrow Friday XX/XX/XXXX. I call back Monday XX/XX/XXXX at approximately XXXX XXXX. and speak with XXXX who then transfers me over to XXXX who is a Total whatever, anyway I stress to her if they have confirmation E-mails, Tracking number, shipping dates I would like to have that sent to me. She said she could do that but it might take 2 or 3 weeks by Mail, I said that's RIDICULOUS but send it anyway, well NOTHING shows up!!! Monday XX/XX/XXXX at approximately XXXX XXXX Hawaii time I call and speak with XXXX, who then transfers me to XXXX who proceeds to tell me my case is so old that's why they can't find the papers and have not sent me anything. Then she proceeds to tell me how she handled her own case like this with another Credit Card Company and insinuates I should eat the cost. XXXX NO!!! I NEVER RECEIVED THIS PRODUCT, I NEVER RECEIVED ANY SHIPPING OR TRACKING INFORMATION!!!
WHAT THE XXXX IS GOING ON " GOLDMAN SACHS ''??? PLEASE HELP ME!!!
|
| 06/05/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I tried to resolve the complaint with Marcus by Golden Sachs itself before I submitted the complaint to CFPB. However, I did not receive Golden Sachs callback as its agent promised. This is the reason why I submitted the complaint to CFPB on XX/XX/XXXX.
On XX/XX/XXXX XXXX holiday, Golden Sachs called me back and disguised itself as it was addressing my CFPB complaint.
According to my knowledge, they should respond to me through CFPB account. So I asked the agent what was my proposed solution. He just mentioned one of them, and told me that my request was denied. I questioned him what the other two proposed solutions I mentioned in CFPB complaints. He was unable to answer and transferred the conversation to his so-called supervisor.
However, he recognized himself as the supervisor agent and his level is the highest level I could speak over phone. How can he transfer our conversation to his supervisor and have his supervisor talk with me?
The processing way of Golden Sachs makes me feel they are trying every effort to fool customer and make customer accept their unreasonable solution. I have spoken to about 8 agents of Golden Sachs. Every time when the first agent can not solve my problem, the first one transferred the communication to the supervisor. Then the supervisor still had no authorization to solve the problem. The supervisor said a higher-level supervisor would call me back. But no one called me after their first-time promise. I called them again, they said they requested again. I confirmed and double check with the supervisor that I could speak to supervisors supervisor who have larger authorization during the callback. However, I received three callbacks but every time the three agents recognized themselves as the same level as the supervisor I talked to over the phone last time, no supervisors supervisor.
Until last week, the agent disguised itself as responding to CFPB complaint, which made me frustrated and scared that Golden Sachs was such a big brand that they are lying all the time.
I feel it is necessary to report their dishonest behaviors. Therefore I am writing to you, CFPB members, to ask you to investigate Golden Sachs to see if they disguise themselves as government agency to fool customers, as well as if they pretend to solve problems by just kick balls to other so-called supervisor agent, which is actually not a supervisor to defraud and play games with customers.
|
| 02/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I tried to make a principal only payment in XX/XX/XXXX and was told they can not accept principal only payments outside of my autopay due date. However, if I remove autopay, my interest rate will increase as they gave me a .25 % decrease by setting up autopay. I then had a check mailed to XXXX to process. It is now showing online in my account with a payment date of XX/XX/XXXX. I then went in and tried to do a payoff and I received an error message and it tells me I have to call in to get my payoff quote ( XXXX ). I called in to XXXX and they told me they couldn't give me a payoff quote because the XXXX transaction was still processing. I then told them it was showing online and my current balance is showing {$12000.00} online. I was then put on hold and told my payoff quote is {$16000.00}, but they couldn't send it to me in writing because of the payment issue. I then told the representative my balance online showed it was {$15000.00} as of XXXX. I then asked how I could have almost {$900.00} in interest and requested how that makes sense mathematically. I was not given an explanation and was told he could not explain it to me. He then suggested I call back tomorrow to then make a payment, but I also told him waiting another day was going to be another day of interest I was going to have to pay, which is not fair to me as the consumer. He agreed but offered no other alternative. He then suggested I go back in and try to make a payment amount with a specific dollar amount. Based on my calculations, I believed today 's payoff amount would be {$12000.00} ( I added a XXXX ) so I tried to make that payment online. I got another error message stating the payment was too high and I had to call in. The customer representative then could not help me with anything and we both became frustrated. I ended the call and then tried to make a payment of the current principal balance. I got the same error message, so I called back again. The next representative suggested to remove the autopay to see if it will allow for a payment to be processed. I agreed and received the email notification it was removed. She tried to do a payment and it would not let her. I then logged back into XXXX and tried to make a payment and received the error message. XXXX is not allowing me to make another payment to payoff the loan. However, if I wait another day or XXXX ( based on their suggestions ), I will be charged extra interest.
|
| 07/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
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|
I applied for an Apple Card on XX/XX/XXXX, and was notified that my application was denied because my outstanding balances were too high relative to my income, but that I could pay down my balances and reapply, without any detrimental effects. I began paying down my balances incrementally, reapplying each time, and being denied for the same reason, with the same guidance about how to get receive a different decision. I then paid off a large portion of my balances with birthday presents I received, and reapplied, this time noticing that I had previously underreported my annual income by only reporting wages. This time, I was denied because my information could not be verified, and instructed to call a Goldman Sachs Apple Card Approval specialist if I believed this was an error. I did so on XX/XX/XXXX, and was told that nothing could be done for 30 days, because the system was unable to take new information from me, at which time I could reapply. When I complained that I need the card right away, to finance the purchase of a new XXXX for use in my job as an XXXX, and that I had been instructed repeatedly to reapply without any mention that doing so more than a certain number of times would prevent me from applying for 30 days ( if I had known this, I would have paid down my balances at once before reapplying, instead of doing it incrementally because I was told I could reapply repeatedly without penalty and was trying to get the card to finance my XXXX purchase as soon as possible, for use XXXX in these times ). After being transferred to a supervisor, I was told that I had to wait 30 days for the system to repopulate my data ; when I explained the situation and said I would contact the CFPB, I was told that a case would be opened for me and I would be contacted on XX/XX/XXXX. On XX/XX/XXXX, I received an email explaining that I had been rejected for the reasons detailed in the original rejection email, and to call a specialist if I believed this was an error. I called again, repeated exactly the process described above, was told again by a manager that all I can do is wait 30 days and reapply, although she initially said that there was no reason why that should be the case, so I am now filing this complaint. I am locked out of applying for a card I need to finance an urgent purchase for 30 days, because I did what the issuing bank told me to do in order to successfully reapply, at every point.
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| 08/31/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
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Web |
Servicemember |
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I've had at least 6 phone calls with Goldman to resolve this issue. First phone call in mid-XXXX was to inquire about my XXXX balance as the statement shown didn't add up.
A case was opened as person I spoke with couldnt explain it. I called twice to check on case progress as my payment was coming due. It took 3 weeks for me to receive an incomplete response in XXXX to my original inquiry. While waiting for this response my payment was coming due. I called to inquire on progress and explicitly asked how to handle the upcoming payment and was told that because I had disputed the balance, I would not be charged interest.
In fact, I was charged interest and the card company is refusing to refund all the interest charges. This is my first ever partial payment and I want to be clear, I made a partial payment under the companys representation to me that interest would not be charged. If the associate made a mistake in providing this guidance, it is not on me and I shouldnt have to pay.
To add, it took an additional 3 people, each at a higher level, and over 2 hours on the phone to finally explain my balance discrepancy. In fact, during my 6th call, the manager that called me almost gave up and wanted to create a case to be reviewed. Goldmans obscure accounting of my activity and balances led to several different explanations as to the discrepancy in my purchase activity and total balance due. At one point telling me that the extra balance due was due to incomplete XXXX payment when I had it on autopay for full amount and was told the reason interest was not charged in XXXX was due to some weird accounting done by Goldman. Turns out that was not the case, but again, it took an additional phone call and an extra hour to resolve the mystery.
I took every action to ensure I would pay my balance on time. I called Goldman several times to get an explanation of the balance due, I called to inquire about case status before payment was due, and I explicitly asked how to handle the upcoming payment and was told that because it was in dispute, no charges would accrue if I didnt make payment. Luckily, I did pay the majority of the balance on time. I didnt pay the amount I could not understand, and no one could explain to me in a timely manner, why it was being charged. Goldmans inability to explain its own statements and the incorrect information provided to me can not possibly be my problem to pay for.
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| 03/11/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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Hello, I made some money on the investment this year, want to find a savings bank deposit some money get some interest, so I opened the Marcus in XX/XX/2020 online savings accounts, for {$17000.00}, in XX/XX/2020 for home in a hurry, I just want to take out {$5000.00} for urgent need, but in the evening my saving account is locked, call customer service to ask the reason, customer service didn't say anything, just ask about personal information, to unlock my savings bank account, log in to the bank on the net, I found that I transferred out of {$5000.00}, has been cancelled! I am very angry, I am a little confused, their money did not take the initiative to control the right, the bank to lock my account does not need a reason, I transfer some funds, the bank can take the initiative to cancel my practice, I do not understand this is my money or this is the bank 's money! I called again to ask, I was very angry to ask what the reason is, give me a statement, why do this? The customer service said that we need to verify your external link bank, the bank documents are my name of the bank! I asked how to verify, and the customer service staff said that the monthly statement of the bank should be sent to them, and then they can review it before I can continue to use my savings account. I said helplessness, it takes too much time, can I use email or phone online verification? The bank customer service says, can't, can send my bank monthly statement to them only, after they finish checking next, think to have no problem, I just can use my account again! I was very depressed, thinking is this my money or this is the bank 's money! It's like begging. It's not a good feeling! I said I used my savings account to pay my credit card. Why didn't you tell me yesterday that my savings account was locked and could not be used? Because log in the bank on the net, did not show any abnormal, also did not have any mail or message to remind me to can not use, however my reimbursement was returned like this, still paid extra fee, these losses who is to bear after all? My family is in urgent need of the money. What should I do? Personally, I have never met such financial institutions, such irresponsible treatment of their customers! Who will ultimately bear the cost of this incident? Marcus bank won't give me the use of my own money, I really have no way, feel so helpless! Hope to get your company 's help! thank you
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| 10/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My Complaint is direct at both XXXX and the Apple card XXXX Many, Many, Many Years ago, XXXX offered me a free cell phone reception booster for my house. I can honestly say it didnt work. I dont recall the exact date that I got the booster, but it was something like in XXXX or XXXX I mean a long time ago. I believe it was called XXXX but Im struggling to remember. There were two cheap plastic boxes. One which you were supposed to put in your window, and another in a central location In your house. It didnt really improve reception and XXXX began allowing WiFi calling, so I didnt think the boxes helped. After I got the device, I realized that there was a non-return penalty of {$500.00} if I didnt return the box. Knowing that I didnt think the box was useful ( and previously paying a cable company for forgetting to return a cable box ) I drove to my nearest XXXX store to drop off the box. I dont recall how the transaction went ( it was like 10 years ago ) but I recall returning the box to the store. Fast forward 10 years, I decide to cancel XXXX and go to a XXXX XXXX XXXX I visit national parks and XXXX coverage on national parks is much better. Anyways, XXXX informs me that they dont have a record of this box. I spent a while on the phone with them, and Im told by the representative that I have to return the exact same box with the exact same serial number. Of course, I dont have it anymore. Otherwise, they will bill me {$500.00}. Sure enough, they charge my credit card {$500.00}. I dispute with my credit card company, and they say well XXXX showed us this invoice so thats proof enough for me. My problems : Said box was returned years ago I was not allowed to pay todays market value for the box. No way a signal booster from 10 years ago is worth {$500.00}. Looking on XXXX, I can buy what I think is essentially the same box today for {$20.00}. I think the box was XXXX, meaning it would likely be deprecated today. Because I dont keep receipts or have proof from 10 years ago, Im being charged {$500.00}. I was a XXXX customer for well over a decadepaid them north of {$5000.00}. I recognize breakups are hard, but charging me {$500.00} for this XXXX box is just a great way to tell a customer to never come back. My phone number is XXXX My XXXX Account number was XXXX My Apple Card is tied to my apple ID : XXXX Am I wrong here? How do I get my {$500.00} back? Has XXXX done this to anyone else.
|
| 07/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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The unauthorized transaction happened on XX/XX/2023 XXXX. The item was purchased on Apple online and pick up in the store ( XXXX XXXX Apple store ). As soon as I saw the notification, I reached out to the Goldman Sachs Apple support team. I told them it was an unauthorized charge. The charge was disputed and I had all my card numbers replaced. Few days later, the transaction still went through and someone picked up the item in the store by using my ID. My dispute got rebilled several times till now. Got a report from Goldman Sachs showing details that I made the purchase and picked up. Seems like the thief has all my personal information including my name, address, phone number, card number, and even my XXXX address. However, I was never there when the item was picked up. I do not own the item, and I do not know who has it. The person used guest checkout when making the purchase. The support team from Goldman Sachs refused to do further investigation.
( XX/XX/2023 ) I made complaints on XXXX and CFPB. I also went to my local authority to file a report. However, officer there said that I needed an affidavit letter from Goldman Sachs stating that this transaction was a fraud. I reached out to GS support and asked about the affidavit letter but the person said she couldn't help me with that. I didn't know who to reach out. I held on the report and waited to see if XXXX or CFPB would push them to do more investigation. But no.
( XX/XX/2023 ) One of the GS support team manager reached out to me earlier today said that he saw the complaint on XXXX and told me that there's nothing else they can do unless I provide additional evidence or I can just file a report to my local authority. He couldn't even tell me what kind of additional evidence I can provide. I told him that I want to file a police report and the police officer so that they can know what actually happened that day in the store. The police officer told me that I need an affidavit letter from GS stating that this transaction was a fraud, so that they can start with the investigation. But the GS manager refused to provide the letter.
I don't understand the logic here. GS wants me to file a police report and provide additional evidence, but they refuse to let the progress start. I even filled out FTC Identity Theft Affidavit report. I now have all the documents ready for filing the report, except for that affidavit letter.
|
| 06/05/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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Web |
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I'm reaching out to you because I've had a terrible experience with Marcus, and I hope you can help me resolve this issue and get the compensation I deserve.
I've been a Marcus customer for years, and I thought everything was fine until recently. It turns out Marcus has a major flaw that many others have complained about -- it's nearly impossible to get your money out when you need it. Whether it's through ACH transfers or wire transfers, you're left without access to your own savings account for days or even weeks.
Here 's what happened to me : I needed to transfer funds ( $ XXXX ) for a mortgage escrow downpayment, and Marcus locked me out of my account. To make matters worse, it froze all my linked accounts at other banks too. I spent hours on the phone with both Marcus and my other banks, trying to unlock everything, but I still don't have full access to my funds. It was absolutely terrifying not being able to access my own money when I needed it, not just with Marcus but also with the other banks that were linked to it.
And let 's not even talk about their so-called " same day '' wire transfers. I called them multiple times, asking if they needed more verification, and they said they would expedite the transfer. But the transfer never went through. Every time I called, they lied about it being expedited and promised it would be done by the end of the day. I wasted so much time on the phone, listening to their empty promises.
This is supposed to be a liquid savings account. They shouldn't have the power to lock you out of all your accounts, even after you've proven your identity. Their rates are competitive, but if you actually need your money for something important, Marcus is the last place you should keep it.
I'm hoping you can help me with the following : 1. Look into Marcus and their policies on fund accessibility and the impact on linked accounts.
2. Make sure I can access my funds and restore full control over my accounts.
3. Hold Marcus accountable for their false claims about " same day '' wire transfers.
4. Get fair compensation for the stress, time, and trouble this has caused me.
I believe that by bringing this issue to your attention, we can find a resolution and prevent others from going through the same ordeal. I look forward to your response and hope for a resolution that can bring me and others relief.
Thank you for your attention to this matter.
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| 02/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
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Web |
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I have been applying for XXXX XXXX for the last XXXX months. But I have been having serious issues since XX/XX/2021. They have denied for only one reason, over and over again that " We're unable to verify your identity ''. In XX/XX/2021, I called them and they to check with XXXX regarding my identity. I called XXXX and they said that everything ( Name, email, address, SSN, etc. ) matched and they sent a green check mark to XXXX XXXX XXXX XXXX XXXX Then XXXX said please reapply, there's nothing much we can do and this is what hurt me most, " You can reapply as many times as you want because it doesn't impact your XXXX XXXX until you're approved and accept the card. I applied again and again but declined for same reason and got same reply to reapply.
They also asked me check if my driver 's license picture was blurry when I uploaded. I told them I scanned it under my printer 's scanner, so there was no chance of it being blurry.
On XX/XX/XXXX, I reapplied again, rejected for same reason, and was tired now. I called them and told them to either approve me or tell me what they are not able to verify ( SSN, phone number, Name, address or whatever ) but they aren't telling me the reason only. They said they are escalating it to the UnderRiding department, and 20 days later, I called why I didn't receive the call in 7 days, they said it went to wrong department, so the other department just deleted that record. I was like whatttt!!!!! You ( a multi-billion dollar valuation company ) are saying my case went to wrong department and wasted my 20 days. This is just not acceptable at an international level from a billion-dollar company. This time they again begged me to reapply, and guess what, I reapplied in early XXXX and got rejected for same reason and this time, I couldn't bear it. I shouted if they don't give me the reason, I will complain to federal department. They said " This time, it's going to correct UnderRiding department as I am giving you a case number ( XXXX ) which is the confirmation of it '' I received a call 10 days later, in early XXXX stating something that made me write this complain " We can't do much on our end, we don't know what's wrong, please reapply, there's no other option ''. Like seriously? People who have access to my application and my credit report and everything can't figure out what's wrong and if nothing 's wrong, can't approve me? This is ridiculous.
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Apple credit card illegally reported 4 late payments on my consumer credit report. while under a billing dispute error XXXX 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Apple credit card never mailed any of these statements previously apple stated their policy is electronic statements- unfortunately in regards to the fair care reporting act federal law requires creditors to mail the statement - apple 's credit card policy is just their policy and not federal law under consumer reporting -If an open-end consumer credit plan provides a period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed concerning such portion of the credit extended for the billing cycle of which such period is a part unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made to avoid the imposition of that finance charge Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, XXXX XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
|
| 10/17/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
On Saturday, XX/XX/2022 I discovered I could no longer access my Marcus Bank ( an online bank owned by Goldman Sachs ) account either via the app or online. There was a message instead that I should phone the company, with a 24/7 phone number and so I called. I was on the phone for more than an hour with being on hold and back and forth between the agent and other departments until the agent informed me I had to call back on the following day, Sunday, XX/XX/XXXX. I asked them if they had hours on Sunday and they assured me they did and so I called again on Sunday XX/XX/XXXX, After another hour or so of being on hold and back and forth they informed me that I had to be on a three way call with all of my other external banks so that they could verify my ownership of those accounts. Now I had been banking with Marcus for years and have had several banks that were external banks listed on my accounts, and I had had these accounts verified the normal way either through XXXX ( a secure login process ) or via the process of small deposits that required verification. Never in all my years of banking have I had logins frozen and not been able to get in, after a phone call to verify my identity.
They told me on Sunday XX/XX/2022 that I needed to be on a 3-way phone call with each of my external banks to verify ownership. However I had been on the phone with them at that point for more than an hour and didn't have any more time to be on the phone so I ended the call and called back today XX/XX/2022 during normal business hours. I was still on the phone and on hold for more than an hour ( and I am still on the phone and on hold ) and so far have not been able to get into my account and to transfer my funds. I am hoping that they will be letting me in ( I'm in it for the long hall although I don't have much time left today and have been on for quite a while ) but at this point all I want is to get my money out of that bank as soon as possible and close my account.
This is beyond unfair practice to a customer- to not have a process for telephone authentication sufficient to remove a lock on an account, and to have an unreasonable process for external bank verification as well. As soon as I get access I will remove my funds from this account but I think Marcus bank needs to be " punished '' in some way for their lack of responsiveness, so that they do not treat customers this way in the future.
|
| 01/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
The card in question was originally through XXXX XXXX with XXXX issues ever experienced. The card was transferred to XXXX through Goldman Sachs and has been nothing but issues ever since. I have repeatedly had to spend time dealing with fraudulent charges on a card that I NEVER even activated in the first place upon receiving the new card under the XXXX branding.
Each interaction with the company runs me approximately XXXX minutes of my time. The card has NEVER been used for a personal transaction. My only interactions with XXXX have been dealing with fraud. On Monday XX/XX/23 I spent XXXX minutes on the phone dealing with Fraud. The representative had to call me back MULTIPLE times because of " system issues '' repeatedly asking me to verify my identity through a phone code. She said level XXXX fraud would be in contact with me to resolve the complaint. I requested a call after XXXX due to my working hours.
On XX/XX/23 I received at least XXXX phone calls between XXXX and XXXX while sitting in a meeting with my boss at work. Extremely unprofessional given I requested a call after XXXX. I also reviewed my email only to find NEW fraud charges being flagged on the account after the card was cancelled and a new one issued on XX/XX/23.
Tonight XX/XX/23 I received multiple calls while attempting to cook dinner for my family. I advised the representative to cease calling my phone and close my account because at this point I feel I am being harassed by the company. I hung up on him and he called me back asking me to verify my account.
These are outbound phone calls to my phone number on file and on top of that I verified via phone at least XXXX times on XX/XX/23 to the same phone number. I told him I wanted his boss and a woman came on the line and again is requesting I verify my phone. I told her I would not being this, it was done repeatedly on XX/XX/23, I am being harassed and hung up the phone on her after telling her I want no further calls from the company. She completely ignored my request to not receive further calls, even after I advised her I would be filing formal complaints with the attorney general and CFPB ( I couldn't remember the name of this entity at the time and advised simply filing a complaint with any overseeing body regarding credit card companies ).
I am done dealing with XXXX. I want my card closed and no further contact from the company ever again.
|
| 05/07/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
I have not been able to access my online statements for my 11 CD savings accounts at Marcus Bank as detailed in a prior complaint here XXXX XXXX ), which you closed at the bank 's request on their say so. In the prior complaint that was closed in XXXX, the bank claimed to be putting in a fix by XX/XX/2021. It was not fixed by XXXX when I check on XX/XX/XXXX. On XX/XX/XXXX, I received a call from the bank claiming it fixed the issue. They fixed my savings account and I was now able to see the listing of my statement now back to XX/XX/2021, which is when this problem first started. After I hung up the phone, I started downing my 2021 statements. When I got to the first of my XXXX CD accounts this is the error message I got : { " requestId '' : '' XXXX @ XXXX '', '' status '' : '' ERROR '', '' error '' : { " code '' XXXX, '' message '' : '' Error getting document by XXXX '', '' fields '' : { } } } For 5 months I been trying to get this fix as detailed in the prior complaint. My wife has lost all faith in the bank and fears for the safety of our money. I am now taking steps to remove our money from the bank even if it means taking penalties. It is better to lose a few hundred dollars in interest than $ XXXX of our money held in their bank.
I have lost faith in the federal government to ensure the safety of our money. Marcus Bank does not have the ability to safety manage or control their computer programs. If they can't manage their in house software, how safe is my money from a computer hacker or from some other cyber security flaw?
And another fact, Marcus had to restate all of the XXXX statements because of some glitch.
If the CFPB is not concerned then maybe the FDIC should be since they may have to cover the lost.
A review of Marcus Bank XXXX page has many others concern about their money 's safety and the bank 's computer abilities. My wife detailed our issue and the bank took down her post. What are they trying to hide? Only after she detailed how we filed a complaint with CFPB did it stay posted.
It comes down to this. An online bank should have accurate online statements. Since the beginning of 2021, that has not happen for the 13 accounts that I had at the start of 2021 and now I can only get 1 out of 12 statements online for the month of XXXX.
I have try 24 times via chat, registered letter, phone calls, even a prior complaint for over 5 months to get this fix.
|
| 06/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
In XXXX of XXXX, two pending charges ( credit pre-authorizations ) were placed against my Goldman Sachs ( Apple ) Mastercard. The purchases were never made from XXXX XXXX ( an XXXX XXXX XXXX XXXX XXXX placed in an on-line shopping basket ) and the pending changes have remained against my GS Mastercard account ever since, thereby decreasing my available credit line ( buying power ), since XX/XX/XXXX. I have called Goldman Sachs three times since XX/XX/XXXX ( hour long calls with several GS transfers where I had to recount the problem each time ) and have been told each time that the pending changes will be removed from the account and will be cleared on their end after 90 days or " two billing cycles ''. I have communicated with Goldman Sachs after each 90 day period and re-shared that the changes have not fallen off my account and that my credit line is still reduced by > {$1000.00} because the pending charges are still associated with the Mastercard account. Today ( XX/XX/XXXX ) I again called Goldman Sachs but included a representative from XXXX XXXX accounting/sales/disputes on the call ( 3-way call which was recorded by GS ). Apple confirmed on the call that there are no pending sales/charges from me since XX/XX/XXXX which should still be pending " installment '' charges or any other " unprocessed changes '' or financial holds. Apple further confirmed that in XX/XX/XXXX, I did indeed buy only one XXXX XXXX but the second charge for an additional XXXX XXXX and the third charge for XXXX XXXX were purchases that were never made/completed. I am just sick and tired of Goldman saying they are going to fix/drop these pending charges for about 1 year and nothing happens. GS could not provide me with a dispute tracking number nor any other tracking or complaint number so that this matter may be documented since XX/XX/XXXX.
This is not an Apple issue/problem and that is why I had a 3-way call with Goldman so all parties were able to state their position. This is a GS banking and poor accounting problem for consumer credit card accounts which GS just does not seem to be able to fix when I call their support representatives on the phone. Ideally a credit card pending charge is supposed to " fall-off '' an account in a reasonable timeframe ( 48 hours?, 30-60 days? ) but Goldman Sachs can not not get this done in > 11 months ... after several phone calls alerting GS to the problem.
|
| 10/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
Problem/Issue : After informing Marcus about an incorrect address, Marcus continues to send statements to an address that I no longer live at.
Result : Statements not received, late statements and a risk to me as someone can pick up my statement and create fraud. Marcus management is neglecting their duties to protect my data, inform me of a regular timely statement through US mail that can be paid before encountering a late fee.
Expectation : Marcus will permanently fix the address issue and send me timely reliable statements.
Background information : Marcus took over the GM Card after XXXX no longer did this in XX/XX/2022. I moved and informed Marcus of my new address. I began receiving the statement at my new address with the correct address. In XX/XX/2022, I did not receive a statement from Marcus. I logged on to Marcuss website and downloaded the statement and paid the bill.
I called Marcus and informed them that I did not receive a statement. They offered to mail one or email it to me. I informed Marcus that the XXXX statement had an error on it, and the address was incorrect. I indicated to Marcus that I wanted them to correct the address issue and send statements to my current address and that there was a problem with their information billing system. Marcus has my current correct address associated with my customer profile. I also provided it to the customer service representative who indicated that Marcus would fix the incorrect address. The customer service representative seemed to not understand the issue after repeating the situation a number of times to her.
On XX/XX/2022, I received a letter from the US Post Office with a yellow label on it stating inform sender of address. I opened the statement, and it had my old address on it. I received the statement late and had to rush to pay it before encountering a late fee, in which Marcus is to blame, since they again failed to protect my data and send me statements directly.
I called Marcus again to inform them about the incorrect address on my billing statement. Again, I found disconcerting was that the representative would not take the issue and assure me that it will be fixed. I informed Marcus that I am going to file a complaint. Marcus does not seem to care about my personal data, business with them, compliance with the credit card agreement, and sending me reliable, accurate and timely statements.
|
| 01/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased 3 airline tickets from a foreign airline by the name of XXXX.
Our flight was scheduled to depart in XX/XX/2020. We received short notice that our flights were canceled and a voucher was " issued '' and could be exchanged for another flight within 1 year before expiration. The airline announced that they would no longer fly from the USA making using that alleged voucher impossible since I must fly from the USA to any destination. For months their customer care stopped taking calls and there was no way to reach them. I attempted to call XXXX multiple times to learn how to redeem the alleged voucher that wasn't showing up on my account. After several attempts to reach them, I filed a dispute with Apple Card and they shortly decided to close the claim in favor of the airline. Stating that the merchant has told them they provided a credit voucher. I went to further explain there was no such voucher on my account and they weren't operating anymore. The Apple Card rep was no help and said unless I had " new '' evidence there was nothing that could be done. I was infuriated! I had just been robbed of almost {$500.00} and the company presumably helping me was siding with the merchant who is being dishonest.
A few months passed and now the airline 's website ( XXXX ) is no longer in existence, their customer care 800 numbers are not in service!
It has been publicized that the airline has not even paid its workers. I shared this with the 3 Apple Card representatives and all of them gave me the ridiculous response that it " wasn't new evidence ''. This airline has thousands of hundreds upon hundreds of complaints about their practices and the company that has promised to back me up has not done so. This is all so frustrating, we are in the middle of a pandemic, we have no jobs or steady income and now this? It makes me sick to my stomach, I am deeply disappointed with Apple Card because I've heavily promoted their products and services to everyone I know and converting most of them from their competitors to XXXX and now they have failed me.
XXXX can not just agree with the merchant ( XXXX ) that they have provided a solution when their website, phone numbers, and the airline is not even operating.
I've attached some screenshots of the ongoing issue and hope I can find someone who can help me. My next step is contacting the media to shine a light on this issue.
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| 12/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Goldman Sachs XXXX XXXX, XXXX XXXX XXXX XXXX, Pa XXXX Adverse Action To whom it may concern ; Im writing this letter to inform you about the credit transaction entered with your Company XX/XX/2022, and I extended your organization the credit for the Apple Card with this email address.
Im giving your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which means shows the pertinent facts of this transaction. Your Company never informed me about the Cost of Credit and only evidence of indebtedness was just a computer-generated agreement.
According to the law 15 USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any means reasonably assuring the receipt thereof by the cardholder.
Since there was not an adequate notice given as per above mentioned section, I couldnt understand its meaning which is violating my rights under 15 USC 1602 ( k ).
Furthermore under 15 USC 1601 ( a ) consumer must be aware of the Cost of the transactions. Since I wasnt aware of the transaction, there was an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.
From your side I have not benefitted from this above transaction which is again a violation of 15 USC 1602 ( p ).
According to 15 USC 1602 ( p ) The term unauthorized use means use of a credit card by a person other than the card holder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit.
I hereby request you to these things below mentioned XXXX. Reverse the adverse action that was sent to me and please send me my credit card with my proper name on it.
If your company accepts my request, I will not escalate this matter to Federal courts, but if my letter is rejected for some reason, legal action will be taken against your company for compensatory damages.
Thank you for your time and attention for this matter.
Sincerely, XXXX XXXX XXXX
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| 09/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I have a Goldman Sachs Apple credit card. Even though this is an Apple branded card, it is part of the XXXX network making this a standard credit card and is therefore bound by standard and customary rules and regulations for a credit card product. This would include how transactions are posted to the account and how information is reported to the three credit bureaus. However, Goldman Sachs is treating Apple transactions on this card as a " loan '' product and reporting transactions to the credit bureaus as a credit card transaction, which they shouldn't be doing. Loans are regulated differently than credit card purchases.
This is how they are doing it. Say your credit limit is {$2000.00}. As an Apple Card holder, Apple allows you to make a purchase and pay over time. It's a benefit of the card. You agree to pay a specific amount each month. Apple also offers a " loan '' option via XXXXXXXX XXXX for the same monthly payment, further differentiating these two options as different products not alternatives to one another. The Apple Card is a credit card product and the XXXX XXXX option a loan product.
Now say you make a {$1000.00} purchase with Apple and choose to take advantage of the card benefit and pay over time. Your monthly payment plan on the Apple Card is say {$50.00} but the product you purchased was say {$1000.00}. Goldman Sachs will take {$1000.00} out of your available credit of {$2000.00} and then your {$50.00} will go towards that {$1000.00} not the card itself, making this a loan within a credit card. Goldman Sachs will then report to the credit bureaus in a confusing and misleading way. They will report as if it's a credit card transaction, but they are treating the purchase as a loan. When it reports to the credit bureaus it will report with a " balance '' on the card of {$1000.00} and your available credit is {$1000.00}. This then reports as a 50 % credit utilization rate which damages your credit score. Under FCRA you can not report one product as another product, that violates FCRA regulations. Apple and Goldman Sachs claim, well you as a consumer agreed to their terms and conditions therefore, they can do whatever accounting maneuvering they want and this some how gives them a " pass '' from abiding by any corporate accounting and banking regulatory laws. Laws and regulations always supersede any terms and conditions a business may try to use.
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| 06/11/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX I schedule a transfer from XXXX Goldman Sachs for XXXX XXXX to an external account to take place on XX/XX/XXXX.
When I scheduled the transfer, a message popped up and asked me why I am transferring that amount of money. I answer a question, but I just thought it was a customer survey.
On XX/XX/XXXX I received a call asking to call back the bank XXXX.
I called back, and they told me that they wanted to be sure that it was me that Initiated the transfer.
The strange part is that the transfer was done to my own XXXX account, so the activity was not suspicious or fraudulent.
Then I asked them to explain the reason for suspending the transfer and they gave XXXX contradicting answers.
1. They have concerns that the transaction was fraudulent ( however they later acknowledge that I was transferring the money to the originating account ).
2. They generally want to keep the money for XXXX days in the savings account ( which is stranger, as I needed the money for paying the school of my children and it was not a certificate of deposit ) 3. Finally, the most disturbing thing, that according to the savings agreement they reserve the right to block withdrawals from my account. I read the agreement and that statement was right. But it was not clearly disclosed to the customer. Moreover, the bank does not discloses the amount to be block from being withdrawal.
I just want to file a complaint against XXXX Goldman Sachs for preventing the customer to access their funds on timely manner. Blocking transfers to originating accounts are just an excuse to retain funds at the bank. This is not the standard practice of banks. I transferred money in the past between my accounts and this is the first time that my transaction is blocked by a bank based on security reasons ( I am not sure how suspicious is a transfer of money between my own accounts ).
This is reducing the quality of the service ( timely availability of funds ) which is standard to any savings account.
Also I want to complain on the time duration for transfers to my XXXX account. The XXXX transfer takes up to XXXX days. But the money is frozen for XXXX days. The bank is holding the money at the expense of the customer. They should make the money available after the XXXX transfer is completed and not holding the money in excess of that time. They currently hold the money for an extra XXXX days.
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| 08/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I was in XXXX in XX/XX/XXXX and I bought the below boat rides, taxis and tours from XXXX XXXX XXXX XXXX for {$230.00} on XX/XX/XXXX.
1. Boat ride from pier to XXXX XXXX - 20 minute boat ride ( completed but took us to the wrong pier / opposite side of the island ) 2. One-Day 3 island tour - service not provided/ they never showed up 3. XXXX XXXX to XXXX XXXX XXXX Speedboat- service not provided/ they never showed up XXXX. XXXX XXXX XXXX to XXXX ( Ferry ) - service not provided/ they never showed up XXXX. XXXX XXXX to Airport- service not provided/ they never showed up The company started by taking us to the wrong island, so we had to find another boat to get to where we needed to go to and didn't get there until nearly XXXX. Then, the tour company messaged us saying we needed to come back at XXXX to find new times because his drivers/boat people aren't available. We said no and that it was already XXXX and we're not getting up early to go and revise all this and he needs to honor the times we agreed to. We told him if he doesn't do this, we need our money back and he said no.
The next morning, the tour company never showed up and neither did anyone else for the other tours/ ferries ( items 2 - 5 ).
I first disputed the transaction on XX/XX/XXXX with Apple Card support received a rejection / denial on XX/XX/XXXX saying " The merchant charged you the same amount that you intended to and did pay for your purchase '' I refiled the same day, and on XXXX I was told " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim '' I refiled again and on XX/XX/XXXX was told " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim '' I have repeatedly provided Apple the entire XXXX XXXX where the tour company is telling us they can't deliver on the tours we purchased, a map of showing where they dropped us off and where we should of been, plus a long 13 point email of detailing everything that happened. They did not show up for any of this, and all Apple Card has done is provide copies of the receipts that the tour company provided them- which I already have.
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| 07/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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We are writing to complain that the Goldman Sachs Apple Card refuses to issue a credit for returned merhandise in the amount of {$840.00} despite receiving these funds from the XXXX XXXX after we returned the merchandise. The details are as follows : On XX/XX/2021, we purchased a drone from the XXXX XXXX via the Goldman Sachs Apple Card and were charged {$840.00}. This was Order Number XXXX. The shipment was never delivered.
On XX/XX/XXXX, the XXXX XXXX issued a refund. Subsequently, a neighbor called that she had received the delivery and we picked it up from her, noting that the delivery label had our name but her address ( which has the same street number but a different street several miles away ). We reported it to Apple and were re-charged the amount again on XX/XX/XXXX.
On XX/XX/XXXX, we return the item unopened to the XXXX XXXX where they refused to accept the return. Instead, we were sent a shipping label and shipped it back on this date.
On XX/XX/XXXX, the shipment was received by Apple and we were told we would receive a refund in 3-5 business days. That never appeared. Subsequently, we inquired and were told to wait 7 - 10 business days. Still, no refund.
On XX/XX/XXXX, we disputed the charge with Goldman Sachs Apple Card and were told it would be resolved in 90 days, but the dispute was resolved in favor of the XXXX XXXX just an hour later. We contacted the Apple Store again, received a copy of the credit invoice generated on XX/XX/XXXX showing we were due the refund, and then contacted Goldman Sachs Apple Card who opened a new claim but could not provide an ID for this claim. They also told us there was no evidence we were due a refund and they could not review the credit invoice we provided because that would be " two way communication ''. ( Apparently, they do not take any information from customers during their dispute process before resolving in their own favor. ) So we attempted to provide the invoice via the XXXX chat but were told to contact a specialist and start over again. Having spent many days and hours on this process we declined to start over again.
At present, there remains a charge of {$840.00} on the Goldman Sachs Apple Card account despite the credit that was issued to Goldman Sachs Apple Card by the Apple Store for this amount on XX/XX/XXXX. In essence, XXXX XXXX is keeping our refund amount rather than returning it to us.
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| 04/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I currently hold a credit card with Apple through Goldman Sachs. I made my payment on the card for XXXX on XX/XX/XXXX, but on XX/XX/XXXX they drafted 4 more payments that were not authorized. When I contacted them after the first payment drafted I asked them to cancel any and all payment drafts that were still showing. Every hour following I continued to receive notifications that payment was drafting. After each notification I kept calling and asking that they cancel them and they refused stating you need to contact your bank and have them cancel the payments because it looks like there was fraudulent activity on your account. When i asked if they would reimburse me any fees that were incurred because of this fraud the rep said he would notate my account. I had to contact my bank to put a stop payment on all of the amounts. I then proceeded to have billing issues with the devices that I had on installments with the Apple Card and reached out to the Goldman Sachs representatives who claimed that in order for my billing issues to be resolved I needed to add a bank account back onto my account with them. I asked to speak to a supervisor again and they only said that there were no other representatives that I could talk to and did nothing to resolve my issue or answer any questions. When a different supervisor reached out to me she stated that they would not be waiving any future fees that should post because they already waived 1 {$6.00} interest fee and was very condescending when I tried to explain what I could see on my end and how it wasnt matching up with the information she was giving me. All of the representatives and supervisors have told me different stories in relation to my account and multiple have told me that they would not be doing anything to protect me from the fraud that they claimed they could see on my account. The last supervisor I spoke with claimed that I will be paying interest for the next 2 months following this issue and when I asked Why if I pay off my card every month? She said it rolls over from the previous months balance. When I asked why there would be a rollover if there was no previous balance she said thats just our billing policy. I believe that violated my Fair Credit Billing Act to be charged interest in a situation where the Goldman Sachs Apple Card reps themselves are telling me that they are noticing fraud on my account.
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| 10/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Goldman Sachs XXXX XXXX, XXXX XXXX XXXX XXXX, Pa XXXX Adverse Action To whom it may concern ; Im writing this letter to inform you about the credit transaction entered with your Company XX/XX/2022, and I extended your organization the credit for the Apple Card with this email address.
Im giving your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which means shows the pertinent facts of this transaction. Your Company never informed me about the Cost of Credit and only evidence of indebtedness was just a computer-generated agreement.
According to the law 15 USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any means reasonably assuring the receipt thereof by the cardholder.
Since there was not an adequate notice given as per above mentioned section, I couldnt understand its meaning which is violating my rights under 15 USC 1602 ( k ).
Furthermore under 15 USC 1601 ( a ) consumer must be aware of the Cost of the transactions. Since I wasnt aware of the transaction, there was an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.
From your side I have not benefitted from this above transaction which is again a violation of 15 USC 1602 ( p ).
According to 15 USC 1602 ( p ) The term unauthorized use means use of a credit card by a person other than the card holder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit.
I hereby request you to these things below mentioned 1. Reverse the adverse action that was sent to me and please send me my credit card with my proper name on it.
If your company accepts my request, I will not escalate this matter to Federal courts, but if my letter is rejected for some reason, legal action will be taken against your company for compensatory damages.
Thank you for your time and attention for this matter.
Sincerely, XXXX XXXX XXXX
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| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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APPLE CARD - GS BANK XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX - - XXXX XXXX CO XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX - - XXXX - - - XXXX - - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - XXXX XXXX XXXX CO - - PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance - Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CHARGED OFF ACCOUNT ACCOUNT CLOSED BY XXXX XXXX Your statement - Contact info Address LOCKBOX XXXX XXXX XXXX XXXX GOLDMAN SACHS BANK XXXX XXXX PA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
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| 05/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On XX/XX/XXXX I went to XXXX XXXX at XXXX XXXX XXXX in XXXX, California for a consultation. The staff member I met with proposed a service package and price. I was uncomfortable with the price and told her that I could not afford it. She responded by offering an installment payment plan through a third-party company called Greensky. I asked multiple times to confirm that it was NOT a loan product and it would NOT be attached to my personal credit. It was simply an alternative payment option to pay over time as I attended my treatment sessions. I agreed to this payment option.
A couple weeks later the COVID pandemic began and XXXX XXXX suspended services. I was ( and still am ) a XXXX XXXX worker working directly with XXXX XXXX patients. When XXXX XXXX reopened it was not safe for me to expose myself, XXXX XXXX staff, or my patients to illness for an optional cosmetic procedure. I informed them that I was suspending my service indefinitely and cancelled my appointments. They understood and did not have an issue with this.
Greensky frequently sent me bills in the mail for these services that I was not receiving. When I would call the numbers on the bills to explain the situation, I could not get through to them. They continued to send bills for services that I was not receiving. Eventually they acknowledged my issue and established internal case number XXXX. Screenshot attached. To my knowledge I never received another update on this case, and I'm not convinced that it was given true consideration or resourcing.
On XX/XX/XXXX they sent notice that a " temporary suspension of payment obligations on your Patient Solutions loan due to the COVID-19 pandemic '' would end on XX/XX/XXXX. Yet during this same period of XXXX - XXXX, XXXX they were actively reporting that my ( unauthorized ) payment obligations were past due to credit bureaus. I've attached screenshots documenting this.
This month I became aware that this derogatory mark for late payments is still on my credit report, which has harmed my ability to pre-qualify for loans, increase my credit limit, and qualify for rental housing, among other issues.
Upon researching Greensky I became aware that they have frequently engaged in nefarious business practices just like the fraud I've experienced, as documented in GREAT detail in a XX/XX/XXXX Consent Order File No. XXXX XXXX XXXX XXXX XXXX
|
| 08/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Around XXXXXXXX XXXX XXXX, I saw a video ad on social media that peaked my interest. I was going into the insurance business and it was a dual funnel system to generate leads for me. I thought, great, if this program works to generate leads for me I dont have to buy any from sketchy vendors, nor chase leads as the program said helps to reduce. I set up a call to learn more. I got on the call XX/XX/2022, the salesman said that I would have a personal mentor who would help me set up the program to generate leads and that I would make {$30000.00} per month. I purchased the program, paying half, {$3900.00}, at the moment and the salesman did not mention when I would have to pay the rest, but that he wanted me to see the program and swore on religious practices that it would be helpful. He also mentioned that if the program was not a good fit, that I could withdraw and receive a refund.
AFTER they charged my card, they sent me a docusign, which he said I had to sign, which was the terms of service. Out of good faith, I signed. I got access to the program.
I then saw that they were all modules, it was a classNOT a program that would generate leads for me. I had to do it all.
I was deceived into making a purchase for a service to generate leads for me. The sale was over the phone in which no payment plan details were given nor was a receipt stating what it was I was actually purchasing and I paid half of it in the moment. I started the program I purchased, and it was not as agreed or described by the salesman.
I used my Apple Card.
I requested to cancel with the merchant the following week, given that the salesman on the phone said I could if the purchase didnt fit my needs. I talked to the salesman on the phone, he said he would talk to his higher ups but that he wanted me to really give it a chance. He also said that I would not be charged for the other half of the price until we came to a resolution. He never got back to me, the following month I was charged the second half, and then began the dispute with Apple Card.
The dispute has now ended a few times not in my favor. Multiple times I have submitted emails showing that the merchant stopped responding to me on multiple different occasions. Goldman Sachs/Apple Card is not even looking at my evidence nor considering it. I do not feel heard at all by Goldman Sachs/Apple Card with my dispute.
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| 08/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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Web |
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Apple Card/Goldman Sachs took an adverse action upon me by closing out my account, which actually constitutes as discrimination per the ECOA. They've also taken unfair and deceptive means by eliminating my view of Statements, Transactions, Open Disputes, & Balance of Alleged Debt ( Billing Error 15 USC 1666 ). Please address those 4 problems above as well as the discrimination/adverse action/closing of my account. The customer service is very poor, gives misinformation, doesn't respond for 20min at a time, I escalated my concerns 19 business days ago in regards to this and still no response.
It has come to my attention that Goldman Sachs has discriminated upon me and breached a fiduciary obligation. In accordance with the Equal Credit Opportunity Act, 15 USC 1691 ( A ) ( 3 ) it shall be unlawful for any creditor to discriminate because the applicant has in good faith exercised any right under CHAPTER 41. Chapter 41 Consumer Credit Protection, Truth In Lending Act, 15 USC 1602 ( F ) defines Credit which is the RIGHT granted by any Creditor ( 15 usc 1602 ( g ) ) to a debtor to defer payment of debt or to incur debt and defer its payment. I have in good faith exercised this right as a Creditor and demand an open end credit plan be created, as you also have a fiduciary obligation by gaining access to my XXXX XXXX XXXX account, in which as Beneficiary I havent benefited from this transaction. Per HJR-192 of XXXX the Gold clause was dismissed, the United States went bankrupt, birth certificates were created bonds used as collateral. Per 12 USC 83 banks can not make loans on their own capital stock, 12 USC 1431 defines banks as borrowers. I signed a deceptive form in accordance with the FDCPA, 15 USC 1692j, the application is a promissory note/negotiable instrument, I endorsed. I do not receive income from employment, yet Im compensated pursuant to 12 USC 4502 ( 6 ). I am demanding my Apple credit card be taken off restriction with a {$30000.00} limit to be deferred on a monthly basis as requested. In terms of any alleged debt, please forward copies of VALIDATION and see case XXXXXXXX XXXX XXXX XXXX XXXX as statements are not sufficient evidence. Financial Institutions do not loan anything, my endorsed ( signature ) application ( negotiable instrument ) is made equivalent to federal reserve notes and disbursed back to me in the form of a " loan ''.
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| 12/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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Web |
Servicemember |
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I ordered a XXXX and was approved for Financing thru Greensky in XXXX XXXX. I was approved for {$36000.00}, however since the XXXX was not going to be delivered until XXXX of XXXX. Only {$6000.00} was charged to the credit line as the deposit for the XXXX. In XXXX of XXXX, when the XXXX was ready to be delivered the remaining balance of {$19000.00} was charged to the credit line. Greensky closed my original account ending in XXXX with the XXXX Statement and opened a new account ending in XXXX starting with the XXXX statement. They did not notify me that I had a new account so I continued making my monthly payments to the old account ending in XXXX for XXXX {$200.00} and XXXX {$350.00}. In XXXX, I started receiving text messages that my payment was overdue. I called them and they explained that my last 2 payments, totaling {$550.00}, had been applied to my old account ( the first time I was hearing about a new account ). I asked if they could transfer the payments to my new account, and they indicated they could not. So, I asked them to refund me the payments and I would then pay the new balance in the new account - at this point, I owed {$330.00} for XXXX and {$330.00} for XXXX. I asked them to notate my account to this conversation. I received the check {$550.00} in XXXX. I electronically deposited the check, and immediately made the payment of {$670.00} towards my new account. I later received a letter from my bank stating that the check was returned for stop payment. I contacted Greensky, and was told that they had put a stop payment because the credit from my old account had been applied to my new account. I again explained the entire scenario and was told another refund check would be sent. About 3 weeks went by and no check, I called again and was told that the check had been issued to give it a few more days and call again if I didn't receive it. I called yet again, and was then told that they had not issued the check because my payments had been applied to my new account. I asked to have a manager call me, no one has returned my calls, I've been told someone is looking into it and I just continue to get the run around.
I have included my final account statement for account ending in XXXX, the new account statement ending in XXXX and my XXXX bank statement which shows my payment for the outstanding balance plus the returned check fee.
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| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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The two banks involved in this ongoing issue are XXXX XXXX XXXX XXXX and Goldman Sachs. The bank that has reported an unfair and unethical delinquency is Goldman Sachs. I opened an Apple Card with Goldman Sachs in XXXX of XXXX. Please note that prior to the reported delinquency I had never made a late payment on this or any of my accounts that are reported on. On XX/XX/XXXX, XXXX several months after the so called " late payment '' I received a notification that I had failed to make a payment on my account when I was not previously notified of this as had been told my payments were successful previously. I immediately made an additional payment on XX/XX/XXXX to rectify this and was told by a member of Goldman Sachs that this was an error on their part and that this would not reflect on my credit score/reporting by an employee at GS bank. Several months later I found out this was not true as my XXXX XXXX decreased for this very reason. I have talked to several members at both Goldman Sachs and XXXX XXXX XXXX XXXX and every time am told a different story where each bank places blame on the other for the failure in transaction and gives different explanations. I have been trying to resolve this issue for roughly 6 months and still have this reported delinquency where Goldman Sachs passes me between departments and submit an internal " dispute '' only to have another employee dismiss it because they're stating that the payment was not received with XXXX context of the situation whatsoever. I have also disputed this with XXXX twice who then circles back with Goldman Sachs who states that the delinquency is correct. Goldman Sachs states that XXXX marked the charges as " unauthorized '' and XXXX states that Goldman Sachs pulled from " someone elses account. '' Most recently this past week, I spoke with a very helpful member at XXXX XXXX XXXX XXXX who let me know that Goldman Sachs tried to pull the funding out of another members account ( please see attached letter from XXXX employee detailing the situation ). I am also attaching the emails I received on XX/XX/XXXX notifying me of the tardy payment several months AFTER the fact. I have also attached my bank statement from Goldman Sachs which details the payment for XXXX highlighted and several other confirmations I received. Please let me know if I can provide any additional statements/information.
|
| 01/29/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
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Web |
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On XX/XX/2020, Goldman Sachs ( Marcus by Goldman Sachs ) emailed a promotional offer to me offering a {$100.00} credit for depositing {$10000.00} in new funds into my existing Marcus Account, and in particular to my Online Savings Account within my Marcus Account.
The terms stated that the funds must remain, as well as existing funds at the time of the deposit, for at least 60 days. The specific language was " After enrollment, you must deposit {$10000.00} or more in new funds ( internal transfers wont count ) into a Marcus Online Savings Account within 10 days of enrollment and maintain at least {$10000.00} of those new funds in your account in addition to your account balance at the time of enrollment for 60 consecutive days from the date of reaching the required dollar amount. '' Note the deposit account specifies the online savings account, but the maintain clause simply says " your account ''.
I made a qualifying deposit on XXXX XXXX A few days later I made an internal transfer with my Marcus account between the Online Savings Account and another online deposit account. Marcus deemed this transfer to disqualify me from the promotional offer. No funds were removed from my Marcus account, and in fact additional funds were added days later.
I contacted Marcus and pointed out that their use of the word account was used by them both to re
fer to the sub-account which called the Online Savings Account and to my total deposit account with Marcus, and that the promotion did not specify which usage was meant. I offered the service representative and subsequently her supervisor the opportunity to restore the promotional offer to my account, so that their treatment would comport with a simple English reading of their promotional materials. After consultation with some internal group, each declined to do so and explained to me why I was at fault.
I believe the service reps that Goldman Sachs meant the smaller sub-account in their design and execution of the promotion. I also believe, however, that they should be accountable to living up to the simple English reading of their offer. I do not believe that I should lose out because their staff were sloppy in their use of ambiguous language in their offering. Goldman Sachs neither did so in the initial case, nor did they correct the error when I pointed it out to their customer service contacts.
|
| 04/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against GOLDMAN SACHS XXXX XXXX XXXX for committing identity theft. I have never given GOLDMAN SACHS XXXX XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under XXXX XXXX XXXX XXXX ( XXXX ).
I have never received any documentation requesting validation from GOLDMAN SACHS XXXX XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to XXXX XXXX Code XXXX ( XXXX ) which the FTC defines as debt parking. If GOLDMAN SACHS XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
The status of this account reporting as a XXXX XXXX is an inaccurate account, which is a violation of XXXX XXXX XXXX XXXX ( b ).
The continued reporting of this inaccurate information is a clear violation XXXX XXXX XXXX XXXX your responsibilities as a furnish ofinformation & XXXX XXXX XXXX XXXX ( b ).
I am legally refusing to pay this debt pursuant to XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until GOLDMAN SACHS XXXX XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and GOLDMAN SACHS XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and GOLDMAN SACHS XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to XXXX XXXX XXXX, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
|
| 07/04/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
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Web |
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I opened an online savings account with Marcus by Goldman Sachs on XX/XX/2021, I transferred {$1000.00} from my personal bank checking account and {$8000.00} from my savings account ( {$9000.00} total ) on XX/XX/XXXX. The money left my personal bank account on XX/XX/XXXX. I went to log in my Marcus account on XX/XX/XXXX to find that they locked me out of my account. I called Marcus customer service and they said they don't know why it's locked and nothing can be done until Monday XX/XX/XXXX because the team that unlocks accounts isn't here on the weekends, also they said they didn't receive my {$9000.00} from my personal bank. So I call on Monday, they say they are force closing my account and I can't get my money back that I sent over, they told me they never got {$9000.00}. I called my personal bank, verified the account and routing was correct and they said nothing can be done because the money left the account and is in the Marcus account. On XX/XX/XXXX Marcus said they received the {$9000.00}. So they closed the account on XX/XX/XXXX and my money got sent to a closed account. That money should have been rerouted back to me the next day ( according to my personal bank ). The representatives at Marcus would not tell me why they closed my account, when or how I will get my money back. They just kept saying " we can't disclose any information regarding the matter '' for every question I asked, I was transferred to several supervisors and they all kept saying they can't tell me anything except the account is closed and they will not send my money back, no transfers can be made and they can't transfer any money back. Marcus told me to have my personal bank recall the funds, they said my personal bank will have a procedure for getting my funds back. My personal bank said that's not possible, they don't know why Marcus would tell me that and Marcus needs to send the money back because they have it and they closed the account. I keep getting the run-around I have been calling my personal bank and Marcus everyday, several times a day to find out where my money is and it's XX/XX/XXXX and I still have no answers or my money back. This is theft. Marcus bank literally stole my money. They should not be allowed to operate. They need to be investigated, how can they treat people like this?! I have bills to pay, this is causing me a lot of distress.
|
| 03/27/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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Web |
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MARCUS FROM GOLDMAN SACHS DELAYING ON MAKING A TRANSFER OUT FROM SAVINGS ACCOUNT Having opened a savings account with Marcus from Goldman Sachs without any fixed-term deposit periods, I attempted to transfer money out to my different institution checking account after close to 3 months.
The first transfer request of {$3000.00} was made on XX/XX/XXXX through online banking with a 1-3 business day wait.
This transfer was reversed on XX/XX/XXXX, but without any notification.
Logging on on XX/XX/XXXX, seeing it was reversed I used the online " chat '' function to learn the error was mine, I had initiated a transfer to an account that I had closed.
On XX/XX/XXXX, I linked a new external account to Marcus ( my personal checking account with the same external institution as prior ) initiated a transfer request for {$4000.00}.
On XX/XX/XXXX, I received a phone call from an agent at Marcus, who wanted to know before she could authorize the transfer, what my savings goals were, and what the funds were being used for ( purchase, vacation ), as I had not had the account open for very long. This was not a money laundering security question. The agent confirmed the transfer and that it would take 1-3 business days.
On XX/XX/XXXX, noticing the funds were not in the external institution account, I checked on the transfer by logging in to Marcus and saw that the transfer had been reversed on XX/XX/XXXX without explanation. I used the online chat function to be told I needed to call. I called Marcus, and it took the agent 45 minutes to ascertain that the transfer had not been initiated because my account needed a review, which could take 2-3 business days. If I had not heard from them in that time to give a call back. At this point it just appeared that Marcus did not want to make the transfer. Alternatively, the agent said she could send a check that could take 7-10 business days to arrive. I did not trust the institution to do this, but it appeared to be another delaying tactic for making the transfer.
However, on this same call of XX/XX/XXXX, I therefore asked for the account to be closed. I was told that the account will be closed today, and a check with interest would be issued and take 7-10 business days to arrive. I have not, as yet, receive any notification by email that the account has been closed, and it is still available to me online.
|
| 10/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I have been battling with Marcus by Goldman Sachs for months. My entire wallet was stolen from my gym, XXXX XXXX XXXX, in XX/XX/XXXX. I reported this to the police and notified Marcus by Goldman Sachs requesting they close the account and lock the card. However, my request fell through the cracks and the thief was about to make over {$2000.00}. I disputed all transactions from XXXX and the only transactions that were awarded in my favor were the ones that failed to provide evidence to Marcus. The financial institution is claiming that the merchants have provided sufficient evidence because the tracking shows proof of delivery and my information matches. I have requested documents from these merchants and they are all online purchases from an XXXX XXXX ( Ive had an XXXX XXXX since XXXX ), the carrier service is XXXX XXXX XXXX ( I use XXXX ), my name is continuously spelled incorrectly on all purchasing orders, and the orders come from email addresses that do not belong to me. The email addresses are ; XXXX, XXXX and XXXX. None of these email addresses belong to me. I also have proof that similar charges, from the exact same email addresses, occurred at the same time on a XXXX credit card. They were all marked as fraudulent and I was not held responsible. The law states that : Under a XXXX federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. The Consumer Financial Protection Bureau issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission were the bank 's liability.
This financial institution is not providing sufficient explanation and reasonable cause for their decisions, leaving me victimized by Identity theft.
Marcus by Goldman Sachs has also made me aware that a charge from XXXX can no longer be reasserted and I will be responsible for the transaction amounting in {$120.00} and XXXX XXXX in the amount of {$530.00} and I am held liable for these transactions. I never authorized these purchases, no one else had authority to make these purchases and I did not receive the merchandise from any merchants.
|
| 11/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/2023 I filed my initial complaint against Goldman Sachs as the bank issuer of the Apple Card. Please see the lengthy description of the issues. GS representative responded on XX/XX/2023 acknowledging their egregious errors with the handling of the fraudulent purchases made on my Apple Card. However, since their response my credit card has now toggled between restricted and ultimately locked due to XXXX XXXX being listed under installment payment plans. These were the very same phones originally purchased on XX/XX/XXXX ( the date of my card being hacked ) and were reversed under the XXXX complaint response. I was advised by a customer service representative that these were placed on my Apple Card by the XXXX XXXX. However, the dates coincide with the date the GS responder reversed all fraudulent purchases. I am back to where we started as it appears the XXXX " back office fraud department '' is not aware of the complaint response acknowledging the fraudulent purchases or the fact that all of the outstanding issues had been resolved. Additionally I was to have received a return call from the GS responder confirming that my XXXX ID was recovered contrary to the statement made in their response. I have had at least XXXX separate customer service line supervisors confirm the recovery of my ID and that all compromised information has been deleted or other security put in place.
I have placed numerous requests for a response from someone in the back office operation to get an explanation of the issues but as of yet I have not spoken to anyone in the XXXX weeks since the mess reappeared. I was told they tried once but that my phone would not allow them to be put through and they are only allowed to make XXXX call to a customer. I advised that as they were calling from a restricted number, XXXX does not allow the completion of those calls for my safety. I left instructions that they either call from an identifiable GS phone number or to contact me through email. Again, nothing. To say this has been frustrating and terribly inconvenient just doesn't express the feeling of victimization from the company who states their policy of " XXXX XXXX Liability '' as a hallmark of their organization. What a joke. I have had to advise vendors that my annual renewals normally charged to my Apple card will have to go to another of my accounts.
|
| 09/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I was alerted to an account being opened with Goldman Sachs Bank in XXXX. Myself and my XXXX Identity protection agent called on XX/XX/XXXX to have it closed. We were on the phone for 2 hours to close the account. This account was open under identity theft and we explained that all to them and they assured us it would be closed and in 10-14 business days I would receive confirmation. Now over 20 business days later it was still not closed. Myself and my agent called today and again were on the phone for over an hour. They told us that the account was under investitagtion and that it was never closed. In addition when they tried to verify my identity the number and email address that they had did not match what I had provided last time because the person who did the opening of the account was able to call back and change it. In addition they asked me for the verbal password which I had never put on because again it was the person that stole my information and opened this account. While on the phone today they stated that due to it being under investigation that they could not close it, that it was only locked. They refused to give us contact with the department that could handle closing the account and stated they needed another XXXX business days. We told them over and over that their is no reason for there to be an investigation when it was reported to be fraud over a month ago and I still had not received ay documentation that it was closed. They would not close the account and stated that it is locked and all I could do is wait another XXXX business days to get a response on it. They were horrible and we told them that we would be filing a complaint. We need this account closed and this company looked into. Who knows what else will happen in the next XXXX business days for them to investigate this account. I do not trust that they will ever close it or follow through with anything in regards to this. They had over 20 days to take care of this, when they said it was closed on XX/XX/XXXX, and even admitted today that they never closed it and pretty much the customer service agent who told me on XX/XX/XXXX that it was closed was a lie.
This account was open by an identity theft, and Goldman Sachs Bank, refuses to close the account and follow through. They continuing to lie and not complete what is asked and expected of them.
|
| 11/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On XX/XX/2021 I applied for a credit card by granting the extension of my credit to Apple Credit Card so that I could in turn use the credit card for educational purposes. However, the company denied me at the end of the application process and advised me that " Unfortunately, Goldman Sachs Bank USA is not able to approve your application right now. '' I received an email from them telling me that this decision was based upon the inaccurate and unverifiable information reported on my credit report. Specifically, due to 1 ) Serious delinquency and public record or collection filed 2 ) Time since delinquency is too recent or unknown 3 ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high. And may I add that this information they received from the credit report they pulled and made their decision based off of is overloaded with inaccurate and un-validated adverse acting information. So you mean to tell me that you didn't even bother with conducting a full investigation upon the information you obtained in regards to the credit worthiness of my application? That is deceptive practices. Now, not only did this company benefit from my consumer credit due to a credit transaction but they also violated me and ran off with their benefit and left me XXXX out with no benefit at all. Like, they literally ran off on the plug on a good sis. This is wild crazy! I was violated and I can literally physically and mentally fell the violations, because I am HURT okay!
Moving forward this company is in violation pursuant to 15 USC 691 Equal Credit Opportunity Act and regulation B pursuant to 12 CFR 1002.4 ; ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction.
As the applicant I applied in accordance with the creditor 's procedures and they in return refused to extend the terms of the business that is a violation and they are not within regulated compliance pursuant to 12 CFR 1002.2 Their adverse action is not within compliance of the CFPB Their adverse action is not within compliance of the ECOA Their adverse action is not within compliance of my consumer rights and do not agree with the company response. Only one side received benefits from this consumer credit transaction and it was not me
|
| 11/09/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Please note that this is not a duplicate complaint. This is about an unauthorized wire transfer done by XXXX because of their sheer incompetency and carelessness.
XXXX has no internal controls or validations. They delayed my XXXX wire transfer requests of $ XXXX each ( to XXXX different banks ) for days for no valid reason. Now they have incorrectly sent both wire transfers of $ XXXX to the same bank.
Not only that, when I called them to alert them about their mistake this morning, they still failed to do their due diligence and prevent this disaster. A supervisor named XXXX lied to me on a recorded line saying that even though there are XXXX debits in my account of $ XXXX going to the same bank ( XXXX ), the second transfer is indeed going to the correct bank XXXX XXXXXX/XX/XXXX). Of course that was again a lie. I just checked my XXXXXX/XX/XXXXand they have received $ XXXX and $ XXXX from XXXX. How can people running XXXX be soXX/XX/XXXX? They have put me over the FDIC insurance limit with the XXXXXX/XX/XXXXbecause my bank balance with that external bank is now over $ XXXX.
On top of that, my financial transaction with the XXXXXX/XX/XXXXis on hold now as they never completed that $ XXXX wire transfer. Just now spoke to a supervisor XXXX and all she can do is say " I apologize '' with no way to fix anything. Because XXXX has fraudulently sent another $ XXXX to XXXX XX/XX/XXXX without my approval, there are not enough funds left in my account to send to XXXXXXXX XXXX XXXX XXXX as per my instructions. And XXXX is refusing to do anything about this other than to say " I apologize ''.
I can't complete the transaction for which I needed the $ XXXX in XXXXXXXX XXXX XXXX XXXX and I have lost days of interest on the unauthorized XXXX transfer they sent to the XXXXXXXX XXXX
History XX/XX/XXXX Outbound wire to XXXX XXXX XXXXXXXX. - {$250000.00} XX/XX/XXXX Outbound wire to XXXXXXXX XXXX XXXX - {$250000.00} The one from XX/XX/XXXX in unauthorized wire transfer.
Scheduled Transactions XX/XX/XXXX Outbound online wire to xxXXX - {$250000.00} My authorized wire transfer request to XXXX XXXX is still pending and is still showing up in Scheduled Transactions even though there are not enough funds left in that account because of XXXX 's unauthorized activity.
Here is the case number that was provided to me XXXX XXXX
|
| 01/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I applied for a 1 year loan from Marcus by Goldman Sachs on XX/XX/XXXX total amount of {$1000.00}. I have made payments, every month since getting this loan. Now at the time of the Loan I was receiving unemployment, I then asked a rep would I be able to make early payments or pay a little more each month since I didn't know how soon i would get a job once unemployment stopped, she verified and stated that would be fine. i made payments and not until late XXXX noticed anything was wrong. By then I had paid off majority of the loan and was now making XXXX dollar monthly payments. I noticed because i check quite frequently that Marcus had reported my account a couple days late. I called the date of XX/XX/XXXX them explained the situation they assured me they would handle it and someone would get in contact with me to rectify the late reporting and missed payments reporting on my account the reps name was XXXX and she also spoke with her supervisor. They both assured me and agreed that i was right and it would be corrected to call back regarding the case file in 7-10 days, in which i did and it was not completed. I response to that I received a call back asking when can i pay the remaining balance and the only calls i have received since than are collection calls asking when i am going to pay my balance.For starters XX/XX/XXXX has not even passed yet i owe only XXXX dollars left how am i 4 months late on payments when i have made payments every month since than and even paid most of it off early. All they do is email me about my report being closed to make payments and update my report as of going over 90 days late yet they have not responded to my letters, emails, or responded back to my original complaint. They now have my account reporting as closed, reporting as late, which is incorrect reporting, which in results have dropped my credit score a-lot. I have asked for an investigation, they have not completed it, or if they have i have not been notified of the decision. It has been months, I have called in XXXX, several times, in XXXX around XX/XX/XXXX and continuously the whole month as well as sent letters and an email, no response. Also reading in their agreement no where does it states a penalty paying off more than the estimated amount. it says no penalty if paid off early right at the bottom of the agreement.
|
| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Attached documents prove that Apple Card violated consumer regulations in credit reporting, failed to properly investigate errors that their support supervisors identified as originating from Apple Card, and improperly reported an account as late for XXXX XXXX, when documents detail payments being made early/on time for said month. Attached documents show in detail that the Apple Card/GS bank generated technical errors, initiating a series of events - all caused by Apple Card - that were immediately rectified by the consumer ( myself ). Attached documents prove that Apple Card and myself only experienced brief windows ( hours ) in which either party was aware of issues. Attached documents prove that an error code generated by Apple stating that my bank ( XXXX XXXX ) or myself initiated returns for past month 's payments is WRONG. Though there were no late payments in this case, Attached documents prove that Apple Card violated regulations requiring late payments not to be reported negatively/late to credit bureaus under 30 days of past due. Said " returns '' ( documents show they were never returned to my checking ), occurring on XX/XX/XXXX and XXXX caused the account to appear past due for a brief period of no more than an hour or so. Payments were immediately sent, and I was assured on recorded lines by Apple Card XXXX that no further action was needed, and the account was current " Far from late. '' A supervisor identified the cause of the issue and explained it in detail on a recorded line ( case XXXX ), recognizing Apple Card 's error. As an example, for the month of XXXX, a payment was posted in the amount of {$3000.00}, which shows as accepted/recieved on the Apple Card Statement. On XX/XX/XXXX I was notified that this payment was " returned. '' My checking account statements ( matching the checking on the apple card statement ) show that these transactions were never present for myself or XXXX XXXX to have initiated, or received returns. Attached documents detail the situation in it's entirety. Support from Apple Card was minimal ; documents were requested to prove my dispute, but I was given NO proper location to upload the documents other than via generic help chat in the apple card/wallet app. Supervisors could not/would not confirm that these documents were even posted to the case or my profile.
|
| 09/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
|
| 06/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Back in XX/XX/XXXX, i when to XXXX to purchase a shoes for me and my fianc for her birthday. I first went on the website to schedule an appointment. Once I got to the XXXX store in XXXX XXXX XXXX XXXX I was greeted by the hostess. We went inside and looked around before choosing a shoes. After we chose the shoes I asked for a size 9, the lady told me get a size 8 because XXXX shoes run big, Ive never worn or purchased a XXXX shoes so I took her suggestions. We cashed out and i drove straight home. When I got home, I tried on the shoes with a pair of socks then I can feel my little toes getting a strangled and they started hurting. The shoes was extremely tight and uncomfortable. I put them back in the box and took them back to the store the next day ( XX/XX/XXXX ). When I got to the store, I wasnt greeted and people that was there the day before was not the same people. Some seems strange. Anyways, I walk over to the cashier and told the gentleman that I would like to return these shoes because they do not fit and its uncomfortable. He looked at me in a scornful way and said because of XXXX policy, we cant accept them back. For a second I thought he was joking. So I hand him the shoes and he said we cant accept that. I started getting extremely frustrated and angry because that sounds like a bag of XXXX. I told him that if hes not going to take the shoes that I will dispute the items with my bank. He said go ahead with a rude attitude. While I was in the store I contacted APPLE CARD and explained the whole situation and they initiated a dispute. The dispute was resolved in the merchant favor and they did not provide any information regarding my interaction with XXXX and what happen in store when I tried to return the shoes. Every month since XX/XX/XXXX, APPLE just keep on initiating a dispute which always come back in favor of the merchant. This has cost me anxiety and stress. Im losing sleep because of this. The last dispute was initiated back in XX/XX/XXXX. Again, Apple in favor of merchant. Apple asking for me that they need A second opinion from a qualified third party of the quality of the work performed by the merchant. For example, a qualified third party can be an independent autobody shop evaluating the work performed by a dealership mechanic what does this have to do with a dispute with XXXX.
|
| 06/23/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I received a letter in 2018 from Greensky XXXX XXXX ) their address is : XXXX XXXX XXXX XXXX, GA XXXX the letter stated I have a Loan approved for XXXX to make purchases for improvements/ constructions, this was a result of theft identity. One week later I received the same letter with my daughter 's name ( XXXX XXXX ) for the same amount {$65000.00} loan approved by Greensky XXXX XXXX
The bank was informed of this theft identity via phone, via mail and via email but they ignored me. The money was used by a criminal organization that used to get loans from victims like me and my daughter under the excuse of a solar systems project and construction. The criminal organization never performed any constructions at my premise. The criminals used this money on my behalf and my daughter 's. I let Greensky knows that I reported to police and there was a court case processing again this persons/criminals. there were around XXXX families around my neigboor with the same situation.
For more than 6 years me and my daughter 's credit has being damaged and no other financial institutions trusted usto approve any loan or credit card due to this debt collections for more than 6 years We had this problem going on. We never requested this loan, Greensky released the money to criminal persons and they were informed that my identity was stolen ( I mailed letters couple times and I emailed them to XXXX ). The bank received notification from me and reports from police, court records and never help me to clear this matter. The case is open in XXXX XXXX XXXX and I provided Greensky with the police report, But they never removed the debt under my name and keep contacting me to pay for the debt. Every day debts calls to us 24/7 I keep repeating myself about the theft identity issue an I asked Greensky no to charge my bank account account, but Greensky XXXX processed payments from my bank account.
This a chain of criminals taking advantage from people like me and my daughter. I found about XXXX families with the same situation around my neighbors I got XXXX and XXXX due to the actions and the treat calls I received every day from Greensky XXXX XXXX
I can provided proof of this information but to a private email from consumer affair I do not want to release private documents with my information on it. my email is XXXX XXXX
|
| 10/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX made a purchase on XX/XX/XXXX online order # XXXX from XXXX using my card from XXXX - XXXX sacks- XXXX I received a confirmation order date XX/XX/XXXX XXXX received a second email after few day showing that product was delivered on XX/XX/XXXX ( 2 days after I ordered ) and a XXXX tracking XXXX XXXX because I didnt receive the product I have to check XXXX website and add this tracking numb which per tracking history showed Label Created XX/XX/XXXX XXXX AM - XXXX first I made the purchase in XX/XX/XXXX how come the created the label two days prior! How did they know that I wanted to order? Second the picture attached in the tracking on XXXX and proof of delivery didnt match our townhomes exterior which u can goodbye and it s obvious not the same as the picture third I called XXXX to check if my address was the final destination of this tracking and they confirmed that my address is not on this delivery - XXXX I emailed the merchant in XXXX to request a proper tracking cause the one provided is not right and because Goldman sacks has rejected all the proof I provided and said merchant provided tracking they ignored all proof of scam - so merchant response : XXXX, XXXX you for contacting us back.
We would like to inform you that we've not received the tracking list yet from the courier company that is why we've not provided it to you. As we've shipped the bunch of orders this time that is why it is taking some time to prepare a tracking list by the courier company.
Please do not worry, your order is on its way to you.
Thank you so much for your patience and understanding.
And I re opened the claim again and gave Goldman sack all evidence of scam- they again after few weeks responded : Your Apple Card transaction dispute investigation is complete and the merchant charge ( s ) will remain on your account.
Goldman Sachs Bank USA has re-investigated your transaction dispute and found that no billing error occurred for the following reason : We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim Dispute case number : XXXX Transaction date : XXXX XXXX, XXXX Merchant name : SP My Disputed amount : {$59.00} Amount to be rebilled : {$59.00}
|
| 03/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I had bought a bike for {$720.00} from Mr. XXXX online for my husband 's birthday. I received confirmation regarding the order with the promise a tracking number will be sent soon. On XX/XX/XXXX, I reached out through email regarding the charge when the order will be shipped. I received no reply. On XX/XX/XXXX, I requested the cancellation of my order, and my order to be refunded per their lack of response. I received no response and disputed the transaction on XX/XX/XXXX with Apple Card Support.
1st dispute - I disputed the {$720.00} on my account from Mr. XXXX. I provided the information that not only did I not receive the item, but I was unable to contact the vendor through their support email, and all calls were unanswered, and my voicemails were not returned. I was told by Apple support on XX/XX/XXXX that the transaction had been resolved as " the merchant provided sufficient evidence that you made the purchase. '' 2nd dispute : After the failure of the 1st dispute, I reopened a new dispute as the issue was with not receiving the bike, not fraud on the account. The technical support representative apologized and said that the dispute was imported " wrong '' and re-entered my dispute.
On XX/XX/XXXX, I received an email from Mr. XXXX stated my order had been canceled and refunded. I checked my account, and no refund was posted to my account.
On XX/XX/XXXX, I received notification that the dispute was again ruled in the merchant 's favor as " the merchant provided sufficient evidence that you made the purchase. '' 3rd dispute : On XX/XX/XXXX, I disputed the transaction again and was told again that the complaint was entered " incorrectly. '' I was told to send my emails and the refund notice with the dispute for my evidence. I also double-checked with the rep. that the refund by the merchant was never posted ( it was not ). I disputed the transaction again, with the representative saying that her managers will personally track this dispute due to the many issues.
Today, XX/XX/XXXX, I received a notification that the " Merchant provided supporting evidence or response, '' and the credit will be added to my account. I have still not received a refund for the initial purchase or any product.
Apple card support ( Goldman Sachs ) is not resolving my disputes in good faith.
|
| 10/25/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
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Web |
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I have had a high-yield savings account with Marcus by Goldman Sachs for nearly 9 months. The bank has an offer that allows customers to earn a higher yield on its savings for a period of 3 months for each referral of a new customer. The offer allows customers to refer up to 5 new customers per calendar year. The rate bump started out at an additional 0.50 % APY, but in XXXX the bank increased the offer to an additional 1.00 % APY. When the offer was 0.50 % APY, I referred 3 new customers to the bank using my unique referral link assigned by the bank, which I emailed to the new prospective customers to open their accounts. When they opened their accounts using the unique referral link, almost immediately I received an automated email from the bank thanking me for the referral and my account reflected same. However, when the offer was increased to the additional 1.00 % APY, I referred two more new customers to the bank the same way by emailing to them my unique referral link ( reaching my maximum of 5 referrals for the calendar year ), but this time I did not receive the automated emails nor were the referrals reflected on my account. The customers I referred opened up their accounts on XX/XX/XXXX and XX/XX/XXXX, respectively. I get the impression that this has become a common problem. I don't know if this is intentional by the bank to get new account holders without honoring the offer or if it is a technical glitch on the banks end. There is just one customer service line to call to try to resolve any issues with the bank ( XXXX ). The representatives are not well trained and the supervisors are not helpful. They assign case numbers but never call you back. On one call, I spoke to a supervisor and conferenced in both of the customers I had referred to verify that they used my unique referral link to open their accounts. That supervisor put us all on hold to speak with her supervisor only to come back on the phone explaining that the information on their system was different from what we were all telling her, essentially suggesting that we were lying to her. I have now called the customer service number on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to have my issue resolved. I feel I'm being treated unfairly and the bank is not dealing honostly with me.
|
| 05/30/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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Web |
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I opened an account with Apple Savings/Goldman Sachs to take advantage of the advertised 4.15 % interest rate. I actually opened it only to move my Apple cash to this savings account. I was told via text messages that the way to verify my bank account was for me to make a deposit from my primary bank account.
I made a deposit of {$1200.00} on XX/XX/23. A week later i tried to transfer {$100.00} back to my primary checking and kept getting messages that my account was not verified.
I again reached out to Apple Savings support. They told me it was not yet verified.
I reached out today, XX/XX/23 and was told for the first time that i needed to call their 800 support number : XXXX. I called and was told i needed to have them call my bank to verify the account number. Verifying via a routing and account number was not acceptable. After sitting on hold for 10 minutes the agent came back online and required me to give my account number or social security number to the bank representative that she had called. I did so only to find out she had called the wrong bank in Pennsylvania and not in my state. They did not track the routing number to the correct bank. So i have now given my account number to people that are not even at my bank. The routing number should alert them to the correct bank.
The agent then put me back on hold and came back minutes later to tell me she had contacted my bank and they refused to verify my account. I was not allowed to speak with them directly.
I transferred my funds from my bank account on XX/XX/XXXX. They should be able to transfer the funds back to that same account. All i want is my money back and to close the account. I feel like my money is being held hostage.
I was transferred to a supervisor, XXXX. She went through a speech that she would verify the transfer process but, i have no resolution. In fact, she transferred me to another " specialist '' and i had to start the verification calls to the bank all over again. I've been on hold for 10 minutes with no feedback. I was on this call for 45 minutes only for them to AGAIN call the XXXX of Pennsylvania. When i told her we started there at the beginning of this call she hung up on me.
I still have no resolution and will have to call them again to get this verified. I just want my money back.
|
| 03/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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On XX/XX/2022, I have received an email from XXXX stating that my Apple Card payment was due that day. I visited my XXXX app and clicked on the Apple Card. There I saw I have credits on my Card Balance showing exactly + {$120.00} on the left side of the screen, and on the right side for payment, it said precisely " Nothing to Pay '' and " You have nothing to pay right now. '' with a large checkmark on the bottom-right corner. On XX/XX/2022, I got another email from the same email address saying, " As of XX/XX/2022, your account is 2 day ( s ) past due. Your past due balance of {$34.00} is due immediately. ". Hence, I started a live chat via Messages app connected with an Apple Card specialist ; I explained I had credit in my Card Balance and got the emails, so I sent the screenshots and asked why my account was past due anyway? The first agent said it was late ; they were closing the chat and chat back by the next day, so until the next day on XX/XX/2022, I started chatting again and again with many agents, one of them said to pay {$34.00}, so I paid {$34.00} via chat, and I asked why that amount and I shouldn't be paying? The agent couldn't answer my question but instead said, " Have a great rest of your day. We're here if you need help with anything else in the future. '' chat disconnected. The following agent again disconnected, then the next one transferred me to the manager and finally recognized my issue. Hence, they " escalated '' the problem, and it takes 5-10 days for someone from the " Customer Advocacy team . '' to contact me, which I strongly doubt will happen. I've had this issue before ; they didn't do anything about it. The issue was I got credits in XXXX XXXX, then Apple Card still punishes me for past due on my account with possible late fees and interest charges if I did not pay. When a live agent doesn't know an answer, they don't treat me as a customer and easily disconnect the chat as a click without any help to transfer me to someone else who might know the answer. In general, Apple chat agents have been rude, and most of the time, they did not treat me as a customer while I spent thousands of dollars for their products and services. I do not know why I paid {$34.00} and what the {$34.00} is for even all Apple Card specialists and supervisors don't know.
|
| 01/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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Since round or about XXXX of 2020 this ESTATE has attempted to settle this alleged debt from Marcus by Goldman Sachs through various lawful methods of payment ( s ) as afforded by the United States Constitution, New Jersey laws and the Uniform Commercial Code, and after having successfully completed an administrative remedy to which Marcus by Goldman Sachs has defaulted, ignored, not responded in a timely manner nor acknowledged any lawful remedies submitted to settle this debt. Despite being defaulted and estopped from all claims against this ESTATE, Marcus by Goldman Sachs have/has relentlessly reported negative information against said ESTATE, and has and continues to harm this ESTATE and is causing and has caused irreparable injuries and defamation, slander and libel ; fraudulent usage of language with it's contract ( s ) as well as the non disclosure of material facts within it's contract ( s ), which immediately nullified, cancelled and terminated any alleged valid contract for such non disclosures against said ESTATE. After having been harassed, threatened and coerced into unlawfully using Federal Reserve Notes to settle said alleged debt and also continuing to send negative reporting to the credit bureaus XXXX, XXXX and XXXX, causing injuries and harm to this ESTATE and myself as the Beneficiary thereof. I am hereby charging Marcus by Goldman Sachs {$10000.00} ( ten thousand dollars in gold or silver or it's equivalent in U.S.D. ) per day nun pro tunc for each credit reporting agency since it's first negative reporting to XXXX, XXXX and XXXX and as the Authorized Representative for the Beneficiary of this ESTATE, I now demand that any and all negative report to cease and desist immediately. Please also take judicial notice that this is another ( 3rd ) Notice of Intent to File a Claim against Marcus by Goldman Sachs and the final good faith attempt at clearing the good name of this ESTATE from the defamation, libel and injuries caused by Marcus by Goldman Sachs, as well as pursuance of Marcus by Goldman Sachs ' insurance bond with the F.D.I.C. for any and all damages for violation ( s ) mentioned in the 2 uploaded files. Marcus by Goldman Sachs is now guilty of Breach of Trust as breach of their fiduciary duties as Securities Intermediaries and trustee for the ESTATE.
|
| 10/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I was the victim of identity theft in early 2023. I flagged this very quickly with all of the credit reporting services. I signed up for intensive monitoring with XXXX in early XXXX. On XX/XX/2023, I got an email from XXXX which said that XXXX had reported a new account. After checking with XXXX, I found that it was an Apple Card. I called and was transferred to XXXX who looked up the account using my SSN. I had been added as an additional user to another card ; the address used was in XXXX and didn't match any of mine in the file. They did not review the credit report ( and thus didn't see the fraud alert ) as they don't do that when someone is added as an additional user. After consulting his supervisor, he was told to treat it as card fraud and block the account. I put in an dispute with XXXX. On XX/XX/2023, this showed up on the XXXX credit report as well, and I filed a dispute with XXXX. On XX/XX/2023, XXXX said that the account was valid. On XX/XX/2023, I called Apple Card and spoke to XXXX and explained the past situation. She confirmed that hte account she pulled up ended in XXXX ( which was what was shown on the XXXX report. She tried to open a credit bureau dispute from her side but got an error when she tried and sent me to a supervisor. XXXX checked and said that the investigation was completed last month and it would correct itself the next week when they report new data to the credit bureaus. She said that they report on the XXXX week of the month. She said that it had been escalated and I should call in XXXX if the information hadn't been removed from the report.
On XX/XX/XXXX, I checked the XXXX report and it showed as closed but with late payments. There was no comment to indicate that it was not my responsibility ( as they had stated on my initial call in XXXX ). On XX/XX/XXXX, I pulled the XXXX report and saw the information was still there. On XX/XX/XXXX, I called and spoke to XXXX and explained the situation. She sent me to a supervisor XXXX XXXX XXXX who said that he would transfer the case to the fraud department as a complaint but it would be resolved in 30 days. I explained that this was their last shot to fix it - after that, I was going to CFPB.
The credit report I pulled today ( XX/XX/XXXX ) shows that the incorrect information is still there.
|
| 10/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| 10/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I applied for an Apple card on XX/XX/XXXX, -although I had a credit score over XXXX and only using 15 % of my available credit, I was only given a {$2000.00} line of credit.
On XX/XX/XXXX, I requested a credit line increase, again my XXXX score was XXXX, my XXXX score was XXXX ( excellent ) My XXXX score XXXX. My XXXX score of XXXX was used and I again was denied a limit increase.
More importantly I am currently only using 4 % of my available credit, which is confirmed by my credit report. Only reason Goldman Sachs has given for denying me is that I had too many inquiries. 11 total over the last 2 yrs with 5 of them in XXXX.
Many of these inquiries were NOT to obtain credit. Also 3 of these inquiries from XXXX were for accounts I immediately closed. The reason banks look at inquiries as a negative is that it COULD signal someone in financial trouble and shopping around too much for credit. One look at my credit report and any high school student can see that is not the case with my credit history.
I am going to provide an explanation of each inquiry that should have NO bearing towards my credit because those accounts were either closed, were the result of opening a checking account or car shopping and by doing so request a reconsideration from Goldman Sachs for a credit line increase.
I am using this platform to have an accurate record of this process because I believe I am being discriminated against for reasons currently unknown to me.
XX/XX/XXXX, XXXX XXXX XXXX was for an auto loan- which I did not establish a line of credit. I decided to pay cash for the car.
XX/XX/XXXX- XXXX XXXX inquiry was from opening a new checking account. I had previously closed all my accounts with XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX was for a car- which I did not establish a line of credit. I decided to pay cash for the car.
XX/XX/XXXX XXXX XXXX XXXX XXXX I closed this account XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX - I refused the credit- interest rate was not what they initially promised.
SO the reality is that I have had 2 inquiries in XXXX that have established any credit and 5 inquiries total over the last 2 years.
Again I am using only 4 % of my available credit I have no mortgage or car payment and my total cost of living is only 30 % of my monthly salary.
|
| 01/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
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On XX/XX/XXXX I made a purchase with my Apple Card from a company called XXXX in the amount of {$39.00}. A few days later I noticed three separate charges in the amount of {$5100.00} each had posted to my account with a name of XXXX XXXX. I immediately started a chat with Apple to dispute these charges as I did not recognize the name XXXX and also most certainly did not make any transactions in the amount of {$5100.00}. After the chat they took the charges off, stating that it would take up to 90 days for the dispute to resolve. Then, On XX/XX/XXXX the three seperate charges for {$5100.00} were then charged back to my card. So again, I immediately started a chat with Apple to dispute these charges again. But this time, they said that the merchant sent them 'proof ' that I made these transactions. They also provided me with an address and phone number, and suggested I call the merchant myself. That sounded absurd to me to call someone who fraudulently charged my card... isn't this the investigation team 's job at Goldman Sachs?! Apple said they would email me the 'proof ' ( which they still have not done ), and would put this under investigation for another 90 days. But now, I am unable to use {$15000.00} on my credit limit because it's frozen due to this dispute. I am unable to speak with the dispute department, nor able to speak to any sort of supervisor or manager. I was told that XXXX XXXX does not speak to consumers directly, nor does the people that do the actual investigation.
After I got off the phone with Apple on XX/XX/XXXX, I did some XXXX on with the information they provided to me on the merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I found out that it was XXXX. I immediately called in, and was instructed to start a chat and provide my proof of purchase with XXXX in the amount of {$39.00} back on XX/XX/XXXX to Apple. Which I did by providing a screenshot of my purchase. To this date ( XX/XX/XXXX ) I still have not heard back from Apple, nor received the alleged proof that they received from the merchant.
Since then, I have made 5 calls to XXXX, and sent 3 email messages to multiple people in their company, and nobody has returned a call or any message. I have no idea what to do from here.
|
| 11/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
On XX/XX/XXXX I applied for an Apple Card backed by XXXX XXXX using an old XXXX that I own and use for app purposes. I was " approved '' with a credit limit of {$1500.00}, and a physical card was mailed to me, which I received and activated on XX/XX/XXXX.
The following day I attempted to use the card to make an online purchase of {$640.00} for a new phone at the XXXX XXXX online. I received a notification on my XXXX to authorize the purchase - which I did - but then the purchase was declined. I thought perhaps the online merchant ( XXXX ) was attempting to process the transaction using my old address, and corrected my info and attempted to try the purchase again, which was again declined. I contacted Apple Card support in chat, who assured me there was no issue with my card or account, and suggested I try again - which I did - and was again declined. I decided to just use my XXXX XXXX card, and finished the chat with the Apple Card representative, who informed me my account and card were fine to use.
On XX/XX/XXXX I had a voicemail from Apple card support asking me to call. I called back that same day and they were unable to tell me why they had called, and after being transferred to 3 different representatives one agent thought maybe it was to confirm my phone number - which I did - and that was that. Nobody informed me of any account issues.
The next day, on XX/XX/XXXX, I once again missed a call while working from Apple Card support asking me to call back. I called back again, and again was told they had no idea why I was being called.
Today, XX/XX/XXXX, I logged into my Apple Card account and there is a message that my account is " blocked from new spending '', and to call Apple Card support. I promptly did and the agent had no information for me, could only tell me my account was now " under review '', and had no idea when/if someone would call me back, with no resource for me to reach someone about this.
I am upset that Apple Card offered me incentives to apply for the card with balance transfers, zero interest, cash rewards ... etc, pulled my credit report which resulted in an inquiry, approved me, sent me a card, and within 10 days has blocked it without ever having made a purchase - and has no method for me resolving whatever issue it is they have.
|
| 02/05/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
I hold a savings account with GE Capital. After I discovered I could not access my account, I called the customer service number and was informed that my account had been closed on XXXX. Nobody could tell me why, but they explained that a check was " in the mail '' for my account balance, and I would be receiving correspondence that would provide some level of clarity to the situation.
GE Capital provided me with a tracking number for the supposed package being mailed from them. After submitting a tracking inquiry via XXXX, I learned that my check was actually being mailed to GE Capital 's headquarters. According to XXXX, that check arrived at their headquarters on Wed, XXXX/XXXX/2016 at XXXX.
I called GE Capital back to hopefully gain some clarity on the matter without satisfaction. Was not provided a reason for closing of the account or an estimated time frame or a reasonable expectation for when I might receive my check. I attempted to escalate the issue to a " Floor Manager '' and unfortunately obtained no new information regarding what had happened or what will happen.
The following day I receive a call from GE Capital from a representative " dedicated '' to these types of problems. I was informed that the check was in fact not coming to me. I was informed that the check was, in fact, being sent to their headquarters for a " review ''. And that after the review was complete, my check would be processed and sent to me. I was also told that I would be contacted and provided with a tracking number for the check once their " review '' was complete. Was told that I should hear from them by XX/XX/2016.
It 's now Friday XX/XX/2016, and I 've heard from nobody at GE Capital. My account was a savings account only in which I make monthly deposits ranging from {$200.00} - {$2000.00}.
So, without any further information, I contacted my attorney and a close friend of mine who is a XXXX. My friend has informed me that the only possible reason this could be happening is if GE Capital 's internal systems have generated a " Suspicious Activity Report '' on my account.
Now I would like to file a " Suspicious Activity Report '' on GE Capital. Oops. Forgot ... .I do n't have the right to do something like that. I 'm only a U.S. citizen. Not an XXXX banking institution.
|
| 11/12/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
XX/XX/2021 : I received a notification that Apple/Goldman sachs closed my apple credit card with no information or notice. When I contacted support they were unable to provide any information other than my account will be reviewed within 5-7 business days and I would hear back.
XXXX : After not receiving a response or any information I contacted support again only to be told my account was still under review and they were unable to provide any further information. I was told again It can take up to 5-7 business days..
XX/XX/2021 : Contacted support for a third time. This time I was given a phone number an advised that I would need to call a specific team to discuss my account.
I called XXXX to be told my card was closed due to expected fraud. I have never experienced fraud nor have I ever used my account in a way that violated the agreed to terms. They explained that they received a fraud report. This is when I realized that my husband had disputed my apple account on his credit report. I had shared my Apple Card with my husband to allow him to use the card on his phone as well. I was unaware that sharing access meant the card would be reported under his credit report.
During this time my husband and I were refinancing our home. Our mortgage broker indicated we would get a better rate if he removed my Apple Card from his report. My husband when to the credit agencies to have this removed. He selected the option that indicated that it was NOT fraud but that the card belonged to a family member and that he didnt want it on his report.
I explained this to Apple on 2 or 3 separate occasions. I offered to provide documents to prove who I was and that my husband did not intend to close my account.
XX/XX/2021 : I contacted and asked to speak with the fraud department. I explained the situation again was again promised a callback from a supervisor and that my issue was escalated. I was given a 24-48 hour turn around but again no one called.
I have tried repeatedly to contact Apple/Goldman Sachs to resolve this issue and reopen my account but have experienced extremely poor service. This is a newer account that is carrying a balance. Closing the account summarily will effect my credit. I would love to continue being a customer and having access to my card.
|
| 12/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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I made a purchase of almost {$2000.00} in XX/XX/2020 with my Apple credit card! As i was expecting for a minimum due amount to be posted to my account for me to pay the balance in installments it didnt happen, instead they posted the whole XXXX as the minimum due amount and i have to pay it in less than a month, I called them to request for a less minimum amount so that i will be able to pay it gradually! They refused. I asked for the account to be closed immediately to stop it from future transactions. Then i took advantage of the coronavirus payment relief to push back my due date and i paid the full balance on XXXX of XX/XX/2020! My due date was XX/XX/XXXX. They charged me for {$15.00} claiming that i made a late payment though their statement shows that it wasnt late! I called them to ask what that {$15.00} is about, they waived it when they figured out that I paid the balance before the due date, meanwhile they reported to the credit bureau on XX/XX/XXXX as closed account with balance of {$15.00}! I called Apple to dispute the report and they said we will update it next month ( XXXX ) nothing was updated! I called again, they said its getting updated, nothing happened in XXXX, then I called in XXXX and they insisted that I must pay that {$15.00}! I showed them that there was no late payment and they even waived it because it was unnecessary charges since I paid before the due date! They insisted that it was an interest charges because of the late payment and the computer generates that information! Anyway the lady pushed me so hard to convince me that i made a late payment though she clearly saw on the statement it wasnt late and it was waived! So my concern is for that balance to be updated and reported to my credit bureau as paid and closed account with XXXX balance but that hasnt been happening and its been almost 4 months! I wouldve kept quiet if the account wouldve been open but I closed it because of that bad experience and theres no way for closed accounts to be updated monthly! So they will just forget about my account since its closed and the balance will stay on it forever! This is what my complaint is all about. Thank you very much and will be waiting for your response, Im also ready to provide with any information that you request.
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| 11/22/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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I started using a Goldman Sachs Savings Bank account through my Apple Pay account. I have linked XXXX different accounts that I had money in to move money. Doing this I had to provide the information and verify the accounts through Micro Deposits. Recently I have tired to add a beneficiary on my Goldman Sachs bank account and I was DENIED doing so becuase I did not have my mother and fathers SSN. Because of this I made the decision to move my money from them. I have set up a new High yield Savings account with XXXX. Went through the same process to link my bank account with them and then initiated the bank transfer. Goldman Sachs has denied the transfer and has said I need to verify the account. I told them I have already done this. They said in their savings agreement it states that we need to call the bank on 3 way so they can confirm this is my account. I had spoke to 4 or 5 different people and no one can show me any agreement that shows this. They have directed me to the following part in the agreement.
" To link an external account, you must provide proof that the external account : ( i ) is a deposit account held at a bank located in the U.S. or U.S. Territories ; ( ii ) is an account in which you have full right and authority to the funds ; ( iii ) is not a trust account ; and ( iv ) is owned by you. You may not link a business account. We may restrict linking to an external account at specific financial institutions. You authorize us, our agents, and service providers to verify ownership of the external account. '' I have provided them all the information need to cover all 4 areas. After being argued with for hours. I said that this is not right and I will be reporting them. I said I will do the call and told them the only 4 things you can ask are what is in the terms an agreements. The gentleman put me on hold for about 5 minutes and came back and said that he will need to get more information than those 4 items listed above. I told him according to the terms and agreements they do not and I will not authorize my bank to give them more info. he said then he will not be able to authorize and/or initiate the transfer.
Goldman Sachs is Denying me to move my money to the where I need it to go and this needs to me handled immediately
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| 11/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
Servicemember |
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I have been forced to apply for t
he Apple Card ( Goldman Sachs ) eight different times due to Goldman Sachs inability to verify my identify even after I have provided official government identification and personal information only I could and would know. When applying for the Apple Card, Goldman Sachs does not deny or approve the application. Goldman Sachs simply informs me that they are unable to verify my identity and requests me to fill out another application immediately for approval. Customer service agents at Goldman Sachs are not given the tools to identify issues related to system errors. I have reached out to Goldman Sachs on numerous occasions and have been given extremely poor customer service. Goldman Sachs also refuses to comply with federal law and provide an approval/denial/fault letter as per federal law.
The Fair Credit Reporting Act disclosure as required by sections 615 ( a ) and ( b ) of that act. Forms C -- 2 through C -- 5 contain only the section 615 ( a ) disclosure ( that a creditor obtained information from a consumer reporting agency that was considered in the credit decision ). A creditor must provide the section 615 ( a ) disclosure when adverse action is taken against a consumer based on information from a consumer reporting agency. A creditor must provide the section 615 ( b ) disclosure when adverse action is taken based on information from an outside source other than a consumer reporting agency. In addition, a creditor must provide the section 615 ( b ) disclosure if the creditor obtained information from an affiliate other than information in a consumer report or other than information concerning the affiliate 's own transactions or experiences with the
consumer. Creditors may comply with the disclosure requirements for adverse action based on information in a consumer report obtained from an affiliate by providing either the section 615 ( a ) or section 615 ( b ) disclosure. Optional language in Forms C -- 1 through C -- 5 may be used to direct the consumer to the entity that provided the credit score for any questions about the credit score, along with the entity 's contact information. Creditors may use or not use this additional language without losing the safe harbor, since the language is
optional.
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| 09/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Getting a credit card
- Problem getting a working replacement card
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Web |
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On XX/XX/2023 I had my wallet stolen which contained my Apple XXXX XXXX. I called Apple, and was transferred to Goldman Sachs who told me that the card was already cancelled, and that I should request a replacement card on my XXXX. As I was traveling at the time, I did not have my XXXX with me, so I waited until I got home to request a replacement.
On XX/XX/XXXX, I attempted to order a new card via the wallet app on my XXXX, but was unable to do so because the button to request a replacement did not exist. After contacting Apple support, I was told that the case was escalated and that I would hear back in XXXX days.
On XX/XX/XXXX, I received an email from Apple stating that " This notice is to confirm that we have attempted to contact you to discuss a resolution on your Apple Card inquiry, but we were unable to reach you. ". I was not contacted, so I reached back out to support to check on the status of my request. They then told me that " We have documented your physical card inquiry, and our team will order you a new XXXX Apple Card. '' and that I would receive the card in XXXX days.
On XX/XX/XXXX, after hearing nothing and having not receiving the card yet, I contacted support again to check on the status. I was then told that " have created an escalation case to get a Physical Card mailed out to you. Please be on the lookout for a confirmation email when the card has been officially shipped. '' On XX/XX/XXXX, I received another email stating that " This notice is to confirm that we have attempted to contact you to discuss a resolution on your Apple Card inquiry, but we were unable to reach you. ". I was not contacted, so I reached back out to support, who then scheduled a call back for XXXX on XX/XX/XXXX.
On XX/XX/XXXX, after not receiving a call back from Goldman Sachs, I called Apple, who then transferred me 4 times, with the final person being a supervisor in the Goldman Sachs fraud department. They then informed me that there were XXXX existing requests for replacement cards, and that the only thing they could do was request another card be issued.
At this point, I am not sure what to do in order to get a new card issued, and I have no confidence that Goldman Sachs is actually processing my requests for a new card.
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| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX, XXXX, XXXX, And XXXX all participated in shady acts in regard to my consumer report.
They all reported experiences and transactions which is not allowed.
According to : the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report.
XXXX XXXX, XXXX, and XXXX all XXXX a late payment as well as my usage. Well if late payments are a form of transactions, and usage is a form of experience these items should not be on my consumer report at all!!
XXXX is reporting late payments ( APPLE/GS BANK ) as well as credit usage utilization which is a form of experience.
15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates!!!
i never gave any of these companies written consent/permission to use my PRIVATE DATA to report any payments or utilization to benefit them in their business dealings.
Let alone any details alone this late payment from XXXX.
Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
So my right to privacy has been completely violated!!
It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system.
Nothing about this late payment is fair or accurate according to the LAW and my privacy rights have been horribly violated, i am disheartened and i have been affected very negatively by this unfair reporting.
XXXX, APPLE/GS BANK, XXXX, AND XXXX ALL VIOLATED MY RIGHTS BY ALLOWING REPORTING OF THIS LATE PAYMENT TO MY CONSUMER REPORT!!!
i need this late payment removed within the next 15 days or further actions will be taken.
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| 03/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I made a payment on XX/XX/XXXX to Goldman Sachs XXXX Apple Card for the amount of $ XXXX.
The amount was deducted from my account via ACH debit immediately.
On XX/XX/XXXX I needed to place a charge on the card and to my supposed it was declined. After calling the bank they told me the payment that large they are going to hold it for 14 days till after XX/XX/XXXX.
I told the supervisor I needed either the balance or the money back so I can apply the funds to the needed transaction. The supervisor said the fastest way is to just cancel the payment and I will get the money back in my account in 1-2 days. 6 days gone by I still have not received the refund.
I startede inquiring about my payment on XX/XX/XXXX and I was given the run around either the representative doesn't know or has no access. I ask for the case to be escalated and through another supervise still only offer " we dont know '' " we have no idea '' " we can't reach any one else '' " we have no way of transfer to the department ''.
On XX/XX/XXXX? XXXX a executive representative called me in the morning and said he will find out and fix the issue with their processing department. He also said he will call me back by the end of the day. of course he DID NOT call me.
3 days later on XXXX. I placed a call in the XXXX and as usual the representative said " I dont have any additional info '' and they will submit the request for the executive representative to reach out to me. It is at the end of the business day. I place another call and spoke to two representatives and I am still getting the same " we do not know '' " we can't tell '' " we have no idea '' " We can't guaranteed any one would get back to you for up to 10 business days ''.
This is how this bank treats you after loosing $ XXXX of mine which I needed to pay a very important payment. On my last call of the day I demanded answer and I still dont have my money back in my account, This is literally the most appalling banking experience I have ever endure my entire life and I have many many accounts. They have ZERO urgency and knowledge while trying to either blame others or said they dont know.
They have also spoke to my bank on conference to confirm the money left my account and was never returned.
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| 10/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
Servicemember |
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I signed up for the Apple Card on XX/XX/XXXX through this referral link : ( it is still active ) https : //apply.applecard.apple/? cid=apy-616-10000002 & utm_content=rafemail The offer says that if I make a purchase in 30 days, I will receive {$75.00} dollars cash back. I made a few purchases, and did not receive my Daily Cash back. I called in to Goldman/Apple on XX/XX/XXXX to ask about the promotion and when I would receive it. The agent told me he would submit a promo correction dispute, and that I should see the promo soon.
I received an email the next day saying my dispute had been investigated, but I was not eligible for the " promotion of {$100.00} dollars for referring a friend '' ( that wasn't even the correct promotion ) because I didn't sign up in the promo period for the offer. At the end of the message, it said to reach out to a specialist if I had questions. This same day, I received an email letting me know I had been declined for eligibility in the SCRA program. I had no idea what this way, and found out in a later call an agent had signed me up for this without telling me.
I called back in the next day, XX/XX/XXXX, and asked to escalate the issue to someone that could help. I was transferred to a supervisor, who told me they could resubmit the dispute and enter a request for call back, but that's all. I let her know that there is no where on the link page that states anything about being open for certain dates. She would not allow me to send her the promo link to confirm it was legitimate. I was told a ticket would be opened and that I would be called back by a third level person within 10 days.
The next day, I received an email stating my case had once again been deemed ineligible for the promo due to the dates ( that are not stated on the ad )... I called back in, and was met with the same response. No one could help and that I would be contacted by someone in 10 days that could.
I waited over 10 days, and did not hear back from anyone. I called in today, XX/XX/XXXX to ask that status of the open call back tickets. The agent on the phone told me there was nothing on my account noting a call back, that no one would call me back, and that there was nothing I could do. I am very frustrated at this point.
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| 10/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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Web |
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I am writing to file a formal complaint against Apple Card, issued by Goldman Sachs Bank USA, regarding serious violations of the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). I believe these violations have caused significant harm, including retaliation and financial damages.
On XX/XX/, I was approved for an Apple Card credit account with a credit limit of {$10000.00}. However, Apple Card failed to provide me with the required GLBA compliance disclosure regarding my right to Opt Out of third-party sharing of my personal information, as mandated by 15 USC 6802 of the GLBA. Despite my subsequent exercise of this right by mailing a notice to Apple Card, explicitly denying consent to share my personal information with third parties, Apple Card reported my account information to the top three Credit Reporting Agencies ( CRA ) without adhering to my Opt Out request.
Recognizing this as an impermissible disclosure of my personal information and identity theft, I promptly disputed these items with the CRAs and provided them with copies of my Affidavit and the Federal Trade Commission ( FTC ) Identity Theft Report. As a result of my dispute, the account and related inquiry were immediately removed from my credit reports.
In response to my exercise of privacy rights under the GLBA and FCRA, Apple Card, issued by Goldman Sachs, engaged in discriminatory actions against me, constituting a violation of 15 USC 1691 ( a ) ( 3 ). Apple Card retaliated by closing my Apple Card account, citing " There was a failure to comply with the terms of the Customer Agreement. '' I wish to emphasize that the Customer Agreement 's section on " Credit Information & Credit Reporting '' does not provide a compliant GLBA and FCRA disclosure, which is required by federal law. This disclosure should clearly explain consumers ' rights under the GLBA, specifically the right to Opt Out of third-party sharing, and the consequences of non-compliance by the financial institution.
Furthermore, after closing my account, Apple Card re-furnished the account information back to my credit report as " verified. '' This action is unwarranted and in direct violation of the FCRA, given that my dispute led to the removal of this information.
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| 06/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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On XX/XX/XXXX, I called Marcus customer service to ask to change my due date. I was told I should escalate my concern to a supervisor. I did so and the supervisor said my request would be put in manually and I would receive a call back as they were still transitioning and were having multiple issues. For almost two weeks, I did not receive a call back. I call again on XX/XX/XXXX. The agent could not find this request but found a complaint. I asked to be transferred to a supervisor and my request was not initially honored. Thus, I was forced to repeat myself multiple times for a supervisor- which was unfairly tough on me as I have a XXXX XXXX that was illegally aggravated here by Marcus. When I was transferred to a supervisor, the supervisor proceeded to defend the first agents blatant misconduct by saying that the answer was clear. I said it was not clear when on XX/XX/XXXX I was asked to escalate this issue and I was told I was going to get a call back. She told me that the complaint was closed stating I asked this question multiple times and got the same answer, which was clearly a false and fraudulent entry because I was asked to escalate the call on XX/XX/XXXX and I was told Id receive a call back and I was sympathetic at the time to the operational issues. However, because I was being blatantly XXXX now by this supervisor, I told her I felt I was being XXXX discriminated against by being so openly lied to and disrespected by having my integrity questioned. A Marcus employee intentionally lied on a written document saying I had gotten the same answer multiple times, when I had in fact not gotten the same answer. Then, disgustingly and despicably, I was literally ordered by this supervisor to stop making this allegation as if I were some type of animal who could be ordered like that. She said this after I told her I was going to complain to the CFPB. She seemed to be intending to criminally obstruct my complaint and subsequent federal regulatory investigation by this illegal and outrageous order. Perhaps, she was not intending to intentionally be XXXX with her offensive order - but rather was just going rogue because she was being lazy and did not want to research the truth into what was actually said to me on XX/XX/XXXX.
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| 04/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
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XXXX XXXX recently transitioned from XXXX XXXX to Goldman Sachs. I have never received a card or a new account number. Prior to them taking over I paid my monthly statement in full to XXXX XXXX, account ending in XXXX. The last payment due XX/XX/XXXX for XXXX was paid in full to XXXX XXXX before the due date via electronic payment. Goldman Sachs took over XXXX XXXX in XXXX and I got a bill dated XX/XX/XXXX that I am behind in a payment to them for XXXX. There customer service staff said it was due XX/XX/XXXX??? I explained it is dated XX/XX/XXXX and XXXX payment was in full to XXXX XXXX. They began sending emails and saying I am behind in payment to an account ending in XXXX that " doesn't yet exist '' under them. I don't have an account ending in XXXX and yet their correspondence indicates this is an account they are billing me under. They are saying I am late and the account has been frozen. Yet, when I speak to them they say I am able to make purchases with my XXXX XXXX number ending in XXXX and to pay the payments to them with the old XXXX XXXX number?? Their Customer Service staff and two Managers seem to have no idea about the new account number being sent in my correspondence, for an account they have yet to send me a card on, and that doesn't exist and that has been " frozen ''. Despite more than 4 phone calls to them, I continue to receive threatening emails from them saying I need to pay XXXX and additional late fees they have tacked on to my most recent purchase XX/XX/2022 for XXXX. I received a letter from them dated XX/XX/2022 saying there is no error and the initial dispute decision is that I owe the money {$6.00}. The last call to CS Rep indicated the first dispute was declined ( which I received in writing as noted above ) and I owe the money. I asked for and spoke with yet another manager, and he was again sending it on to Dispute. Every person I speak with thinks it is strange and I shouldn't owe any fees, but no one seems to be resolving this issue. I am growing weary of speaking with them, with no resolution and getting threatening emails and another statement with late charges and additional fees added to the amount indicated above. Also, the statements are arriving with account number XXXX not XXXX???
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| 08/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I write to you in my capacity as a steadfast disputant of the charges levied against my account in relation to purchases made from XXXX 's. My contention primarily revolves around XXXX distinct charges, namely {$970.00} ( Reference XXXX ), {$1800.00} ( Reference XXXX ), and {$1200.00} ( Reference XXXX ). The items associated with these charges were returned in a singular package, as per the instructions provided by XXXX 's, who furnished me with a single return label.
The purported evidence provided by XXXX 's is, upon closer inspection, insufficient to substantiate their allegations. It merely confirms the receipt of goods, a fact I have never disputed. My contestation lies in the subsequent return of these goods through XXXX, utilizing XXXX 's provided shipping label.
The allegations of being an " abuser '' are not only grossly inaccurate but also wholly unsupported by any tangible evidence or precedent. A cursory review of XXXX 's internal records would substantiate my claim that this was my maiden online purchase through their platform. The absence of any historical orders or returns under my name and billing address should further corroborate my assertions.
The narrative of events could not be simpler : I received items that were unsuitable for myself and my partner, requested a return, and dutifully sent the items back using the provided XXXX shipping label. Regrettably, the package was reported as lost in transit. Despite multiple assurances of a forthcoming refund from XXXX 's representatives, the repayment remains outstanding, a source of great frustration.
The role of Apple Card in this matter has, unfortunately, left much to be desired. The institution 's apparent endorsement of XXXX 's unsupported assertions has been disappointing.
In essence, I find myself in an undesirable situation where I am without the items I initially purchased, saddled with the associated debt, and deprived of a much-needed refund. It is my sincere hope that this explanation provides clarity and prompts a re-evaluation of my case.
In light of these experiences, I have resolved to discontinue any future transactions with XXXX 's. I appreciate your attention to this matter and look forward to your assistance in resolving this.
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| 03/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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Web |
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I was locked out of my Apple phone and Apple account because I forgot my Apple ID password after the IOA 16.1.1 " upgrade '' was forced downloaded on my phone. I save my passwords on my phone, which previously allowed for access through my unique thumb print. The recovery process allows for confirming my Apple credit card number ( Apple card through Goldman Sachs ), which I attempted to do by calling Goldman customer service to obtain. The credit card has no account numbers or even a phone number displayed on the card for instructions for who to call when you have any type of problem. I found the phone number by searching online.
I spoke to a Goldman representative who informed me they " don't have access to my full credit card number, only the last 4 digits. Having been " locked out '' of my Apple account, I can't access my Apple credit card information which is in my digital wallet. Fortunately, I don't owe anything on my account, otherwise I wouldn't be able to make a payment because Apple won't recover my Apple account until XX/XX/2023. They transferred me to an Apple representative, whom also couldn't provide my full account number.
I'm literally locked out of my profile, which includes access to both personal and business email accounts, all contacts, all financial records and accounts that are " digital '' in nature, as well as any preferred media locations.
My concern is with Goldman Sachs inability to provide me with information that would have allowed me to recover my account information at Apple, but also Apple Corp for not being able to assist me recover " my data access '', which they should be able to do through a simple verification process. I get the security concern, but I could get them to a point where they would know I am who I represent to be. I had to go and purchase a new cell phone after having been " locked out '' of my existing phone, at which time a representative at XXXX XXXX XXXX could have confirmed my physical identity with Apple, should that have been offered.
This is an unthinkable situation that is being driven by Apple and their partner Goldman Sachs. How can someone become " locked out '' from their digital profile, restricting or eliminating access to digital financial products.
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| 02/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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I have made nearly {$7000.00} in voluntary payments to the Apple Card with an {$1800.00} credit limit in the past month alone. I have never missed a payment due.
Two of my payments failed, which I immediately rectified. The money was removed from my bank account, however, my available credit is entirely on hold, despite the payments being voluntary. I have been repeatedly told that they need additional time to clear the payments, due to the failed transaction, however initially they told me it was because I switched payment accounts.
I have been repeatedly misled by Goldman Sachs in this endeavor.
Also, they have repeatedly suggested that I should have used Apple Cash instead, as it can be verified faster.
I am of the belief that I am being manipulated into utilizing their preferred service in the interest of their partnership with Apple, over my bank account. I have been repeatedly told that my payments can not be cleared, despite them having cleared multiple payments for me instantly in the past.
They reference repeatedly that this is due to their System placing my payments on hold. Apparently they have no control over this System which is the vague arbiter of my money being cleared. Suddenly there is nothing they can do.
I have been declined since this event in many embarrassing situations, despite my balance showing as zero. I tried to buy my son ice cream, it was declined, I had multiple services connected to this card, those have all been declined, and continue to be. My XXXX account for charging my car was declined, I was stranded in a snowstorm at the charging station and had to change my payment account from the Apple Card which took hours, as the roads got worse and worse.
They still have my money hostage. I have been told repeatedly to keep making my payments on time by the Apple Card team at Goldman Sachs. When I have never missed a payment.
They said they have escalated my case to Senior Management which I have yet to hear from. I feel quite helpless as a consumer in this situation. My money is gone from my account, and my balance shows as zero, but also my available credit is zero. They have a different explanation every time for why this is happening. I am confused and feel quite misled.
|
| 04/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I got an email in XXXX indicating a change on my credit report. When I logged into XXXX I had a {$10.00} collections charge from Apple Pay. I opened my Apple Pay account and it displayed a {$0.00} balance. I called apple, I was transferred more than 10 times, the representatives could not find the {$10.00} charge and confirmed I had a {$0.00} balance. I also place all credit on auto pay for the minimum payment to prevent this very situation from occurring. After escalating to a supervisor and remaining on hold for quite some time, the charge was found, started by someone XX/XX/2020. I filed for a fraudulent charge, this was determined to be fraudulent and removed however, I was in the middle of refinancing my home ( quite stressful to have happen closed at the beginning of XXXX ) this charge dropped my credit score 100 points. Not only this but when other credit companys that I had a {$0.00} balance for years with exceptional payment history, closed my accounts which dropped my score more, but Apple has not removed the charge and when I disputed this with XXXX they said apple insisted the charge is legitimate. I have a screen shot of an email showing it was resolved in my favor and fraudulent so I reopened this dispute with XXXX and the charge is still not removed. Not only this but I recently paid off a credit card of {$6600.00} with XXXX but XXXX dropped my credit score not acknowledging the payment to zero ( dropped another 9 points ). My complaint is with apple who is incorrectly reporting this {$10.00} fraudulent charge that they couldnt even find, I already had an Apple Pay account, how could another even exist?!?! But XXXX, is incorrectly monitoring my credit, despite paying off many of my bills, not updating a fraudulent charge and this {$10.00} fraudulent charge is still causing negative consequences. I have zero other late payments and zero collections aside from this apple charge, they didnt send me a bill ( because my Apple Pay had a {$0.00} balance ) and they are not being honest despite proof this was determined to be fraudulent. I work so hard to maintain good credit, my position at XXXX XXXX is contingent on maintaining a good financial house and this is unacceptable. Please help. Thank you.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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On XX/XX/2021, I contacted Goldman Sach Bank via the internet about a debt consolidation loan for {$20000.00}. However, on the loan application step 1 states that this application will not effect your credit report. So I began filling out step 1 and made it to step 2 and gave them my birth date and I believe my last 4 digits of my social security number and then I tapped accept to view the terms of the loan not to actually get the loan. I never finished the loan application process because of the false advertisement on step 1 saying : " This will not effect your credit ''. Then within seconds of me giving Goldman Sach Bank loan application my birth date and the last 4 digits of my social security number, I received a notification from XXXX XXXX that a hard inquiry was on my XXXX credit report from Goldman Sach Bank. I immediately called Goldman Sach Bank and explained to them what just happened and that it was not right for them to pull my credit report because I never finished the actual loan application process and that step 1 specifically states that this will not affect my credit. Goldman Sach Bank said that it was not anything they could do about it because I accepted the loan. I explained to Goldman Sach Bank what step 1 said and that I never even finished the loan application process steps and that I only tapped accept because I thought it was only to view the terms not to actually accept the loan and the reason I don't want the loan again is because of the false advertisement on step 1 and them pulling my credit report before I even finished all the steps. I called XXXX credit report company and explained to them what took place with Goldman Sach Bank and they told me to call Goldman Sach Bank back and ask them for a letter of deletion so I could get the hard inquiry off of my XXXX credit report ( I have a XXXX file number for this incident ). However, I did call Goldman Sach Bank back but they refused to provide me with the letter of deletion. So I called XXXX back and explained to them what Goldman Sach Bank said and they told me to contact CFPB about obtaining a FTC report and that the FTC report would be a replacement document since Goldman Sach Bank would not write me a deletion letter document.
|
| 05/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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|
Please read thoroughly for complaint. Response below first paragraph.
Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/2020. The Bank appreciates the opportunity to address the issues raised by XXXX XXXX XXXX the Customer ). The Customers complaint references a dispute related to a transaction with XXXX XXXX on XX/XX/2020 in the amount of {$2800.00}. The merchant provided evidence stating the Customer exchanged the item, received a partial credit in the amount of {$42.00} and received a gift card for the remaining credit amount of {$1400.00}. According to the merchants terms and conditions, the Customer would receive a refund credited via the original payment method if the merchandise had been returned within 14 days of purchase ; because the exchange was initiated after that time period, the Customer instead received and confirmed receipt of gift card for the difference. As part of the investigation, the Bank unsuccessfully attempted a three way call between the merchant and the Customer, but the Customer refused to speak with the merchant on a three-way call. Based on the information reviewed during the investigation, the Bank does not have any knowledge of facts confirming a billing error, and the Bank resolved the dispute in favor of the merchant on XX/XX/2020. After reinvestigation, the dispute decision will remain the same. Based on the above details, the Bank kindly requests this complaint be closed.
-- -- Goldman Sachs has failed to properly investigate this dispute even 1 year after the date of purchase. I ordered the item online on XX/XX/XXXX, received it shipped to me on XX/XX/2020, and only returned it on XXXX XXXX, when I was still within 14 days after receipt, confirmed by postal office, and returning it. Goldman Sachs in its investigation did not even verify that this is actually an online transaction! XXXX XXXX promised me a refund back to the credit card and I am still waiting for it a year after because Goldman Sachs can not do a proper investigation and should therefore fully compensate me for the amount claimed plus any penalties for being a year late in responding.
|
| 12/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
The matter is twofold. Goldman Sachs has 1 ) been sending me unwanted and unnecessary emails for six months. They have done this even after having 2 ) cancelled my credit-card ( Apple Card ) account, which cancellation was unwanted by me.
These emails are now tantamount to spam ( https : //www.ftc.gov/tips-advice/business-center/guidance/can-spam-act-compliance-guide-business ) : Goldman has no legitimate business purpose in sending them, as they are statement notices for an account that has been closed for over a year and has had a XXXX balance since XX/XX/XXXX. The most recent of these emails arrived on XXXX XX/XX/XXXX. How does this qualify as transactional or relationship content?
I have contacted Goldman many times to request that this stop. I have made these requests in conversation with Goldman service agents and via postal letter. Service agents have assured me that the matter will be dealt with, but it appears that no action has been taken.
But why did Goldman cancel my account in the first place? The official closure notification stated that it was due to my failure to comply with the terms of the Card Member Agreement or Rewards Agreement. I went over the Card Member Agreement with a fine-toothed comb and could not spot my infraction.
Enquiring further, I discovered that Goldman apparently believed that I represented potential first-party fraud ( a Goldman service agent revealed this to me during a phone conversation, by incautiously reading aloud the notes on my account ). This is obviously inaccurate. And let the following be noted : I missed no payments ; the balance on my account never went above 30 per cent of the credit line ; the balance was fully paid within months of the account closure and amidst a global pandemic.
I believe that Goldman committed an error in closing my account. I must have been among the first users of Goldmans credit-card service, as my account was opened shortly after they first launched Apple Card in XX/XX/XXXX. Therefore I believe that this situation has arisen due to Goldmans relative inexperience in the consumer credit market. They are compounding their initial error by continuing to send me spam-like messages and ignoring my requests that these cease.
|
| 07/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
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My phone was stolen on XX/XX/XXXX. XX/XX/XXXX my XXXX account was hacked. I started receiving alerts from XXXX, XXXX XXXX and XXXX all of which I closed down. On Friday XX/XX/XXXX an apple credit card was delivered to my XXXX XXXX address linked to my apple account. I called Goldman Sachs the card issuer immediately. They stated an apple credit card had been opened with a limit of {$8000.00} and already maxed out. The card started being used immediately after opening by digital card- first Attempt XX/XX/27 {$5000.00} at XXXX XXXX declined. 2nd attempt of {$5000.00} successful. XXXX XXXX {$520.00} successful, XXXX {$500.00} successful. XXXX XXXXXXXX XXXX, Im assuming gas, {$75.00} successful ; XXXX {$53.00} Declined, second attempt successful ; XXXX XXXX {$9.00} successful, followed by 3 declined {$25.00}, XXXX XXXX XXXX.00} successful; XXXX XXXX XXXX {$49.00}. They attempted to make a payment of {$5000.00} from my checking and routing account however it was denied because of insufficient funds. I learned of them attempting this by contacting my bank so I shut down this account and opened a new checking. XXXXXXXX XXXX- {$100.00} XXXX XXXX XXXX XXXX {$290.00} successful ; XXXX XXXX XXXX {$1300.00} successful ; attempted payment from my checking account {$1000.00} declined, XXXX {$76.00} declined, attempted payment from checking of {$5000.00} combined. I froze the card on XX/XX/XXXX when The physical card was delivered making me aware of the activity. When I was able to access my XXXX account on XXXX I was able to see all transactions with physical locations and amounts. I also saw multiple screenshots of my personal information from various different places on my XXXX pictures, files, links from emails. Pictures included copies of Drivers license of my mom and self, tax returns for my parents and myself including social security numbers, temporary car insurance card, moms previous debit card numbers, my XXXX login information, my Texas voting card application, my current and previous lease application, a copy of my social security card, and XXXX XXXXoan tax forms. The cards balance is {$8000.00}. The opening and application of this card and all charges placed are the result of fraud and not done by myself.
|
| 07/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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|
On XX/XX/XXXX I charged a transaction on my Apple Card. But due to unforeseen circumstances the company, XXXX, made a mistake on my ticket for an event but refused to issue a refund even though on their website it's 100 % money back guaranteed before the event. However, things got complicated due to the fact that it was a third party ticketholder who provided the ticket. It ended up being the wrong row than the one I originally purchased which neither did I end up confirming nor did I end up going to the event. Tried to resolve it with XXXX over the phone three times, but they just blew me off.
That was when I turned to my credit card company in hopes for them to represent me and get my money back. On XX/XX/XXXX I was issued a temporary provisional credit of {$110.00} from Goldman Sachs Apple Card.
On XX/XX/XXXX they notified me that they were unable to resolve it with the company, XXXX, and that it was ruled in the favor of the merchant.
On the same afternoon I had the opportunity to chat with an specialist at Apple/Goldman Sachs and they ensured me that I had a second opportunity for a crack at it in getting my dispute resolved in my favor. They even reached out for any additional information that I can provide to help them assist in their progress in the dispute.
After a month or so I checked back in with them and spoke with a supervisor providing all the info/evidence both verbally and via e-mail that I had. They reassured me saying that if I don't hear back from them by XX/XX/XXXX that it most likely was ruled in my favor.
But on XX/XX/XXXX I received an email AGAIN saying that with further investigation it resulted in the favor of the merchant. I was then charged the {$110.00}. I was shocked and in utter disbelief that I had to pay for an event that I never even attended. I don't know whether Apple/Goldman Sachs is new in this department or what. But it is simply unacceptable which led me to write this review today because I have nowhere else to expose this unworthiness in a credit card company. I originally thought getting an Apple Card was a good idea back in XXXX but I'd suggest you or any future consumers to stay far, far away from it as they can't even get a simple resolution resolved.
|
| 08/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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For many years I was a responsible XXXX XXXX XXXX XXXX member. I made payments on time and went so far as to put my card on a HOLD until I had the balance paid in full. I paid the balance in full on XX/XX/22 in the amount of {$150.00} with check # XXXX. That month XXXX XXXX was bought out by Marcus : by Goldman Sachs card. I received a bill for {$9.00} for XX/XX/22 and {$9.00} for XX/XX/22 for charges from a company that was able to bill the Marcus : by Goldman Sachs card. That company was XXXX. I called XXXX and learned that my account with them was canceled and that the bills to the Marcus card were made in error. I called and asked Marcus : by Goldman Sachs to open a case investigation into my account. I spoke to XXXX on XX/XX/22, then XXXX on XX/XX/22, and then XXXX also on XX/XX/22, from the Specialist department, XXXX, who stated that a credit would be applied in the next 2 billing cycles and that Marcus would call if they needed further information. I received letters with Dispute ID # XXXX and # XXXX informing me that the card disputes for {$9.00} and {$9.00} were credited to my account. However, the interest charges and late fees were NOT credited. I asked for disputes to be placed on the late fees and interest charges. Only the interest charge of {$0.00} was credited back. The {$40.00} late fees were NOT credited back. I called and spoke to XXXX on XX/XX/22 and then spoke to XXXX and XXXX on XX/XX/22. I was told by XXXX that the late fees were not reversed because the department that deals with late fees found that no error occurred. The Specialist XXXX said that she would put in another dispute for the {$40.00} late fees, however, she did not feel that they would get refunded because they had deemed it as no error occurring. XXXX did admit that the HOLD that I placed on the account when it was owned by XXXX XXXX was lifted during the conversion to Marcus : Goldman Sachs. I never authorized the hold to be lifted. I should not have a balance at all with Marcus : Goldman Sachs. I never made charges on the account. I was told by XXXX that I would need to make payments on the account anyway. I was told by XXXX that this was not an escalated complaint and there was no one else I could speak to.
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XXXX of 2020, my husband lost his job. I called Goldman Sachs in XXXX, to let them know I could not make the payment, and the situation. First point of failure was their operator not offering me protection under CARES ACT for XXXX, since that when the hardship occurred. Instead she let me know I was approved and to call next month if needed. She also failed to let me know, that XXXX payment was still due during this call due to NSF ( again knowing my situation I explained, she failed twice ). I called in XXXX again to ask for deferment of XXXX payment- again they failed to let me know XXXX was due, and was approved for XXXX deferment. In XXXX I noticed I was reported 30 days late for XXXX payment, I was confused as I had called them directly to ask for help under CARE ACT, I called twice in XXXX to specifically asked for BOTH my calls to be reviewed as I let them know under CRA they are required to let me know I was past due for March- and I was not notified. Also, if I miss a payment y 1 day, I start getting calls and e-mails, I didn't receive any and I have phone records to prove this. Both time they " investigated '' they failed to let me know outcome of call review, and let me know they reported me correctly. 2 issues here, I was misled to think I was on time and approved on payment under cares ACT when in fact XXXX was not approved hence the calls and emails should been sent to me for XXXX. Also, since I explained my situation occurred in XXXX, why was protection not offered to me for XXXX as well? I have immaculate payment history with them, and given the current environment we are in, they have not impacted my credit and ability to refinance my home for a lower rate to help pay my mortgage. This has placed me in immense financial hardship, and they failed to properly guide me, and notify me and further provide me with the opportunity to make XXXX payment. Im requesting frothy review of their process as it pertain to those asking for protection under CARES ACT and not mislead other consumers into thinking they are up to date on payment and/or approved for deferent when they are not, and it happened to me. I also formally request for this 30 day late to be removed as it was done so unfairly.
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
On XXXX XX/XX/XXXX I received several credit alerts that I was 31 days past due on a {$2.00} XXXX charge for storage on my XXXX XXXX which negatively impacted my credit score causing it to go from XXXX to XXXX overnight. I take my credit extremely seriously and had never had a late payment in over 20 years of credit history. I was devastated when I received the notifications and called Apple support and GS Bank USA who owns the rights to the card. I spoke with several representatives at GS Bank who claim they escalated my dispute.. They claimed to have sent notifications to an XXXX email account that was set up when I purchased the phone. I knew nothing about this email acct I would receive monthly notices of a {$2.00} charge and would simply pay it through my XXXX credit card which I have a {$6500.00} limit. I am a XXXX XXXX XXXX man and admittedly not always knowledgeable on the latest wireless technology.. That being said had I known I was behind on a payment of only {$2.00} I surely would have paid it. The effects of that missed payment has spiraled my credit rating XXXX points! This is inexcusable on the part of GS Bank USA. I am requesting this be taken off my credit report asap as I have also filed a dispute with XXXX case # XXXX. When I called XXXX on XX/XX/XXXX I spoke to two specialist that had me on hold at different times during the conversation for well over 90 minutes only to tell me at the end I was sent notifications to my wallet. My wallet! I use my phone to make and receive calls check my email at XXXX XXXX not familiar with a wallet or XXXX etc when explained to me about the XXXX I found I had over 200 emails sent to this account. Which I never knew anything about! Im reaching out to your organization to make sure that this doesnt happen to anyone else especially those of us that are getting up in age and arent familiar with certain apps wallets XXXX etc My request is having this {$2.00} missed payment removed from my credit report as Ive stated earlier I had a perfect rating on my payment history. If theres anything your organization can do to assist me I would be greatly appreciative. I can be reached at XXXX address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX thank you
|
| 09/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft.
Due to Goldsman Sach USA last response to my complaint ; " Marcus by Goldman Sachs, a brand of Goldman Sachs Bank USA ( the Bank ), received the above referenced complaint via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/XXXX. We appreciate the opportunity to address the issues raised by XXXX XXXX XXXX ( Mr. XXXX or the Customer ) and the CFPB. Mr. XXXX complaint alleges that a personal loan ( the Loan ) was opened with the Bank on XX/XX/XXXX without his authorization or knowledge. The Bank conducted an investigation into Mr. XXXX complaint and determined he remains liable for the Loan. According to our records and investigation, the Bank successfully verified the Customers personal and account information with our procedures during the Loans application and origination. Additionally, the nine ( 9 ) successful payments made towards the Loan came from the same external account that the Loan funds were disbursed to. The Bank has verified that this external account was owned by the Customer. Given the payments to the Loan, as well as the Banks confirmation of the information provided at the Loans application and the consistency of which this information ties to the information independently provided by the Customer, the Bank has determined that the Customer remains responsible for the Loan. A response to this complaint was sent directly to the Customer. Based on the above details, we kindly request this complaint be closed. '' I have received my XXXX XXXX account with XXXX Bank statements used to open the account for the loan was in deed FRADULANT. Under The Fair Credit Act. I request that Goldmans Sachs Bank USA send confirmed authentic copies of the information used to open the fraudulent account in my name. This includes, Emails, Bank Statements uses to apply for the loan, Payment history for the account and any other information regarding the fraudulent account. I have my XXXX XXXX Copy of banking history I would like to validate Goldmans Sachs USA information. Under The Fair Credit Act, and my rights that I am exercising under this act, you are required by law to send all information on the fraudulent account to support your claim.
|
| 11/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I am filing a complaint against Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX.
The bank is the issuer of my Apple Credit Master Card ending in XXXX. The credit limit set was {$3000.00} I have been using the card for purchases and services charges and in my first month I have Charged {$5300.00} and made electronic payments in the amount of {$4700.00}, so currently I should have a balance of {$630.00} and available credit to spend of {$2300.00} XX/XX/XXXX : {$4.00} Posted Immediately XX/XX/XXXX {$360.00} Posted Immediately XX/XX/XXXX {$1600.00} Posted ( After I called in Customer Service 2nd day ) XX/XX/XXXX {$2500.00} Did not Post The bank posted my first two payments immediately. Third payment did not post until after I called in the second day and the representative informed me that they usually would hold the payment for 3 days for my protection, in case I made it in error!
The last payment did not post, and when I called in I was told it will not post until XX/XX/XXXX! I asked why and was told that it usually takes 7 to 12 days to " process payment!!, When I told them that the previous customer service representative had told me 3 days and now you are telling me 7 to 12 days, and if that is in the credit card agreement, the supervisor told me YES it is and she will send me a copy of the agreement.
Upon reviewing the Card Terms and Conditions agreement ( copy attached ), under When We Credit Your Payment section on Page 10/19 ( copy attached ), The bank terms state that they will credit my account the next day. In the section below, the bank reserves the right to withhold credit availability of payments for a period of time, which is not qualified or quantified.
I can understand if the bank is having a problem with the customer and is looking to reevaluate the credit availability, but when a customer is making payments in full before time, with no credit or payment problems, and when the payment funds have been deducted from my account, the payment should post immediately. We can accept 1 day or -on exception, 2 days processing, but 12 days to process payment is stretching it. This is unfair and violates the terms of the credit card agreement.
|
| 09/26/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
Reference Goldman Sachs Bank ( GS Bank ) ; GS Bank refused to accept written notice to close a CD at maturity. In my opinion this is an overly restrictive and punitive policy. If I were to close a CD that automatically renewed then the penalty would deduct from the principal that was used to " roll over '' the CD XX/XX/2016.
I contacted GS Bank by phone on XX/XX/2016 and talked to " XXXX '' and again on XX/XX/2016 talking with " XXXX ''. I knew that I would be out of country when the CD matured and would not be able to call the bank. I told this to XXXX and she said it was company policy to handle account closing by phone only. I made it clear I was not happy and decided I would take action to close the account on my return. On XX/XX/2016 I called the bank to close the new CD and was told that the penalty would not be just the accrued interest since the roll over date but also deduct from the principal that was used to open the CD. Again, I told GS Bank that I found this an unacceptable policy and asked to talk to a manager. I was told by XXXX that he was a supervisor and that no one else would change the answer I was given. The penalty would deduct more than one year 's accrued interest in the account.
My intent was to either open a GS Bank five year CD or move the principal to an competitive bank paying 1.95 %. I was not offered the opportunity to move the money to a new 1.85 % five year CD at GS Bank.
Checking my financial files I found a XXXX page " Deposit Account Agreement '' from GS Bank. Reading this section on Certificates of Deposit it is not clear that a " phone call '' is required to close a CD. Seems to me I should have been offered the opportunity to provide written notice but was denied that option. I have several CDs with other banks and have been required by at least one bank to provide written notice, not a phone call, when closing an account.
Simply stated, the GS Bank policy preempted my ability to improve the return on my funds. Because of the policy and the punitive penalty I can not move my money out of GS Bank for another two years.
I would now like to close the GS Bank CD without penalty and seek support in getting GS Bank to change their policy.
Thank you.
|
| 08/12/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My savings account has been repeatedly locked and my funds have been trapped in the account, despite multiple calls with specialists who unlock the account. I have asked specialists if I was able to transfer my money out and they confirmed that I could transfer the money out. I requested a transfer from Marcus to XXXX on XX/XX/23that was returned onXX/XX/23 because my Marcus account was locked. I called Marcus and my account was unlocked by a representative who said it would be fine to transfer the money. I requested a transfer from Marcus to XXXX again on XX/XX/. This transfer was returned back into the Marcus account because, again, my Marcus account was locked. I called to unlock the account on XX/XX/ and was told that I had to submit an affidavit of identity before I could access my money that was locked in the account. I was told to call back in 1-3 business days because the affidavit required approval before Marcus would send it to me. I called 3 business days laterXX/XX/23 to check if the affidavit of identity had been sent, but the representative simply unlocked my account and confirmed that I could transfer the money out. I attempted to transfer my money out of the Marcus account, but once again the account was locked. During each call with a representative/specialist, I was given conflicting information about whether my account and funds were accessible. My mother received a voicemail on XX/XX/ informing me that my account had once again been locked and that I would need to call. I called on XX/XX/ to unlock the account and the representatives told me they had not put in the request for the affidavit of identity yet. The representative told me she would be asking the " upper management '' to approve that the affidavit of identity would be sent to me in the mail. I was told to call in 1-3 business days to check if the affidavit of identity had been to me from Marcus, XXXX I called today, XX/XX/. The representative on the phone said that there were no updates and that I am supposed to call in 3-5 business days. This means that my account and funds will have been locked for over a month before I can access them, and still Marcus does not give me information or help me access my funds.
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
As of XX/XX/XXXX credit bureas and company said that have done an investigation but that can't be correct if I haven't gave any written permission APPLE CARD/GS BANK USA XXXX XXXX NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XX/XX/XXXX Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX CO - XXXX CO - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XX/XX/XXXX.
Status updated XXXX XXXX Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit grantor 's request Account previously in dispute - investigation complete, reported by data furnisher Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
It has been XXXX days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2022 I have booked a hotel stay at XXXX XXXX in XXXX XXXX TX.
I used my Apple Card to book it and the day before I checked in at XXXX XXXX, I got charged amounting {$190.00} from a hotel I dont recognized named XXXX XXXX. I didnt disputed this anyway thinking this could be XXXX XXXX XXXX name. The next day when I check in at the XXXX XXXX I got finally charged for my stay, the merchant name that shows on my Apple Card is XXXX XXXX which is now correct. So, since the first charge is odd for me because the price is not right and I dont recall booking for this XXXX XXXX I asked the receptionist if she recognized this charge and the merchant. She told me no and the only charge that she processed was the one named XXXX XXXX because thats where we check in.
So since the receptionist doesnt recognized this charge and so do I. I disputed this to Apple Card Goldman Sachs because why would I pay for something I didnt purchase. Who knows if someone got my card information and book it. Anyway the first investigation result came up and based on the email/mail I got it tells me it is a valid charge and I had to pay for it and no other explanation. So since I am getting annoyed because they want me to pay something I didnt order I asked to reopened the dispute and have them investigate it one more time because its not me who made the purchase to XXXX XXXX. So they investigated again and based on their investigation and the packet they sent to me, it shows that the XXXX XXXX and XXXX XXXX I check in with is the same company and the charge I got from XXXX XXXX is part of XXXX XXXX. So I was like ok fine. They shouldve just told me that in the beginning so I know what is going on and Im not wondering how the heck I got charge for something I do not purchase. Moving onto that messed I paid everything on my account. I never missed payment and my payment history with Apple Card XXXX Goldman Sachs is perfect because I dont carry balance or pay late.
I tried to reach out apple card and see if they can resolve this issue but I just want to report this just incase they dont end up fixing it or tells me it was my fault where it was truly their fault for not telling me everything on my first dispute.
|
| 02/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Servicemember |
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The Company provided a Fraudulent statement lied to you a federal Agency. FBI, Metro PD and FTC already ruled that they in breach of Federal Law and committing Federal Banking Fraud.
This what they wrote to you : " CFPB Response XXXX # XXXX ( Recd XX/XX/2020 ) Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/2020. We appreciate the opportunity to address the issues raised by Mr. XXXX XXXX and the CFPB. Mr. XXXX complaint references the treatment of Daily Cash for returns. The Apple Card Customer Agreement details the handling of a return on an Account, including that the Bank will charge an Account an amount up to the amount of any Daily Cash accrued for the transaction ( s ) related to the return ( a Daily Cash Adjustment ). Mr. XXXX made a purchase and earned Daily Cash. When the Customer returned the merchandise, the Bank charged a Daily Cash Adjustment, as the Daily Cash he previously earned was already transferred to his Apple Cash account on XX/XX/2020. Based on the above details, we kindly request this complaint be closed. '' This the reality. The Merchandise was never returned. The computer is in my possession. XXXX XXXX AFTER SPEAKING WITH GOLDMAN SACHS ON THE PHONE IN PRESENCE OF WITNESSES who submitted sworn affidavit to the FBI Also. XXXX advisor asked me to return it and repurchase it to gain additional discount when I went to purchase XXXX XXXX. I told them what about my cash they got Goldman Sachs on the phone and GOLDMAN SACHS representative in the presence of the witnesses that I get to keep my cash back if I di what I am told by XXXX. Please see attached the proof that the merchandise was repurchased with the receipt and that it is registered to me with the XXXX XXXX Document.
I have published this fraud to MEDIA OUTLET SO that other consumers do not get frauded by GOLDMAN SACHS LIKE I AM VEING FRAUDED AND ABUSED Additionally, their supervisor had agreed to put this under investigation and someone was supposed to call me and it never happened THE RECEIPT AND XXXX XXXX EVIDENCE BELOW SHOWS YOU THAT I ABIDE BY THEIR TERMS AND CONDITIONS!!!!!!!
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| 05/15/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a personal and joint Online Savings Account ( OSA ) at Marcus by Goldman Sachs. The joint account was funded by electronic transfer in the following amounts XXXX account XX/XX/XXXX - {$1.00} XX/XX/XXXX - {$99000.00} XX/XX/XXXX - {$120000.00} XX/XX/XXXX - {$25000.00} XX/XX/XXXX - ( {$150000.00} transferred to personal account ) XX/XX/XXXX - {$120000.00} ( deposit from co-tennant ) On XX/XX/XXXX, I attempted a transfer to an external linked account at a third bank and the transfer was flagged for a " fraud '' audit. I was able to quickly call in and confirm the transfer and my account was unlocked. However, my co-tennant was not able to unlock her account after many attempts. She has even mailed in a notarized " affidavit of identity '' ( AOI ) as per request of the bank fraud department on XX/XX/XXXX. But 18 days later, they still show no receipt of the AOI.
Currently, the principal balance in the joint account is {$250000.00}, plus interest paid. I have had no access to these funds for over 30 days.
I asked the bank to return the funds in the joint account to the FUNDING account ( s ) until the account lock issue has been resolved, but they responded that this was not an option for " fraud '' reasons. This seems ridiculous because the funds are being returned to the funding account, whose provenence is known. The customer service team refused to escalate the issue beyond a first level manager to resolve this problem. They also refuse to accept electronic or photo versions of the notarized AOI to expedite the account verification process.
There seems to be a business process issue in the way the Fraud department at Marcus by Goldman Sachs manages custody of funds received. Their account verification process relies only on delivered mail and they refuse to acknowlege that this is unreliable or that their mail processing team could have made a mistake. Additionally, the customer service team refuses to allow me to speak directly to the account verification team by phone.
I can not believe that it is legal for them to freeze my deposits under a pretense of fraud for an indefinite period of time. At the very least, I should be allowed to return funds to the funding account.
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| 04/08/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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On XX/XX/2022 I tried to transfer {$30000.00} from my Marcus by Goldman Sachs savings account, via XXXX to a bank where I have a checking account ( XXXX XXXX XXXX ).
On XX/XX/XXXX I logged into my Marcus account to find out that the transfer had been reversed.
I then called Marcus to find out why the reversal happened, and over the course of XXXX hours, much of it involving a three-way conversation with a representative from XXXX XXXX XXXX ( where I was trying to transfer the {$30000.00} ), I was told by Marcus, that the transaction was reversed because of XXXX XXXX.
The representative from XXXX XXXX Bank told the Marcus representative that XXXX XXXX had no record of any transaction request from Marcus. In fact, on the day that the transaction reversal happened ( XX/XX/XXXX ) there was no one in the department at XXXX XXXX to initiate a reversal - because it was a Saturday.
During the course of four hours involving four conversations with Marcus representatives, each Marcus representative, including a supervisor, insisted that Marcus always places a code to indicate why a transaction was reversed. But they had no code, or reason listed, for the transfer reversal. Because there was no code given, Marcus representatives- including a supervisor and specialist- said the fault for the transaction reversal was XXXX XXXX 's.
I should also mention that three times Marcus representatives hung up - each time the same representative from XXXX XXXX remained on the phone line with me.
In summation, it seems as if Marcus by Goldman Sachs is refusing to admit any error in the reversal of the initial transfer ( XX/XX/XXXX ).
I should also mention that on XX/XX/XXXX I did ask for a wire transfer - and a Marcus representative expedited that transfer, but I was charged {$16.00} for it. Marcus refused to pay the {$16.00} fee. And Marcus kept on insisting they bore no fault for the earlier transfer reversal of XX/XX/XXXX.
I am left wondering how can Marcus claim no responsibility for the transfer reversal when XXXX XXXX clearly stated they never received the transfer request, and that no one at XXXX XXXX was in the office to even consider a reversal on the day the reversal was made.
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| 09/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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I thought I was talking to an Apple Pay support person, she identified herself as XXXX XXXX, Apple employee # XXXX. My Apple Pay was suspended and I waned to know why. She told me my XXXX was compromised and instructed me to go to XXXX and do a gift card ( a few times ) and she used XXXX XXXX XXXX XXXX, zip XXXX, code XXXX. She assured me these would be voided. Then she asked me to download XXXX, using the same XXXX and she kept telling me not to worry all would be voided. She had me XXXX money to my daughter XXXX XXXX and have her send it back. She waned me to go to XXXX and get a XXXX. That's when my daughter came to the house I'm still under the impression this person is Apple support. She continued doing these gift cards with. my daughter. Finally at XXXX XXXX we decided I was being scammed. So we called the police and reported it. And I have a police report. I'm still not believing how stupid I was. But I have worked with Apple support with other problems and they have always been wonderful. But during all this she texted because I lost the call.
Sent all the info certified mail to Goldman Sachs and have not heard anything back from them. I have talked to numerous Apple Pay support employees to no avail and they would transfer me to an Apple Support person at Goldman Sachs. The charges have been disputed several times and they want me to pay {$600.00}. All charges that were done by XXXX XXXX in the month of XXXX and her assuring me these were all great. I have not used the Apple Pay card since. The certified mail with copies of everything were sent to Goldman Sachs and signed for by XXXX XXXX. I am enclosing a text message from XXXX when I lost the connection XXXX XXXX XXXX. XXXX has reversed charges and closed account. XXXX said there wasn't anything they could do because the XXXX gift cards were already sent to No first or last name to XXXX XXXX XXXX, XXXX GA XXXX as the XXXX gifts cards also. I have closed out my checking account and opened a new one. Also clo.sed out XXXX card account and got a new one ( it was attached to my Apple Pay account ). I may have forgotten pieces of all this. But my memory isn't as good as it used to be. Please help me. Thanks for reading
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| 06/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2023 XXXX, I received the notification about an unrecognized transaction in the amount of {$1300.00} by Apple Store online and will be pick up in the store. At XXXX, I reached out to the Goldman Sachs Apple card support team and told them about this. The specialist put on dispute for me and replaced my card. That's all they did. Few days later, the purchased item, which was an XXXX XXXX XXXX XXXX deep purple XXXX was picked up by someone ( using my identity ).
After two months ( XX/XX/2023 ), I received an email saying that the disputed transaction was rebilled and sent me a report saying that the purchase information was by me ( my name, address, and billing address ). The person used guest checkout, and I didn't even realize what item was purchased until I saw the report. Of course it would show MY INFORMATION because this person stole my personal information and impersonated me. I tried to dispute again and hoping that they would do further investigation on it to prove that I didn't make the purchase, but they didn't and the bill came again after two months ( XX/XX/2023 ). They could of checked the store surveillance camera to see who really picked up the item or even see who is using that phone, which can definitely prove that it WAS NOT ME. Now they are saying that " it's been awhile and there's nothing much we can do. ", which is basically telling me that " we can't do anything, you have to take the responsibility on your own, and we don't care about you paying for something that YOU DID NOT PURCHASED. '' No other banks do that.
If the Goldman Sachs support team did something to put " on hold '' to that transaction or notify the Apple employees about the transaction when I first reported that unrecognized purchase, so that they could be more cautious about checking IDs before giving the items out, nothing like this would of happened. I know that they just don't want to do the job. They just give you a solution by the report they see and gives all the stress to you. It's very unfair to me, and it's very disappointing for a loyal Apple user who has been using Apple products for over 10 years. I've NEVER had such hard time and difficulty on disputing before ....
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| 10/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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I have an Apple credit card through Goldman Sachs. They have a cusotmer assistance program in which if you can not pay your bill they defer it for a month, and you pay no interest. I have documentation that shows I had an arrangement and they continued ot send me late notices and threatened ot susupend the card, and then did so. I had an email they sent me stating that I was on the customer assistance program for XXXX. I also have chat documentation showing the rep advised ot ignore the payment reminder as I had a deferred payment for XXXX. When I contacted them via chat ( as this is their method for customers who need assistance ) they bounced me around for 8 hours from department to department and asking me the same questions and never sending me to the right department. They sent me to XXXX, they sent me to itunes- everywhere but what I asked. I sent the information to the XXXX and advised they needed to correct my bill and stop sending me threatening messages, late notices and unsuspend my card. I also asked for it to be corrected with the credit bureau, as I had an arrangement and they agreed that I did, but they still kept saying I was late, even though I uploaded the documentation to show them. They told BBB they would correct all the issues, but they have not. I asked for a supervisor today and the supervisor claims that it has been corrected, I just can't see it. They previously reversed only XXXX of it, and this has been going on since about the middle of XXXX when they first started sending me notices that I would have a payment due, even though they sent me an email to confirm I was on the plan, so no payment would be due. They are attempting to drag this out to make me pay more interest. There should have been no added interest because I was on the plan. They refuse to reverse the XXXX because they are trying to make me pay more interest. They continue to drag this out, as I have been going through this since about the middle of XXXX when they started sending me reminders for payment when I had already made an arrangment, again, which interest is not charged when you are on an arrangement, and those are their rules. They have not kept their word. How is this legal?
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| 01/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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First complaint : XXXX CLOSED YOUR COMPLAINT On XX/XX/XXXX, I bought a sofa from XXXX. they delivered me the incorrect sofa model and color. I called them to report the issue and so far they have not send no one to pick up the wrong one and send me the correct one. I have disputed the charges for {$2100.00} plus interest with apple card ( Goldman Sachs ). they never sent me any status o my dispute and they have keeping posting again the charges on my account. they not helping me at all, with this scam. Second complaint : Company responded : Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/XXXX. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX XXXX XXXX Customer ). The Customers concern references a transaction dispute with the merchant, XXXX, in the amount of {$2100.00}. The Customer initially stated the merchant shipped an incorrect item. The merchant voided a return refund, as the Customer opened a transaction dispute with the Bank. The Bank initiated a three-way call with the merchant and the Customer to facilitate a return of the incorrect merchandise. The merchant advised they are able to schedule a pick-up of the merchandise for the Customer, once the dispute is resolved. The Bank has resolved the dispute in favor of the merchant, as the merchant has agreed to arrange for a merchandise pick-up for an exchange or return. The Customer is requested to contact the merchant in order to schedule a pick-up for the returned item. Based on the above details, we kindly request this complaint be closed. Goldman Sachs is in violation of my consumer rights. this issue I had to deal with it has been for the past 9 months. I never agreed to this terms ( Please request recordings of our interactions ). I have tried multiple times on returned the merchandise e and they always lie to me saying they going to send someone to pick up the sofa and they dont send no one.
Now I returned the merchandise as agreed and they still charged me for the transaction and now they telling me there is nothing they can do because has passed a year now.
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| 06/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
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|
Web |
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Apple Savings states I have to verify ownership of my checking account with XXXX XXXX XXXX XXXX. I made several attempts at contacting both, XXXX has reassured me that they have the appropriate information on file to provide Apple Savings/ Goldman Sachs with information for verification. The XXXX third party verification form was completed on XX/XX/2023.
I confirmed XXXX has documents on file to release verification information. When I contact Apple Savings/ Goldman Sachs verification line, they always fine another reason to not be able to assist. They contacted Card Services, NOT XXXX XXXX XXXX XXXX. Then they say XXXX is closed. The list goes on. The Apple Saving supervisor said I could just simple call them from the bank, then another representative says I have to call back, etc.
I have a direct contact at XXXX, XXXX XXXX, XXXX.
However, Apple/ Goldman Sachs says they cant call him directly.
So, after multiple attempts and different excuses every time, obviously there is an issue with Apple Savings/ Goldman Sachs XXXX not XXXX XXXX
This shouldnt be allowed. Im not sure what all the problem is since I pay my Apple Card/ Goldman Sachs through this very same account.
When I asked the spelling of the name of the employee, she disconnected. When I called back, they refused to make provide the information.
I can not even explain the amount of time Ive had to spend on the phone, only to be hung up on when I ask the supervisors name. How can an institution get away with this? I can not believe that a director at XXXX XXXX XXXX XXXX calling on my behalf is not acceptable to verify ownership.
Once I contacted Goldman Sachs after the originally supervisor hung up, my final point of contact would be XXXX. She gave me reference # XXXX. She stated I could call with that reference number, and she would be contacted since she is manger AND supervisor of the savings department of Goldman Sachs. The only thing XXXX could do is make comments to the account. She said no follow up would happen. She submitted the complaint to a team within Goldman Sachs Savings department for review- but they would not have a need to follow up.
Please help or advise.
Thank you, XXXX XXXX
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| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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On XX/XX/2023 I applied for a credit card Apple Card is a credit card created by Apple IncXXXX and issued by Goldman SachsApple. My application was denied because Goldman Sachs Apple informs me in the application decision that my XXXX XXXX credit bureau reports to them that I have a recently closed CHECKING/SAVINGS ACCOUNT.
I contacted the XXXX XXXX XXXX and a manager informs me that my credit record does not show that I recently had a RECENTLY CLOSED SAVINGS OR CHECKING BANK ACCOUNT, therefore there is incorrect information in the credit application decision.
I contacted the credit bank Apple Card is a credit card created by Apple Inc. and issued by Goldman Sachs Apple and a manager responded to me informing me that the only way they can reconsider my application is for XXXX XXXX to confirm to them that there is incorrect information in the decision and therefore does not exist in the credit record that there is a recently closed checking or savings account.
I contacted XXXX XXXX again and they do not have a letter format to send to Goldman Sachs Apple bank the rectification that there is incorrect information in the decision of my application for the Apple credit card. Only they can give me a copy of my credit record, which I should send to Goldman Sachs Apple so they can see that in my record I don't have a recently closed CHECK OR SAVINGS ACCOUNT.
I as a client, I am being a victim of this injustice and the lack of communication between these 2 companies. I am making this complaint so that they please agree and comply with the fair credit law.
I ask that XXXX XXXX please inform Goldman Sachs Apple that I have not recently had any CHECKING OR SAVINGS CLOSED accounts and that this is not shown by my credit report, on which they are reliing to deny me the credit card.
I also request that Goldman Sachs Apple reconsider my application based on the response to be provided by XXXX XXXX, which shall report that the information in the negative credit card response provided to me by Goldman Sachs Apple is incorrect.
Attached the Goldman Sachs Apple credit card refusal response, where it shows that they are based on information obtained from the company XXXX XXXX.
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| 05/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
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During XX/XX/2022, Apple Card offered a 5 % Cash Back promotion for a new card holder on their first purchase from Apple. I signed up for a new account on approximately XX/XX/XXXX and ordered a XXXX '' XXXX XXXX on XX/XX/XXXX. Due to shipping delays, the laptop was not expected to ship until XXXX XXXX. During that time, I used the card with the anticipation of paying off the full balance when the laptop charge hit so that I could have the full available balance for the charge.
On XX/XX/XXXX, I got the alert that the laptop charge was attempted and did not clear due to insufficient available credit. I paid off the balance in full that day, but Goldman Sachs/Apple Card held my payment for 10 days. During those 10 days I called and texted daily both Apple and Goldman Sachs to try and resolve the situation. Per Apple, my laptop order would cancel on the XXXX, and per Goldman Sachs, my payment would not post until the XXXX. Goldman Sachs attempted to expedite the payment daily but " The System '' Would not let them since it was a new account, and no supervisor I talked to could do anything. On XX/XX/XXXX at around noon, my laptop order canceled, and 12 hours later around midnight on the XXXX the Goldman Sachs payment finally posted and I had the full available line of credit.
I ordered another laptop and asked if I could get the 5 % cash back offer on the new purchase and was denied since it was outside of the offer window. I tried to explain that this felt like a bait and switch tactic since I was not the reason the payment was held, and that I did everything I could to make the offer happen. I was denied multiple times, and various cases were " sent up '' to departments with no follow up. The times someone did try to get back to me, they redirected me to front line support who could not do what I was requesting, or simply put in more cases that were never followed up with. Throughout the process of trying to get the payment expedited and trying to get the 5 % cash back. I was told multiple times that if I had first put the money in the Goldman Sachs Apple Cash account, that the credit card payment would have posted instantly which also feels rather dirty and scammy.
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| 05/14/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
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|
Web |
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I am writing to file a formal complaint against Marcus Goldman regarding their failure to credit the promised bonus to my account. I participated in their promotion, which required depositing {$10000.00} to receive an extra {$100.00}, in XXXX of this year. Despite meeting all the necessary conditions, I have not received the bonus.
Here is a timeline of the events and interactions I have had with Marcus Goldman : In XXXX, I deposited {$10000.00} into my account to fulfill the promotion requirements and become eligible for the bonus.
The bonus appeared on my account initially but stopped showing up in XXXX.
Concerned about the missing bonus, I called Marcus Goldman 's customer service and I was informed that there was a technical error but assured that I was still eligible for the bonus. I was told that the bonus would be credited to my account on XX/XX/XXXX.
On XX/XX/XXXX, as the bonus did not appear on my account, I contacted customer service again. I was instructed to maintain the account balance until XX/XX/XXXX.
Following their instructions, I kept the balance in my account and called customer service once more. On this occasion, I was assured that I had met all the conditions and the bonus would be credited within 1-3 business days. Additionally, I was informed that I was free to move the balance in my account.
Based on the information provided, I removed the {$10000.00} from my account on XX/XX/XXXX, expecting the bonus to be credited soon.
Today, XX/XX/XXXX, I engaged in a chat conversation with a Marcus Goldman agent who was not only rude but also claimed that my account was not eligible for the bonus because there was no balance. This contradicts the information previously given to me and is extremely frustrating.
Throughout this process, I have been constantly fed inaccurate information and denied the promised bonus, despite fulfilling all the requirements. This situation has caused me significant inconvenience and has damaged my trust in Marcus Goldman.
I kindly request your intervention in this matter. I believe that Marcus Goldman should honor their promotional offer and credit my account with the {$100.00} bonus as originally promised.
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| 02/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
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I have been using my Goldman-Sach 's Apple Credit Card for the cash back awards. Recently, I've been making larger, more frequent payments which resulted in part of my credit limit being put on hold for ten days. I have a {$5500.00} credit limit but like to use the card and pay it back right away for the daily cash back benefits.
XX/XX/XXXX I made a payment in the amount of {$1000.00} XX/XX/XXXX I made a payment in the amount of {$960.00} XX/XX/XXXX I made two payments, one for {$1200.00} and also {$3000.00} XX/XX/XXXX I tried to make a small purchase in the amount of {$490.00} which was declined for " over spending limit ''. I checked my bank account and saw both payments {$1200.00} and {$3000.00} had already been debited from my checking on XX/XX/XXXX, so I thought I would wait 1 additional day for the payments to reflect in the available credit. The following day, XX/XX/XXXX I called into their customer service and was told both of my payments from XX/XX/XXXX were " put on hold ''. The representative was not able to explain why the payments were put on hold ; but, she was able to release the smaller one for {$1200.00}. Over the weekend I kept checking my account to see the {$3000.00} in my available credit to no avail.
I called back on Monday XX/XX/XXXX and asked to speak to a supervisor or manager and was told although the {$3000.00} posted as a payment my available credit would be on hold on until XX/XX/XXXX. I became agitated at the fact they would place a hold for ten days even though they debited my checking and already got their money. I was told I was making payments too large and too frequently which impacted my available credit. Since this poses no additional risk to the credit card company I became infuriated and asked to speak to someone else above that supervisor or manager and was told there was nobody above her I could speak to and nothing she could do, I had to wait until XX/XX/XXXX.
My complaint is that I believe they are holding or suspending my available credit because I use the card and pay it back right away, taking advantage of the cash back benefits which, in my opinion, the company is trying to prevent me from using their benefits.
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| 03/23/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I have two accounts with Marcus, one has been open for a long time and recently opened a joint account. Marcus has blocked all my access to both of my accounts on XXXX XXXX claiming they couldn't verify my joint account owner. Mind you they blocked both of my accounts and refused to get me access to even see the funds in my account since last week so I have not been able to log into my account. After multiple verification calls and discussions with all different representatives, we were advised that we should initiate the closure of the joint account in order for me to get the quickest access to my personal account. In order to do so, we would have to move the funds out of the joint account which we agreed to do so but then they blocked the transfer out for no reason. I had called again, initiated another transfer, confirmed next day with a Marcus rep that it went through but it never showed up in my external account so gave them yet another call and again they blocked the funds going out of the account for no apparent reason. At one point the representative switched the account numbers and tried to withdraw funds from my external bank instead of sending funds there which cased another delay on the funds coming out because as Marcus claim it, they saw that I stopped the wrong transfer so they cancelled the correct one too despite the rep telling me all went through when I called to confirm the next day. I'm now a week with out access to my funds, all the bank representatives tell me different things on why the transfers apparently can not come through and why I'm unable to close the account and get access to my second personal account where I hold all of my life savings, just being more time to hold my funds despite me calling daily and trying to get access to at least see my account. I have been a loyal Marcus client for years and they are now refusing to give me access to my account and my funds. I have already spent over 10 hours in the last week on the phone with them and I'm lost as to what else can I do if they continue to block my transfers which they advised me to do so I can close the account and get access to the other unrelated account on my profile.
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
I bought a XXXX XXXX Order Number : XXXX Order Placed : XX/XX/XXXX. I was issued an Apple credit card/account. It is the only transaction associated with the account.
Goldman Sachs was provided an email address from Apple in the account setup. The email address XXXX. That email address was assigned by Apple over 20 years ago and has never been used other than as the Apple account ID. It is not used for or monitored for correspondence and never has been - without a problem for over 20 years. It can not be deleted ; I tried years ago, concerned that it would lead to confusion, which it has.
Goldman Sachs attempted to reach me using that address to indicate that payment ( s ) were overdue. Needless to say, I never received those notices.
I make auto payments directly through Apple for other products and services every month. I believed the payments were being made automatically to Apple for the product purchased. After 39 years without incident I do not monitor Apple auto payments monthly.
I have never had a late payment before ( check my report ). I built and maintained a credit history rated excellent on all three reports for decades. It is now trashed due to an email address I never use ( other than as account ID ), do not want and did not understand would be the basis for contact from an institution I did not deal with directly.
Fair redress in my opinion would be to remove the delinquent report from my credit rating. If there is a penalty due to my not understanding the complexity of the transaction so be it, but the damage done to my credit does not reflect my credit worthiness accurately and resulted from correspondence between Apple and its credit account partner. All outstanding payments were made within minutes of my learning they had not been as expected.
I contacted Apple on XX/XX/XXXX and again on XX/XX/XXXX. Case ID : XXXX. On both occasions I was forwarded to Goldman Sachs. On XX/XX/XXXXXXXX I was advised that a supervisor would review and contact me - no one did. On XX/XX/XXXXXXXX I was told that Goldman Sachs could not address the problem other than to tell me to change the email address that I never used intentionally and can not delete.
|
| 12/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
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*I AM NOT A VICTIM OF SCAM/FRAUD* Update : As of XXXX XXXX XXXXXXXX I still do not have my funds from Marcus by Goldman Sachs XXXX It has been over 7 months.
Recently on XXXX XXXX XXXX I spoke to someone named XXXX, I thought I had received good news An affidavit of identity was sent out to me so that I can fill it out, send it back so that way Marcus by Goldman Sachs can send out the check to me instead of the originating bank finally. They told me I will received the Affadvit of identity will be received in 7-10 business days. It is now XXXX XXXX XXXX and I still do not have the affidavit of identity. Most Recently, on XXXX XXXX XXXX I contacted Marcus by Goldman Sachs to see once again where my money was, they stated that the originating bank has the check and we do not know if they deposited it or destroyed it. I spoke to someone named XXXX They also stated that an affidavit of identity was never sent out because they do not have my funds so a check would not be created and sent to me even with an affidavit of identity! Essentially, they dont know where my {$20000.00} is. At this point, I seriously can not deal with this anymore and I have no choice but to file a suit for damages. Update : It is now XX/XX/XXXX and I still do not have this money. I recently called XXXX XXXX on XX/XX/XXXX to see what was going on with the dispute that was created by Marcus By Goldman Sachs on XXXX to see where my funds are : This dispute was put in my XXXX : Dispute ID : XXXX Amount : {$20000.00} Marcus by Goldman Sachs stated that we needed to do a 3-way call with XXXX XXXX to confirm the funds have not been received by them from Marcus by Goldman Sachs XXXX XXXX from Marcus By goldman sachs confirmed on the phone with XXXX XXXX that they do NOT have the funds and I still do not have this money. She then initiated another dispute for the same exact reason, to see where my funds are. XXXX Dispute ID : XXXX {$20000.00} XXXX At this point, I have been trying to get my money back from Marcus by Goldman Sachs for over half a year and it makes no sense why Marcus by Goldman Sachs is putting me through this toxic cycle. I am filing a lawuit against Marcus by Goldman Sachs.
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| 05/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I opened up my Apple Card by Goldman Sachs in XXXX of XXXX. I maintained an exceptional payment history never missing a payment. This is during the XXXX coronavirus COVID pandemic. Around XXXX of XXXX my business started to Suffer and I struggled with payments. In XX/XX/XXXX I paid down the complete balance of my Apple Card by Goldman Sachs to zero balance.
I was then told by Apple Card GS that my account was closed. Saddened by this I was informed to reapply. Relieved that at least I paid off the card with XXXX balance I went about building my business. Since the card is closed I no longer received notifications, alerts or had access to login On XX/XX/XXXX I get an alert from credit bureau saying I'm pass due on my Apple Card by Goldman Sachs. And that my credit score has dropped by XXXX points. This is especially disheartening because I'm in process of purchasing my first home. I call Apple Card Goldman Sachs and was informed yes you paid your balance to zero and and account was closed so there was no way to inform me of a {$100.00} interest payment. If there was an interest payment of {$100.00} why not alert me since I am no longer a customer of Apple Card Goldman Sachs? I was told there was no attempt to alert me instead they just reported incorrectly to credit bureaus. They agreed this was in error but now I will lose my home because of Apple Card Goldman Sachs rush to report to credit agencies instead of calling or trying to resolve. I feel this is negligent practicing. Americans credit is very valuable and in this current climate of COVID it's hard enough to keep our families feed and business open. I feel an error like this could really ruin a lot of things for a customer that maybe already struggling to stay afloat. I was told that APPLE CARD GOLDMAN SACHS would escalate this matter but time is not my friend since I am in process of buying a house. I need them to fix this error asap and consider a different approach when reporting and dealing with communicating with customer past/presen Desired Outcome/Settlement Desired Settlement : Correction to a credit report None Provided Complaint Details Nature of Complaint : Billing or Collection Issues
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| 09/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have the GM Card, which is a part of Marcus by Goldman Sachs. My most recent invoice closed on XX/XX/22. My total balance was {$4900.00} with a payment due date of XX/XX/22. My total credit limit for this card is {$5000.00}. I proceeded to pay the entire balance ( {$4900.00} ) on my card via ACH from my XXXX XXXX XXXX account with an effective date of XX/XX/22. The payment applied that day and the current balance on the Marcus by Goldman Sachs account website reflected {$0.00}. In addition, my XXXX XXXXXXXX XXXX account website also reflected the dollars having exited that account on XX/XX/22, with my remaining available balance reflecting the absence of those dollars. The main issue I'm having is that when I look at the Marcus by Goldman Sachs website for my GM Card, it showed only {$77.00} of available credit, even though I had a {$0.00} balance and a {$5000.00} credit limit. When I called Marcus by Goldman Sachs on XX/XX/22 aXXXX XXXX XXXX EST, I spoke to a customer service representative by the name of XXXX, followed by her supervisor, XXXX. They both said it would take 7 days for my available credit to reflect that I had paid my bill. They said there was nothing they could do. I filed a complaint thru the supervisor XXXX and was promised a call back, and never received one. From personal experience, I have multiple credit cards, some of which have credit limits as high as {$40000.00}. Every single time I've paid a balance due, regardless how large or small the payment, the very next day my available credit reflects that fact. At no point was anyone at XXXX by Goldman Sachs able to explain why they're essentially taking a 7 day interest free loan and not reflecting an accurate available credit limit. In addition, upon reviewing their terms and conditions, there is no mention anywhere in the document regarding a lag in updating available credit after a payment is made. Had I known my available credit would not have been updated immediately, I would have never made the payment effective two days after the statement date. This seems like a travesty and a complete abuse of customers regardless whether the payments made were {$50.00} or {$5000.00}.
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| 12/08/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2023, I discovered that approximately {$37000.00} had been transferred from my Marcus by Goldman Sachs ( Goldman Sachs USA ) savings account beginning on XX/XX/2023 through XX/XX/2023. In each instance, {$1000.00} was transferred out of my account to an XXXX account at XXXX XXXX XXXX. It seems this activity was done to evade AML structuring monitoring as well as the reporting requirements. I did not authorize any of these XXXX transactions. I have completed the necessary WSUD forms as provided by Goldman Sachs within the 10 business day time-period. I have called several times to determine when a provisional credit would be issued in my savings account as it is now Day XXXX of the investigation. These calls have been futile at this point as Goldman Sachs ' employee do not understand the language of their own deposit agreement, which mirrors Regulation E.
Despite our 10 calls to Marcus by Goldman Sachs, the bank refuses to issue a provisional credit to me despite its own Deposit Agreement stating that they will provide a provisional credit within 10 business days, if the investigation takes longer. I am consistently told that an internal review is ongoing and we do not issue provisional credits. I simply want my funds returned to me.
Pursuant, Regulation E ( 12 CFR Part 1005 ) of the Electronic Funds Transfer Act ( https : //www.consumerfinance.gov/rules-policy/regulations/1005/11/ ), the act states : ( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited.
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| 02/04/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Problem with fees or penalties
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Web |
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Opened on line cd account on XX/XX/2020 around XXXX with Marcus bank of Goldman Sachs on line and called back at XXXX XXXX and XXXX XXXX to make a stop on transferring funds of $ large amount from my bank.
I called the number provided by the website and that turned out to be a call center.
I asked if I should make a stop order with my bank but the call center personal told me that they can do this fro their end and that I need not have to take any action by me talking to my bank. She asked me to check in couple of days.At this time funds were still pending in my account on XXXX of XXXX. So I was thinking they got my request and stopped opening my cd account. To my surprise the funds went to Marcus bank upon checking my account on line. Again I called on XXXX at XXXX pm, to same number provided by Marcus and of course found different personal to answer my phone and told me it might get two to three days to get approval to return my funds without penalty..
They would not call me or send email on their action and I need to call them back and check.
I called back on Tuesday XXXX morning at XXXX XXXX since no funds were deposited back back to my were they were originated. I was still given the prototype answers and refused that I can talk to their supervisor on duty. Since the call was answered by call center, I requested if they can connect me to the bank directly or can put me in touch with the bank manager/officer. My request was not honored and told me to check back now after two to five business days. I called back again on Friday XXXX XXXX and was told still being investigated by a special department and might take another 2 to 5 business days. Now I was worried since my daughter just had a baby and was in need of financial help.
I called back today morning on XX/XX/XXXX to check and was told the penalty would be simple interest for 270 days. Please note that I called to cancel my account before getting funds from me and now they are trying to rob me with that penalty.
I strongly demand that my funds of XXXX is immediately returned to my account and stop kiting with my funds that was stopped within an hour of request of opening account.
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| 06/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
Older American, Servicemember |
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On XX/XX/XXXX th we were wanting a estimate for a furnace since we were having problems with ours nickle and diming us to death.. Plus the fact it was almost 30 years old..Had a company come out to our home diagnose the problem. Said it would cost between XXXX XXXX dollars to fix when my wife found the same piece for XXXX at XXXX. Said they couldnt do it that way that we had to go thru them. Anyways my husband asked for a estimate on a new furnace and the guy said he had a guy he works with that could help me A hour later this guy shows up asks my husband if he could measure furnace, and comes sits at our table with laptop. Asks my husband 4 questions. NamebirthdateSocial and when he got to social my husband says listen buddie. Im old school. I need paper work In Front of me.. and asked for address.. The salesman says that he sent the link for paperwork while telling my husband he needed his signature on a black computer screen and again my husband said youre going to fast for me. SLOW DOWN. asked why the signatures and he said just chicken scratch right here one for credit check and again my husband said I dont need a credit check I have good credit and the salesman said he needed to check it to get us the best possible price he could and the other signature was us allowing him in the home to do it He never sent the link and we told him that. My wife asked him to resend it and we told him we had a printer and we would print it and make a decision at a later date. He immediatley got up. Said he had another meeting and would send us link when he got back to his office.. Never happened. What he did do was open a LOAN IN MY HUSBANDS NAME WITH THE INFORMATION HE GOT FROM HIM WITH A COMPANY CALLED XXXX NEVER AUTHORIZED THIS LOAN AT ALL AND HE OPENED IT FOR 10 years and 127 payments which means XXXX XXXX $ in interest. My husband started getting emails from a company named green sky, which we have never heard of in our life didnt answer them or open them because he thought it was spam after the fourth day he decided to open it because it was kind of a nasty email and thats when he found out that he had a loan open in his name without his authorization.
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| 02/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/XXXX, I received an Apple Goldman Sachs Master card via XXXX XXXX that I did not apply for. Approximately a week later a received a notice from Apple/Goldman Sachs stating that my identity was verified through the Social Security Administration on XX/XX/XXXX and I am listed as an authorized user. This notice had my correct name and address but I did not recognize the email address. I called Apple on XX/XX/XXXX in order to report that this is not my account or email address. The Apple representative stated that she closed the account and that I am not responsible for any of the charges. She did not provide me with the account balance ; however, she indicated that there were a total 3 cards connected to this account ( 1 being an Apple ID ). I informed her that I use an android phone. The Apple rep instructed me to contact all 3 credit bureaus and file a police report and mail it to Goldman Sachs. On XX/XX/XXXX, I called XXXX, XXXX and XXXX and placed a fraud alert and also froze my credit. On XX/XX/XXXX, I went to the XXXX XXXX Police Report Dept and filed a police report. I mailed the report to Goldman Sachs.
Today, on XX/XX/XXXX, I received an alert from XXXX reporting that I have a card with an overdue balance : Apple Goldman Sachs with a credit limit of {$6500.00} and a current balance of {$11000.00} as of XX/XX/XXXX and a previous balance of {$4500.00}. I am listed as an authorized user. This account is listed as being open since XX/XX/XXXX. I called XXXX and spoke with a rep in the special services dept. She assisted me with filing a dispute and directed me to this website to file a complaint. She also mailed me a copy of my credit report ( that should arrive in 7to10 business days ) and suggested that I reach out to Apple again. On XX/XX/XXXX, I called Apple again in order to get an update on the investigation. The rep informed me that they are working on the case beginning today ( XX/XX/XXXX ). I informed her that the police report was mailed out to them. The rep suggested that I call back by Thursday, XX/XX/XXXX to request an update. I provided the Apple rep with my telephone number and my address as it is not on this account.
|
| 12/09/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I received an email From : Marcus by Goldman Sachs XXXX XXXX Same day transfers are now possible Customer since : XX/XX/XXXX Hi XXXX, Weve made an improvement at Marcus that could make moving your money easier : When you schedule a transfer of {$100000.00} or less by XXXX XXXX ET on a business day, Marcus will complete the transfer by XXXX XXXX ET that day.
Theres no extra step, no extra box to check. You schedule the transfer at marcus.com or on the Marcus app, and we do the rest.
This is also at XXXX XXXX XXXX Transfer funds between your Marcus savings accounts and a linked external bank account. Marcus will complete transfers of {$100000.00} or less made through Marcus by XXXX XXXX ET on a business day, by XXXX XXXX ET that day.
I confirmed in XX/XX/XXXX thru phone call with a Marcus rep that the {$100000.00} limit was per transfer, not per day.
On XXXX, before XXXX EST ( 2hours before the cutoff time ), I authorized at marcus.com 3 ACH transfers of less than {$50000.00} each out of my marcus savings.
My external bank XXXX ( apy 4.00 % ) did NOT receive the funds until Friday XXXX. I had called and alerted XXXX to watch for these funds, but they DID NOT ARRIVE UNTIL Friday XXXX, 2days later.
I earned 0 % interest for those days. I believe an issue was the delay caused by a call I received from a Marcus rep at ~ XXXX XXXX est wed XXXX, to discuss if I really wanted to move my funds out of Marcus and why I was doing this. I explained to the rep to please get these transfers submitted ASAP as it was then minutes until the cutoff time. He insisted on continuing the conversation.
I called Marcus.com several times on XXXX and in the following week, waited thru very long hold times, and explained the situation in every call and with every rep and manager/supervisor. I requested a credit into My Marcus savings ending in XXXX of the 4 % interest on the total amount transferred for {$34.00} Marcus supervisor XXXX at XXXX XXXX stated a customer sevice credit could be given and gave case # XXXX. This request has since been denied.
One Marcus rep said they did not need to honor the email nor the faqs. I am requesting the {$34.00} credit here.
|
| 10/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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Web |
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Subject : Formal Complaint Against Goldman Sachs Bank USA for Unjust Credit Practices Dear Representatives of the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Goldman Sachs Bank USA ( hereinafter referred to as the Bank ) concerning several applications I submitted for the Apple Card and the subsequent, seemingly unjust, denials I have faced, which appear to be incongruent with the principles and guidelines established under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
The denial reasons asserted lack of substantial credit history and insufficient payment history, among others, despite my maintaining a credit account with XXXXXX/XX/XXXX since XX/XX/XXXX, with consistent and up-to-date reporting until at least XX/XX/XXXX. These denials, combined with the ambiguous and inconsistent criteria employed to assess credit applications, seem to infringe upon the mandates of the ECOA that restrict discriminatory practices in credit transactions.
Furthermore, my interactions with the Bank and XXXX have revealed disparities and contradictions in the management and communication of my credit information, its disclosure to third parties, and its utilization in credit decisions, potentially breaching the FCRA which stipulates the necessity for the accurate and fair communication of credit information.
The following actions detail the aforementioned disregard for regulatory compliance and have imposed significant, tangible harm : Inconsistency and Opacity : Observable discrepancies exist between the information provided by the Bank and XXXX, and the covert use of third-party information in decision-making processes without clear disclosure of these practices.
Neglect of Robust Credit Information : Denials have been issued using arguments of " insufficient credit history '' and " insufficient payment history, '' despite a demonstrated history of reliable credit management.
Baseless Credit Denial : Differing reasons for credit denial have been provided across various applications, pointing to a lack of clear and consistent criteria in the Banks credit decisions.
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| 11/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
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On XX/XX/XXXX, my savings account was forcibly closed and all interest paid YTD ( {$4300.00} ) was taken away. I called in on XX/XX/XXXX and the customer service representative would not explain why. I then called in on XX/XX/XXXX and tried to find out why it was closed. It was escalated to a supervisor named XXXX and she was no help either. She was not customer friendly. I asked where my money was and she said it would be mailed, but offered no date when I could expect it. I asked to speak to someone else and she said there was no one else. It been 2 weeks now and nothing been received. I am sure a bank of your stature does not have only CSRs running it. Surely, she could have escalated my concerns further. I am totally dissatisfied with your company.
I sold my business and now have excess cash coming in and I wanted to put it in several high rate saving accounts. Periodically, I check my several banks and move money to substantial higher paying bank accounts. This is exactly what I did in XX/XX/XXXX.
On XX/XX/XXXX, I tried to transfer out 2 transactions ( {$79000.00} and {$54000.00} ) and they were denied. I called in and explained that I was moving money to a higher paying bank and the customer service representative removed the block. The next day I was successful in transferring these two deposits to XXXX XXXX ( XXXX XXXX ).
I did not receive anything in the mail about account closure. This would be the most appropriate way to communicate. Email communication would also work. Your company has both of these methods to contact me with. I did receive a voice message on my phone from the fraud department but thought since I did call in and your customer service representative removed the block, all was good to go. There have been no further communications that I am aware of. I felt good about your company since I have a GM Rewards card with you. I have been a customer of the bank since XX/XX/XXXX and feel I should not be treated this way.
What I want is my money back, my YTD interested credited back ( {$4300.00} which I have earned ), and interest from XX/XX/XXXX to present. I did not do anything wrong. Please take this matter seriously.
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX
|
| 07/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
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On XX/XX/XXXX I accidentally paid my Apple Card twice. The scheduled payment feature is unclear. It appeared like I was editing a scheduled payment, when in actuality I was making an additional payment. There was not warning pop-up saying, " are you sure you want to make XXXX payments on XX/XX/XXXX? '' or something similar.
On XX/XX/XXXX I noticed that my bank account was now overdrawn which drew my attention to the scheduled payment error. I immediately contacted Apple Card Services over the phone and was told they could not issue me a refund on their end and to call my bank. I knew this was not going to resolve the issue but I called XXXX anyway. They said that it was on the vendor ( Apple Card ) to return the funds upon my request. I know it is possible for creditors to return funds to clients because something similar happened to me with XXXX XXXX and they returned my money into my account the next business day. I then contacted Apple Card via the text feature the same day. This costumer service representative XXXX XXXX XXXX finally created a refund request for me saying it would take 3-10 business days.
On XX/XX/XXXX I reached out again to get an update since I was not sent a confirmation email that a refund request was sent, so I had no evidence to confirm whether an actual refund request was made. I asked if this rep had any idea how long it would take to get refunded. This customer service representative ( Danielle ) told me that she saw a date of XX/XX/XXXX.
On XX/XX/XXXX I checked my bank account and the previously confirmed refund was not in my account. I reached out again via text. Was transferred three times to different representatives after telling each of them that I was told I should have my refund by today, XX/XX/XXXX. I was ultimately informed that it would take up to 14 calendar days from the date of issuing the request, ( which I know is 10 business days. ) I asked if this was the company policy to take such a substantial amount of time to resolve costumer issues, this is not a small company, it is Goldman Sachs. To which I was told, " We are a pretty new card and differ from most card companies tremendously. ''
|
| 09/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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I have and apple credit card, and for the past few months when i have used any of my apple devices to purchase a 1 game, they would double charge me. I have called in several times and they claim it was group billing and I made the charges. I advised them that I check my purchases every day and document each purchase but they claim thats how their system works. I decided to start using my other devices that are not apple and make my game purchases that way. I do not ever get double charged. On XXXX i checked my apple credit card balance, as i usually do and it stated that my balance was XXXX, including 3 game purchases made on my apple device on XX/XX/. I have cash back on my apple credit card and i was trying to use that amount to purchase 1 game that cost XXXX, and then i got a notification that apple charged me XXXX. Before i called apple, i added up all my charges including the balance from my last credit card statement and they all add up to XXXX. I called apple on XXXX and advised them once again, that i made 1 purchase and i was charged XXXX, when i was trying to use my cash advance. They stated that its group billing from the previous days charges, and i explained that, my card shows that amount already deducted. The proceeded to tell me that I needed to remove the game because the game is the issue, when i can use another device thats not apple and i dont double billing issues. I advised that they need to credit me back the double charge and they put in a request, well the request was denied. In the past when they were double billing me, i let it go, and in the past i ended up paying an extra XXXX that i didnt owe but i paid it. This me I am no letting the issue go, i want my refund of XXXX cents that apple owes me. Currently, I will either buy an apple gift card or only use apple for store purchases/bills because thats the only time i dont get double billed, but if i am purchasing an online game using an apple device, i get double billed. I have started making screenshots of my apple balance before i make any apple purchases because Im afraid they are going to continue to double bill me. I would like this addressed immediately.
|
| 10/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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The main reason for this complaint is XXXX XXXX ( Goldman Sachs ) failure to close account and being misleading about it.
1 ) On XX/XX/2019, I paid off the balance on my XXXX XXXX ( the account balance was XXXX ) and closed the account by calling XXXX. After a brief conversation, the XXXX XXXX agent assured me this had been done. However, I did not receive a confirmation of the account closure.
2 ) Today, XX/XX/2019, I called again ( at the same number ) to confirm the account closure and was told the account was still active and only the credit card had been canceled. ( I was surprised because on XX/XX/2019 when I contacted XXXX XXXX/Goldman Sachs, I recall I was clear that I wanted to close the account and did not say anything to suggest the card had been lost. ) I expressed this to the agent and asked again to close the account. She first asked me to agree to a statement and when I agreed she assured me the account had been closed. She said I would receive a confirmation but as I write this complaint, I have not received one.
The following information also raises concerns about XXXX XXXX security : 1 ) For security and convenience reasons, I tried to change my Apple Card billing address from my apartment address to the same address I use with my other cards ( a PO box ). I tried to do this in the XXXX app, but the update failed with no explanation provided. I tried twice.
2 ) I called XXXX XXXX support and was told I could change the billing address only when I had a physical card. Even though I didn't want a physical card, I ordered one.
3 ) When the card arrived, I tried again to change my billing address in the XXXX app, but ran into the same problem as in ( 1 ).
4 ) I called XXXX XXXX support again and was told I would not be able to change my billing address after all. I told them that I had been informed previously this would be possible if I had a physical card. The agent told me there had been a policy change.
5 ) I also tried to change my email address to a safer, non-generic email address. I called the customer service but was not able to get an answer on how to do this.
6 ) I decided to cancel the account.
|
| 03/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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Chargeback with XXXX XXXX : Reference to Case Number : XXXX & Case Number : XXXX with Goldman Sachs Apple Card XX/XX/XXXX XXXX XXXX Eastern Time : Airline ticket purchased from XXXX XXXX. Listed as being able to be cancelled on their website. Purchase of {$250.00} On XX/XX/XXXX XXXX XXXX Eastern Time ( via email ) : After refusing to cancel and refund the purchase the merchant offered me a credit for future use. They charged me {$45.00} to do so leaving {$210.00} as a credit with the merchant. I accepted and informed them I would reach out for help with Apple Card support as their website showed I would be eligible for a refund and they did not honor it. Dispute opened with credit card issuer.
On XX/XX/XXXX at XXXX XXXX Eastern Time : Never heard back from Goldman Sachs Apple Card on dispute so I attempted to use previously offered credit and could not do so as the website didnt acknowledge it on my account. I reached out to XXXX XXXX customer support via Text Message support and corresponded with a representative named XXXX. He informed me there was no credit and there was nothing further he could assist me with. I have now received NO refund and NO credit.
XX/XX/XXXX XXXX XXXX Eastern. Received email dispute had been denied. Called Goldman Sachs at XXXX and spoke with XXXX regarding my reversed chargeback. She found my email response from XX/XX/XXXX but did not see the attached PDF file. She reopened the dispute and informed me to reply back with images when requested again. Evidence submitted has been mishandled by credit card issuer and not attached.
XX/XX/XXXX XXXX XXXX Eastern : Received email dispute has been denied. Called Goldman Sachs at XXXX and spoke with an agent asking how to escalate this matter. She was able to put me on hold to escalate to a supervisor. XXXX, answered and verified my identity. I explained the issue and she offered to escalate it for review. She indicated there was no case or ticket number for this action as it is " internal ''. She also indicated there is no service level established for when I should hear back on this. I requested at this time a copy of the evidence used in determination.
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XX/XX/1994 FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that GOLDMAN SACHS BANK USA conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that GOLDMAN SACHS BANK USA will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
|
| 07/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XX/XX/2022, I submitted a payment to Apple Card for {$3700.00} to cover XXXX college classes. The classes were cancelled, resulting in a refund to our card. At the time, the card had an approximate balance of {$1100.00} and an installment balance of {$760.00}. I was told by Goldman Sachs representatives that I could request a transfer directly to my checking account for the remainder after the card balance was paid. On XX/XX/2022, the card balance was paid & {$1200.00} was transferred to our bank account. {$760.00} remained as a credit on our card. I was told the installment balance could not be transferred electronically & would be sent by paper check. I never received a check. Multiple, multiple times I was told the money would be sent to me, then told the request was denied. I talked to customer service, supervisors, and managers. Apple Card violated their installment agreement by forcing me to pay the installments off early by holding the refund hostage. Since the card balance was not exactly XXXX, the app would not let me pay anything other than the monthly balance towards my installment. The credit just sat there, unable to be applied & unable to be refunded. All subsequent purchases would then be automatically paid off by the remaining almost {$700.00} credit. Goldman Sachs would not apply the credit to my installment because they said it would violate my installment agreement, but they forced me to pay the balance early by holding my money. I was advised by Goldman management to try closing the card to force the payoff- but closing the card still kept my money in a holding pattern, still making monthly payments for XXXX years. I had a credit line of {$9500.00} before closing & after reopening it dropped to {$6500.00}. I even considered returning the watch to get my money back, but Goldman could not guarantee the refund would not go back on the came card I had closed as a credit. Apple claims they can not help because they do not manage the Apple Card. Goldman Sachs can lie & mislead with zero accountability - every action they take they feel is justified, even after apologizing for what the were putting me through.
|
| 03/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX I contacted apple regarding a transaction that occurred in error. Ive attempted to get this issue resolved XXXX separate times and spoke with XXXX managers that ASSURED me it would be corrected. At first I was given a XXXX day turn around on XX/XX/XXXX. Then I had called back on XX/XX/XXXX I was given XXXX days then contacted them XX/XX/XXXX I was given XXXX days then I contacted once more at the beginning of XXXX and was told again XXXX days and they could not open the review because it was locked so there was nothing that could be done but was told extensive notes would be taken and just to wait it out. I advised I would be calling back or taking further action. I have waited XXXX more weeks with no response and now it has been reported to my credit bureau about this supposed transaction that doesnt exist. In my apple statement it shows Im negative {$2100.00} which isnt allowing me to get anything using my credit. I am unable to apply for anything at this time. Ruining my credit in the process and unable to use my card for any purpose but still having to pay it. I was charged {$2100.00} on XX/XX/XXXX. The reason being was my monthly payment was supposed to be taken out on that day I had contacted apple because I can not make that high of a payment so I asked to be switched to minimum payments and so it was done. I was refunded the {$2100.00} the following day with my bank and all that was needed to be done was this to be updated on my statement ; the error corrected. The minimum payment was {$88.00}. Instead I was charged the {$2100.00} exceeding my limit and causing it to be reported to my credit bureau. Every time Ive contacted apple theyve said it was an issue on their end with different time frames as to when this would be corrected. And as of today XX/XX/XXXX its still in review. I am unable to use my card as intended ; emergency purposes and Im still having to pay off a balance that isnt mine. In no time did I purchase anything of the amount of {$2100.00} which was disclosed of many times. I also asked about a temporary credit which was also denied as to the fact that my account was in review and locked.
|
| 09/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have an Apple Card with Goldman Sachs, which I connect my XXXX XXXX checking account to the ACH service.
It used to be connected to my old XXXX checking account, but I delinked and updated my bank information when I closed the account with XXXX over a year ago. Since then, I had no trouble having XXXX deduct my balance on due date from XXXX XXXX checking account until the most recent payment date, XX/XX/XXXX.
On that day, XXXX somehow tried to withdrew my balance due {$64.00} from no longer viable XXXX Account. Since the transaction did not go through, XXXX charged me {$7.00} for the interest, and also the statement shows that they will charge me for additional interest on XX/XX/30 because my payment was overdue for the XXXX balance.
I immediately contacted the customer service and explained the situation. I talked to two supervisors, and they refunded me the {$7.00} interest rate, but did not acknowledge the future interest. They told me that they would look into this and resolve within 10 days. Yesterday, I received an email telling me that the issue was fixed, but I still see the future interest rate charge on my card record.
I contacted the XXXX customer service again, repeated the same explanation, but they insisted that they would only see on checking account info, XXXX XXXX. I tried to send a snapshot of the ACH transaction showing the last four digit of my old XXXX account, but they were not able to receive image files because of their system setting.
Since I exhausted my options to resolve this issue with XXXX bank directly, I need your help to have them look into the error ( deducing the balance from my old XXXX account removed long time ago ) and remove any future interest charge since I paid everything on time even after they made this error.
Thank you in advance for your support.
I will attach a snapshot of 1 : my bank account info on Apple Card 2 : XXXX transaction showing that XXXX tried to withdraw {$64.00} from XXXX 3 : Future interest amount to be charged on XX/XX/30 4 : Past 6 months payment records showing that I have consistently paid via XXXX XXXX account until XXXX bank made an error on XXXX
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Unresolved Identity Theft Incident Resulting in Fraudulent Charges and Credit Report Discrepancies Dear CFPB Agents I hope this message finds you well. I am writing to express my deep concern and frustration over fraudulent activity that has adversely impacted my credit report.
A few months ago, I fell victim to an identity theft incident wherein my XXXX login credentials were stolen and subsequently disseminated on dark web markets. This breach led to unauthorized charges on all the cards linked to my Apple XXXX, including a particularly significant fraudulent charge on my Apple Credit Card issued by Goldman Sachs.
The account details for the fraudulent charges are as follows : Account Name : APPLE CARD/GS BANK USA Account XXXX : XXXX The total unauthorized charges on this account alone exceeded {$100000.00}.
Upon discovering these fraudulent activities, I promptly filed reports with both the local police department and the Federal Trade Commission ( FTC ). Copies of these reports were forwarded to the major credit bureaus XXXX, XXXX, and XXXX as part of my dispute process.
Despite my earnest efforts to resolve this issue and numerous disputes submitted, I regret to inform you that these credit bureaus have yet to adequately address my concerns. Not only has their response time significantly exceeded the 30-day period stipulated by law, but I also believe that a thorough investigation into my case has not been carried out. Consequently, the fraudulent Apple card is still unjustly affecting my credit report.
Given the severity of this issue, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you can facilitate a proper investigation into this matter. I am keen to get this fraudulent Apple card removed from my credit report promptly to prevent further damage to my financial wellbeing.
Thank you for your attention to this pressing issue. I am looking forward to your prompt response and assistance in resolving this matter.
Yours sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/17/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I recently opened up an Apple Savings Account, which I believe is actually run/managed by Goldman Sachs XXXX XXXX ). There was no problem opening the Savings Account online, and no problem having cashback deposited from my XXXX Credit Card directly into the Savings Account.
However, now that I'm trying to withdraw money from the Savings Account ( from accumulated cashback from my Apple Credit Card ) to my personal checking, XXXX now tells me ( on XX/XX/2023 ) that I have to " verify '' the checking account I'm trying to withdraw funds into. XXXX opened a text chat window ( on my XXXX ). After texting with customer service, the XXXX told me that I have to call ( can not text/chat ), and have to do so between XXXX XXXX Monday to Friday. ( It was Saturday afternoon when I was trying to take care of this. ) Honestly, this feels like a huge bait-and-switch. XXXX pushed this XXXX Account very heavily through my XXXX ( before sign-up ), and I don't remember needing any information other than my SSN to sign up ( in addition to my name, address, etc. which I already have on file with XXXX and which I believe was entered automatically ). It seems very shady : ( a ) to not actually have a full/working account upon sign-up, ( b ) to hide this fact until XXXX XXXX ( in my case, weeks later ) when the customer attempts a first withdrawal, and ( c ) to then give the run around ( chat, then told to phone but only during certain weekday business hours -- whereas " opening '' an account seems to be available XXXX/XXXX/365 ).
At the very least, I should be able to apply my Savings Account balance as a payment to my Apple Credit Card ( which I opened long before the Savings Account ) without going through this verification process. Instead, XXXX XXXX XXXX XXXX me up '' for an account that isn't actually fully mine ( yet ), insofar as I can't access the money in any fashion until I take additional verification steps ( and on XXXX 's XXXX ).
To be blunt, I'm not sure I would have signed up for the Savings Account in the first place if I had known I was going to have take these additional, not-at-all-quick-or-easy-or-online steps later.
|
| 07/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Fraudulent charges : Amounts {$1200.00}, {$5000.00}. Date XX/XX/2023. XXXX dispute opened by me with Apple Card XX/XX/2023. XXXX dispute for XXXX closed and reopened XX/XX/2023. XXXX dispute for XXXX still open until XX/XX/2023.
My card information was stolen from me via a phone scam. The scam was human engineering by callers who spoofed the Apple Card support phone number.
I received a call from scammers impersonating Apple Card support. Claiming there were fraudulent charges on my account, the scammer led me through a series of steps where I shared information about myself and accounts so that the charges could be reversed. This included reading previous charges, my XXXX, expiration date, but not my card number. When I answered the call, The scammers already had some access to my account which I am unaware of how they stole for example, the scammers knew my current account balance and they knew the first XXXX digits of my credit card. On the phone, I gave other information like my XXXX code under the pretense I was verifying my info with XXXX XXXX.
The next day, I noticed XXXX fraudulent charges on my account to a merchant named XXXX in the amount of {$1200.00} and {$5000.00}.
I reached out to XXXX XXXX. They informed me the previous days callers were not the real XXXX support, and that my personal information had been stolen from me. I opened a fraud dispute.
Yesterday, my fraud dispute was denied by Apple Card. Apple Card claims that they got evidence from the merchant that I authorized the charge. However this is false.
My information was stolen from me by fraudulent means and the used by another individual without my authorization. There was never any expectation that any charges should me made or any services or goods received, and indeed no goods or services were exchanged.
XXXX XXXX claim that this is an authorized charge is not true. I believe I am protected by XXXX XXXX my information was stolen through fraud or force, there was no benefit purported or received ( the scammers claim is to reverse fraud charges ), and the user who made the charge did not have my authorization to make any charges.
|
| 10/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I recently reached out to Apple/Goldman Sachs via chat. I reached out regarding a billing error as well as my open ended credit. To further I expressed to them my consumer rights.
I have an open end consumer credit plan with Apple/ Goldman Sachs bank . It is expressed that I have an outstanding balance. I am asserting my consumer rights and demanding that Apple/Goldman Sachs balance out the balance each month, credit and/or make adjustments to the account, and send me the balance in check every month. In Title 15 U.S. Code 1602- Definitions and Rules of Construction ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. Per Title 15 U.S Code 1666d. Treatment of credit balances -Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
|
| 10/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I got a {$120.00} fraudulent charge from XXXX on my Apple card from Goldman Sachs. I reported the charge immediately and the charge was reversed. They changed my card number and I didn't think twice about it.
Then, on XX/XX/XXXX at XXXX PST my XXXX XXXX was compromised by a phishing scam. My credit card, the Apple Card by Goldman Sachs, also became compromised in this process. I lost ability to use the card as soon as I reported the fraud and was told multiple that I couldn't close the credit card because the account was under investigation. On XX/XX/XXXX, somehow the person who hacked my account was able to make an additional fraudulent {$4500.00} purchase at a jeweler in XXXX ( I live in XXXX ). Apple Card support could not provide a reason that this person was able to use the account that I was told over and over again had been " frozen '' since my XXXX XXXX was hacked at the end of XXXX.
Whoever hacked my XXXX XXXX account changed the email address and phone number associated with the account so I wouldn't be able to use the two factor authentification system to recover my account. Since the account is under investigation, XXXX XXXX at Goldman Sachs won't let me change the contact email address or phone number on the credit card account back to my contact information, which means they keep emailing the hacker my credit card statements every month, which is a violation of my privacy.
Every time I speak with someone from Goldman Sachs they tell me that they will reach out to a supervisor and make a note on my account to stop emailing my hacker, but every time I call and follow up none of those things have been done and my credit card statements are still being sent to the person who hacked my account. My account has now been " frozen '' and " under investigation '' for almost 5 month, accruing more fraudulent charges, and I'm unable to close the account. I've spent hours and hours on the phone with XXXX XXXX and Goldman Sachs customer service and no one can explain why there isn't a better solution than me calling once a month and waiting for the account to stop being under investigation.
|
| 04/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I was a victim of identity theft and the credit card company keeps denying my dispute simply because the scammer was able to hack my email and obtain a fake ID with my name on it. The initial fraudulent charge occurred via online transaction ( for in-store pickup ) on XX/XX/XXXX in the amount of {$1500.00}. This was reported to my credit card company. A temporary refund was received on XX/XX/XXXX as an investigation was launched. However, we were notified that this was reversed via email on XX/XX/XXXX.
The merchant 's invoice receipt indicates the online order was selected for in-store pickup at a store in a city 2 hours away from where I reside. The individual picking up the order had a fake ID that had my name on it. A police report was filed in city of residence, which was then forwarded to the police department that the crime occurred as it was in a different jurisdiction ( the report was provided to the credit card company ). Additionally, the pickup receipt indicates the order was picked up on Monday, XX/XX/XXXX at XXXXXXXX XXXX. At that time, I was at work and there is no possibility of this ( I provided the credit card company with a written statement from my supervisor to back this up also ). This is a clear indication of identity theft ( police report and statement from supervisor proving it could not have been me ). As an XXXX XXXX military service member, I would need prior written approval to be absent during work hours, which did not happen.
I was contacted by the police department that the crime occurred in and notified that that they are unable to obtain surveillance footage from the merchant, as they do not keep footage more than 60 days old. By the time we received the dispute outcome on XX/XX/XXXX, it had already exceeded this time frame and the police department was not able to assist me.
Fast forward six months later ( XX/XX/XXXX ), I have re-opened the dispute a total of 3 times now. They keep rejecting my evidence/dispute without providing an explanation. The supporting evidence clearly shows that I did not make or pickup up the purchase but they are not helping me resolve the matter.
|
| 08/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I received a Promotional offer in XXXX of this year for my XXXX XXXX XXXX from the Issuer, Goldman Sachs Bank. The offer was for XXXX Bonus points when you spend {$200.00} thru XX/XX/23. I have attached a copy of an email I received from Goldman Sachs describing the promo after I had already registered for it in XXXX.
There were XXXX transaction postings to my account during XXXX but before XX/XX/XXXX : XXXX. XX/XX/23 - Sale at XXXX XXXX XXXX : {$39.00} XXXX. XX/XX/23 - Payment : {$39.00} XXXX. XX/XX/23 - Sale at XXXX XXXX store : {$370.00} XXXX. XX/XX/23 - Payment : {$370.00} After the end of XXXX, I looked for the XXXX point Rewards credit on my XXXX statement, but did not see it. When I called Golden Sachs, the agent could not answer my question and asked me to submit a written request so they could research it, which I did.
Today on XX/XX/23, I received a call from a customer service agent at Goldman Sachs. She advised that I did not qualify for the promotion because any Returns or Payments that posted to my account would have been subtracted from the Spend total that would count towards the Rewards Promotion. I told her I definitely understand Returns being subtracted, but subtracting Payments ( thus making them count against a cardholder ) makes no sense. By doing that, Goldman Sachs is penalizing cardholders for keeping their accounts current and/or paying more than the Min Pay Due. I also told her that was not disclosed in the Promotion.
The customer service agent was adamant that is how the Promo is supposed to work, and offered to walk me thru their Rewards Terms & Conditions to prove it. She pulled up her copy and I followed along online using a link in my online account. She read thru every section tied to Rewards Offers/Promos and there was absolutely nothing even close to stating that Payments would be subtracted from the amount used to calculate Spend ; but she still stuck to her guns, stating it would fall under other terms & conditions.
I was reminded at the beginning and throughout the call that we were being recorded, so our entire conversation is on a call recording at Goldman Sachs.
|
| 01/23/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I needed to transfer money from my Marcus savings account to another account I own at different institution so I could request a cashiers check for a new car. My external account was already linked and verified to Marcus, and I have completed other transfers to this account from Marcus in the past. I called Marcus around XXXX ( XXXX ) on Friday, XX/XX/23. The representative took my instructions over the phone and submitted the request. Later that afternoon, the money had not arrived, so I called again just before XXXX ( XXXX ). The representative saw the request, but told me it was under review. She would not provide any additional information or identify any particular point of concern.
From Marcuss customer FAQs posted on the website : Your money should arrive the same business day if the transaction is requested before XXXX XXXX XXXX. If there's an issue verifying an account or with a PIN verification, it could take between 1 and 3 business days for your funds to arrive in the external account.
On Monday morning, XX/XX/23, the funds had still not arrived. I called Marcus again around XXXX ( XXXX ). I spoke to the representative, and she transferred me to her supervisor. Then the supervisor sent me to the Fraud Department. I learned there were two stages of reviews, and the first round was completed on Monday with no issues identified. And the second review was being expedited ( to be completed within 3 hours ). But there was still no information on why the first review was not completed on the same day that I submitted the instructions ( Friday ). As best I can tell, I submitted my wire instructions well in advance of the
same-day cutoff, and Marcus took no further action that day. Is the review team not equipped to handle the volume of daily requests? Or did Marcus decide to intentionally sit on the request to avoid having to disburse the funds ( and continue to receive a few days interest on the funds I needed access to )?
This whole experience has been incredibly disappointing. I was unable to pick up the car I was scheduled to purchase. Why is Marcus making it so difficult to access my own funds??
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am writing to formally dispute and bring to your attention the inaccurate and unauthorized information present on my credit report. Upon reviewing my credit history, I have discovered five delinquent trades, numerous installment delinquencies, and revolving delinquencies that I believe are erroneous and the result of unauthorized activities. I did not provide consent to these companies to run my credit or open any accounts in my name. Furthermore, the charges attributed to these companies are entirely unknown to me, and I have taken immediate action to address this matter.
The companies in question are as follows : XXXX XXXX XXXXXXXX ( unknown charges for products I did not order or receive ) XXXX ( unknown charges for products I did not order or receive ) Expansion XXXX XXXX XXXX I have made diligent efforts to contact each of these companies to rectify this situation and obtain more information about the unauthorized charges. I have kept records of all correspondence, including dates, times, and the names of representatives I spoke with. Unfortunately, my attempts to resolve this matter directly with these companies have not yielded satisfactory results, leaving me with no alternative but to seek your assistance.
I respectfully request that the Federal Trade Commission conducts a thorough investigation into these unauthorized charges and false reporting of delinquencies on my credit report. I understand the importance of accurate credit reporting and its impact on my financial well-being. These erroneous entries have adversely affected my creditworthiness and financial stability, potentially preventing me from accessing fair credit terms and opportunities.
Enclosed with this letter are copies of all relevant documents, including correspondence with the aforementioned companies, in support of my claim. I kindly ask for your prompt attention to this matter, as I am eager to resolve these discrepancies and restore the accuracy of my credit report.
Thank you for your time and consideration. I look forward to a timely resolution of this issue and appreciate your efforts in rectifying this situation.
|
| 01/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In working with Goldman Sachs who manage my Apple Credit Card, on the date of XX/XX/XXXX I submitted a credit card dispute for the amount of {$950.00} for a charge I was disputing for a hotel reservation at XXXX XXXX XXXX XXXX XXXX in XXXX, FL. I have been now filed XXXX disputes for the same credit card charge with Goldman Sachs that has XXXX through today 's date and I continue to get no where in a resolution that is fair and just.As of today I also filed a XXXX dispute for the hotel company XXXX XXXX as well.This was for initial reservation I booked back approx. XX/XX/XXXX and within 4 hrs later cancelled the hotel reservation and at the time I was assured would not be billed as long as the reservation was cancelled within 24 hrs. I twice called the XXXX XXXX location, once the corporate office number then the actual location and each time was assured the reservation was cancelled although they refused to provide any documentation confirming cancellation. Because of my concerns with this, I filed a CC dispute and Goldman and Sachs refuses to take the additional steps to do a complete review even though I provided documentation clearly reflecting that because I cancelled my initial reservation with XXXX XXXX, I proceeded forward to book another reservation for the same dates ( XXXX XXXX ) through XXXX for the XXXX XXXX XXXX XXXX Goldman Sachs is saying that the hotel mentioned that I would of needed to call the day of my check in hotel to be refunded which makes no sense since the initial cancellation process required to be cancelled within 24 hrs which means if I booked the hotel on XX/XX/XXXX and called the hotel to cancel on XX/XX/XXXX, that would of been outside of the required 24 hr policy to cancel the reservation and be fully refunded. Please help as I feel like I have no where else to turn to and I am adamant I did the right thing and followed all processes to cancel this reservation initially with XXXX Day that no one seems to have record of now. The 3 dispute numbers filed with Goldman & Sachs are : XXXX ( initially filed on XX/XX/XXXX ), XXXX, XXXX ( filed today for 3rd time XX/XX/XXXX )
|
| 04/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Older American |
|
I have been the holder of a Golman Sachs saving account for the past 4 years, with two certificate of deposits credited to the account.
Last month I was notified by Gollman Sachs that a XXXX credit card issued in my name, a card that I never requested nor possessed was transferred to XXXX Goldman Sachs, and a statement with a pending balance was sent to my address at XXXX XXXX XXXX. In XXXX South Carolina.
I immediately contacted GS customer services to notify the occurrence, and was assured that a mistake in the identity of the real owner of the card had occurred, and that is was been taken care of.
Last week I received another statement, for the same balance plus interest and fees, and I again spent two +hours with GS customer service trying to figure out how to resolve the issue.
It seems that GS customer services is not very effective at handling these issues, and they kept transferring my call numerous times, putting me on hold and repeatedly asking for the same information.
Again I was assured that the issue was resolved.
At the end of the call I went to my online account with GS, to discover that the credit card is now included in my savings account with XXXX GS, and that the balance and the related interest rates are being deducted from the balance of my certificates of deposit.
In addition, the 4 digits of the credit card linked to my account are XXXX, while the 4 digits of the card those statements I am receiving in the mail are XXXX. It appears the balance is the same on both cards.
I have no idea how Gollman Sachs could have included the ownership of a credit card I never ordered or possessed into my account. It seems their systems have been hacked, and their security ( and mine ) have been compromised. In addition, I have submitted an inquiry to their XXXX email address but I have not received any acknowledgment.
Given the seriousness of this situation, and the implication to GS reputation and my credit rating, I hope you would investigate it promptly and inform me of the status of your inquiry, since Goldman Sachs has not been able to take action or offer an explanation.
|
| 02/21/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
Opened a 12 month CD on XX/XX/XXXX and it was funded for {$5000.00} by a transfer from an external, verified by Marcus, savings account at XXXX XXXX. The funding occurred on XX/XX/XXXX and I saw the XXXX in my MarcuXXXX account that night. On XX/XX/XXXX I tried to log into my account to open a second CD. My account was locked. I spent hours on the phone with Marcus customer support people. They told me both my CD and my credit card had been closed, but for safety reasons they would not disclose why that happened. They refused to tell me how/when I would get my money back. I waited until the weekday, business hours to call again to get my money returned. Many hours of time with numerous reps who were totally unhelpful and frequently dropped my calls while I was on extensive holds. I was finally told my money would be returned to my external account in 8 to 10 business days. That never happened. On XX/XX/XXXX I called again and after more time, more hold etc I was told by XXXX my money would be returned in 1 to 3 business days. That never happened. On XX/XX/XXXX I again called and spent more time ( same story ) with XXXX who after many holds was able to help me. She said the money could not be returned because they could not verify my external account, the very same account they took the money from. At one point I was on a conference call with XXXX, XXXX, myself and a rep from XXXX to verify I was the owner of the account the money came from and was to be returned to. XXXX then verified some info, read me a legal paragraph basically confirming the amount, date of transfer etc. I then asked to speak to a supervisor and was transferred to XXXX. She confirmed XXXX had closed the account correctly and told me she would accelerate the XXXX return and I should check my account that night XX/XX/XXXX. Its now XX/XX/XXXX and I still do not have my money back.
I do not even care their reason to close the account. I simply want my money returned to me. I am closing my Credit Card with Marcus, and after the return of my CD money i will close my Marcus account. I want NOTHING to do with Marcus going forward
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
in XXXX and XX/XX/XXXX, the following companies reported late payments on my credit reports XXXX - XXXX GOLDMAN SACHS AND CO XXXX XXXX This company reported late payments on my account from XXXX - XX/XX/XXXX on my credit reports XXXX XXXX - XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Section F states Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID19 ) pandemic during the covered period.
( II ) Covered period The term covered period means the period beginning on January 31, 2020 and ending on the later of ( aa ) 120 days after XXXX XXXX XXXX XXXX or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XXXX XXXX XXXXXXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.
Therefore, these late payments should be removed from my credit report
|
| 05/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Dear CFPB, This message is in regards to complaint CFPB XXXX, which was wrongfully closed without the opportunity for me to respond.
I request Goldman immediately revoke their false credit reporting and to refund me the outstanding funds. Goldmans response shows definitively that they willfully and knowingly violated the FCBA ( Fair Credit Billing Act ).
First, Goldmans response here to the CFPB, and ONLY here in their response to the CFPB, includes a reason for they used to close the dispute as well as evidence they contacted the merchant. An examination of XXXX claims XXXX, XXXX, and XXXX, and all chats, phone calls, emails, and letters received by me from Goldman shows clearly no mention of this reason not evidence. In fact, XXXX claims XXXX, XXXX, and XXXX specifically request such evidence and reason. Goldman has therefore knowingly violated the FCBAs requirement of timely delivery of a reason and evidence for charge disputes.
Second, by Goldmans own admission in their CFPB response as well as in my communications with them on XX/XX/XXXX, I am not a debtor to Goldman. In fact, my account has never since XX/XX/XXXX been in debt and actually carried a net credit in my favor. Moreover, I have made several notifications to Goldman that the check they sent was never received, and Goldman was aware of the status of the check at the time they reported the account to credit bureaus. Therefore, Goldman has knowingly made a false claim under the FCBA of an overdue account.
Thirdly, I have previously made a report of Title VII discrimination to Goldman for their continuous stonewalling and harassing behavior towards me during my attempts to resolve this issue. Since Goldman has engaged, wrongfully, in debt collection activities when they knowingly had the funds in an uncashed check available to them, I am hereby making a new Title VII claim of discrimination : Goldman knowingly chose to engage in acts to harm my credit ( the wrongful report of debt ) when they actually had the contested funds and did so because of my last name and ethnicity.
Goldman must cure their violations of the FCBA.
|
| 03/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
In XXXX My loan was paid up to date after being behind for years. I'd asked when it would report to credit agencies and was told by the end of the month. By XXXX still nothing so I called back and was told they are reviewing now and will determine in 5 days when they can report. XXXX. Still nothing. So I called back and was told since I filed for bankruptcy in 2016 I needed an reaffirmation agreement completed in order for them to report to credit agencies. It didn't make much sense since I read mortgage companies are still responsible for reporting payments without this agreement.so I called back and was connected to another department that stated they are working on reporting my information now and should be on credit report soon. Still nothing. Then I get a letter today that states they have received my inquiry after careful review we have determined that the information is accurate as we are required by federal law to accurately report information contained in our records. We are unable to accommodate you request.if I can provide documentation that shows the account information on record is incorrect we can correct any inaccurate information within our system. All I wanted was my payments reported And they are not. So I called for clarification. The first rep was nice looked at my account and transferred me to another department but my call was disconnected so I called back. The second rep was so combative and put me on hold for 35 mins only to co.e back on to ask me to continue to hold. So I asked to be transfered. She said only if they are able to help you. ( then if they were not why was she holding ingredients on so long to speak ) anyway she put me back on hold and immediately came back and said I have someone to speak with you now. This woman asked me my name and quickly went to you filed for bankruptcy in 2016 and my reaffirmation agreement is for the wrong bankruptcy. I only ever had one bankruptcy XXXX and that was in 2016. She didn't want to explain just quickly get me off the phone. This is not asking for Mars to fit in my living room, just report my payments. Am I wrong.?
|
| 03/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I applied to the Apple Card by Goldman Sachs Bank. The following week right after I was approved I inquiry and requested my SCRA benefits being applied to this account since I am a military in XXXX XXXX since XX/XX/XXXX.
On XX/XX/XXXX I was denied the benefits, and their reasoning was that they only grant the benefits to service members that apply for the card before being ordered to XXXX XXXX. Basically since I applied for the card while being on XXXX XXXX I do not qualify. I sent my military orders and even a memorandum signed by my commanding officer stating that to the date of the request I was actively serving as a service member, because at first the military order alone wasnt enough for them. Which it makes no sense, they were asking for another military order on top of the one that I currently provided which that tells me that they dont know how a military order works ( My current military XXXX XXXX order runs until XXXX ). I never had this bad of an experience with another mayor bank. Currently I have the benefit applied to 3 other accounts in different banks and never had a issue.
After it was denied, I requested the policy that they used to disclose and determine who qualifies to the SCRA benefits. I requested the policy via email and by mail. They never replied. The information of the bank on the topic is very vague on the internet and out of the 3 times that I called no one could tell me what was their policy. They stated that a supervisor informed them that I was not qualified but could not provide the policy or regulations they guide themselves to this types of process. Still I am waiting for the document that discloses who and how any service member qualifies for this particular benefit and how they based their decisions.
To my understanding, the requirements to receive the SCRA benefit applied is only to provide a military order proving my current XXXX XXXX status. I would appreciate if you can help me to get to a resolution to this issue, weather it is a document informing the actual requirements or to actually get the benefit applied.
Thank you.
|
| 05/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Apple Card ( Goldman Sachs ) continues sending me statements with a balance that does not make sense, even after I closed the account and paid the amount that THEY told me was the total balance in full. In other words, the balance is more than the net sum of credits and debits. They seem to have messed up and installment purchase at the XXXX XXXX. In any case, even after paying the total final balance in full - more than I thought i owed -- they are still saying it's not done.
This started in XXXX and after I got a statement that was impossible to understand. The math didn't ' add up -- by their own admission. I talked to 3 different reps and none could solve it. After one call in XXXX that lasted 2 hours -- I finally agreed to pay of the entire thing including the installment purchase in full and close the account. Even though the total seemed too high and didn't make sense. I wanted to be done with it. So I sent payment on XX/XX/XXXX and the account was closed.
Now, 2 months later I am being sent emails saying I owe more. So today, Sunday, I spent 2 more hours on the phone with a rep. We went through transaction by transaction and it showed I had paid MORE than the total of my expenses. ( Each bill was paid in full each month - other than the 0 % interest installment purchase at the XXXX XXXX ). So this has nothing to do with accumulated interest charges. I paid the bill in full each month.
She was very helpful but even she couldn't figure it out. By her own admission it didn't make sense. She went to get a supervisor - and I end up on endless hold. And after another hour of waiting on the call, she never came back and abandoned the call. So no resolutions.
I would be willing to pay the balance they say I owe - {$130.00} if I thought it would go away and end the matter. But that is what I did in XXXX and that didn't work. I am quite sure that I could send the {$130.00} and next month I would be asked for more.
Goldman Sachs can not reconcile my statement to the sum of transactions and payments. I have no confidence in their ability to resolve this so I am looking for help.
|
| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Todays date is : XX/XX/XXXX Regarding Account : XXXX XXXX XXXX XXXX REQUESTED Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the above account with your company. This has damaged my XXXX XXXX and is extremely troubling.
Account Name : Account Number : Charge : Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am sure you are aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost.
You are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion.
Also, make sure late fees are accessed properly.
In this regard, I hereby request the following steps to remedy this situation.
To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account.
XXXX requiring written evidence for all the payment you claim that I was late according to my obligations with your company.
XXXX seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date.
If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRA as they were submitted e.g. XXXX, XXXX and XXXX, and any others.
If I have not received this itemized documentation within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report.
XXXX thanking you in advance for attending to my requests promptly To verify my Identity and my address, I am enclosing copies of identifying documents.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
|
| 11/30/2023 |
Yes |
- Credit card
- Store credit card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Servicemember |
|
i opened an Apple credit card on XX/XX/2023. During the time frame of XXXX XXXX i purchased XXXX XXXX XXXX XXXX, and XXXX XXXX screen protectors using the Apple credit card. the Purchase of the XXXX XXXX earned {$100.00} in cash back. The cash back was transferred to the Apple Cash feature that can only be accessed through the icloud account linked to the Apple credit card. As a result of the 3 iphone purchases over 3 day period my icloud ( that has my apple credit card and apple cash rewards linked to ) was flagged for suspicious activity and the icloud account became inactive locking access to the rewards and apple credit card. As a result of this i decided to return all the devices and close the credit card since i no longer have access to the account through the icloud. After i successfully returned all the items. i contacted apple credit card to verify my accounint balance and the apple card representative informed me that i had a balance of {$100.00} that they payed out to Apple cash in cash back rewards. So i contacted apple cash support and i was told by the representative that this is a behind the seen issue and that they have no way to access the account and return the reward funds leaving me with a debt of {$100.00}. in the end i opened a apple card, made a purchase, returned everything and still have a balance on the Apple card. For a XXXX dollar corporation to treat their customers like this is a complete joke. All i wanted to do was take advantage of financing for XXXX phones using the Apple card for me, my wife and my daughter. Its not just the {$100.00}. its also the countless hours i have been bounced around from department after department with the same results that no one can help and only a person from behind the scenes can help and no one is able to talk with them. the night of sleep i lost and all the gas and miles i put on my vehicle picking up and then returning everything. Apple is by far the worse customer support i have ever dealt with. i hope this message will help open the eyes of others and that they dont experience what me and my family went through.
|
| 05/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Dear CFPB, I am writing to file a complaint against Goldman Sachs regarding their arrogant, unreasonable, and unlawful practices regarding my credit card and saving account.
Recently, I applied for a Goldman Sachs credit card through Apple and also opened a saving account. When I attempted to withdraw cash back from this card, I discovered that the card was issued in the name of XXXX XXXX, while my legal name, as stated on all my identification documents and XXXX XXXX records, is XXXX XXXX. Consequently, I am unable to make withdrawals.
I have made numerous attempts to contact Goldman Sachs to resolve this issue, but they continuously transfer me from one customer service representative to another.
I explicitly pointed out that the problem lies with Goldman Sachs using a name that has no legal basis to open my bank account. I spent a considerable amount of time proving this by calling my bank, XXXX. I fail to understand why Goldman Sachs can not simply change the name on my credit card to my legal name.
When I was transferred to another bank representative, they informed me that if I wanted to change the name, I would need to provide court documents as proof.
I am utterly perplexed. It is clear that Goldman Sachs made the error in my name, yet they expect me to provide court evidence. All my legal documents, such as my U.S. driver 's license and Social Security Number, bear the name XXXX XXXX. How can I provide court evidence to change my name to XXXX XXXX?
The actions of this bank are not only arrogant but also illegal. They have allowed me to deposit money into an account with a name that lacks any legal supporting documentation. Furthermore, they unreasonably demand that I provide court documents.
I urge the relevant authorities to closely monitor Goldman Sachs. They attract funds with high interest rates of 4.15 % while maintaining chaotic management. Such circumstances often lead to misappropriation of funds. For the safety of the U.S. financial system and the security of all small clients, it is crucial to expose this menace.
Thank you.
Sincerely, XXXX XXXX
|
| 12/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Urgent : Unjust Account Lockdown and Impending Tuition Deadline On XX/XX/2023, my account was inexplicably locked without any prior notice or apparent reason. This has put me in a precarious situation, especially given the imminent deadline for my XXXX XXXXXXXX tuition fee payment. As an XXXX student, this payment is crucial for both my academic pursuits and maintaining my legal status in the United States.
My total online savings balance, approximately {$51000.00}, is currently inaccessible due to the account lock. Despite numerous attempts to seek assistance from Marcus customer service, the responses received thus far have been unhelpful and lacking in clarity.
Upon initially opening my account, I diligently provided my citizenship information and Social Security Number, as required. However, I am now being told that additional verification, such as a U.S. driver 's license or state notarized forms, is needed. I inquired about the sufficiency of my passport for verification, as your website indicates that any passport is an acceptable form of identification. Surprisingly, the customer service team has insisted on conducting further reviews and has denied the acceptability of my passport.
The implications of this account lock are severe, as I am unable to fulfill my financial obligations for the approaching tuition deadline. My education, career, and overall life trajectory are at stake due to the hindrance caused by Marcus ' decision to lock my access to funds rightfully owned by me.
If Marcus has a policy of not conducting business with non-U.S. citizens or international students, it should have been transparently communicated during the account opening process. Taking my money and subsequently locking my account without reasonable cause creates an appearance of fraudulent activity.
I urgently request your immediate attention and resolution to unlock my account, allowing me to proceed with the necessary tuition payment. Your cooperation in swiftly addressing this matter is paramount to ensuring the continuity of my education and legal status in the United States.
|
| 12/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Prev complaint XXXX Unacceptable response! The merchant and construction company did not contest the dispute, and accepted it on their end to promptly return my funds to my credit card and to resolve the dispute in my favor. The email and screenshots of this was submitted. I also called merchant directly to confirm this and advised Goldman to do the same. This was never done. Then Goldman closed out the original dispute stating that I said to close this out, in which I did not. Now they are dragging this along, accept for owning responsibility for their error and not resolving this dispute in my favor thus returning my money to me since the merchant sent the response stating this is in my favor. Completely unacceptable. Goldman Sachs needs to connect me directly with merchant on the line, so that we can clear this up. Apparently the emails and screenshots have not been reviewed by Goldman to see that the merchant resolved this in my favor. Thus Goldman is holding these funds on hold where they should have returned it to me and resolve this dispute in my favor.
I filed a dispute thru my Apple Card for a charge from XXXX on XX/XX/23 in the amount of {$8200.00}. The dispute reached the merchant XXXX immediately, in which their client XXXX XXXX did not contest the dispute and agreed to return the funds to my credit card. This was acknowledged on XX/XX/XXXX per the attached email trace between XXXX and XXXX Risk Operations. This email was furnished to me directly from XXXX client XXXX XXXX To date, Goldman Sachs - Apple Card has not resolved the dispute in my favor and provided a permanent credit of this amount per above. After placing serval calls to Goldman to check the dispute status, everyone has told me that there has been no updates from XXXX on this dispute, however this is incorrect. The funds should have immediately been returned to my credit card as per above. XXXX attached email from me contacting XXXX on XX/XX/23 confirming that they returned the {$8200.00} to Goldman Sachs Apple Card to m return to my account, yet Apple Card has not done this. Where is my money????
|
| 05/22/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I tried to make a transfer from my Marcus account to another bank that was offering a higher APY. Marcus locked my account when I initiated this transfer. I called to find out the issue and kept being hung up on. I finally spoke to a supervisor, and they said they would send me an affidavit to verify my identity. I received the affidavit two weeks later and got it notarized virtually using an app called XXXX that charged {$25.00} for a virtual service. I could not physically make it into a store to notarize because my husband works and uses the car, plus I have XXXX babies to take care of. After I got the affidavit notarized, I paid {$30.00} for certified mail so they could receive it the next day. My tracking receipt shows they received the form on XX/XX/2023.
When I called to confirm, they said it was under review and would take seven business days to review. I called back on XX/XX/2023, and was on hold for three hours. Then the representative said it was notarized by someone in Texas and needed to be done in North Carolina, where I reside. I told her I paid {$25.00} for a virtual video service to get this done. Hence, people work from virtually anywhere to help get documents notarized asap if they can not physically make it to a location. She said they would be sending out another form so it could be done in NC. I then asked to close my account. After all, I am no longer interested in banking with a bank holding my money hostage for over a month, all because I wanted to transfer some of my funds. She said she would send a code to the phone number I have on file to close the account. The code never came, and she asked if I had an alternate number. I told her I only use one number on my account and have not had issues using this number in the past for my account. She put me on hold for another hour and said my account was in review to be closed, but I will need to call back for updates. This has been the worst banking experience I have ever encountered, and I would like to close this account asap. They are holding onto my money and will not let me access or close my account.
|
| 01/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Wrong amount charged or received
|
|
Web |
Older American |
|
I have contacted Apple/ Goldman Sachs many times over in the last two months to solve a problem I have with a bank transfer from XXXX XXXX Apple .
XX/XX/XXXX I attempted to complete a bank transfer from XXXX to my Apple account to lower my interest from 16 % to 0 % for 18 months.
The bank transfer was shown as completed on my XXXX XXXX XXXX Credit Card # XXXX for a {$2000.00} debit.
The debit to my Apple Card did not happen so I called Apple ( as XXXX suggested ) and was told that they dont accept Balance transfers???? Okay, well then I thought that the {$2000.00} would then be credited back to my XXXX account.
This attempt to transfer was on XX/XX/XXXX. I have filed 2 disputes with Apple and XXXX. Both banks returned the disputes accusing the other for the problem! XXXX says that Apple received the $ $ $ while Apple says that they never cashed the $ $ when they received it from XXXX Its been two months Ive been waiting for a resolution. Seriously, it is XXXX. Am I to assume banks cant work together, for the consumer, in solving what I consider a pretty easy dispute. Am I just supposed to roll over and say forget it? Im retired and really dont have that luxury.
I understood, by my misguided knowledge of banking, that the money {$2000.00} that was debited on my card would be a credit on or near XX/XX/XXXX when it was denied. It really doesnt matter in this case that there was Proof of Payment but WAS THE PAYMENT ACCEPTED. It was not.
I have documentation of phone calls since early XXXX to billing disputes that total XXXX minutes that I can verify by our carrier XXXX.
The situation that needs to be settled is : Who has the {$2000.00}. XXXX or Apple?
Who cashed it or didnt cash it where is it now? My XXXX credit card is showing a {$2000.00} debit, I NEED for these two banks to figure it out.
I have also filed a dispute with the FDIC, as well. I will file publicly on XXXX and any other high profile website or other social media if I need to.
What further action do I need to do to settle this?
Please respond with acknowledgement of this email.
XXXX XXXX XXXX
|
| 10/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I received a loan from Marcus ( Goldman Sachs XXXX in XX/XX/XXXX. In XXXX of XXXX I reached out to explain I switched banks and was making a manual payment. They explained that they thought everything looked ok. In XXXX and XX/XX/XXXX I reached out a number of times to further explain 2 basic things - I changed bank accounts to debit for loan payment, and that I was out of town caring for my mother who fell ill and is XXXX years old. I was told everything was fine and they couldn't determine the actual due date vs if a payment was late but everything " looked fine on their end '' I was told. I made manual payments but in XX/XX/XXXX I was alerted that XXXX had reported my payments as 30 days late for both XXXX and XX/XX/XXXX. I have never been late and according to the information I received from XXXX directly I was not late in making those two payments.
They updated my credit and then late payments were removed. On XX/XX/XXXX I was alerted by my credit report tracking that I was now being reported 30 days late twice back from XXXX and XX/XX/XXXX on XXXX. Further more I am being reported 60 days late twice for XXXX and XX/XX/XXXX on XXXX. The mis information I feel only reflects the inability to keep the story straight on XXXX ' end. I am not sure what the issue is but I reached out to explain directly to the executive offices immediately when I was aware of the reporting, and asked why am I being reported late where there was obvious mis information provided to me back in XXXX and XX/XX/XXXX that indicated to me there were no 30 day late payments. Let alone 60 day lates.
In XX/XX/XXXX I applied to refinance my home mortgage with XXXX Fico scores. On XX/XX/XXXX my scores dropped to XXXX XXXX because of the wrong information Marcus by Goldman Sachs reported. And they are reporting different information to XXXX ( 60 days late 2x ) vs XXXX ( 30 days late 2x ). When I was according to their own customer service department not late ever. I have perfect credit before and after this incident and looking for some assistance in getting this cleared up as soon as possible. Thank you
|
| 06/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Goldman Sachs Apple Credit Card & Apple Installment Sale : I received a {$10000.00} refund from XXXX XXXX University on XX/XX/XXXX. At the time of the refund, I had a {$4000.00} balance on my credit card from previous purchases. {$4000.00} of the refund was applied to my credit card balance. ( I am ok with this ) Separately, I also had two installment purchases from Apple, also through Goldman Sachs. Both installment sales were 12 month 0 % interest. The first installment sale was from XX/XX/XXXX ( XXXX XXXX ) and had a balance of {$420.00} remaining. The second was from a XX/XX/XXXX for a XXXX XXXX and had a balance of {$3200.00} remaining.
I spoke with Goldman Sachs on XX/XX/XXXX and requested a full refund and cash return for the {$10000.00}. I was originally told I would receive it.
On XX/XX/XXXX, I only received {$1700.00} credit reversal to may account. {$4000.00} was applied to my credit card ( I am not disputing this ) The remainder refund balance has been put on hold and will not be returned to me. I have spoke to Goldman Sachs on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I have been told that because I have two installment balances, the excess from my XXXX XXXX University refund will be held for the remainder of the life of the installment sales and will be applied against my installment balances monthly. I have been told that this is in the credit card agreement.
regardless if this is in the agreement, this is an unfair business practice! My refund from XXXX University was absolutely unrelated to the installment sales of the both apple products. As well, I used my card to pay XXXX XXXX University. And then promptly paid off the balance on my card from that transaction.
I was told 5 times by the Goldman Sachs reps, Supervisors and Manager that they have had several complaints about this practice.
I am seeking a refund of {$3700.00} from Goldman, which represents my remainder balance from Goldman Sachs {$10000.00} refund and equals the balance of the XXXX and XXXX XXXX installment balances.
the number to reach Goldman Sachs is XXXX
|
| 10/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I made a purchase at XXXX for 2 bikes on XX/XX/2020. I used my Apple Credit Card. I never received the merchandise and have disputed the charge 6 times over the last 6 months with Goldman Sachs ( who issues the Apple Credit Card I used to make the purchase ). I go into an endless loop when trying to resolve it with them : - I dispute the transaction. I never received the merchandise from this merchant.
- Apple Card agent files a report and credits the transaction fee temporarily - A few weeks later I get the letter forwarded below that says The merchant provided sufficient evidence that you made the purchase- I call to get the information provided expecting a tracking number or some other form that evidence that the merchandise was shipped and received ( which I know doesnt exist as I never received the merchandise ).
- The agent always replies with- well it doesnt really show that we received anything from the merchant - I will refile your dispute.
- A few weeks later I get the letter forwarded below that says The merchant provided sufficient evidence that you made the purchase I ordered this merchandise on XX/XX/2020. So as you can see I have been dealing with this for over a YEAR! I have filed no less than 5-6 disputes. I have requested information about the evidence the merchant provided over 5-6 times. I never get anything. I have tried to contact the merchant multiple times through phone calls and letters over the last year. I never get a response- so I know that agent/ team isnt getting one either. Yet the letter keeps saying The merchant provided sufficient evidence that you made the purchase. This just isnt true and is a fraudulent claim. I made the purchase - I told them that- not the merchant. I never received the merchandise and I believe the merchant went out of business during the year of COVID. I gave the merchant ample time to deliver before filing the dispute as I assumed Covid was delaying shipments. However, the merchandise never arrived and now I have found other merchandise to take its place. I cancelled the order for non-receipt about 6 months ago.
|
| 05/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2023, I successfully withdrew {$1700.00} from this savings account to my personal checking.
On XX/XX/2023, I tried withdrawing {$4000.00}. The amount was deducted from my available balance and shows on my account as " In Progress, '' has remained as such for over 10 days now. The account says withdrawals should take 1-3 business days, but this is taking much longer.
On XX/XX/2023, I missed a call from Goldman Sachs. They didn't give any details except to call them back. I called them back later that day, and the agent couldn't tell me what the missed call was about. I asked about the {$4000.00} withdrawal still showing pending, and I was transferred 3 times over 30 minutes before I was told that they need to verify my identity before they can release the funds. They then said they couldn't send a verification PIN to my phone because their system says my phone is inactive, even though I'm currently speaking to them on that same phone. They said they'll submit an internal request to review the transaction and the call ended.
On XX/XX/2023, I called support again. I was on the phone with them for 14 minutes, and then they dropped the call. I called again, was transferred yet again, and this time they said the withdrawal is on hold due to security review, even though I received no notice and it doesn't show as such on my end. Once again, they said they need to verify my identity via one-time phone PIN, and then said they can't because my number is inactive, even though - again - I'm calling on that same phone. I asked if there's any other way to verify and they said no. They said to call XXXX XXXX XXXX to make my number active, even though I'm literally speaking to them on the same phone, and have had no issues with one-time code messages in the past. Again, they said they'll have to do a manual review. They said it can take 24-48 hours, and they may decide to deny the withdrawal.
Meanwhile there is nothing I can do, and presumably the money I withdrew isn't accumulating interest, nor do I have access to it, with no reasonable way to solve the problem.
|
| 01/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I wanted the card to get the six percent rewards on Apple products for holiday. I sent in all of my information the application requested via my XXXX, I removed the freeze from my credit report and included my drivers license ( front and back ) showing my current address. I was approved for the credit card with a {$15000.00} credit limit. I ordered the physical card which was received and activated. I used the mobile pay to make purchases at XXXX, a vending machine, XXXX, Apple Services, XXXX XXXX and XXXX XXXX XXXX totally {$41.00}. I paid the account immediately, I dont like to carry balances. These purchases were made XX/XX/XXXX - XX/XX/XXXX when for no apparent reason my account was restricted and placed under review. I contacted Goldman Sachs numerous times since then, on one occasion I was asked a series of identifying questions regarding my car color, boat length and the city of my alma mater ( which was not listed ). I even sent pictures of my XXXX XXXX XXXX and my XXXX XXXX XXXX. I noticed that they pulled my credit report resulting in a hard inquiry which remains on my report for two years. They finally reported to XXXX the account in XXXX ( a full two months after the account was opened ). They reported I had a {$10.00} balance and to date there have been no updates. I do not have any balance. They are pulling credit, lowering scores doing so, they then restrict the account and their response to the inquiry is, After looking into the account I show that it is currently under review and we will be reaching out once the review is complete. This is now XXXX and still nothing. They are damaging my credit with an account that is not usable, with outdated information and sporadic reporting. They are not providing ANY information on timeframe to resolution, or, for that matter, simply no information at all. I was unable to get the six percent rewards back for my Apple holiday purchases. I feel they are scamming people for information, damaging consumers credit and simply not doing what one would expect from a credit card provider. Its all some sort of scam.
|
| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have tried several times to have Greensky correct my account as they listed XXXX, XXXX, and XXXX as each being 30 days late each. There could not be 3, 30 day late payments in a row. ( 3 inaccurate mark ) {$1000.00} fine each.
Also, as per 15 us code 1681s-2 ( f ) in which is found on the CFPB website, If Greensky made an accommodation, in which they did, they waived fees on my account due to covid. Since my account was in good standing at the time of the accommodation my entire account was to be update to paid as agreed so there should be no late payments on this account and should show current anyway.
I sent an email as per their supervisor XXXX on XX/XX/2023 advising to list my credit disputes. The email also had a letter outlining in more detail of the law and what I was disputing. The email was sent on XX/XX/2023 to XXXX. Greensky failed to add remarks to show " customer dispute '' ( 2nd inaccuracy ) {$1000.00} fine. Not only that, they failed to even respond to my dispute of the inaccuracies, and they failed to mark any of my credit reports as disputed as per 611 - 15 U.S.C. 1681i ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. this is another fine of {$1000.00} Lastly, Greesky willing allowed my account to stay inaccurate all this time and has failed to keep my credit accounts accurate as my score depends on this information being true. My score has gone down with all this inaccurate unverified info. They have continued to show an open account with a balance of over {$21000.00} which is ruining my debt to income ration even thought the account has been paid since XX/XX/2023. I can't apply for loans that I need because I this. This is a serious violation as my account is not accurate. This is another violation and {$1000.00} fine.
total of {$6000.00} in remedy I am due.
|
| 09/12/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I first tried to open an online savings account with Marcus by Goldman Sachs on XX/XX/2022 around XXXX XXXX. They requested that I need to call them up for further clarification. On the call, I was informed that my application to open an account was declined but the representative refused to give me a reason why the account was declined. They asked me to try calling them again in their normal working hours and maybe I could get some more information on the reason of rejection.
I called them again on the morning of XX/XX/2022 at XXXX XXXX, but I had lost my application reference ID from last night since I accidentally closed the tab. I asked the representative my next steps, and asked if they could do a manual evaluation. They asked me to do a telephonic application which would then be followed by the manual evaluation. I provided all the information to them, and during the evaluation, I was declined once again and once again, I was refused any information on why my application was declined due to " security reasons ''. I asked if they use XXXX or XXXX XXXX XXXX to verify my identity so that I can fix any errors on my file with them. Once again, I was refused any information on this matter. I believe it is a federal right for banks to disclose the reason for declining to open an account, and I understand that maybe they could not have done that over the phone. Hence, I am writing this application to try to obtain the information via proper channels.
I understand that under the Patriot Act, it is now more difficult for foreigners to open bank accounts. I am a citizen of XXXX and I have a valid passport along with all other documents. I would like to point out that I was never asked for a copy of my passport, lease agreement, utility bill, or any such document to further verify my identity. I am more than happy to furnish more information.
Please let me know my further steps in this regard. I simply wish to keep my money in a savings account, and I would like to know if there are any errors on any of my reports so that I can fix it in the appropriate place.
|
| 12/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased items on XX/XX/2020 online with XXXX XXXX. Merchant stated item would be sent out within a week. Cancellation can be requested if they do not ship out within 25 days. On XX/XX/2020 I emailed merchant requesting cancellation since 25 days had elapsed. They did not respond or acknowledge my request for cancellation. On XX/XX/2020 the items were received by me, which I did not want at that time. I emailed merchant, again no reply. I contacted Apple Card to open a dispute, and Apple Card told me that they would not open a dispute unless I send the merchandise back. So on XX/XX/2020 I sent the items back to the merchant, and they were received on XX/XX/2020. At this point Apple Card was investigating my dispute, but 2 months later aided with the merchant with the decision that I had made the purchase. I reopened my dispute, stating I had cancelled my order, returned the merchandise per Apple Cards guideline for opening a dispute, and at this point I just want me money back. Per the merchants website, refunds are not given unless the stated shipping time has elapsed ( 25 days ) or you have received the product ( which was almost 2 months ). Also per their website, they wont refund purchase unless its within 30 days, which is completely ridiculous since they dont plan on sending merchandise until at least 25 days after order date. I have already filed a complaint with the New York XXXX against this company, and last I checked their website is no longer active. Apple Card has repeatedly sided with the merchant, refusing to acknowledge the deceptive shipping/refund policy of the vender, as well as the fact that I tried in good faith to cancel my order per the websites stated shipping policy. Instead, Apple Card insists I made the purchase, and they also insisted I return the merchandise before they would even consider opening a claim for my dispute. So I feel like Im being mislead and treated unfairly. Im tired of dealing with this matter and having the same decision even though I have returned the merchandise and tried to work within all stated policies.
|
| 05/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
- [ ] On XX/XX/XXXX I made a purchase at XXXX using the secured payment method of XXXX. My total purchase was for {$3500.00}. My item was set to be delivered by XXXX however I was not available for the deliver so my package was marked as Undeliverable and returned back and to the sender on XX/XX/XXXX at XXXX am. I was supposed to be issued a refund of {$3500.00} to my XXXX account. I waited until XX/XX/XXXX and since I still hadnt received my refund I opened a dispute with Apple Card Goldman Sachs, they initiated a dispute with XXXX. Then on XX/XX/XXXX I received a credit of {$240.00} which I was confused about because this is not the amount of my dispute which is {$3500.00} When I spoke to a XXXX over the phone they told me that they seen I had been refunded from XXXX on XX/XX/XXXX in the amount of {$3300.00}. However this is a refund for a returned item that I purchased on XX/XX/XXXX using my actual Apple Card number, not XXXX. I was confused as to why they would think that this had anything to do with my initial dispute of {$3500.00} from a transaction that I made using XXXX. If I make a purchase and received a refund it will be refunded via XXXX. Apple Card Goldman Sachs exclaimed that they made a mistake and put in another dispute to correct the amount owed to me with the subtraction of the {$240.00} that I was credited on XX/XX/XXXX. However most recently on XX/XX/XXXX I was charged {$3300.00} onto my available balance. So I still do not have my refund for this item that I never received and was returned back to XXXX. Once again they have filed another dispute for the amount of {$3300.00} on XX/XX/XXXX. I do not believe this issue should take this long. I have provided all necessary XXXX tracking information as well as all of my transactions to show that I should be refunded, but somehow I keep going in circles over and over again. This is a very poor level of customer services from the mistakes made and not paying attention to detail. I do not understand why this company is confusing a XXXX transaction with a transaction that is separate from XXXX.
|
| 10/07/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Hello, I have a savings account with Marcus and the account was locked without notice in writing or phone call over the connection to another bank. The company failed to follow procedures correctly as the account was confirmed via XXXX as a Personal Account. This was done on XX/XX/XXXX - the representative asked for me to call them back but did not indicate the account was locked nor indicate an urgency in the message. When I called them back on the XXXX, the representative was not aware of the reason to the call, did not inform me of any issues on the account and could not give me a timeline when the rep who sent me the email would be available.
I informed the rep that I did not have unlimited time to wait and expected a direct call back or email, none of which happened. There was no notice that my scheduled credit card payment would not be made. The payment to my XXXX Credit Card at XXXX Bank was declined result in a late fee of {$29.00} and Finance Charge of {$3.00}. The company refused to accept any form of written evidence of the charges and made me take time over the phone to verbally detail each item. I then received another call ( t XX/XX/22 ) to call them back and then learn verbally that finance fee reimbursement was denied behind reasoning that was flawed and continued their non-transparency in dealing with me. I am expecting a refund of my fees paid to XXXX in the amount of XXXX to be reimbursed by Marcus for non-communication. I have attached the credit card statement with fees and the returned payment confirmation. The company made no effort to fix this matter and made no disclosure of a closure despite the fact that I was in full compliance- even their email to me indicated a request for a call back without time frame and did not indicate that the account was not sending funds. They did not communicate in an open and transparent matter and did not trust their technology to verify the legitimacy of my accounts, leading to the financial penalty that I incurred. I have attached a copy of the fees incurred as a result of Marcus ' actions...
|
| 03/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
I purchased several items from Apple using the Apple Card in XX/XX/XXXX. While my bill was {$4400.00}, I elected to pay the full amount immediately. Using the XXXX XXXX app, I changed the automatic payment from the amount due to the full amount prior to the XX/XX/XXXX due date. On XX/XX/XXXX, I noticed in my account that both the full amount of {$9700.00} and the auto payment of {$4400.00} where withdrawn from my account.
On XX/XX/XXXX, I contacted Apple/Goldman Sachs to have this reversed. I was informed that the payment will " take a couple of days to have the payment refunded. '' On XXXX, I contacted Apple/Goldman Sachs again for a status update. This time I was informed that the payment refund is in dispute and would typically be refunded within 10 days but could take up to 30. I was referred to my bank to have the payment cancelled.
I requested an escalation due to the conflicting information and was provided with case number XXXX.
There is no information available to me on the status of the refund. Apple/Goldman Sachs refused to provide documentation on the status of the payment reversal, that it is now a payment dispute, the status of the payment dispute, or any timeline ( particularly since it exceeds their own recommended timeline for resolution ). The Apple wallet app doesn't not show any history of the money in question. My balance doesn't reflect the over payment and I don't have documentation of the dispute outside of a messages chat.
As documentation, I've included screenshots of the app : XXXX XXXX shows the page of the current amount due {$2.00}. You can slide the button to the current balance {$72.00} ( IMG XXXX ). Selecting pay later provides the date to pay that amount ( IMG XXXX ). Upon selecting the date, you are brought back to the home page ( IMG XXXX ) showing the upcoming payment. It is only if you select the XXXX dot button in the top corner that you see that the original auto payment was not changed and you are now scheduled for an overpayment of the bill PLUS the full amount that you have just scheduled ( IMG XXXX ).
|
| 05/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I received a notification on my phone on XX/XX/XXXX about a transaction of {$630.00} from a merchant called XXXX XXXX and I reported it 9 minutes later. I also requested a new card number 30 minutes later after the transaction because I felt that the card information might be compromised. In addition, I never shared my card number with anyone in my household. I never received any product from the merchant either. Furthermore, the merchant XXXX XXXX is a local company based on XXXX, TX and I'm located in XXXX XXXX, TX and that is XXXX miles away. I contacted the merchant via phone call on XX/XX/XXXX because the website does not have an email address for support/customer service. Store representative told me that they dont have records of the purchase and he added that the store was closed from XX/XX/XXXX to XX/XX/XXXX because of the XXXX of XXXX holiday. I asked the representative for an email so I can email them and have a written confirmation ; however, he said that he can't give me his email address. That being said, I can't have an email from the merchant because he is not willing to provide me with an email or send me a letter. I also reviewed the documentation received on my mail by Apple Card/Goldman Sachs and the documentation is not legible. It looks really blurry and I can't even see exactly what it says. The little details I was able to understand is that the documentation from the merchant is actually provided by XXXX and not from XXXX XXXX. I feel like I'm stuck because Apple Card/Goldman Sachs asks for documentation but I don't have too much to provide because the merchant is not willing to help. Twice before I have spoken to supervisors with Apple Card Support. I have disputed the transaction XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) with apple card/Goldman Sachs and the transaction has not been resolved in my favor. In addition, I paid all my balance except the transaction in question of {$630.00} and then cancel my credit account with Apple Card/Goldman Sachs because I'm no willing to pay a charge I didn't make.
|
| 03/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On the evening of Friday XX/XX/XXXX fraudulent charges totaling {$7300.00} were made on my Apple Card issued by XXXX XXXX. This was part of a larger identity theft that impacted my XXXX card, a business XXXX XXXX card, two XXXX Bank credit cards and two XXXX Bank checking accounts plus stole all of my Apple Cash.
All of these other accounts quickly and efficiently closed accounts, blocked fraudulent charges and were a pleasure to work with.
Not so Apple Card.
I contacted Apple Card customer service twice on Saturday XX/XX/XXXX. The customer service person said the XXXX XXXX XXXX department was already involved and that my account would be locked and closed. They promised someone would get back to me.
After not hearing anything I called again on XX/XX/XXXX. I was told that a problem had occurred but this time they would mark the transactions as fraud and get back to me.
Again there was no contact and another call was made on XX/XX/2022. The customer service person my wife and I talked to today was very helpful but we were surprised to find that apparently none of the charges were flagged as fraudulent despite having called into Apple Card support multiple times in XXXX.
At this time I read the fine print on my statement and sent a certified letter contesting the charges as fraudulent and demanding the account be closed. I have tracking proof of delivery from US Postal Service that this letter was delivered on XX/XX/2022.
Nothing happened.
Also on XX/XX/2022 I mailed a separate letter with a check for {$420.00} which covered my legitimate charges for the month of XXXX. That check was promptly cashed.
Apple Card is now trying to bill us for the {$7300.00} in fraudulent charges claiming they have no record of multiple phone calls and a certified letter. We have talked to them every day so far in XXXX with no change and every person we talk to says they see no record of us ever having called.
In the attached statement every charge after the {$26.00} at XXXX XXXX XXXX is fraudulent and was not made by me or any other authorized user.
|
| 11/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
I have been arguing with apple card support for months now on these charges i have gone round and round no one at apple card nows what they are doing if i dint get my money back im going to sue them report them ro BBB and attornet general There are three charges that i dispuited XXXX market place for XXXX i spoke with a rep at apple two weeks and we disguessed this. The merchanet gave me refunds for the amounts of {$110.00} {$33.00} $ {$40.00} {$20.00} which adds upto {$210.00} .i sent back all of the merchandise which i upload tracking numbers showing this severall times. When i spoke with an apple rep two weeks ago told them this and he said to upload documents and rracking with i did. I get a message this morning saying that the charges will remain on my account i message in and get a nasty person that refused to listen to me and would not re open the dispuite. They are trying to fraud me of my money. I sent the whole entier order back and have uploaded documentation severall times it seems no one at apple card knows what they are doing. I have gone back and forth for months on this issue. I messaged in through there app severall times and finally spoke with someine two qeeks ago that said i had been given a partial refund and to uplod the documents to get a full refund i did that and they are stil giving me a hard time. The second charge of {$170.00} from XXXX again i returned all the merchandise and was told by apple card that the merchant gave me a refund but on my statement it shows merchant denied it. I am owed that money cause i returned all the mefchandise and sent tracking number. The third charge of {$180.00} from home depot i placed an order which home depot cancelled due to shorteges and iteams being out of stock. They never shipped the merchandise so i have nothing to return to them. They stated that they gave me a refund but never did. I want to make sure that this is understood. i placed another order from Home Depot for the samething and ended up making returns which they did refund me. But to be clear thats not the same order.
|
| 08/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
Dear CFPB, XXXX XXXX sold it's XXXX Card credit card relationship to Marcus ( Goldman Sachs ) in early XXXX. While the transition commenced after closing in XX/XX/XXXX, I did not actually receive my new credit card until XX/XX/XXXX. During this timeframe, valid charges and payments were made using my old XXXX XXXX card and ACH payments through our bank ( XXXX XXXX ) were sent to XXXX XXXX, which forwarded the payments to Marcus.
A balance of {$3300.00} for two valid transactions was due in XX/XX/XXXX. This balance was subsequently paid three times ( {$3300.00} on XXXX, {$4000.00} on XXXX and {$3300.00} through two ACH transactions and one EFT directly from XXXX XXXX ). These payments were made through multiple means to ensure receipt by Marcus as their po box on our XXXX ACH payment through XXXX XXXX was inaccurate.
Marcus then returned {$7000.00} on XX/XX/XXXX via check and reversed the third payment in the amount of {$3300.00} resulting in a payment due of {$3300.00}. Marcus then levied a {$48.00} interest fee and {$29.00} late payment fee on our account, despite being paid three times the amount due.
Upon receiving our XXXX statement, I noticed additional fees for the amount due and that the payments were never accepted. I immediately contacted Marcus to inquire about why they returned our payments and then charged us fees and interest. I also sent a personal check in the amount of {$3300.00} to cover the outstanding valid balance which posted on XX/XX/XXXX. I have filed two complaints requesting reimbursement of the fees ( {$77.00} ), but they have been rejected for no apparent reason.
This behavior is clearly inconsistent with Goldman Sachs values and a means of generating fees and interest. Transition errors, delays and inability to deliver statements should not be used as a basis for charging fees and interest on customers with clean payment histories. I recommend that the CFPB take immediate action to investigate this matter and any other similar situations for XXXX Card customers that have experienced similar irregularities.
|
| 06/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I had an XXXX XXXX, issued by Goldman Sachs. XXXX account was hacked and had fraudulent purchases. I had to spend 5+ hours on the phone with apple and gs to try to get the account closed and the charges voided. I was told initially the account is closed and theyll be following up over email for payment. 5 days later when nothing happened I called back and they were not even able to find my case. I tried to close the account again and make the payment and was assured it was closed. After a few more calls/weeks with the same story, I found out my account wasn't even closed and I was being charged a hefty level of interest on this. Still no way to make the payment other than over the phone, which I do not feel secure about.
About a month later, I finally received confirmation the account was closed. When it came time for payment, I wanted to get the interest reduced. XXXX through the phone call, the representative hangs up on me. When I call back they were struggling to find my case and said they would reach back out. I asked them to confirm over email, they agreed and again nothing.
This morning I received a call back stating that for interest theyd be able to reduce only {$25.00} of the total sum, bearing in mind I have been trying to pay for over a month. When I said I refused the operator at Goldman Sachs developed a rude and threatning tone. we eventually hung up on each other.
XXXX and Goldman sachs has some of the XXXX customer service around. The departments are very silod and a request made to one department clearly does not go through to any other departments. I have had to get this card " closed '' with about 5 different departments across the 2 companies to officially have it closed and about another 6 to try to make the final payment and get the interest on the account voided. They refuse to operate over email or any sort of convenient platform, which made my life miserable since I did not have access to my apple account and did not want to read them my bank account over the phone to make the final payment. It is ridiculous
|
| 02/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I made a purchase through the retail website XXXX. It was a ring for my wife. I purchased it using my Apple Card. When I received the ring, a diamond was missing. I contacted the retailer ( in XXXX ) who said they would repair it. After a brief exchange back and forth with the retailer, I was told they would send a shipping label so that the ring could be shipped back and fixed. The retailer stopped communicating with me at this point.
In XXXX of XXXX I initiated a dispute with Apple Card to have the {$740.00} refunded noting the retailer sent me broken merchandise, agreed to repair/replace it, and then stopped communicating.
After a few frustrating interactions with Apple Card " customer support '', I paid my balance off in full of XX/XX/XXXX and closed my account.
I have also had to re-dispute this transaction approximately eight times because Apple Card keeps finding the dispute in the retailer 's favor citing that I have not provided enough information for them to substantiate my claim.
At the request of Apple card, I have sent the communication between the retailer and I as well as pictures of the damaged ring. I have sent this information in four times at the request of Apple Card because they said they can't see it in their records even though it shows that I sent something in. I have spoken to 12 different people, several supervisors who, at the time of the call, reassured me that it makes sense that the dispute would be in my favor and that I have provided more than enough evidence.
When I asked to speak with the person in charge of my dispute resolution I have been told they are not available.
I worked very hard to give Apple Card the information they requested half a dozen times and was reassured by managers that the information was received as well as should be more than sufficient to substantiate the dispute. I have no way of contacting anyone out side of their customer service phone number and can't get a response to the " findings '' that I receive via email when I try to communicate that way.
|
| 02/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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XX/XX/XXXX - A purchase of {$380.00} was made on my Apple Credit Card ( Goldman Sachs ) was made at XXXX at XXXX XXXX XX/XX/XXXX I noticed a fraudulent charge of {$380.00} and immediately contacted Apple ( Goldman Sachs ) customer service at XXXX XXXX. I informed them that I've never made any purchases to this merchant. The full amount was credited back to my account and my credit card replaced.
XX/XX/XXXX - Two new charges appear on my credit card, one of {$140.00} and another of {$230.00} totaling {$380.00} equal to original amount. I immediately contacted Apple credit card to dispute the charges one more time with XXXX. The amount was returned and a fraud investigation was underway.
XX/XX/XXXX - I received an email with the transaction dispute resolved in favor of the merchant. The email states that sufficient evidence was provided by the merchant that Ive made the purchase. I called Apple credit card customer service once again to only dispute the transaction of {$140.00} and to request the documents of the results of the investigation. The Apple card specialist named XXXX at Goldman Sachs informed me that the documents would arrive in 1-3 business days. The documents never arrived after said time. The amount of {$230.00} remained credited and a temporary credit of {$140.00} was returned to my credit card.
XX/XX/XXXX - The dispute made back in XX/XX/XXXX was again resolved in favor of the merchant for the same reasons stated above. The fraudulent amount of {$140.00} was charged back to my credit card and I received an email stating the same outcome. I contacted Apple Credit Card again to dispute the same amount of {$140.00} of part of the fraudulent purchase made at XXXX back in XX/XX/XXXX. I spoke to a fraud specialist again who repeated the same steps above and suggested to dispute the charge again with an unknown outcome. I requested the documents of the dispute and the specialist said that I will receive them in 1-3 business days. I told the specialist to leave the charge this time, and now, I'm filing this complaint.
|
| 06/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
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On XX/XX/2023, I made a purchase for {$8700.00} on my Apple Card at a retail store on XXXX XXXX XXXX XXXX XXXX XXXX. The sale representative called for an approval because there is no physical number on the Apple Card. On XX/XX/XXXX, XXXX XXXX put through the charge for {$8700.00}. A pending charge for {$8700.00} dated XX/XX/XXXX and a purchase for {$8700.00} dated XX/XX/2023 both showed in my transaction history. On XX/XX/XXXX, the pending charge had not fallen off of the card, so I disputed the pending charge. On XX/XX/XXXX, I called Goldman Sachs customer service and spoke with a representative who assured me that the situation was being worked on. On XX/XX/XXXX, a member of the Goldman Sachs `` tech '' team contacted me to say that they received the complaint and the situation would be resolved. On XX/XX/XXXX, I received an email from Apple Card Support stating that my pending transaction case had been resolved because I requested to withdraw the dispute. I did not at any point request to withdraw the dispute. I contacted Goldman Sachs again on XX/XX/XXXX and spoke to a supervisor that said she would " expedite '' the situation as the pending charge should have fallen off. On XX/XX/XXXX, I received another call from a representative of the Goldman Sachs `` tech '' team that stated the problem had been pinpointed and would be resolved. Both the pending charge and the actual charge were still showing on my card, so I contacted Goldman Sachs again on XX/XX/XXXX. I was told by a supervisor that my issue would be expedited. After contacting Goldman Sachs again on XX/XX/XXXX, nothing has been done to correct the issue with my Apple card. Additionally, my card balance reflects the amount due to include the pending charge. My credit card statement shows the correct balance and does not list the pending charge of {$8700.00}, but the balance showing online and in XXXX XXXX app lists the pending charge in my current balance due. I am concerned that Goldman Sachs is charging me interest on both the pending charge and the actual charge.
|
| 07/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
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|
Web |
Older American, Servicemember |
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1. Marcus has not complied with all rules and regulations cited in 15 USC 1693f ; 12 CFR 205.11.
2.Marcus failed to secure my funds and allowed an unauthorized withdrawal of {$230000.00} I am uploading the investigation by the XXXX XXXX XXXX Florida Sheriffs Department validating that your inept, simplified, negligent investigation was no more than a sham. The detailed and more thorough investigation by the Sherriffs major crimes, cyber-crimes, Attorney Generals Office, and Secret Service negate the intensity of your investigation.
Knowing the lawful facts, we can not conclude Marcus conducted an adequate investigation. Unauthorized withdrawals were conducted by unauthorized users. Marcus did not attempt to limit the amount of the withdrawals. With each of these transactions exceeding the {$10000.00} daily aggregate amount, no Suspicious Activity Report was filed. No communication to this account holder was ever initiated. U.S. law enforcement provides banks with access to resources and tools that can be used to strengthen Bank Secrecy Act ( BSA ) /Anti-Money Laundering ( AML ) risk management programs.
My funds were removed from Marcus without any recognition of the portent of these stolen funds. You are responsible for this loss.
1. I would like to see documentation on the extent of the investigation on which you based your findings. It was your duty to offer to share the documents you relied on rather than just a transaction sheet. It is a violation to not produce these documents. Again, the attached investigation by government authorities validates that I did not authorize or conduct these transfers.
2. Why doesnt every substantial withdrawal trigger a fraud concern?
3. It is also my understanding that if Marcus fails to conduct a reasonable investigation or comes to a completely unreasonable conclusion with the evidence they have, I may have a claim against the bank for violations of the Electronic Funds Transfers Act ( EFTA ). Such a claim entitles the consumer to three times their lost damages plus attorney fees.
|
| 10/31/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
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I did consolidation loan with XXXX XXXX. This loan was to cover my XXXX outstanding credit card balances. XXXX and XXXX are showing paid, my Apple Card ( issued by Goldman Sachs ) is not. I closed my Apple Card in XXXX of 2023. Because of this, the virtual card number was no longer available to me in the XXXX XXXX. I had to call Goldman Sachs at XXXX to request my Apple Card account number. The frontline agent provided me with an account number to provide to XXXX. From XXXX end, this debt shows paid as of XX/XX/2023. On XXXX, XX/XX/XXXX, I contacted Goldman Sachs at the number listed above to request an update on why the funds have not been paid to my Apple Card account. I provided the supervisor with the Apple Card account number that I was provided, and it was uncovered that what I was provided was an internal account number that was NOT supposed to be provided to customers. The supervisor apologized profusely, and reassured that she will be opening a payment inquiry to locate the funds. Now the {$4300.00} is floating up in the air, most likely stuck in a ledger at XXXX, but the interest and late fee penalties will not stop as I still owe my balance on my Apple Card. I was misled, leading to believe that my debt would be paid with the account number I was provided. When I further questioned the Goldman Sachs supervisor on what they expected me to provided XXXX to pay the debt, I was told that I was to provide the phone number linked to my Apple ID or my Apple ID email address. This does not make sense. I want the money located and the account paid so I can be done with Goldman Sachs/Apple Card XXXX On XX/XX/2023, I contacted XXXX to request for my payment inquiry to be expedited due to agent error and I was advised that my complaint will be forwarded for review. Something needs to be done. By no means in this XXXX fault as they did as I instructed. Goldman Sachs needs to be held accountable and backdate the payment effective date of XX/XX/2023 and delete the credit bureau reporting as thus account should be PAID OFF.
|
| 03/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I am completely disappointed with the Goldman Sachs AppleCard. I will not be using this card anymore because communication has been difficult, customer service skills are lacking, and it is taking too long to get to the bottom of an issue that should have been resolved two months ago. I purchased two XXXX via phone with the XXXX on XX/XX/2022. The phones were suppose to arrive to me on XX/XX/XXXX but I never received them. I contacted the XXXX via phone on XX/XX/XXXX and they cancelled both phones. I thought my card would be credited after they cancelled my order but it wasn't. I called the AppleCard on XX/XX/XXXX to dispute the two charges that was still on my card. One charge was successfully disputed but the other charge is still unresolved. I have made three calls the XXXX & Applecard and I haven't had any success resolving anything and i have been told a bunch of different things which do not all add up. Things came to a head when I spent over two hours on the phone on XX/XX/XXXX to try to figure out what I owed because my bill was incorrect. I ultimately tried requesting a Supervisor but I had to deal with at least three over reaching representatives who even made requesting Supervisor difficult. One of them named XXXX demonstrated how she lacked customer service and listening skills when she decided to hold me hostage on the phone listening to dead air and I eventually had to hang up on her and get someone professional to help me get to a Supervisor. I still don't have anything resolved. The Supervisors I spoke to was not even sure how to assist me with the issue leaving me disappointed and frustrated with the AppleCard. I do not know why one dispute was resolved and why the other one is still ongoing and why I can not get any answers more than thirty days after disputing the items. Why did I have to dispute them when the transactions were cancelled. Anyway this has been XXXX dealing with XXXX and I need a leader at Goldman Sachs to step up and resolve this because this should have been a simple matter to resolve.
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| 10/14/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XX/XX/2023, I received a notification on my phone from Apple Credit Card issued by Goldman Sachs Bank Bank USA that my credit card account was locked and that I would need to contact support to unlock it. I contacted support and was told to contact them again during regular business hours.
XX/XX/2023, I contacted Apple Credit Card ( Goldman Sachs Bank Bank USA ) and after verifying my information, made a one-time phone call to the number on my account, providing me with a number to call back to remove the lock on my account. I called the number to remove the lock, and while on hold, I received another notification on my phone, this time related to my Apple Savings Account issued by Goldman Sachs Bank Bank USA. My savings account had now been locked. This lock meant I could not access any of my own money in my savings account, I could not withdraw this money or transfer it back to the linked checking account.
When I reached Apple Card Support, I was notified that my savings account was locked due to my Apple Credit Card being locked. I was told that I could not access my Apple Savings Account or my Apple Credit Card until a " review '' had been completed on my account.
I asked for a timeframe of how long such a review would take, seeing as I had all of my money in this savings account and needed to access this money to pay bills, etc... I was told there is no timeframe for the review. I asked if they could transfer the balance of my savings account to the checking account of another financial institution already linked to the Apple Savings Account, and they told me there was nothing they could do on the account until the Apple Credit Card review was complete.
I was given instructions that, first, the Apple Credit Card review would be conducted. When that was completed, and access was restored to my credit card account, only then could I contact Apple Savings Account support to get the lock removed from my savings account.
I asked to speak to a supervisor and was told the supervisor was not available until Monday.
|
| 11/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Hello, My name is XXXX XXXX, I am who I say I am and no third party is involved in submitting this complaint. On XX/XX/XXXX I entered into a consumer credit transaction with Apple Card. Goldman Sachs Bank USA XXXX Apple Card as a means to use my right to extend credit for personal and household purposes. To my knowledge, I understand that Credit is a right pursuant to 15USCXXXX ( f ) and I exercised this right in good faith when I completed the credit application. The denial letter I received from Apple Card. Goldman Sachs Bank USA XXXX Apple Card constitutes discrimination under 15 usc XXXX ( a ) ( XXXX ) and Apple Card. Goldman Sachs Bank USA XXXX Apple Card also willfully and knowingly provided me false, deceptive and inaccurate information when they responded to me with adverse action in an extension of my own credit as a consumer. By willfully and knowingly failing to comply Apple Card. Goldman Sachs Bank USA XXXX Apple Card can now be held criminally liable pursuant to 15USCXXXX and can be fined up to {$5000.00} or imprisoned not more than one year or both. In any consumer credit transaction in which I extend my own credit I am backed by the Full Faith and Credit of the US Government.
15 U.S. Code XXXX- Criminal liability for willful and knowing violation : Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( XXXX ) uses any chart or table authorized by the Bureau under section XXXX of this title in such a manner as to consistently understate the annual percentage rate determined under section XXXX ( a ) ( XXXX ) ( A ) of this title, or ( XXXX ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both.
( Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title X, XXXX ( XXXX ), XX/XX/XXXX, XXXX Stat. XXXX. )
|
| 05/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Complaint about Apple Goldman Sachs credit card deceptive billing practices. There are no options to receive paper statements. Not all customers are computer savvy or able to decipher Apple 's confusing online statement. There is a card balance payment due once a month. There is a separate screen which is difficult to find containing an " installment balance '' with the total balance due. The minimum payment gets transferred to the " card balance '' each month, then showing a balance of " zero '' after the minimum is paid. This is incredibly confusing not allowing to view a total balance due to be visible unless you know the exact place to click. It was so confusing that I had to call to find out if there was minimum payment due, and what the balance was left. The payment was made on time every single month. Emails are not always seen, and upon calling for help, I was told I had no balance due, that there was no payment due, and that they could not see a problem or late payment anywhere. They still reported XXXX as 30 days late! I had to call for a supervisor who spent at least 30 minutes attempting to explain how this happened. She apologized up and down and told me to try filing a dispute again as it did seem very confusing. They still have not removed the late payment and their XXXX deceptive billing procedures are the cause of this mistake. They are hurting consumers who are older or may not be able to understand their deceptive billing display. I am considering retaining counsel as this mistake should not cost me for 7 years. Credit should not be affected because someone is older and a company does not give an option to receive paper statements. Not even an option available to pay for a statement to be mailed out. After much research, come to find out that Apple offered a deferments to their customers due to COVID but I never heard a thing about it. My husband lost work for 12 months and not only did they give me incorrect answers, but failed to inform me about help that may have avoided this in the first place.
|
| 09/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I attended a free trial class on XX/XX/23 at XXXX am and was brought to the side to discuss signing up for recurring paid classes. I signed up without my husband there to discuss further. Their no refunds for unused classes was explained to me under the impression, and rightfully so as it is actually under their missed classes/make up classes section of the agreement, that there are no refunds for any missed/unused classes that are not rescheduled. A few hours later after leaving at XXXX pm and getting home at XXXX pm I called and texted to discuss canceling the program altogether and a refund as no services will be rendered. They tried to say that the no refunds on unused classes applies in this case even though it shouldn't for many reasons, mainly XXXX being XXXX 3 day cooling off period rule AND that it was only an hour or so after signing AND that I have not received any services yet or wanted to after considering it further. After explaining this all in person, they then provided me with a paperwork that I was not aware of XXXX signed myself that stated a no refund policy at all! It even says " telephone order '' on the signature section of this document where I was supposed to sign but DIDN'T. This was NEVER explained, brought up, signed, or discussed with me. I feel like this is grounds for a refund in all senses but also a change in their policy or procedures for this paperwork to be read, visible, and signed by buyers so they can not fall into it like I did. So I proceeded to file a chargeback/dispute with my credit card XXXX and they stated I didnt cancel prior to the processing date although the processing date was XX/XX/23 at XXXX am and I canceled same day, a few hours after at XXXX pm. This did not make sense to me. XXXX ( the merchant ) has kept the cancellation paperwork which showcases I signed same day to cancel and after attempting to retrieve it they have not provided me it. I asked the bank for dispute resolution evidence that made them side with the merchant and they have not provided me it.
|
| 11/22/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
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On XXXX XXXX, 2022, I called Goldman Sachs to initiate a {$30000.00} wire to an escrow account as part of a home purchase. The representative said he was unable to send a wire-in-progress or confirmation email. Instead, he shared an internal escrow wire reference number.
Because it was late in the day, I understood the wire would likely be processed the next day. Instead, XXXX XXXX came and went without the escrow being processed. The funds remained in my account.
On XXXX XXXX, I called customer service and was told it was in progress. Unfortunately, they did not tell me if I needed to verify any details or if there was anything I could do. They simply told me that some wires take one to three business days, and because I started the wire in the late afternoon on XXXX XXXX, XXXX XXXX was technically only the second business day.
My escrow XXXX told me Goldman Sachs called her on XXXX XXXX to confirm the wire transfer details. She promptly gave the instructions that morning. Still, the wire was not sent, and the funds remained in my account.
On XXXX XXXX, I called Goldman Sachs and asked if the funds would be sent, as it was the third business day. The representative told me only that the wire was in progress. However, she let me know that it was the third business day since I initiated the wire, and wires typically take one to three business days.
At the end of the day, the funds remained in my account. The wire had not been sent or processed, even after three business days.
I asked for each representative to send me an email so that I could prove to the XXXX XXXX and the house seller 's realtor that the wire was in progress. None of them could provide me with the email or anything in writing about the status of the wire.
I am now at risk of losing my house purchase because I am in breach in contract. My earnest money has not reached the escrow account. I have waited on hold for XXXX hours every day for the last four days. This is unacceptable.
The Goldman Sachs XXXX wire reference number is # XXXX.
|
| 09/28/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I have tried really hard over a month to work out the issues with Marcus and even when I get a sensible person in their customer service, which is very rare these days but still possible, they seem to be powerless in doing anything.
Amongst many other issues that I have already filed a complaint about, they seem to have disabled my ability to instantly link an external account ( using the credentials ). It used to work fine for me but hasn't been working for the past few weeks. All it shows me is a pop up with no message or text on it. I have included an example of this in the attached pdf.
If that wasn't bad enough, they keep lying to me that it is a technical web site issue affecting everyone. I have personally asked 2 colleagues to check and they are able to use that option. So Marcus agents including their supervisors have no qualms lying to customers on a recorded line.
After going through layers of incompetency, ignorance, stupidity and bad attitude, you have to just ask for a supervisor to get someone knowledgeable to talk to. I finally got someone sensible named XXXX who finally understood what I was talking about. But she also seemed to be helpless in doing anything. But she was able to verify that it works for others. Only honest agent I have encountered so far.
Here are the case number I have been given so far. They all go into a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The due date for this case was yesterday and someone was supposed to call me by yesterday but you can guess what happened. It got sucked into the XXXX XXXXXXXX XXXX called GS. And this is after this case was already escalated twice by 2 supervisors.
Case # XXXX No response either This inability to link an external account using the instant link option has already caused me lot of financial hardship and loss. I have not been able to link my XXXX XXXX so far because of this There are plenty of other cases/complaints that have gone into a XXXX XXXX For every lie I have been told, I will keep filing a separate complaint with CFPB.
|
| 08/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
I was seriously scammed by phone on XX/XX/XXXX with money stolen from my bank account, credit cards, XXXX, XXXX XXXX and Apple.
They had me install any desk on my phone and were able to see into my accounts and transfer money..
I contacted all agencies the following day and filed a fraud report with the FTC. Closed all accounts, set up fraud alerts on all accounts enrolled in credit monitoring etc I lost money through XXXX and the XXXX XXXX but XXXX XXXX XXXX acknowledged it was fraud and returned the money sent to XXXX Other cc reversed the charges. All except Apple which the scammers had me open. They also opened one in husbands name..of course my fault.
I thought I was working with the FBI fraud unit ( transferred through XXXX..which I thought I had clearly verified with the information they provided me regarding my account ) I gave them information I shouldnt have.
Since the money was charged in a foreign currency I had no idea how much it was but was told these were small amounts only to see if the individual stealing my identity would accept. I told them repeatedly that I wasnt authorizing ANY money being transferred!!!
Apple was the only cc that denied it being fraud and said the 5 charges for both my husband and myself for over {$5300.00} would stand we would have to pay.
I spoke with and contacted the Apple specialists many times to dispute this and they gave me the name and address of the individual I had to write to have the dispute reopened. I did this with a letter and documentation and all 4 disputes were reopened.
As a senior citizen ( XXXX ) I may be naive but I would never defraud anyone of money I had rightfully authorized.
Then again my husband and I both received notifications from Apple that they had reviewed the information and that all the charges would stand.
I again wrote a second letter on XX/XX/XXXX to Goldman Sachs asking them to reconsider. Im attaching both letters I sent Im obviously devastated and disappointed in Apple and Goldman Sachs. I have not heard back from them
|
| 11/02/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I had taken a loan of XXXX in XX/XX/XXXX to pay a company called XXXX to waterproof my house for a flooding basement. They were to install a sump pump, an indoor and outdoor drainage system, and moisture and water blocking on the outside of the home. I specifically told Greensky to not pay XXXX until the job is complete. I have proof of this. Greensky went ahead and paid XXXX before the job was completed. XXXX has been to my house XXXX times now and the job is still not complete. Not only is the job not complete but they have done over {$10000.00} worth of damage to my home in which they refuse to fix. They broke my basement stairs, completely scratched all of my new paint in the basement and outside walkway, broke the stone stairs leading up to my house, punctured holes in my drywall, broke a stand that was built into my wall, broke the lattices to my back deck, broke the lock to my side door. They were supposed to come back out on XX/XX/XXXX for the XXXX time but didn't show up and is not taking my calls. They also had me purchase over {$1000.00} worth of materials in which they were supposed to reimburse me for but is now refusing. Again, Greensky was not to pay XXXX until the job is complete. My basement is still flooding, I now have so much damage to my home that I have had to pay other contractors to come fix, have called off work XXXX times which is 22 days of lost wages, and lost the money for the materials. Our contract had stated that the job would be complete within 6 months, but it now has been 10 months, and they didn't show up on XX/XX/XXXX so this is breach of contract. I have sent an email to Greensky every single time that XXXX came out. I have been trying to reach my case manager at Greensky, XXXX XXXX extension XXXX, for a month now about this but she has not returned any of my many phone calls and emails. I would like Greensky to return all of my money that I have paid thus far and also clear my loan for all of these issues. I have written documentation and emails to prove all of the above.
|
| 10/28/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Dear CFPB, I'm writing to flag a troubling issue with an account I have at Goldman Sachs Marcus. On XX/XX/22, I made what I thought was a XXXX transfer to another money market account at XXXXXXXX XXXX I received an email confirmation at XXXX XXXX that morning from Marcus that the transfer had been completed. Later that evening I received an email and phone call from Marcus instructing me to call them about my account. I did just that, and had a couple of puzzling conversations with their agents. From what little I could gather, my account had evidently been locked over some unspecified security concern. After visiting with their agents, I was assured that my account was unlocked and the transfer would go forward. I received another email confirmation at XXXX on XX/XX/22 that the transfer had indeed been completed. On the morning of XX/XX/22 I was horrified to discover that the transfer had not been made, and had indeed been reversed, creating untold nightmares. Panicked, I initiated a chat with yet another Goldman Sachs agent, who told me there was no transfer in progress. Long story short, despite one oral and two written confirmations of the transfer, it had never been made and Marcus had retained the funds. The chat agent yet again assured me in writing that my account is not locked, so I'm attempting yet again the transfer to XXXX. While I am 110 % in support of stringent security safeguards, these eyebrow-raising actions by GS Marcus might lead one to suspect they are using the fig leaf of 'security ' concerns as a pretextto slow-walk, delay, or in my case completely stop transfers to their competitors. Let the record reflect that I have always loved my Marcus account, and was one of their first customers. Not only that, I am a Goldman Sachs stockholder! My past good experience with Marcus and XXXX makes this misbehavior on their part all the more shocking. I ask CFPB to investigate the actions of Goldman Sachs Marcus and take appropriate steps to facilitate this transfer and prevent further harm to me.
|
| 11/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Today XX/XX/XXXX I received the outcomes of XXXX disputes that were reversed for the XXXX time to the merchant. These disputes were filed in XX/XX/2022. They were for XX/XX/2022 and XX/XX/2022. I filedXXXX disputes in XX/XX/2022 against the same merchant. I have had XXXX disputes ruled in my favor. So dont know how I still have XXXX left. I called them today to reassert XXXX of them. I have never received the receipts for them. I have called 5 times today and either was transferred and put on hold for half an hour or longer and no one would pick up so I had to keep calling back. Finally they answer and they are unable to send the receipts. Worst customer service ever. I have sent every time that I have reasserted these disputes the same evidence that I sent for the XXXX that was ruled in my favor. The evidence was good enough for XXXX so what is the problem now? I know its called harassment, maybe revenge? I am sick of this mess and have been dealing with it for a year now. You owe me {$17000.00} from the disputes that were ruled in my favor. My account has never been credited for all of them. Take the money for these last disputes from what you owe ME. You are the most corrupt bank I have ever seen. You will not get another dime from me. I did not authorize any of the disputes and I never gave that merchant my card number, password, PIN number or CVV number. I dont use Face ID or fingerprint ID. The IP address on the merchants evidence is not mine. I have sent you proof .Your bank authorized these transactions on a name and address!! I have researched this merchant and they are corrupt and are located in XXXX the most corrupt company in the world. You need to be shut down from your corrupt business practices. You have thousands of complaints for the same reasons that I am having. You are ruining the Apple name. You do nothing but lie and steal from the consumers. I will fight this till the day I die. I dont give up easily and I DO NOT PAY FOR FRAUD. I demand that these disputes be taken to XXXX Arbitration.
|
| 12/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX : I used my Apple Card ( Goldman Sachs - XXXX XXXX XXXX XXXX XXXX purchases via the XXXX XXXX. My credit limit was {$1500.00}. My purchase was + {$1800.00}.
Much to my surprise. XXXX approved the entire purchase. I attributed it to good standing - credit history/score, whatever algorithm the company implores as part of their transactional workflow.
I was never prompted that the purchase exceeds the limit. I was never prompted nor given the option to pay the difference using an alternative payment method. I was given XXXX indication that this could potentially be a derogatory transaction - or reported as such in the days to come.
XXXX : I received an alert from XXXX monitoring services indicating there had been a change to my XXXX XXXX. When I checked, my XXXX XXXX had fallen over XXXX points. XXXX POINTS! I have worked diligently and tirelessly over the past XXXX years to repair my credit. For the first time in a long time I was above XXXX and trending higher. This was devastating, and appalling. XXXXXXXXXXXX reported the balance- as over limit. Again, they approved the purchase, provided NO OPTIONS, and then reported it. How is this acceptable?!?
XXXX / XXXX : I immediately contacted Apple Card customer support. I tried to ask if they could increase my limit to cover the difference, or what my options were. They said they couldn't really do anything - and that I could possibly file for another increase- which I did and was denied - or I could contact XXXX, because they don't deal with anything more than transactions.
I have not contacted XXXX directly. With transparency - I don't think I could hold my composure and it wouldn't be fair to the customer service rep.
XXXX : I paid the entire balance.
XXXX XXXX is still showing and counting against my limit the installments that were supposed to be made. Like a revolving balance - even though the entire balance was paid.
Apotheosis of deliberate, predatory credit lending and practices.
Sincerely, XXXX points less due to their error.
|
| 09/01/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I transferred XXXX to Marcus bank 10 months CD account. One day they restricted my online access. I called them several times. They wanted me to fill up the form for affidavit of identity in order to give my access back. It took them 2-3 weeks just to mail out the form to my address. I was not in the country when my form arrived so I called them several times just to make sure I can do the notary at embassy overseas or online. The answer was yes. I did the Texas online notary and mailed the form back to them. About 1-2 weeks after, I received an email saying my CD account was closed. I called them back asking where my money went. They put me on hold for 30 mins just to tell me to call back again in 3 days. Then I called back, the call lasted almost an hour, still have no definite answer. The specialist told me that looked like the previous agent I talked to couple days ago was trying to reopen an account for me and put my fund back and they are working on it. I asked him if they can just mail the funds back as a check to my address cuz Im done dealing with them. He said he couldnt because theres no money in my account to transfer out that I need to wait til the account was reopen and funds moved back in order to transfer out.and he wanted me to call back in 3 days. So I called back then they couldnt even tell me where my money is now. She even told me that she couldnt discuss with me any further because my affidavit of identity was not complete!!! I literally just went off on the phone with her, its been ridiculous. She said the stamp is not legit and its not in person signature. I told her the online notary is legit and certified. She said I have to redo the form and she refused to talk to me further. I told her Ill not be in the country for another half a year. And I dont see why the certified online notary is not legit at their bank. And i literally just wanted to know where my funds in the account went since they closed it. I feel I just lost XXXX at their bank its ridiculous I dont know what to do
|
| 03/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
Name of the Credit Card ( Apple Card ) Prior purchasing an XXXX from XXXX XXXX, Apple Card was contacted to inquire about their card cash back policy. I called, was informed that it is XXXX XXXX. I ordered my XXXX, using Apple Card, but suddenly I found the expected cash back XXXX XXXX. I called again, but they apologized, then decided to return back merchandise, expecting that would be the end of the transaction like any other credit card.
But, surprised to find out that I was in debt of over {$40.00}. My credit report was affected, and I file a dispute with the XXXX XXXX XXXX " XXXX '' which they advised to call Apple Card. I have called Apple Card repeatedly, but got nothing to understand when listening to their explanation, except they not only the Apple Card by itself, but its derivatives like XXXX XXXX, Daily Cash,... etc. which I have nothing to do with all of that.
Moreover, when I tried to pay my XXXX service charge of {$1.00} which should be paid by my XXXX XXXX XXXX XXXX Credit Card, it's automatically charged to Apple Card, which I have no clue about the monopoly of Apple Card to swallow any purchase transaction done by XXXX XXXX, as I have not agreed to any of these limitations.
Please be advised that, finally Apple Card made an adjustment to XXXX Balance when I tried to get help from XXXX XXXX " that is what I thought ''. Few days later, I was also requested to make a last payment made by Apple Card of {$1.00} for XXXX charge which I did by sending a check to the Apple Card address.
Unfortunately, this is followed by receiving repeated messages on my phone requesting payment of unknown earlier balance ( over {$40.00} ), which I repeatedly responded that this is unearned money I can't pay, and requested the termination of my card, as well as, stopping further harassment. but, they opt to continue. Naturally, my XXXX XXXX is negatively affected.
As a XXXX XXXX XXXX senior citizen, your assistance in putting an effective end to these infractions directed to consumers is appreciated.
|
| 07/26/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
As a client of XXXX by XXXX XXXX, I participated in the referral program whereby inviting a friend to open an account earned me an additional percentage point in APY rate in my saving account.
Want to earn an additional 1.00 % APY on your XXXX XXXX account? Here 's how!
With XXXX Referred our rate-boosting referral program current and new customers can get a rate bonus on our Online Saving Account for 3 months My friend opened a new CD account, using the link that I sent him on XX/XX/23, therefore he doesn't earn the bonus, but I did, because I referred him.
The bank has refused to apply the bonus to my account, I have tried several times to have the bonus applied to me through XXXX support, and the request has been ignored.
At some moment they told me through the support chat that the person named I referred ( AR ) had to contact them and request the manual application of the code because the link with which the account was opened had not been applied correctly or automatically.
My friend spoke via support chat receiving multiple refusals to apply the bonus to the person who had referred him, because he opened a CD and not a saving account.
My friend called support and his request was repeatedly denied.
I request that this action be investigated in accordance with the regulations set forth by XXXX in his application which I share below : XXXX by XXXX XXXX Referral Program Terms Existing Customers As an existing XXXX deposits customer, you can receive a promotional XXXX Referred Rate ( defined below ) on all of your XXXX XXXX Savings Account ( s ) ( each an OSA ) after a New Customer ( defined below ) opens a new OSA or Certificate of Deposit ( CD ) using your unique referral link ( a Successful Referral ). Adding a joint owner to an existing OSA will not count as a Successful Referral. Your unique referral link will be accessible in the XXXX Referred Center. You can access the XXXX Referred Center by logging in and selecting XXXX Referred in the menu at the upper right corner of any page.
|
| 09/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is in response to Goldman Sachs USA previous response on XX/XX/2020.
Goldman Sachs has ignored the Identity Theft claim. They have NOT contacted the bank used to open the account and make the " ( 9 ) successful payments '' nor have they confirmed if the account was compromised and used for fraudulent activity such as opening credit accounts, and loans. According the bank records on XXXX XXXX of the consumer as of XX/XX/XXXX, there was only one bank account in the name of the consumer at the time of opening the Goldman Sachs account which according to Goldman Sachs was on XX/XX/XXXX. The name of the bank was " XXXX '' and the account did not carry balances high enough to open a personal loan which as of XX/XX/XXXX, states a balance of {$12000.00} with Goldman Sachs according to the XXXX Consumer Credit Report. According to the XXXX XXXX Reports of the consumer, the total balance for the consumers bank account " XXXX '' as of XX/XX/XXXX was {$57.00}. This amount is NOT sufficient enough to open a personal loan account with a balance of {$12000.00}. An inquiry was also made from Goldman Sachs Bank on XX/XX/XXXX requesting a copy of the consumers XXXX XXXX report. They have reviewed the consumers banking information on XXXX XXXX and have failed to mention this in their last response! A copy of the Identity Theft report and XXXX XXXX report have been attached to provide evidence that the account for Goldman Sachs bank was opened fraudulently without the consumers knowledge or permission.
According to the Identity Theft claim, the bank used for this account was found to be compromised and fraudulently used to open the Goldman Sachs account. I request that CFPB priorities and investigations further investigate this claim and provide assistance in filing a law suit against Goldman Sachs Bank USA as they have failed to provide verified evidence that the account was opened by the consumer and not of fraudulent activity. Under The Fairs Credit Act, Goldman Sachs is violating the consumers rights.
|
| 12/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Servicemember |
|
GOLDMAN SACHS BANK USA advertised the new APPLE CARD and I applied.
I used the Apple Card for several months without incident.
I used my govt. XXXX ( XXXX ) XXXX, govt. email address XXXX, and Apple ID to register and use the Apple Card.
I then changed federal agencies for employment, and moved from XXXX to XXXX, XX/XX/2019.
My XXXX XXXX required me to return the XXXX. XXXX ( XXXX ) XXXX, and also closed my email account : XXXX.
I went two months without a cell phone as a result due to my new XXXX XXXX not providing a cell phone as it had for the past 5 years.
I discovered that the Apple Card and Apple ID does not work " without '' an XXXX.
There is NO WEBSITE for the Apple Card in order to update contact info.
I called Apple and Goldman Sachs and neither could retrieve my account.
The account was registered with my govt. email and govt. cell and wanted to only send verficiations to these contacts.
I no longer had access to these XXXX. accounts after departing this XXXX XXXX
Without an XXXX, XXXX XXXX and Apple would not update my contact info EVEN BY CALLING THEIR CUSTOMER SERVICE CENTER.
They only wanted to send emails and texts to my old govt. cell and old govt. email.
I could not check my balance nor make a payment without calling Goldman Sachs.
This caused me serious life distress as a result not being able to track my finances or update my contact information by reasonable means.
I was told by a Goldman Sachs agent that approximately 100+ other persons like me are CURRENTLY experiencing similar distress as a result of the same Apple Card issue due to moving cities.
Goldman Sachs and Apple did not think through the effect on the consumer with the credit card account only working on a cell phone, e.g. without a website.
The only solution Goldman Sachs could provide was to close my account in XX/XX/2019 now tainting my stellar credit bureau reports after only a few months with the card.
The Goldman Sachs account is now closed with a balance of approx. {$2300.00}.
|
| 08/04/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
My Marcus saving account was locked on XX/XX/XXXXXXXX when I tried to transfer money from Marcus to my XXXX account under my name. I have a total of XXXX in the saving account. It is not my responsibility to verify one of my financial institutions- when I link the XXXX account to Marcus or when I transfer money in Marcus, they have verified my identity.
I tried to contact Marcus multiple times during the past one and a half month but until today, I still didn't receive any progress.
I made my first phone call to Marcus on XX/XX/XXXX. They refused to tell me why my account is locked. On XX/XX/XXXX, I called Marcus, they refused to tell me why my account is locked. They said they would send the affidavit of identity ( the letter to verify my identity ) will be sent out in 5 business days.
On XX/XX/XXXX, I called again, they said the affidavit of identity is pending approval, which may take 1-3 business days.
I want to close my Marcus saving account and get my money back ASAP. I've been dealing with this issue with Marcus for 1.5 months now but received no progress.
On XX/XX/XXXX, I called one more time, after letting me wait for 56 minutes in total, they said the letter is waiting the approval of support team, which will take 5 more business days.
XX/XX/XXXX, Marcus said they still need 3 more business days to send me the identity verification letter.
XX/XX/XXXX, They closed my complaint, and claimed that the letter was sent on XX/XX/XXXX, which contradicts to their previous claims on XX/XX/XXXX that the letter wasn't sent out.
This is just the very first step to unlock my account, which already takes one and a half month. I don't think waiting will solve this issue. I want to get my money back and close the Marcus account permanently because of the experiences above.
I have wasted 6 hours on phone but got no results. I need to pay my rent, credit cards, and medical bills. I also want {$500.00} compensation for all my financial, mental, and time loss during this one and half month.
|
| 01/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Older American |
|
The Apple/GS Credit Card filed that I was over 60 days delinquent when in fact I was unable to make a payment due to inadequacies in their system. I purchased a new XXXX in XX/XX/XXXX and agreed to pay for it through the Apple/GS credit card. I was told at the time that I would receive statements via email, and the Apple employee and I spent considerable time confirming my email address. When I receive the physical card some weeks later there was no information on it, no account number, and more importantly, no telephone number for customer service. Several months went by before I finally received a letter from Apple/GS with a contact phone number. I called them immediately, and they walked me through the convoluted process of setting up the XXXX XXXX and then provided me with detailed instructions for making payments by check through the mail. None of the information I received at the Apple Store turned out to be correct. ( 1 ) In order to function properly your XXXXXXXX XXXX must match your current email address. This fact was not conveyed to me until nearly 6 months later. This would make it impossible for Apple/GS to contact me electronically despite their claims to the contrary. ( 2 ) Even with the proper email address, the Apple/GS card never produces a statement of any kind. In order to get a statement cardholders have to call customer support and request one each and every month. While this may technically be in compliance with current Federal law, it does not satisfy the spirit of the law. ( 3 ) You are expected to use their App as the only mechanism for making payments which makes it impossible to set up any kind of payment schedule with your bank. As a victim of identity theft in XXXX I am rather reticent about sharing banking information with an App on my phone. ( 4 ) Heaven help the poor soul who, after charging multiple purchases to their Apple/GS card, discovers that they have lost their XXXX and with it their only means of making payments or even contacting customer support.
|
| 07/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/23 I ordered XXXX pair of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' in size XXXX XXXX XXXX for a total of {$1800.00}, from XXXX. I used my Apple Card from Goldman Sachs Bank. XXXX is an online marketplace. I never received the sneakers, they still have not been delivered. XXXX sent them via XXXX XXXX with special handling instructions " Direct signature required ''. XXXX XXXX claims XXXX signed for the package. My name is XXXX XXXX XXXX, I do not know a XXXX. The signature they have on file is fraudelent, it does not match my signature or my XXXX XXXX the only XXXX people who reside at my home capable of a signature. Both my XXXX and I were not home at the time of the alleged signature and delivery. I filed a police report with the XXXX police, a signed affadavit from my XXXX and I and a copy of my drivers license. I provided all of this to Apple Card along with numerous emails back and forth with the merchant, XXXX. Apple Card is failing to look at the facts of all the evidence pertaining to the dispute. Instead of working for me to help resolve the fact that I am being charged for merchandise I never received, Apple continues to ignore the overwhelming supporting documentation I have provided. Multiple supervisors from Apple have agreed with me that I should not be held responsible for the charge given all the information I have provided but I am then told a " different department '' handles these disputes and they have no control. These discussions are recorded by Apple, so it is possible to obtain them as evidence that Apple continues to tell me the charge should not stand. The merchant, XXXX only responded once, XX/XX/23, to Apple out of the XXXX times I have had to reopen the claim. It should be noted that Apple Card representatives/supervisors continue to suggest I reopen the dispute. I went through their response to the dispute and disproved their entire claim and emailed my rebuttal to Apple Card. Apple 's " different department '' still ignores the facts.
|
| 10/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
Late in the evening of XX/XX/2022 ( probably technically in the early hours of the following day ), I submitted an application to Goldman Sachs Bank USA for XXXX XXXX card. During the process, the online system asked me to upload a copy of the front and back of my driver 's license ( no larger than XXXX each ). I did so. The system showed both sides uploaded and then confirmed a successful submission of the application.
Between XXXX XXXX on XX/XX/2022, I received a call with caller ID number XXXX. I missed that call because I was in a meeting. The caller did not leave a voice message. Later the same evening, I looked up the number online and discovered it belonged to Goldman Sachs Bank USA.
On XX/XX/2022, at XXXX XXXX, I received an email from XXXX by Goldman Sachs telling me that a copy of my ID was needed for verification. Mind you, ID was requested and supplied during the initial application process. This email said the ID needed to be uploaded using the link in the email by XX/XX/2022.
On XX/XX/2022, at XXXX XXXX precisely XXXX minutes later, and WAY before XX/XX/2022, I received an email from XXXX by Goldman Sachs saying the application was not approved because the bank was unable to verify my identification information.
This is clearly nonsense.
I called Goldman Sachs Bank USA at the number provided in the email, XXXX, to hopefully solve the problem. Clearly something was not right. I was told that the application had been closed and nothing could be done other than to submit another application.
The problem is this. I had a similar experience with Goldman Sachs Bank USA applying for the same card about a month prior. The bank apparently can not adhere to deadlines it itself has set. Consumers should beware. This multibillion dollar firm apparently does not have the appropriate infrastructure in place to support basic business processes. Regulators should be asking whether a bank clearly demonstrating such basic incompetence should even be doing business in the market.
|
| 06/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is my second time submitting a CFPB complaint about this issue but I am not going at it from a different angle. Rather than asking for Apple Card/Goldman Sachs to resolve the dispute in my favor like I did in my original complaint, I would like to complain about the fact that these disputes have been resolved in the merchants favor despite the merchant not actually existing. Apple Card/Goldman Sachs said in their reply to my first complaint that they dont have any merchant evidence because they looked only at my account, not involving the merchant. If they had looked into the merchant, they would see that the merchant doesnt even exist. I was given this information from the credit card company : The merchant is XXXX XXXX, their address is XXXX XXXX XXXX XXXX XXXX, TX XXXX, and the category of the transaction is clothing.
There is no clothing store at that address, nor is there any company called XXXX XXXX. There is no information to be found online about XXXX XXXX, nor any contact information. According to the Texas Comptroller website, there is no business license in the state of Texas for a company called XXXX XXXX. It does not exist. It is not possible for me to have made a purchase from a merchant that does not exist.
I am now submitting this complaint because the credit card company did not do this due diligence, and instead focused only on my account. I could not have made the purchase, because there is no merchant for me to have purchased from.
For additional information, I did make a purchase last year from a company called XXXX XXXX for a similar monetary amount and received those funds back after the company was found to be fraudulent and ended up closing before opening under a new business name ( XXXX ). XXXX XXXX was also based in XXXX XXXX and had access to my credit card information from the purchase I had made with them that was successfully disputed after they had been found to be fraudulent. I believe these things to be connected, thought I can not prove it.
|
| 06/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
My Apple credit card was compromised by Apple ID takeover in XX/XX/XXXX. Signifcant fraudulent charges were made on the credit card and have been satisfactorily resolved ( reversed ) by Goldman Sachs fraud unit. I paid the legitimate outstanding balance in XX/XX/XXXX. It took a prior CFPB complaint to bring the fraudulent charges to closure. The card was closed.
Subsequently, the credit card was charged for the apple cash rewards related to the fraudulent items that were resolved/reversed. Goldman Sachs position is I'm responsible for the balance of these fraudulent rewards despite repeated calls with Fraud Unit to have the apple cash rewards reversed and resolved. I have proven I have no access to these rewards via apple cash as they assert.
I have worked through the process Goldman Sachs requested. Apple has confirmed there is no ability to recover my apple id account after working the matter. I have talked with Apple Cash team and reviewed the fact I have no access nor did I benefit from the apple cash credited to me from the fraudulent transactions. The Goldman Sachs Level 2 Fraud Unit has corresponded with both Apple and Apple Cash representatives while I was on the line. In early XXXX, I was told the matter would be escalated to a responsible manager who could finally resolve the matter. I was told I should not be responsible for the rewards balance given I have no access to those rewards/nor benefited from them.
I called Goldman Sachs today to confirm the resolution and was again told I was responsible for the balance and could again escalate the matter for review. I have made repeated calls to resolve this matter since XX/XX/XXXX and have exhausted my ability to communicate with Goldman Sachs effectively.
Please assist me with resolution of the outstanding balance on this closed account, wholly related to cash rewards on fraudulent transactions. Goldman Sachs continues to report this balance as past due and is negatively impacting my otherwise outstanding credit report.
|
| 09/21/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
My wife and I opened a 12 month CD at Marcus by Goldman Sachs using the online portal on XX/XX/XXXX. On XX/XX/XXXX of XXXX, I put in a request to close the cd upon maturity ( XX/XX/XXXX ) and transfer the funds via ACH transfer to my local bank. On the XXXX, of XXXX, XXXX I went online to verify that the funds had been sent to my local bank as requested. I was allowed access into my online account but this account no longer contained any information as to this cd, which is the only account that I hold with Marcus by GS. I could access my profile and prior statements that are generated on the last day of the month but there was no information concerning the cd in question, its interest paid at maturity nor the present value of cd. It was as if the account had vanished into thin air. The online account does not even list this account as closed, it simply is not there, I called customer service and was told that the funds had been remitted via the ACH system. When I asked for some written verification that this had been done or to be sent a copy of the account being closed and the monies being sent, I was told that the representative I was speaking to would REQUEST that a verification be sent but that it would have to be sent via the US Postal Service and she also stated that she did not know how long it would take for such a request to be honored to which I replied that this would not be acceptable. The representative stated she could do nothing else for me.
As of the present time, the funds have not arrived at my local bank. I realize that this can take up to 3 days and I have no issue with that fact. I do have an issue that I can find no information with regards to this account when I log-in online and I can not determine if Marcus by Goldman Sachs has indeed returned these monies to me, the legal owner and that I can only get verbal assurances that they have. I also have an issue with the fact that this account shows up no where on my online account other than the prior statements.
|
| 01/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
XXXX issue/ wallet Billing. My XXXX was stolen awhile back. Unfortunately phone was not locked. The thief enter and took over my email account ( XXXX, app account, ordered items off my credit card, and deleted all pictures from my XXXX/ phone. This incident forced me to close all accounts through XXXX, use my other email account, and to order a new phone. Additionally, I was forcibly locked out my XXXX for nearly two weeks.
Upon receiving my next phone XXXX could not provide me access to my remaining information left in the XXXX with the new address of XXXX. To make me whole from the experience, it was suggested to keep the username of XXXX but to use my new email of XXXX.
Since the theft of my phone and information I havent used XXXX.
Apple Card services has charged Me for apps, on two occasions in the amount of {$2.00}. The charges appeared in a wallet app on my phone that I had no knowledge existed. I was told notifications were sent to XXXX My credit issue was only discovered after I pulled my credit for denied credit. Upon calling my first issue of complaint was that a bill was never mailed out for the charges. This is when I was I informed of the wallet. I was informed that paper bills are not mailed and instead the bills and sent to the wallet app. Being old school, a wallet on my phone didnt sink it.I was walked through this process by the responding agent and the matter was partially resolved. Meaning they got their {$2.00} and late fee for the app not being paid. I, on the other hand, I did not know the wallet existed nor did i know a there was a bill on my phone. As a result, I got a report of being late of XX/XX/90 days. This incident Turned my credit score from the XXXX to XXXX or less. I pay my bills religiously! I have called and requested paper bills but they say its not an option. Ive called Goldman Sachs several times requesting a removal of the items in Good Faith and each time the dispute resolution department disconnects from the call. I desperately need help.
|
| 01/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have reason to believe and do so believe the statement received on XX/XX/XXXX ( and all statements prior ) have been interest dividends or credit issued to me in the form of coupons or bonds. The evidence of this belief is due to my statements Ive received reflects as a positive balance on the account in reference to the full balance of {$6700.00}. If this was a debt owed this would be in a negative balance or this is a computational error.
I have reason to believe and do so believe there has been a failure or mismanagement to properly apply credit issued to me in the form of coupons due to the misrepresentation of this account. I have been made aware of what an instrument is and at the date of this accounts conception I have issued instrument ( s ) which should have paid and tendered payment for services rendered from this account.
The evidence of the credit being issued to me is my monthly statement which comes to me in a positive balance as an investor who funded this account with the securities and instruments given from the date of consummation. If I were to have owed a debt, this statement should be in a negative balance. I believe this is credit being issued to me and my endorsement has been needed in order to authorize how the credit should be applied to my account.
In order to clarify that such credits on the account have not been misapplied, or any false claims of securities causing a tax liability has occurred due to this error, illegal securitizations, trades, hypothecations, interest, and proceeds fraudulently misapplied in my name, as beneficiary of the account, I require the documentary evidence which includes tax records, recordkeeping of both the journal and ledger entries in accordance with IRS publication 583 and other supporting financial records.
My billing error notice has been mailed to your registered agent and the address found on my statement via certified on XX/XX/XXXX.
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
|
| 01/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
To whom it may concern : Re : Deceptive marketing Ambiguous responses Misrepresenting Benefits On XX/XX/XXXX I entered an Apple Store in XXXX, XXXX to purchase an XXXX. I had no intention of applying for a credit card. As I was getting to pay for my new phone. The sales associate informed me that if I had good credit I could qualify for a card with 0 % interest for 12 months. The response will be immediate, and I can repay earlier. I received an instant approval and the phone was charged to my new credit card. The total balance was {$1200.00}. On XX/XX/XXXX, I went to make a payment of {$240.00}. I then noticed the balance stated that interest would be accumulating in the account as of XX/XX/XXXX if the total balance due was not paid in full. I immediately contacted the customer service department, and they notified me that I qualified for % percent interest, but it will be on a 24 monthly installments set amount. I explained that I wished to pay as the original advertisement was made at the store. I preferred a 12 month 0 % interest with the ability of me deciding how much I pay monthly, and not in a 24 monthly installment plan. The representative told me that was not possible. When I asked for the terms in writing, he said I can only get a reply in writing if I used the text feature ( Please see attached ). The conversation was ambiguous and I didnt not receive a clear answer. I would not have done a credit inquiry nor open an account have I been given the correct terms. This company is misrepresenting benefits and engaging in deceptive marketing practices with the goal of getting a consumer to open an account. I ended up paying the account in full. However, had not been in a position to due so I would have been forced to keep a 24 monthly installment plan. Please look into these deceptive marketing practices. I wish to close the account without any repercussions on my credit score. Thank you in advance for your attention to this matter.
Respectfully submitted, XXXX XXXX
|
| 08/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2022 I changed my credit card number on my Apple Card due to a subscription I no longer wanted. I contacted the merchant asking that the cancel my subscription. They refused. The only option i had was to change the number on my card, hoping that would stop the merchant from charging my card. XXXX, XXXX, XXXX, the merchant, The XXXX XXXX, charged my card without my authorization. After I requested in writing that I wanted my subscription canceled and they refused to cancel my subscription and continued to charge my card. That is fraud.
I spoke to XXXX, and XXXX, supervisor, who gave me very incorrect information when I asked HOW my card was still charge after i changed my card number? They wrongfully told me that Mastercard will give a merchant your card number if the merchant asks for it. And that is the only way the merchant was still able to charge my card after getting a new card number. I said, Ive never heard anything like that. I called Mastercard and spoke to a rep by the name of XXXX. She told me that XXXX does not have access to our card numbers and they do not give out card numbers. Furthermore, Mastercard does not have the authorization to just give out your card number to ANYONE asking as that would definitely contribute to Identity Theft.
I had to call several times about this serious issue but was made to feel as though it was not that big of a deal. Another rep, XXXX, assisted by cancelling my card which was a step higher than just changing the card number. She also had me to remove the card from my wallet and reattach the card. She said this will stop the merchant from charging my card in the future.
Ive attached an email from the merchant/network owner that instructs subscribers to email her if we want to cancel our subscription any time. I also attached my email, telling her to cancel my subscription. I attached a screenshot from Mastercards website that directs consumers to IMMEDIATELY contact our bank if we believe we have experienced fraud.
|
| 07/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I filed a Dispute with Apple multiple times for might return flight to the U.S. from XXXX XXXX.
The flight changes involved my first flight from XXXX to XXXX, which was originally scheduled for XXXX XXXX, and my second flight from XXXX to XXXX XXXX, initially scheduled for XXXX XXXX to XXXX XXXX. These changes created a significant conflict for me. When I reached out to XXXX XXXX employees at the airport, they informed me that I could cancel my flight by calling a specific number.
However, when I called the number provided, I didn't receive a confirmation, but the representative assured me that I would receive a refund within 5 days. It's important to note that I made this call on the same day as my scheduled flight.
This situation not only affected me but also impacted several other passengers. I spoke to 10 other individuals who were suffering from the same last-minute flight changes. Unfortunately, this is not the first time XXXX XXXX has made such changes, and it reflects poorly on their service.
I also shared these screenshots with two members from Apple, as I sought assistance with the matter. This issue is of utmost seriousness, and I am deeply disappointed that the matter hasn't been thoroughly investigated despite the obvious evidence.
During my last dispute with Apple, I informed them that I had spoken with the airline, XXXX, regarding the issue. The airline had taken my bank information, promising to process a refund. However, despite their assurance, I never received the refund from XXXX.
In an effort to resolve this matter, I provided Apple with all the necessary information and screenshots of my conflicted flights. However, despite having this gathered evidence, Apple has said once again that I will be paying the mount of {$200.00} This is the information from my Dispute with Apple Credit Card.
Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/2022 Merchant name : XXXX Disputed amount : {$200.00} Temporary credit : {$200.00}
|
| 12/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I received notice from my credit monitoring service that my credit score had dropped. When I opened my account, there was a notice that XXXX by Goldman Sachs had changed previous payment history on my credit report from current to 60 days late from XX/XX/XXXX to XX/XX/XXXX. I have never been late with this account and have proof that I have never been late that I will attach to this dispute. I have always been on in automatic draft program with this company to ensure that my payments are never late. I received a three month deferment from XX/XX/XXXX through XX/XX/XXXX due to being offered a deferment by XXXX Goldman Sachs due to being out of work and in a FEMA declared state after Hurricane Irma. I was advised that my credit report would not be impacted as I was under a deferment and extending my loan 's maturity date ( see attached ). My credit reporting never changed during that time frame, and now all of a sudden they have changed it. All payments before and after deferment were made on time. I called XXXX by Goldman Sachs and spoke with a XXXX XXXX. XXXX said that it seems that there has been some type of error and it would take up to 2 days for them to resolve. His explanation was very vague and I explained to him that while I am awaiting their investigation my credit reputation is being impacted because of their erroneous reporting. XXXX could not provide any other assistance and told me that he was not sure of whether the information could be corrected quickly. I advised him that just as quick as they made the error they needed to fix/resolve as I am ill considering the damage that this is doing to my perfect credit score. He said that someone would reach out to me by telephone within 1 to 2 business days but I am not confident that this company will handle as quick as necessary and that is why I submitting this dispute. I am outraged that this company with do something like this to a timely paying consumer and I will never do business with them again.
|
| 12/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2020, four fraudulent charges were made against my Apple Card by Goldman Sachs : {$540.00}, {$420.00}, {$620.00}, and {$1700.00}. I immediately disputed the charges in my XXXX XXXX. On XX/XX/2020, Apple/Goldman issued four provisional balance adjustments in the disputed amounts. On XX/XX/2020, one of the vendors issues a refund in the amount of {$1700.00}.
On XX/XX/2020, I noticed that all provisional balance adjustments had been reversed.
Here is a description of the events in question : XX/XX/2020 XXXX ( XXXX ) XXXX XX/XX/2020 Provisional Credit Applied XX/XX/2020 Provisional Credit Reversed XX/XX/2020 Dispute Resolved in my favor XX/XX/2020 XXXX XXXX ( XXXX ) XXXX XX/XX/2020 Provisional Credit Applied XX/XX/2020 Provisional Credit Reversed XX/XX/2020 Dispute Resolved in my favor XX/XX/2020 XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2020 Provisional Credit Applied XX/XX/2020 Provisional Credit Reversed XXXX Dispute Resolved in my favor Based on what I witnessed I contacted Apple/Goldman on the following dates/times : XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Phone XXXX 52 Minutes Spoke to XXXX and XXXX XX/XX/2020 XXXX XXXX. Text XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Phone XXXX 14 Minutes XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX. Text XX/XX/2020 XXXX XXXX Phone XXXX 15 Minutes XX/XX/2020 XXXX XXXX. Text XX/XX/2020 XXXX XXXX Phone XXXX 42 Minutes Spoke to XXXX, Fraud Specialist XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Phone Call from XXXX 15 Minutes, Spoke to XXXX XX/XX/2020 XXXX XXXX Talked to XXXX XX/XX/2020 XXXX XXXX Talked to XXXX then Transferred to XXXX XX/XX/2020 XXXX XXXX Talked to XXXX, XXXX, XXXX As of now, they have admitted multiple times that a mistake was made and cant explain why my account has not been duly credited. What is really shocking is that Apple and Goldman are not able to connect me to a manager with the authority to fix my problem and it is clear that their " escalations '' go nowhere.
|
| 08/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I have a fraud alert on my credit reports due to prior identity theft that requires manual verification of my application submission through a process of calling me at a number listed in the alert to confirm that the application should proceed. This is not a freeze or lock.
I applied for the new XXXX XXXX through Goldman Sachs. Almost immediately I received a rejection due to being " unable to verify my ID. '' Typically this results in a " we need more time to evaluate your application, '' followed by a call from an issuer 's fraud department to confirm my ID using their internal verification process, then proceeding to process the application. Goldman Sachs did not attempt to verify my ID and immediately denied the application without following the instructions in the fraud alert.
I called into XXXX XXXX support, which ultimately ended up in an escalation to Goldman Sachs, who were unable to proceed and could not see the fraud alert on my credit report due to their automated system. Goldman Sachs was also unable to escalate the issue internally, denying that they had a fraud team capable of providing manual verification.
Worse, the XXXX/Goldman Sachs system publicizes an alternate identity verification process that includes taking a picture of your ID with the device you're applying from - this process was never initiated.
Goldman Sachs advised re-applying, so I did. After a second rejection, I again called Goldman Sachs, and again escalated through four people who were unable to even see the fraud alert, much less process it, and who then suggested that I should remove the fraud alert from my credit reports then re-apply - leaving my accounts unsecured/insecure.
For an issuer to suggest removing consumer fraud protections from a credit report because their automated system isn't properly built to handle fraud alerts. Past that, they're unwilling to follow established fraud protection procedures and have no manual process in place to validate consumer identity.
|
| 08/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
I tried to apply for the Apple Card Credit Card online on XXXX While filling out the application through my XXXX, I encountered a problem with my address. The application does not accept XXXX XXXX XXXX. I am a XXXX XXXX XXXX participant in the State of Minnesota, and have been for many years. XXXX XXXX XXXX is a confidentiality program designed to protect my physical address so that I can not be found by the person my life is in danger from. The legal address that I was issued by the Office of the Minnesota Secretary of State is a lot number with a XXXX XXXX XXXX. This is the address on my Minnesota State Driver 's License. My bank, doctor, school, and every company I have an account with uses my XXXX XXXX XXXX address as my legal address. I called the XXXX number and was connected with an Apple Card Credit Card specialist at Goldman Sachs . I explained my issue with trying to apply for the Apple Card online and was told that Goldman Sachs only accepts physical addresses as an address for the application. I explained that I was a XXXX XXXX XXXX Participant and all that entails, and I was essentially told that did not matter, Goldman Sachs only accepts physical addresses on applications. I told the credit specialist that I wanted to file a complaint because this seemed discriminatory. She had me talk to her supervisor, who told me the same thing, that Goldman Sachs only accepts physical addresses on applications. When I asked to file a complaint, she said she needed to look up my information first. I gave her the last four of my SS, my DOB, and name. She told me she could not find me anywhere in their system, and thus could not file a complaint on my behalf. She told me I could call Apple and file a complaint with them instead. After hanging up with Goldman Sachs, I called XXXX and spoke with a representative and told her what happened. She filed a complaint with Apple for my situation, but could not resolve the issue since Goldman Sachs will not accept my legal address.
|
| 04/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
On XX/XX/XXXX ( today ) I went to pay off my balance on my Apple Credit Card, and I opened up the app to make my payment and saw that it stated that my XXXX Balance was {$1400.00} and if I paid that amount I would not accrue any interest charges. However, due to a previous issue with interest and my Apple Credit Card ( where I had a carryover balance it didn't count in my payoff to not accrue interest ), I opened up the PDF statement they provide for XXXX and realized there are two issues.
First, the PDF statement says that my XXXX balance is {$1400.00} which is a different amount than the app told me was due ( {$1400.00} ).
Secondly, I had not paid off my entire balance the previous month, so even though it said I could pay off my XXXX balance to not accrue interest, that is incorrect, because if you look at the actual PDF statement, it shows that my " Total Balance '' is {$1700.00} due to my " Previous Monthly Balance ''.
When this happened last month I did briefly mention that I had paid off the amount the app listed so that I didn't accrue interest, so Apple refunded me {$25.00} out of the {$25.00} in interest I had accrued, but I was given no recognition of the issue or assurance that it would be resolved. That is how I knew to look out for it this month so I could gather enough accurate information to properly file this complaint.
I think this is an inherently predatory business practice that when you click to pay it states that paying off the previous months balance will mean you will not accrue interest even though I had a carryover balance. Apple needs to ensure that the amount displayed in the app for payoff not only displays the correct monthly balance, but that it also includes any previous monthly balance that may exist.
I have attached screenshots of both my XXXX statement, and from the app to show the issue ( with my name/email redacted ). However I am willing to provide any additional information that the CFPB may need to investigate the issue.
|
| 04/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
On XXXX XXXX XXXX XXXX, I received a letter from XXXX XXXX, a firm located in XXXX, FL. I initially thought it was a scam since I do not live, work, or have any contacts/close connections in the state of Florida. XXXX XXXX was informing me that I was being sued in the state of Florida and upon doing some research, I was able to confirm that on XXXX XXXX XXXX from XXXX XXXX XXXX XXXX had filed a lawsuit with the XXXX XXXX XXXX on behalf of Goldman Sachs Bank. Case # XXXX with judge XXXX XXXX, XXXX XXXX. This is a frivolous lawsuit as I do not live or work in the state of Florida. I am requesting the CFPB conduct a full investigation against Goldman Sachs Bank and assess fines for their unfair and illegal debt collection practices. The FDCPA is very specific in that a debt collector can only sue where the defendant currently resides. Under the Rules of XXXX XXXX, a Plaintiff wishing to sue must do so in the proper jurisdiction and venue, or county and state court. This helps ensure that Defendants are physically and financially able to attend court hearings and that Plaintiffs can not forum shop or choose the state where the law most favors them and then file their lawsuit there. The proper place to sue is the county and state where the defendant lives. Not only do the Rules of Civil Procedure apply to creditors and debt collectors who are filing a lawsuit, but the Fair Debt Collection Practices Act ( FDCPA ) and XXXX Fair Debt Collection Practices Act ( RFDCPA ) also require that lawsuits against debtors be filed in the county and state where the debtor lives. If Goldman Sachs Bank had a claim against me I should have been notified at my home address here in the state of New Jersey. I should have also been given the opportunity under FDCPA to have this debt validated/verified as I was a victim of fraud in XXXX. If XXXX XXXX who I dont know from a hole in the wall was able to notify me here in my home in NJ than so should Goldman Sachs Bank and XXXX XXXX XXXX XXXX XXXX
|
| 08/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Subject : Appeal for Disputed Transaction - XXXX Dispute case number : XXXX Transaction date : XX/XX/2022 Dear Goldman Sachs Apple Card Customer Support , I hope this message finds you well. I am writing to appeal a recent decision regarding a disputed transaction made through my Goldman Sachs Apple Card. The transaction in question is related to a purchase that was made from XXXX, an online service provider.
To provide you with an accurate overview, I mistakenly filed the dispute as " item not received '' instead of " unauthorized transaction. '' I apologize for any confusion caused by this error. The transaction in question, amounting to {$560.00}, was unauthorized, and I did not initiate or authorize this payment. I re-read the documentation that was supplied by merchant and I noticed that cardholder name and billing address on their file does not match my current file with Goldman Sachs.
Upon realizing my mistake, I promptly contacted XXXX to rectify the situation. However, they have been unresponsive, which further strengthens my belief that this transaction was indeed unauthorized.
I kindly request your assistance in reevaluating my case and reconsidering the denial of my dispute. I understand that Goldman Sachs Apple Card takes customer satisfaction seriously and values its customers ' trust. As a loyal customer, I trust that you will thoroughly review my case to ensure a fair and just resolution.
I apologize for any inconvenience caused by my initial misclassification of the dispute. I genuinely believe that this transaction was unauthorized, and I am hopeful that you will reconsider your decision based on the updated information provided.
I appreciate your attention to this matter and your prompt response. Please do not hesitate to reach out to me if you require any further information or clarification. I look forward to a favorable resolution to this dispute.
Thank you for your understanding and assistance.
Sincerely, XXXX XXXX ( XXXX ) XXXX
|
| 12/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/23, I placed an order for a new XXXX, with a total cost of {$1500.00} using my Goldman Sachs Apple credit card on file. The order was placed via Apple 's official website and was processed for installment payments. The delivery was scheduled for an unknown TBD date in the future- as is often the case upon the early release of new XXXX
I require signatures for delivery of high value items such as the XXXX, however, I was only notified of the delivery AFTER the courier company ostensibly performed the delivery. I was NOT at my residence, an open-air apartment building, at the time of the supposed delivery.
I received an email notification from the courier stating that the package had been successfully delivered to my address. To my shock and dismay, I never authorized such a delivery, nor did I receive photographic evidence ( or any other form of evidence ) to substantiate the claim that the parcel was in fact delivered.
Upon arrival at my apartment residence to retrieve the parcel, there was no proof of delivery at my doorstep or in my mailbox. I immediately contacted Apple and filed a complaint regarding the missing delivery.
I have also reported the incident to the local police department, and a copy of the police report has been submitted to Goldman Sachs and Apple.
At this juncture, I have been abundantly patient, but am now eager to resolve this situation as swiftly as possible currently, this process has been dragging on for months. And it has become increasingly obvious that other consumers such as me are being left in a never-ending loop.
There are seemingly few protections in place to guard injured consumers in this situation. As such, I am alerting other consumer protection agencies to bring attention to this unjust situation.
Unfortunately, as a consumer, it appears there may be a direct conflict of interest between the Apple Card userbase experiencing such concerns and the financial entanglements between Goldman Sachs and Apple.
|
| 05/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I bought a sofa from XXXX. they delivered me the incorrect sofa model and color. I called them to report the issue and so far they have not send no one to pick up the wrong one and send me the correct one. I have disputed the charges for {$2100.00} plus interest with apple card ( Goldman Sachs ). they never sent me any status o my dispute and they have keeping posting again the charges on my account. they not helping me at all, with this scam.
Second complaint : Company responded : Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/XXXX. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX ( the Customer ). The Customers concern references a transaction dispute with the merchant, XXXX, in the amount of {$2100.00}. The Customer initially stated the merchant shipped an incorrect item. The merchant voided a return refund, as the Customer opened a transaction dispute with the Bank. The Bank initiated a three-way call with the merchant and the Customer to facilitate a return of the incorrect merchandise. The merchant advised they are able to schedule a pick-up of the merchandise for the Customer, once the dispute is resolved. The Bank has resolved the dispute in favor of the merchant, as the merchant has agreed to arrange for a merchandise pick-up for an exchange or return. The Customer is requested to contact the merchant in order to schedule a pick-up for the returned item. Based on the above details, we kindly request this complaint be closed.
Goldman Sachs is in violation of my consumer rights. this issue I had to deal with it has been for the past 9 months. I never agreed to this terms ( Please request recordings of our interactions ). I have tried multiple times on returned the merchandise e and they always lie to me saying they going to send someone to pick up the sofa and they dont send no one.
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I was e-mailed a promotion on approximately XX/XX/23 from Applecard that said, " sign up for an Applecard, spend {$1000.00} within 90 days, and then receive {$150.00}. '' I signed up for their card through the e-mail they sent to me around XX/XX/23. I was immediately approved that night through their e-mail link. A couple days later I got another e-mail stating my physical card was on its way.
I received the Applecard and spent the required {$1000.00} within 60 days. I then expected to see the {$150.00} cash back offer credited to my account after I paid off my bill. When it was not, I e-mailed them and then called Goldman Sachs. First they told me they would take care of the problem in two days, then 14 days, each time nothing was resolved.
Now the latest is they want me to reproduce the original e-mail that they sent to me before they will credit my {$150.00}.
Nowhere I was told that I needed to save this original e-mail and that I would be required to reproduce it as proof for my credit. My Apple e-mails automatically delete in my account after 30 days and this request makes absolutely no sense to me at all? I heard about the offer and applied for the credit card through their e-mail in the first place. I deleted it because I was already approved for the card.
The only e-mail I could come up with is the one they sent me a couple of days saying my physical card was on its way.
I have contacted Applecard several times and it has gotten more frustrating each time. I have talked to multiple managers who truly understand my situation, but have done nothing solve the problem. The people at Applecard clearly know the dates this promotion was going on and that I held up my end of the agreement within the required time frame.
I have contacted my State Attorney General Office, who passed it to the Federal Reserve Consumer Help, who have recommended that I contact you.
I really hope no one else is dealing with Applecard 's fraudulent and deceptive practices.
|
| 03/03/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/XXXX, I activated an offer for my Marcus Savings Account to receive a {$100.00} bonus after depositing {$10000.00}. I made the deposit and was cleared for the funds. A CD then matured a few days later and the funds were moved to into my savings account. I transferred some funds to an external account and took {$15.00} too much so I only had {$9900.00} left from my initial deposit. Realizing that the offer would be inactivated I called immediately on XXXX and they tried to put a stop to the transfer, but said it was too late even though it was mere minutes later. I then continued to transfer more money out of the account since I saw the offer was no longer active.
After talking to customer service again I realized that the offer was running until XX/XX/XXXX so I could still qualify. I reactivated the offer on XX/XX/XXXX and attached is the email confirmation. I checked my account and it showed my offer was active so on XX/XX/XXXX I deposited the {$10000.00} to clear the threshold again. I checked my account on the XXXX and realized the offer was gone. I then called customer service and was assured that as long as I had the confirmation email I was fine and they saw the {$10000.00} threshold was met. They told me someone on the promotions team would reach out in 1-2 days.
I then did not hear back from anyone for the next 10 days and placed 7 calls to customer service on Friday XX/XX/XXXX. I finally got someone on the promotions to give me a call back, but it was an inopportune time and all I learned was that they voided my offer because of previous transfers. There is no mention of previous transfers in the conditions of the offer and I raised my balance by over {$10000.00} with new funds post activation. Since activating the offer I have not issued any withdrawals as well. Upon calling back customer service two more times I had a 35 minute conversation with a considerate associate named XXXX who told me that they are unlikely to honor the offer.
|
| 11/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
Older American |
|
Hello!
XXXX. I am XXXX XXXX, I live in XXXX NY, XXXX XXXX in the rural area blanketed by snow and ice and really cold weather in XXXX and XX/XX/XXXX and now again in XX/XX/XXXX. FEMA approved me as an individual victim of the Deadly winter Storms of XXXX FEMA Disaster XXXX, but, Apple Titanium Credit Card run by Goldman Sachs does not know how to give me a three month hiatus on payments to them nor the 3 months of interest and late charge free benefits as a victim of these National Disasters.
2.Plus, I am XXXX and they do not allow me to request a " reasonable accommodation " under the law as a 100 % XXXX person. That is a violation of the XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Goldman Told me I am crazy and not allowed to get any benefits.
XXXX, Plus, as a Senior XXXX person in XXXX, I am allowed to request special services so when I am injured as I was recently, I can get a waiver of interest and payments in a special assistance plan, which apparently I dont qualify for because Goldman told me that they do not help XXXX people in the Apple Credit Card program.
XXXX the Apple Titanium CC program joint venture apparently has been dissolved by Goldman so there are NO more phone calls servicing available I have spent the past year calling these people and the Supervisor line is non existant anymore. I want a courtesy inconvenience credit for failing to answer at least thirty phone calls per day for the past month of XXXX..
So, I expect to recover from the Disaster and my injury in the next few months, No one in Goldman knows how to apply Disaster Relief nor XXXX Relief under XXXX nor acceptance into any program to waive fees and interest for three months as the law states.
Can you help me convince Apple and Goldman that XXXX people stuck in the Disaster Area with ten feet of snow need a helping hand?
The FEMA Disaster Approval code for these winter storms is XXXX. as well as a second disaster in XX/XX/XXXX. I filed complaint for disaster aid # XXXX
|
| 07/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
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Web |
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On XX/XX/XXXX, I received a letter that CFPB that there was a settlement with GreenSky LLC. The letter guidelines said to go to a secured website www.greenskyprogramsettlement.com in order to apply to see if I was eligible for compensation. On XX/XX/XXXX, I received a check of {$24000.00} that was erroneously addressed, my name was incorrect. Since my name was addressed wrong, my bank would not accept the check. The check only had two last names, in wrong order and did not include my first name. I have never paid my account and my account was never set-up with the two last names in the wrong order and I always paid with my first name and last name, not the two last names in wrong order.
I called on XX/XX/XXXX and I was told to submit an inquiry at XXXX. I also called and spoke with XXXX and she told me to send documents with my correct name and to void the check in order to process a new check. I sent via mail per their request on XX/XX/XXXX and on XX/XX/XXXX I also sent via email. I never received any responses via mail or email. I sent via email multiple times documents that showed my name on payments and their letters that showed my correct name. I continued to call the XXXX to get updates and all the people I spoke with said to wait 3-4 weeks.
XXXX ( account rep ) told me on XX/XX/XXXX said that Greensky is not authorized so they can't change the name and to call Greensky directly, so I called GreenSky and they also told me that they can't help me. Finally on XX/XX/XXXX per another conversation with XXXX ( another rep ) requested that I write another letter to explain my situation again. My last call was on XX/XX/XXXX and XXXX said that she would investigate on Friday or the following Monday but I never received a call back. I proceeded to send another email on XX/XX/XXXX. Please help me, I have not had a response, my account was never set-up with these two last names in wrong order and without my first name. I still have not received a new check.
|
| 11/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
My son is in the XXXX stationed in XXXX. This morning I tried to buy him a plan ticket to come home for XXXX.
Tried 3 times and kept getting a time out due to payment issues. Originally tryin to purchase a flight for {$1100.00}.
Contacted Apple Card and asked if they were declining payment for some reason and they stated they were not. Which I believed because I was not getting a message stating they were.
Found a flight for {$950.00} and tried again and same issue.
On hold with company for hours and they told me Apple was declining payment. I told them Apple was not declining payment.
Tried a different company and the charge was declined but this time I got an authorization stating was declined and I was able to approve purchase but had to rebuy. Second time it went through.
Tried to purchase insurance due to COVID issues and my card declined that purchase so many times that I was no longer able to purchase insurance.
Because my card was declining purchases it cost me an additinal {$200.00} dollars for the flight and I am not insured ( meaning I can't get {$1100.00} if something happens and he can't come home ). The insurance was only about {$98.00} dollars that was declined so many times that my ability to buy expired.
I tried contacting Apple Card twice about this issue and was ignore both times after message of please wait while we look into this issue.
My credit limit is {$30000.00} with available credit of almost {$30000.00} this morning before I finally got a charge to go through. I also use this card exclusively.
I am real upset for the following reasons : 1. I called and was told my card was not being declined when it was.
2. I was on hold/phone for over 5 hours before it was verified that my card was declining the charge.
3. Ticket cost me an additional {$200.00} due to Apple Card declining charge.
4. Unable to purchase insurance due to Apple Card declining XXXX dollar charge even though I authorized it multiple times.
|
| 04/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
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|
In XX/XX/XXXX I opened an Apple Card credit account with Goldman Sachs ( GS ). Initially I was assigned a credit limit of {$500.00}, which was eventually increased to {$1500.00}. In the time since I opened this account, I have never had a single late payment. Almost every month, I have paid my balance in full, and throughout each month, I have made multiple payments because my spending well exceeds my limit. On average, I have spent anywhere between {$3000.00} and $ XXXX each month. During calendar year XXXX, my spending was {$23000.00} with no missed or late payments.
Today, out of the blue, I received an email from GS indicating my credit limit was reduced from {$1500.00} to {$500.00}, thus essentially rendering the card useless. The explanation given was a charge of and delinquency with other creditors.
Several weeks ago I discovered a handful of accounts on my credit report that do not belong to me ; they were fraudulently opened without my knowledge or consent using an old home address in Maryland. I have since disputed these accounts with the CRAs and completed an identity theft report.
When I contacted GS to explain the situation, i was told there was nothing that could be done to reinstate my credit limit because these decisions are made by AI, and everything is automated.
My account history with GS has been exemplary. The credit limit prior to being reduced was rather modest at {$1500.00}, and it represented a very minuscule risk to GS, especially given my proven payment history. There is very minimal risk of default. Moreover, it was implied that if the balance on my Apple Card was higher than it was at the time the limit was decreased, GS would likely not have decreased it or would have only decreased it by an amount just above the balance. Not only have I been penalized due to delinquent accounts appearing on my credit report that are not mine, but Im also being penalized for making consistent payments and keeping mt balance low.
|
| 10/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have submitted complaint through this platform once already and gotten no resolution from both the creditor and the credit bureau. The account by Goldman Sachs on my credit report is an account that was opened fraudulently and now I am a victim of identity theft. I have tried tried to fix this with both the creditor and the credit bureau. While both companies have made no effort to resolve this I am having to submit other complaint. I received information from the creditor that the proof that they have that this account belongs to me is based on a phone number that it is not mine, an email address that is not mine and an IP Address that is not mine. I have have sent both the creditor and credit bureau supporting documents showing that this account doesn't belong to me. I have sent a copy of my phone bill which has a different number than this creditor has on file. I have sent a copy of my email address information which has a different address than what the creditor has on file and contract that shows i've had this email address for over 15 years. I have sent a copy of my IP Address from both my cell phone and personal computer and this shows a different IP Address than the creditor has on file. I have also filed a police report and identity theft report with the FTC in addition to all of the other documents that I have sent. I find this outrageous and completely illegal because all of this evidence that I have provided clearly shows that this account doesn ; t belong to me and that someone stole my identity in order to defraud this creditor. Neither the creditor nor the credit bureau are following the law and are totally violating the Fair Credit Reporting. My next step since I am running out of options is having to file a lawsuit against both the creditor and the credit bureau. This is affecting my credit negatively and I am trying to purchase a new vehicle and so this is absolutely affecting my life and it needs to be resolved immediately.
|
| 04/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
On or about XX/XX/2021, on a routine visit to a local animal hospital for my XXXX XXXX XXXX cat XXXX to be seen for the first time since moving to XXXX XXXX from XXXX XXXX, the vet mis-prescribed her, as the vet ( in his own words ) stated " he didn't have the time to read her past medical history as he was too busy '' killed my cat by prescribing her the wrong medication. I was charged {$750.00} by the vet, ( XXXX XXXX XXXX in XXXX, NY ) on XX/XX/2021 on my Goldman Sachs Apple Card and was charged a duplicate amount of {$820.00} on XX/XX/2021 by the same animal hospital when I got my cat XXXX back in ashes as she had to be cremated. Nothing short of DISTURBING as this animal hospital is now being investigated for animal cruelty by the State of New York for what they did to my cat.
Having said the above, I immediately contacted Goldman Sachs Apple Card the very day my cat XXXX passed away in the hands of a so called " doctor '' who committed medical malpractice. Goldman Sachs Apple Card representatives were mortified of what had transpired and immediately helped me dispute my 2 changes stated above. Within a few weeks the one {$820.00} provisional credit was made permanent on my account. Then, for some reason, the charge of {$750.00} did not become a credit back onto my account. As I type you today, I've spoke to the Goldman Sachs Apple Card representatives over the phone on numerous occasions on the reason why my refund of {$750.00} has not been made final and they don't have an answer for me. Same merchant, same charges, but one gets fully approved in my favor and the other is still a mystery in the making? I keep being told that the original Goldman Sachs Apple Card representative who disputed both of the charges for me on the day my cat XXXX was killed by the vet had " miscoded '' the {$750.00} charge thus the reason one refund got approved and the other one is still pending FIVE MONTHS AFTER THE FACT?
I want my {$750.00} refunded NOW!
|
| 07/30/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I am a client at Marcus by Goldman Sachs. I have been trying to transfer approximately {$7900.00} to my XXXX XXXX XXXX and XXXX XXXX XXXX accounts. On XX/XX/2023, I attempted to transfer all of my funds outside their institution. On XX/XX/XXXX, I was notified that my transfers have been reversed and I will not be able to have access to my money. When I tried to solve this issue online, they told me that I needed to call. So I did. After speaking to their representative, they told me that I would not be able to transfer my funds to another institution for at least 90 days unless it was transferred to the SAME accounts where the funds originally came from ( i.e. back to the bank of origin when the funds were originally transferred to Marcus ).
I added those bank accounts again since my partner was the one who made the initial deposits into Goldman Sachs, but I was given pushback yet again. First, they require me to log in to my XXXX XXXX XXXX online ID and give them all my bank account information, but then they rejected the link I was attempting to make, taking all my precious information while they were at it. Then, they prompted me to enter the account and routing numbers manually which I did. When I added XXXX and XXXX, they told me that I needed to wait yet ANOTHER XXXX days to verify the test funds that will be ( hopefully ) deposited into the XXXX XXXX so then I can make the outbound transfers.
This is completely unacceptable. They are purposely making it unnecessarily difficult to transfer funds outside of Marcus when they marketed their products as liquid. We keep encountering roadblocks to receiving our money and have been duped into believing that our money was safe and easily accessible. That is not the case. We are requesting a full withdrawal of our funds so we can close our accounts. We do not believe Marcus does business in good faith, and are taking advantage of consumers by not letting them have access to their funds.
|
| 04/28/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I want to make a truce with Goldman Sachs over this mess they have put me through since XX/XX/2022. I dont agree with them and I know how many disputes that were resolved in my favor and it was fraud. My nerves can not take anymore of this I just want to be done with it. I have never filed a dispute in my life and I am XXXX XXXX XXXX and have had charge cards for a long time. I also have never sued anyone in my life and dont think I could get through that without having a breakdown. You do owe me and you are in the wrong but I am done. I just wish you would have looked at what I sent and you did not. You didnt even attempt to compromise on anything that I asked. I did get that independent audit of my account and the numbers are correct with what I sent you! You do owe me {$17000.00} + but I cant take anymore of this. If you could at least take care of those last 5 disputes so I dont have to worry anymore about it, that would make me happy!
I have money so the loss of the money wont hurt me, I just dont like being taken advantage of.or have the feeling that you dont believe me. You wouldnt even admit to the {$1000.00} charges and there were 13 of them. I have the receipts for those and so do you and they were resolved in my favor and never credited to my account along with those several {$530.00} ones.
You have a lot of work to do to make your charge card operation work. Your managers and others need a class to help them deal with customers.The wait time to take care of your customers needs a lot of work. I will never have another charge card from you thats for sure.
Its not in me to be so hateful but you made me so mad. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We XXXX have big hearts and love what we do! So my apologies for being so rude. My son-in-law is a XXXX so I know my rights and I know I have enough evidence to use against your bank but I cant do it!! I just want it over with. Its been a nightmare for me!!
|
| 08/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I purchased an XXXX XXXX XXXX laptop from Apple.com using my Apple Credit Card ( provided by Goldman Sachs ). I have had technical issues with the laptop. Unfortunately when trying to resolve my technical issues during COVID-19 all of the local apple stores and depots were closed. I tried returning the laptop for full refund given that it was not functioning as described. However given the date Apple refused to take back the purchase. On XX/XX/XXXX after receiving no resolution from the merchant ( Apple ), I went to my Apple credit card Goldman Sachs and asked them to dispute the card. I wanted to be able to return the laptop for full refund or have the full amount credited to me on the credit card given that my defective laptop was being rejected. One important reason I need a functional laptop is that I use it for work at home as a XXXX. I have both texted with and spoken to Goldman Sachs representatives for months. My dispute was closed first on XX/XX/XXXX stating that I should just return the laptop. I called that day to customer service to explain that Apple was refusing my return based on purchase date. I was told they would reopen the case with that information. The following day I was told that my dispute was again closed for the same reason. I have never been able to speak to the same person twice about this. On XX/XX/XXXX I again reached out to Goldman Sachs to speak to a supervisor to explain that Apple is not letting me return but Goldman Sachs is demanding that I return the item. This circular thinking is putting me, the customer, into a situation that I can not win. Goldman Sachs and Apple are practicing in a way that is very anti-consumer. I simply can not win the maze of auto-robot replies and constant changing of customer service individuals. To summarize simply, all I want is a full refund on my product any way possible - either returning directly to apple or as a refund on my credit card via Goldman Sachs.
|
| 03/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Servicemember |
|
XXXX XXXX AND Goldman Sachs Marcus just completed a transfer of the XXXX XXXX ( Credit Card ) and the servicing has been horrendous.
First - notifications of change in servicing was late ( letter received XX/XX/XXXX for a XX/XX/XXXX change in card ownership/servicing ) providing NO ability to serve the card at XXXX XXXX OR GS Marcus either online or through their customer service lines.
Second - GS online servicing is a poor excuse for a servicing capability and is significantly worse than XXXX XXXX. When trying to view authorized users to see if one of my kids is still on the account as an auth user after they got a notification from XXXX XXXX about them being a new authorized user ( incorrect... they had always been an authorized user on our XXXX XXXX ) ; the GS Marcus website stops responding - this occurred. When attempting to call- they're still over 30 days after transfer - providing a message of significant delays in servicing because of call volume. To boot, there appears to be no way to download transactions.
Third - I believe their marketing material is misleading to the point of UDAAP violations given the lack of transparency that they have significantly reduced servicing capabilities in comparison to XXXX XXXX.
Goldman Sachs is all sizzle and no steak and it appears to be all about the money. If you're not watching what they're doing here - you should.
While I wanted to maintain a relationship with XXXX XXXX and the XXXX XXXX- the inability for me to conduct basic servicing capabilities has me removing the card from my wallet.
Taking this card out of rotation is a choice I feel I'm being forced into making on a card I opened back in XXXX ; so this isn't only extremely inconvenient, but I'm having to do it with one of my oldest cards which may have detrimental impacts on my credit score.
Others finding themselves in the same situation may not have the flexibility or privilege of multiple cards to swap in like I do.
|
| 06/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Someone took my wallet, and other merchandise at XXXX XXXX XXXX about 3-4 weeks ago. I have had my cards compromised, and as a result, my XXXX XXXX XXXX has been taking as well too. I have a credit card thru apple goldman sachs. I have paid over {$1000.00} dollars in the past two to three months paying triple the amount of the monthly limit, and now they will not activate my card knowingly I dont have my XXXX, and even when I had the phone will not unrestrict the card because XXXX XXXX and his family have been slandering my name, causing complete madness in my life out of jealousy and greed. I cant get goldman sachs to unrestrict my account because they keep telling me the only way to unrestrict the lost card which they replace for me three days ago is to verify my indentity thru my XXXX which I cant do because somestole that device, and now they keep threating me to pay and yet will not allow me too use my card when I have XXXX left revolving credit out of people, XXXX XXXX, XXXX XXXX, and XXXX XXXX have stolen my passwords by installing wifi cameras in my office, and have slandered my name so bad that they will not unrestrict my card unless I give the a temp pass code sent to my XXXX knowingly it was stolen with my wallet. I have called numerous times too goldman sachs thru my business telephone number XXXX XXXX XXXX thru XX/XX/2021 thru XX/XX/2021. They make me verify my identity over and over and never unrestricting my account and giving me access too my credit card so I can replace my phone, pay my liabilities too my business, and purchase the home that I was in the process of buying from my sister fiance name of XXXX XXXX. His siter and cousin have tampered with my business accounts, have put cars in the garage so I can operate my business and have tried too make me fail, and now have tampered with my personal lines of credit and will not allow me too use my card trying too make me fail, and goldman and sachs will not listen too me.
|
| 08/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I have been trying to resolve with Goldman Sachs since XX/XX/2023. On this date, I disputed a charge of {$66.00} from XXXX XXXX. However, on XX/XX/XXXX, I was informed that the charge would remain on my account.
In response, I requested the case to be reopened on the same day. On XX/XX/XXXX, I provided additional evidence, including confirmation from the merchant that the transaction was unsuccessful. Despite this, on XX/XX/XXXX, Goldman Sachs maintained that the charge would remain on my account.
On XX/XX/2023, I once again requested to reopen the case and provided further information to Goldman Sachs. Yet, on XX/XX/2023, I was informed again that the charge would remain on my account.
I escalated the matter and spoke to a supervisor named XXXX. She informed me that they had not received any documentation from the merchant to support my claim for the {$66.00}. XXXX also stated that I had not provided evidence that the reservation was cancelled. I clarified that there was no cancellation because both the merchant and the website confirmed that the transaction was unsuccessful.
Recently, I informed the merchant that Goldman Sachs confirmed the transaction went through on their end. However, the merchant has refused to respond to my communications. It is also worth noting that Goldman Sachs has refused to take into account the confirmation from both the merchant and the merchant 's website that the transaction was unsuccessful. Instead, they are solely accepting the merchant 's terms and conditions.
Despite providing screenshots as evidence of the unsuccessful transaction, Goldman Sachs has refused to refund me for services that were not rendered. I believe this to be an unjust situation and I am seeking your assistance in resolving this matter.
Sincerely, XXXX XXXX XXXX : Timeline and Evidence sent to Goldman Sachs on XX/XX/2023.
|
| 08/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/XXXX Ref : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Exp. XX/XX/XXXX To whom it may concern.
I traded in my XXXX old XXXX XXXX, and I have attached emails from XXXX regarding the trade-in, which offer complete confirmation.
Attachment # XXXX Upon receiving emails from XXXX that confirm the trade-in, I proceeded to cancel the XXXX coverage with Theft and Loss Protection for all XXXX XXXX XXXX. Subsequently, I obtained refunds for these cancellations from XXXX. Please refer to the attached emails from XXXX for verification.
Attachment # XXXX Nevertheless, Goldman Sachs credit card has been consistently imposing unreasonable charges on me since the cancellation of the XXXX insurances. These charges have been recurring on a monthly basis. Kindly review the provided statements for further clarification.
Attachment # XXXX I initiated disputes and submitted all relevant emails as evidence to Goldman Sachs through both their chat service and certified mail to their headquarters. While they initially issued credits, they have persistently continued to levy charges for the canceled XXXX insurances in a recurring manner. Please refer to our chat history and the proof of service documents for verification.
Attachment # XXXX and # XXXX Please help me halt the unauthorized charges for all XXXX of my cancelled insurances. During my recent interaction, I devoted around XXXX and a half hours to a chat session with Goldman Sachs. Unfortunately, I was repeatedly transferred between representatives, and each time, I had to reiterate the entire situation. Despite my persistent efforts, no headway has been achieved. This situation feels like a form of teasing and unjust treatment. Regrettably, I find myself incapable of attaining justice independently, and I am earnestly hopeful that your Bureau can undertake an investigation. I extend my gratitude in advance for your assistance.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
|
| 11/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2020, I purchased a XXXX XXXX XXXX XXXX carpet cleaner from XXXX XXXX XXXX for {$190.00}. Payment was made via XXXX with my Goldman Sachs Mastercard as the funding source.
On XX/XX/XXXX, when I did not receive a shipping confirmation from the vendor, I replied to the order confirmation email inquiring if the carpet cleaner had shipped.
After waiting 3 weeks for a response, I filed a claim with XXXX on XX/XX/XXXX. The claim was denied on XX/XX/XXXX because, they said, the seller had provided shipping confirmation.
My XXXX statement shows the charge was made to my account on XX/XX/XXXX, the day the order was placed. However, payment was NOT made to the company, it was made to an entity named XXXX with a seller name of XXXX XXXX XXXX and an email address of XXXX.
The shipping information indicates it was shipped on XX/XX/2020 via XXXX which, coincidentally is the same date XXXX denied my claim. The XXXX tracking number provided by the seller is XXXX. I went to the XXXX site and entered this number and it shows the item was NEVER DELIVERED. It also showed the weight of the package at 13.6 lbs. The unit weighs 26.3 lbs per the manufacturer. Per the XXXX website, it seems to have gotten lost somewhere in XXXX, PA It has been more than 120 days, so this information is not readily available on the XXXX website, but I do have a screenshot that I can provide ( see attached ).
In addition to the suspicious name change and offensive email address, when you try to go to their website now, it seems it has been taken down. My virus protection software cautioned me not to proceed beyond the warning window.
I have made 1 failed attempt with XXXX and 3 attempts to resolve this issue with Goldman Sachs and provided proof of all statements made above. They continue to refer it to their " disputes team '' who have rejected it twice based on the same doctored pdf document provided by the vendor showing that XXXX delivered the item.
|
| 05/08/2023 |
No |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/2023 I opened an Apple Savings Account and linked an external bank account ( XXXX ) to fund the Apple Savings Account in the amount of {$160000.00} USD. On XX/XX/2023 I withdrew {$5000.00} USD back to the funding account, leaving a balance of {$160000.00} in Apple Savings. On XX/XX/XXXX an interest payment was added to the balance in the amount of {$210.00}.
The current balance of the account was now {$160000.00}.
I made the decision to move this full amount into another bank ( XXXX ) that provided a higher yield XXXX vs XXXX. The new savings account was opened XX/XX/XXXX and they deposited micro deposits to verify my ownership of the Apple Savings prior to moving the funds. After verifying, the new higher yield savings account ( XXXX ) attempted to fund the account the balance {$160000.00} which resulted in Apple locking my Apple Savings account. I contacted Apple Savings and they said they were unable to process this transfer and that I would only be able to withdraw all funds back to my original account that funded my Apple Savings ( XXXX ). Apple Savings unblocked my account and I was able to submit a request to withdraw my funds.
I processed this withdrawal request on XX/XX/2023. The Apple Savings account immediately went to a {$0.00} balance. Since the withdrawal request, I now randomly get notifications from Apple Savings saying my account has been locked/restricted which require me to be on hold for hours a time, being passed off from agent to agent while they investigate with no real explanation as to why my account is being locked.
As far as Apple Savings is concerned per my last call on XX/XX/XXXX, the money from the XX/XX/XXXX withdrawal request has left their system. It's now XX/XX/XXXX and the receiving bank ( XXXX ) still sees no trace of the ACH being sent from Apple Savings ( I contacted them to verify ). So now I'm stuck with no access to my $ XXXX which is in limbo, with no interest being accrued.
|
| 12/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I have received 8 e-mails, one every 2-4 weeks since XX/XX/XXXX " Important news : XXXX, you're now eligible to reapply. '' Bank began sending these emails every two weeks reminding me of my eligibility to apply for their loan products, last " reminder '' email came on XX/XX/XXXX My last application was XX/XX/XXXX, it was declined On XX/XX/XXXX, I logged in and encouraged with some additional income coming to me and wanting to apply for a loan to continue rebuilding my credit, I took Marcus by GS Bank up on their offers and checked my eligibility.
I increased the household income to include my boyfriends salary as we live together now.
{$110000.00} to {$170000.00} I changed the address on my application and account during the process today online ( XX/XX/XXXX ) From XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX to XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX.
The ZIP code while fairly close together have significantly different overall per capita incomes and demographics.
I was only given " Time since decline too recent '' as the reasoning for declination on this application, electronically and over the phone The operator I spoke to ( XXXX ) was only able to provide me with the reasoning defined in my Adverse Action letter from XX/XX/XXXX, I was attempting to apply within some arbitrary three month window that I was unaware of based on any available information from Marcus, in writing or online.
I only applied after a considerable marketing full court press from Marcus by GS.
After receiving four of the aforementioned emails did I finally apply Then declined or even considered because of this arbitrary time limit.
I have about {$260.00} in savings there, with direct deposit set-up to send {$260.00} bi weekly for an emergency fund.
I have not stopped this direct deposit and will maintain my business with them based on how they respond to my complaint.
They offered to " opt me out '' of further mailings, I declined the offer.
|
| 01/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
On XXXX XXXX I decided to buy an pohne XXXXXXXX XXXX XXXXXXXX as a gift for my mom for XXXX XXXX. I decided to pay installments with my apple credit card. I paid {$100.00} on XX/XX/XXXX.
On XX/XX/XXXX, I paid off the current balance of {$380.00}. On XX/XX/XXXX I received a charge for the first installment of {$54.00} which I paid the card again with {$200.00} more and they received the money on XX/XX/XXXX. I kept making payments on time at the end of the month to avoid charges on APR. On XX/XX/XXXX I paid off the balance plus I paid {$500.00} towards the installment. On XXXX I contact them because with all the money paid I realized they were charging me more and the amounts did not match. They had me on the chat until 2 am and then they closed the chat. On XXXX I contacted them again and spent 4 days telling them if was their mistake because the amount they think I owe is not true. At the end they hung up saying that I owe what is says. Today I contacted them again, and the problem continues.
If I financed {$1200.00}, and I have already paid 9 months of {$54.00} since XX/XX/XXXX that means I have paid {$480.00} so far plus adding the {$500.00} I paid in XXXX that is a total amount of {$980.00} If you calculate : {$1200.00} - {$980.00} = {$310.00} ( this is the total I owe them to pay off the phone ) and not {$430.00} as they keep saying.
I feel they never applied the proper charges to the account making a mess and are making me pay more. On XXXX I sent a letter with all the statements and payments because they did not want to provide their name on the chat and deny to provide a fax number and emal to send the papers. I do not feel I owe more money and if they made this worng. it is their mistake and their problem. I am havign track o what I have paid and they do not want to listed. I feel they are overcharging more money and even if they say I did not paid until XX/XX/XXXX which is not true, I still do not owe more money.
|
| 11/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Attached you will find screenshots pertaining to my dispute which you continuously dismissed without looking over the evidence that I have which is overwhelming, If you are too lazy to look over the 29 screenshots provided. You can just open the file titled XXXX Acknowledgement which clearly shows that XXXX verified that they processed my refund. On XX/XX/XXXX I made a purchase utilizing my apple card on XXXX. The purchase was from a third party seller. I never received my item that I ordered. Instead of going to Apple Card Support. I initiated a A-Z claim on XXXX which would allow me to resolve the issue with the seller. The seller told me to deal with XXXX who would then conduct an investigation. I contacted them multiple times and have screenshots of all the correspondences which will be attached for your reference. I then opened a dispute with Apple Card in order to get this resolved. They never asked me for evidence and I got the dispute resubmitted 3 times all hoping that they would ask for my evidence which clearly shows that I was supposed to be refunded by XXXX. One screenshot even has an XXXX employee who sent an email confirming that they refunded me the full amount on XX/XX/2020. I called XXXX Support and spoke to XXXX who confirmed to me on the phone and also provided me an email for Goldman Sachs ' reference. It appears that my dispute was repeatedly denied without asking for any evidence. Since Goldman Sachs refuses to ask me for any evidence. I find it necessary to open a CFPB complaint against them so they can look over my information. I reiterated to them that I have clear and concise proof that a refund was supposed to be issued to me. Most recently, today I was reffirmed to have gotten the refund. The first screenshot shows an XXXX representative stating explicitly that an additional refund is not possible which implies that a refund was processed. Otherwise, they would not have used the word additional.
|
| 08/17/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Dear Sir/Madam, I am writing to file a complaint against Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX regarding a transaction issue I have been experiencing.
In XXXX, I opened both a checking and savings account with XXXX XXXX. I initiated two transfers of {$500.00} each, one from my XXXX account to the new XXXX XXXX checking account and the other from my Apple Saving account ( managed by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch ) to the XXXXXXXX XXXX saving account. Not long after, XXXXXXXX XXXX terminated both of my new accounts. While I received a refund notification for the checking account, and indeed the {$500.00} was returned to my XXXX account, the same can not be said for the {$500.00} from my savings account.
I promptly visited a local branch of XXXX XXXX to inquire about the missing funds. The bank personnel informed me that the money had been withdrawn from XXXX XXXX and should now be in Goldman Sachs Bank. Acting on this advice, I contacted Goldman Sachs, where I was told to wait several more days for the funds to reflect in my Apple Saving account. However, after waiting for over 14 business days, the funds have yet to appear in my account.
This situation has caused me considerable stress and inconvenience, and I have undertaken due diligence in liaising with both banks to no avail. As a consumer, I trust financial institutions to manage transactions efficiently and transparently. In this instance, there appears to be a discrepancy that neither institution is willing or able to rectify.
I kindly request the CFPB 's intervention in mediating this matter to ensure a fair and timely resolution. Attached, please find relevant documentation, including transaction records, email communications, and notes from my interactions with both banks.
Thank you for your attention to this matter. I look forward to a positive resolution and appreciate the CFPB 's assistance in this regard.
Sincerely
|
| 04/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have spoke with numerous XXXX agents as well as Apple Card agents from Goldman Sacs Bank USA to get these account review inquiries removed from my XXXX credit report, and have had no success whatsoever getting cooperation from either XXXX or Apple Card from Goldman Sachs Bank USA. I am so frustrated and so tired of having to deal with these agents that are unwilling to help me and being one hundred percent unwilling to help me regarding this issue. They are fraudulent and I am a victim of identity theft. There are also two sets of inquiries with the same dates on each of them. These are listed below : APPLE CARDGS BANK Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX APPLE CARDGS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX
|
| 01/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am writing to you to determine whether my mortgage situation with Goldman Sachs falls under the purview of the XXXX XXXX XXXX.
In XXXX XXXX, I refinanced my home with XXXX XXXX XXXX Mortgage. Six months after the refinance was finalized, my loan was sold to Goldman Sachs. XXXX XXXX has admitted the selling of loans during that time was a regular occurrence. XXXX XXXX continues service my loan. I can assume that based on possible redlining, my mortgage would fall under the subprime category and would have been attractive to Goldman Sachs.
The Statement of Fact from the DOJ settlement, states, For principal transactions, Goldman purchased groups or pools of loans from third parties prior to securitization. XXXX bought pools of mortgage loans from numerous lending institutions, or originators. These originators included XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and others. Goldman acquired the loans through two primary channels : ( 1 ) bulk purchases of large portfolios of loans, and ( 2 ) acquisitions of smaller volumes of loans through Goldmans conduit program.
The loan originators identified are those banks would later become major suspects in the home mortgage crisis. Although not named, Im pretty sure that loans from my lender XXXX XXXX were included in the Pool.
I have confirmed with XXXX XXXX that Goldman Sachs is the primary investor on my mortgage. I have tried unsuccessfully ( in prior years ) to locate anyone within Goldman Sachs who was willing to discuss any type of relief for my situation.
My property is distressed and underwater. During the height of the crisis, the foreclosure rate in my community was astronomical. Yet, I endured. My property value slide from a f $ XXXX to $ XXXX in the matter of a few years. However, I faithfully paid my mortgage on time. I believe that I am too impacted as a result of my relationship with Goldman Sachs.
|
| 10/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased two XXXX XXXX form XXXX XXXX XXXX using Goldman Sachs Apple credit card on two different dates, and I have returned both items. I am still being charged to make payments on the first XXXX XXXX I returned. Please see below for the breakup fees. Merchant : XXXX XXXX XXXX. Credit Card Company : Goldman Sachs Apple credit card. XXXX XXXX # 1 Purchase date : XX/XX/XXXX Return date : XX/XX/XXXX ( shipped back to XXXX ) Total cost : {$3900.00} ( XXXX XXXX, XXXX XXXX XXXX, Tax XXXX ) Apple invoice number : XXXX ( confirmation of refund ) Its been 3 months now and I am being charged installment on this XXXX XXXX which I don't own. Apple confirms receiving the item and refunding the credit card. I have filed a dispute with Goldman Sachs Apple credit card, and they resolved the dispute in favor of Apple twice without asking me for the proof over the last 3 months. I have asked Goldman Sachs for the evidence they used to make and decision and I am yet to receive it. I have called XXXX XXXX several times and they confirm receiving the XXXX XXXX and refunding the credit card company. I have spoken to several Goldman Sachs managers, most recently XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ), they understand the problem but were helpless. I have spent several hours talking to people at Goldman Sachs, everyone seem to understand the problem buy no one has been able to resolve it. I have already made over {$700.00} installment payment towards the XXXX XXXX I don't own just to not default on credit and I am due to {$520.00} by XX/XX/XXXX. I have been abused by this credit card company. XXXX XXXX # 2 Purchase date : XX/XX/XXXX Return date : XX/XX/XXXX ( shipped back to XXXX ) Total Cost : {$3800.00} ( XXXX XXXX, XXXX XXXX XXXX, Tax XXXX ) I received complete refund on this XXXX XXXX. The only reason I am including this here is because I dont want people to confuse refund on XXXX # 2 as a refund for XXXX # 1.
|
| 10/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
To whom it may concern regarding case # XXXX. The fraudulent transactions were for 2 purchases made at XXXX XXXX XXXX outside XXXX XXXX for {$3100.00} and {$3300.00}.
I am requesting that the funds taken out of my account by criminals - or whoever committed this crime against me- are returned to me immediately. I have spoken to XXXX, XXXX XXXX and XXXX representatives who talked to me to understand my situation and helped resolve this matter for me favorably. Apple Card has been nothing but unhelpful on this matter and would not talk to me so I can explain my situation.
In this report, you will find the following documents that I have used as evidence.
A full police report that I submitted to XXXX XXXX from the XXXX XXXX Police Department outlining the crime committed against me A letter from Doctor XXXX XXXXXXXX XXXX outlining that I spent a night under XXXX XXXX XXXX following an accident ID Theft Report that I submitted to the Federal Trade Commission with details of this criminal act against me I have included various emails from both XXXXXXXX XXXX and XXXX XXXX showing Fraud Alerts that they sent me for transactions attempted by these criminals during the same time period.
I also included letters from XXXX, XXXX and XXXX confirming that they ruled in my favor and refunded me for the fraudulent transactions when I disputed them Proof from XXXX XXXX that I traveled to XXXX from XXXX on Thursday XXXX of XXXX and returned on the morning of the XXXX of XXXX Some background information on me including a screenshot of my XXXX Profile and extended resume. I added this to prove that I am an ordinary and decent person and not a criminal or fraudster.
I beg you to call me ( XXXX XXXX XXXX ) to talk through this and I can explain anything you need me to. I appreciate your help in resolving the matter. This matter has caused extreme stress for me during a difficult period of my life.
Regards, XXXX XXXX XXXX
|
| 01/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I applied again and got this message " Thanks for your interest in the XXXX XXXX XXXX XXXX from Marcus by Goldman Sachs. Were sorry to let you know we cant approve your credit application because you have applied too many times within a 30-day window. Please note that this is a protective measure intended to prevent fraud rings from repeatedly guessing your personal identification information in order to gain application approval. This decision will not impact your credit score. We appreciate you considering the XXXX XXXX XXXX XXXX. '' Talk about the pot calling the kettle black. Listen ... .I applied for that XXXX card. 6 times. Tonight.
Check this out - the tax code contains provisions for " debt instruments ''. I assume that a debt instrument may be drawn on an employer identification number ordering the payment of information.
Being that banks give credit ( really they give information ) in exchange for the information you provide on your application, which I presume is a 1031 exchange of real property under 26 USC 1031. I presume that this is the case because a business owner applying for business credit would have to use his/her personal information ( and therefore a personal credit check- which only serves the purpose of verification ) to obtain business credit which would make the utilization of personal credit an investment activity. It's just information- and I presume that the information could be considered as capital property under the Internal Revenue Code but that's another story.
And then nobody wants to arbitrate and I guarantee that, if I haven't already found an IRS regulation or statute that is similar to the arbitration clauses in these agreements of the financial institutions which, as I'm writing this, I believe I may have already ran into, I'm putting it out there.
You know what - I'm about to go ahead make this as clear and concise as possible and then put it out there. XXXX it
|
| 12/12/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I have a high-yield saving account with Goldman Sachs Marcus Online Banking XXXX I was trying to use the funds on this account as the down payment for the purchase of an apartment. I initiated the wire transfer to the title company four times via phone call with customer services as they do not have physical offices, Marcus Bank 's personnel failed every time due to execution errors, e.g., transposing recipient 's account number and entering the incorrect beneficiary information without confirming with me. Each time, the funds had to be returned by the recipient 's bank as they can not reconcile the information. Without access to my own funds and so much time wasted waiting for the funds to kick back to my account, my house closing was in jeopardy and it was already two days after the supposed closing date. Despite numerous follow-up phone calls and escalations, Marcus Bank 's personnel showed a lack of training and professionalism, and they do not have any additional ways to fix the problem. I had to borrow emergency money from friends and family, and wire them from other banks. Conversely, other banks made such wire transfers ( with the exact same information I provided ) very easily and timely.
Details of the four failed wire transfers initiated from Marcus : 1 ) XXXX, {$50000.00}, due to incorrect recipient account number ; 2 ) XX/XX/2021, {$20000.00}, wrong beneficiary information, 3 ) XX/XX/2021, {$50000.00}, Marcus cancelled the transaction without noticing me, 4 ) XX/XX/2021, {$50000.00}, wrong beneficiary information.
Goldman Sachs Marcus Bank presented XXXX to provide consumers with normal financial services, lack of internal controls, and a pattern for making the same error by multiple personnel. As a consumer, this wasted lots of my personal time, limited my access to my own funds, made me have to borrow from other people, and most importantly almost costed me the opportunity to purchase my home.
|
| 02/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I previously notified Goldman Sachs that Im a victim of identity theft and requested that they remove all fraudulent charges from my account. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : 1 ) Charge made XX/XX/XXXX - {$1500.00} XXXX XXXX ) Charge made XX/XX/XXXX - {$610.00} XXXX I have received the evidence Goldman Sachs provided on behalf of the merchant on XX/XX/XXXX. I have also contacted their offices on numerous occasions and requested to speak with someone who could explain to my why the disputed information was not being reviewed and to provide me with an explanation for the results of a dispute denial. I have been repeatedly told by your staff that I would be unable to speak with anyone in that department. The only option I have been provided is to re-dispute the charges and this has been going on now for almost 2 years. After reviewing the information closely, I can confirm I did not make these charges. I requested that they remove all fraudulent charges and any related fees from my account, send me an updated and accurate statement. I also request that they stop reporting this inaccurate information to credit reporting agencies ( CRAs ). The information provided by the merchant does not provide sufficient evidence to make claims otherwise. See exhibit D, E, F, G, H, I.
I have completed a FTCIdentity Theft Report supporting my position. I have reported the theft of my identity to the XXXX XXXX XXXX Department. I also have completed the Federal Trade Commissions Identity Theft Affidavit, the Police Report, and my supporting evidence to support my claims. I've asked to speak with someone to discuss the evidence but continue to be denied that as an option. Goldman Sachs has also not provided me with any written explanation of their findings and actions.
|
| 04/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Thank you for taking time to read this letter. Im writing because I noticed that my most recent credit report contains a 30 day late payment from ( APPLE/GSBANK ) I understand my financial obligations and I never intended to miss a payment. I have been unable to access my XXXX ( XXXX ) since XX/XX/2021. The reason why is because I changed my phone number, so I didnt have access to XXXX XXXX XXXX in order to pass the authentication process ( 4-digit code they send for verification ). This led to me being locked out the account. I spoke to a rep a few months ago when I disputed the charges and explained that Im locked out of that old account. She processed the dispute, and I thought I was good to move on from there, but the dispute result didnt come back in my favor. The results were sent to that old email and its no way I could have ever known. I gave the rep my updated mailing address and phone number but still she sent it to that XXXX after me telling her I couldn't gain access to it. This morning I received the devastating news that I had 30-day late notice on all my credit reports and it's tearing me to pieces. I paid off the total amount within hours of receiving the news. I worked very hard to get my credit to where it's at now and I was a month away from trying to purchase my dream home. I have always been in good standing with this company maintaining a XXXX balance for months before this situation occurred. I even had plans to re-apply with Goldman Sachs under my current apple id. It has never been my intentions to miss any payments. I simply just wasnt aware that i had one. I truly believe that this 30day late payment doesnt reflect my creditworthiness and commitment to repaying my debts. I have also enclosed a copy of my XXXX contract in which you will see that the activation of my phone number was in XX/XX/2021, therefore proving that I have not had access to my old phone number XXXX since then.
|
| 01/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Re. An Apple Credit Card via Goldman Sachs On XX/XX/21 I ordered a XXXX for {$3200.00} and a power adaptor for {$19.00} plus tax The website offered installment payments if I applied for an Apple Card, so I did.
My receipt shows that my monthly installment would be {$290.00}. The Charges to my Apple Card Today portion of the receipt was {$300.00}.
As I had a {$5500.00} credit line and opted *not* to purchase the laptop outright, I assumed I would have over {$5000.00} in credit available.
I got a shipping notice today that said the computer would not be shipped until the end of XXXX or early XXXX. This was too long a wait as it is a business computer. So I canceled the order today, XX/XX/XXXX.
When I looked at my statement today, it showed {$300.00}. However the available credit was {$1600.00}. A only the {$20.00} purchase was shown on my statement, however, not the explanation of what the other charges were. Now that Ive looked at the other numbers, it was clearly the first installment on a computer that had not yet shipped.
***the actual problem *** The credit available was {$1600.00}. I had only spent {$20.00} on a physical product. They had withheld from available credit the entire price of the computer PLUS the first installment. So they are withholding XXXXmore* than I should have been charged on a computer that had not yet shipped, and thus had been canceled. My available credit should have been {$5100.00}.
The reason I, or anyone else, chooses the installment plan is to have that credit available. I do not understand how a credit card company can withhold the entire purchase price plus additional funds.
As a result, I do not have the credit I counted on to be able to purchase the computer I need for my new business. In addition, this could reflect poorly in terms of my credit score, as my debt to credit ratio is 30 % instead of 0.30 %.
I appreciate any help or insight you can offer.
|
| 08/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
On Friday XX/XX/XXXX I was trying to make a purchase on XXXX and was presented an offer to pay for my purchase through the Apple Card by Goldman Sachs, the offer stated " Apply and use right away. '' and " See if you're approved in as little as a minute with no impact to your credit score. '' I submitted my application and provided pictures of my drivers license per the request, but did not get an approval response in minutes, and still do not have a response 4 days later.
I received an email Friday XX/XX/XXXX saying it was not approved because they could not verify my identification information, but if I believe this to be an error to return to the application and reapply. I did return to the application, I reapplied and since Friday evening it says my Apple Card application is currently under review, and they will send me an update when there is one to send. They indicate they will call me, email me, text me, or send a push notification, but I have received no updates in 4 days.
I called on Friday to clarify that my second application went through, and they confirmed it did. I called on Saturday XX/XX/XXXX for an update and the agent only could say it was under review. I called on Monday XX/XX/XXXX and was told that on Saturday it " seemed to clear the verification but was still under review. '' It is now Tuesday the XXXX, 4 days after my application and I have not received a response on my application in minutes, hours, or even days.
This is a clear UDAAP violation where it was advertising the cash back savings I would get by applying for and using this card for my purchase, but Goldman Sachs has failed to meet its commitment in its processing time. At this point I will be required to pay for expedited shipping to receive the computer for my daughter in time for school to start. So not only have I not received a response, my cost of this purchase has increased due to the delay in processing.
|
| 08/02/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
MARCUS BANK will not let me speak to anyone to close my CD.
I call a representative and when they learn my issue they put me on hold until I am disconnected in 20 minutes or more.
I am not able to accomplish the task online as the online system is setup to take you in a loop. If i go to CLOSE MY CD on the Marcus Bank web site it only gives the option to close the CD at the maturity date.
Copied from their website below : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Review and confirm update CD maturity updateClosing your CD Estimated balance at maturity {$50000.00} Transfer funds toXXXX XXXX XXXX XXXX You can make updates any time until XXXX XXXX ET XX/XX/2023 ( the evening before your maturity date ). After this time, no more changes will be allowed.
( i ) I authorize Goldman Sachs Bank USA to debit my account through an Electronic Fund Transfer for the amount shown above ; ( ii ) I verify I am an authorized signer on the account and agree that this transfer does not violate US laws; and ( iii ) I authorize Goldman Sachs Bank USA to initiate the transaction beginning on the XX/XX/2023 above for the amount indicated, pending no changes to my interest disbursement plan.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This option above is the only option for closing my CD. There is no option to close my CD before maturity date. I have called 10 times and get hung up on. I have called other departments and representatives have said they are going to stay on the line with me until I get to the right department and get hung up on again.
This is extremely scary. This seems like this is a FRAUDULENT WEBSITE.
https : //www.marcus.comXXXX Please help.
|
| 12/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Made a purchase on Apple Card on XX/XX/2023 in the amount of {$71.00} in which no product was ever received. I tried to order frozen seafood from XXXX which was promoted on the XXXX website. After placing order and receiving no receipt or shipping info I reached out to vendor and never received any response. The " XXXX '' website has since been taken offline.
I submitted a transaction dispute to Apple/Goldman Sachs which stated that I never received any communication nor product from the vendor along with multiple screenshots of other users reporting issues with this vendor. A XXXX search will show that this vendor is indeed a scam, see : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX # XXXX & XXXX Goldman continues to reject this claim and submission as a fraud claim even though they openly admit they have received NOTHING FROM THE VENDOR to support their claims. I have invested HOURS of my time calling and emailing Apple aka Goldman Sachs and have gone in circles as their customer service agents aren't empowered to do anything and it's an endless game of circles. I recently saw a news report in XXXX XXXX XXXX that mentioned CFPB investigating similar Goldman practices and wanted to submit this complaint as my personal experience exactly mirrors the allegations in that article.
As of today, XX/XX/2023 I am still trying to resolve this transaction dispute 6 months later from XXXX. In my XXXX years being a credit card holder I have never experienced this level of difficulty in working with a credit card provider. It is clear that Goldman has zero intention of protecting the consumer and has done XXXX to investigate my claim on the fraudulent vendor side -- they are obviously rubber stamping all of the charges and making it impossible for the consumer to remedy.
I am asking for the CFPB 's help in resolving this dispute. Thank you for your time.
|
| 04/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
It all started at the beginning of the year, some time around XX/XX/2023. I placed an order for a really expensive pair of shoes through the XXXX app which i have used several times. Everything seemed fine until I noticed the delivery system said my package would arrive a couple days early but that was not the case. I never received the package and the delivery system changed the date for two days out. I was a little annoyed but it was fine I could wait an extra day or two but when the day came I got an email telling me my shoes were delivered but I never found a package at my door. I thought you would have to sign for an expensive pair of shoes valued at over {$2500.00} but I guess not. I contacted XXXX immediately and they told me to wait 3 days and contact them again. So I waited those 3 days and still got nothing and contacted them again which they then requested I fill out an affidavit or file a police report to initiate the claim. I told them I had the right to refuse to fill out an affidavit and police report countless times and they still insisted I fill one out to get my money back. They have held my money for months now unless I file one which sounds totally illegal by the way. I then told XXXX I will file a dispute with my credit card since they want to hold my money for ransom and they proceeded to tell me they have already filed a claim with the carrier and they will work with my bank to figure this out. ( I thought they needed my to fill out a police report or an affidavit to initiate the claim... are they pocketing the insurance money and my money? ). 3 months later I finally get news that my credit card sided with XXXX and will not refund me my money. I then requested the documents and evidence from them like the email stated I had a right too and they haven't sent me a single document so far. I made them re-dispute the claim but I have no faith for them doing the right thing.
|
| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have an old credit card account listed on XXXX as " APPLE CARD/GS BANK USA '' listed as " Open '' which is incorrect. The account was closed three to four months ago and I let XXXX know that it is being incorrectly reported as open when in fact it has been closed for a long time. This account was never reported as late or anything like that.
XXXX verified within 24 hours that the account is indeed open, despite me sending a copy of a letter from the creditor, dated three months back, that the account is closed. I am not sure why they think the creditor letter 's lack credibility. I am not sure if they bothered to even read the letter I provided them from the creditor. It clearly states the account was closed. It was at my direct request.
I submitted a second dispute with much of this information contained herein and called XXXX dispute department to ask a few questions to see if I can get this resolved correctly this time.
The XXXX representative claims XXXX contacted the original creditor who verified the account was open. I do not believe this is truthful. He then stated I filed the wrong kind dispute the first time. The dispute was under category " account closed '' He said the second dispute was the right category. It's the same category both times. I question whether he even looked at the first dispute.
He became argumentative very quickly after I pointed out it's essentially the exact same dispute a second time. It took several requests to have him let me speak with a supervisor. After holding for a while, the representative stated he can not wait more than five minutes and so I need to wait for a call back to speak with a supervisor.
Given they can not be bothered with reading a letter in PDF format from the original credit, I doubt it even matters IF a supervisor even calls back.
XXXX is blatantly violating the FCRA by not investigating a dispute that has obvious merit.
|
| 04/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I made a payment on XX/XX/XXXX that was not credited to my account. I made 3 additional payments to the account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have attempted to dispute this, multiple times. The timeline is as follows : a ) XXXX dispute no one at GS gave me a number for this one. When the XX/XX/XXXX payment came in, they claimed that was the missing payment ; but if that is the case then they never credited me for the XX/XX/XXXX payment. But they do show a credit on XX/XX/XXXX. It is hard to know which of the two payments they credited b ) XXXX this was a payment dispute. When the support person contacted me and asked me to send the cancelled checks as evidence this was converted to a Name Change request because GS only has one form to request documents and that form is a name change form. I both physically mailed the evidence of the cancelled checks ( in XXXX ) AND emailed it ( XX/XX/XXXX ). I noted in the cancelled checks that were sent that this was a payment dispute and NOT a name change. ( This dispute was initiated in XXXX ) c ) XXXX I received a response saying that the previous dispute was closed without crediting my account with the {$250.00}. They sent me a generic email saying they tried to contact me. They did not give me any details regarding why they did not credit. I suspect it is because this became a name change in the GS system that it was not handled properly. This occurred on XX/XX/XXXX. I challenged the lack of credit and was issued dispute # XXXX.
d ) On XX/XX/XXXX I received another email saying they had tried to call me and had resolved my dispute. When I called, they said that the dispute XXXX was still open. When I challenged the fact that their communication ( email said something different ) I was passed to a number of people and the entire chat lasted more than 4 hours. As a part of that discussion, they opened another dispute XXXX on the same issue.
|
| 06/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
XX/XX/2023 Dear Goldman Sachs Bank, As a federally protected Consumer, I, XXXX XXXX, was denied an extension of credit by Goldman Sachs Bank. I submitted applications to extend credit on 13 plus occasions and was denied. As you may be aware, an adverse action against a consumer is against Federal law. Pursuant to 15 USC 1691 ( a ) ( 3 ), I have been violated. I have the right to credit under the Truth In Lending Act, 15 USC 1602 ( f ). I understand what a credit card is and that I used my credit card to credit this transaction, pursuant to 15 USC 1602 ( l ). Furthermore, you proclaiming an adverse action against me is an unauthorized use of my credit card from which, I received no benefit, pursuant to 15 USC 1602 ( p ).
As seen in the Notice section at the bottom of the adverse action letters Ive received from Goldman Sachs Bank, it states that the Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants because the applicants has in good faith exercised ANY right under the Consumer Credit Protection Act. Furthermore Goldman Sachs Bank released nonpublic personal information to the consumer reporting agencies, which ultimately violated my rights to privacy pursuant 15 USC 1681 section 604A.
This is the last attempt to give Goldman Sachs Bank an opportunity to cure and rectify this situation. My intent of this letter is to benefit from a fair and honorable transaction, through a right granted to me according to law. You have 7 calendar days from the receipt of this letter to reverse your illegal adverse action against me and approve the extension of credit as well as compensate me for the damages this has caused over the last couple of years. If you do not, you will be held civilly liable in accordance with 15 USC 1691e ( a ) and ( b ) for violating the law and an invoice for damages shall follow.
Thank you for your time.
XXXX XXXX XXXX XXXX
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| 05/03/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
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Web |
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I called Marcus by Goldman Sachs XXXX XX/XX/XXXX to close my online savings account. I went through the security checks and the customer service rep informed me that she would be initiating the wire and closing the account. On Friday XX/XX/XXXX we could see that money was still sitting in our XXXX account so called to find out when we'd receive the transfer. We were told our account had been 'forced closed ' due to a break in the terms and conditions of the account, and the money in our account would be sent back to the originating bank. I asked for more details : what does forced closed mean? What terms or conditions did we break? The agent said they couldn't provide any more info. I called on XX/XX/XXXX to see what was going on and again received the same response : forced close, no further details given. I called XX/XX/XXXX to double-check I'd understood correctly and asked for the case to be escalated to a verification expert, which I had learned from a previous call may have been the issue with the account, but I was told there was no one who could take my call. I demanded that my case be escalated and the agent told me someone from the verification team would call me back. Having heard nothing, I called again on XX/XX/XXXX to be told there was no more information they could provide, but that my account was forced close and it could take between XXXX and XXXX weeks for the money to be returned.
I am in a state of disbelief. A bank took our money and won't give it back. Having done some research online I can see that this is happening regularly. XXXX opens accounts, takes the deposit, and then won't allow the consumers to transfer their money out. I am concerned that XXXX is experiencing cash flow issues or other financial issues and wanted to flag it with the FDIC and the CFPB.
I would desperately love to discuss this with someone. Please contact me by XXXX or XXXX XXXX XXXX XXXX.
|
| 02/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have an Apple card that was hacked on XX/XX/XXXX in the middle of the night there were the below charges to my card.
XXXX {$950.00} XXXX {$39.00} x2 XXXX XXXX {$500.00} x3 XXXX {$950.00} XXXX XXXX {$240.00} XXXX {$24.00} XXXX {$29.00} x5 In the morning I work up to an alert on my phone that Apple had declined some attempts to use my card that look fraudulent. I call Goldman Sacks right away and reviewed all of the charges above and confirmed they were all fraudulent. Goldman Sacks looked into this and reverse all of the charges that did go thru.
On XX/XX/XXXX the XXXX charge of {$950.00} went back on my card. I reported it again, Goldman Sacks reversed and looked into the issue. Keep in my this was the first charge on the night my card was hacked and then the series of other attempts happened right after that first one.
On XX/XX/XXXX I see that the charge was put back on my card. I call immediately and disputed. On XX/XX/XXXX I received and email from Goldman Sachs that this card was resolved in my favor and has been perinatally removed from my card.
Sometime in XX/XX/XXXX this {$950.00} charge showed up on my balance again. I called into customer service and reported it and told the story and gave all the timelines of the night I was hacked. I asked if this could be escalated as I was not please that this was put back on my balance again. I have been call at least once a week asking why this has not been removed and no one calls me back with resolution.
I am very concerned, due to the fact that I have an impecable credit score with a 100 % on time history in payments. I am getting emails that my balance is past due. This in no way should be reported to any credit bureau and effect my credit standing.
Please help in resolving this with Goldman Sacks as I can not get them to return my call.
Thank you in advance for your time and attention to this email.
XXXX XXXX XXXX XXXX
|
| 07/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This dispute is involving a purchase of XXXX refundable international flights in XX/XX/XXXX with XXXX XXXX for {$5800.00}. I was overcharged {$310.00} for which I was given a credit by my credit card. XXXX weeks before the flight was supposed to leave I called to check on the COVID requirements and the airline informed me my tickets had been cancelled due to a card issue and they would not refund me and I would need to seek resolution from my credit card. Additionally, I have not been able to reach the airline by phone as their call center has been turned off.
XX/XX/XXXX I called to request full amount to be disputed to recieve {$5800.00} and was told I would need to withdraw the initial {$310.00} dispute. I was told my card would send me an e-mail to confirm the initial dispute was withdrawn and issue me the credit of {$5800.00} while they investigates- this never happened. My case was also forwarded to customer advocate to call me and they never did.
Again I requested for the dispute to be withdrawn on XX/XX/XXXX due to wanting to dispute for the full amount of {$5800.00} instead of the partial amount that was initially requested for {$310.00}.
On XX/XX/XXXX the apple agent went ahead and processed the withdrawal request through the " correct way ''. I was told by the credit card representative they had made errors on my account and they we able to see I was wanting to dispute the whole {$5800.00} but it was changed again to {$310.00} and in a pending status. The representative said she never saw something like this and it looked like a technical error. The dispute withdraw verification email was supposed to be received by now or within 3 days and it was not.
On XX/XX/XXXX the issue was escalated and a case was opened by a dispute specialist due to the withdraw request not being taken care of.
XX/XX/XXXX case escalated again, dispute manager to call within a week and has not.
|
| 11/28/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I deposited a total of {XXXX in new funds to my Marcus savings account from two verified external accounts ( XXXX and XXXX XXXX XXXX ) on XX/XX/23 and XX/XX/23. I then scheduled an outbound transfer to a 3rd verified external account ( XXXX XXXXXXXX XXXX ) in the amount of {$100000.00}. The transfer showed as posted in my online account with Marcus on XX/XX/23. I then received a voicemail from Marcus customer service on XX/XX/23 telling me to call their customer service. I called and after verifying that I had authorized the transaction, I was told that Marcus was cancelling the transaction. I was told the reason for this was there was a 90-day " maturity '' period for new funds ( applicable to the {XXXX} ) to the account that needed to elapse before I would be allowed transfer them externally. I was told this was per my deposit agreement on XXXX XXXX.
I reviewed my deposit agreement in its entirety and found no such related clause. The only potentially related language appears to be the following vague text : " We may place limits on the amount of funds transferred based on total dollar amount or frequency, and we will disclose such limits to you at the time you schedule your ACH Transfer. '' I wasn't told of any restrictions at the time I scheduled my ACH Transfer, but rather after it posted. I was also told that although I could transfer the new funds back out to the external accounts they came from, I would need to wait several business days for the funds to re-appear in my Marcus account ( and then several more days for each of the transfers out of Marcus back to Ally and XXXX XXXX to go through, followed by several more days to transfer out from XXXX and XXXX XXXX once the transactions post ), causing a great deal of financial hardship for much needed funds.
I believe Marcus restricted my funds with an arbitrary and unwritten internal policy to keep my money in their bank.
|
| 11/02/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened an online savings account with XXXX by Goldman Sachs in XX/XX/XXXX, which I funded with money from my checking account at XXXX XXXX ( which was linked and approved by Marcus ).
One month ago ( on XX/XX/XXXX ), I requested my savings to be withdrawn from the Marcus account. The transfer was reversed the following day on XX/XX/XXXX. I contacted Marcus to understand the situation, and was informed that my account had been locked. The reason provided to me was that I needed to be verified with a pin authorization sent to my mobile number on file ( the same number I have been using for years and which has never been changed since I opened the account - also the number called Marcus from ), but that since the number was not associated to my name ( whatever this means ) they couldnt verify me and therefore had to lock my account.
I was then informed the only way to unlock my account was to sign a notarized affidavit and return it to Marcus. They claimed it was mailed to me on XX/XX/XXXX, and that it should arrive in XXXX business days. After 15 days I had not received the affidavit in my mail. I called Marcus again on XX/XX/XXXX to request the affidavit be re-sent, and I was informed that there was a new company policy which no longer used affidavits. Instead, I was to be called by Marcus within XXXX business days to rectify the situation and confirm my identify.
XXXX business days have passed, I have not been anywhere without my phone and, surprise surprise, I havent received a call from Marcus.
My account has been locked for one month. I have urgency in withdrawing my funds, and feel like I am no closer to having my situation solved. I feel completely powerless and have no idea what to do.
I request Marcus by Goldman Sachs to please unlock and close my savings and CD accounts, and transfer all the funds to my XXXX XXXX account ( the original account I used to fund it ).
|
| 07/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
XX/XX/XXXX, I contacted a company to quote a bathroom named Washington XXXX XXXX XXXX XXXX, also known as XXXX XXXX Specialists. The company took my money but didn't provide a service.
XX/XX/XXXX, after trying all avenues to get company to refund me, and them blocking me I filed a dispute with Goldman Sachs APPLE CARD.
And I have continued to dispute the transaction SINCE that date, its now XX/XX/XXXX. I am a 100 % XXXX veteran, and Apple Goldman Sachs has not only violated the ADA, but also the 1974 Fair Credit Act. I feel discriminated against, as I've told Goldman Sachs multiple times I am a veteran on a fix income and can prove my XXXX status, yet Goldman has never once been able to call me back, follow up in a timely manor in the times I requested, which is broad ( Simply between XXXX - XXXX XXXX standard time ). Yet, they call me outside these hours, leave voicemails that just direct me to call back the same old number. The customer service is the worst I've ever dealt with, with never ending gate keepers who don't care or know your issues and simply answer without any research.
I do NOT owe this debt, the company whom cheated me is being protected by goldman Sachs, Goldman Sachs knows my XXXX status and didn't provide any aid to me. I am 100 % in the right, and have kept all text messages and exchanges.
My credit history is flawless, no missed payments. I am not trying to avoid a debt or some other silly reason, I simply have had MY money stolen, and Goldman Sach chooses to aid and abide a criminal company whom has over 35 complaints with the WA state Attorney Generals office, which Goldman Sachs ALSO knows about, as I've submitted before.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please do something to end Goldman Sachs horrible, selfish, and irresponsible practices.
|
| 09/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
Apple Card/Goldman Sachs ( AC/GS ) has failed to process valid transactions on my card, and has failed to honor commitments they made to respond to formal complaints, that I filed with a service agent. The root problem is that AC/GS declined ( for suspected fraud ) a {$100.00} purchase on {$20000.00} credit limit, did not contact me, and was unreachable for nearly 3 hours.
At XXXX on XXXX XXXX I attempted to make an in-person {$100.00} purchase with my Apple Card via digital wallet. The merchant told me the transaction was declined. I tried two more times with the same result. The advertised process is that AC/GS will send me an electronic notification to my phone and and email, regarding declined transactions ; I received neither. I tried to contact AC/GS via in-app " chat '' and was told it would be 100 minutes before someone could respond ( transcript attached ). I called on the phone and was told it would be 160 minutes before I could speak with an agent. Eventually I received phone call from AC/GS agent " XXXX '' or " XXXX ''? He indicated that the transaction seemed suspicious and was blocked as suspected fraud. After a very long discussion, he took two complaints, and told me I could expect a response in 48 hours. That was 12 days ago.
On XXXX XXXX I contacted AC/GS via chat for status of these complaints. AC/GS responded " we are unable to access customer information at this time. '' How is this even possible? On XXXX XXXX, a chat agent told me they couldn't provide any update on my complaints. ( transcript attached ) Apple Card 's Terms and Agreement ( attached ) include provisions to use electronic communications, including email and on-device notifications. These services appear to be unreliable. This could put me and other cardholders at risk : is AC/GS is not sending the notifications? Are notifications not being delivered? Or are they delivered to someone else?
|
| 11/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/18 at approximately XXXX I purchased an airline ticket with my credit card ( an Apple Card through Goldman Sachs ) from XXXX XXXX XXXX for a flight at the end of the year. Within the hour I called back and requested to cancel the ticket as is within my rights as it was a flight governed under the Transportation Administrations regulations. Unfortunately I was forced to call as XXXX systems would not recognize my reservation in their portal, I assume that I made the cancellation too quickly for their system to have saved the reservation. I was in the phone with XXXX for XXXX minutes with the representative XXXX. I received a confirmation number and awaited my refund.
However, XXXX denied me a refund so I followed up with a charge back. While I asked Apple Credit Card support for the status and if I could provide documentation for the incident I was told they would send me an email which I never received. Eventually they denied the claim as well without ever taking my input and my documentation. To be clear I requested explicitly to upload my documentation of the events once the vendor responded but the case was closed same day before I could respond.
The dispute in question is Apple Card ( Goldman Sachs ) Dispute case number : XXXX After the denial I resubmitted the claim, and filed here with the CFPB.
Below is a summary of the Department of Transportations guidelines regarding these transactions for your convenience : Cancelling a Ticket Reservation or Purchase within XXXX hours of Booking For airline tickets that are purchased at least XXXX days before a flights scheduled departure date and time, airlines are required to allow consumers to cancel their reservation and receive a full refund without a penalty for XXXX hours.
The airline is required to return the funds promply, prompt is defined as being within XXXX business days if a passenger paid by credit card.
|
| 01/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Servicemember |
|
The Arbitration provisions of the Deposit Account Agreement of Goldman Sachs Bank USA ( " Goldman '' ) requires the mailing of a " Claim Notice '' prior to one initiating a lawsuit, arbitration or mediation. The same Deposit Account Agreement referenced the Privacy Notice of Goldman which pertains to the collection of personal information and states, in part, that ( i ) Goldman may begin sharing personal information 45 days after the opening of an account, and ( ii ) Goldman shares personal information for purposes of joint marketing with other financial companies, Goldman 's everyday business purposes, etc. The definition of " personal information '' includes trade secrets, commercial information, and the like.
The issue is that an amount holder can run the risk of delivering sensitive information such as trade secrets, commercial information, and the like, in a " claim notice '' without receiving remuneration for doing so. An amount holder would have to have " funds '' to litigate, arbitrate or mediate, and can easily have the personal information that the amount holder shares via the submission of a " claim Notice '' stolen simply due to the attrition that is very likely to occur by going through the processes- against a financial institution that presumably has access to millions upon millions in " funding '' - of submitting a claim notice and waiting, then initiating a lawsuit/mediation/arbitration and then having to deal with that while also having to handle the general demands of life and the rest of society. It isn't fair- not even a little bit The Deposit Account Agreement also contains provisions that reserve the right of Goldman to act in accordance with the Deposit Account Agreement even if Goldman refrains from exercise of an act ( or if Goldman is not required to act yet does ). This leads me to believe that Goldman can handle my request for a fair resolution.
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Goldman Sachs Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to request a 1099-C form and to update the status of the charged-off account associated with the following information : Creditor 's Name : Apple Card/GS Bank USA XXXX XXXX XXXX XXXX I understand that the debt associated with this account has been charged off, and I am aware of the tax implications of receiving a 1099-C form. As required by the Internal Revenue Service ( IRS ) regulations, creditors are obligated to send this form to taxpayers when a debt of {$600.00} or more is canceled or forgiven.
I kindly request that you provide me with a copy of the 1099-C form for this account as soon as possible. If there is any additional information or documentation required from my end to process this request, please do not hesitate to inform me promptly.
In addition to the above request, I am also writing to inform you that this account is still reporting as open on my XXXX credit report, with a credit usage of 285 %. I have attached a copy of my XXXX credit report for your reference.
I understand that the account has been charged off, and I am no longer able to use it. However, the fact that it is still reporting as open with a high credit usage is damaging my credit score.
I am requesting that you please update the status of this account on my credit report to reflect that it has been charged off. This will help to improve my credit score and make it easier for me to qualify for loans and other forms of credit in the future.
Thank you for your time and attention to this matter. I look forward to receiving the 1099-C form and to having the status of this account updated on my credit report.
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX Credit Report
|
| 09/28/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
Older American, Servicemember |
|
Stayed overnight XX/XX/2021. 1 night in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. XXXX.
I was charged 4 nights @ {$180.00} each and refunded only 1 night. I contacted the Hotel, which said they would look into the issue and process the refunds.
I then contacted Goldman Sachs, regarding the unauthorized charges. They immediately marked 2 of the transactions for review. I contacted them further after two weeks time, I was informed that processing of the transactions in review could take up to 90 DAYS.
Several transactions have since occurred, but my usable balance does not accurately reflect on my XXXX XXXX causing confusion, and hinders my ability to adequately determine the exact payment, and refund status that occurred for the overnight stay of the XXXX. My monthly transactions shows 6 travel related expenses for a single overnight stay including ; {$9.00} for refundable cancelation at the time of booking.
{$180.00} XX/XX/2021 the above charges are the only valid transactions.
{$180.00} XX/XX/2021 Transaction in review {$180.00} XX/XX/2021 Transaction in review {$130.00} XX/XX/2021 Card number used {$1.00} XX/XX/2021 Card number used My complaint is that transactions are immediately posted when it comes to charges to my account. HOWEVER, transfer of money, refunds and disputes ( often with charges ) take several days to several months to complete.
In a world where technology can transmit at the speed of light ( proven with every charge or payment, transfers, refunds and disputes are impossible to resolve in any reasonable time.
I've sent my complaints to my Representatives, and complained directly to the companies involved.
I view this as an unacceptable practice, and have lobbied to have better response to issues, when Banks and Credit Card companies need to refund at the same speed and efficiency as they post sales, and collect interest.
|
| 11/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I am a consumer and multiple Apple product owner who has applied for the Apple Card now XXXX XXXX with denials unrelated to my credit score, income, or ability to repay.
I have been told by automated system via email to upload a drivers license with all XXXX corners visible, against a solid surface. I have uploaded this multiple times and have been told via denial email that my identity can not be verified. This is completely untrue, as I have other credit accounts, bank and credit union accounts, IRS tax file, US Passport, XXXX XXXX background cleared, a valid unexpired drivers license, a mortgage in my name, and property and auto and insurance which uses in-depth background reports to verify identity.
The system is not claiming that my identification card uploaded is not visible but rather that my identity in its entirety can not be verified which is not true.
After multiple denials, the system will process my application and then the response is you can not be approved at this time because you have applied previously and your identification cant be verified I feel this is a type of violation of the fair credit reporting act in which a denial has to be explained. If my drivers license is valid and I am the person applying for this card then I need to have a full explanation as to why Goldman Sachs acting on behalf of Apple credit card is saying that my identification can not be verified when 100 % of the time with all other creditors and government agencies my identification is easily verifiable.
Now, for the past XXXX months Apple/Goldman Sachs will no longer even process my application and seems to have blocked me while given the generic message of you have applied a number of times and your information can not be verified.
The system tells consumers to reapply if they feel the decisions were an error and when I reapply I am given the same response.
|
| 08/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My name is XXXX XXXX. I am submitting this on my own behalf, there is no third party involved.
I have previously contacted Goldman Sachs Bank in relation to validation an alleged debt which they have not done pursuant to 15 USC 1692g laws. I have subitted a previous complaint with the CFPB regarding this issue ( complaint ID : XXXX ) In addition to refusing to lawfully validate the alleged debt, they are in violation of 15 USC 1666 ( b ) ( 2 ) " a billing error consists of any of the following : ... A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. '' I requested documentary evidence proving the alleged debt was mine and Goldman Sachs Bank refused.
I sent them a notice that I, a federally protected consumer, believed that the statement contained a billing error and the amount of such billing error, and set forth the reasons for my belief that the statement contained a billing error.
Pursuant to 15 USC 1666a, Goldman Sachs Bank may not directly or indirectly threaten to report to any person adversely on the consumer 's credit rating or credit standing because of the consumer 's failure to pay the amount indicated and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of sending a written acknowledgment ( which Goldman Sachs did not do ), and make appropriate changes to the account in which the billing errors occurred.
Goldman Sachs is negatively reporting on my consumer credit report, in addition to not following the requirements of due-process in regards to 15 USC 1666 AND additionally has not verified the alleged debt in the first place pursuant to 15 USC 1692g as previously requested.
a copy of this CFPB complaint has also been sent to the Florida Attorney General 's office and the XXXX XXXX XXXX
|
| 12/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/20 - I made a purchase at a restaurant for {$200.00} with a tip of {$40.00}. I was charge {$270.00} instead.
XX/XX/20 - I opened a dispute with Apple card support ( Goldman and Sachs ).
XX/XX/20 - The dispute was ruled in favor of the merchant ( stating the merchant provided significant evidence proving the charge of {$270.00} was correct ).
XX/XX/20 - I asked for the evidence that went into the decision to rule in favor of the merchant. Goldman said I would receive an email within 2 days of this evidence.
XX/XX/20 - I contacted them again because I did not receive an email with evidence. Goldman resubmitted request and said I would receive it in 7 days.
XX/XX/20 - Still didn't receive evidence so I contacted Goldman 's again. Manager said he would expedite this.
XX/XX/20 - Still didn't receive any evidence so I contacted Goldman 's again. Said they would send via mail now?
XX/XX/20 - Still didn't receive any evidence so I contacted Goldman 's again. This time they told me the evidence was submitted by a manager and is on the way.
XX/XX/20 - Still didn't receive any evidence. The person I contacted seemed like he didn't know about the previous communication I had with Goldmans.
XX/XX/20 - I called and talked to a manager who said they are sending it via mail. Still don't know why I haven't received it or why they can't send me any sort of tracking number?
XX/XX/20 - Contacted again and Goldman 's asked me to verify my physical address as they sent it in the mail. I verified it and it matched what they had on record.
XX/XX/20 - Contacted Goldman 's via phone to talk to a manager again. They couldn't explain to me why the evidence is not coming to me and they couldn't send it to me via email. I had to ask for a manager multiple times. Still waiting for evidence.
Note ** I can also provide text message conversations from this dispute if needed.
|
| 10/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I entered a credit card transaction with Gs Bank on XX/XX/XXXX. I have had several issues with the card since I received it. I tried to pay off the balance in which the card was declined. I also tried to make several transactions where my card was declined for some apparent reason. I never received any text, or call notifications. My card was blocked and declined for several purchases. I called in and answered all verification questions and method possible. I have done that a few times this week and on other occassions in the past. It leaves me to believe that this is purposely happening and I don't deserve this as a consumer. I called in on XX/XX/XXXX, XXXX, and previously because this has become very frustrating and stressful. I wasn't able to make the purchase or pay for what I needed to pay for and the card was declined twice. I wasn't able to pay for my rent and other purchases. I was hit with late fees and pending eviction notice due to my transaction being declined for my rent. I was not able to access my card after verifying who I was several times. I called in the first time for the first incident and was told that my card was unblocked and ready for use, come to find out that my card and several transactions were declined. This is very embarrassing and distressful and I don't deserve this. I am also sending this complaint in regards Pursuant to 15 U.S. Code 1666 - Correction of billing errors. I didn't want for my monthly statement voucher to be in digital form for many reasons I requested a hard copy of the document more than 2 weeks ago, and I still haven't received yet. As I logged on to see the monthly voucher statement I realized that there was in fact correction of billing errors in a positive amount Pursuant to 15 usc 1666d I was denied of a credit limit increase as well so I have been experiencing so many issues with this card and company.
|
| 09/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Hello, My husband XXXX XXXX passed away last year ( XXXX XXXX ).
I paid myself the amount of {$200.00} after his passing on XXXX XXXX. I called the company to let them know about his passing and closed his Apple wallet account.
I was told later on by bank representatives and lawyers that I was not liable for debts in his name and that I could request a refund.
I asked for a refund in XX/XX/XXXX by sending by mail all the documents they requested to issue the refund ( small estate affidavit, death certificate, bank statement justifying the payment I did ). They said there was no email I could send the documents to.
I've been back and forth on the phone with them for months following up. They were saying that they didn't receive them in XX/XX/XXXX so I send the documents again on XX/XX/XXXX.
I kept asking for an email where I could follow up but they said that I have to call them.
They received the documents on XXXX XXXX ( I have the XXXX tracking number delivery proof ).
at Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX.
I spoke with a representative on XX/XX/XXXX and they said they received the documents and that it takes a while to process the refund and issue the check for the amount of {$200.00}.
On XX/XX/XXXX, I spoke to XXXX he said that they were processing the refund and that an email will be sent to my husband 's email box after one month before sending the check for {$200.00}.
No email was received from Goldman Sachs today on my husband 's mail box.
On XX/XX/XXXX I spoke to XXXX a supervisor, and she said that they will escalate and a supervisor will call me to help me ( in about a week ) They gave me case number # XXXX.
I received no call as of today and no refund.
Would you please help me resolve that issue, Goldman Sachs tel : XXXX XXXX XXXX Thanks for your help, Thanks, XXXX
|
| 02/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I had my cell phone and wallet stolen while attending a medical conference in XXXX XXXX, LA XX/XX/XXXX. When I arrived home on XX/XX/XXXX and ultimately had access to the internet, XXXX XXXX informed me via email that a new hard inquiry appeared on my credit report. I discovered that a Goldman Sachs Apple Card had been opened in my name and that {$4700.00} had been charged. I immediately contacted Goldman Sachs and Apple to inform them of this fraudulent activity. I was advised to change my log-in information and informed that I would not be responsible for fraudulent charges and that the account would be closed. They requested that I document this information on IdentityTheft.gov and submit this information to XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. I completed this information and submitted it to them the subsequent day. I filed a police report with XXXX XXXX Item : XXXX. I froze my credit and created fraud alerts with all three credit bureaus. Over the last several months, I have contacted Goldman Sachs countless times without any hint of a resolution. I filed a dispute with XXXX on XX/XX/2020. Unfortunately, the result was that the disputed information was somehow verified as accurate. I then received an email from Apple Card on XX/XX/2020 that said my Apple Card account was 48 days past due and that my past due balance was XXXX. This was the first time I had received anything in writing from Apple or Goldman Sachs. I spoke to Goldman Sachs at least five additional times including supervisors all of whom say they have 'escalated the situation ', that I should not be receiving these bills but that I should just continue to call back in a few days. I again filed a dispute with XXXX XX/XX/2020. I reviewed my credit report today after I was notified of a drop in my score to find that my payment history now includes my first ever missed payment.
|
| 08/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I have had the Goldman Sacks " Apple Card '' for XXXX years & I pay my balance if full monthly and it's set up on automatic payments in full on the last day of the billing cycle. I have not had any problems before with this. I also have two checking accounts listed there for payments ( XXXX & XXXX ). On XX/XX/23 in the early hours of the morning I received a notification that my payment of {$1800.00} was " declined '' - but the account number listed was NOT from either of my accounts. I immediately pushed through a payment of {$1900.00} from one of my accounts and another of {$17.00} from the other- both went through & were accepted. I was also charged interest for this - to date {$64.00} over this matter. I spoke to Goldman over chat on XXXX about this issue ( transcript attached ). Goldman Sachs apparently has NO IDEA HOW this happened, can not explain it & in spite of my multiple attempts to work with them, will NOT investigate it or return a call to me with any resolution or explanation. The agents all state they can not even see or tell me what account rejected it, admit there are only my two working accounts in their system & there must have been a " glitch '', but they can not help except for a one-time courtesy waiver of {$25.00} on interest ( which still leaves me out nearly {$40.00} ). I did have another account ( XXXX ) back when I first opened this credit card but the agents have all assured me that the old account was indeed correctly removed by me in XXXX of XXXX and that it was not the problem. I am also concerned about any reporting of this to credit bureaus as a " late payment '', when I in fact was not at fault & not only paid it timely but pushed through another payment the second I was notified of this issue. Something is NOT RIGHT with their system & their customer service and ability to investigate the issue is extremely poor.
|
| 01/17/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I purchased my home in XXXX XXXX. In XXXX I experienced economic hardships which caused delay in mortgage payments and eventually my payments were not accepted as of XXXX XXXX. As a result, I received a letter around XXXX of XXXX for the foreclosure of my property. My mortgage was sold multiple times with XXXX being the initial lender in XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX did not give me a fair shot at a home modification. I believe I was treated unfairly with no regard to me losing my home despite of attending several mediations. The attorney for XXXX XXXX XXXX was adamant about pursuing a foreclosure. He was not willing to work with me.
During mediation, I was given an option to apply for a home modification. My application was denied several times. They denied my first application for making too much money. They denied my second application for making too little money. They denied my third application prior to the date in which they said it was due. As a result of their denials, my case went to trial for a foreclosure judgement against me.
My house was sold in a judicial auction for $ XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX suggested I pay $ XXXX. XXXX XXXX, XXXX are claiming to be the new owners of the property. I believe I was discriminated against at the onset of this process. I was told to submit paperwork over and over, I did and to no avail. I attended mediation with legal representation and made numerous efforts to save my home. I was gainfully employed and able to make payments. Despite all of this, they have not budged and continue to pursue foreclosure. This foreclosure process was fraudulent to begin with. The home modification suggestion offered to me was a scam to obtain more money. This has caused so much stress and health related issues. I am a working union tradesman with funds to save my home.
|
| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2021, I went into the XXXX XXXX in XXXX XXXX, Mi to purchase an XXXX with a consumers credit transaction. Apple ran my credit through GOLDMAN SACH BANK USA without my knowledge to get an apple credit card and I was not approved.
Under 18 USC 1028 ( a ) - FRAUD AND RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION DOCUMENTS, authentication features and information ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or I was not approved based on information that APPLE took from someone else and obtained from someone else other than myself. I, as a consumer am the only who who can extend credit. Apple is in violation of 18 USC 1028 ( a ) ( 7 ).
Under 15 USC 1602 ( p ) - DEFINITIONS AND RULES OF CONSTRUCTION ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Apple is also in violation of 15 USC 1602 ( p ), unauthorized use!
Under 15 USC 1681 ( b ) ( 2 ) - Permissible Purposes of Consumer reports ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Apple did not have permissible purposes. I did not give Apple any written consent. No consent is identity theft. Please send me a copy of the written consent that I, myself gave you.
Apple is in violation of 15 USC 1681 ( b ) ( 2 ).
|
| 04/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
in XX/XX/2020 i purchased on XXXX XXXX bike components : XXXX XXXX XXXX valued {$860.00}, and XXXX XXXX XXXX valued {$1700.00} The items were planned to be delivered via XXXX on XX/XX/XXXX XXXX the following tracking numbers were provided XXXX XXXX On XX/XX/2020 the items were marked as delivered. however the items were not at my doorstep and nowhere around the house.
Tracking number XXXX would have required signature for delivery.
I believe the items has been delivered to the wrong address, however both XXXX and XXXX refused to open an investigation to find out where the packages where delivered.
I then dispute with the credit card company which is Apple Card managed by Goldman Sachs. The dispute was resolved in favor of XXXX without any valid reason, although i have been trying to get in touch with XXXX to address the issue which instead ended up closing my account because of the dispute with the credit card company.
many time in the past 2 years i tried to appeal the decision of the dispute with Goldman Sachs. New dispute was always opened but the result was always the same.
Recently there were reports and complaints from many users that Apple Card was always closing dispute in favor of merchant rather than consumer. Upon such reports i received an email from Apple Card that they were reviewing again my dispute closed not in my favor, however once again the dispute was closed in favor of the merchant.
2 years after i find my self with a charge of {$2600.00} which i have already paid off, but with no items ever received. A police report was also opened and sent to Apple Card multiple times. The police report is also attached to this complaint.
Apple Card Goldman Sachs has been one of the worse credit card with one of the worse customer service ever, with no interest to take the side of the consumers with no apparent valid reason
|
| 08/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a credit card with Apple Card which was managed by Goldman Sachs. I had a transaction with XXXX merchant posted to my account. The order was shipped with only half of what was paid for and the shipment was returned to the merchant per XXXX XXXX return policy. Merchant shows shipment returned and that credit was to be issued. Credit was never issued by merchant via XXXX. I then contacted Goldman Sachs via Apple Card support and summited dispute and provided proof of the authorized return and lack of getting credit for the return. Goldman Sachs kept closing dispute with inconsistent reasoning ( order was received or verified when this was never disputed ). I full paid my account and closed the account with Goldman Sachs ( Apple Card ) with revocation of authorization for any further activity or charges on the account. Almost a year later, Goldman Sachs took funds from my bank account without authorization to satisfy an unknown transaction. My bank processed a dispute and returned these funds to me. Shortly after this occurred, Goldman Sacks again took funds from my account ( under XXXX dollars ). I again filed a dispute with my bank and they returned the funds to me and changed my account number to prevent any further unauthorized access. Not long after this happened, Goldman Sachs reported me as having a late payment for {$1.00} on my credit reports. All attempts to contact Goldman Sachs and get documentation of transactions have been fruitless. They again on the phone that what occurred isn't right and state they will email or mail statements to me with corrective action but nothing ever happens. My credit score went from XXXX to under XXXX overnight. I not only ended up paying for an XXXX shipment that was incomplete and which was returned and now I have suffered because of Goldman Sachs inability to properly process Reg E dispute.
|
| 02/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I received an offer from XXXX offering Apple Card with soft pull inquiry using data provided from credit bureau ( XXXX ). I agreed to the offer for soft pull inquiry and entered my personal information, including full social security number. Somewhere along the line a hard pull inquiry was submitted to XXXX without my consent. I was alerted the next day that there was a hard pull on my XXXX report. I immediately called Apple Card rep who stated the offer may have began as soft pull but once I was approved they ran a hard inquiry on my credit. This hard inquiry was obtained without my consent. I only agreed to soft pull as I'm not interested in obtaining any unnecessary personal credit cards currently. The rep said the card was already sent in the mail and there was nothing Goldman Sachs ( processor of Apple Card ) could do about it. I never activated the card because I didn't agree to a hard pull nor did I agree to open the account once I saw the unauthorized hard pull on my XXXX report. However, Apple is reporting that I opened an account on XXXX ( which I immediately called to cancel due to fraud on their end ). The Apple card still came in the mail and didn't show as closed in their system XXXX weeks later on XX/XX/22. Please investigate the matter as this practice is very deceptive and being advertised as soft pull, only to lead customers blindly into a hard pull against their knowledge. This partnership with XXXX and Goldman Sachs Apple card fraudulently obtains credit information with hard pull after advertising to consumer as soft pull. XXXX 's exact wording in emails received states : " Apple Card is a different kind of credit cardyou can see your credit limit and interest rate offer without impact to your credit score ''. I've attached proof of the advertisement that I received for regularly for months before deciding to accept.
|
| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
Dear CFPB, I am writing to submit a complaint regarding the Savings Account provided by Apple and Goldman Sachs, which offers a 4 % + return rate but requires applicants to have an Apple Card credit card as a prerequisite for applying.
Upon applying for the Savings Account 's prerequisite Apple Card on XX/XX/2023, I was denied due to " insufficient credit history '' after Goldman Sachs only checked my XXXX credit history, which had a thin file on me. If they had checked my credit history with XXXX or XXXX, they would have approved me immediately. This situation exposes consumers to Goldman Sachs ' bias towards a credit rating company that does not take all possible measures to mitigate a thin file on an individual with a proven high credit score with other rating companies -- especially when the consumer 's ultimate goal is a Savings Account.
I contacted XXXX regarding this issue and they advised me to plead with transaction parties sending data to other rating providers to also send data to XXXX, which is completely unscalable.
I suggest the following action items be taken : 1. Apple should fix its Card application flow to have an appeal process with manual triage to review and mitigate obvious case errors. Their robotic denial process currently refers the consumer to XXXX to resolve issues.
2. Goldman Sachs should reduce sampling bias by asking for credit rating from more than a single provider, namely XXXX, XXXX and XXXX.
XXXX. XXXX should be held accountable for the consumer experience from a thin file and should be responsible for backfilling data available at other rating providers when a consumer can objectively prove the disparity.
I request that CFPB investigate this issue and take appropriate action to ensure that consumers are treated fairly by financial companies.
Thank you for your attention to this matter.
|
| 07/27/2015 |
No |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Older American |
|
GE Capital declined a loan application for a Bobcat vehicle on XXXX/XXXX/2015. They have repeatedly and consistently refused to provide me with information about why they declined this application and where they got any information they used to decline. They financed an identical machine for me about 6 months earlier. One of my local bankers checked my credit report the same day and reported that my FICO score was XXXX, as it should have been at the time, and that there were no derogatory comments listed. I 've received XXXX communications from GE CAP. 28 days after the decline they senbt me a letter stating that if I wished to know why they declined I would have to send them a written request. I did so even though Federal law requires them to have notified me of the problem within 30 days without any action on my part. I received no further communication from them until I filed an internal complaint with GE through my payment contact. I then got a letter two days later stating " Delinquent past or present credit obligations with others '' and The decline was based on limited and poor credit on the company not your personal credit. " They provided no further information as to where or how they have gotten what must be incorrect information. I can not fix the problem when they refuse to tell me where it came from. They 've refused to respond to repeated emails and there is no phone number to reach those people that even internal GE CAP people can find. I 've been told that all I can do is snail mail the address the letter with no useable information came from. And I get no response. GE CAP has consistently and repeatedly refused to comply with Federal law by refusing to tell me where they got information which they used to decline this credit application.
Application # XXXX Date XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX
|
| 03/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
This problem might not get fixed, but at least I documented the issue. I already filed a complaint because for some reason, Apple would not process my application so that I could get a card. It took me submitting an application like 59 times just to get them to run my credit. I finally was able to get the card, once they ran my credit and have used it for well over a year. Sometimes less, because of other circumstances. I asked for a credit limit increase, and have been denied countless of times even though the info that they send me stating why indicates a score of 790-810. I was told in XXXX to use the card regularly for a month because if we dont automatically granXXXX an increase after 6-months, we usually do so after a year and because I didnt start using the card right away. I did so, and was told the same thing. I asked for them to perform an underwriting, which they agreed to do which might require them rerunning my credit, which I was informed about via email, but was told by a rep that they would not review it and there decision is final. As I tried to explain to the reps, if they did what they said they were going to do, a soft look would have told them that I have a card thats 4X the limit of the Apple Card, which is why I dont get the balance up high that often. Also, when I do go that high, it takes a month or so for my score to go back up because it results in a XXXX point hit to my score. I think they are picking on me because of my name and what my name means. So, them asking me to permanently lower my score to get a limit increase is biases, especially when I have mad more than the minimum payment and well before my due dates. From what I gather from searching the web, this isnt a common problem that I am experiencing. This is prejudice at its core and is something that the average XXXX customer isnt dealing with.
|
| 05/11/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2023, I opened an Apple Savings account and deposited money from two external accounts. On XX/XX/2023, I requested a withdrawal from Apple Savings to one of the accounts I had deposited from. The Wallet app ( where customers can manage the account ) said the transaction would take 1-3 business days. After 5 business days, on XX/XX/2023, I contacted the Apple Savings support team via chat to inquire about the transaction. I was told I had to call in to solve such issues. When I called the number I was given over the chat ( XXXX XXXX XXXX XXXX ), the representative couldn't populate my account on the system. I tried this several times over 4-5 hours. The support could only access my account after I called the same phone number and requested to speak with Apple Card support, which transferred me to the specialty department and Apple Savings. At last, the attendant told me the transfer would be canceled and my money would be back in my account within 48 hours. On the next day, XX/XX/2023, I requested to verify a new external bank account I added, hoping I could use it for a more timely transfer. I face an issue with troubles verifying my account. I ultimately gave up, but one attendant guaranteed my money was on its way back to my Apple Savings account. On XX/XX/2023, the day my Apple Savings account should've been funded, I saw no balance on my account. After reaching out to chat support, I was told the transfer was never canceled and I should wait another 5 business days for the money to appear in my external bank account. At that point, I realized the company stole my money and was just creating excuses, hoping I'd wait until I forget about these transactions. Despite all these lies here mentioned, some attendants said my Apple Savings account was linked to my Apple Card, while Apple Card support said the opposite.
|
| 10/07/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
Marcus by Goldman Sachs has effectively prevented me from accessing my approximately XXXX They do not deserve FDIC approval!! On a Monday i tried in vain for hours to transfer money to my brokerage account at XXXX XXXX to pay for treasuries i was buying. I received error messages online repeatedly trying to link account thru XXXX, their software. Nothing but we cant cOnnect to your bankso I called them, rep took all info and also failed repeatedly to complete transfer or linking either. I then tried initiating the linking at XXXX end. Days passed, nothing. I have never had such problems getting my money from one institution to another like this with NO ACCOUNTABILITY WHATSOEVER!!! I called Marcus, again went thru almost hour of useless attempts, finally rep said after i was on hold for 25 min that i can t link to a brokerage account!! Then why did previous phone rep Waste my time trying!!!
Next I tried to link to my only bank, XXXX ( XXXX ) - again both online and phone rep failed after countless attempts!!!! I said how the hell do i get my money out???? She suggested mailing me a check for the XXXX!!!! Mail??? I said are u kidding???? I am going into the hospital on tuesday and ill be damned if I have to worry about you XXXX mailing me a check for XXXX. I called XXXX for help -they said they should have offered to wire it. I called Marcus back, ordered wire, four days later and umpteem phone calls, no wire transfer, no communication about it, no in formation when i call repeatedly to inquire whatthe XXXX is going on. NOTHING!!! I am XXXX yrs old and i have nearly had a XXXX XXXX from these XXXX criminals witholding my needed funds most especially when they advertise no such things as refusing to let customers have their money!!!! I will get justice if it is the last thing i do on this earth. FDIC???? How on earth????
|
| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX $ XXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX APPLE CARD - GS BANK USA XXXX XXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX Charged off turned into a certificate of indebtedness According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 15 U.S. Code 1681 ( E ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by the 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic person information. '' Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. '' Furnisher of information to credit agencies is a financial institution by definition by definition under that title 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ''
|
| 05/07/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
I was totally approved and giving the ok to activate my Apple Card and XXXX XXXX XXXX but one still getting a message from my XXXX XXXX XXXX ( even after I got a full approval activation link to my Apple credit card ) that sending and recieving money in messages have been restricted and unavailable for my use. its been very difficult to get around this so Im gon na need a bit more help because Im suspose to be in process of getting cash back from my XXXX credit card from making my XXXX purchase. +example -if you successfully dispute a transaction for which you initially earned XXXX XXXX, which results in a permanent credit being applied to your Account ; or so Im pretty sure that means I am approved for perminate unlimited credit. in Conclusion There are just a few more things from my contract I wanted to point out starting with -PHYSICAL COMPANION CARD Upon your request, we will issue you a physical Card that you can use to make Transactions from your Account.
& -Welcome to Apple Card!
Your Apple Card Account is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX ( " Bank '', " we '', " us '', or " our '' ) and this is a legal agreement between you and us. By using your Apple Card Account or adding your Card to XXXX XXXX, you are agreeing to be bound by this " Agreement '', which includes this Apple Card Customer Agreement, together with your rates information, which can be found in your XXXX XXXXt. Please read it carefully, and keep a copy for your records.
You can view, print, save and email current versions of the Agreement at any time from your XXXX XXXX, or you can request this Agreement by contacting us.
CONTACTING US XXXX instead of writing this email should I have called because I already spoke to XXXX and she help me as much as possible. Should the percent improve fix Be expected in the new phone?
|
| 10/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I informed Apple Card by Goldman Sachs that I was encountering financial difficulties due to health issues faced by myself and a family member. I have had the account for a couple years and have established a track record of making full payments, each month, on time.
I have diligently been making payments each month over the last 3 months, but have relentlessly been charged interest and have not been offered any help with the continual charges, notwithstanding my longtime account member status.
In addition, the interest calculator tool has been incorrect, and the system increases the amount of interest in large excess than what it states it will be as the month goes along.
I have been charged over {$250.00} in interest over the last 4 months despite proactively reaching out to ask for disaster relief ( stemming from XXXX damage to my family member 's home in FL ) and health crisis considerations. When I call, I receive discourteous, unhelpful service, along with false promises about what interest can be waived and what can be done for my account.
Additionally, I was told that I couldn't receive any help since I had already made the minimum payment in a given month and to call back early the next month ( which means that I'm being penalized for making as many payments as possible! ). However, when I called back the next month before making any payments, I was told I STILL could not receive any assistance.
Apple Card has been the worst experience, from a customer service standpoint, imaginable. As a comparison, when I called XXXX with a similar request, I was given a XXXX interest waiver and an offer to be put on a zero-interest plan for 12 months. I don't expect that every company will behave the same, but I certainly did not expect that XXXX and Goldman Sachs would leave me feeling so helpless and hopeless.
|
| 07/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I have a credit limit of XXXX and XXXX balance right now. On XX/XX/2023 I decided to upgrade my XXXX laptop and I made a purchase through apple.com financing monthly payment option. Everything went through. I decided I wanted to upgrade the specs even more, so I cancelled that order, and tried to place another one.
My cancellation went through, but the payment for placing a new order got denied. I kept getting this error.
" Thank you for your interest in Apple Card Monthly Installments.
Unfortunately, your payment was not approved at this time.
Please go to the XXXX app to manage your Apple Card account or chat with an Apple Card Specialist.
You can also continue your purchase by selecting a different payment method '' I didn't get a fraudulent prompt or call like I normally would. So I called Goldman Sachs support and used their text services. They said it got flagged for fraud, so they verified my identity, released it and said I can make the purchase. So I try to make the purchase again.
Same cycle, this time I had to verify with my driver license and change my XXXX XXXX XXXX. Then same cycle again. I then call support and she says my account is completely clear, review is over. I make the purchase with her on the phone. She says it flagged it again, and now my account is under review again. It's become a vicious cycle. Even the support rep was confused and apologetic that she didn't know what was going on. I was just in a cycle of, make purchase, get denied, account under review.
Then when an account is under review, a support agent can't tell you anything or or do anything else. Instead they just say you'll have to wait the 5-7 days for someone to call. No one ever calls. Even then, the same issue keeps happening. I can not use my card.
At this time my account is restricted and frozen again.
|
| 07/30/2022 |
No |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This is to get resolved on transferring my available funds in my savings acct. at Goldmans Sacks Bank USA, website by marcus.com. I have my this savings acct. for more than 10 years.
For last 3~4 weeks, I tried to do online transfer of my available money at my sav. acct in Goldmans Sacks Bank USA, website by marcus.com, to other financial institutes with better saving rate or investment options due to ongoing higher inflation.
I was able to log in my acct. at marcus.com each time, but keep getting the error mesg. 'website has technical problem, come back later ', my online transfer can't go through.
I called their customer support at XXXX yesterday to resolve the freeze of my acct. The 1st representative verified my identity by verifying my secret pass code, I asked the representative to un-freeze my acct and let me transfer my available money in this acct. She refused and instead transfer me to another representative. The 2nd representative spent ~ one hour on the phone, making excuse of verifying my identity., asking me my family infor., instead asking me the standard security questions, as all other banks do, my current address, places I had lived, etc. At the end, the 2nd representative refused to un-freeze my acct. And told me I need to send additional proof to them.
This is the worst nightmare as a bank customer I ever have. I have this acct for more than 10 years and it worked ok until~ 4 weeks ago to transfer in and out my available money in my acct. Also, other smaller banks online offering better saving rate usually help me over the phone to transfer my money in a few minutes.
Also, I received Transfer Failure Notice from my other local bank, XXXX, here, shown below : ' On XX/XX/2022, you initiated deposit verification for your account : Goldman Sachs Bank USA, XXXX, Savings # # # # # # # # '
|
| 12/10/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
Goldman Sachs Bank XXXX XXXX failed to follow my instructions to close a XXXX account and transfer the balance to my linked external account. My XXXX account reached maturity on XX/XX/2023. I called on XX/XX/2023 and gave instructions to close it at maturity and transfer the balance to my linked account at XXXX XXXX XXXX ( XXXX ). The rep went over the details and asked me to verbally authorize. I did.
On XX/XX/XXXX, XXXX days after the transfer ought to have occurredI discovered the funds were not in my XXXX account. I contacted XXXX and was bounced around by reps and specialists for more than two hours.
When the last rep said she would submit my case for review which would take one to three days, I asked for a supervisor. The supervisor, XXXX, said the issue was something to do with verification of my XXXX account. That made no sense. I have statements from XXXX that prove my account at XXXX was verified months before ; and, when I gave instructions to close a CD account that matured XX/XX/2023, the funds transferred to my TSB account without a hitch.
I suggested that the supervisor look at the XX/XX/2023 closing and transfer to XXXX as well as the verification that preceded it ( XX/XX/2023 ). I had no dealings with XXXX between that time and my XX/XX/2023 call to close the XXXX maturing XX/XX/XXXX so there was no reason or occasion for anything to change. The supervisor offered no explanation as to what went wrong. She expedited the XXXX closing and the funds appeared in my XXXX account XXXX XXXX days after they should have.
XXXX submitting this complaint in the hope that the CFPB will take action to protect others from similar mistreatment. Consumers should not have to fight for what is rightfully and legally theirs. Had I not put myself through customer service XXXX, XXXX would still have my money.
|
| 01/17/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I had a CD with XXXX XXXX, that was transferred to XXXX XXXX. I was told everything would remain the same, and for two years it did and I was very happy with them. This happiness induced me to open two more Cds with them for a total of three. The latter two CDS were opened with Goldman Sachs. My problem began when they began Using XXXX/Goldman Sachs and transferred these cds to them My problem began when in XX/XX/XXXX they changed my user name to my email address, without any authorization, and will not let me log in without sending to my email address a pin every time I want to Log into my account. I have complained to them numerous times about this problem.
Today I filed another complaint with them and this time I insisted on a case # XXXX, with a person who said his name was XXXX who refused to provide his last name or employee ID # who said he worked in the XXXX XXXX XXXX Utah office. On the other occasions I complained they sent no written correspondence to say the complaints had been received. Today I requested a copy of my complaint and case # be sent to me. I was told sorry they can not do that. There is simply something very wrong with this situation.
This use of email address as a user name and forcing people to accept this and logging into a site that is not secure like a bank is supposed to be is absolutely absured and not what I agreed to when these accounts were opened.
Email can be hacked thus exposing my information to anyone that would hack or intercept an email. I DO NOT WANT MY BANK ACCOUNT NAME TO BE MY EMAIL ADDRESS, It then would let the hacker get not only information to these accounts but all linked accounts. I feel very unsafe with this institution, before they were very nice and responsible now they are HORRIBLE. Even their customer service and accessibility sucks too now.
|
| 10/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
On Wednesday XX/XX/2023 at approximately XXXX Arizona time I chatted through my Apple Card Wallet App on my XXXX ( there is a chat feature there ) to " XXXX XXXX and politely explained that I want to close my Apple Card aka Goldman Sachs credit card and want confirmation sent to me. I previously asked them to lower my rate on numerous occasions and they repeatedly and abruptly refused. In addition, to earn the " cash rewards '' called " XXXX XXXX '' they require you to open up a separate account to actually get the rewards, instead of just mailing you a check or transferring it to your own bank account. But mostly I just wanted to close my account and be done with the XXXX Credit Card and Goldman Sachs. After several minutes of chatting and sharing all of this information, XXXX said he is unable to close my account and needs to transfer me to a supervisor. I feel Apple Card and Goldman Sachs purposely make it difficult for consumers to close their accounts so they can figure out a way to continue to charge interest and fees to them. They also make it difficult to remove the Apple Card from various accounts including XXXX : I have tried deleting my Apple Card from the XXXX app without any success. On top of that, I feel they are doing a " bait and switch '' by not allowing customers to access the " 3 % cash rewards '' they promise you when you use their card. Mostly I just want this account closed " at consumer 's request '' so it reflects correctly on my credit card. I do not want to be sold why I need to keep my Apple Card aka Goldman Sachs card and be coerced into paying almost 30 % interest. This company should not be allowed to do credit card business in the state of Arizona or anywhere in the United States. I know Goldman Sachs is a rich huge company but their behavior should be illegal. Thank you.
|
| 11/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have an Apple Card ( XXXX ) issued by XXXX XXXX. An important feature of the card is the ability to buy XXXX products on an installment plan with 0 % interest for 24 months. I took advantage of this offer and bought an items for {$1400.00}. on XX/XX/2021.
I have faithfully always paid the full amount due monthly on the card since that time.
I also used the card to make unrelated purchases from non-Apple merchants. One of those purchases needed to be refunded. The merchant refunded the money to my card. Note that this was after I had paid the balance on the card. I assumed that like any other credit card I would then have a negative balance on the card and could then get a check issued to me ( as per 1026.11 of the Truth in Lending act ).
However, even though I have a negative balance on the card Goldman Sachs has refused to remit the funds to me. Instead they are holding the money and claim that they will apply it to any amounts I may owe in the future on a monthly basis. According to Goldman Sachs ' representatives this is because I opted to use the 24 month interest free offer.
This is a clear violation of the Truth in Lending Act -- - and also unreasonably changes the terms of the 24 month interest free purchase ( which even they call an " installment '' plan ) after the fact. It is unethical and penalizes me for being a savvy/ethical consumer who always pays off his credit cards. Effectively they have turned a non-secured credit line into a secured credit line by holding my refund XXXX.
I have raised this issue with Goldman Sachs customer service, escalated it to a supervisor and finally reached out to the executive offices of Goldman Sachs ( via XXXX ). They insist on holding on to the funds.
Note that I have always paid what is due on the card.
Any assistance would be appreciated.
|
| 01/04/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Hi, My account at Marcus by Goldman Sachs has been locked for a month. A month ago, I attempted to transfer my money from Marcus to another bank via calling Marcus, and found my account locked the next Monday, without any warning or notification during that call. I called Marcus again, and was told that they would send me a form to fill and send back to them for reviewing. I filled and sent the form immediately after receiving it, and called back to check its status after I saw the tracking status as 'delivered '. This time, I was told that it would take 7 to 10 days after I sent it out for the review. So I waited 7 days and called again. I was told that it was not done yet, and I may call back next Monday. I called on next Wednesday, and was again told that it is not done, and I should wait 7 to 10 days after they receiving the form. Now it is already over a month after my account was locked, and 2 weeks after I sent the form. The form is just for identity confirmation, and I wondered what kind of review process could take over a week ( which is not done yet! ). I also requested for talking to people who is in charge of reviewing, and got rejected.
My experience with Marcus is very unpleasant. First, they should warn me if there is any potential issue when I make the transaction. Second, the whole process takes a very long time from sending the form and reviewing. Third, it is a lot of communication between the department answer my call, the department receiving my form, and the department review my form. Meanwhile, I can only speak to the people on service call, and won't get valid information or direct communication with the reviewing department. Also, the timeline of unlocking my account kept being putting off and no one from Marcus takes responsibility of solving the problem as soon as possible.
|
| 08/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I was sent a third party text link from a stock pick company XXXX This text sent to my phone only had a simple credit card form to fill out for payment. This wasn't completed on the merchants website at all. When I got access to this information, I immediately requested a refund seeing this isn't what I was told it was to be. This company told me they don't honor refunds. I immediately filed a dispute with Goldman Sachs ( Apple Card ). Apple Card accepted this companies generic website pages as proof of purchase. I have asked over and over again for proof of me accepting a no refund policy as again this transaction NEVER occurred on this website, again all done via a third party text message link for credit card input. They have NEVER provided this proof as you must select the box as agreeing to their terms which again never happened. Since filing a dispute, this company that took my {$4500.00} has blocked my access and deleted my account. I have supplied Apple Card with this information and they yet refund my money. I have contacted XXXX many times via email, text, and they won't respond to me. They have again blocked my account, this is FRAUD!! This XXXX company has FRAUDED me out of {$4500.00} and I want my refund. I have tried many times resolving this with Apple Card, today I simply asked for my account number so I may include it in this dispute, they refused to provide me with this information.
Goldman Sachs has failed to protect me the consumer allowing a company fraud me out of {$4500.00} when I have clearly supplied evidence XXXX has deleted my account and disabled my account since I submitted a dispute with that company.
The document included shows my account has been deleted and disabled.
Goldman Sachs just now provided me with my account number.
This needs to be refunded 100 %!!
|
| 06/02/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Around XX/XX/2023, I opened an Apple Savings account with Goldman Sachs. Over the following weeks, I transferred all my savings to that account.
On XX/XX/2023 I successfully made a withdrawal. However, when I attempted to withdraw more money on XX/XX/2023, that and all subsequent attempts to withdraw my money were declined. I immediately contacted support on chat for assistance, but the agent was not able to help beyond saying she had made notes of the problem.
On XX/XX/2023, I noticed a message had appeared on my account that said " Savings Account Restricted. Your savings account has been restricted. Contact Support for more information. '' I immediately contacted support and was told there was a problem with the telephone number on my account. I recently moved and changed numbers, but Goldman Sachs were unable to update my number and offered no facility for me to correct it. The agent said I would be contacted in a few days when the back-office team had investigated it.
I waited a few days and called again on XX/XX/2023, and was told there was no update and there was nothing I could do except call again later to ask for an update.
I called again on XX/XX/2023 and even though I explained I have bills due and no way to pay them without access to my savings, I was still told there was nothing I could do except wait and that I would be contacted in a few days.
I explained that I felt like my money was being held hostage and asked what legal recourse I had available. The agent couldn't offer any information and when I asked for a name and address to file a report, the agent was similarly not able to provide that information.
I have not had access to my savings for nearly two weeks now and repeated calls to Goldman Sachs have not provided any means for me to regain access to my money.
|
| 07/17/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Back in XX/XX/2023 I applied and was approved for Apple Credit card and purchased two laptops for my children. Next day I went to XXXX and found the same laptops {$500.00} cheaper. I called Apple and asked for price match which they refuse and told me to return the products, which I did the following day. I have not received any communication from Goldman Sachs or Apple in the mail and on XX/XX/XXXX, I received an alert from my credit monitoring company regarding late payment on my credit report. I started to investigate and found {$120.00} balance on Apple card. I did not receive any statements or communication from Goldman Sachs or Apple regarding this and was completely shocked since I returned all what I purchased for full refund.
I called the number on the credit report and spoke to the Goldman Sachs representative, who informed me that the balance due reflects daily cash/cash back that Goldman Sachs gave me for the purchase. I have never received anything from Goldman Sachs or Apple and never had the access to the cash back they are referring to or have knowledge about. I did not redeem anything and like all normal credit cards require did not approve any redemption. The account Goldman Sachs claims the cash was sent to, has never been setup and I do not use Apple wallet where the Goldman Sachs claims the cash will show up.
On XX/XX/XXXX, I made a payment to pay the balance on the card which I do not owe to them and I have no access to the cash they referring to. Also, on the top of that, I have a late payment on my credit report that significantly affected my nearly perfect score. I contacted Goldman Sachs multiple times and spoke to many different supervisors and representatives and no-one is willing to do the right thing and remove this scam of my credit report and return my money.
|
| 07/13/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
Morning, I have a Goldman Sachs Apple Card. I used it to purchase an XXXX XXXX and watch back in XX/XX/XXXX. I was having user ability issues and during the peak of covid most apple stores were limited so I returned the items the same month of purchase, XXXX of XXXX. Install payments seized after I returned the products. In XXXX, XXXX i starter being charged install payments in the amount of {$11.00}. Once I noticed this amount was being charged for a returns item I immediately contacted Apple and Goldman Sachs. I have made many calls and get transferred multiple times. They have proof the items were returned. I made a duplicate payment in the month of XX/XX/XXXX and I should actually have a credit on my store account. They took the duplicate payment and applied it to XXXX XXXX for products returned. If this sounds all confusing to you I understand but the issue is they keep charging me. When I asked them to close out my card due to their own incompetence they read a disclaimer that I would be responsible for the total bill owed. I am not paying for installment payments for products returned. They keeps charging me monthly and while everyone is polite and kind when I call they continue to charge my account. I was told that my account would be frozen while they investigate the matter but instead I received a letter stating it Thuy are trying to collect a debt. They have failed to show my why I am being charged this amount and havent cleared this matter up. I have asked them to contact their tech support. They keep misappropriating my payments and I dont owe them money. They have failed to return my funds and I am thinking about contacting the media. I have never had a credit card fail to investigate fraudulent charges to an account and they have the nerve to send me a bill requesting payment.
|
| 10/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Apple & Goldman Sachs have failed to address their mistake that has impacted me. I followed up to dispute a transaction on my credit card. It has taken 6+ tries to get this addressed. This has been going on for months. Initially the attempts I made to follow up would eventually get disrupted by letting me know I was being transferred only to find out they were no longer transferring me. This happened 5 times in a row. I was following up consistently and this process was inefficient. When I finally thought this was addressed Apple tried to charge me the {$300.00} transaction several months later. There was no given explanation why they moved forward with this. When I tried to follow up they said they emailed me requesting for further evidence, which I gave them on my own accord previously. They said I needed to respond to the email they sent requesting this. I asked for the date the email was sent because I received no such email. They could not provide the date. Now I'm in the process of trying to get this addressed. I asked to speak to a supervisor otherwise to get transferred to the dept. to close my account. They kept stringing me along until I said if I'm not transferred I'll take this as a threat you're holding me hostage as a customer when you can not help me nor do I want to be your customer. I was unable to close the account at this time because they are unable to address the charge that was already settled in XXXX. I informed them this was fraud that they kept trying to charge me for something that was previously addressed. I was told a supervisor would call me today at the latest XXXX XXXX. I have not received a call and have emailed Apple once again. I am unsure of how to proceed because they are passing the buck and are trying to tire me out from following through or something.
|
| 09/07/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
To my understanding, when I signed up for an Apple Card in an Apple store, Apple automatically setup the account to be both paperless and to go to the email that is my AppleID. I don't use this email as anything but my Apple ID. That said, I payed off my account for that original purchase of an ipad in late 2019. Then sometime before XXXX the Apple Card became the default card for itunes/app store payments - it's unclear to me how - maybe automatically when the previous credit card expired? This lead to two unaccounted for app purchases for {$13.00} ( likely my 6yo daughter ) in XXXX not being realized until XXXX. While the Apple Card is supposed to be managed in the mobile device, I got no notifications or warnings or physical mail or phone calls. Only the emails to an email address I don't monitor and don't recall choosing for the account. By then I had two late payments reported and my FICO score dropped 109 points. It's also too late to dispute the app purchases and charges. So I called Apple and they forgave the interest on the 13.72 but said they could not do anything about the late payment reports. The refunded interest charges were {$0.00}, {$0.00}, {$0.00} and {$0.00}. I'm no lawyer, but it seems to me that two late payment reports on less than {$15.00}, with questionable and lazy business practices to make sure I'm aware as a customer, and get me with two late payment reports and a resulting credit drop of 109 points seems unfair, unwarranted, and frankly far too punitive. I can obviously handle losing {$13.00} for the apps, but to impact my credit score to that degree and my ability to get a loan to buy a house with enough room to handle two parents and XXXXyo all working and schooling from home, while parenting another XXXXyo child, in the middle of a pandemic. I'm upset.
|
| 10/01/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I had linked my Marcus savings account to my XXXX in order to pay someone for a larger purchase ( vacation for a group trip, in which another person paid for the trip up front and we all had to pay her via XXXX ) and it was getting declined despite having adequate funds in the account. I called the customer service number, which was almost completely automated and made it extremely difficult to speak to a person. I spoke to a woman named either XXXX or XXXX ( I'm sorry I can't quite remember ) and explained the situation. She explained to me that I was not allowed to use the account for things like XXXX, paying bills, etc. I asked what the reason for that was and she reiterated that it just was not allowed and I could only transfer to another bank account.
This seems extremely restrictive and there is really no good reason that I shouldn't be able to access my funds in any way I choose. This makes me especially anxious when considering Marcus has no physical locations. A transfer to my checking account takes a couple days and any other method that I might utilize my money, say by paying an urgent bill or unexpected expense is just " not allowed '' makes it seem like they are trying to implement rules for the sake of keeping the funds locked up tight. Although it is a savings, not a checking account, there are many, many conceivable reasons a person would need to access the funds in a way other than straight to a checking account. Further, it is not the Bank 's duty to police the ways in which a person can access their funds. XXXX nefarious activity, people should be free to access their funds in any way they choose.
I'll be closing the account so it will no longer apply to me, but it should be noted that Marcus is being unnecessarily restrictive in their use of other peoples ' money.
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
We opened an account with Greensky to finance a home project. I set up my online account and added in my bank info for auto pay. I paid the first payment XX/XX/XXXX manually. Autopay was supposed to start XX/XX/XXXX. It attempted to pull the payment from my bank and then reversed it ( I did not know this ). My next statement ( XX/XX/XXXX ) stated that there was a payment due. I went online and checked and it said it was paid up to date. I assumed that it was a timing issue with bank transfer and due date. I get my next statement XX/XX/XXXX and it says I have a payment due AGAIN. This time I called the company ( this was end of XXXX, XXXX ), and at that point found out that the autopay wasn't going through ( error in their site ). They told me I needed to delete my banking info and put it back in, which I did, and added a second bank account as well. However, the account had gone 30 days late, 5 days prior to me doing this, and therefore a XXXX mark on my credit. The company said they called my cell ( but told me they didn't leave a message ) to let me know there was a problem. What is the point of contacting the consumer if you aren't going to actually make contact? They did email me, but their email had gone into spam. My personal email gets a LOT of junk, and I didn't see it. My credit was perfect before this. It dropped from XXXX to XXXX because of this company. This was not my fault, I take my credit health very seriously, and have worked very hard to keep my credit in excellent status. Greensky was not willing to help me, nor take any responsibility for the technical errors with the autopay. This has destroyed my credit. We are in the process of building a home and this is a real problem. I just want it removed and my credit restored back to what it was. I NEVER pay anything late.
|
| 06/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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Synopsis : Loan obtained through Goldman Sacks by XXXX, was paid off by a balance transfer with a lower interest rate. The full balance due was paid to XXXX. The pay off amount was obtained by the monthly statement they provided to me. The full a balance was paid before the revolving date on the loan. XXXX, the lender refuses to waive the residual interest after the balance was paid in full. -- -- -- -- -- -- - I have been a member/customer of XXXX XXXX since XXXX. A few months ago a recommendation was made to me by their website regarding a balance transfer option. The financial institution that was recommended was XXXX by Goldman Sacks. I accepted the offer.
In XX/XX/XXXX i paid off the balance with XXXX, via a balance transfer from another financial institution with a lower APR. Unfortunately there was a residual balance left on my XXXX loan after the balance was paid in full.
I reached out to XXXX, via telephone on XX/XX/XXXX, and spoke with a rep, then her supervisor, XXXX at their Texas location. I explained to her that i was a referral customer to them through XXXX XXXX, and asked if they could waive the remaining interest since i had paid the balance in full. I explained that their statement made available to me via their website advised me of the statement balance before the account/loan revolved. I also explained that I have paid off multiple, credit cards, loans and car loans, and the financial institution is always willing to forgive the remaining interest as a good faith gesture, and also to retain customers for future needs.
XXXX the supervisor at XXXX refused to entertain my request and repeatedly shut me down.
I feel that XXXX, refused to waive the balance because i took the loan somewhere else, and they are trying to make a few extra bucks where ever they can.
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| 09/07/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
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Dear CFPB team, I am writing to express my complaint and dissatisfaction regarding Marcus by Goldman Sachs Savings Account Service. On XX/XX/XXXX, they locked my savings account and asked me provide an affidavit, I did go to an XXXX for the notary and sent back the affidavit to them, but they never let me know that they never receive my letter and didn't ask me to resend one. On XX/XX/XXXX, they forcibly closed my savings account. I called them for more information as I still have about {$25000.00} in that account, and I asked them send back the money to my original bank, XXXX XXXX XXXX, account ending in XXXX, they initially claimed that they would transfer the balance within 1-3 business days. However, it has now been over 10 business days, and I have not received any refund. I have attempted to contact Goldman Sachs 's customer service multiple times, but unfortunately, I have not received any clear responses regarding my issue. No matter how many times I call, no one is willing to address or provide a detailed explanation, and some even threatened me that I already lost my money because my account is closed, if my XXXX XXXX XXXX account can not receive it, the money can't be returned to the closed Marcus account, and then I will just lose the money, which has left me feeling extremely disappointed and confused.
As a customer of Goldman Sachs Bank, I have placed trust and reliance in their services, but this recent experience has left me highly dissatisfied. I hope that you can assist me in resolving this matter and ensure the safe return of my funds to my XXXX XXXX XXXXXXXX account.
I can provide any other information if you need, such as my driver 's license, passport, etc.
Once again, thank you and hope you can help me with this case!
Thank you!.
Sincerely.
XXXX XXXX
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| 07/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Hi CFPB, I am having a large issue with my Apple Credit Card.
I have had the card roughly a year.
I have, and have always used, the full auto payment feature of the card.
Each month I get statements.
I have XXXX problems of varying severity : 1. If you add up the new charges on the statements, they do not add up to the amount they say it does 2. if you add up the online transactions they also do not match the statement amount 3. they say I am revolving a $ XXXX balance month to month but I am on full auto pay and can confirm each month it is set to pay the full balance. Even after a month of paying the full balance, they charge me another $ XXXX. It doesnt make any sense.
4. when I texted them about it, they admitted it was broken, forwarded me to a manager and then the manager said that it is what it is. When I called about it they just hung up on me. Something is wrong. I am a very kind and polite person and this doesn't make any sense. I never was rude or yelled or was expressing my frustration I don't understand why they are treating me this way.
something is seriously wrong with the apple credit card accounting and I am worried it is costing me hundreds of dollars because of their bug, and nobody in the support teams, not managers, not front line has any answer for it.
I have more documentation I can upload but it says it has a XXXX limit, happy to upload any and all data : including statements, screenshots, call logs with support, text logs with support.
I reached out to XXXX XXXX times across chat and phone, each time resulting in either " it is what it is '' or just straight up hanging up on me. which is odd bc nobody was rude, usually if people hang up on you they are rude to you, they just say oh ok I see your statements, then hang up. something is wrong here.
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| 09/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In all began, XX/XX/2022. I am not sure of the specific date but you will notice patterns of transactions on two of my credit cards. The transactions came in crazy for about a month. Since then I have been trying to file disputes but I found myself paying interest on transactions that werent mine. For nearly two years I have had to deal with there fraudulent charges. Accumulating to over XXXX. I have had to buy most of it down. The Apple company does a poor job in verifying purchases. As soon as I noticed these charges I requested a new card and apple had sent suspicious activity warning to my email but never did they permanently remove the charges from my account. The discover credit charges began the same week. I noticed immediately too and I have had to speak to multiple people and had to file multiple disputes only to end up in the same spot. Two credit cards having a mass spending is no coincidence. I noticed that not only have I lost the physical card but both these cards are the only two out of the 7 I had that was connected to my phone. I went as far as contacting the police and explaining my situation. It turns out the mall I had visited on my birthday XXXX XXXX there had been reports of stolen information when charging your phone at a port. I tried explaining this to my credit card companys but they cant asking for information I did not have. I figured out the problem but they couldnt grant me the dispute. So please, now I know not to using a phone charging station in a public setting. Ive been severely suffering and I dont want to sue these two companies for the impact of emotional distress Ive been experiencing for the past two years. I have been trying. I am a XXXX XXXX just trying to focus on school but I was faced with at a XXXX age to deal with serious matter.
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| 11/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have purchased XXXX item from XXXX XXXX XXXX XXXX on XX/XX/2021 worth {$3000.00}. I have paid extra to deliver the parcel on time because receiver going to take this gift overseas. Somehow seller did not ship/deliver item on time and missed the deadline. So I have decided to cancel the order and told seller to reroute the parcel and cancelled the order. I told them they must reroute and make sure carrier do not deliver or leave it outside. It was unsafe and no one were going to at place to receive for next XXXX months. so I decided to canceled the order and reroute requested to the seller. I have emailed seller and got in writing from them. Rerouting was successfully done and buyer is not responsible for anything. I told them that can refund after receive the item. Somehow XXXX did not deliver and returned the parcel on base. they accidentally loss the parcel or gave it to someone else. I told seller to dispute with carrier and provide me information about who received the package. I have filed the dispute with my Goldman Sachs bank XXXX time but everytime they favor dispute on seller side. I asked them why and what proof they have provided. they said they received proof of purchase ( Invoice ). I told my bank that proof is not sufficient. They need to provide us proof from carrier whom they gave the parcel or how they lost it. Credit card company did not help and I am not able to talk over the phone. If I have cancelled the order and seller had rerouted the item. I am not responsible for any loss after it. I have emailed seller multiple times but they failed to reply me on time and credit card company was favoring seller on based on invoice. I told my credit card company that I have purchased but never received and cancelled the order. They should review the case properly.
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| 04/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Apple credit card- is violating the FCRA and reporting : 1. I owe {$2800.00} on debits that were ruled during identity theft disputes filed, and filed to not be my charges. I actually owe XXXX. They have told me during multiple calls I dont owe, and they emailed a accountant to write off the charges.
2. Inaccurate reporting to the credit bureaus : my last dispute was finalized by XX/XX/XXXX, yet they have reported to bureaus the fraud charges instead of removing them by the statuatory deadline of XX/XX/XXXX. It took XXXX calls to get my balance amount due because their system does not show what is actually owed. It was paid off in XX/XX/XXXX. Suggest they fix their system to show charges customer owes from fraud charges, 3. Since I owe nothing, and all fraud charges sere disputed in my favor, they needed to report on XX/XX/XXXX only the balance I owed, not leave the fraud charges on my account as a balance due. Instead of me owing {$250.00} roughly, their reporting to bureaus as of XX/XX/XXXX, over {$3600.00} is owed, inaccurate reporting.
4. As of XX/XX/XXXX, their reporting I am delinquent and owe over {$2800.00} when I dont owe any money. Their only solution is to send a email and nothing gets done. Theyve stated I dont owe, but they can fix their system as their not allowed to do any entries, only their accountant can fix this, but she never called me like they promised she would do in XXXX, XXXX.
I have asked for the credit reporting to be fixed, and my credit score returned to XXXX like it was prior to their inaccurate reporting. Who can help me?
I sent them a certified letter disputing the inaccuracies and they received it on XX/XX/XXXX. Please make them comply with the laws since they have until XX/XX/XXXX to fix the innacurate reporting, Thank you, XXXX XXXX.
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| 11/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This issue is regarding Apple Card operated by Goldman Sachs. I tried to make a payment for XXXX on XXXX. The payment was attempted erroneously using an unused bank account. I immediately made a separate payment from the correct bank and requested Apple card to cancel the other payment. They asked me to wait till it is posted the next XXXX The next XXXX when it got posted, they told me it cant be cancelled. They said they have to do a manual refund to the account to cancel it. They told me no physical money would move. I agreed. Immediately the payment was shown as cancelled and the balance was corrected. I thought that was the end of it.
Now they have posted a balance adjustment of XXXX on XX/XX/XXXX increasing my outstanding balance. I tried raising a dispute XXXX times. Both times the customer service agent understood the issue but then the dispute was closed in XXXXXXXX XXXX with a very weird message. They said and I quote Your dispute has been investigated. You contacted us on XX/XX/XXXX regarding a payment to your Apple Card account. We have investigated your dispute and determined that no error occurred. Your payment of {$1300.00} was refunded to your bank account ending in XXXX as requested on XX/XX/XXXX. Your bank then returned the payment on XX/XX/XXXX which increased your outstanding balance by {$1300.00}. They are saying that they took money from the card to pay to my bank that gave the money back and so my balance went up. If the bank didnt give the money back and its in my bank account, I would understand. But this explanation is totally hilarious.
While raising the dispute, I asked them to look at the balance on XX/XX/XXXX, add purchases and deduct payments and then tally the balance. They seem unable to do or understand this simple math. Can you help out?
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| 07/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX my phone was stolen and the person gained access to my ApplePay and used this to make a {$4800.00} purchase on my Apple Card at an Apple Store in XXXX, NJ ( I live in XXXX )- some 50 miles away. When I realized this, I immediately called up to explain the fraud and a case was opened on XX/XX/XXXX. This case was closed on XX/XX/XXXX with merchant claiming I was responsible. When I asked how and for the evidence proving that I made the purchase I was told they could not give it to me over the phone but would mail it to me. I explained that they could look at the security footage and see that it was not me. I also explained that I had purchased a new phone that same day to replace my lost phone. I never received the evidence and continued to call asking about it. I never heard back and again on XX/XX/XXXX the case was closed against me. I immediately called and spoke to a supervisor who reopened the case and claimed they took copious notes explaining the situation. Again, I was told evidence would be sent to me and it wasn't. Again the case was reopened. It was closed on XX/XX/XXXX again against me WITHOUT anyone contacting me or sending me evidence on how they made the decision. I asked them to reopen the case which they than closed on XX/XX/XXXX AGAIN without anything being sent to me. At this point, I got on the phone with another supervisor who looked over the records and indicated this was never opened as a fraud investigation but rather a normal dispute. They re-opened the case as a fraud investigation, they provided me a link to submit my receipt showing I purchased a new phone within a very short time of the XXXX store purchase some 50 miles away - making it impossible for me to be in 2 places at once. On XX/XX/XXXX, they AGAIN closed the case against me.
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| 03/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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I have an Apple Goldman Sachs card. I booked a hotel XX/XX/2022 for a stay at the XXXX XXXX through their XXXX XXXX XXXX website for XXXX XXXX XXXX The cost was {$1000.00} I canceled this reservation on XX/XX/2022. The cancelation deadline was XX/XX/2022 ( 1 day before arrival ). The hotel charged me anyway and I disputed with Apple Goldman Sachs. The hotel provided their stance on the dispute which was that there was no cancelation allowed due to it being the XXXX XXXX XXXX and also that I booked from a third party and there is not cancelations allowed. I did not plan a stay at this hotel for the XXXX XXXX XXXX and a quick XXXX will show you that the XXXX XXXX XXXX was in XXXX. My stay was in XXXX. I also did not book through a third party. I booked directly through XXXX XXXX XXXX website for XXXX XXXXXXXX XXXX stay. Another quick XXXX will show that is the only way to directly book at this hotel. I provided screen shots of all of this to Apple Goldman Sachs and they have not done one ounce of research for me at all. The dispute gets denied and I open it up again. I ask for proof from the hotel and each time they state they investigated yet they still send me the same notes as the first dispute. This has been going on for months now. I am so upset that Apple Goldman Sachs has not done anything on my behalf. I do not carry a balance on this card and I also have amazing credit. I need help with this investigation and Apple Goldman Sachs to do their due diligence on my case. They have done nothing. Every time I call, Apple agrees with me, they send me to a Goldman Sachs rep and they also agree with me. What is going on???? You are allowing this specific hotel to rip people off and Apple Goldman Sachs is not doing any investigation when I am showing fact and the hotel is not!
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| 06/01/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I had initiated a withdrawal from my Apple savings account which is sponsored by Goldman Sachs. I had initiated a transfer on XX/XX/XXXX at XXXX XXXX and on XXXX XX/XX/XXXX, i called Goldman Sachs to inquire the status of my withdrawal. They stated it's still in a review process. Therefore, i called them late evening and they gave me three different answers.
First answer was that they needed to verify my bank account. Which i did by doing a conference call with Goldman Sachs and my transferring bank XXXX XXXX XXXX XXXX. Thereafter, they told me that i am all set and my money would be transferred to XXXX XXXX XXXX XXXX.
Thereafter i called again to get a status on same evening, they stated that it's still in a review process. I told them that my other bank ( XXXX ) account was verified and they had told me that my money would be transferred. They basically said " Sorry '' but we can't help you. I asked them to talk to supervisor, they stated they do not have a supervisor or managers. They are busy, till today XX/XX/2023, i haven't heard back from any supervisor or manager.
Third answer i received was that i can't get my money because i wasn't transferring out to the same back as the money came in from.
Therefore, i called them on XX/XX/XXXX morning and by that time my transaction was showing as " Declined ''. Therefore, they advised that i initiate a new transfer. Therefore, i did a new transfer.
I need this money to put a down payment for our new home. This postponed our closing on XX/XX/XXXX. My household good had to be delayed as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I had to reschedule handyman, appliance delivery, window and door installation.
This has caused us a significant amount of stress by them not providing an accurate answer to get our money.
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| 10/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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Ive been a customer for a while now When I called to see about lowering my interest rate on my accounts, Im treated, so Im trying to steal money from the bank. Or the monies coming out of the agents pocket. I have good credit. Ive been an excellent customer. Youve made plenty of money off me over the years. I dont understand why banks have to be so greedy you make billions and profit but the average guy whos just trying to get by I easily work 50 hours a week I take care of my kids. I always pay all of my bills on time but I dont understand why the bank cant just cut me a little slack here. Inflation is out of control and thats not your fault but its made everything so much more expensive, and when I call and I asked to see if you can lower the interest rate even if you lowered it just temporarily, that would be a help. Please explain to me why you have to be so greedy, and so unwilling to help the every day guy out here just trying to get by, why cant you lower my interest-rate? I mean is it really going to affect your bottom line that much youre still going to make billions and profit have some compassion put yourself in my shoes.
I am not asking you to reduce my balance in any way Im not asking to skip any payments. I will pay my bills like I always do but the interest at the level it is is making it virtually impossible to pay off this credit card. Does the bank have to be so greedy? Cant you have just a little bit of compassion Even if you just lowered it temporarily even safe for a few months six months or even a year that would be a huge help. Id be better if you could lower it permanently but Ill be happy if I could just get a lower interest rate for a few months anything to help please have some compassion. Thank you for your time and consideration. God bless.
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| 08/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/21, an unknown charge for {$840.00} was Pending on my Apple Card ( Goldman Sachs ), I submitted a dispute the same day and was told that, because the charge was still " pending '', they would monitor the charge and if the charge posted, the dispute process would start with no further action from me. If the charge did not post, it would just drop off of my account.
Since then, I have made dozens of calls and chat sessions with Apple Card Support about this charge that posted to my account on XX/XX/21. On this date, I received a " provisional credit '' and exactly one minute later, the provisional credit was reversed. After many phone calls, I finally learned that the dispute that I repeatedly called about had been ruled in the merchant 's favor because, they stated, I " withdrew my dispute '' -- this is a complete falsehood.
In an effort to resolve this matter, I sent emails to the merchant advising that the transaction was made fraudulently and, in coordination with the merchant and XXXX, successfully redirected the merchandise back to the merchant. After the merchandise was returned, I submitted proof of this to Apple Card Support. I have received multiple emails from Apple Card Support advising that a " credit has been applied '' to my account and have been told countless times ( verbally and in writing ) that I am " never responsible for unauthorized transactions '' yet, as of XX/XX/21, I am now receiving notifications from Apple Card that my account is " Past Due '' and the {$840.00} is now accruing interest charges and late fees.
Repeated phone calls to Apple Card Support, as recently as today ( XX/XX/21 ), have resulted in the same assurances that " the dispute is in process '' and " the credit will be applied '' but none of this ever actually happens.
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| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Dear CFPB, Goldman Sachs ( Apple Credit Card ) is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. ( I contacted their customer service department on a recorded phone on XX/XX/XXXX. The Apple card support team told me they have no knowledge of the Credit protection statute associated with COVID-19, in which no delinquency can be reported to the following credit agencies below until 120 days after the Pandemic ended, which was XX/XX/XXXX. In addition, accounts can be modified based on the impact on consumers. I was never late on this account prior to being laid off. I paid each as long as could until my unemployment benefits ran out.
APPLE CARD/ GS BANK USA XXXX Account # XXXX Date of Contact : XX/XX/XXXX Credit Limit : {$4500.00} NEVER /LATE to Start Date of Covid-19 ( XX/XX/XXXX ) Report : Late - XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Credit reporting Were required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies.
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( Started XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
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| 09/15/2021 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Older American, Servicemember |
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In XX/XX/XXXX I wrote a check in the amount of {$20000.00} for deposit and mailed it to Goldman Sachs to fund an account using their MARCUS savings account product. I was instructed to make the check payable to myself and endorse the back of the check. I followed their instructions exactly as they explained and mailed the physical check. The check was not cashed at that time and I was informed that Goldman Sachs could not locate the check. I placed a stop payment order on that check with my normal bank XXXX XXXX XXXX XXXX and replaced the lost check with a wire. I subsequently closed the Goldman Sachs account earlier this year ( I believe it was in the first quarter of the year ). On Thursday XX/XX/XXXX ( 15 months after writing the original check ) the check was cashed by Goldman Sachs and cleared from my XXXX XXXX XXXX XXXX account. I contacted XXXX XXXX on XX/XX/XXXX and was informed that they had no record of the check being received and my account was confirmed as closed and unfunded at that time. On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and was informed that the stop payment I placed on the check 15 months ago was no longer valid and would not have done any good because the stop payment is only valid for six months. Also on XX/XX/XXXX, a representative from Goldman Sachs reached out via phone and informed me that they would be reimbursing me my {$20000.00} via a check delivered via the US Mail, they confirmed what address to send it to and the call was completed and I believed the issue resolved. Today I was contacted via email by Goldman Sachs to let me know that since I have moved they can no longer send me a check and they don't know how to get the money back to me. As of filing this complaint I have no resolution on how am I going to get my {$20000.00} back.
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| 01/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
Older American |
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I have had a General Motors ( GM ) rewards card for more than 15 years and have never had any problems until Goldman-Sachs took over the rewards program connected with their Marcus Mastercard. Recently I learned that the awards that I have been accumulating for a number of years are now being removed from my account. I was told by GM from the very beginning that the awards would never expire, yet Goldman-Sachs has removed hundreds of dollars so far and stated they would continue to take regular monthly amounts until it reaches {$0.00}. They claimed that they could do this because I haven't used any reward dollars to buy a new car for over seven years. As I stated before this was never the case until now. Furthermore, I actually did purchase a new car well within the seven year restriction. The previous amount of reward dollars was approx. {$4700.00} and is now down to {$4100.00} and has been steadily dropping for the past year. I only noticed this recently as I have always been treated fairly and didn't suspect anything until this month. ( XX/XX/2023 ) I received no notification prior to their actions. I have contacted them several times regarding this matter, most recently on XX/XX/2023. After a lengthy discussion with customer service I was informed that the agent couldn't help me and that he would refer it to the appropriate department and that they would call me in " a few days ''. That was exactly two weeks ago today ( XXXX XXXXXXXX XXXX ) and I have heard nothing.
In summary my complaint is based on : 1 ) That Goldman-Sachs has arbitrarily changed the original terms to my credit card agreement.
XXXX ) They took these actions without my prior knowledge or consent.
XXXX ) After repeated attempts on my part they have not acted in good faith to resolve this issue.
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| 08/14/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
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Web |
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I have been a customer of MARCUS.com ( Marcus Goldman Sachs ) since XX/XX/XXXX.
About 6 months ago I opened a new cd and a saving account and made a deposit of $ XXXX, one day in XX/XX/XXXX, I tried to access my online account and found out it was being locked and there were no email notifications or any signs before they decided to lock my account.
Since that, I tried to call them numerous times and try to solve the issue but the first time I called their rep told me the house number was the only number that their internal system identified. Very soon I noticed she was lying, I have always used my cell phone as the primary number whenever I forgot the password their system would automatically send me the passcode to my cell phone. I told her I have never set my house number as the primary, and I asked her about where on the website had that setting and she said it was their internal system that identifies the house number, not the cell phone number. I then was promised that someone will be in contact with me no later than 48 hours to verify and provide the passcode. 2 days passed I did not get a single call from them, I then made several follow-up calls about this, and every time I was promised the same things and I still never got the call then I continued making several calls until someone finally said I can send them the notarized documents to prove my identity so I did it then I called again to follow up and make sure they got my documents. They told me they have received the documents and they are currently in the queue for review. I was told to call them back in 3-5 days to follow up on the status. It has been over 3 weeks, I have made a total of 6 calls at different times and I was always been told the same lies. Until today, MARCUS still locks my account.
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| 07/21/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
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Web |
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While living in NY in 2018, I opened an online Savings Account with Marcus by Goldman Sachs. However, I have recently moved to XXXX and a few months after I had to close my former US phone ( I opened a new virtual US number instead ) and transferred my US correspondence to a relative 's house address. Since then, Marcus blocked and then closed my account due to unspecified reasons ( likely related to the change in my contact information ) while I was trying to make a transfer to my own external checking account, which I understand. However, it's been almost a month that I've been contacting them to retrieve my funds from Marcus to my other US external checking account ( linked to my Marcus profile ) and they are putting multiple blocks. I have contacted them every single day. It's been a week since they told me my money would be transferred to my other account. Passed their deadline ( Tuesday ), I have contacted again and have only now mentioned that I should ask my other bank to recall the funds. Which I tried, but is not a feasible option since all the savings I accumulated on Marcus throughout the years ( around {$140000.00} ) were not originally sent from my current checking account so it can't be recalled. I've contacted Marcus again and now it will take another XXXX business days for them to give me another alternative. At this point, I'm considering they are just slowing the process, and holding my money hostage until I give up. They are not willing to collaborate and most agents have been extremely unpolite. I am in the middle of an expensive medical treatment and have an urgency in recollecting my money to pay for these expenses. I please ask for your assistance into this matter. I've contacted a lawyer recently who recommended placing this new complaint.
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| 02/11/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
|
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Web |
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On XX/XX/2021, called Marcus by Goldman Sachs ( MGS ) to perform a Domestic US wire from my MGS online savings account to my XXXX XXXX XXXX, XXXX. Individual Investement account, and I was asked to gather the required information ( Bank name, routing number, account number, etc ). I was informed that if the request was received by XXXX. of a business day, the domestic US wire would occure within hours of the request. When I called MGS on XX/XX/XXXX to provide the required Domesctic US Wire from MGS to XXXX XXXX, for some unkonwn reason the representative lied and decieved me by telling me that I could only perform a US domestic wire for an account that I had linked, which I was not told the day before, and has turned out to not be true.
On XX/XX/XXXX, I called back to MGS to verify the requirements to perform a US Domestic wire to XXXX XXXX, and only had enough time to get the represntative, who did not appear to know what he was doing, to verify that I could indeed perform a US domestic wire to an external account and it did not have to be linked.
On XX/XX/XXXX, called MGS to initiate the US Domestic wire to XXXX XXXX before the XXXX. deadline, and after 4 hours, checked my XXXX account and did not see the funds. Followed up the phone call to MGS and the MGS representative then proceeded to tell me that my US domestic wire was in the queue, and would need a primary and secondary review before the funds could be released ( which was not told to me ). Then, the MGS representative told me that after the review, it may take 2-3 business days to complete the US domestic wire.
**Complaint is to determine how many times and the Marcus By Goldman Sachs company lied and decieved me as a customer, and how this behavior can be corrected by Marcus by Goldman Sachs XXXX
|
| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am currently reaching out to the CFPB for help regarding an account with Goldman Sachs that hat has caused me severe health, economic and XXXX problems. In XXXX I spend XXXX dollars with Sachs and paid it back without a problem, in XXXX my business was disrupted because of covid and I was closed down unexpectedly. This caused me to miss 3 monthly payments with sachs. I reached out to Sachs explaining my problem, and requested a payment plan but was denied that option. In XXXX a member of management from XXXX reached out to me and after learning of my situation, transferred me to a Claims Specialist to further assist.. The specialist went over various options, so I chose the more affordable for me. I am attaching a copy of the agreement with this complaint. I was promised no interest and no late fees, and a report to the credit bureau. After making 3 monthly on-time payments Sachs promised to reinstate my account.
This agreement has been breached by Goldman. I have gotten charged interest, and late fees, and incorrect information has been submitted to the credit bureau. Thius has caused me a great number of problems, including a decrease in my credit score. I have tried getting this fixed on more than 12 occasions, including 4 with XXXX, but Sachs refuses to correct the information. This company is abusing its power and is breaching its agreement with me. The negligence of Goldman Sachs has caused me the opportunity to qualify for a loan that would have saved my business and home.
Goldsman has shown no mercy and has refused to correct the error. Goldsman has automatically deducted the payments from my checking account and refused to report this to the credit bureau. I need help against this monster of a company that has caused me so much pain and suffering.
|
| 10/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I discovered a fraudulent purchase on my Apple/Goldman Sachs credit card that was made overnight while I was sleeping. I immediately checked my Apple ID and subscriptions to confirm that nothing was charged overnight that should have been charged. After some quick research, I verified that the transaction was fraudulent and I requested an Apple Card/Goldman Sachs customer service representative to help me remove the charge.
Apple Card/Goldman Sachs provides two methods to contact customer service - a phone number, where customers languish on hold for more than XXXX hour, and a chat service through the XXXX service. Customer service representatives can not be contacted through either method, and it is clear that the system is designed to prevent customers from being able to speak with representatives.
I opened a chat to share XXXX screenshots with customer service to show that the charge on my credit card did not originate from my XXXX account. These XXXX screenshots are attached to this complaint. I sat on the customer support chat for three-plus hours and I received no response from Apple/Goldman Sachs . I also tried to call the phone number for support and have yet to be able to reach anyone. Meanwhile, I will be charged interest for this fraudulent purchase, which is something that I believe Apple Card/Goldman Sachs has done previously because it takes them so long to remove charges from accounts.
I do want to point out that this is a frequent pattern for Apple/Goldman Sachs . My card information has been stolen several times, despite the numbers allegedly changing every XXXX days, and every time I have to report fraud, it is a taxing and exhausting experience. It should not be this difficult to remove a fraudulent purchase from a credit card account.
|
| 03/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Goldman Sachs Bank , U.S.A. has erroneously accessed an interest charge to my account and has given me the run around in removing.it from my current account balance. I have called multiple times to no avail. I have also initiated a dispute of this charge via chat, to no avail. It is a clear error if you review the credit card statements which state on the upper left side of the statement ( underneath the monthly balance ) that " If you pay your monthly balance in full every month, you will avoid being charged interest ''. My monthly balance due in XX/XX/XXXX was {$1000.00}. That amount was OVERPAID ( in full ) by the due date XX/XX/XXXX as I submitted a payment in the amount of {$1100.00}, yet I was still charged {$15.00} in interest on XX/XX/XXXX at XXXX ET. Payment was processed and payment confirmation email was rec 'd ( by me ) at XXXX ET.
The representative via chat quoted the above was as a result of " trailing interest ''. However, that does NOT apply in this instance as for XXXX ) I was not accessed ANY interest on this card in the ENTIRE Year XXXX ( see page XXXX of XXXX of the XX/XX/XXXX statement which shows interest paid in the Year XXXX = {$0.00} ) and XXXX ) I paid the XXXX XXXX monthly balance of {$1500.00} in FULL by XX/XX/XXXX ( I was also still accessed an interest charge for XX/XX/XXXX, but the cc issuer ( Goldman Sachs XXXX has since credited that amount back to my account.
The remaining amount of {$930.00} owed on this account was sent & processed on XX/XX/XXXX. The correct, current monthly balance should be + {$1.00} and needs to be adjusted accordingly and expediently.
Attached are copies of all impacted statements along w/ a full account summary, in table format, which outlines ALL transactions, remaining balances, payments, etc.
|
| 03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
ATTENTION : THE FOLLOWING CREDIT REPORTING COMPANIES ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ; APPLE CARD / GS BANK, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score.
XXXX XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score.
XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score.
THE FAIR CREDIT REPORTING ACT 623. Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate Unfortunately this is not the first instance of negligence I have experienced as creditors and credit reporting agencies are often negligent and fail to report or update my credit file on time!
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
I am a victim of identify theft since XX/XX/XXXX and a police report was filed for the first incident in XXXX of XXXX. I have had several credit card accounts compromised, several new accounts open in my name, numerous inquiries into my credit from companies, new addresses and phone numbers that are not mine added to my credit report, etc. I have contacted all credit bureaus and have put a freeze on my credit. I have disputed all inaccurate information to the credit bureaus and have contacted the companies to dispute the unauthorized charges, newly opened credit lines, and incorrect information. I have been successful with all thus far with the exception of XXXX and Apple Card. An Apple Card was opened on XX/XX/XXXX. I printed my credit reports in XX/XX/XXXX and realized this card had been opened without my knowledge. I called Apple Card and reported this as fraudulent, informed them of my issues with identity theft, reported that the address and phone number they had on file was not mine, that I have never lived at that address, and that I have no knowledge of that address with the exception that the address was used to open and/or attempt to open multiple other fraudulent credit cards and loans. Apple Card informed me that they would look into the issue and they closed the account. I also reported this dispute with XXXX. I received notice at the beginning of XX/XX/XXXX that XXXX had founded in Apple Card 's favor and the information was verified. I then went to my local police department and filed an incident report with regard to the fraud. Apple Card and XXXX have yet to delete this information from my credit report. Whatever investigation Apple Card did, they never contacted me for additional information to verify my identity, address, or phone number.
|
| 10/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
At XXXX EST on XX/XX/2023 I received an email saying : We need to speak with you about your Apple Card account.
Be sure to call us at your earliest convenience. Call XXXX or click here to chat to contact us.
I reached out immediately via the chat service and was told to reset my Apple ID password. I did as requested. After I did this, they forwarded me to another representative to " continue the process '', but I had to wait 1 hour for this next agent. The next agent told me the card was locked and under review, and that they would call me when the review was completed. They said they could not tell me why the account was locked, or how long the review would take.
I reached out multiple times the next day and was told the same. I also tried calling and waited on hold for an hour before being told the same thing.
There was no information provided to me about what could have caused this, how I could fix it, or how long it would take.
My card has a balance on it, and I have auto pay set up. I asked if auto pay would still trigger even though I had no way to view my balance or submit a manual payment. They said they could not even provide me with that information. So for all I know, auto pay will still happen, or the balance will roll over and I'll owe interest payments.
After searching online I found that this is a common problem. People report that once the account is locked for review, it could take weeks or even months to get it resolved, and there is no way to get any information about the process.
My understanding is that Apple Card is managed by Goldman Sachs. I've had the card for years and been a member in good standing, never missing or even being late with a payment.
I saw no suspicious charges on my account before it was locked.
|
| 01/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased a cruise from XXXX XXXX scheduled to depart on XX/XX/XXXX, using my Apple credit card which is administered by Goldman Sachs. On XX/XX/XXXX, I paid XXXX and on XX/XX/XXXX, I paid XXXX. On XX/XX/XXXX, XXXX XXXX informed me that it was cancelling the cruise due to COVID-19 and I could choose either a future cruise credit or a full refund which would be paid in 90 days. On XX/XX/XXXX, I requested the full refund. I have not received any refund from XXXX XXXX and its website indicates that it does not know when it will be able to repay customers. XXXX XXXX XXXX While the company remains committed to honoring its contractual obligations, it is now on XX/XX/XXXX, 255 days from the date I requested a refund, well beyond what is reasonable for XXXX to refund my money. Pursuant to FTC rules, I initiated a credit card dispute with Apple/Goldman Sachs on XX/XX/XXXX, within 60 days that I was denied the service ( the cruise ) for which I had paid. On XX/XX/XXXX, the Apple/GS denied my dispute saying the merchant had given me a credit. They considered the future cruise credit option, which I rejected in lieu of a full refund, as a credit. I reinitiated the dispute, which was again denied in XX/XX/XXXX on the basis that the merchant had provided information that I had made the purchase. I reinitiated the dispute and yesterday it was again denied on the basis that the merchant had provided information that I had made the purchase. Each time, I have requested the information provided by the merchant and have received nothing. One CSR told me the merchant had provided no information. Moreover, I have never denied making the purchase. I never received the service!! I tried to again dispute the charge yesterday and I can not dispute it yet for some reason.
|
| 06/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Sunday, XX/XX/XXXX, my Apple credit card balance was around {$510.00} ; I paid {$390.00} towards the card to pay the remaining balance off in the coming week, possibly even the week after. The original balance, which was {$510.00}, which was due on the XXXX XXXX XXXX. However, I am a full-time XXXXt and do not want to be against the wall in credit card payments so close to the end of my XXXX XXXX, so I like to pay off my cards on time and have never had any issues with any of my cards until now. As I said, I paid {$390.00} towards the card but was charged twice instead of just once due to a glitch on behalf of Apple 's system. My original thought was that since XXXX times two is well over the XXXX dollar balance on the card, on top of the fact that only ONE of the XXXX dollar payments was taken off the credit, I believed that Apple would recognize the error and waiver the payment and forget about it, I was wrong to assume this. Come Tuesday, XX/XX/XXXX, I got an email stating that my bank account balance was at an overdrawn number of - {$340.00} and some change ; my balance before I made the payment to Apple was in the mid XXXX, so there was no reason for my account to be overdrawn after making ONE payment of XXXX dollars. I first asked for full reimbursement of the XXXX dollars, and I was told I would receive the XXXX dollars that I was falsely charged, and this did happen today, XX/XX/XXXX ; I see that I received the XXXX dollars in my bank account, but my card balance is XXXX dollars over what it should be, meaning that the XXXX dollars I never paid for but was charged for anyways have suddenly magically appeared into existence. My frustration is with the lack of a solution and the inability to fix the simple issue of Apple 's credit card system.
|
| 06/01/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
My husband and I received a business deposit to our Marcus CD account ( XXXX ). We were not aware that business related deposits were not allowed, and promptly transferred the funds into our Marcus savings account ( XXXX ) and then called Marcus to initiate a transfer transfer for the funds to a business account that Marcus had linked ( Marcus linked and unlinked the business checking account with me on the phone, and called to verify I gave them the " ok '' to send funds there ). Marcus did not transfer the funds and told me my savings account would be closed ( with {$410000.00} in it XXXX as business related transactions are not allowed, which I completely understand.
Instead of returning the assets to me via check as stated in the account agreement, Marcus said that the original funding institutions needed to request the funds back. They instructed one external institution who had funded the CD account to request the funds back from our savings account, which that institution had even send funds to before. The external institution tried to request the funds back ( from both the CD and Savings ) and were not successful and received an " account frozen '' and " account closed '' code.
Marcus isn't able to send the funds back to the originating institution themselves as it's beyond the time period where they could reject an incoming deposit. They are aware that it's also beyond the time period where the originating institution could request the funds back, and that they won't be able to do so from either account ( especially the savings account, which they never funded in the first place ).
Marcus by Goldman Sachs is part of a wave of online banks force-closing accounts and not returning assets to boost their balance sheets, which is illegal.
|
| 12/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
XX/XX/19 I applied for the Apple Card, based upon information from Apple employees that I would be able to finance an XXXX on Apple Card Installments by the end of the year. I decided to open the Apple Card, instead of applying for their 0 % XXXX loan/card to finance the phone.
XX/XX/19 Apple Card Installments was announced on Apples website officially. There was nothing detailing that you would not be able to use this feature if you purchased a sim-free phone.
XX/XX/19 I purchased the phone with my Apple Card. I was unable to purchase it using installments.
XX/XX/19 I spoke to an Apple Card advisor via text who stated that I would return and repurchase the phone, order to get the 0 % financing, and that it shouldnt be an issue.
XX/XX/19 I went to an Apple store to try to re-purchase the phone under the installment plan ( per an Apple Card advisor ), and was told that I could not use this feature unless I purchased the phone through a phone carrier ( such as XXXX XXXX XXXX ). I dont live in the USA full-time and can not be tied to a phone carrier, so this was not an option for me.
Also, as of this date there is nothing listed on their website that you need to purchase through a carrier. As such, this is false/misleading advertisement.
I spoke with several Apple advisors to confirm this policy.
If I had known that I would have had to purchase through a carrier in order to use Apple Card Installments I would never have opened up the Apple Card. I would have opened up the XXXX card instead for 0 % financing. But now, I am stuck Financing this phone at 12.45 % interest because I dont want to ding my credit by opening up a second credit card/account immediately after opening a new account.
This is deceptive marketing at its finest.
|
| 05/03/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/XXXX I opened a 10 month CD with a stated APY of 1.10 % and stated interest rate of 1.094 %. On that same day, I funded the CD with {$120000.00}. On XX/XX/XXXX I received a letter stating that the CD would mature on XX/XX/XXXX and that the estimated balance at maturity was {$120000.00}. Based on simple math ( i.e. ignoring the impacts of compounding ), I felt the balance at maturity was understated. My simple math was as follows : {$120000.00} initial balance x 1.094 % interest rate/365 days per year x 306 day term ( XX/XX/XXXX through XX/XX/XXXX ) = {$1100.00}. Based on that math, I felt the balance at maturity should be at least {$120000.00} ( {$120000.00} initial balance + {$1100.00} interest ), which suggests to me that the balance at maturity I was provided was understated by at least {$270.00} ( {$120000.00} per my math less {$120000.00} provided by Marcus ). On XX/XX/XXXX ( i.e. the day I received the letter ), I called Marcus Customer Service, explained my concerns and requested that they provide details as to how they derived their figure. I spoke with a gentleman named XXXX and ultimately asked to speak with his supervisor ( XXXX XXXX. Both told me that they could not provide specifics about calculations for my account. However, they said that they would submit a request and that someone would get back to me within two business days ( either by phone or email ) and provide me with a day by day summary of their interest calculations. It has now been four full business days and I have had no response. With that as background, my request is to either get supporting detail for the {$120000.00} balance at maturity they provided or to acknowledge that their calculations were incorrect and to provide me with corrected ones.
|
| 03/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
APPLE CARD ISSUED BY GOLDMAN SACHS BANK USA IS NOT IN COMPLIANCE BY LAW IN APPROVING AN APPLICATION FOR THE TRUE CARDHOLDER. IVE BEEN TRYING TO GET APPROVED FOR THE APPLE CARD FOR A WHOLE YEAR AND EVERYTIME I APPLY I GET DENIED EMAIL SAYING I WAS DENIED BECAUSE THEY CANT VERIFY MY IDENTITY.
WHICH IS NOT TRUE DURING THE PROCESS THEY ASK TO UPLOAD MY DRIVER LICENSE WHICH SAY SUBMITTED SUCESSFUL. THAN 10 MINUTES LATER I RECIEVED AN TEXT ON MY PHONE ASKED DID I APPLY FOR THE APPLE CARD I TEXTED BACK YES THAN SAY APPLICATION IS PENDING.
NEXT DAY I RECIEVED AN UPDATE ON APPLICATION THAT IT WAS DENIED SOLEY THEY CANT VERIFY MY IDENTITY WHEN I ALREADY SUBMITTED VALID DRIVER LICENSE WITH SAME ADDRESS ON DRIVER LICENSE ALSO THEY PULLED A SOFT XXXX PULL WHICH HAS SAME INFO I HAVE GOOD CREDIT AND THERES NO REASON FOR AN DENIAL WHEN I AM THE TRUE APPLICANT APPLYING. THERES AN ERROR SOMEONE WHERE IN THEIR SYSTEM THAT KEEPS DENYING MY APPLICATION FOR CREDIT WHICH IS UNFAIR I SHOULD HAVE SAME RIGHTS TO APPLY FOR CREDIT AS ANYONE ELSE WHO GET APPROVED.
ALSO REVIEWING ONLINE REVIEWS FROM PAST CARDHOLDERS OF APPLE SAYS WHEN DOING THEIR APPLICATION ON PHONE THEY GOT AN INSTANT APPROVAL WITHOUT ASKING FOR AN ID AND MOST COMPLAINTS PEOPLE HAVING TROUBLE GETTING APPROVED FOR CREDIT AFTER UPLOADING ID SAYING CANT VERIFY IDENTITY.
ENCLOSED IN ATTACHMENTS OF DRIVER LICENSE FRONT AND BACK, SOCIAL SECURITY NUMBER FRONT AND BACK, UTILITY BILL IS TO PROVE MY IDENTITY AND ASK THIS APPLICATION BE MANIUAL APPROVED.
I WILL BE SEEKING AN ATTORNEY TO ASSIST ME IN SUEING APPLE FOR DENYING ME FOR CREDIT FOR AN WHO YEAR WHEN I PROVEN MY IDENTITY IN UPLOADING MY DRIVER LICENSE AS REQUESTED BY APPLE WILL SUE IF THIS COMPLAINT IS NOT RESOLVED IN MY FAVOR BY XX/XX/2021
|
| 06/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I made a payment from my XXXX XXXX account to my Goldman Sachs Apple Card of {$6500.00}. It was processed XX/XX/2023. I accidentally mis-typed the last 4 digits of the card to apply the payment to. I notified XXXX and they told me the payment was already sent and that I should talk to Goldman Sachs. I notified Goldman Sachs and they told me they didn't accept money from other credit card companies. I asked where it stated that in their XXXX XXXX and the supervisor I was speaking with had no answer. I was looking at the XXXX XXXX and it does not state that anywhere. She just kept saying " we don't accept balance transfers. '' I asked if they accepted EFTs and she refused to answer me. She said she would put in a complaint on my behalf about updating the XXXX XXXX and that was all she could do for me.
I spoke with XXXX today and was advised that Goldman Sachs had failed to respond to their inquiry about my money. I called Goldman Sachs to put in a " Missing Payment Dispute '' because I have the check trace number on the payment. The girl I spoke with said she would put in a complaint for me but refused to take the check trace number because she " didn't know what to do with it. '' She said her supervisor told her they " have no way of tracing '' my money, despite the fact that I have a check trace number, dollar amount and date Goldman Sachs received it.
I have been told by XXXX that they have no way to retrieve the money from Goldman Sachs and Goldman Sachs is refusing to look for it. So this looks like Goldman Sachs is making out big time- they got my {$6500.00} AND they are still billing me interest on the credit card with a balance over {$6500.00}. I made a typo and tried to fix it and nobody at Goldman Sachs is trying to help.
|
| 11/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I used my apple card by Goldman Sachs to purchase an XXXX XXXX XXXX from apple with XXXX interest financing. I elected to trade in my old phone at that time. When my phone arrived I was given a box and shipping label to ship back my old phone for trade in, which I did. My trade in allowance of {$640.00} was credited to my account on XX/XX/19 but instead of being applied to my no interest installment account for the new XXXX it was accidentally applied through no fault of my own as a payment to my account. This made my account have a positive balance of + {$640.00}, even though I have an installment balance of - {$1100.00} for the new iphone. The apple card specialists have informed me that there is NO way for me to apply my positive balance to my negative installment balance, they can not write me a check or give me any sort of refund for my positive balance, and there is no way for me to pay off my installment balance whatsoever. The only thing I can do is wait for my monthly installment payments to slowly drain away the positive credit on my account, month to month. I can not pay off my phone early, there is no way for me to make an additional payment to apply to my installment. Because of a mistake on their end they are trying to force me to either use up my credit balance with purchases which I never intended that money to be used for, or to wait for months or years for that money to be slowly drained by monthly automated installment payments. This would in effect mean that they are holding my money, interest free and forcing me to carry a balance that I dont need, havent agreed to, and could easily be paid down if they simply applied the money that is already in my account to the installment balance which is also on my account.
|
| 05/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I made a purchase on XXXX on XX/XX/2020 for a project that was funded called XXXX XXXX made by XXXX. The transaction was {$180.00} and after a short period of time, I got an email from them that I can choose add-ons to the masks I paid for that I paid on XX/XX/2020 for {$71.00} for it.
I have contacted XXXX regarding refunds and they denied that they ever promised a deliver on XX/XX/2020 and they told me they will be shipped on XXXX of XXXX. Ever since then I have been contacting Apple Card support with Goldman Sachs and they been putting my dispute through and every time it getting resolved against me stating you made the purchase.
I told them many times that I did made the purchase but the seller never delivered and they denied me refund and they still after almost 8 months of delay have not send the items to me.
If you would look at XXXX page of XXXX XXXX, you will see hundreds of comments of angry people like myself that paid hundreds and in some cases thousands of Dollars and non of them received their items. And that is because this company is committing a fraud and protecting themselves behind XXXX policy. XXXX legally is the company who collects the money and credit card companies go after them and not the scammers who XXXX pays the money to.
This issue have taken 7-8 months of my time and at this point, there is zero chance of me letting it go and Apple Card Goldman Sachs finally sent me 2 letters with copies of privacy policy and terms and condition of XXXX as a reason of no refund.
I have never had this issue with any other credit card company and I am deeply disappointed and dissatisfied of their service and I had to submit my complaint to you so perhaps you can help me get my rightful refund.
Thank you in advance
|
| 04/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/XXXX I purchased an Apple XXXX for approximate {$1200.00}. Apple offered an " installment payment with no finance '' if paid off in 24 months if you put on a card, so payment would be {$51.00} a month. XX/XX/XXXX I noticed that my card was being charged interest and contacted Goldman & Sachs ( card company ) and advised of this. Apple representative called me back the next day and said their error they would credit all the finance charges and put phone on installment plan.. XX/XX/XXXX Apple Card ( Goldman & Sachs ) called me regarding my payment being behind, even though I had made a payment. Rep stated the payment was to be {$160.00}. I said What, why ... .They said well you owe for phone. I went through the installment that Apple advised and Apple NEVER applied the payments against the phone, they set up the installment plan 8 months later with the original amount. Supervisor at Goldman & Sachs saw the same thing and stated they were putting in a dispute and it could take up to 25 days to resolve. It has been past 25 days, still not resolved and they call every month stating I am past due. I tell the rep is there any notes... they go in and see the notes then say oh I am so sorry. Today when they called I said I am still waiting on resolution but at this point I am worried this is effecting my credit representative stated " Oh it absolutely is being reported that you are past due '' At that point I stated I was contacting CFPB and the Attorney 's General Office and wanted to speak with supervisor. Supervisor XXXX got on phone she also can see the error and is sending back a note regarding the false reporting to credit bureau but due to the amount of time that this has been going on I am worried this is not going to resolve.
|
| 06/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American, Servicemember |
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Please forgive me for the frustration and puzzelement in dealing with issues related to credit card industry, lately.
This is my brief story : For the first time - on XX/XX/2022- I decided to use Apple Card for buying XXXX from XXXX XXXX. For legitimate reason the merchandise was returned and full refund was issued timely to the creditor. At this stage, the matter should have been closed-like any other transaction with my other credit cards. Unexpectedly, Apple Card sees this proceeding differently and began demanding campaign for extraneous payment of {$38.00}. As a responsible consumer, I repeatedly asked to explain the reason for the required payment. Unfortunately, no satisfied response was received ( please examine exhibit 1 & 2 ).
On XX/XX/2022 I have been notified by my bank that my account is reported as delinquent and that my credit score dropped XXXX points from XXXX ( please examine exhibit 3 & 4 ). That would make a deliberate tangible difference in the quality of my family lives. Should anybody care about how disable senior citizens manage the authoritarian unethical means these creditors are applying at their customers with recklessness and impunity? I believe that FTC cares! I believe Apple Card is violating its supposed compliance with credit practices normally applied.
While checking my emails I inadvertently saw a misleading ad claimed by the creditor : Pay No Fees. Ever. Terms apply ( please see exhibit 5 ). In my case Apple Card has never said the origin of the demanded {$38.00} nor I have signed/agreed about anything alluding to that figure. Is this a ransom? Please help me understand whats going on, as Im at loss .The threat scheme posed to consumers by creditor practices remains real and should be abated.
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| 06/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have major issues with Apple Card Goldman Sachs stemming back to last year in XXXX when I ordered a office chair that was never received. I have called in multiple times explaining id like to dispute the charge because the Vendor for the chair told me to dispute it with my bank. I went into detail on exactly what happened, providing evidence and the correspondence with the Vendor. Goldman Sachs disregarded everything I provided and opened a " Fraud '' dispute which wasn't the case and ultimately siding with the Vendor stating they proved I made the purchase, which could of been avoided if their incompetent reps would of listened and actually opened the proper case. Since then I have called back/Chatted in and reopened the dispute trying to explain what had happened and every single time i am rushed off the phone/chat with the rep telling me " do not worry, it is filed under a did not receive claim '' and every single time im let down because they keep opening a " fraud '' charge. Its crazy as i STILL AM trying to dispute this and no resolve.
Fast forward to the beginning of this year with XXXX. I had made a purchase and returned the merchandise with a prepaid label provided by XXXX. The package was delievered to their warehouse but XXXX Customer service states they never got it. I have the tracking number SHOWING it was delievered and signed for at their warehouse, provided all of this evidence to Goldman Sachs and again they opened the WRONG dispute. The dispute they opened was a " fraud, Unknown purchase '' and again sided with the Vendor. I can not believe a huge bank such as Goldman could have such horrible and incompetent employees. Now I am stuck holding the bag so to say and have to pay for TWO charges that I shouldnt.
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| 06/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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This is a follow up from case XXXX as my issue is STILL not resolved. Goldman Sachs indicated they backdated my payment to XX/XX/XXXX, as it should have been, except I am still being assessed interest despite that statement being paid in full. They made no effort to contact me except for a single voicemail, where they did not leave a return number other than general customer service, and general customer service has no idea how to step into this matter and help me.
What I now show, is the payment date changed from XXXX to XX/XX/XXXX, and interest charges of {$77.00} on XX/XX/XXXX. General customer service says the payment date is wrong, it should be XX/XX/XXXX and shows as such on their end, but they can not explain the additional interest charge or the fact that my account is now accruing interest for the month of XXXX, despite it starting the month out with a {$0.00} balance, paid in full in the previous month. It is my supposition that their " backdating '' of the payment has created more problems for me than it solved.
Suffice it to say, my issue is not resolved, and as an aside, I believe Goldman Sachs is lying about the limitation of check payments existing on XXXX 's side. XXXX and my credit union both indicate the limitation is on Goldman 's side and while I can't definitely prove it one way or the other, I'll note that I have no issue paying any other credit card bank via XXXX. This is solely a problem with Goldman Sachs.
As an additional aside, I have filed for arbitration against Goldman Sachs on this matter, due to their continued unwillingness to simply fix my account. I would very much like to resolve this without seeing that process through to its conclusion but at this point I do not believe that is likely.
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| 08/07/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
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Complaint to Marcus by Goldman Sachs : I opened Marcus online saving account on XX/XX/XXXX, deposited {$25000.00} in the account on the same day. On XX/XX/XXXX, I decided to transfer the money out to my external bank which has been confirmed and verified by Marcus. The request was successfully submitted, and then the next day on XX/XX/XXXX, I received a phone call from a Marcus specialist asking to confirm if I was one that initiate this request. I confirmed with him that I was the one that made this action, and the external bank is my personal account as well.
My money was reverted back to Marcus the next day with no email or text notice. On XX/XX/XXXX, I tried logged into Marcus and found out my account was locked. I called Marcus the next two days, on XXXX and XXXX, the specialists were not able to told me why my account was locked after providing all my personal information, and they were not able to send their PIN or code to my cell phone saying they do not have my number on file, even though I registered my one and only phone number with them.
Then I was told an AOI form ( Affidavit of Adentity ) will be mailed to me to complete the verification process. I did as what they requested : completed the form with filling in sensitive information like SSN #, driver license #, DOB, Address, etc., got the form notarized, and mailed it back on XX/XX/XXXX.
I waited few days and called Marcus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, I was given the same runaround -- I need to give them 3-5 business days to review the form. Up to this date, my account has been locked for over a month, with no explaination on why the account was locked, no access the monthly statement, and have no clue if my money is still under my possesion.
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| 11/07/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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Trying to get Marcus to get a simple Wire Transfer has taken 2 days and it still hasnt been done. Their agents habitually lie, put you on hold forever and make up excuses that dont even make sense.
I asked for XXXX wire transfers and it is the end of the day on XXXX they still have not been done. Not only that they can't even tell me what is the status of those wire transfers. On top of that, they can't even find the record of the XXXX wire transfer request This is my XXXX call of the day to these lying degenerates and they have put me on an hour long hold and still can't provide me the status of those transfers. And it is the same story every time you try to withdraw your money from Marcus. They will lie and do everything possible to make it really hard for you to withdraw your money. I have asked them do whatever verification they need to do but they will lie saying that they dont need any more verification and then when you ask to withdraw any money, they will come up with all sort of made up reasons and delay your transfers for days.
Their verification department is so incompetent that they can't even figure out the right bank to call for verification. Just today they called up some random bank and got me on a XXXX way conference call to verify my details when I had nothing to do with that bank.
Going by past experience, the worst part is that the person who will respond to this complaint will be a similarly trained in lying to CFPB and will make up some non sense response that won't even address the issues at hand. What else can you expect from the XXXX bank on earth.
Their first line of agents are so incompetent, I have just spent an hour and a half with an agent who has no clue how a wire transfer is even done.
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| 11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Subject : Complaint Against Goldman Sachs Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Goldman Sachs regarding a matter that has significantly impacted my financial standing. I appreciate your attention to this issue and seek your assistance in resolving the situation.
On XX/XX/2023, I accepted the payment presented by Goldman Sachs, considering it as an implicit agreement to the terms presented. I have evidence that I sent a second notice to Goldman Sachs on XX/XX/2023 seeking clarification, resolution and an opportunity to cure this matter. On XX/XX/2023 I sent a notice of dishonor and estoppel which I have all three letters and return receipts proving that Goldman Sachs received my correspondence. Unfortunately, I have not received any response from Goldman Sachs, leading me to believe that they have accepted the terms outlined in my letter.
Despite this tacit agreement, I am now facing adverse actions from Goldman Sachs, particularly in their attempt to negatively impact my credit score. I find this action to be unjust and in violation of the understanding I had assumed through the acceptance of their payment.
At your request I will provide copies of the relevant documents, including my letters to Goldman Sachs and any correspondence I have received from them. I kindly request that you investigate this matter thoroughly and take appropriate action to remedy the situation.
I trust that the Consumer Financial Protection Bureau will act diligently to ensure fair and just resolution in this case. Please keep me informed about the progress of your investigation and any steps taken to address my concerns.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 08/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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To Whom It May Concern, I have been dealing with identity theft for the past year and a half and it is a difficult and troublesome on-going issue that Im still trying to resolve. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. Apple card issued by Goldman Sachs Bank USA has blocked me from seeing my bank statement under my apple ID : XXXX I have reported many charges which were fraudulent to them, however, they have re-billed everything that were reported. I can not see anything on my end I have no access to see what is happening to my account. However, I was afraid of interest would accrued on the card I just kept paying until I was able to reach out. They never returned my emails or phone calls and I'm left in the dark on why my fraud claim isn't resolved. As explained when I have reached out to them about those charges, which I can't see since my account was closed without notice, that are fraudulent due to identity fraud.
They recently claimed they found not fraud on my account which is inconsistent to what I have originally reported to them. My phone was lost with my wallet, my virtual card is on that phone. How can you not find fraudulent activities on my card when that happened??
Moreover, I don't have access to this email address XXXX anymore because it was hacked into when I lost my phone.
Again I received no communications from XXXX to its day. No reasons given as to why they closed my account either.
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| 11/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/20, I was charged {$130.00} on my Goldman Sachs Apple Card with the description " Apple XXXX XXXX. '' I did not have any receipt for this charge, and I did not purchase anything from the XXXX XXXX, however I was in the store on that day to pick up an online order and turn in a trade-in for an Apple Watch. I contacted Apple Support on XX/XX/20 to ask what the charge was for. They did not know and directed me to the XXXX XXXX on XXXX XXXX or Goldman Sachs. On XX/XX/20, I spoke with the XXXX XXXX on XXXX XXXX ( XXXX XXXX XXXX, CA ). The manager, XXXX, said she did not know what the charge was for, but she did not see that I purchased anything. She recommended I contact Goldman Sachs. I called Goldman Sachs. They did not have any additional information, but they helped me file a dispute for the charge. On XX/XX/20, I received an email from Goldman Sachs stating my dispute was resolved in favor of the merchant, but " You have the right to see the information used in this investigation. To request a copy, please contact an Apple Card Specialist at Goldman Sachs Bank USA. '' I called Goldman Sachs on XX/XX/20 to request this information, but they did not have anything to give me. In fact, they didn't seem to be aware of the dispute. The person helping me named XXXX stated that I can file another dispute, but if I didn't have any additional evidence to provide, the claim would likely be resolved the same way. I asked her what I could possibly provide as evidence that I *did not* make a purchase, and she said she didn't know. So Goldman Sachs is not resolving the dispute in my favor, they are not providing documentation used to reach their conclusion, and they are not offering any other options for me to resolve the issue.
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| 06/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I am writing to file a complaint against Goldman Sachs for unjustly denying my recent claim for fraudulent charges on my credit card account ending in XXXX. Despite providing substantial evidence of the fraudulent transactions to both the bank and the XXXX Police Department, Goldman Sachs denied my claim, citing that the card was used with the chip and/or PIN entered, and thus implying that I was responsible for the charges.
The fraudulent transactions occurred on XX/XX/2023, and I reported them to the XXXX Police Department as part of a financial fraud investigation ( Case No : XXXX ). The total amount of the unauthorized charges on this account is {$1700.00}. A detailed list of these transactions has already been submitted to the XXXX Police Department for investigation.
According to the Fair Credit Billing Act ( FCBA ), I am protected from liability for unauthorized charges on my credit card account. The FCBA limits my liability to {$50.00} for unauthorized charges, and many credit card issuers, including Goldman Sachs, have a zero-liability policy for fraudulent charges. Despite this legal protection, Goldman Sachs denied my claim and decided to remove the temporary credits applied to my account.
I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the unjust denial of my claim by Goldman Sachs. I believe that the bank 's decision to hold me responsible for the fraudulent charges, despite the evidence provided, is in violation of the FCBA and the zero-liability policy.
Please find the attached documents for your reference. I am willing to provide any additional information or evidence required to support my complaint.
Thank you for your attention to this matter.
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| 08/20/2019 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Unable to open an account
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Web |
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i allege on XX/XX/2019 Marcus by Goldman claimed to open a {$10000.00} savings account for me confirming with an email of the same date. However, for reasons within Marcus 's enrollment system my funds went missing for more than 16 days before after constant contact and follow up communication Marcus did nothing to assist me with the location and opening of my account for over 16 days.
I am filling this complaint as a matter of right, because I feel they ( Marcus ) disregarded my rights as a on-line depositor and they breached their fiduciary duty to inform me of the status of my {$10000.00} deposit which was lost or un locate-able for over 16 days despite my insistent contact with them to determine the whereabouts of my funds they claimed by email that they had received and opened my account.
They refused to extend any customer service to me in my request for a reasonable accommodation since they both lost my deposit and subsequently failed to perform their fiduciary duty to alert me of the status of my funds and further failed to assist with the location of those lost funds for over 16 days despite my consistent contact requesting assistance in their location.
I had to expend an exorbitant amount of time and phone calls and wait time, and drafting letters which took me away from other pressing matters. They never attempted to compensate of provide me with a courtesy with my account nor compensate me for my time and efforts to locate and recover my {$10000.00} deposit.
Be on the look out for my fax in the next couple of days of three letters, two invoices and most of all my reasons for filing a detailed 7 page complaint.
Please assign me a case number in order that I may follow up with the status of my complaint.
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| 01/21/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX XXXX XXXX from XXXX ( direct from XXXX ). I paid using my Apple Card and put the phone on an interest-free installment. The toal amount I paid was {$87.00} for taxes and fees plus the first installment. I agreed to be billed {$22.00} for 24-months for the remaining cost of the phone. XXXX shipped me a phone and that phone was lost in transit and never received. XXXX opened an investigation and never found the phone, they think it was lost in XXXX. I contacted XXXX and they offered to send a replacement and they did. I received the replacement on XX/XX/XXXX and it actually arrived broken. There were purple lines on the screen and I returned it on XX/XX/XXXX to XXXX. They confirmed it was received and refused to issue me another replacement phone because of the holiday rush. So, I cancelled the order and requested a refund. After a full month, XXXX management finally calls me and issues a full refund. The problem is that they issued a full refund for {$1000.00}, not the {$87.00} that I paid and did NOT close my installment plan as they promised they would. I contacted XXXX again in XX/XX/XXXX and asked them to fix the issue and to close my installment plan, as I only paid {$87.00}. The {$1000.00} that they refunded I did receive, but it applied toward the balance I already had on my Apple Card, not my installment. The installment is still active and the manager I spoke to at XXXX Senior Management, named XXXX, said that XXXX could not close my installment and they did not care about fixing the issue on my credit card. XXXX told me that XXXX couldn't do anything further and hung up on me. She wouldn't tell me anything else except that she was " XXXX, a manager with XXXX. ''
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| 08/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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XX/XX/XXXX, after completing the rennovations and rehab on a property, my husband turned on the hot water heaters and we smelled gas. I called XXXX, XX/XX/XXXX, and they came out XX/XX/XXXX to check the areas. There were three areas where the gas detector went off. I informed him that this was a duplex, two units, with a gas dryer and hot water heater upstairs, and furnace and hot water heater downstairs. He quickly showed me financial options. I mentioned that the prices were high. He said if I didnt allow them to do the job, they will have to shut off the gas and my tenants will not have gas. He said I needed a whole house piping with hot water heaters. The cost was going to be XXXX. I wasnt approved through Greensky, but they had me sign documents saying the job complete because they want to get paid upfront. XXXX the gas company came out XX/XX/XXXX and said the job was not done completely, and the pipes are not connected to the meter. There was still a gas leak from the dryer which they never checked. I got an invoice for XXXX, but they charged my Greensky XXXX, which is different than the actual work and the work they stated on the permit which is only for small re-piping. They now have 4 appliances running from one meter, which is against regulations and actually is a risk of combustion. Also, I told another technician I didnt want the job done, to allow me to shop around for another quote. He said " well you wont have a dryer for your tenants ''. I said I wanted to shop around. He did something and charged himself XXXX dollars for a job I did not want completed. This account and contract was made under violations against regulations of gas appliances and connection, fraud, adhesion of contract, and price gouging.
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| 08/26/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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Money theft that happened now does demonstrate that it was planed and initiated by at first restricting my access to my money since XX/XX/XXXX and now did happen factually. The email from Goldman Sachs arrived today 's morning with confirmation of my account closure and nothing about my money ( attached ), while I never regain access to my money back. Since XXXX, I called Marcus to find out why I can not access my account and what happened to my transfers from XXXX after I have seen them pending? Marcus representatives all like one were claiming that they are unable to remove the Marcus restrictions off and all like one promised that supervisor is not available at that moment and will call me back. I never got a call from any supervisor. Bank claims for false restrictions continued to hold my money to Marcus, while I wanted to move my money to a different bank and now finalized by Marcus Goldman Sachs by total theft. Now it is clear that criminal attempts to steal the money was a goal of Marcus Goldman Sachs. Marcus Goldman Sachs account was procedurally connected by direct deposit with XXXX account that is checking account with XXXX XXXX. That account was successfully confirmed between Goldman Sachs and XXXX checking with XXXX XXXX. ( Two attachments with two deposits from Goldman Sachs are included. ) Goldman Sachs are boldly lied that it was not confirmed while it was confirmed on XX/XX/XXXX. Numerous checks were deposited to Marcus Goldman Sachs through the mail as they claimed that they do not accept electronic deposits, but checks by mail only. Just right now I understand that I became a victim under Title 42 U.S. Section XXXX Civil Action for Deprivation of Rights and additional crime for egregious money theft.
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| 10/28/2021 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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Marcus has locked my savings account and won't disclose anything for 1-2 days.
I opened a new account at XXXX XXXX on XX/XX/2021 and initiated ACH transfer from XXXX app to transfer over all my funds ( about {$6400.00} ) from my Marcus savings account. On XX/XX/2021, XXXX informed me that they had to cancel the transfer because Marcus refused, and asked me to try initiating the transfer from Marcus app.
So on XX/XX/2021, I initiated ACH transfer from Marcus app. Marcus gave me a call at XXXX XXXX ET, but I missed the call and later in the night found out that they just locked my account and funds. It says " temporarily locked ''. I called their customer care as soon as I could today on XX/XX/2021 at XXXX XXXX ET, and they said that they just had to verify that the XXXX account is owned by me before they could do anything, and to that end they had to put XXXX XXXX on conference call along with me, but that XXXX XXXX 's customer care wasn't open at the time. So they asked me to call back after a few hours when XXXX was open, to proceed with the bank account verification process.
I called back at XXXX XXXX ET, went through the phone verification to prove that I was the Marcus account owner. They then put me on hold for a few minutes to go ahead and verify XXXX 's account, came back and bluntly told me that they'll get back to me in 1-2 days. When asked why would unlocking my account take 1-2 days, they refused to give any information and said that they can not disclose anything to me at this time.
So how is a financial institution allowed to do this? They're locking up my funds and are saying that they can't disclose anything despite me having proven that I was the owner right at the beginning of the call.
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| 04/02/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
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Web |
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I'm filing for a complaint against Marcus by Goldman Sachs for : 1. Deceptive practice : Set higher rate 1.85 % APY CDs to auto-renew on XX/XX/2021 at a much lower rate of 0.55 % APY by default without customers ' clear understanding and explicit consent, and without adequately communicating to customers what to expect after auto-renewal ( e.g. the new APY, early withdrawal fees ), especially during the pandemic when we need the liquidity 2. Unreasonably high fees : Even though starting from the renewal day XX/XX/2021 we only earned ~ {$50.00} interests on the renewed CD, Marcus wants us to pay ~ {$600.00} to break this CD, which we didn't intend to or explicitly consent to have it renewed in the first place since we need liquidity 3. Not treating customers equally and fairly : On XX/XX/2021 when I called Marcus to get it corrected and resolved since I did not receive any communications and was not aware of the auto-renewal ( I normally receive communications on statements, rates, etc. ), Marcus claims they sent my husband communications. Upon checking, my husband received just 1 email on XX/XX/2021 regarding the renewal, which contains no information on APY, nor information regarding early withdrawal so it didn't draw his attention at the time. However, as the equal joint owner I received no communications whatsoever on such an important topic, if I had received the same email ( even though it contains inadequate information ) I would have taken actions to stop the auto-renewal since I manage our households financials. Marcus claims my husband is the " primary owner '', but legally I have joint ownership and should have the right to be treated equally and fairly, e.g. be notified of important account changes.
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| 05/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Ive had disputes with my current landlord, XXXX XXXX XXXX, XXXX XXXX XXXX owned company. The employees verbally assaulted me on multiple occasions and forge documents. The employees are also slandering and defaming my reputation. I have witnessed many acts of fraudulent activities and have informed the FBI, FTC, XXXX and other government agencies. The merchant name appears as XXXX XXXX XXXX on my Apple Card. Ive informed the customer service representatives but I dont think they understand or know how to resolve the issue. Ive also informed HUD of the discrimination and verbal assaults/stalking. Ive also filed multiple police reports. The disputes with this landlord is related to another complaint regarding the disputes with my XXXX XXXX XXXX.
Ive also had some disputes involving my XXXX trips. For whatever reason, my room keeps getting broken into when I leave and my articles of clothing go missing. Furthermore, the employees at the reception desk appear to be running some sort of scam/fraud. The keys to my room appear to mysteriously stop working and the hotels refuse to provide me with a digital card. Ive called the different hotel customer service lines but often times, they are not able to help. Ive also had issues with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive filed complaints regarding the XXXX XXXXXXXX and XXXX with the airlines, XXXX and flyers rights agencies.
Lastly, I had some disputes involving a previous doctor that I was seeing that performed XXXX XXXX and also XXXX me. I dont think she even has a medical license in this state as my insurance company and state XXXX insurance had problems with her paperwork. I have filed a complaint with the Arizona XXXX XXXX.
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| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX XXXX SSN : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX.
Reason Late payments, Apple Card To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) XXXX demanding that this account be updated to Paid as Agreed and Never Late.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these mentioned derogatory items be investigated and permanently removed from my report.
XXXX I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Sincerely, XXXX XXXX
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| 05/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
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Web |
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On XX/XX/2022, I became aware of a fraudulent transaction that happened on my account on XX/XX/2022 ( the day before ), in the amount of {$450.00} by a company called XXXX XXXX, XXXX ( hereafter XXXX XXXX ). After learning of this, I immediately filed a dispute for the transaction. I contacted XXXX XXXX to see why there was a charge to my account, and he explained to me the situation that had been happening to him recently, as his attached letter details. His merchant account was hacked and his information changed so that he could not log in or access his account any longer. I contacted Goldman Sach's/Apple Card Support to file the dispute and see what I needed to do, and I walked through all the steps involved ( i.e. changing my password, removing and re-adding the card to my phone, etc. ). But several days later, more charges. After contacting them again, and again following their advice, the next day another charge happened. This time, after contacting them, they turned Apple Pay off, and that finally stopped the fraud. Below are the fraudulent charge dates, merchant name, and amounts. The first three have been resolved in my favor, but the last three, Apple/Goldman Sach 's is claiming that I made these charges. As the two attached letters document, I did not. XX/XX/2022 : XXXX XXXX ; {$450.00} ( RESOLVED ) XX/XX/2022 : XXXX XXXX ; {$450.00} ( RESOLVED ) XX/XX/2022 : XXXX ; {$300.00} ( RESOLVED ) XX/XX/2022 : XXXX XXXX ; {$4000.00}, case # : XXXX XX/XX/2022 : XXXX ; {$2000.00}, case # : XXXX XX/XX/2022 : Olutions ; {$5000.00}, case # : XXXX I filed this case once already but it was marked closed and I got a letter saying they suspected my filing was fraudulent? I don't know why. This is still unresolved.
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| 06/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
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On XX/XX/2023 I attempted to activate a monitoring subscription with XXXX Reveal for a security camera purchased by my husband, XXXX XXXX XXXX XXXX. The service did mot work. After contacting XXXX technical support who was unable to resolve the issue, I advised them that I wanted to cancel the same day for unsatisfactory and non performance of service. The XXXX XXXX sounded evasive so in addition to notifying XXXX, I also attempted to dispute the transaction for {$120.00} that was pending on my Goldman Sacs Apple Credit Card. This too occurred on XX/XX/XXXX. The Goldman Sac 's employee identified himself as XXXX and advised that since the transaction only showed pending, he would have to wait to see if an actual charge was billed. My card was charged and a provisional credit was issued on XX/XX/2023. On XX/XX/2023 the charge was put back on my card. I called Goldman XXXX that same day and disputed the charge again. A temporary credit was again issued only to be placed back on my card today. The camera was stolen and I have provided proof to Goldman Sacs that XXXX provided no services to me other than to scam senior citizens. Too, I believe that employees of Goldman may be involved in this scam because on their so called investigative report for this incidence, it clearly indicates that the subscription was activated and deactivated the same day. Our home alarm had been breached twice while we were away for XXXX treatment. We were attempting to get XXXX outdoor camera to identify the responsible party ( XXXX ) but the service did not work. XXXX promoted and advertised the service with the XXXX camera purchased from XXXX XXXX XXXX. Goldman Sacs placed this disputed charge back on my card today, XX/XX/2023.
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| 01/22/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
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This is a complaint following my previous complaint number XXXX file through this portal. The bank closed the complaint and I do not agree.
First I never bought 2 devices, it was only 1 XXXX XXXX XXXXXXXX XXXX second : the investigation provided was very vague and not reliable information third : they are still overcharging me $ {$14.00} and I never made huge payments during XXXX or XX/XX/XXXX : they are not separating the credit card payments from the installment payments.
why : If I made installments with the XXXX and started to pay the 1st installment as the bank says : here is my explanation of payments.
As the bank says I financed an XXXX XXXX XXXX XXXX on XX/XX/2021 On XX/XX/XXXX XXXX the taxes of the phone for {$100.00} If they keep saying that I never started to pay the installments until XX/XX/2021, I want to clarify this and I will stand my claim with the bank statements I have plus the XXXX statements.
Payments were made like this towards the installment for 2021 XXXX : XXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX : 2 payments were made towards th installment : one payment of {$54.00} plus one payment of {$500.00} = {$550.00} ( total to the phone ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That means I have paid the total amount of : {$54.00} x 7 = {$370.00} + $ XXXX {$930.00} If I financed the total of {$1200.00} and I have paid {$930.00}, that means that to be able to complete my entire payments to pay off the phone I need {$360.00} If the payment for XXXX installment is on XX/XX/XXXX. that means on today 's date I only owe # XXXX to pay off the phone, however on the installments says that I have a total remaining of {$380.00} which is still not true. and I want this to be fixed right away.
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| 06/14/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
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On XX/XX/XXXX, I initiated a {$27000.00} transfer, to my XXXX XXXX. But on XX/XX/XXXX, my Marcus account was inexplicably locked. After multiple verification attempts, including providing personal information and my Social Security Number, your representatives were unable to unlock my account or send the necessary verification code. I provided alternative phone numbers ( 4 phone numbers an ), but the issue persisted.
When I requested account closure and the return of my approximately {$180000.00}, I was assured it would be processed accordingly. However, I received an email on XX/XX/XXXX claiming unsuccessful contact attempts, which I dispute as I received no missed calls. Upon calling back, I was informed that my account required additional verification, causing further delays.
Despite assurances on XX/XX/XXXX and XX/XX/XXXX, the transfer failed, and my funds, approximately {$200000.00}, were not redirected to my XXXX XXXX XXXX account.
Despite subsequent calls on XX/XX/XXXX and XX/XX/XXXX, my account remained under review, and additional verification steps were imposed. Today, on XX/XX/XXXX, I was informed that the transfer needs to be redone, and I should call again tomorrow for the verification code. These ongoing issues and delays have eroded my trust in Marcus by Goldman Sachs.
I demand immediate closure of my Marcus account and the transfer of my remaining funds, approximately {$200000.00}, back to my XXXX XXXX XXXX account ( I initially transferred money from XXXX XXXX XXXX to Marcus bank ). I expect this process to be completed promptly and without further complications. I also request a detailed explanation for the numerous errors, inconsistencies, and delays that have transpired.
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| 05/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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During the early morning of XX/XX/XXXX I was robbed, my phone stolen from, locked out of my apple account and left helpless by Apple as someone racked up thousands of dollars on my apple card via tap to pay at Apple stores.
I initially submitted a claim to dispute these charges back in XXXX of XXXX, and my claims were denied in XXXX. In XXXX I then reasserted the disputes, and this time submitted the police report I filed the day of my robbery.
On Thursday XX/XX/XXXX, XXXX large charges placed ( charges made on XX/XX/XXXX ) using my phone at an apple store were correctly reversed, but on Tuesday XX/XX/XXXX a charge for XXXX was deemed not fraudulent, with the investigation concluding that no billing error occurred. All XXXX of these charges were made at XXXX stores in a short period of time after I was robbed on the morning of XX/XX/XXXX.
The charge ( XXXX ) I reasserted this week is another fraudulent charge in a string of fraudulent charges on my apple card that have been correctly reversed.
On XX/XX/XXXX, XXXX concluded that my XXXX was stolen and honored the theft protection on my XXXX that was used to make these fraudulent purchases ( Claim # XXXX ). I could not have charged XXXX ( XXXX ) to my apple card via an XXXX I no longer had possession over.
I ask you to please review this charge ( XXXX ) again as I did not make it and would like it reversed, attached below are pieces of information I am submitting as evidence I did not make this purchase.
XXXX ruled again on XX/XX/XXXX this charge for XXXX was not fraudulent. It occurred at the apple store in XXXX New York on XXXX XXXX. I have reasserted the charge as of XX/XX/XXXX. The new dispute case number for this XXXX charge is : XXXX
|
| 09/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
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Back in XX/XX/2022, there was fraud done in my account. That was fixed. I called in XXXX, to make a payment on the whole account. They told me I had cash back of {$760.00}. I told them I did not want the cash back due to being from the fraud that was done. I did not want it to came back afterwards towards me. They told me the cleared the cash back. ( I dont have access to this account portal since XX/XX/2022 ) End of XXXX I received a statement that I owe {$1300.00}. Keep in mind my balance should be around {$800.00}. They told me that was from cash back that was added toward my account they dont know why. They have done 2 disputes. They tell me they will contact with me I have not heard from this was since XXXX. My last statement says {$320.00}. They transfer to different departments. No one is able to tell me about my account or help. They only make a claim dispute but does not go under my favor. Last call they transfer me to Apple Cash they can see it was transferred to Apple Cash ( but I dont have access to that Apple ID Due to being change from the fraud. They know the email they have in file is not mine and they say they send documents to that email. They are violating my privacy. After multiple time telling them I dont have access to the email. I need help. This is un fair. If it was a transaction I did I would understand. They tell me I have two late payment which I have called every month to get it fix they said my account is under investigation, to not worry about the payment. Now, they say I have 2 late payments. This is messing my credit score before all this it was perfect now it have drop to much. Please help me or guide me to what to do. I will attach the statement they have sent me.
|
| 02/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
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Hello, on or around XX/XX/20, I applied and was approved for an Apple credit card with a credit limit of {$8000.00}. I activated the physical card on or around XX/XX/20. I used the card XX/XX/20 & XX/XX/20. On XX/XX/20 I went to use my card and was declined to my surprise. I had a total balance owing of {$33.00} and a credit limit of {$8000.00}. On XX/XX/20 I opened up support chat ( via text from my XXXX ) with Apple/Goldman Sachs support. I explained my credit card/wallet on my XXXX showed my account as being under review. I was not given any explanation except its being reviewed. I then called Goldman Sachs customer service and asked the same question why my account was being reviewed. I had just opened the the account. I was told they did not know and that they have a separate dept that handles the reviews. I asked to speak with that dept and was told I could not. Someone??? would be in contact with me and apologized for the inconvenience. My account now shows restricted. I called Goldman Sachs customer service on XX/XX/20. Was again told the same thing. I asked to speak with a supervisor. The supervisor said the same thing. Im confused as to how/why I was approved with an {$8000.00} limit. Ive not done or changed anything and my account is restricted. They are approving credit applications upfront and then running credit checks???? I have excellent credit, 0 % DTI, 6 figure income. Absolutely no reason for this. I do not want this suspension to affect my credit rating. If the credit issuer freezes your account, your credit report my indicate a CLS notation to the account-a code that stands for credit line suspended. I am not going to be happy if my credit is affected due to no fault of my own.
|
| 02/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On XX/XX/XXXX, my Apple Card ( run by Goldman Sachs ) was charged {$770.00}. I reported the transaction as fraudulent and put in a dispute on XX/XX/XXXX.
Apple Card had done " internal review '' and the case has been ruled against my favor. When calling and or chatting with Apple Card Specialist at Goldman Sachs ( only method of communication with the credit card ), they can not to tell me more about the fraudulent charge or provide any reason as to why it was ruled in the merchants favor. I have requested from merchant evidence, but have not received any. I have since disputed the charge 3 additional times after the initial dispute. So a total of 4 disputes. The additional dispute dates as follows : XX/XX/XXXX, XXXX XXXX ( Dispute case number : XXXX ).
Apple Card Supervisor claim all they can do is dispute the charge. Nothing more. On the last disputed submitted, the Apple Card Supervisor created a 3 way phone call between him/her-self, an Apple Store Manager, and myself, with the goal of attempting to look into what was charged on my account. Upon doing so, we were unable to locate any charges on my account despite my Apple Credit Card being charged {$770.00}. We submitted one final dispute ( 3rd one ) on XX/XX/XXXX. However, today on XX/XX/XXXX, the case was again ruled against my favor. When calling Apple Card Supervisor, they cant provide me with why additional information and claim I need to put in another dispute. I have been attempting to remove this fraudulent charge for almost close a year. Apple Card keeps declines my fraudulent charge dispute, is not providing me with any meaningful merchant evidence, and keeps passing the buck the next department and saying hope they will do job
|
| 07/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
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A payment was submitted on my Apple Card on XX/XX/23 for {$2000.00} from my XXXX XXXX XXXX XXXX account ending in XXXX. I have used this checking account exclusively throughout the life of my account with XXXX successful transactions. I contacted Apple Card support since the available credit did not update as it normally does. I was told this transaction will reflect on XX/XX/23 and that the payment was on hold. When requesting to speak with a manager I was told they can call me back in 10 days and that the decision would not change. On XX/XX/23 the ACH transaction for {$2000.00} was posted on my XXXX XXXX XXXX XXXX account for my Apple Card. As of XX/XX/23, the available credit has not been adjusted to reflect the credit. When calling Apple Card support on XX/XX/23, I was told by a manager that the Apple Card Customer Agreement allows for 10 days to process payments. However, this information is not found in the Apple Card Customer Agreement, which reads " Electronic Payments If you initiate a one-time payment using a Payment Source Account before XXXXXXXX XXXX ET, we will credit the payment as of that calendar day. Otherwise, we will credit your payment as of the next day. '' Thus, the payment should be applied to the account. Furthermore, it reads " Credit Availability After receiving a payment, we can immediately increase your available credit, or delay increasing the available credit on your Account for a period of time. You can check the status of your available credit by going to your Apple XXXX, accessing XXXX XXXX Apple Pay, online at card.apple.com, or by contacting us. '' Apple Card does not state 10 business days to process payments and to adjust credit limit for available spending.
|
| 09/13/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
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On XX/XX/22, I deposited XXXX into a Marcus by Goldman Sachs Savings account and XXXX into a Marcus CD account. Since depositing the money into the savings account I have not had access to my funds. I have continued to receive this message : the website is having technical issues or we can not process your request please try again. I called on XX/XX/22 regarding the issue and was told my account was in good standing and that IT will contact me. On XX/XX/22, I was contacted by IT and was told they had to contact my bank that was linked to verify that was my bank and these are my funds. Which I didnt understand because they didnt need a verification to accept my money. After, calling my bank via 3 way and verifying with my local bank that these are my funds and the bank that I bank with I was told I should be able to access my Marcus savings account. However, that still was not the case so I requested my account be closed and my money be transferred back to my linked bank account. I was told that the account would be closed on Thursday XX/XX/22. I called Sunday, XX/XX/22 to verify if the account had been closed and I was informed that it was not closed and would be closed today XX/XX/22. I called today to make sure the Marcus savings account was closed and sure enough it was not closed. I was told it was never closed on Thursday by the rep and she stated that it was a request to closed the account yesterday XX/XX/22. However, it was still open. I have not been able to access my money since I have placed it in the XXXX XXXX account on XX/XX/22. I am so frustrated about this entire situation that I requested that they closed the CD account today XX/XX/22. Can you please help me retrieve my money?
|
| 08/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
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XX/XX/2022 : My XXXX Card administered for XXXX XXXX by Goldman Sachs Bank ( " Marcus '' ) repeatedly on more then one occasion places erroneous interest charges upon my XXXX XXXX by Marcus despite the fact that I always pay the amount due prior to the due date to avoid any interest charge or late fees.
On XX/XX/2022 at XXXX XXXX XXXX : I spoke with customer service representative : " XXXX '' = phonetically " XXXX ''.
XXXX informed me that she could not understand either why I was charged {$17.00} in interest because my amount due was paid timely before the XXXX due date. XXXX informed me that she will request that the {$17.00} be removed from my XXXX Card in that no interest is due.
I asked XXXX to have a Manager phone me and she stated that she would.
No Manager ever phoned me.
Instead I received an email erroneously and inexplicably stating : that the interest charge " is correct '' with no explanation : because there is no valid explanation it is a specious and fraudulent interest charge by XXXX Card by Marcus.
I paid the amount due prior to the due date and XXXX Card by Marcus is fraudulently placing interest on my card as stated above.
On the prior statement to the above : XXXX Card after my speaking with a Manager told me to pay : {$970.00} because a charge was in dispute so this would be my " total due ''. I timely paid the {$970.00} on time as informed by a XXXX Card Manager by telephone : and then XXXX Card charged me {$6.00} interest despite their " Manager '' informing me this would be the " total '' due to avoid any late charge and/or interest charge. Despite the immediately preceding XXXX Card charged me {$6.00} for interest that is specious and an illicit charge.
|
| 11/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
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My account was transferred from XXXX XXXX XXXX to Goldman Sachs Marcus GM in XX/XX/2022. I had an outstanding balance and on XX/XX/2022 I paid off the balance of {$4800.00} by cashing in a life insurance policy. Goldman Sachs GM sent me an email stating I owed a one time payment of {$46.00} in interest on a cash advance. I asked when was the cash advance and they couldn't tell me. They stated the interest was " floating or transient '' charges. Previous to that they gave me a {$50.00} gift but added it to my regular payment of {$140.00} bringing it up to {$190.00} so they decided the way I was to use the credit. I requested my account and card be closed and it was not honored because I was then charged {$0.00} for a balance of the interest payment due. I paid the {$0.00} on XX/XX/2022 because after speaking with a GS manager we knew that any balance left on my " closed '' account would accrue interest. Now GS sends an email on my closed account " Your My GM Rewards Card statement for XX/XX/XXXX - XX/XX/2022 is now available. This statement includes an important notice to your account terms ''. I am being informed that GS owes me {$0.00} after I was informed to pay or else. I am now being harassed by this fraud bank and I called XXXX to inform them I paid them {$0.00}, cancelled my account and I want nothing to do with them. The customer service person stated she forward the issue up the chain of management that I am refusing to take back {$0.00} in a reversal of what I owed them. This is loop of deceit ran by Goldman Sachs GM where I pay the interest off of unknown charges, they create a scenario by forgiving an interest amount that will keep me owing interest on interest. Please help me.
.
|
| 02/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
I attempted to pay off my entire balance on my Goldman Sachs Apple Card on XX/XX/XXXX and called in to make a balance transfer of {$5700.00}. The payment was initially accepted on the phone, but a few days later the charge was denied.
I still had a balance due on the Apple Card, so I called to find out what the updated total amount due was. The rep told me my new balance was {$5800.00}, so I mailed in a physical check. That check went through on XX/XX/XXXX. I showed a {$0.00} balance.
On XX/XX/XXXX my account was charged interest of {$74.00} and a monthly installment plan of {$41.00}. I called to find out why I was being charged this when I had a {$0.00} balance. I could potentially understand the installment payment ( though I was told it was included in the balance I paid ). But I didn't understand how a {$41.00} charge would accrue {$74.00} worth of finances charges. The rep couldn't explain either.
Between XXXX and XX/XX/XXXX I called several times I was never given a clear answer as to why I had a balance. Finally in XXXX, they explained that the balance I was quoted did not include the installment plan and I would still need to pay that amount of {$160.00}. I initially disputed that amount because I felt I shouldn't be penalized for their mistake.
I eventually called back in to pay the {$160.00} and get rid of this headache. I was told I would have to pay the new balance of {$210.00} because there was delayed interest that wasn't applied when I paid the balance in full. Again I told them I got my pay off number from them and do not want to pay any additional fees. Due to their mistakes, poor communication and poor customer service, I am asking a third party to review this case.
|
| 11/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2022, I took my partner out to dinner at XXXX! restaurant. After we were seated we waited over 15 minutes for a waiter to come over to take our order. We were told by another waiter that the person in-charge of our section was busy but would be over soon. After waiting about 5 more minutes, we decided we would place an order on the website to take home instead. When we were placing the order, the time of pick up was estimated to be about 15 minutes. When we clicked place order and our order was confirmed by the restaurant, our pickup time changed to 1 hour and 20 minutes later. We decided to wave over the nearby waiter and explained the situation and asked for the order to be cancelled and my money refunded. I was assured that they would cancel my order and I would get a refund in 5-7 business days. I didn't feel assured by the waiter saying that so I contacted Apple Card by Goldman Sachs within 20 minutes of the transaction posting and was told I could file a dispute once the charge cleared but they would let me file a dispute that would go through once the charge cleared. My statement above was included in the dispute. I was informed on XX/XX/XXXX that my dispute was denied. I appealed that response with XXXX the XXXX, who allowed me to attach my XXXX statement and call logs to the restaurant to the dispute. I was told I would get another response in 90 days. In XX/XX/2022, I received a balance reversal and contacted Apple Card again and was informed that my dispute was denied again and they would not allow me to submit further disputes and there was nothing they could do. This is unacceptable since I essentially was stolen from when I paid for a service that I did not receive.
|
| 07/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
My Marcus saving account was locked on XX/XX/2023 when I tried to transfer money from Marcus to my XXXX account under my name. I have been using the Marcus saving for XXXX months and have made several transfers to Marcus saving. I have a total of XXXX in the saving account. It is not my responsibility to verify one of my financial institutions- when I link the XXXX account to Marcus or when I transfer money in Marcus, they should have verified my identity.
I tried to contact Marcus multiple times during the past one month but until today, I still didn't receive the identify verification letter which is the first step to unlock my account.
I made my first phone call to Marcus on XX/XX/2023. They refused to tell me why my account is locked.
On XX/XX/2023, I called Marcus, they refused to tell me why my account is locked. They said they would send the affidavit of identity ( the letter to verify my identity ) will be sent out in 5 business days.
On XX/XX/2023, I called again, they said the affidavit of identity is pending approval, which may take 1-3 business days.
On XX/XX/2023, I called one more time, after letting me wait for 56 minutes in total, they said the letter is waiting the approval of support team, which will take 5 more business days.
Today is XX/XX/2023, I still didn't receive the letter to prove my identity. Marcus said they still need 3 more business days to send me the identity verification letter.
This is just the very first step to unlock my account, which already takes XXXX month. I want to unlock my account ASAP, get my money back, and close the Marcus account permanently because of the experiences above. I've attached all my contact records with Marcus.
|
| 12/08/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
In XX/XX/XXXX I opened a new online CD with Marcus by Goldman Sacks and I made a transfer from my XXXX XXXX XXXX account of {$100000.00}. Everythign seemed to be going well until XX/XX/XXXX when I noticed two withdrawals from my XXXX XXXX XXXXXXXX account made by Marcus on the same day : {$1000.00} used to open a new saving account, and {$5000.00} used to open a new CD. Both of these transactions were not done or authorized by me. I reached out to XXXX XXXX XXXX and disputed the transactions and reached out to Marcus. At Marcus, I was answered by untrained unprofessional staff who kept transferring me around up to 7 times every call, which lasts anywhere between 1-3 hours at a time with no answers or resolutions to my issues. I called Marcus every day from XX/XX/XXXX to XXXX. Even at the few times that I was assured that they canceled those transactions and closed those accounts, I realized later that nothing has been done. Then it got worse, New accounts in banks that I do not have any relation with have appeared as " linked accounts '' in my Marcus accounts and the transfer of money started to happen from my accounts to those accounts unknown to me. these were XXXX XXXX, another was XXXX, {$1000.00} at a time. My access to Marcus was locked so I could not see what is happening until I call and after 2 hours I got a glimpse on my account and I see more accounts have been opened in my names and money have been transferred then the access was blocked immediately after the call. I do not know what to do at this time since I got no where to go with them on the phone and I was just told that they are only an online bank and they have no branch to go to to talk to someone. Help please
|
| 03/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I ran across an advertisement for XXXX XXXX XXXX XXXX claiming this LLC would help a person obtain their Vehicle Dealers License, the owner directed me to the companies website at XXXX based on the services the owner, XXXX XXXX he told me that I qualified for the Skinny Package for {$2400.00}, I told him I already had an office, and my own XXXX, so he I didn't need those particular services rendered to me by his company and he verbally agreed.
XXXX XXXX, advised me to purchase the " XXXX XXXX '' on line and stated that I would receive the following services, ( 1 ). Dealer App Review, ( 2 ). Occupational Expedite, ( 3 ). City Business License Expedite +Fee, ( 4 ). Bond Referral and ( 5 ). A XXXX XXXX. XXXX XXXX insisted that I pay with Apple Pay, but I I told him that I only had an Apple Master Card, I paid the full price of {$2400.00} and 2 months had passed without XXXX XXXX rendering me any kind of service.
I immediately disputed the transaction with my Apple Card service provider, on three different occasions, ( 1 ). on XX/XX/XXXX, ( 2 ). XX/XX/XXXX and ( 3 ). XX/XX/XXXX. I have proven that no service has been rendered, by XXXX XXXX XXXX XXXX and XXXX XXXX couldn't provide Goldman Sachs with a Lease containing my signature since I told him in advance that I already had an Office Space. Goldman Sachs aka Apple Master Card has yet to clear this dispute or render a decision in my favor.
I went to the XXXX XXXX Police Department to file charges, and met a Woman there for the same reason, only difference is that XXXX XXXX XXXX XXXX charged another consumer {$11000.00} for the same service they claimed to have offered me and they told us that both cases were civil.
|
| 04/08/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
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I have two installment payments with my Apple Card ( an XXXX and an XXXX ) and want to pay off my XXXX installment. First, while I tried to pay off the XXXX, it stated that I have to completely pay off the balance on my Apple credit card to be able to do so, which I did.
Then, I went directly to the XXXX installment to pay the XXXX early, however, it shows the whole amount for both the XXXX and the XXXX. Since I don't have the money to pay off the XXXX and only wants to pay off the XXXX, I contacted an apple expert through the message app that they recommended. After speaking with 3 different people, they lied to me and said I have to drive back to the store where I purchased the item to pay it off there. After driving to the store, the store employees told me I have to contact Apple by phone to pay it off there. After contacting them by phone again, the person at the line walked me through several steps to pay off even though I voiced my concerns that I want the payment to be allocated to the XXXX XXXX and he assured me that he has done it before and should have no problem to pay it off.
However when I made to payment for the XXXX, the payment instead went to the XXXX. When I asked to fix it, he told me only after that I am only able to pay the first installment and can not pay off the XXXX. when I asked for a manager, they lied to me and sent me through 3 different people and none of them were manager.
All I needed to do was just to pay off my XXXX. At this point I was beyond frustrated and angry and ask to return the XXXX and they still continue to lie to me again and again. No one should have to go through what I went through with Apple inc just to pay off a merchandise.
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| 06/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Personal information incorrect
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Web |
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I am writing to you to express my frustration and concern about an ongoing matter with Goldman Sachs. Since XX/XX/2022 I have been trying to have them replace my ITIN number with my Social Security number on my account. Despite multiple attempts on my part to resolve this matter, my request remains unattended.
The first time I called Goldman Sachs to request the change, they assured me that the change would be reflected in 10 days. Two months passed and no change was made. I then called back and was connected with a supervisor who escalated the situation and promised that the change would be made in 10 days.
Since then, I have called two more times and have spoken with supervisors, each of whom assured me that the situation was being escalated and that I would be contacted in 10 days. However, despite these repeated promises, no change has been made and I have received no communication.
These ongoing delays and the lack of resolution are not only frustrating, but are also negatively affecting my credit score. Each time I speak with a new supervisor, there seems to be a new reason why the change has not yet been made - that the previous supervisor made a mistake, that a ticket was not created, that my contact information was not entered correctly.
As a customer, I am not getting the attention to this matter. I feel that Goldman Sachs is not acting and prolonging the situation, each time telling me that I will have a response in 10 days and then doing nothing to resolve the problem.
Therefore, I am submitting this formal complaint in the hope that you can help me resolve this matter. I appreciate your attention to this issue and look forward to resolving it promptly.
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| 11/08/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I am a long-term customer of Marcus by Goldman Sachs . I have XXXX Savings Accounts, all of which were locked on XX/XX/2023. I did not receive any notification that the accounts were locked and only learned when I called to check the status of a bank wire. The representative said there was a note on my account that the bank cancelled the wire when they could not reach me by telephone days ago. I was later told by a supervisor that no call was ever made and there was in fact, no such note.
The bank then refused to use any of my personal information to verify my identity, including my social security number, date of birth, and secret word. They also refused to send a one-time password to my phone. They said that my cell number is now invalid and they must instead send me an " affidavit of identity '' to notarize and return. Even though the form is initially blank, they will only send it via first class mail. Meanwhile all of my funds will be frozen, leaving me without funds to pay my bills. They also said they can not tell me the reason for the hold without the affidavit.
I have read many accounts on this website and others that Marcus can take weeks to unlock the account, even after receiving the affidavit. I will be forced to liquidate an investment to generate enough cash to pay my bills, including the ones that come out of the Marcus accounts automatically.
It was completely unprofessional to not contact me and inform me about the locked status and to misinform me about the attempt to call me. It was also completely unprofessional to refuse to use any reasonable method to verify my identity and to delay the form by forcing it to go via snail mail in both directions.
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| 01/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/22, I paid off my Apple Card balance of {$1600.00}. However, for some reason the default bank account was a very old, closed, defunct account. I recognized this immediately and contacted the credit card issuer ( Apple Card/Goldman Sachs ) to cancel the payment. I was told the payment simply would not go through. The same XXXX the payment was declined as expected, so I paid the balance ( {$1600.00} plus some additional charges I had accrued ) of {$1700.00} using the correct bank account, the same day ( XX/XX/22 ).
This payment posted correctly and my balance was paid off. However, a XXXX XXXX later on XX/XX/22, I was given a " XXXX XXXX '' on my Apple Card for {$1600.00}. I have chatted with more than XXXX specialists with Goldman Sachs/Apple Card at this point, and they generally told me it is an error and they would file a dispute. However, the dispute has either been rejected or not resolved for the past few weeks. I got a call from a XXXX today who stated that for some reason, they refunded the declined {$1600.00} to the defunct/closed bank account, and they issued the XXXX XXXX because I somehow owe this money despite never having touched that money ( which is impossible since the bank account was closed ). I have checked my active bank accounts and haven't found any evidence of this " refund. '' The XXXX told me that I would have to call this bank ( which I no longer have any active accounts or relationship with ) and ask them to somehow provide proof that a nonexistent bank account is indeed nonexistent. Unfortunately, I can not get through their automated systems and when I log in to the bank 's site, it shows that I have no active accounts with this bank.
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| 10/24/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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Funds from sale of our home were deposited into Marcus-Goldman Sachs ( hereby Marcus ) savings account in XXXX. It was indicated to Marcus that this will be used in the future to purchase a home in XXXX - hence the account is labeled as " XXXX Marcus ''.
A first attempt to transfer funds ( {$120000.00} ) to a 'personal account ' at XXXX XXXX XXXX , listed in my name, was made XX/XX/XXXX. This was reversed by Marcus on XX/XX/XXXX.
A 2 hour phone call was made ( long distance from XXXX ) on XX/XX/XXXX. I was told, after having given all the security information, as well as participate on a conference call to XXXX XXXX XXXX XXXX, that it would be 1-3 business days for these funds to be transferred. To date, XX/XX/XXXX, no funds have been transferred.
Note, I asked why it would take this time since I had already linked the accounts. The last representative I spoke with indicated it was because I had asked to have the account closed after the transfer was made.
My 2 hour phone call consisted of dropped calls, being transferred to at least 6 different employees, whereby I was made to repeat myself. I am now having to make plans to fly back to the states to make sure these funds are transferred. I have paid earnest money on a home in XXXX, that I will lose, if I can not come up with the remaining amount within the agreed upon timeframe.
One last note, I am currently using a cell phone that works in XXXX. In wanting to keep my account updated, I had attempted to add an alternate number, but their software does not allow for a overseas/XXXX phone number.
I have statement photos of transactions, etc. as well as audio, of information noted above.
With Respect, XXXX XXXX
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| 06/15/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
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Web |
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I have been struggling to close my account with goldmansachs XXXX account. I have been lied to transfered to departments that state they have not received documents and informed to resend documents even though the document department confirms receiving them. I have multiple tracking numbers confirming they have documents and they are properly filled out. I have been told I will get call backs and have a tracking number sent to me. I'm XXXX and my wife died last year I my home. This is not helping me to heal. I have been lied to and told that they can not send a XXXX and I can print XXXX from online. I did so and was told it was the wrong document. Upon calling back another representative said they can send me a XXXX as they have sent me a XXXX when I first called them. This has been a disgusting back and forth of deception and refusal to close the account. Reps have been rude with no empathy and placing me on hold just to be told something that does not help to close the account. I have spoke to managers or people claiming to be. This is an online only account and the fact that they refuse to properly close the account is aggravating. It has been almost a year since my wife 's passing and still no resolution. This company does not deserve to have an online only banking if this is how the treat customers. I was also told they would expedite send me a check. When I call back they change verification methods to further frustrate me. I have never been treated so horrible in my life. I believe this is mentally and emotionally unacceptable. I'm am still waiting for a resolution and a call from goldmansachs even after calling constantly or giving them a week between interactions.
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| 07/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
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Web |
Servicemember |
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I am XXXX XXXX XXXX, within a provisional state. My spouse has the account, I'm an additional user however they are not willing to give us the XXXX benefits. They're only offering the MLA, I do not want the Military Lending Act. Since I am eligible for SCRA. With my tax state being Ohio, I am a provisional state which I qualify for. Attached is my LES that show Ohio as my tax state, and my XXXX XXXX orders that show XXXX XXXX is my spouse. XXXX Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to servicemembers dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals support for 180 days immediately preceding application for relief under the Act. ( including reserves ordered to XXXX XXXX ). Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. A creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).
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| 03/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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The tickets XXXX sold me did not work at XXXX XXXX. XXXX XXXX tried scanning them and they showed refunded prior to the day I purchased/tried to use them. I had XXXX XXXX management check to make sure this was correct and they researched the tickets thru their system and it indeed showed they were refunded prior. Meaning XXXX sold me tickets that were invalid the day they were bought. I had to rebuy tickets thru XXXX XXXX directly and suffered wasted time of over 1 hour plus extra costs incurred by their higher pricing compared to XXXX prices. The XXXX XXXX XXXX told me they may have been refunded prior as they were over a year and a half old as XXXX company purchased them on XX/XX/2021. He said after a year tickets can become inactive.
I contact XXXX multiple times to resolve the issue and even sent XXXX ( XXXX from XXXX ) an email detailing the events with photos of the managers screen from XXXX XXXX showing the tickets as inactive ( not working ). I called numerous times and each time the manager does not return my calls. I filed a chargeback thru Goldman Sachs ( Apple Card ) but it was awarded in XXXX favor. I have proof of tickets being inactive and proof of my repurchase of tickets direct from sea world the same day for my family to actually be able to enter the park.
I haves filed another chargeback thru Goldman Sachs and have again tried to contact XXXX but they do not answer. I have been duped out of {$310.00} by this XXXX company selling fraudulent tickets. Attached is the photo of the managers screen showing tickets inactive and also attached are my 4 tickets bought directly from XXXX right after the manager told me my tickets from XXXX were worthless.
|
| 06/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
Older American, Servicemember |
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On-Line bank MARCUS, division of Goldman Sachs XXXX Deposited {$30000.00} to try a new online bank. Took 7 days for them to make my funds available. On XX/XX/2023 I wanted to close the account and return the funds to my original bank. Next day, XX/XX/2023 they locked me out of my account! Could not log in and got message " Your account is Locked ''. Called XXXX on XX/XX/XXXX - on hold 30 minutes. Rep told me they stopped the transfer and now have to reverse the reversal, whatever that means. I'm still locked out of my account and they have my {$30000.00}. No brick and mortar to go to for help. They are saying possibly 5 working working days to reverse, then another 5 working days to reverse again. What they are saying makes no sense.
1. When a bank transfers money it is ACH - once they hit the " send '' button it is out of their account and usually within 2 days funds are received by the receiving bank.
2. They are are in possession and liable for my money while it is in their bank. I can't wait for 2 weeks, the call the toll free number again and try to explain everything.
3. I'm out of $ XXXX unless you can intervene. Two weeks ago, the XXXX XXXX XXXX did a write up on XXXX and most people were having the same issue, accessing their funds. I need for the Consumer Finance Dept to contact them, as this is happening on a wide scale. It appears they are holding vast deposits with many customers and benefiting my drawing on interest while telling customers the funds are " in transit '' 4. Finally, if you go to their web site, it clearly states " One day transfer for funds under $ XXXX '' - this is misrepresentation and they need to be penalized for this falsehood.
|
| 08/01/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
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Web |
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I applied for the Apple Card twice with Goldman Sachs and received an adverse action letter dated XX/XX/XXXX and XX/XX/XXXX. I called Goldman Sachs today, XX/XX/XXXX, and spoke with XXXX, XXXX and XXXX. XXXX is the XXXX for Customer Relations. I asked all 3 representatives to let me know what laws and procedures were followed in order to come to the determination of my application and they all stated they didn't know exactly so they all stated that the decision was based off of what was in my " credit report. '' I then asked her to provide me with the subsection that was used so that I can study it for myself. I also asked for them to provide me with the law that says I have to abide by the credit score/information that they choose to use or that the transaction even needed to be reported. She did not have an answer so I told her that the CFPB states credit reporting is OPTIONAL. XXXX and XXXX, both supervisors, stated that they can not overturn any decisions. I then asked XXXX all of the same questions that I asked before. XXXX then said Goldman Sachs has the right to approve or deny any application and I can apply again form redetermination based off my credit. I told her that he can not deny me my right to credit then I directed him to 15 usc 1602f and 15 usc 1602p. I told them that I can't be discriminated against for exercising my rights and they already used my credit card twice with no benefit to me. XXXX, XXXX and XXXX were acting as an authorized reps for Goldman Sachs and they, along with Goldman Sachs are now held liable for discriminating against me. XXXX stated that she would escalate this further and I advised her that Im escalating this myself as well.
|
| 08/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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On XX/XX/2022 I received a call from my XXXX XXXX XXXX XXXX phone number claiming there was fraud on my account. I asked them to verify my identify, so she stated my name, social security number, and address. I felt safe to proceed talking to her because the information stated was correct. She verified my identify by sending a code to my phone which I repeated back to her. I did not know that this individual was a scammer and the code I repeated back to her gave her access to my XXXX XXXX account. She then had access to my apple XXXX. The scammer opened an Apple credit card with my identify that same day.
On XX/XX/2022 I called XXXX XXXX XXXX XXXX to verify the call and they did not verify it. I determined I had been scammed and began to process of shutting down my bank accounts and credit cards and opening new ones. I almost placed a freeze on all 3 credit bureaus, changed my primary email address, signed out of all my apple devices and created a new apple XXXX and changed all my passwords. My XXXX XXXX XXXX XXXX debit card was charged {$1000.00} which they are currently disputing and has credited me this amount as of XX/XX/XXXX.
I called Apple and reported the credit card fraudulently opened in my name of which they are investigating now. I believe the case number is : XXXX Apple Credit Card is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX which they asked me to send my complaints and reports to this branch to speed the process of shutting down the fraudulent credit card. They reported to me the individual had spent a {$1000.00} on the credit card and then they paid off that amount. The card currently had a {$5.00} balance on it when I talked to Apple.
|
| 04/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
This complaint relates to both the Apple Card and the XXXX XXXX card from XXXX. Specifically, it is too difficult to reconcile charges on the card issuer 's statement with what was actually purchased with the card.
The XXXX card lists purchases from XXXX as " XXXX '' and Apple similarly lists purchases from Apply as from " Apple.com '' Like many people, I make purchases from both Apple ( ongoing Apple Store content subscription items like the Washington Post or XXXX ) and XXXX ( virtually everything ). In order to reconcile the statements with my charges, I need to go into the XXXX or Apple web site and try to match each charge on the statement with something I ordered. And I can only do this by amount of each charge or an order number, since what I purchased is usually not even hinted at on the statement.
Sometimes this is impossible, because XXXX sometimes does not record a purchase in its order listing ( e.g. the annual XXXX fee ) and XXXX inexplicably omits items on the statement from the transaction listing in the Apple Card app. For example, on my last statement, a purchase of a charger from the XXXX store appeared on the statement, but not in the transactions listed on the Apple Card app.
Finally, while XXXX has a search feature on the " Orders '' page of its web site, when I use it the search feature tells me only that there are some matching entries to the order number, but won't tell me what they are. So either the web site has a problem or the search feature only works on certain unidentified browsers.
This whole process is simply too opaque and time-consuming to the consumer if one simply wants to make sure all the charges are valid. Thank you.
|
| 09/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
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I had a previous Apple Card with Goldman Sachs that was closed back in XXXX or XX/XX/2023. There was an open dispute on the card that was later found in my favor and closed out in XXXX. Goldman Sachs ( by their own admission ) failed to close the dispute properly, so despite my card being closed it is hung up in the Apple wallet and is preventing me from reapplying for another Apple Card. I have been working with Apple and Goldman Sachs since last XXXX XXXX to get this resolved. I have submitted XXXX escalated tickets on Goldman Sachs side to get the dispute dispositioned correctly and closed out in there system so that I can reapply for a new card. I continue to be given the run around. I am told tickets usually take 10 days, however, the last one was given XXXX and still didnt have any additional progress and resulted in another two tickets being submitted. I have talked to several additional Goodman Sachs representatives ( including supervisors ) who tell me there is no eta for a fix, the area that has to correct the problem is outside of customer service, they do not have a direct line to them and can not call anyone for an update or answer and the only method of correction is to submit yet another ticket so they know the issue hasnt been corrected.
There is XXXX reason that XXXX months have gone by and this is still unresolved because of an issue Goldman Sachs told me is a known issue because their disputes system sucks and cases dont always close properly. If this is the case, then a resolve should take less time than what is currently transpiring, the continued lack of assistance and prevention from applying for credit which I qualify for is unacceptable.
|
| 05/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX/GREENSKY 9 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$9700.00} Balance updated XXXX XXXX, XXXX Original balance {$8700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$9700.00} written off. {$9700.00} past due as of XXXX XXXX.
Status updated XX/XX/XXXX Past due amount {$9700.00} Original balance {$8700.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 84 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXXXXXX, GA XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
|
| 09/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
On XX/XX/XXXX I applied for the Apple Card with Goldman Sachs after improving my credit tremendously by reducing my debt, removing inquiries, and resolving any negative items on my report. I was denied due to excessive inquiries and " delinquent accounts '' which I know was incorrect but I recently had my inquiries removed and remedied all deficiencies on my report. Today, I reapplied was given neither a denial or approval, I received an email stating that I applied too many times and my information could not be verified. When I called the Apple Card phone number listed in the email to have my application reconsidered, I was told that the representative could not see my application from today in her system ( despite me having an email response from that application ) and only way to receive reconsideration was to apply again. I have applied again and received the same response. Pursuant to 15 USC 1691, it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction and I am asking that my application be reconsidered. As I stated previously ; I do not have high inquiries on my report, my credit utilization is XXXX XXXX, I have no collections or charge off accounts. There is one closed account that has a comment of XXXX days late and it is a student loan opened in XXXX and reported lateness in XXXX which was removed by the loan company but they did not remove the inaccurate comment of XXXX days late. If you were to review the payment grid for that account, it shows no incidents of lateness and is reporting inaccurately. I have no other late payments or derogatory accounts. I have perfect payment history.
|
| 12/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to express my frustration with Apple 's credit card and the lack of document investment coupons that are promised as part of the card 's benefits. I have made multiple inquiries to the company about this issue, but have yet to receive a satisfactory response.
According to 15 U.S. Code 1681b, consumer reports can only be obtained for certain permissible purposes, one of which is " investigating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. '' Providing document investment coupons as promised is clearly related to a consumer 's creditworthiness and financial standing, yet Apple has failed to fulfill this obligation. Furthermore, the conception of this account was opened without consent. I applied for a credit card with Apple Inc and was initially denied due to my credit history. However, weeks later I discovered that a credit card had been opened. They stated that we made a mistake in denying the application.
I also want to bring to your attention that I have previously mailed a letter to the company regarding this issue, but have yet to receive a response. I understand that this is a serious matter, and I expect a prompt and satisfactory resolution to this issue. If Apple Inc., does not take the necessary steps to address this issue, I reserve the right to take further legal action. I am concerned that Apple Inc is not taking my concerns seriously and believe that the Consumer Financial Protection Bureau should intervene. I appreciate your attention to this matter and hope that you can help resolve this issue.
|
| 02/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX a {$4000.00} check was mailed to Goldman Sachs XXXX. The financial institution confirmed it cleared on XX/XX/XXXX. On XX/XX/XXXX the payment was reversed which lead to my first phone call. For the next couple of months I called at least 1x a week because the funds were not applied to my account NOR sent back to me. I also added my account number on the check, proof attached. Multiple times I was told someone would get back to me that week and NEVER did. On XX/XX/XXXX I received an email that an error was had on their side and my check had been applied. I confirmed via phone that they would correct anything reported to the credit union as late during that time. They confirmed there were no late payments because they lost my check so I did not have my {$4000.00} nor was it applied. My credit report has not been updated to reflect their error. On XX/XX/XXXX they responded to another complaint saying, " The Bank removed the past due reporting for XX/XX/XXXX, and confirms the account is now reporting correctly with no negative marks, the account is closed, and the account has a {$0.00} balance. '' My credit report from this company still reflects 60 days late in XXXX. Their response was not accurate.
I filed another complaint and on XX/XX/XXXX they responded saying the late payment would be removed. It was then a couple of days later reversed back to late.
I also found out my account that is closed as of XXXX had charges that went through into XXXX that I did not approve ON A CLOSED ACCOUNT.
THIS IS THE WORST COMPANY I'VE EVER DEALT WITH. Every person you talk to it's something different, they mess up your account, and terrible customer service!
|
| 05/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
On XX/XX/XXXX I attempted to fund a CD from my Goldman Sacks ( GS ) savings account. The receiving bank ( XXXX ) initiated three transfers to the Goldman Sacks account that went through fine, connecting the 2 accounts. When I tried to transfer {$20000.00} from the GS account to the XXXX account I received an email from XXXX that it had gone through, but then another saying the GS had refused the transfer and therefore was now blocked for transfers to XXXX. When I called GS on or about XXXX they told me that I needed to verify the accounts I was transferring into. I spent ~ 1hr on the phone with GS in three way calls to XXXX to verify both of my XXXX accounts, a savings account and the CD I was attempting to fund. On XX/XX/XXXX I initiated another transfer from the GS savings account to the XXXX CD and from the GS savings account to my XXXX savings account. The money was immediately debited from the GS account but never showed up in the XXXX accounts. When I called XXXX on XX/XX/XXXX they told me that the transfers were being reviewed, with no time frame and no idea of when the transfers would take place. When I told them that I wanted to close the account and transfer all of the funds, they told me that it needed to be approved by someone but would give me no time frame for when it would be done. In the 6 days since the transfer was initiated they never contacted me. I believe they have stolen the interest on {$40000.00} from me and won't let me close the account. I believe this is illegal and should be punished. Please help me. I've spent about 6 hours of my life on the phone with them that I'll never get back. I don't want to have to deal with them again.
|
| 02/15/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
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I have a savings account with Marcus by Goldman Sachs that I forgot about and haven't logged into in several years. I just received a letter in the mail saying that I needed to claim ownership of my account or my funds would be sent to the state. On XX/XX/2022 I tried logging into my XXXX account and it was locked. When I called the first time I was placed on hold for close to an hour and told my account was on hold because of a transfer from an external account that didn't go through. I was told to call my external bank and ask why the transfer to the XXXX account didn't go through and call back and let them know why so they could lift the hold from my account. I did so and when I called back the second time I tried explaining everything to the " specialist '' and he had no idea what I was talking about. There were no notes on his computer about the call I had just made a half hour prior. He also said that a failed transfer wouldn't cause my account to be on hold and have me locked out. He couldn't even tell me why my account was on hold. He placed me on hold for another half hour just to come back and tell me that my account had already been submitted for review and there was nothing he could do. He could have told me that before putting me on hold and wasting my time. Over two hours of talking to these people and told two conflicting stories just for this to happen. I was told I would get a call back from another specialist in 48 hours. It's now XX/XX/2022 and still no call back. I just want to close my account. I want nothing more to do with this bank and their terrible so called specialists and just want to close the account so I can get my money back!
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| 12/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
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Web |
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On XX/XX/23 I extended my credit as the original creditor for the Goldman Sachs Apple Card.
I initiated the above consumer credit transaction with my SSN also referenced by congress as a credit card pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640 , 15 USC 1691e . Further more, pursuant 15 USC 1691 ( a ) Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything.
I have attached links to congressional law for reference. https XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/27/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
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Web |
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On XX/XX/2023, my account with Goldman Sachs Marcus Bank, which held over {$300000.00} in savings and Certificate of Deposit ( CD ) accounts, was unexpectedly frozen. The bank cited an inability to verify my phone number, which I had recently updated in my online banking account, as the reason for the freeze. They informed me that the only way to unlock my account was to complete an affidavit form, which they promised to send to my address for notarization and return.
Despite my repeated attempts to expedite the process due to the urgent need to transfer my funds to my XXXX XXXX investment accounts, I have yet to receive the affidavit form. This situation has caused significant disruption to my financial planning and goals, and I am concerned about the bank 's handling of my account and funds.
I had numerous attempts to contact them via their phone number provided in their email, the number always make me go through tedious call transfer processes for 30min-1 hour, and then transfer my call to their fraud department. The fraud department also repeat to claim that they sent the form and ask me to wait. There is no resolution and deadline.
As of today, XX/XX/2023 I have not received an affidavit form that Goldman Sachs Marcus Bank claimed they sent on XX/XX/2023.
I requested the proof of sending the affidavit, they refused.
I requested any other method of proving my identify online or in person, they refused.
It allows them to technically lock my account and freeze my saving and CD indefinitely by simply not sending an affidavit form or not admitting an receipt of affidavit form, or any other technicality on affidavit form, which I can not verify.
|
| 10/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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|
This Company named XXXX : by Goldman Sachs contacted me by email saying that I owe them money. I told them I never heard of them before, to please show me the Alledged Contract that I signed with them, because I always sign in BLUE ink. I have sent numerous letters ( which I have POSTAL ARTICLE NUMBERS to verify that I sent them letters telling them to validate this Alledged Contract ) asking for this proof of contract with two wet ink signatures, and they can't provide this for me. I need your help getting this proof for me because they purposely have harmed me, cost me higher interest rates and have cost me in POSTAL MAIL RETURN RECEIPT CARDS for proof of mailings. A LAWSUIT WILL BE FILED IN 30 DAYS UNLESS RESOLVED.
Listed below is all the ARTICLE NUMBERS for letters sent. Please have them produce the documents sent that is attached to these numbers.
1. ) RF XXXX XXXX 2. ) RF XXXX XXXX 3. ) XXXX 4. ) XXXX 5. ) XXXX 6. ) XXXX They will only give me the ending numbers to the card but they are two different numbers. One is ending in XXXX and the other is XXXX.
They reported that I owe them a balance of {$2100.00}. I don't know how a company that I do not have a contract with can harm me and my family and get away with it. If this is not resolved ASAP I will contact the IRS ( audit ) and have them look into this bank also.
We all want full disclosure and equal protection under the law. We refuse for the banks to steal our property!
( FRAUD IN THE FACTUM, BREACH OF CONTRACT, and THAT THE ALLEGED LENDER IS NOT THE HOLDER IN DUE COURSE OF THE BORROWERS PROMISSORY NOTE ) PLEASE CFPB HELP MY FAMILY and I GET JUSTICE. If you can't do it the COURT can.
|
| 11/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
|
|
I understand that ticket purchases often come with certain terms and conditions, and I acknowledge that tickets are generally non-refundable. However, my concern arises from the denial of my right to change my flight by paying a specified fee, as outlined in the terms and conditions associated with my original booking. I had attempted to change my flights with XXXX on XX/XX/28 but my right was denied.
As per the terms and conditions that I accepted with the bank transfer for my ticket, I am granted the right to change my flight by paying a fee of {$210.00}. This information was clearly communicated, and I relied on it when making my travel plans. Unfortunately, when I called to exercise this right and change my flight, my request was denied.
I would like to emphasize that I am not disputing the terms and conditions agreed upon during the booking process. Rather, my dispute stems from the denial of a right explicitly stated in those terms and conditions.
To provide more context, I attempted to change my flight due to unforeseen circumstances, and I was willing to comply with the stated fee for this service of {$210.00}. However, I was informed that my request for a change was not possible because my card did not work, while simultaneously being offered the option to purchase a new ticket for {$530.00} using the same credit card or payment method.
I kindly request that you review the details of my case and clarify why my right to change my flight was denied, even though the terms and conditions explicitly permit such changes for a specified fee. I believe there may be a misunderstanding, and I am hopeful that this matter can be resolved amicably.
|
| 05/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I am writing to formally lodge a complaint against Apple Card and its banking partner, Goldman Sachs, due to the inexplicable and repeated restrictions placed on my Apple Credit Card and Apple Savings Account. The restrictions have not only caused me undue stress and inconvenience but have also resulted in the unwarranted withholding of my own funds.
Starting from XX/XX/2023, my Apple Credit Card has been restricted three times, with each instance leaving me in an extremely difficult position. Subsequently, my Apple Savings Account was also restricted. Upon contacting the company, I was informed that my accounts were under review, a process they claimed would take a maximum of ten business days.
However, today marks the end of the third week since the initial restrictions were placed, and no resolutions have been offered or intimated to me. I have made numerous attempts to rectify this situation through Apple Card 's customer service and the corresponding department, yet these attempts have proven to be futile. My requests for a legitimate reason for the restrictions imposed have been consistently ignored or inadequately answered.
Despite my diligent efforts in escalating my case four times in conjunction with both Apple Card and Goldman Sachs ' team, the responses I received were generic and non-committal. This lack of concrete communication and action from their side has put me in an undesirable position where my own funds are effectively inaccessible to me.
Thank you in advance for your prompt attention to this matter. I trust that you will act decisively to uphold my rights as a consumer and help me regain control of my financial resources.
|
| 10/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
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Web |
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On XXXX XXXX, I made a payment to clear the balance on the account. Usually, when you make a payment the balance is updated immediately and available for use. This time it wasn't. So I waited and some hours and tried to use the card and it was declined numerous times. I contacted the company for help since I had never seen this happen before and they tell me that the payment is " on hold ''. They went on to explain that this process can take up to 10 BUSINESS days. So naturally, I asked why have I had this card for over a year and this is just now happening? The representative refused to answer the question or give any further detail but repeating the 10 business day statement. I am writing this complaint now on XXXX XXXX as I still can not use the card even though the payment has now completely cleared my bank and is no longer pending. Additionally, I had to dispute XXXX charges on this card back in XXXX and the disputes are STILL pending!? When I called to ask questions about this, all that anyone could keep telling me is that the process can take up to 90 days. 90 DAYS?! So in that time I have not had access to the full balance of the card and only about half of it for the past 90 days because they have still not resolved these disputes. Lastly, I have requested a credit line increase since I have had this card about XXXX times and have been declined every time with no explanation. My credit score has actually improved within the last year and still declined. It wasn't until that I did my research on these issues and complaints with this card until I noticed that this is a common trend and they have been in hot water for worse but released issues.
|
| 10/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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I have been battling with APPLE CARD/GOLDMAN SACHS BANK USA for over 6 months regarding billing issues amongst other things. I have sent them several mailings to which no response has been given, I have reached out via text messages and eventually they just decided to charge off the account instead of providing documentation I requested other than monthly statements. I have in numerous occassions brought to their attention this is credit line that is for personal and household use, I have requested proper accounting and for them to review the billing errors, no response and no action taken on their behalf. I have also disputed this account several times with the credit reporting agencies and it comes back as dispute " solved '' yet I have not been notified of said investigation process nor how they have " validated and verified '' said information to be true and accurate. My final mailing to APPLE CARD/GOLDMAN SACHS BANK was in XXXX and I still do not have any response. I am formally complaining to CFPB as it is my undertanding this is the correct way to start my process and get this issue resolved as it is causing me damages. I am providing a copy of what my consumer credit report shows as of today, a copy of my last mailing to APPLE CARD/GOLDMAN SACHS BANK , a copy of the AGREEMENT, and one last and final question : the IRS considers charge-offs to be income. However, the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ) ( 1 ) ( A ) of the FCRA specifically prohibits the reporting of income on consumer credit reports, with that in mind, APPLE CARD/GOLDMAN SACHS BANK has several violations without getting into detailed review of their actions.
|
| 10/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
I was notified that I my Apple Card from Goldman Sachs card that I had {$1900.00} balance. That news was a shock to me because I did not use that card. I have received the first notification about strange charge on Apple Card on XX/XX/XXXXXXXX ; I had a XXXX XXXX charge of {$5700.00}. I do not eat pizza. I contacted via text Apple Card, Goldman Sachs bank, and reported that the charge was a fraud. I requested to close that card or change the number on it, at least. I though the issue was resolved, when all of the sudden, I got in XXXX of XXXX a notice of having an Apple Card bill of {$1900.00}. I contacted Goldman Sachs again, reported the fraud via phone and text, looked into charges, and reported them as fraud in more detail via text. I had charges from XXXX XXXX, dated XX/XX/XXXX. I am an XXXX XXXX XXXX, I do not just pick up and travel on whim as any time I leave my duty station ( I am stationed at XXXX XXXX , VA, since XXXX XX/XX/XXXXXXXX and reported for duty on XXXX XX/XX/XXXXXXXX ), I must have an approved leave. I did not travel on XX/XX/XXXXXXXX On the same day of XX/XX/XXXXXXXX I had two charges for {$550.00} what looks like XXXX XXXX, daily cash charge of {$47.00}, a charge of {$720.00} for XXXX XXXX, and some fees accrued from those charges I reported the identify fraud on-line after talking to Goldman Sachs representatives several times, mailed the hard copy of the report. Still, Goldman Sachs reported me as I were delinquent on payments. I get calls from some debt collectors. It is unacceptable. I want Apple Gard card to be closed and debt to be removed from credit agencies. Goldman Sachs abused my trust and harmed my credit.
|
| 03/13/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Someone opened a Marcus by Goldman Sachs Credit Card for XXXX XXXX XXXX using my Middle name as my first name and all other stolen information.
On or about XX/XX/XXXX I began receiving emails about me getting my new credit card soon. I didn't pay much attention because I assumed it was some kind of advertisement and/or scam email?
I kept getting emails about approval of card and my credit limit. That's when I checked with XXXX XXXX to see if anything was on my credit reports. Sure enough, there it was.
I contacted the credit card company directly on or about XX/XX/XXXX? I explained to them the situation and they went ahead and restricted the card. About that time I even received a gift from the Jewelry Store, which I immediately returned.
I was told that they would investigate the situation and get back to me with 10 days ... which they never did.
After receiving a " billing statement '' in the mail from CC company I called them again and discovered that they did not do anything except put a freeze on the CC. This was on XX/XX/XXXX. I gave them all the info over again and they said they would resolve within 10 days. At this time they also informed me of other attempts to use my info for other CC, s.
Now I see that the balance due was reported to the credit bureaus and my scores have dropped XXXX points. Previous to this I did place a restriction on any credit inquiries for all 3 credit bureas shortly after my first discussion with CC company back in late XX/XX/XXXX. They told me to also contact you as well but I did not up until now after seeing what is happening with my credit scores?
Please help me with the situation..?
Thanks XXXX XXXX
|
| 09/24/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I am not even sure who to address this complaint about. The enticement and advertising to open a 12 month no interest account starts with Apple Credit Card and then it appears servicing is moved to Goldman Sachs.
The advertisement is not clear, concise nor consumer friendly. To obtain information after you have placed the order is close to impossible. I have been transferred between Apple Card over 33 times and have spent a title of 44 hours trying to get assistance.
Both entities claim to not understand how this program works. There are so many features that seem to be predatory, deceptive and just down-right slimy for the consumer.
1. Apple advertises an apple gift card with a purchase. They are not clear that they you not receiving a discount or a free gift card. They actually charge you for the gift card on the Apple Card. There is no benefit. At least 18 employees within Apple and some calls as long as 2 hours 33 minutes, no apple employee could explain how the gift card works. On the surface it is just appears to be deceptive advertising to sell a gift card and finance it on an apple credit card.
2. Neither Apple nor Goldman Sachs can provide a breakdown of the charges, why some are on installment or others are not. I have been told there is not itemization. There appears to be a very serious lack of training between Apple credit card and Goldman Sachs. I spoke with no less than 10 people who all told me a totally different policy or guidelines. A clear and concise consumer friendly policy should not require both parties to have to elevate to a supervisor.
3. The upfront disclosures of how to maneuver this minefield is non existent.
|
| 08/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
In XX/XX/XXXX I reported to the credit card company ( Apple Card c/o Goldman Sachs ) that my card had been compromised and that over 50 charges of {$100.00} and one of {$160.00} and {$320.00} had been assigned to my account. These charges appeared to come from XXXX as they were accompanied by XXXX characters.
Apple then credited the fraudulent charges ( as they should have ) and started and investigation.
Then for some reason, they credited the amounts again, which resulted in a credit balance of - {$2500.00} which was the result of the second crediting less the amount that I actually owed them of {$310.00}.
I sent them a letter dared XX/XX/XXXX ( copy attached - Applecard.pdf ) explaining that they had made a mistake. I never received a reply. I attached a marked up pdf of my XXXX statement ( also being forwarded to you - XXXX ) which outlined the problem.
In the last week, I received a series of emails informing me that the dispute had been settled and they were adding the charges to my account as they had been already credited.
This should have resulted in a total amount owed of the {$310.00} BUT after paying that amount I find that they are still charging me {$1000.00}.
I called them yesterday and was unable to either resolve the problem or even get them to investigate. I sent them another letter this morning and I am also forwarding that letter to you ( XXXX ).
It seems illogical to me that they would take off the fraudulent charges TWICE and then replace them and it would result in a total of charges that I did not charge to this card.
Please help. I do not wish to pay over {$1000.00} that I have not incurred. Thank you!
|
| 09/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American, Servicemember |
|
Unfair assessment of late fees & interest. We always be entire balance before due date. Received XX/XX/XXXX credit card statement on XX/XX/XXXX. The same day, XX/XX/XXXX, I mailed a check for entire balance from INSIDE my local post office. On XX/XX/XXXX, I get email from Credit Card company stating they don't have payment. This is the 1st time this has happened. I call. Rep says they don't have check and advises me to put a stop-payment on check. To avoid lateness, we do a 1-time electronic transfer. The next day, XX/XX/XXXX, I put a stop payment on wayward check. The bank makes a mistake. Instead of just stopping payment on that 1 check, the bank mistakenly puts a stop payment on all funds from my checking account to my credit card. The original electronic transfer of XX/XX/XXXX, which had been posted to my checking account, was now reversed ( unbeknownst to me ). It wasn't until XX/XX/XXXX that I get an email from credit card saying payment is late. There is a lot of in-between details, but the bottom line is a new electronic transfer of funds from my checking account to the credit card company was successful on XX/XX/XXXX. However, the credit card company insists I pay the interest charges even though they screwed up by mishandling my check and advising me to put a stop-payment on it. ( Later, I'd learn that the credit card company had, indeed, received the " wayward '' check on XX/XX/XXXX, and if they had posted it then they never would have notified me on XX/XX/XXXX that my payment was not received ; hence, everything after XX/XX/XXXX would not have occurrred, and there never would have been late fees/interest charges in the 1st place.
|
| 08/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
My credit card account was originally with XXXX ( XXXX XXXX ) XXXX XXXX. Then Goldman Sachs took them over.
I had a {$14.00} balance on the account. On XX/XX/2022, I attempted to pay off the balance. I made a phone payment and the agent said that they payment had been received. On XX/XX/XXXX, I got an email saying the the payment had NOT been received.
On XX/XX/XXXX, I attempted again to make the payment, with the same result : The agent told me that the payment had bee received but a few days later, on XX/XX/XXXX, I got an email saying the payment had NOT gone through.
Now I am being charged overdue fines because in Goldman 's eyes, I did not make the payment. I have spoken with their customer service department a couple of times and during one of theses conversations, the agent told me that they could not waive the late fees, and that somebody would call me about it. However, I live overseas, so getting through to me can be a bit of a challenge, so perhaps they DID try to reach me and couldn't get through ; I acknowledge that that is a possibility.
In my last conversation with an agent ( Wednesday, XX/XX/XXXX ), they told me that they would try to dispute the late fees ( which is kind of odd, since this is an intra-agency dispute ) and that it would take time, so much time that ANOTHER late payment fee would probably be added in the meantime. I asked how much of a payment I would need to make to avoid this and was given a figure of at least {$80.00} ( I don't remember the precise number ). I told the agent that I didn't think this was fair at all, and that I thought Goldman was engaging in predatory practices, and that I would NOT pay.
|
| 11/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I filed a dispute with Goldman Sachs for a {$960.00} transaction with XXXX XXXX XXXX, aka XXXX XXXX XXXX. The reasons for the dispute were that a ) the salesperson XXXX XXXX misinformed the consumer that the merchandise could be returned for a full refund without issue and b ) on XX/XX/2023, XXXX XXXX did not issue a refund for all of the items that were brought into the store to be returned. As such, a dispute was opened on the same date with Goldman Sachs. XXXX XXXX from XXXX XXXX XXXX, after filing the dispute and also on the same day, wrote a sincere apology via email ( attached ), admitting fault for and accepting responsibility for XXXX XXXX XXXX XXXX negligence on behalf of XXXX XXXX XXXX. As of XX/XX/2023, XXXX XXXX, the store manager at the XXXX XXXX XXXX XXXX XXXX location, confirmed via email ( attached ) their receipt of the return, as communicated to her by her team. On XX/XX/2023, I received email notification from Goldman Sachs that the merchant had responded. Via Apple Card chat and also on the same date, XXXX, an Apple Card Specialist with Goldman Sachs Bank USA, was unable to provide the merchant 's response, leaving the consumer without an opportunity to address the merchant evidence. In the past, there has been at least one Apple Card dispute in which Goldman Sachs wrongly sided with the merchant due to fact that they merely replied with their policy, which failed to address the original grounds of the dispute. When asking XXXX " Can I provide additional documentation showing that I am owed a refund for the return?, '' which has now also been attached to this complaint, no such opportunity was directly provided by them.
|
| 06/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I made an online purchase using my Apple Card ( issued by Goldman Sachs Bank USA ) on XX/XX/2020 in the amount of {$180.00} from what turned out to be a fraudulent vendor : XXXX ( XXXX ). I realized it when I tried to track my order but couldn't, and when I tried to contact the vendor, the number was disconnected and the email was undeliverable. I disputed the charge with Goldman Sachs within a few days. I never did receive the product.
Goldman Sachs has repeatedly resolved the dispute in the vendor 's favor, even though I provided documentation, including the undeliverable email, disconnected phone, paypal community results showing others had encountered the same issue with the vendor. I also contacted XXXX and was told that the vendor had been identified as fraudulent and suspended, which information was also provided to Goldman Sachs. Even after multiple times reasserting the dispute, providing additional information and speaking to numerous customer service representatives, I can not get a clear answer as to why the dispute was resolved in favor of the fraudulent vendor.
The Apple Card has been extremely convenient, but this has been the worst customer service I have ever received. I have luckily not had to dispute many transactions, but the couple of other times I have were with other credit card providers who were prompt, communicative and fair. If this is how Goldman Sachs treats an actually verifiably fraudulent transaction, how will they deal with more run of the mill complaints with vendors? I should not have had to continually dispute this transaction for more than 6 months to try to get it resolved. Apple Card users beware.
|
| 11/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX is violating The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which is a U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I have been a victim of fraud and identity-theft, which my personal information got stole/compromised with someone. I have filed a police report and have submitted an affidavit a number of times to XXXX, trying to get my XXXX credit file cleaned and fixed. On the other hand, I have submitted those documents to XXXX regarding a particular account called : Goldman Sachs Bank USA. This Account was opened on XX/XX/XXXX by an unauthorized person who stole my identity. XXXX removed the account twice and it got re-inserted on there because the company really think that I actually opened the account and provided unofficial documentation to XXXX, which is incorrect. I am highly upset because XXXX is violating the Fair Credit Reporting Act and is reporting and re-inserting incorrect and inaccurate information on my credit file. My next steps are to file a small claims court lawsuit against XXXX for not complying with the standards of the Federal Government. Please correct this issue. This account was re-inserted on my credit file on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. This is making me very upset and is causing additional stress in the mist of a pandemic of XXXX, which I was affected and those around me was affected as well. Please honor my request and have this fraudulent account removed from my Experian XXXX XXXX. Also, this is the only credit bureau this fraudulent account is listed on.
|
| 05/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
Goldman Sachs failed to respond to CFPB complaintXXXX which Goldman Sachs raised additional questions in previous responses. NOTE : the below questions are the same questions we have already requested earlier this year which were not answered by Goldman Sachs. If Goldman Sachs answers these remaining questions honestly, we will cease and desist all complaints against Goldman Sachs. If Goldman Sachs fails to answer these questions, we will continue to file additional complaints until these questions are answered! Furthermore ; complaints against Goldman Sachs will be posted on the internet for all consumers to view which will not look good for Goldman Sachs!
NOTE, failure to address complaints may be a violation of federal and state laws! First, after purchasing our Note and Deed of Trust from XXXX XXXX XXXX in XXXX XXXX ; did Goldman Sachs ever sell, transfer or Reconveyance our Note and Deed of Trust which is located in GSR Mortgage Loan trusXXXX XXXX? Second, if so, who did Goldman Sachs sell, transfer or provide a Reconveyance too? Please provide documentation! Third, please provide dates with your documentation! Please respond to our questions accurately and provide documentation so we can resolve this matter. NOTE : forwarding this complaint to the servicer, XXXX XXXX XXXX will cause additional complaints to be filed against Goldman Sachs! These complaints do in fact pertain to our note and deed of trust which reflects how the servicer has failed to act in good faith which has violated our laws. With this being said, these questions are warranted due to the fraud and bad business practices that has occurred. Thank you for your time
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I phoned AppleCard/GS Bank on XX/XX/XXXX and requested to close my never-used account. The person I spoke with informed me that I had a balance owing of {$20.00} plus {$3.00} in interest. This was the first I had heard of any amounts owing. I informed them I would pay that amount if it would complete closing my account. During the call they asked several times if I was sure I wanted to close my account, and I confirmed each time. I paid the outstanding balance on the call with another credit card. I asked and was told there would be no negative credit report, which turned out to be untrue. I was recently informed by my bank, XXXX XXXX, that my credit score had declined by nearly XXXX points, from mid XXXX to mid XXXX. The reason for the loss of score was a XXXX late payment claimed by AppleCard/GS Bank , as reported by XXXX. This is the only negative item on my credit report and it was clearly in retribution for closing my card account, as I had never used the Apple Card and did not know of any late charge. I called AppleCard/GSBank customer service after learning of the maliciously false credit report and asked them to remove the report. The woman I spoke with was very sympathetic and understanding, she said it was not right but all she could do was submit a " XXXX level '' report to her superiors. I have yet to hear anything more from Apple Card/GS Bank . Speaking to XXXX about this is not possible because they refer all inquiries to GS Bank. In my mind this is a good example of the abuse practiced by online finance companies over consumers. My confidence in XXXX to protect its customers has been severely damaged by this experience.
|
| 03/26/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have had money here for a couple years, seemed fine. I have moved large amounts to and from Marcus / Goldman Sachs before with no problems.
But in XXXX, XXXX they locked my account for no reason ( had not been linked recently nor used in any way ). When I called to unlock, they spent half an hour telling me they couldn't figure anything out, then tried to transfer me and hung up on me instead. After another 45 minute call, the finally got me to a department that claimed to be doing a security check by sending me a code to a phone number -- that they asked me to give them. ( I could have been anyone! ) I gave them my number ( it's on the account ) and they said their service would not send a code. Just wouldn't do it. That makes no sense, I told them, I've gotten security codes from Marcus on that number for months.
I asked them to send a code to my email on record ( a standard fallback for most banks ). They said they could not do that. They offered to send the code to a different phone number! ( Awful security practices! ) I gave them my wife 's. Their system would not send a code there either.
To fix things, they say I have to fill out a notarized form ( they won't send it via email for printing, only snail mail ) THEN get it notarized, they mail it back THEN wait a few days THEN call them back again and go through all that and hope someone will actually unlock the account. Then I have to hope I can move the money out without their shutting the account down again. Given their complete lack of knowledge about the account 's status and their own procedures, I am not confident this will be resolved in a timely fashion.
|
| 08/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I connected with a person on XXXX and agreed on paying for seats for 3 round-trips on a bus for a 3-day event in XXXX XXXX. I paid half as a deposit and then the remaining half on the first day of the event. Despite paying for SEATS, the bus overbooked and my wife had to sit on someone's lap for the long trip both on the trip there and on the trip back. Others had to lay on the floor and on eachother. It was super dangerous in the case of a crash not to mention very uncomfortable. My wife asked for a refund and used XXXX 's services instead on day 2 and 3. The bus service refused to refund, claiming a no-refund policy which was never mentioned in any of their material on XXXX. It was mentioned in their website but my wife found them on XXXX, talked to them on XXXX, received the invoice and paid it before we even learned of their website. At no point did we agree to those terms.
I disputed the payment and Apple card decided in my favor for the deposit of {$270.00}, but not for the other half ( an additional {$270.00} ). I don't understand that. Either you agree that the service was not rendered, or you don't. How is it half in my favor and half against?
Even more frustrating, this process has been ongoing for nearly 4 months now with essentially zero communication other than to tell me my dispute was not resolved in my favor. I went online only to find that they were even under investigation for this exact behavior. After trying to file a complaint with consumer finance, my complaint got closed with a message that says that my earlier complaints were processed. What earlier complaints? This was my first ever complaint.
|
| 09/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XXXX XXXX merchant named XXXX XXXX XXXX XXXX, charged an unauthorized transaction to my Apple Goldman Sachs credit card for the amount of {$490.00}. The company was hired to move my furniture on XXXXXXXX XXXX. During the move, it began to rain and the movers refused to move my couch in the rain because they claimed they could be injured. They told me they would be returning the following day after the weather improved to move my couch. They refused to release my couch and took it back in their moving truck, saying that they needed to hold onto it until the job was completed. On XXXX XXXX, the movers arrived at XXXX XXXX to move my couch inside my home. They asked me to sign their mobile device to close the moving contract, but they did not disclose that they would be charging me a second time. When I saw the second transaction on my credit card later That same day, I called the company and could not reach anyone. I continued to call and leave messages to dispute the charge directly with the merchant but did not receive any response. I opened a dispute for the charge with my credit card company, Goldman Sachs. On XX/XX/, Goldman Sachs informed me that they decided to side with the merchant on the dispute. They did not ask for additional evidence on my part before making their decision to credit the merchant for a transaction that was charged without my permission. If you see the attached contract I signed with XXXX and XXXX XXXX, you will see that a couch was included in the inventory to be moved. I should not have been charged a second time or additional charges since the couch was already included in my contract.
|
| 05/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
I recently received a XXXX branded credit card from Marcus : by Goldman Sachs in the mail. It was mailed to my name, but to my parent 's address. It also included a card with my mother 's name on it. I have not lived at this address or used it as a mailing address since I XXXX college in XXXX. While I was in XXXX, I did have a XXXX card ( shared on an account with my mother ), but it had been cancelled around XXXX. I have received no notifications of this account being active or in existence since this time. I discussed this with my mother who also had no knowledge of the account being open. I called Marcus : by Goldman Sachs to discuss why I had received a card that I did not apply for or authorize. They told me the card was sent because they took over the XXXX XXXX program from another financial institution ( I believe they stated it was XXXX XXXX ). They claimed this account was on the list of active accounts they received from XXXX XXXX. They would not provide any other information. I asked them to close the account, but they refused, stating that I was not the primary card holder ( even though both cards were sent to my name and there was no indication of my mother 's name except on the additional card that was included ). I feel they reopened an old, previously closed account without my ( or my mother 's ) consent. I have since asked my mother to call and close the account. I feel that this is an unauthorized account opening and Marcus : by Goldman Sachs is opening closed accounts without authorization. I work hard to keep my credit score pristine and feel that unauthorized actions like these are damaging to it.
|
| 12/07/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have been using this Marcus account for roughly 6 months and I have been consistently depositing money into it to save up. The account is not a CD so I expect to have the liquidity flexibility for my funds. My latest deposit was last night ( after hour ) and while the deposit went through smoothly, this morning while I tried to withdraw for a first time in a bit, I could not proceed and kept getting error messages. I tried calling the customer hotline, which was ONLY NOTIFIED THEN that there was a restriction on my account. I proceed to request information on when and why was my account restricted, as well as removing the restriction and not only did I not receive ANY INFORMATION on why my account was restricted NOR WHEN the restriction was placed, the representative ( Diamond? ) told me that she could not verify my identity since I just changed my number ( though it is updated in the app, and I have verified with SSN, first and last name, DOB, secret security word, as well as email ). I spoke to another representative, XXXX, which, apparently, has access to the record of me speaking with XXXX, and aggressively told me I will have to wait XXXX business days to hear back since my phone number did not meet the criteria to be verified. Of which, when I asked why and what are the criteria, XXXX refused to provide me any additional information about why my phone number does not meet the criteria and what the criteria is. This is violating my rights as a consumer since I was not notified at all about the restriction and now, I can not have access to my emergency funds, specifically for withdrawing only and not depositing.
|
| 09/14/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2021, I attempted to log into my Marcus by Goldman Sachs personal savings account at which point I discovered it was locked. I then immediately called the customer service number listed, and after waiting for a cumulative time of 23 minutes on hold, I was unable to be transferred to the specific team who had closed my account and would need to reinstate my account. Customer service then told me that this specific team would call me back " at some point '' and that there was nothing I or they could do in the meantime. I then requested to transfer my funds out of the account so that I could close the account and terminate my relationship with Marcus by Goldman Sachs, however, the customer service team told me I could not do that. As of now, Marcus by Goldman Sachs is preventing me from accessing my funds without providing any explanation and without allowing me to reach the team responsible for locking/unlocking my account, therefore I am requesting the CFPB 's involvement to investigate.
Additionally, on XX/XX/2021, when initiating a small transfer of funds from my Marcus by Goldman Sachs account to another personal bank account at another financial institution ( which I am the account holder of ), I received an unorthodox call from Marcus by Goldman Sachs informing me that I needed to provide a phone number for the receiving financial institution in order for the transaction to be reviewed and completed. After inquiring into the nature of this unorthodox request, I provided the customer service phone service number of the receiving financial institution ( which is obtainable via a simple internet search ).
|
| 05/26/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/23 I opened a Marcus Savings account with a promotion : " After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Account within 10 calendar days of enrollment ( the Funding Period ). The Account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ) must be maintained in your Account for 90 consecutive days from the end of the Funding Period. The Account balance is based on the starting current balance reflected on your account at XXXX XXXX ET the day you enroll. Once the Funding Period has ended, your Account balance may not drop below the Required Dollar Amount at any point until after the 90 consecutive days have passed. You may make multiple deposits within the Funding Period to reach the Required Dollar Amount. Internal transfers do not count for purposes of this Offer. If you choose to enroll a different Marcus Online Savings Account in this Offer, you must deposit {$10000.00} or more in new funds from an external account into the newly enrolled Account within 10 calendar days of enrollment in this Offer, even if you reached the Required Dollar Amount in a previously enrolled account '' Based on the 90 day figure, XX/XX/XXXX should be the maintenance day. It is not. See the screenshot on the day I opened the account, it says to maintain by XX/XX/XXXX! Then, I logged into my account this morning, XX/XX/XXXX, and the terms changed to XX/XX/XXXX! DOUBLE-CHECK THE TERMS AND KEEP TRACK OF DATES WITH MARCUS. WHO IS TO SAY MARCUS WILL NOT KEEP ADDING TIME INDEFINITELY SO THEY CAN KEEP YOUR MONEY LONGER WITHOUT PAYING THE BONUS TO YOU?!
|
| 04/11/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
XX/XX/XXXX : Closed No Penalty CD acct. & instructed to have the money transferred to an outside bank. Called Marcus XXXX to confirm and was told that it was closed and they said " as per Federal Regulations, it takes 7 business days to receive funds ''. Then I went to look at my account online, I didn't see it was closed and called Marcus again. Was told it was closed and I wouldn't see the closure noted on my account until the money is transferred.
Today, XX/XX/XXXX, I received a letter from Marcus mentioning a maturity date on this CD as XX/XX/XXXX. I thought that odd and called Marcus again. The rep told me that the maturity date was the initial date of the CD and I can disregard the letter. Then she saw I indicated me wanting an ACH transfer and questioned that it should not take this long to get the funds. She checked further and saw the account was NOT closed. I was very upset. So now she asked me if I want to close it ( when I was told, twice, it was ) and I said yes and requested to speak to a Supervisor. Spoke with Supv, XXXX, who said the rep on XXXX gave me wrong information of it taking 7 business days and they need to educate this person further. Then the phone disconnected and she didn't call me. So I called back and spoke to Supv, XXXX who said the " transfer is in the last money stage '' and that it could take 1-5 business days to receive the funds. So now I have to wait another week. They did confirm the account is now closed ( XX/XX/XXXX ). Case # XXXX.
I told XXXX I am going to report this as its very upsetting and embarrassing as I told people I would pay bills this week and it may not happen.
|
| 09/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am writing this complaint with regards to a charge of {$640.00} on my Credit Card account, related to a transaction with XXXX XXXX on XX/XX/2023.
On XX/XX/2023, I received a call from the district manager of the XXXX XXXX store ( XXXX ) in XXXX, NY where the incorrect tires were installed on my car without my knowledge or consent. I was pleased to hear that the district manager fully acknowledged the error by his store and agreed with me that I should not be held responsible for the cost of incorrect tires placed on my vehicle, given that they were installed without my knowledge or approval.
Additionally, I was informed by the Store Manager that the employee responsible for the " bait and switch '' tactic has been terminated by the store. This action further reinforces the acknowledgment of their mistake and strengthens my case against the unwarranted charges for wrong tires.
As the representative of the store, the district manager recognizes the merit in my complaint and shares my concerns regarding the unauthorized transaction. Therefore, I kindly ask that you proceed to close this dispute in my favor, as I believe it is evident that I should not be held liable for something I neither requested nor was aware of.
Last, but not least, attached please find XXXX XXXX response to XXXX XXXX XXXX on XX/XX/2023 supporting my conversation with XXXX, the XXXX XXXX District Manager that I've described above, and the company 's care and support for my concern and request for a refund.
Thank you for your attention to this matter. I remain hopeful for a swift and fair resolution to the dispute.
Sincerely, XXXX XXXX
|
| 06/08/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
My CD account with XXXX by Goldman Sachs matured on XX/XX/18. I called that day to close it and initially to add funds to it and open again for a new period. My other financial institution was linked to my CD account in order to make the fund transfer. After a few days I called again to confirm the link but I was asked about my employment status in order to proceed. I told them its irrelevant and I dont want to reveal that information. They said its required so in this case I requested to talk to a supervisor. But, the supervisor confirmed it is required. So in that case, I informed the supervisor I want to close the CD account and I want all money to be returned to my to the other financial institution that was linked to my CD account. The supervisor read me a statement that its what I want - to close the account completely and to get the money back and I confirm it again. She said it will take 2-3 days to close the account and another 2-3 days to transfer the money back to me. This conversation was within a 10 grace period and it was on a recorded line.
I waited a week checking my other institution online account every day if the money from my CD got transferred. But it wasnt. So, I called XXXX again today why I didnt get my money back. They told me that I was supposed to call back within a 24 hours to confirm it again with them. But that is a lie. The supervisor I talked to never said anything like that. And now, They threatened me that they will penalize me with interest and that they renewed my CD - without my permission.
I need your help because XXXX by Goldman Sachs is not an honest institution. Thank you.
|
| 05/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE APPLE CARD/GS BANK USA 10 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$5000.00} Balance updated XXXX XXXX, XXXX Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX CO - XXXX CO XXXX CO XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - CO XXXX XXXX CO XXXX XXXX XXXX XXXX Account charged off. {$5000.00} written off. {$5000.00} past due as of XXXX XXXX.
Status updated XX/XX/XXXX Past due amount {$5000.00} Highest balance {$5000.00} Monthly payment - Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
|
| 11/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Older American |
|
The Apple/GS Credit Card filed that I was over 60 days delinquent when in fact I was unable to make a payment due to inadequacies in their system.
I purchased a new XXXX in XX/XX/XXXX and agreed to pay for it through the Apple/GS credit card. I was told at the time that I would receive statements via email, and the XXXX employees and I spent considerable time confirming my email address. When I received the physical card some weeks later there was no information on it, no account number, and more importantly, no telephone number for customer service. Several months went by before I finally received a letter from Apple/GS with a contact phone number. I called them immediately, and they walked me through the process of setting up the Wallet App and then provided me with detailed instructions for making payments by check through the mail.
None of the information I received at the XXXX XXXX turned out to be correct.
( 1 ) In order to function properly, your Apple ID must match your current email address. This was never conveyed to me until nearly 6 months later. This would make it impossible for Apple/GS to contact me electronically.
( 2 ) Even with the proper email address, the Apple/GS card never produces a statement of any kind unless you specifically call customer support and ask for one. This appears to be a violation of Federal law.
( 3 ) You are expected to use their App as the only mechanism for making payments which makes it impossible to set up any kind of payment schedule with your bank. As a victim of identity theft in XXXX I am rather reticent about sharing bank information with an App on my phone.
|
| 01/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XX/XX/XXXX {$4000.00} Payment Sent XX/XX/XXXX Shown on the statement XX/XX/XXXX Check cashed and stamped by Goldman Sachs Apple XX/XX/XXXX Payment reversed, Apple to apply no details why, bank of check confirmed funds were cashed XX/XX/XXXX {$4000.00} reapplied and an email was sent apologizing for their admin error Multiple calls confirming that the payment would be backdated since funds were NOT late, it was a result of the banking institution, and that the late payment of 60 days in XXXX would be removed.
My payment was reported 60 days late in XXXX of XXXX. In XX/XX/XXXX on the phone I was told this late payment would be removed because it was Apple 's mistake. It has yet to be fixed. These late payments are not accurate. The original XXXX payment was not backdated. They just reflected it as a new payment in XXXX. Their error has drastically affected my credit where I've never had a 30 late payment.
My funds were held hostage, my calls and investigations with them go nowhere.
XXXX of XXXX there were fraudulent charges that were disputed. My payment for XX/XX/XXXX did not post till XX/XX/XXXX. They reported that 60 days late despite it being 1 day late. My statement shows XXXX payments within 60 days of XXXX. Their reporting is inaccurate. I have been going back and forth with them for over a year having to start over every time I call and not receiving any callbacks.
Their customer service has not helped at all.
Proof attached : check with time and date of being cashed by Goldman Sachs, gmail with their apology, statements reflecting errors & showing all payments, proof of check being sent via USPS.
|
| 12/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Apple Card from Goldman Sachs Bank 3 charges were made against my brand new card in short succession on XX/XX/2019 The charges were made by XXXX XXXX XXXX XXXX in the XXXX in XXXX pounds 2 charges were accepted by the bank 1 charge was declined by their fraud department I contacted the bank on XX/XX/2019 immediately on seeing the charges.
Bank said they would credit the charges, and changed my card number Charges were disputed for XXXX and XXXX, but they were not reversed Credit appeared on XX/XX/2019 On XX/XX/2019 the bank reversed the decision and charged back the XXXX I called the bank and was advised that is was not filed correctly by the agent and that they would refile and it would be credited back. No change was made to my account.
Called the card services again on XX/XX/2019, the agent said the previous agent had not filed the refiling correctly. I spent 35 minutes on the phone reviewing the issue. I was advised that the merchant would have to be contacted and I would get an answer. I explained that the 2 other charges to the merchant were declined why was this one accepted. I was advised that the charge for XXXX was still under review and not closed. The XXXX is now on my bill and due.
Called the card services again on XX/XX/2019. Escalated to the supervisor. Was again advised that they would resubmit, but that the merchant must have provided documents for it to be recharged, but there was not proof provided to me. She advised that they would escalate the issue and I would be contacted, but it could take them up to 90 days. In the meantime I can pay the disputed charge or I will be fined interest.
|
| 06/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
On XX/XX/XXXX, we made a payment of {$560.00} to pay our Apple Goldman Sachs credit card bill thru XXXX XXXX Bill Pay. Apple Goldman Sachs credit card claimed they never received the payment. So to avoid a problem, we paid an additional {$560.00} that was subsequently credited to the account at the end of the month.
We contacted XXXX about the first payment on XX/XX/XXXX and XXXX said they send the payment electronically and provided proof that the payment was sent and received. We've sent this proof to Apple Goldman Sachs more than once. Apple Goldman Sachs keeps claiming they can't find the payment. We've had at least 20 phone calls with people at Apple Goldman Sachs and no one seems to know what is going on.
On XX/XX/XXXX, someone named XXXX called from Apple Goldman Sachs and even got XXXX on the phone with me to verify all the information in the proof of electronic payment.
On XX/XX/XXXX, someone named XXXX called us from Apple Goldman Sachs and went over everything with us again, and acknowledged that they must have the payment somewhere and said she will track it down and make sure we get credit. She had promised to keep in touch with us but to date, we have heard nothing.
We would like the credit for the extra payment of {$560.00} that we made. This has taken hours of our time and we are left with the impression that we are being stonewalled in the hopes that we will just go away and Apple Goldman Sachs will just keep the money that is rightfully ours. It's hard to believe that they are doing that, but the alternative is that their staff is incredibly incompetent. I'm not sure which one it is.
|
| 10/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
On XX/XX/22 I paid for my brothers birthday dinner in the amount of {$480.00} using my Apple Card via XXXX XXXX. Per my Apple Card wallet app, the aforementioned purchase entitled me to 2 % in XXXX XXXX back totaling {$9.00}.
Typically Daily Cash back is dispensed the following business day to your XXXX XXXX account.
It should be noted that Apple Card is operated by Goldman Sachs whereas XXXX XXXX is facilitated XXXX. Additionally, there is no shared oversight between the entities and they have no access to each others in-house systems.
When a few days past without the {$9.00} hitting my XXXX XXXX I submitted a dispute to Apple Card. During their review they claimed their was no error. So I called XXXX XXXX and an XXXX associate screen mirrored my phone and confirmed I did not receive the promised {$9.00}. The XXXX XXXX associate then called a Goldman Sachs Apple Card representative who then resubmitted my Daily Cash review, and a few days later I got another email saying their investigation yielded no error. I then reached out to Apple Card again and escalated my issue, and now have spent countless hours via text and phone trying to obtain my 2 % cash back for this particular transaction.
Typically Daily Cash back rewards are nominal in value because based on the transaction rewards vary from XXXX %. I only happened to catch this error bc I was expecting a larger sum based on the purchase.
My concern is, Im currently aware of 2 transactions in which Goldman Sachs has yet to payout their promised cardholder rewards but how many other customers have fell victim to their deliberate false accounting.
|
| 11/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
A fraudulent charge appeared on my credit card.
I reported this to Goldman Sachs.
They reversed the charges and said they would send information about the charges.
I do not have any knowledge of the charges listed as IN * Student Mentorship for {$250.00} and XXXX, which were charged to my card on XX/XX/. I have never had any interaction with this vendor. I have not received any mentorship services from any vendor nor have I ever received services from any vendor providing student mentorship services. I dont believe IN * Student Mentorship are a real business.
I contacted Goldman Sachs again on XX/XX/. I sent a letter on XX/XX/, which apparently did not reach Goldman Sachs. The Apple website lists an incorrect website for such disputes, apparently.
So, I tried again.
I asked Goldman Sachs for a file regarding the fraudulent charges made in reference to the dispute listed above. This is my fourth request for you to provide this information. To date I have not received any substantiation from you that a valid charge took place.
I provided a fraud report to the FTC Report Number XXXX.
Goldman Sachs ' case manager called on XX/XX/XXXX to say that I needed to prove that I had not made these charges.
If you XXXX : " In * student mentorship '' no results are presented.
I have no emails, texts or phone calls from this merchant.
I was told that I made these charges with my phone in person.
My phone was never outside of my control on XX/XX/.
I have asked for evidence that merchant has a valid account with my name, including : receipts, tracking numbers, or written interactions with the client.
|
| 08/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I have changed my card number on my Apple Card as I was trying to get in financial shape and informed the customer care not to have any recurring payments carry forward, they have agreed to it at the time but and it was declining few of the transactions in the beginning which I saw on the statement after that, so since I knew it was working I didnt thought of the balance as I know I will only have to pay if I make a purchase, and I was in control of my finances, but they allowed two transactions carry forward from the old card from last year I guess that was even before a year I did business with them, since I was confident about not having to check my statements often because of the new card I didnt notice, until today I got a mail I dont normally look at the advertising email but luckily I found that they have charged my card and is being charged today for a second time when I looked the credit card statement its on it, when I spoke to the customer care they mentioned, they have no power to block merchants, so where is my safety? Anyone can come and take the money and I have to be responsible for it, since I am a realtor and know few lenders and mortgage brokers and also trying to be a Mortgage broker I knew about CFPB I dont know how many people are going through this, what I have learned in NMLS is that I have the power as a consumer to ask the bank to not to continue a payment on my credit card unless I authorize but this bank seems like they dont care about the rules or correct me if I am wrong as well please, but pls let me know where was I wrong, what should I be doing so that it wont happen again!
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| 05/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX at XXXX PM at XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, I purchased shoes for {$140.00}. I was never given a receipt for my purchase. The shoe size was incorrect. Asking for a return from the manager was denied because " they have no proof of purchase ''. I asked how I was supposed to provide proof of purchase when they denied me the means to provide it ( no receipt ). Manager could not answer, my return was denied.
I reached out to my Apple Card XX/XX/XXXX to open a dispute. I needed a copy of my receipt in order to transact the refund. Apple stated they will begin investigating right away. They requested documentation proving I reached out to XXXX XXXX to resolve the issue. I submitted phone logs showing multiple conversations with XXXX XXXX where they explain the will resolve my issue and contact me at a later date. I call 4 separate times, on XXXX, XXXX, XX/XX/XXXX and XXXX at XXXX XXXX corporate number ( XXXX ) XXXX.
Apple Card gave me receipt after 90 days, and refused to elaborate further as to why it took the company over 90 days to produce a copy of the receipt. Apple refuses to explain why they did not provide the receipt, nor do they give a reason explaining XXXX XXXX lying and explaining 4 separate times that someone would reach out.
On XX/XX/XXXX, I spoke with an Apple Card specialist for an hour and explained that there is nothing I can do. I explain to him the multiple laws stating that is it illegal to refuse a receipt in purchases, but the Apple Card rep did not seem aware of laws. I've wasted hours of my life trying to explain to Apple how fraud works.
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| 04/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
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- On XX/XX/XXXX a series of unauthorized transactions were made on my Apple Card by Goldman Sachs, and were reported immediately to the service department. Provisional credits were made for each, and eventually became permanent, with the exception of the largest disputed amount of {$400.00}, which was charged at an undisclosed XXXX XXXX location.
- The investigation resulted in a reversal of the provisional credit, suggesting that I had in fact made the charge myself, which was false. I requested that the dispute be reopened in XX/XX/XXXX, and it took 2 months and weekly phone calls/complaints for them to reopen the dispute and make a decision on issuing a credit. I received an email on XX/XX/XXXX indicating that the investigation was complete, and that I should receive a permanent credit of {$400.00} on my account. However, weekly inquiries have resulted in unfulfilled promises of the credit being applied, and has not been resolved.
- As of the date of this complaint ( XX/XX/XXXX ), no credit has been applied, despite numerous " escalation requests '' and commitments from representatives that this should be resolved in a matter of " a few days ''.
- Goldman Sachs is still holding me responsible for the disputed amount, despite issuing an email to me stating that the dispute was to resolved in my favor. " XXXX '' a purported manager in the fraud department indicated this is simply a " IT issue for alot of accounts, not just yours ... '' and that " IT just hasn't gotten around to it yet. '' XXXX was unable to make any promises or commitment for timeline for resolution as of the date of this complaint.
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| 02/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint regarding a transaction dispute with Goldman Sachs, the issuer of my Apple Card. On XX/XX/2022, I attempted to make a purchase in the amount of {$430.00} at the XXXX XXXX store using my XXXX XXXX. However, the transaction was unsuccessful, and I had to use another credit card to complete the purchase.
Afterward, I noticed an erroneous charge of {$44.00} on my Apple Card statement, which was clearly an incorrect amount, given the applicable 8.125 % sales tax rate. Upon contacting the store manager, I provided them with the purchase receipt, which was automatically emailed to me at the time of purchase, to highlight the issue. The manager acknowledged the error and promised to forward the receipt to the Sales Audit Team for prompt resolution.
Despite these efforts, Goldman Sachs failed to locate the receipt and deemed it insufficient to resolve the dispute. Moreover, they demanded additional proof from me, even though I had already provided the only evidence available to me. They did not even request the store to provide the receipt for the {$44.00} transaction, which would have been a logical first step in addressing the dispute.
I am writing to request your assistance in this matter, as I have been unfairly burdened with proving the non-existence of a transaction that I did not authorize or make. This request for additional documentation is unreasonable and places an undue burden on me as the customer.
I trust that you will look into this matter and ensure that I receive a fair resolution to this dispute.
Sincerely,
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| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
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I got approved for Apple Card by Goldman Sachs in XX/XX/2023 and purchased Apple XXXX XXXX with monthly instalment. The next day I changed my mind regarding the color of the computer and went back to the store to exchange it. The specialist told me that he has to make a return and make a new purchase. After making the return transaction, the credit card started declining the new purchase transaction. There were sufficient fund s on the credit card. Barely I found the phone number of Goldman Sachs and called them right from the store. They told me that my account is under review and I have to wait until it is over. The next day I tried to purchase the computer online and after that my account has been locked. I called to the customer service of the bank and again they told me just to wait until the end of the review. I waiting about 1 week after I called them back to understand what is going on. One of the managers unlocked and verified my account. She verified that my account is all set and I can continue using it and purchase items from Apple. I tried to make a new transaction on Apple.com but again it put my account under review again. I called and wrote to the customer service. Every time they were telling me that my account is under review. The next day it wasn't. I called them 10 times, I spent 10 hour staying on the line and talking to the supervisors and managers. Nobody is helping me with this issue. Some of their supervisors just hang up and don't answer the questions. I haven't seen such bad customer service before. They don't tell me the reason of the review. My transactions don't go through.
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| 10/07/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2023 Marcus by Goldman Sachs contacted me via email to inform me to contact them by phone. I called them on their phone number ( XXXX ) and answered all security questions successfully. They said that they need a phone number to provide a security code and I gave them the phone number on file which I was also using to call them. They said they were unable to send it to that phone number and would not give a reason. Despite this, the app sends a OTP pin to my phone number no problem and lets me sign in with it. Anyways, they said the only thing that would let them disclose why they had told me to call them was an notarized affidavit of identity sent to me by mail. Fast forward 5 days and I still have not received the letter, so I call them again. They said it takes up to 10 days and to call them back. I asked if there was an online form I could print out instead of being sent it and they said no, despite one being available on XXXX when you search " Marcus Affidavit of Identity Form '' on their website, marcus.com. Now, 10 days after the initial phone call I am given the same routine on the phone. They tried to put in a new request for the form, but I informed them that I had called 10 days ago and the request for the form was already put in. They found the request and said it was still processing. I was told that they were escalating the issue and I should hear back from them. I have missed rent and credit card payments as a result of not being able to withdraw my own FDIC insured funds from the bank. They even accepted the direct deposit to the account from my work and won't let me access it.
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| 03/11/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
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Web |
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On XX/XX/2021, I lifted the credit freezes from 4 bureaus ( XXXX, XXXX XXXX XXXX ) so I can apply for a savings account.
I then went to Marcus ( Goldman Sachs ) online savings website, and applied for a savings account.
I got a message saying I should call the bank for manual verification, and asked me to reference application ID XXXX. So I did. After some time on the phone ( a call I recorded - I normally record all my phone calls as standard practice, and I am in Texas, a single party state ). After asking me to repeat all the information I provided online, I was informed I am " manually declined '' for Goldman Sachs 's failure to verify my ID.
After further contact on XXXX with Goldman Sachs, it was suggested maybe I have a typo in my application. So I applied again, triple checked everything, and got denied again ( application ID XXXX ), with the same pretext.
I have credit scores over 800 in all bureaus, and a high net worth individual who just wants more bank accounts opened to increase my FDIC coverage. I keep my reports frozen as a precaution and lift them only when needed.
Goldman Sachs failed to disclose why I was denied, and failed to disclose what bureaus and databases they used to reach their decision.
I have decided not to pursue an account with them anymore, but I have recently examined XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and found no issues.
I demand that Goldman Sachs disclose to me, in writing, what databases they used to reach their decision, as I have the right to examine those records and make sure there is nothing about them that is incorrect.
Thank you, XXXX XXXX
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| 07/18/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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Web |
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Marcus by Goldman Sachs, wouldn't issue a charge back to ACH transactions that were initiated based on fraudulent marketing tactics by XXXX.
Marcus denied my case as soon as I submitted the ACH dispute. They repeatedly told me many times that they don't need any documentation to investigate my claim! I had to put in the claim about 4 times, and called multiple times to ask them to actually investigate the dispute properly! I finally was able to get them not to deny the dispute before I send my documentation in. I sent Marcus a lot of documentation involving the deceptive techniques used by XXXX, along with all the complaints I submitted to multiple government agencies. Even then, it still didn't matter and the dispute was denied. I called in to ask for my legal right to receive a copy of the documents that they based their decision on. I received a call telling me that there is no documentation to share and that the decision was made internally and involved their legal counsel! I had to negotiate my legal right with them over the phone, and then received a denial letter again stating that the ACH was authorized, hence they won't help me!
When I mentioned the Electronic Fund Transfer Act ( EFTA ) and Regulation E, Marcus reps told me that it does not apply to my situation. After reviewing your website under Q1 of the Error Resolution : Unauthorized EFTs, titled What is an unauthorized ETF, I find that my dispute should be covered by Comment 2 ( m ) -3 ; specifically, " This exclusion does not apply to transfers initiated by a person who obtained a consumers access device through fraud or robbery ''
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/XXXX I submitted a complaint through the CFPB complaint # XXXX stating that Green Sky XXXX was using Color of Law to not only publicize and furnish inaccurate and private information but also that the information is FRAUDULENT and that has resulted from its own acts of FRAUD and IDENTITY THEFT as defined by 15 USC 1681 a ( q ) using extortionate means to collect on debts not owed which is a crime. I have made Green Sky aware numerous of times that the transactions were unauthorized which the CFPB has sued Green Sky for in XXXX File No : XXXXCFPBXXXX In the attachment provided I asked that the company provide proof it acted with lawful authority when it obtained and shared my information to consumer reporting agencies, and they failed to do so. Instead, they responded to the CFPB on XX/XX/XXXX stating that the complaint is in progress, and on XX/XX/XXXX mailed a attached letter to my home stating the same thing in addition to numerous phone calls asking about the detains of FRAUDULENT Transaction. I have put this company on notice and have filed a valid FTC complaint which is also attached, however they have failed to remove this tradeline from all three of my consumer reports which is another federal violation 15 USC 1681 s-1 ( a ) ( B ) which clearly states : If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency unless the person subsequently knows or is informed by the consumer that the information is correct.
|
| 01/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
|
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have noticed Apple Goldman Sachs reporting a debt that I never contracted or agreed to pay. They have reported negative and defaming information beginning XX/XX/2021 on my credit report. They have never given sufficient information to me in order validate this late payment. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
|
| 05/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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After receiving an email advertising apple XXXX XXXX cases at half price from a company by the name of XXXX, I placed an order for 4 cases on XX/XX/XXXX ( 1 for each member of my family ) using my Apple Card. Total price was only {$120.00} The company, XXXX, never sent me the cases. Further their website was shutdown and there are numerous comments online about the company being fraudulent - portraying itself as being part of xfinity but never shipping anything to anyone and not actually being part of XXXX.
I have since tried to dispute this charge with my Apple Card by Goldman Sachs. Despite submitting the only info I have multiple times and pointing out that the XXXX website was shutdown and that the company was a fraud, Goldman Sachs has opened a dispute, credited the charge and then reversed the credit in the favor of the vendor 3 times. On XX/XX/XXXX, they finally sent me an email letting me know that the dispute had been decided in my favor but they had already reversed the credit. When I initially called to ask and them to credit the charge, the agent apologized that it had not happened and told me that she was escalating the issue to her supervisor and that it would be taken care of right away. I called again this past Sunday and the same thing happened - Apology, filing a report, it will be adjusted and you'll get a call from a supervisor, very sorry.
Yesterday, I once again called and the agent told me that the email stating that the dispute was resolved in my favor was in fact an error and that we could once again start over and contest the charge ... I can't make this stuff up
|
| 01/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the XXXX has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!
|
| 06/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
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Web |
|
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When my financial hardship began I contacted my lender Marcus by Goldman Sachs in XXXX 2022 to inform them that Im having difficulty making the full payment and can I request a hardship or assistance plan? I was informed by their rep. NO i dont qualify. It bothered me because another lender company I applied at the same time worked with me and I have no problems and I'm currently back making my regular monthly payments with that lending company. But Marcus has been a complete opposite and nightmare. The numerous calls through my day. This company called over 15 times in a day and everyday but sunday. It was so horrible that I had to cut my phone off because they called so much. Plus the letters about the loan to make it seem as if I was not contacting them to work something out. I reached out again in XXXX, XXXX, XXXX, and in XXXX. just to see if I qualify and again all four times their Rep told me no about a payment plan and that I dont qualify. The conversation in XXXX I mentioned to that Rep. than stop all the phone calls if you cant help me and all Im asking for was a short term plan just until I can get back on my feet. He went talked to his manager and came back with NO! because I dont qualify and informed me that collection calls will continue. As they did everyday but sunday! 15 plus phone calls from Marcus to add on the stress level I was already under. Letter in XXXX came that they charge off to XXXX XXXX XXXXXXXX for non-payment after I made numerous attempts to make payments just not the regular monthly payment as they requested during that time and they not once worked with me.
|
| 10/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I am an Apple Card customer. The Apple Card is held by Goldman-Sachs . This card is supposed to offer a daily cash feature that will give the customer anywhere from 1 % to 3 % Daily Cash on purchases. This Daily Cash is posted almost immediately after you make the purchase hence the term Daily Cash. I use my Apple Card as my daily use card. I buy everything from gas to groceries to clothes on this card and I spend thousands per month with the Apple Card. I have other cards but the ease of use and seamless connection to my phone makes this card great for daily use. Well, I started noticing that Apple was not applying my Daily Cash to my account back in XXXX of 2022. I reached out to Apple as soon as I noticed the issue and they assured me that the problem would be resolved and and my Daily Cash rewards would start to post to my Apple Cash card. Here it is 6 months later and no rewards have been posted. I recently talked to Apple and Goldman Sachs support and they can not find the issue. After being on hold several times, I was told to call a company called XXXX XXXX that is supposed to be the handler of the Apple XXXX portion of this card. I explained to the tech that it is not my job to fix your faulty system and I should not have to be put on a wild goose chase to figure out how to get a reward that your company advertises as one of your key features that make your card special. The support tech had nothing to say other than an apology. As of this writing, the problem remains unresolved and I will no longer use the Apple Card as a daily card because it offers no rewards to its customers.
|
| 09/05/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American, Servicemember |
|
XXXX XX/XX/XXXX, Goldman Sachs ( GS ) Bank routinely email-notified this longtime customer his ( XX/XX/XXXX ) monthly statement was available in his online savings account, but then maliciously blocked electronic access to that XXXX / veteran 's / GS stockholder 's account until the customer first provided answers to some additional invasive corporate private banking questions under the misguided warning such answers were MANDATORY!
In XXXX then-President Bush signed the US Patriot Act reportedly giving financial institutions authority to ask customers ( especially foeign nationals, which I am not ) full name, social security number, birth date, and contact information ( e.g., address, email addresses and or phone numbers ).
I have no problem with this and readily provided this information to Goldman XXXX.
The Patriot Act also reportedly encouraged financial institutions to get to " know their customers '' by asking additional VOLUNTARY questions, like : current employment status ; occupation ; sources of income ; marital status ; whatever. Such information could help the government track illegal activities such as " money laundering '' and financial institutions could more intimately tailor loans and other products to more effectively market them to banking customers.
Goldman Sachs cutoff with malice my online account access unless l ( and apparently all their other online banking customers ) first answered these strictly-VOLUNTARY questions.
Almost a full week into the new month I am still totally locked out from online access to my web-based Goldman Sachs Bank savings account.
|
| 01/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I've been a XXXX credit card holder for probably over 20 years. I don't know when it happened, but " XXXX by Goldman Sachs '' took over from XXXX. I get all my bills in the mail in paper form. I received a phone call from a representative who told me I had an outstanding balance this last XXXX. At that time I informed the representative that I never received a bill in the mail from them. I paid this outstanding balance immediately. The representative told me that after I make the payment my account balance would be {$0.00} and the late fee and interest charges would be reversed. In XX/XX/2022, I started receiving notices in the mail from XXXX that I still owe them money. On XX/XX/2022 I called their customer service number and the representative told me it was again fees for interest & a late fee. At that time, I explained what occurred in XXXX and she told me that XXXX had made all my statements electronic. I do not get any of my bills this way. Every month they just keep on tacking on more fees on my account when it was XXXX who made the error of delivering my statements electronically. After numerous phone calls, and a guarantee that someone higher up the chain will be calling me to straighten all of this out, all I keep getting is statements in the mail with a new HIGHER balance due. This is their fault for making my account statements delivered electronically. I NEVER requested this action. They are now wrecking my credit score by reporting this ever growing balance due under my SSN. Please assist me with getting this matter straightened out with this XXXX company.
XXXX, XXXX XXXX
|
| 03/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I contacted XXXX regarding the credit card issued by Goldman Sachs. In my correspondence, I explained about billing error and asked them to send me documentary evidence for this account.
They have responded with an email that does not address my correspondence to them. I have called them and no one seems to be able to assist or act like they don't know what I am talking about.
I have also sent them an endorsed coupon which they received ( everything was in the same envelope ) They have not contacted me to let me know whether they will honor it or not, neither have they returned it, yet the balance has not been updated.
They continue saying they are a paperless company and continue to violate federal laws, as 12 CFR 1026.13 ( a ) ( 7 ) clearly states the creditor must mail statements to the last known address.
They have also received my billing error notice package and signed for it on XX/XX/2022 by XXXX XXXX at XXXX ( see attached ). On the email I received XX/XX/2022, XXXXXXXX XXXX they do not address any of the Billing Error Notice I sent, therefore this does not constitute as acknowledgment of the correspondence I sent as required by 12 CFR 1026.13 ( c ) ( 1 ). They also continue collection action on the disputed amount as of the moment I am typing this complaint, nor have they sent documentary evidence for this account as requested. I also requested them to refund all monies paid until this moment, and that has not been addressed either. I requested them to give me access to my open-end credit and I zero it out at the end of every billing period, and still they have not done so.
|
| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Bank XXXX Account XXXX XXXX, has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
|
| 07/28/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I deposited approximately XXXX into the savings account during the first few weeks of XX/XX/2023. Upon attempting to withdraw XXXX during the last week of XXXX the bank froze my account. I contacted them over the phone. The bank asked me to verify information via USPS which I did. After receiving the documents they said I would have access to my funds within 7-10 business days. They have a very difficult system for taking calls which causes extremely long wait and transfers. I have since contacted them over XXXX times and each time I am given very little information about where my funds are or why my account was frozen. Its almost as if they are purposely wasting time to delay return of funds. After many calls I was told my account would be force closed for fraud although no exact explanation for this was given. And that my funds would be returned to the original funding source again ( for the XXXX time ) within XXXX business days. I asked the representative exactly what day that would be. The representative who claimed to be a Supervisor stated that would be XX/XX/XXXX XXXX I called the bank on XX/XX/2023 and after many transfers and holds I was asked to allow another XXXX business days to let them research my account. On XX/XX/2023 I called again and was told my funds had gone to Unclaimed Property and the account would need to be reopened in order for my funds to be returned and this would take another XXXX business days. I informed the bank I would report them to the FDIC they took the report number. The FDIC asked me to contact Federal Reserve the XXXX asked me to report to you.
|
| 04/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
In XX/XX/XXXX, I did a home equity loan through my bank and paid off multiple credit cards including my GM card ending in XXXX. The account was supposed to be closed at payoff. I cut up all my cards at that point, but I could not find my GM card. I was not concerned though because it was closed. In XXXX, I got a notification on my credit monitoring service of a delinquent account and saw that this GM account that was supposed to be closed with a XXXX balance was reporting past due. I have never received anything in the mail alerting me of this. I called GM and discovered there were several XXXX purchases that were made after it was paid off. So I logged into my XXXX account and compared my history to the charges. NONE of them were on my XXXX history. I rarely use XXXX and I did not at all in the timeframe of the charges. I called GM and reported 4 charges as fraudulent- {$72.00} and {$15.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX and {$20.00} on XX/XX/XXXX. GM approved and removed the {$15.00}, {$11.00} and {$20.00} but have done nothing with the {$72.00} charge ( which was on the same day as the {$15.00} charge that they removed ). I have called 4 times in the last 30 days and am continuously told it is still " pending review. '' Meanwhile, it continues to report as delinquent and incur late fees and interest charges! I called today and asked if it is still incurring late fees and interest and reporting late while under review and the rep said yes! The rep also said, even if the {$72.00} charges is removed, I may still be responsible for the fees. This is completely unfair and wrong.
|
| 02/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My GM Rewards Card at Marcus by Goldman Sachs was charged on XX/XX/XXXX for {$470.00} for an item I did not authorize nor purchase, labeled XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX. Upon noticing the charge, I promptly called Goldman Sachs and notified them, and they temporarily credited the charge to my account. Goldman initially denied my claim that this was a fraudulent charge that I did not authorize and conveyed this to me. I asked Goldman for rationale behind why they denied covering my fraudulent charge and they provided information from the merchant, but this fails to show that I made the charge - I didn't and it was unauthorized. From what they told me, this transaction was not in person, and someone stole both my credit card info and personal information. I appealed this decision, and Goldman took a few months to investigate, however they reversed their decision, making me liable for the unauthorized charge notifying me of this decision on XX/XX/XXXX. They asked me for evidence that I didn't authorize the charge, but if the charge is unauthorized and fraudulent, how would I have evidence that it's a charge that I didn't make? That makes absolutely no sense. Upon that appeal, I'm writing to the CFPB. A credit card company should cover unauthorized and fraudulent charges on consumer accounts, and Goldman Sachs has failed to do this. They're asking me to prove the impossible, to prove that I didn't authorize a fraudulent charge - I fail to believe Goldman Sachs makes every customer that has fraudulent charges prove that they didn't make them. ( Dispute ID : XXXX )
|
| 09/02/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have my Goldmans Sacks Bank USA, website by marcus.com, online saving acct. opened for many years, no issues before. They don't have local branch office here near me.
But, back in earlier this XXXX, I found other banks have higher saving rate. So I wanted to transfer my money to the other online banks. I was able to login my GS bank online account ok with my correct login credentials. However, after I login, when I tried to do online money transfer to the other bank, keep getting the error message 'There is a technical error. Can't complete your transaction. Login back later. ' For 2 weeks, I kept logging in back for several times to access my online acct. correctly. But, keep getting the same error message to transfer out my money. I finally called their customer support and told them this online transfer issue. At the beginning they verified my acct. infor. But once they heard I wanted to transfer my money out. They made excuse to ask me additional my family infor. I told them they already verified my acct infor. Any additional family infor. is my privacy. They have no right to ask these. And suggest them if they want to ask additional questions, they can ask standard security questions like all other online banks use. I have no issue with all other online banks. But, they refused to do so. My transaction was still on hold even after calling them. I then sent them a letter by post office in later XXXX or earlier XXXX with my signature and correct address to request to close my this online acct. and send me a bank check of the remaining balance. I haven't heard back since then.
|
| 10/15/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
Good Afternoon, This complaint is about Apple store credit card. I've made one single purchase with his card, my XXXX XXXX back in XX/XX/2020. Since the first statement and payment i had trouble with them.
1. Costumer servile is no reliable. For each issue I had, I need to ask at least 3 times, to get a help and most of the times, the issue wasn't resolves.
I signed up for installment payments, but the first payment I had to pay taxes in full plus the amount of a monthly installment. It was charges twice. I paid and they also make a automatic payment. I went to web site to see my payments, we can not check or see scheduled payment. That leads you to make a 2 payments monthly.
Again the support wasn't helpful, making us, costumers look like a foul.
2. I had another issue when a monthly payment was made twice, in the middle of the pandemia, XX/XX/2020, have the very same trouble with costumer support, Apple credit cart /
Goldman Sachs. It also showed that I did not paid the card and show late payment. But I ha paid it twice. I have pictures of that. So I had to borrow money to make a 2 time payment to solved the problem. Right after that I transfered my balance from this credit card to another one. I waited about two months and I close the account. I get this account closed, i had to reach out to them five times, four through text message and one via phone call. Its unbelievable how miss managed and mis informed the costumer assitances are.
Attach all text messages with Apple and Goldman Sachs, starting XX/XX/2020 until XX/XX/2020.
Thank you for your attention.
XXXX XXXX XXXX
|
| 12/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
On XX/XX/19, I upgraded my working XXXX XXXX to an XXXX XXXX. I had an existing Apple Card, issued via XXXX, and used that as the form of payment. The card can only be accessed through the 'XXXX ' app on the phone and there is no other website to do so. Since this date, I have spent hours upon hours in attempts to get Apple to respond and correct an issue in which I have no access to this account. I can not verify the purchase made, I have no access to the daily cash back, I can not review and receive credit card statements, and I can not make a payment. In fact, the 'XXXX ' app indicates Account Services Are Unavailable, Please Try Again Later when I try to do so. I have allowed Apple to install keystroke app on this phone, they have accessed and shared the screen, and they acknowledge there is nothing that I have done to cause this and their solution is to call XXXX and payoff the phone. While it is really not the phone that is an issue but rather the inability to access my account, verify the charges, and make payments but Apple - in their partnership with XXXX - has advertised this Apple Card product as being entirely managed within the XXXX app though a technical issue prevents me from being able to even verify the account. From missed return calls to no response from their Engineering department to XXXX simply transferring me repeatedly back to Apple, I am stuck in the loop of an endless technical difficulty that will soon ruin my credit. They are unable to even provide me with a statement and neither can I even access my credit card number to provide you for this complaint.
|
| 07/05/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I've had an online savings account with Marcus by Goldman Sachs for several years. During that period, I changed my address and phone number, although continued to make deposits and receive communications from Marcus via the email address on the account. My balance in XXXX reached {$270000.00} plus, so for the first time I tried to withdraw some funds to stay under the FDIC insurance limit. At that point, Marcus froze my account, and I've been trying for weeks to get resolution. Because my old phone number and mailing address don't work, they seem unable to do anything to clear the lock on my account. ( I now live in XXXX, but their system can't deal with a XXXX phone number, and they won't do it through the email, even thought that's the only way they've every communicated with me, including all their required tax docs and notices ). After hours of dealing with Marcus customer service ( using that term loosely ), I asked that they go ahead and close my account and distribute the funds back to my XXXX and XXXX accounts from which I wired funds. They said they could do that, but have been unable to execute ; they keep telling me to call back in 1-2 business days, and I end up with new people who don't know anything and have to start over. I have reached out to every Marcus resource I can find, but I'm getting nowhere - so they're continuing to hold almost {$300000.00} of my funds and giving me absolutely no solution about how to get it. I'm baffled and shocked that a reputable company is behaving in this manner, and I need assistance in dealing with this short of filing a lawsuit.
|
| 01/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Older American |
|
On XX/XX/2022, XXXX, a subsidiary of Goldman Sachs, and the issuer of the XXXX Credit Card, allowed someone to submit an application and received approval for a Credit Card in my name, without my authorization. XXXX without my authorization obtained a copy of my personal credit file from, XXXX XXXX XXXX. After discovering the fraud, I contacted XXXX, who then contacted XXXX to confirm if an identity theft against me had been done. XXXX confirmed thru XXXX that the card was issued on a fraudulent basis subsequently removed any record on the account from my personal credit report, including the unauthorized inquiry XXXX made on my report.
I then contacted XXXX and was told that the account had been restricted, not closed but restricted pending their investigation. I provided them with a police report i filed with my local police department in XXXX, IL. After XXXX weeks, I received an e-mail from XXXX with my XXXX XXXX, with an outstanding balance of {$1900.00}. I then called XXXX and their representative told me the e-mail was sent in error. I asked them how this could happen when I'd been told that the account was restricted, and they responded that they did not know.
I'm writing to you because I'm concerned with how XXXX is handling this situation in a very cavalier way. I just read that the Federal Reserve Bank is investigation XXXX for lacks security in its consumer finance division and I believe their lack of follow thru when granting credit and or at a minimum verifying consumer financial information/credit applications allowed someone to obtain a credit card in my name.
|
| 08/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the credit bureaus and they are unwilling to help me and remove the soft inquiries. They claimed that the inquiries can not be removed, but you can remove them instead of the credit bureaus. I have never applied for an Apple Card credit card and have no interest applying for one in the future since this happened to me. Please remove these soft inquiries from my credit report from ALL credit bureaus. There may be more in your system but they all need to be removed as they are all fraudulent. I would like all my accounts closed permanently. I will decide whether I want to open them back up if I happen to want to apply sometime in the future which is very unlikely. I am not going to ask again to have them removed since this has continuously going on time and time again, and have been working with you and credit bureaus to get them removed for over a year now. Some of the inquiries are listed below.
APPLE CARDGS BANK Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX APPLE CARDGS BANK Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
|
| 07/14/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On Friday XX/XX/2020 i XXXX XXXX applied for a Apple Card backed up by Goldman Sachs Bank. During the application process i had to take pictures front and back of my driver license card. After i submitted the application i was given a notification message stating that someone from the application department had to speak to me over the phone. On Saturday XX/XX/2020 I called Goldman Sachs Bank to check on the application status and they told me that they attempted to call me to speak to me and i advice to them That I didnt received a call from them. They told me that they will attempt to call me again the next day. On Sunday XX/XX/2020 I gave them a call again to check the application status and they again told me that someone from the application department had called me. I again told them that no one from the application department had called me. I requested to speak to a supervisor and the supervisor advice me that she had spoken to someone from the application department and that they will call me again within 24 hours. On Monday XX/XX/2020. once again i didnt received a call from application department. On Tuesday XX/XX/2020. I received an email from Goldman Sachs Bank stating that my application was denied because they werent able to verify my identification. I am really angry at the situation because i didnt received a call from Goldman Sachs Bank application department so they can speak to me. Goldman Sachs Bank was claiming that I couldnt call the application department because they dont take inbound calls. My XXXX credit report was pulled and resulted in a hard inquiry.
|
| 10/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Transaction date is XX/XX/21 for the amount of {$1200.00} dollars and merchant is XX/XX/XXXX
The reason for this dispute is because i purchased an XXXX XXXX XXXX XXXX and was received a XXXX XXXX. I have tried to contact the merchant but they have a fake phone number online and numerus scam reports online. They do not reply to email as well as they only have robot replying.
This has been the most ridiculous dispute I have ever had in my life. The first dispute was submitted back in XX/XX/21 and it was denied due to " merchant has proof that i have made the purchase '' I called back apple and told them I have NEVER ever said that it was a fraudulent purchase. They reopened the case and it was denied under the same reason, so is the third time, finally the fourth time they changed a reason. They denied the case again due to " merchant has provided a credit '' I called XXXX again and the agent apologized to me and told me she just checked and no credit was provided by the merchant. She re-opened the case again. But i doubt this time it will be resolve so i have to complain here.
It feels like whoever is working on the dispute just check whatever reason they want. They didnt investigate thoroughly. Even the agent i talked to that help me open the dispute told me she is sorry and she has heard so many people got scammed by XXXX. But I am not resolving at my end and losing so much money getting scam because Goldem Sachs bank for XXXX can not protect me and they made decisions randomly.
I have a good credit, barely report for dispute and yet this is first time happening to me.
|
| 01/03/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
My name is XXXX. I am a XXXX at the XXXX XXXX of the University XXXX XXXX. I was born in XXXX and have filed tax returns for many years with my US issued Social Security number. I have had bank accounts at XXXX XXXX ( now XXXX ) and XXXX XXXX XXXX. Today, I tried opening a CD account with Marcus by Goldman Sachs on XX/XX/20, and my application was declined because their system could not verify my identity. I spoke with a supervisor named XXXX who proceeded to explain that Marcus will not take my money because its system can not prove that I am who I say I am. I provided my social security number and every other piece of information for which they asked, so I do not know how it is possible that my identity can not be authenticated. I offered to provide XXXX more information to prove my identity such as a scanned photo of my passport, driver 's license, and my current bank account information. She refused. I am very disappointed and have never come across an issue like this before : a bank rejects the money of a perfectly contributing, tax paying American citizen who is a student at one of the nation 's top universities. The fact that their system could not verify my identity in public or private records indicates that their system is either flawed or pulling information from the wrong records. In either case, it's detrimental to the consumer. My mother is a XXXX XXXX at one of the largest bank 's and was baffled by this situation. Marcus and Goldman Sachs need to review their policies and procedures and address situations that lead to ridiculous outcomes such as the one today.
|
| 06/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased a wig as advertised on the website on XX/XX/23. The website stated the wig would ship within 21 business days. On. XX/XX/23 I requested a refund due to the wig not shipping when promised. On XX/XX/23 a shipping label was created. On XX/XX/23 the wig was dropped off at the post office to ship to me after my request for a refund was ignored. On. XX/XX/23 I received a damaged wig. I immediately contacted XXXX XXXX via email and was ignored until XX/XX/23. A return shipping label was emailed to me. I placed the wig in the mail to be returned to XXXX. XXXX has confirmed the wig to be damaged and has confirmed that the wig has been delivered and is refusing to provide a refund. I initially disputed with apple and they closed the dispute advising that the money was refunded. After discovering that the funds were in fact not refunded they reopened the dispute. Forced me to wait 90 days only to close the dispute again saying the merchant did not provide a damaged item.
I provided them pictures of the damaged item. Proof that the item was returned to the merchant and proof that the merchant received the item and has refused to refund me. Apple/Goldman SACHS allegedly investigated but the merchant has not shown proof that I was provided with a refund after receiving the item back into their possession.
This experience has been THE WORST experience I have ever had with a bank and once this is resolved I will be closing this account for good. Unfortunately, I do not have {$600.00} to throw away because apple and Goldman Sachs does not want to do their job and due diligence.
|
| 11/20/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Account name is XXXX Bought a new apple computer under Goldman Sachs XXXX XXXX Apple 's XXXX % for XXXX months deal. Received the computer around XX/XX/XXXX. Problems with the computer, and Apple told me I needed to buy a better more expensive one. To buy the new one on Apple card, they told me I needed to add money to the Goldman Sachs account since I did not have a high enough limit.
Called Goldman Sachs, with the Apple rep on the phone on or around XX/XX/XXXX. Paid using ACH in that phone call.Here is that transaction record for {$3300.00} Posted Transactions XX/XX/XXXX APPLECARD GSBANK PAYMENT XXXX XXXX XXXX XXXX {$3300.00} Details Category : XXXX XXXX Credit Card Payments On or around XX/XX/XXXX, Apple had me return the laptop, and rebuy it using cash. Therefore, my entire {$5000.00} original balance became available to me, plus Goldman Sachs still held the additional {$3300.00}. I called Goldman Sachs on or around that same day. Goldman Sachs XXXX Apple Card call center ) promised that it was refunding me the {$3300.00}.
The money has not arrived. I called Goldman Sachs again today. They admitted that in fact they had not taken any action to return the money. They admitted that it is my money. Although there is no dispute, they said that they are initiating a " dispute '' and that the soonest they will return the money -- which they essentially borrowed from me for no reason -- is XXXX days from now.
At this point, they are holding my money that they admit is mine. That is stealing. I told them they are required to send my money back right now.
All the Best, XXXX
|
| 10/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Banks Involved - XXXX XXXX XXXX : XXXX XXXX, - XXXX : XXXX bank that works with XXXX XXXX XXXX to wire funds - Apple Savings : Goldman Sachs bank that works with XXXX I sold my companys stock through XXXX XXXX XXXX and started a wire transfer to my savings account ( Apple Savings, through Goldman Sachs ) Date of stock exercise : XX/XX/2023 Date of sent funds : XX/XX/2023 Amount : {$10000.00} I didnt realize that Apple Savings account didnt accept wire transfers, so I called Goldman Sachs XXXX XXXX them know that this was a mistake and to please reject the funds so it can go back to XXXX XXXX XXXX XXXX
I was notified by XXXX, multiples times, that their system automatically rejects any incoming wire transfers and that the funds shouldve been returned. They provided an IMAD number and that the funds went back to XXXX.
I called XXXX XXXX notify them about this auto rejection, and they started a recall funds process.
XXXX XXXX XXXX through XXXX has not been able to contact anyone at Goldman Sachs to prove that they have returned my funds. I call Goldman Sachs to investigate how I can prove that the funds have been returned and they say that they dont have a way or a team that XXXX XXXX XXXX can reach out and talk to directly.
The funds have no been returned and Goldman Sachs is refusing to help find the funds further because according to their XXXX theyve already done the investigation and theres nothing else they can do.
XXXX XXXX XXXX has provided me with a XXXX codes to prove that they sent out the money, but XXXX is refusing to help further investigate this matter.
|
| 11/16/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
In XXXX XXXX, four fraudulent EFTs were made from my MGS savings account to an unknown external account with which I had not authorized MGS to transact business. On XX/XX/2023, I notified MGS of the EFTs. MGS recognized the error, blocked my MGS account, provided me with a new account, and informed me that the funds, other than those subject to the fraud, would be immediately transferred to my new account for my use.
On XX/XX/XXXX, and thereafter until XX/XX/XXXX, MGS had reversed its position by inexplicably placing a hard hold on the new account and a freeze on the funds not subject to the fraud. From XX/XX/XXXX, until MGS was forced to act to correct its error on XX/XX/XXXX by the fortuitous intervention of senior Goldman Sachs management, MGS arbitrarily retained the hold and freeze of my new account, and made no substantive effort to conduct and complete an investigation within XXXX business days of the XX/XX/XXXX notice-of-error, notwithstanding the fact that MGS had all the information it needed to resolve the matter on XX/XX/XXXX and anytime thereafter.
Multiple similar complaints regarding MGS arbitrary holds on accounts and unreasonable delays in its EFT error investigations made to the Better Business Bureau, in the past XXXX months alone, demonstrate that my negative consumer experience is apparently only one example of an unlawful pattern and practice by MGS Fraud Department ( fraud ) in dealing with its customers, when EFT issues arise. I urge the COPB to open an investigation into MGS conduct about these alleged violations of consumer protection regulations.
|
| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have had my Apple Card for quite some time and was actually one of the founding members. Well, when COVID hit hard and I lost my job, I was actually 32 days late on a payment so I was hit with a late payment on my credit report which is a super negative thing to have on your report. I tried explaining to them that this was COVID-19 related and that I lost my job and had it pretty rough for an extended period of time AND the fact that I used their forbearance program for several months because my income was not sufficient enough to make the payments, but they do not seem to care about this and are unwilling to work with me in getting this late payment removed off my report as a one time courtesy. I had made initial contact right after noticing the late payment and a dispute was filed however it came back that the " information was accurate ''. I was never disputing this, so this was frustrating so upon talking again, this time to a supervisor, I had another claim filed and about one whole month later that was also rejected because the " information was accurate '' - It never actually goes anywhere. Since then I have mailed one goodwill letter that I never heard back from and today, sent another one via certified mail. So, I am reaching out in hopes that you guys can help me with this as I believe what is 'fair ' is that they remove the late payment just this once as I have assured them it will never ever happen again. I am embarrassed and a late payment is something I never ever wanted on my report.
Thank you for listening and taking the time to help everyone.
-XXXX XXXX
|
| 10/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Apple Card by Goldman Sachs has problems with supporting their system while protecting confidential information. I spent 1.5 hours speaking with multiple reps and supervisors about a charge for an online purchase by a family member that was rejected ( for security, I guess ) and I couldn't see nor could I fix even after they apparently approved the charge. After any hour of chat in which the agent didn't respond for more than 10-15 minutes at a time and never responded, I eventually asked for a supervisor. The supervisor then told me to call XXXX for technical support and then disconnected my chat. But of course, XXXX should never have access to my private financial information, so I objected but had to call Goldman 's customer service line since they disconnected the discussion. Despite talking with multiple supervisors, at the end of the XXXX hours, Gloldman Sach 's only customer tech options were to contact XXXX. This is crazy as XXXX should not be reviewing individual financial transactions in the Wallet nor should I have to share my confidential financial information with XXXX to get technical support. Hard to understand with such large financial services companies. While the charge eventually appeared the next day, no one has contacted me to explain or help so I can even figure out how to avoid the problem in the future. But sending me for customer service to an outside company and need to disclose confidential information seems more than inappropriate. If Goldman Sachs is offering the credit card, they should provide necessary support to protect my confidentiality.
|
| 04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
AS XX/XX/2023 THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM 3 CREDIT BUREAS.as of account XXXX XXXX apple XXXX XXXX the 3 credit bureas removed this fraud account, and then between XX/XX/2023 -- -- XX/XX/2023 this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as XXXX not mobile and not able to get better paying jobs due to bad credit and a car and home as well.
15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible!
thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!!
under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
|
| 06/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a credit card through XXXX XXXX Credit Card through XXXX XXXX opened XX/XX/2019 which was purchased by Goldman Sachs this year. I had payments set on autopay and was never late.
When the acquisition occurred it was not communicated to me by mail or email and the autopayments were shut off.
I received a notice that a payment was past due from this company I never opened an account with an had never done business with. Confused, I called them and they told us they acquired my XXXX XXXX XXXX Credit card and they didn't keep my autopay active, I immediately asked if this would affect my credit, they assured me it was not as it was a result of the acquisition and many customers had the same issue.
I set up autopay and made a payment the following month they didn't process the auto pay and we went through the same process of waiting on hold for 45+ minutes so I just paid the balance in full of more than {$4000.00} on XX/XX/XXXX to avoid dealing with the incompetence. Then, they reported me late and my credit score dropped by XXXX points as a result of their false report.
I have never had a late payment on this account or ANY account in the last XXXX YEARS of my life. I am BEYOND frustrated with this company, its 45 minute hold time, violations of federal law in both communications, payment and managing acquired customer accounts.
This business had legal obligations to communicate with its acquired customers regarding automatic payments and it failed to do so.
This business falsely reported a late payment adversely affecting my account in violation of the FCRA
|
| 05/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Goldman Sachs Bank USA is attempting to bully me into paying off a {$20000.00} loan I never took out by filing a lawsuit against me, as of XX/XX/XXXX. But Goldman Sachs had already recognized in XXXX that this was a case of theft of my identity.
Their debt collection authority, XXXX XXXX XXXX, first contacted my wife and myself on XXXX XX/XX/XXXX. We immediately telephoned them and gave their representative, XXXX, ample evidence that this was fraud, including the police report, filed on XX/XX/XXXX. XXXX assured us that he would tell Goldman Sachs that the debt was fraudulent, and that I was not to be held responsible for it.
I am a retiree and have lived in XXXX since XXXX ; until this time I have had a spotless credit record, and have no debts. The person who stole my identity ( name, birthdate, social security number ) lived in XXXX XXXX, where the loan was taken out, apparently on XX/XX/XXXX. I have never lived in OXXXX at any time, and have submitted ample evidence to Goldman Sachs to prove it.
Despite my strong evidence, Goldman Sachs has not taken any action to end their unjust suit, which leads us to believe that they wish to bring me to court just to force me to pay for a loan I never took out. I am extremely distressed that I have to exercise greater diligence to prove that I am a victim of identity theft than the plaintiffs exercised in handing out money to a conman.
I will attach the police report, the annotated letter from XXXX re. debt collection, and the document filing suit against me, which mentions the date and place where the loan was taken out.
|
| 11/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Apple Card for an unresolved dispute related to the non-delivery of a round-trip ticket. Despite providing evidence and acknowledging fault from the merchant, Apple Card has not addressed the issue.
Details : Date of disputed transaction : XX/XX/2023 Transaction Amount : {$830.00}, {$72.00}, {$72.00} Merchant : XXXX XXXX Brief Description of Dispute : Non-delivery of service, unjustified reasons from the merchant not to deliver the service.
Documentation Submitted : Attachment 1, Attachment 2 Attachment 1 : Email communication with the merchant admitting failure to deliver the service.
Attachment 2 : Response from Apple with untrue response from XXXX ( I contacted the company to change itinerary and they claimed that I did not ).
Attempts to Resolve : Multiple attempts to contact Apple Card have been unproductive, with insufficient responses. The merchant 's unjustified reasons for not being able to charge my card for flight changes remain unaddressed.
Apple Card 's Response : While Apple Card acknowledged receipt of the complaint and expressed understanding of the situation, no tangible steps have been taken to resolve the issue. The entire correspondence exchange indicates the merchant 's fault, yet the dispute persists.
Additional Issue : Furthermore, every time I attempt to contact Apple Card, I am subjected to excessive wait times, ranging from XXXX minutes to XXXX hour and XXXX minutes. This extended wait time adds further frustration to an already unresolved matter.
|
| 06/07/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
This complaint has repeatedly been submitted and Marcus Bank continues to lie to you.
I urge you to read their response to the first complaint XXXX XXXX XXXX Marcus bank agreed to close the account and send the funds back to the source of funds bank account and with that urged you to close the complaint.
You closed the complaint but they lied and never sent the funds back. In fact their own rep admitted to me that the account was closed but she has no idea where the funds went!!!! Might I suggest to an account of a bank employee???? We are talking XXXX XXXXXXXX here Now they are telling you some deceptive mumbo jumbo about the power of attorney not being acceptable for some unknown reason. What does that have to do with how many apples grow on an apple tree?
They already stated they were refunding the source bank account. There is no wiggle room there to play games with documentation not being acceptable or whatever legal eagle truth dodging defense they are using to try to dodge the fact that they did not do what they told you would be done in the original complaint.
I have taken this complaint to multiple agencies who all send me back to you as the regulator of that lame excuse for a bank. Do I really need to file a lawsuit to get them to follow through on what they specifically agreed to do in the original complaint?
Perhaps you can recommend a news media outlet that might be able to get the word out about the games this bank is playing and why the banking system itself is not on solid ground?
Would you please help me with these XXXX at Marcus Bank?
|
| 01/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Im deaf. I initially contracted with a debt consolidation company to negotiate with Marcus by Goldman Sachs for the payment of my debt with them. After months of collecting payments from me without paying Marcus, I decided to cancel the contract with that debt consolidation company. I contacted Marcus directly in XX/XX/2019 to resume paying my debt. We agreed on a payment plan based on hardship. I made the initial payment at that time. Then for some reasons, they started sending me email stating that it was an attempt to collect debt and there my account was charged off. I called them last week and they indicated that I didnt sign an email they sent last XXXX which I never received and that I didnt answer their phone calls. I found they were calling my text-only number instead of the phone number I gave them to call me through an interpeter for deaf. Ive tried to resolve them matter so that I can resume paying monthly, but they keep frustrating me by saying that they couldnt do anything about it and that my account was reported to credit bureaus as charged off. Based on my experience with their customer support representatives, they are not quite deaf-friendly. They dont keep notes because I keep repeating the same information without getting anywhere.
I would like to resume paying monthly based on the hardship agreement and that they stop making derogatory credit report. They need to live up to their obligations and allow customers to escalate complaints to their legal departments especially if they dont treat their deaf clients fairly in handling loan payments.
|
| 09/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Here 's how everything went down in order : XX/XX/2021 : A payment was made with my stolen Apple Card number, presumably from the XXXX XXXX data breach, to XXXX for an amount of {$83.00}.
Within the month of XXXX, I received XXXX different XXXX charges of {$83.00}. Apple and Goldman Sachs agreed to give credit for the fraudulent charges, all but that one charge of the same amount as the rest. As a result, I filed a dispute with Goldman Sachs and Apple and they agreed to give me provisional credit in the meantime.
On XX/XX/XXXX, XXXX and Goldman Sachs informed me by e-mail that XXXX has provided the sufficient amount of evidence that I willingly made the purchase, and closed the dispute. I subsequently reached out to a Goldman Sachs representative to reopen the dispute.
Today, XX/XX/XXXX, I received an e-mail from Apple and Goldman Sachs claiming that I did not provide additional evidence. I have not received any request contrary to what they said to provide any evidence. However on the conversation from XX/XX/XXXX, I provided sufficient evidence that these charges are fraudulent. There were multiple {$83.00} charges, all but one was singled out to be legitimate.
Attached is a screenshot of the multiple charges brought upon by this fraudulent activity to XXXX. These are all transactions of this same amount, most of these were already reviewed and resolved, some were declined due to the replaced card number ( after asking Apple to change the card number and not just the virtual one ), and the one that Apple and Goldman Sachs insisted was a legitimate charge.
|
| 09/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Goldman Sachs is not properly updating credit reports for their Apple MasterCard. I have been trying to have my report updated but have not been assisted by Goldman Sachs at all. My XXXX report shows a {$630.00} balance and {$3000.00} credit limit last reported on XX/XX/XXXX ( see attached ). It should show a {$0.00} balance and a {$4500.00} credit limit, Ive attached both my XXXX and XXXX statements to show I payed my balance prior to the statement being issued and bother have a {$0.00} balance. Also heir representatives are clearly not trained to understand reporting either. The first representative I spoke with there told me that I simply needed to wait longer - even though my statement had cycled and it should have been reported already. The second employee I spoke with ID # XXXX just stated she would submit a dispute with XXXX, which makes no sense because they are the reporter and as such would just report correctly, not dispute their own information. All she could offer after was to note they needed to do a better job reporting, to whom this note would go is unknown as again, they are the reporters ( see attached ). This is unacceptable. It is now XX/XX/XXXX and I've had to enter my second dispute with XXXX ( who botched the first dispute ) to get this updated as it is still wrong, previously I had to file a complaint with XXXX for a similar issue. Goldman Sachs needs to be updating with the credit bureaus every 30 days. By not regularly updating credit reports, it harms the credit of borrowers who have paid off balances and/or had credit limits increased.
|
| 12/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I was approved for an Apple Credit Card XXXX months ago ( XXXX of 2021 ). I have not been able to make one purchase on the credit card as of today, and we are in XXXX. I have contacted Goldman Sachs ( who runs the credit card service and support for my Apple Card ). I have called approximately 6-7 different times to try and resolve the problem. On every occasion, they have not been able to fix the problem because they have some sort of security or IT issue on my account. I have had the majority of customer service reps tell me that there is no timeline on when they will be able to fix the problem, but that I will receive emails on status of the ticket. I have not received a single email on status update. I have been promised by one manager that this issue was escalated to " high priority '' and that the issue would be fixed within the next week - this never happened, and I never got a callback or an email. I have worked through different tactics with customer service reps on the phone to try and fix the problem using Apple Pay app, attempting transactions, changing the card number, etc .... none of it has solved the problem. There is no urgency to fix the problem it seems like, no matter who I have spoken with. All of the calls have been recorded, and the company has documented notes on my issue when I have called for assistance. Despite working with different customer service reps to attempt to resolve the issue, I continue to be told I will have to wait for a team to solve the issue and send me an email... nearly XXXX months after I first activated the card.
|
| 04/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased an item for on XX/XX/21 for {$110.00} from a company named ledger. I wanted to return the item and reached out the vendor after receiving the product. I was advised the item needed be sent to XXXX for a refund within 14 days. I got a shipping quote that was about {$120.00}. I reached out the vendor and requested they provide me a XXXX address to return the product as it wasnt reasonable to pay more to return a product than it cost to purchase. They declined to provide a XXXX return address even though it was shipped to me from within the US. This company has an unreasonable return policy so I wasnt able to get my money back or return the item.
The terms of my card agreement with Apple/Goldman sach state that If I am dissatisfied with the product or service I may have the right not to pay I filed a dispute with my Apple Card/Goldman Sachs. They ended up siding with the vendor vs me from the dispute as I didnt return the product even though I provided them with the facts of the vendors return policy.
I disagree with their decision and have demand they either refund the {$110.00} plus any interest or use arbitration as outlined in the card agreement. They have refused to provide a credit or proceed with arbitration as outlined in the card agreement. Ive reached out them 3 times to no avail. I was even told by one rep in a chat that the card offered no consumer protections.
I would like to have the {$110.00} plus interest refund to me or proceed with a third part arbitration through JAMS at Goldman Sachs expense as outlined in the card agreement.
|
| 12/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Credit Card with Apple Card by Goldman Sachs Bank 1. Made {$700.00} payment on XX/XX/XXXX, which increased my available credit by {$700.00} 2. Called on XXXX to cancel {$700.00} payment as it was made from a closed checking account, available credit was decreased by {$700.00}.
3. On XX/XX/XXXX, adjustment made to my account by another {$700.00}, and lower my aviable credit again by {$700.00}.
4. Opened several disputes, and I was advised that {$700.00} adjustment was due to an actual money refund sent to my closed checking account ending XXXX and there is no error to my account and check with my bank for {$700.00} refund.
5. Went to XXXX XXXX XXXXXXXX to see if there is a refund of {$700.00} in my closed checking account and bank advised that because account was closed, refund of {$700.00} was sent back on XXXX to Goldman Sachs with ACH trace number XXXX.
6. Attached XXXX credit card statement under payment shows payment on XXXX for {$700.00} and then reveal on XXXX for {$700.00} but also under transaction on XX/XX/XXXX shows adjustment of {$700.00}. Meaning my account was lowered available balance by {$700.00} on XXXX and again on XX/XX/XXXX by {$700.00}. Goldman says because they refunded {$700.00} to my closed checking account which I provided to ACH trace XXXX that my Bank refunded back Goldman.
7. See attached response from Goldman about my dispute. I agree that they refunded {$700.00} to my closed checking account but the money was sent back to them ( ACH Trace provided ), so my account available balance should not be adjusted twice but just once.
|
| 11/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XXXX of XXXX, I was the victim of financial fraud facilitated primarily through my Apple card linked to my XXXX. Someone gained access to my card and rung up $ XXXX in charges.
Upon reporting fraud to apple, they locked down my XXXX account, which blocked me from accessing the Apple card, as the only way to see the card balance or make payments is through the apple wallet app, associated with the XXXX account.
I reported this fraud to Goldman Sachs, who services the account for Apple, and they were able to reverse the charges. Goldman Sachs then advised me in a call a few days later ( on a recorded line ) that the account balance was {$0.00} and the account was closed and there was nothing more I needed to do. My credit report was updated in XXXX to reflect this and the account is still showing as closed.
Now however, Goldman Sachs reporting a balance to the credit report and is continuing to charge interest on it, in contrast to what they already advised me and what they previously reported to the credit agencies.
I am now left in a situation where Goldman is trying to collect on a balance they previously told me was gone, charging me interest on that balance, and not providing normal avenues for payment. Goldman Sachs has been unwilling to provide me an account number, or any information on how I can access the account, and has left me with no way of resolving the issue.
As of now, in the month of XXXX, they have reported an increase to the balance of the account that is supposed to be closed and it is now negatively impacting my credit score.
|
| 08/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
No I am not requesting a balance letter, I have clearly stated Pursuant to 12 USC 1431 banks are not allowed to lend money Per the law I am requesting 15 U.S. Code 1692g - Validation of debts ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
If these are credits from my credit card why do you keep attempting to collect a payment? When I ask these questions directly to go with me to Goldman Sachs they were unable to give me an answer.
The representative XXXX supervisor at Goldman Sachs even Reminded at the end of the conversation to make sure I made payments to avoid interest charges and late fees All evidence is attached via photos to this case Along with my CFC complaint Along with the attorney general of New York and California
|
| 09/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On Tue XX/XX/XXXX I noticed a charge and filed a dispute with my credit card company for a charge of {$650.00} on XX/XX/2023 at XXXXXXXX XXXX made without my permission.
On XX/XX/XXXX I recieved notice my dispute had been denied as their had been no " evidence to substantiate my claim ''.
At XXXXXXXX XXXX I then moved to get further information on to what information was used to determine this dispute. I received a copy of the same email with the outcome of the dispute with no further information. I then requested further information from the associate at XXXX citing the policy of the company stating to the representative `You have the right to see the information we gathered to make this decision. To request a copy, please contact an Apple Card Specialist. I am requesting a copy " The associate then replied : " I see that we don't have a merchant response that we can resend to you. Do you wish to reassert the dispute? '' And at that point I reopened the dispute further adding clarity that the transaction was not made by me and I did not recieve the goods and services nor did I pick up the goods requested.
On XX/XX/XXXX I then received notice that my dispute had been denied and requested further information of the decision. I recieved no information even after this point. I then requested another appeal with further information regarding the goods not being received.
On XX/XX/XXXX I then received another notice that my dispute had been denied and then requested further information regarding the decision again not receiving any furhter information.
|
| 10/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
On XX/XX/2020 I placed an order for a new XXXX with XXXX. During the checkout process I was offered an XXXX XXXX XXXX for interest free financing. I decided to apply for this card during the purchase. I began the process on my personal phone ( but purchasing for my wife ) but during the trade in process, it seemed to want to trade MY device, not my wifes. To make this process easier, I switched to my wifes phone to complete the purchase and apply for the XXXX XXXX XXXX. I put all of MY information, had to send in pictures of MY drivers license, proved MY phone number, MY social security number, and Goldman Sachs ran MY credit. Nowhere during this entire process did it mention that I need to use MY device so it is linked to my XXXX ID and phone. After the purchase I noticed I could not add the card to my phone. I contacted Goldman Sachs who told me I was unable to add MY card to MY phone. It will forever only be accessible via the physical card or my wifes phone. They are not able to switch the email associated with the account! So now I have a credit card with a financing agreement in place for TWO YEARS before I can close the credit card, but I cant even see my bill for my credit card which reports to my credit report on my phone. Apparently there isnt any way to even pay your bill outside of the linked XXXX ID. How can this be legal? How is this right? What if I had used a public phone to complete the purchase without any warning from XXXX or Goldman Sachs that any random person would have full access to my credit card and account info, but not me.
|
| 10/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I had signed up for a home warranty on XX/XX/ which ended up being a scam, I replied to a letter sent to my house regarding my XXXX XXXX being expired. I paid monthly in the amount of {$310.00} for a total of {$3700.00}. The company cancelled my contract because I stopped paying because after further investigating the company myself and having difficulty actually utilizing the service ( I called for service and got nothing but automated responses ) and disputed the charges with Goldman Sachs as I used my Apple Card to make the payments. In the brochure I was sent from the conpany ( called XXXX XXXX XXXX ) it states if my account was cancelled by the company for any reason ( such as nonpayment ) I was entitled for a refund. The company refused, and Goldman Sachs also found in their favor, even though when I asked for the information they gathered to come to that conclusion they said the merchant did not respond. The merchant, XXXX XXXX XXXX, used a payment processing company called XXXX, which also would no refund me and said I had to go through the merchant. After Goldman Sachs did not find in my favor I disputed the results and again they found in the merchants favor. I contacted the Georgia consumer protection agency and filed a complaint and only then was I a able to get a refund from the merchant in the form of a mailed check. Goldman Sachs only gave me back 4 of the {$310.00} charges, totaling {$1200.00}, the remaining {$2500.00} was sent by check. Also after calling Goldman Sachs to see how they came to that conclusion I was hung up on twice.
|
| 12/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On XX/XX/2019 I applied for the new APPLE Card issued thru Goldman Sachs per an invitation email to do so. I was asked to fill out the info which was populated mostly by my XXXX and further asked to provide front and back photos of my valid drivers license which is Florida State issued just last month. After 24 hrs I received a notice to my identity could not be identified and resubmit my application with new Drivers License photos. Before doing so I contacted Apple who connected me with Goldman Sachs and over the course of 2 hrs via phone and help desk text messages I received conflicting explanations that my valid ID could and could not be used because it is a new Real ID compliant State issued license. After a manager insisted that I reapply and be extra careful to upload perfect photos I received the same notice that my ID could not be verified due and to resubmit my license photos again. Upon this happening again I went online and have determined that this has been an ongoing issue since at least XX/XX/2019 per Internet forums stating specifically that Apple and Goldman Sachs have been denying application approvals due to an inability to accept IDs compliant with the Real ID Act Federal Law. I believe this is unacceptable on 2 counts : 1 ) for not stating this know fact at the time of starting the application per its requirements ; 2 ) for further not being able to provide accurate internal assistance to customers and by only requesting customers repeat the task of uploading their IDs that States now issue and are compliant with Federal Law.
|
| 04/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Received a promotion for the Apple Card from Apple that if I signed up for a new card I would receive {$150.00} dollars if I spend {$1000.00} dollars in the first 90 days. If I clicked on the link provided. I applied and receive my credit line and bought a new Apple computer. I called about 20 days late and asked how the {$150.00} got applied and was told it should have all ready been applied but was not. The Goldman Sachs associate said she would open an investigation into it. It was the end of XXXX that I spoke with her. On XX/XX/XXXX I received a email stating that they need a copy on the email link to verify that I got that promotion. I called and talked to a Supervisor on the XXXX and stated that I did not keep the email. The promotion did not say or require you to save it. The supervisor said she did not know why they wanted it and would look in to it. On XX/XX/XXXX I received the same email again for verification that I signed up for the promotion. I called again and talked to a supervisor and she said I meet all the requirements and did not know why but she would have a manager call me. XX/XX/XXXX manager called and said unless I have the email link they would not help me. I deleted the email after I got approved for the card. It does not say anywhere in the promotion that I had to save the link. The manager said that the promotion is a good promotion but only with that link. Goldman Sachs refuses to help with any of this. Can you help or tell me what other course of action I have. Never have I ever had to save a link for a Promotion!!!!
|
| 11/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased an online course from XXXX over the phone from the owner on XX/XX/. I was told there was a 60 day money back guarantee.
I didnt receive any information regarding conditions on the guarantee.
I requested a refund on XX/XX/XXXX because i was not satisfied with the course. I requested a refund from the owner over the phone.
I was told a refund was not possible and would be given a credit in lieu. When attempting to use the credit I was denied and attempted to be upsold on another product.
At this point i disputed the charge and am insisting in a refund on XX/XX/.
On XX/XX/XXXX they requested additional information which I submitted but had issues replying to their email because the attachments were too large.
On XX/XX/XXXX The credit card company denied the dispute stating I agreed to the terms and conditions and reported the merchant said I never requested a refund nor went through their proper process.
On XX/XX/XXXX I spoke with the credit card company and re-submitted the evidence over chat where the owner confirmed a credit in lieu of a refund and also denying its usage.
Immediately on XX/XX/XXXX I recieved an email update stating the dispute was denied because " The evidence received shows that no credit is due because you agreed to the merchants terms and condition at the time of purchase '' which I did not.
If i was told there were conditions on the refund I would have never purchased the product. I do not want a credit I want a refund in full as was originally promised me when I decided to try the program.
|
| 04/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Ive had an Apple credit card which is connected with Goldman-Sachs for 3 years now, and every time that Ive made a payment its been processed within 24 hours. For over the past month now it has taken weeks to process a payment. Currently I have 3 payments that were made to them between XX/XX/XXXX - XXXX and will not be processed until the middle of XXXX! The amount of my money that they currently have on hold is over {$2300.00}.
I have contacted the company several times via text as they will not give me a phone number, and in every text conversation I am told one silly excuse after another for the reason for the holds. I have heard everything from I made the payment on a weekend to the payment was too large ( {$1000.00} and under ). These seem like ridiculous excuses, and it bothers me when I ask to speak to someone that they say someone will contact me in 10 - 14 days. It is incredibly troubling that I have to wait for a large company like Apple and Goldman-sachs to contact me in 10 -14 days. Also, without knowing when or who is calling me I may not even answer 10 days from now? Then what do I do? It all just seems very silly to me. Something is not right here.
I also dont understand how I'm expected to pay off a credit card each month when it takes more than two weeks to process a single payment. I would like an answer as to what is going on? Why is this happening all of a sudden?
I'm very worried that there is more going on in the background, then what they are telling me, which is little to nothing.
Thanks for your help!
XXXX XXXX
|
| 02/13/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
Purchased XXXX new Apple XXXX on XX/XX/2022 through Apple. They told me and advertised that it would be interest free for 2 years.The Financing was done through Goldman Sachs. When I received my first bill, it was really confusing. It also had a charge on there for {$410.00} which was not mine. As well as an interest charge of {$2.00}. I called Apple as well as Goldman Sachs. No one could explain my bill and how all the numbers, which are very confusing, to me. Spoke to many people at Goldman Sachs, as well as Apple. One would say that I should contact Apple and the other said that I should contact Goldman Sachs. It came to the point that I wrote a letter to XXXX XXXX XXXX XXXX XXXX XXXX. Got a call from XXXX at Apple and she has tried to correct and explain why the bill is so confusing and what the daily cash part of the bill means. My bill should be straight forward. The balace after my phone trade ins and the monthly payment, which it does not. Bought XXXX phones and after the trade ins my balance should be {$1300.00}. So my payments should be approximately {$58.00} per month for 24 months. Come to find out that they charge the sales tax outside of the total amount and it acrues interest. Which is something no one, Apple or Goldman Sachs ever told me. The bill is just very confusing and no one can explain it correctly. They seem to make you just through hoops about this daily cash thing. And I really dont understand that part at all. In the complaint you guys asked for the card ( account number ) I dont know it. It is not on the statement.
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| 07/31/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Can't close your account
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Web |
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On XX/XX/2023, I was locked out of my Marcus savings account. It said it was temporarily disabled and to call to have it available again. I called and a supervisor told me my account had been force-closed because of fraudulent activities. They would not specify what exactly after I asked. They said my account would go into review and then be closed with the money refunded back to me. The review would take 7-10 days they said.
I called back on XX/XX/2023. I asked for the progress on how my account review was going. The rep said the account had not been reviewed and is still in queue. I asked for an update on when the account would be reviewed and they said 2.5 weeks!! I requested the balance on my account which he told me. I asked for it in writing and he said he could not email but he could snail mail it. It has almost been a month and I have not received anything in writing. I did call two weeks later after that call and asked for an update they said the account is still yet to be reviewed. I asked if there is anything that can be done to get my money back asap and they said wait 7-10 business days for the review. They are holding my money and are not willing to transfer it back into my possession. This is very poor business practice. At the very least they can transfer my money back into the original account from which it came, fraud or not. They are being very vague on this process and very unprofessional on the phone including hanging up after 1hr call or constantly transferring you/putting you on hold to get to a different department.
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| 09/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes XXXX ( XXXX ) ( h ).
If you, Apple XXXX adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to XXXX ( XXXX ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal.
I am aware that you, Apple XXXX, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.
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| 08/07/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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My online-only Marcus savings account has been frozen for more than XXXX months ( since XXXX or XX/XX/2023 ) for unspecified reasons. I have been on XXXX lengthy telephone calls with customer service and another unidentified " department '' to try to address their concerns without success. I have answered all of their KYC questions ( name, password, XXXX, XXXX, " secret word, '' drivers license, etc. ). In early XXXX, Marcus requested and received a hard copy, notarized Affidavit of Identification. Still, my account remains frozen and I remain unable to access my funds. Whenever I call customer service, I'm told the unidentified department with whom I must speak is either closed or has a lengthy wait time. Last time, I requested a call-back, which was never received.
I am a XXXX XXXX XXXX. During my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As such, I appreciate and understand the importance of KYC procedures and OFAC requirements.
Having satisfied each and every one of Marcus ' requirements, however, I am at a complete loss as to why I remain unable to access my online account. If I depended on these funds to pay bills, I would be destitute by this time. Marcus has acted unreasonably, ostensibly in the name of investor protection. I should be granted immediate access to my funds and compensated for the inconvenience and delay they have caused. Thank you in advance for your assistance.
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| 10/13/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX I realized that someone had a Applecard issued by Goldman Sacks Bank and had attached my personal checking account number to that card issued to someone other than me. I phoned my bank ( holder of the checking account ), XXXX XXXX to inquire about the funds that were being taken out of my account. I told them I did not have an Applecard, we called Goldman Sacks the issuer of the card and reported fraud. My bank and I were both on the call and made a fraud claim with their fraud department. I spoke to XXXX in fraud who took all the information prevalent to the claim. She said someone from the Goldman Sachs bank would be contacting me within 7-10 business days. No one to this date has contacted me. When i followed up with Goldman Sachs bank, they had no record of my call. In the initial call, I specifically asked XXXX, the XXXX XXXX for the fraud department intake if there was a claim number or reference ID. XXXX told me at this time no, but someone would follow up with me. I have had no contact from Goldman Sacks Bank. I called again on XX/XX/XXXX and the representative said they could not find anything logged re my call. They responded ; " someone will follow up with you in 5-7 business days ''. I am out {$12000.00} in cash which was taken out of my bank account for charges that I did not make. An apple card was issued to a person, not me, and attached to my bank account. I do not know the apple card number but the person the card was issued to name is XXXX XXXX and the checking account it was attached to was XXXX XXXX XXXX.
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| 03/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I launched a dispute with a vendor, XXXX XXXX XXXX to be exact, in the amount of {$42.00} on XX/XX/2021 due to shipping issues with the order. After seeking a refund directly from the Company, I withdrew my dispute on XX/XX/2021. The Company acted in good faith and agreed to the dispute, which was still active on XX/XX/2021. On their end, they were able to agree to the dispute, thus notifying my bank that the {$42.00} in dispute should be returned as a credit to me. However, Goldman Sachs customer service misrepresented the status of this dispute on four overall occasions. Beginning on Friday XX/XX/XXXX, two different representatives told me unequivocally that the dispute was still active and I must wait 90 days. As the dispute was still active ( even though it was withdrawn two days prior ), that was how XXXX XXXX was able to agree to the standing dispute, which should have resulted in {$42.00} being returned to me as a credit/refund. Since then, I have escalated to issue through XXXX and filed a formal report against them for alleged mishandling and miscommunication about this entire situation beginning on XX/XX/2021. They continue to string me along with false reassurances that they will hopefully resolve the issue.
I have given them approximately a week to hopefully follow-through on my behalf, but it seems they have entirely dropped my case. As a consumer, I resorted to filing this report as a means of preserving my consumer rights, and giving me a sense of security that they will have to eventually respond and resolve the issue.
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| 03/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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I dont have exact dates, but my XXXX credit card account that was owned by XXXX XXXX, was recently sold to a Goldman Sachs credit company named Marcus. This is ongoing.
I have had the XXXX account over twenty years, maybe thirty, and I pay it off every month. I have only run a balance twice, as far as I can remember and I paid those off in two billing cycles on those occasions.
Marcus by Goldman Sachs decided they were going to take the monthly bill out of my checking account. I dont have a checking account and I want a paper bill mailed to me every month. I told them that. My credit card bill is the only bill I have and my mother sends a check for me.
I havent received a bill and apparently, because I wont pay a bill I havent seen, Marcus has frozen my card. Last Thursday they finally said they mailed me a bill. Never got it, called them today and now they say they mailed the bill on the XXXX, yesterday.
I am almost positive that this company doesnt want customers that settle their balance every month, but prefer customers that run debts month to month. That means Marcus is discriminating against people that pay there bills on time and in full. Im no lawyer, but that is also coercion. Marcus cant force me to give them access to my bank account or withhold their services because I pay my bills on time.
Ive contacted the XXXX XXXX XXXX about this and I hope, that if you see some wrong doings, you will look into it. At the least, I think you should make them aware of my complaint against them. Just that might put them on their toes.
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| 07/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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My personal information was exposed in 2017 XXXX data breach, which resulted in severe consequences due to identity theft and fraudulent activity on my credit report.
In XX/XX/2017, the XXXX data breach exposed my personal information, including but not limited to my name, Social Security number, address, and other sensitive details. Since then, I have been grappling with the distressing consequences of identity theft. Unidentified individuals maliciously misused my stolen information to open an APPLE CARD/GS BANK account without my consent or knowledge.Upon discovering this unauthorized APPLE CARD/GS BANK account on my credit report, resolving the issue proved to be an arduous and time-consuming process. I had to spend a considerable amount of time navigating the complexities of reporting the identity theft financial institutions, and credit bureaus, furthermore in my pursuit to remove the fraudulent account from my credit report, I incurred substantial financial expenses during this dispute process.Throughout this challenging ordeal, I have maintained records of all communications, expenses, and actions taken to rectify the identity theft and remove the fraudulent account from my credit report. Being a victim of identity theft has had a profound impact on my personal and financial well-being. The unauthorized account has caused undue stress, affected my creditworthiness, and disrupted my financial stability.
I hope the necessary steps are taken to correct the inaccuracies in my credit report resulting from the fraudulent activity.
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| 08/02/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
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|
Web |
Older American, Servicemember |
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Investment fraud + deception hinged on " Promotional Investment ''. ( XXXX incentive ) A check for a 90-day minimum investment amount ( XXXX ) was cashed on XXXX by the banking institution ( Goldman Sachs MARCUS ) . The check was submitted to the address provided by the bank. They couldn't corroborate receiving the funds despite bank 'roller ' numbers on the back of the check and deposit tracking numbers are indicative.. ( The bank clearly deposited the funds, It required nearly three months for the institution to track where " they '' deposited the funds. ) In the interim it took : 18+ hours of phone calls, 17 different customer service reps in 3 US states, 4 escalation reps, 5 supervisors, 4 fraud dept. specialists to net a {$25.00} XXXX XXXX ( The bank re-opened the account on their own volition ) and during the entire period " promises '' that the ( XXXX ) promotional incentive deposit would be executed providing the funds were not withdrawn.
At day ( 90 ) I requested the account be closed and funds returned. The bank said another 14-days would be required. On days ( 104 ) I REQUESTED the account be closed and they informed me " you didn't meet the deposit 'deadline ' of XXXX. We are not honoring the promotion deposit ( XXXX ). Then they indicated the issue was 'under revue '. We waited another ( 5 ) weeks and were informed that they notified me : " we are not compensating you the promotional ( XXXX ) incentive. They also ( Falsely ) stated : " we informed '' you of this. Cleary the latter " Informed '' is less than forthright.
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| 07/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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Web |
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I currently have an Apple Card, issued by Goldman Sachs. I have been an Apple Card holder since its inception, have never been late on payments, and pay my balance in full every month.
I received my XXXX statement, with a balance of {$940.00}. I made a payment of {$450.00} onXXXX XXXX. On XXXX XXXX, I made an additional payment of {$480.00}. Because of a glitch in their payment system, my first payment didn't show as processed. I normally receive an immediate notification and email that the payment was received, my card in the Apple XXXX goes white, and the payment button is no longer available. None of these things happened, so I submitted the payment again. The second time I submitted the payment all of the usual things happened ( notification, email, payment button unavailable ). About 15 minutes later I received an email that the first payment processed.
So, I paid a total of {$1400.00} for a {$940.00} statement balance.
I contacted Goldman Sachs immediately after receiving the email that the additional payment posted and was told that there was nothing they could do at that time, but that she would submit a claim to have it refunded. On XXXX XXXX I received an email stating that they had reviewed my refund request, but they were refusing to refund my {$480.00} overpayment.
I called their " customer service '' number to inquire about the email and have never received worse customer service from a credit card company -- they are horrible!
This theft by Goldman Sachs is unacceptable and should be illegal, if it isn't.
|
| 10/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
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On XX/XX/XXXX approximately, Goldman Sachs suspended my apple card for a fraud investigation. There is no identity theft on this account. I charge thousands of dollars per month and pay it in full every month without fail. This company will not provide a reason why, they won't give me any details. I have contacted their customer service several times, I have messaged fraud supervisors up to the VP on XXXX. No one will explain why ... this has created a massive inconvenience. You can't do business with apple if you don't have an apple card. I use it for my business, for personal, for my laptop, for my families phone installment plans etc. All of our services and recurring financial commitments have grinded to a halt. They mentioned something about identity theft when I called, but there is none. I have verified everything with them... REPEATEDLY.
This has become a pattern over the last month. My wife and I bought a house and have tried repeatedly to use the card at XXXX and they blocked those purchases for potential fraud? I called repeatedly and said, please stop it's me. It's not fraud. I bought a house ... can you stop please? They refuse. They tell me there is nothing they can do to stop the fraud prevention or what I call harassment.
This should be illegal? I'm forced to abandon XXXX completely or deal with the harassments from their fraud department. I do not deserve this. I have been a perfect customer. They refuse to help me when I call. Please help.
Note : they blocked my card number in the app. I can't provide it.
|
| 07/09/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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|
Web |
Older American |
|
this complaint is against XXXX XXXX ceo of apple and his company, apple.
i purchased with 2 credit cards an iphone at an apple store.the phone is beset with problems, doesn't ring when called and changes typed text messages in both english and XXXX and changes many of the words typed into other unintelligible words and makes the messages either extemely confusing or worse yet they can not be understood by the receiver.
i took this problem to the apple store where i had purchased the phone from the store manager ... the clerk " helped '' me putting out a minute of time and expertise with instructions that i carried out in front of her.she said both problems were fixed, i said thankyou and left.the situation was unchanged.i decided to return the phone and activate my broken screen, XXXX XXXX phone, that the only thing wrong with it was a broken screen from me dropping it on concrete ... .however it still worked.
after the XXXX store to activate and deactivate, i went to the apple store to return the phone.they accepted the phone, erased everything on i, t and gave me the two slips that are attached ... .they said " everythings done '', i said thanks and left ... that was in business hours before XXXX yesterday XXXX XXXX
today, there is no indication of a credit transaction pending on either credit card for the refund of credit..they have my phone and i have nothing except the slips of paper for a refund of the XXXX made junk product that violates all of california 's implied XXXX law regarding this disheartening transaction.
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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I filed for XXXX in XXXX, XXXX. My XXXX was XXXX in XXXX, XXXX. My balance with Apple Card - Goldman Sachs Bank USA was included in my XXXX
Since I've received my XXXX discharge Apple Card continues to report this account as open and derogatory to XXXX. It is only reporting as open on my XXXX credit report. All of my XXXX credit card accounts, including this one, are now closed. Continuing to report this account as open, when it is closed, is affecting my XXXX XXXX.
I contacted Apple Card in XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX - requesting an update to my XXXX credit report. Each time I was told my request had been escalated to a XXXX XXXX XXXX and would reflect with the next reporting at the end of the month. It is now XXXX, XXXX and this account is still reporting as open on my XXXX Credit report.
I have challenged this misreporting directly with XXXX in XXXX, XXXX and in XXXX, XXXX. Apple Card continues to verify back to XXXX that this information as accurate, and no changes have been made to my report.
Please note, Apple Card is accurately reporting that the card balance is {$0.00} and was included in my XXXX, HOWEVER they are still reporting the account as open. THIS ACCOUNT IS NOT OPEN AND IS NOT IN A DEROGATORY STATUS. IT IS CLOSED AND NEEDS TO BE REPORTED TO XXXX AS CLOSED. To reiterate, my issue is not how it is reported to XXXX or XXXX. The issue is solely with XXXX.
I am reaching out to CFPB for assistance with getting this corrected. If this is not resolved my next step will be to take legal action.
|
| 09/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I opened an Apple Card account in XXXX of XXXX, and I was assigned a paltry limit of {$250.00}. Since that time, I have used my card often, and every few days am forced to make a payment so I can free up available credit in order to use my card again.
After asking to have my initial limit reconsidered, Goldman Sachs told me I must wait 90 days before I can request an credit limit increase. Yesterday, I requested an increase, and was denied because a payment I made was recently returned unpaid.
The returned payments occurred on XX/XX/XXXX and XX/XX/XXXX. Neither payment was returned due to insufficient funds. The payment on XX/XX/XXXX was returned due to uncollected funds. A deposit I made the previous day was not made available until two days later. The funds were there, but they were inaccessible. The payment on XX/XX/XXXX was returned due to my account being frozen. Someone was able to obtain my debit card number, replicate my card and use it to withdraw funds at a non EMV atm. The bank froze my account to make sure no one obtained my account number to withdrawal funds. After it was confirmed that my account was secure, the account was unfrozen.
I have made a diligent effort to demonstrate to GS that I am capable and willing to make timely payments on my account in full so that in return, GS increases my credit limit so that I can use my card regularly without having to pay the balance every other day. Through no fault of my own, this effort has been handicapped.
My dob is XX/XX/XXXX. The last four of my SSN XXXX.
|
| 08/10/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
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Lock account without prior notice and lying to customer!!!
Following up with previous complaints.
The bank replied and said on XX/XX/XXXX they will close my account and transfer my money, but didn't receive my call backs on XX/XX/XXXX and XX/XX/XXXX so they can not proceed. However, this is not the truth.
The bank is lying. I did receive emails regarding calling back to the bank, and I called back.
On XX/XX/XXXX, someone claimed to be a supervisor refused to close my account and denied the fact that I have requested to change my address in my previous calls. However, on XX/XX/XXXX, I have requested to send XXXX to my new address. I told her I reached an agreement with the bank to close my account on XX/XX/XXXX, and I even agreed to the verbal statements of closing account. But she still rejected the facts.
XX/XX/XXXX, I called again, a XXXX in fraud department answered my call. XXXX refused to tell me anything regarding my account ( including when will the XXXX be sent out ) and also rejected to look into my issue. I made zero progress in this call too.
The bank is not resolving my issue as they said!!! I did call back but none of the people answered the phone proceeded to close my account, which is in the contrary to their replies. They are lying. I've attached my records of calling the bank on XX/XX/XXXX and XX/XX/XXXX.
I'm asking for a {$1000.00} compensation for the total XXXX hours I'm wasting on phone calls, my financial loss, and my mental suffering during the previous two months dealing with this bank.
|
| 05/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
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I have qualified for a {$100.00} bonus from Marcus Goldman Sachs.
I am being denied because I did not keep my complete funding balance of {$10000.00} in my online savings account ending in XXXX.
I DID keep the required amount ( {$10000.00} minimum + account balance at XXXX XXXX on enrollment date= {$0.00} ) as defined in https : //www.marcus.com/us/en/disclosure/savings-bonus-offer-details much longer than the required period. I spoke to marcus rep XXXX and marcus supervisor XXXX on a very lengthy recorder call XXXX case # XXXX. Though both repeatedly read to me, as I read to them directly from https : //www.marcus.com/us/en/disclosure/savings-bonus-offer-details " After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Account within 10 calendar days of enrollment ( the Funding Period ). The Account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ) must be maintained in your Account for 90 consecutive days from the end of the Funding Period. The Account balance is based on the starting current balance reflected on your account at XXXX XXXX ET the day you enroll. " They repeatedly agreed with me, on the recorded call, that there was NO WHERE in any document that there was a requirement of keeping the full deposit amount in the account. The requirement is clearly stated to be the starting current balance reflected on theaccount at XXXX XXXX ET the day of enrollment ( {$0.00} ) + a minimum of {$10000.00}.
I am requesting the {$100.00} bonus.
|
| 04/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
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On XX/XX/2022, I was browsing XXXX and was shown an advertisement for Apple Card by Goldman Sachs. The promotion was for a {$75.00} welcome bonus. I clicked the " Apply Now '' button, went through the application process, and was approved. On XX/XX/XXXX, I chatted with Apple/Goldman Sachs support who confirmed that I should receive the bonus. After meeting the requirements for the promotional offer, I chatted with Apple/Goldman Sachs support on XX/XX/XXXX. Support confirmed I should receive the bonus within 30 days. After seeing in online forums that many consumers had already received their welcome bonuses within 24 hours of meeting the requirements, I called Apple/Goldman Sachs to double check that I would be receiving the welcome bonus. The representative confirmed that I signed up in the correct time period and met all the terms for the welcome bonus but that for some reason, my account did not have the promotion applied. She said that the best way to resolve this would be to put in a dispute on my behalf for the {$75.00} welcome bonus, given that I clicked on the application through the advertisement and had met all the terms. This morning I received an email that the dispute had been denied for the reason that I had received 2 % cash back for a specific transaction. This however is not the nature of the dispute since we all agree that the cash back for various transactions is correct. The correct nature of the dispute is that I should receive the {$75.00} welcome bonus that I signed up for and met all the terms for.
|
| 08/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
Needed extensive plumbing repair. ( XXXX, MN ) XXXX XXXX XXXX encouraged us to apply in our home while he was there ( some repairs were already done ) ... and said we were approved. We were to activate loan online. Were not able to ... and advised to call Green Sky ( the loan company ). I have been calling all week, put on hold, transferred, to no avail, being told " a case was opened '' " it is in investigations '' XXXX, from Green Sky is supposed to call, has not yet. I have left several messages. His number is : XXXX, ext. XXXX. XXXX XXXX XXXX is angry that we have not " activated '' loan yet and advised me rudely to get it activated now or we don't get paid! We have 3 incomes in this house. My mom is the primary on the loan ( loan app XXXX XXXX..name XXXX XXXX ) She is XXXX she does not hear well o n the phone. They have not returned calls or taken me seriously at all. I do not know what the problem is. The work was to be in the XXXX XXXX range. We will have to cancel the rest of the work and pr0bably be charged more because it was a " bundle package. '' We can pay some on a credit card but would need a loan to complete the big job which is a necessary job.. I am stuck here waiting for a call that does not come with XXXX XXXX breathing down my neck AS IF IT IS MY FAULT!!!! Please help... .my phone number is XXXX. XXXX XXXX is my mother and she and I are living in the same home, as is my partner. The loan is in her name. I can not move forward or backward waiting for Green Sky to contact me and I have tried all week!!
|
| 11/20/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX, I opened a XXXX Savings Account, as part of the onboarding flow, I connected my XXXX XXXX XXXX account and transferred in XXXX dollars.
On XX/XX/XXXX I received two " change of address '' notices, alerting me that they had to correct the address I'd added when I signed up.
On XX/XX/XXXX I tried to log into my XXXX account, and saw that it was " Temporarily Locked ''. The website said to call in order to unlock it so I did. I gave all my identifying information, and they requested that they mail me an affadavit of identity, have it notarized, and then for me to mail it back to them. I'd asked them to just send me the money back, but they refused.
On XX/XX/XXXX, I called XXXX again as I still hadn't received a letter. They assured me that the form would take 7-10 business days to mail to me. I asked them what address they'd mailed the letter to and they confirmed they mailed it to my home address ( below, I describe how I was told something different by another agent ).
On XX/XX/XXXX, I called XXXX again as it had been 10 business days. I also noticed in my email that after my call on XX/XX/XXXX, I received an email saying my account had been closed ( even though my money was not returned to me ). I asked about this and received 0 information. I asked again about the letter they were supposed to send me, and they had said that they sent it to an address which was not my home address ( it was an address that did not exist, perhaps a result of them having the wrong address for me originally on file ).
|
| 06/29/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
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On XX/XX/2023 I called Marcus ( Goldman Sachs ) to close my savings account as I was leaving the country. The balance was {$230000.00} I was told it would take up to a few days to transfer the funds to my XXXX account. I called after a few days and was then told it would take up to XXXX working days. I called again on XX/XX/2023 and spoke to a supervisor. I had to repeat the entire process to close the account. I was told it would take up to another XXXX days to close the account, but they would try and expedite it. I was given a case number ( XXXX XXXX XXXX XXXX ). After XXXX days I still had not received the funds. I called Marcus again on XX/XX/2023 and spoke to a supervisor. I was simply told that it would be reviewed and someone would contact me in XXXX to XXXX days. I asked if I could speak to the supervisor 's supervisor and was told it would take XXXX to XXXX days for them to contact me. This has taken so long now that I have already relocated to XXXX and there is a small time window to speak with supervisor due to the time difference.
My money is still stuck in the Marcus account and there is no way to physically go into a branch to speak to someone. You can only call and continue to be told to wait a few more days. A simple request to close my account and transfer the funds to my XXXX account has taken XXXX weeks and I seem to be no closer to getting my money. The Marcus web site still says the funds are available to use, but when I try an online transfer I get an error message which tells me to call Marcus.
|
| 05/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I got an Apple Credit Card and an Apple Savings Account on XX/XX/XXXX. Over the next few days I transferred my savings from my XXXX XXXX to the Apple Savings account and started using the new Apple Card for some minor purchases together with a larger purchase of flights to XXXX for myself and my family.
On XX/XX/XXXX I was notified that my Apple Credit Card had been locked pending investigations. Shortly after my Apple Savings Account was also locked. I try reaching out to the Apple ( XXXX XXXX ) support to find out why my accounts have been locked and try to find ways to accelerate getting them unlocked. They are unwilling to tell me why this is happening and say that it will take 1-3 business days to get it resolved. All I should do is to be ready for them to call me. I ask if we can schedule a time to talk or for me to go to a physical office to resolve the issue. The are unable to accommodate any of that. I also get the impression that if I'm unable to answer the phone when they call this may get extended further.
On XX/XX/XXXX ( day XXXX ) I reach out again. At this point they go on to tell me that the standard handling time is 5-7 business days and that I need to continue waiting for them to get in touch.
This handling is simply unacceptable to me. Their locking down me economically and keeping me completely in the dark doesn't instill a sense of confidence in their institution. Just imagine this happening when you are out traveling or if this was your only card and you had a family to feed and take care of.
|
| 11/24/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Hello, On XX/XX/2021 I decided to purchase a camera lens from XXXX. I decided to use my Apple Card ( Globman Sachs Bank USA ) for that purchase. I contacted the customer service via text message and asked the agent a simple question : Me : If I purchase with XXXX, can I still get the zero interest rates using my apple card?
The Agent : When you purchase with your Apple Card, it WILL NOT charge you interest whatsoever.
Me : So ZERO interest?
Agent : Absolutely! You are right.
Then I received my next month 's statement, and it showed an Interest amount on it. I called to find out why is that happening to my account. They reviewed the text messages at their end. They apologized for the wrong information, and they waived the interest rate for that month and promised me to fix the issue, and they asked me to call every month and ask for the interest waive since it was their mistake MISLEADING their customer. I called the next month, and I was surprised that they wouldn't do anything about it. They promised me to take it to the next level, but they did nothing about it.
I called them repeatedly and just tried to get fair treatment since they gave the wrong information at the beginning but NO HOPE. They are charging me every month, and I had to change my payment plan and cut many things to satisfy their payments. They promised me to reach out with a different solution, but they did not.
All I am asking now is to get fair treatment for the Misleading and Wrong information they provided me and not helping me get it fixed.
|
| 06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Since XX/XX/2020 I have been attempting to settle a " debt '' with said Company to no avail. After sending ( via USPS Certified and Priority Mail ( Express ) many notices, affidavits and other correspondences including but not limited to demands for full verification ( s ) of " debt '', a full accounting of said " debt '', notice of default and estoppel and other private special trust deposit documents, to date I have not received any of my requested and demanded inquiries. After experiencing some personal hardship due to said Company 's negative reporting of said Estate, and said Company 's reluctance to submit documents, non-compliance, default, and non-response. The current hardships that are mostly due to the COVID-19 Pandemic Disaster and I not being able to mover forward financially due to the negative reporting by said Company, I was forced to settle said trust account in USD for the full amount of {$5700.00} from my bank whereas said Company 's representative stated that said charge-off would be removed and a letter showing payment of full amount would be emailed to my email, but never sent the email. I was then told to check my junk and spam mail for said email, but to no avail. As of today XX/XX/2020 there is no change to my score. I have exhausted my administrative remedy and will continue to do so in order to possibly file a claim against said Company and it's Agents and Assigns for their breach of a public trust, violation of possible State and Federal laws, as well as many other Constitutional Violations.
|
| 12/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX XXXX online request for refund system is not validating the ticket number leaving my only recourse as this option.
It looks like instead of canceling the return portion of my flight, the entire flight was canceled and then reissued, causing it to become non-refundable.
The new receipt explicitly lists that its a nonrefundable airfare.
The agent was able to do after getting assistance from the ticketing department because of an error code in the system that was showing a {$3300.00} change which didnt make sense but was corrected.
However, instead of getting refunded, the agent alerted me that it would be travel credit. I asked why it would be travel credit on a return flight that was booked at first-class rate, not upgraded, and the agent replied that it was booked as a non-refundable ticket. I was told this after the ticket was re-issued. After the exchange was done in the system.
Filed dispute with my credit card Apple/Goldman and its been over 30 days with no resolution. In fact, Apple/Goldman just sent me an email for more information. When I filed my claim I submitted a detailed XXXX page report of the entire transaction and interaction with XXXX XXXX representatives. If I had used XXXX XXXX this issuse would have been resolved in days, not weeks. I am not confident that my credit card issuer is looking out for me, their customer and instead going to find an avenue to side with the merchant ( XXXX XXXX ) when I have provided more than enough proof for the dispute to have been researched and resolved.
|
| 11/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
When Marcus first took over GM we did not know they were on autopay so we sent {$100.00} in on our first payment not knowing they were taking out the whole {$510.00} that was on the account when we found out we stopped payment on it and called them and told the well they put the {$510.00} back on my account. I had no problem with that then a week later they charged me 2 more times for the same {$510.00} making my bill {$1500.00} you can add up all my purchases and see what the amount charged to the card is we do not use it much. They did give me credit for one of the extra charges on there but not the other. I have talked to 2 supervisors and 2 Managers along with their service reps about this issue it has been going on for a couple of months now. And they all see the same thing that they have overcharged me and put in a dispute showing exactly where the overcharged me. But they keep coming back with the billing is correct and denying it. We also have a problem with there bill pay we sent a payment from our bank for $ XXXX and said it was delivered on the XXXX XXXX my payment not due until the XXXX of XXXX then i got a letter saying they received no payment and hit me with a late fee. My monthly payment is {$29.00} a month and the charged me {$91.00} Which I had to pay over the Phone this seems to be an ongoing issue with them and they are hitting people up to get late fees. I talked to one of the service reps and said she could not wave the fee even thogh my bank showed it delivered it 5 days before my bill was due.
|
| 02/04/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
On XX/XX/2020, Marcus by Goldman Sachs opened an account illegally online without my permission. The company used my name, birthdate, social security and opened an online Goldman Sachs savings account. I called the company on XX/XX/2020 and spoke to four different people regarding the fraudulent account. The names of the people XXXX, XXXX, XXXX and a specialist in the Fraud Department. I told them that a false, online savings account was opened in my name and I was upset that they would do this without actually doing some investigative work regarding the person being a robot, a thief or an actual, qualifying person. I was told that it doesn't take any money to open up an account and that is how most banks do their banking. I mentioned that all three credit monitoring companies have been frozen for several years and I also have XXXX which when checked tells the banks of any identify theft problems regarding the account. After talking to several representatives of Marcus by Goldman Sachs, they said they will investigate and close the account. I am very wary that this account may not be closed and that is why I am submitting this complaint. What bothers me about banks letting accounts to be opened, they send a statement that you will be held responsible for this account, even though you did not open it. It takes the online person minutes to open and it takes me days or weeks to close these accounts. The rules of the system must change and the banks seem to be indifferent regarding this and do whatever they want to do.
|
| 09/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I had several fraudulent charges show up on my Apple Card including charges from international retailers. I contacted Apple Card support about the fraudulent charges and they provided a provisional credit while they investigated. XXXX of the charges they were investigating were for XXXX. Following their investigation, XXXX of the disputes was decided in my favor. However, the second one was not decided in my favor. I asked why it was not decided in my favor and they claimed that it was because I already received a credit for the charge on the other dispute and believed it was the same charge. However, the charges were for XXXX different amounts and I did not make either charge. Furthermore, I never heard of XXXX so I googled it and the website appears to be fraudulent. I tried to contact them via their email they had posted but never received a response. I appealed their decision and provided proof that they were XXXX separate charges for XXXX different amounts but they decided in the merchants favor again. I tried to dispute it again and they say it can not be disputed again. However, I did not make a purchase at XXXX for {$1000.00} and should not have to pay for a charge I am not responsible for. Especially such a large fraudulent charge.
The charge was initially made on XX/XX/XXXX and was disputed through the card company and appealed. On Monday XX/XX/XXXX, they decided the appeal in the merchants favor but I never made the charge. Apple Card also refused to provide any information on why the dispute was denied.
|
| 05/03/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I initiated a {$7000.00} withdrawal to my external account on XXXX. I was given no indication that there was a problem with this transaction. On XXXX I chatted with Goldman to inquire as to why the transactions was still " pending. '' I was advised that it had been " flagged '' and I needed to call in. I was never advised via email, call, text, etc. that this transaction was never going to actually go through and I have been waiting blindly for a week for access to my funds in my external account.
I called customer service at XXXX three times on XXXX After speaking with the initial agent, I was told that I needed to " verify '' the transaction and that I would be transferred to that team. All three times, I was never spoken to again after being transferred and each call I sat on hold 1.5 to 2 hours with no acknowledgement.
On the third call, I advised the initial agent that I would just like the transaction cancelled at this point so the hold on my funds would be released and I could just initiate the transfer from my external bank instead. I was told they can not help with that and placed in to the same call queue even though I advised her I would be filing this CFPB complaint if the same thing happened again, which it did. They seem to either just not care or the first line agents are not provided sufficient internal training to understand what that means.
At this point I have no access to my funds and no ability to speak to anyone about it to solve the problem since there are no agents accepting the call.
|
| 04/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX Goldman Sachs Bank Usa Reported on my account as a collection. Goldman Sachs Bank Usa XXXX XXXX credit report that this account was opened XX/XX/XXXX .Goldman XXXX Bank XXXX XXXX a derogatory mark on my credit report. Per credit Karma, Identity Iq, and Score Sense. Upon further research, this account was marked as charged off. I have not received any verification from Goldman Sachs Bank Usa except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA Goldman Sachs Bank Usa has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
On XX/XX/XXXX XXXX XXXX XXXX on my account as a collection. XXXX XXXX states per credit report that this account was opened XX/XX/XXXX XXXX XXXX added a derogatory mark on my credit report. Per credit Karma, Identity Iq, and Score Sense. Upon further research, this account was marked as charged off. I have not received any verification from XXXX XXXX except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Date of Letter : XX/XX/2023 Attention Dispute and Complaint Departments of : Consumer Financial Protection Bureau Apple Card/GS Bank USA/Goldman Sachs XXXX XXXX XXXX XXXX XXXX Dispute of Unauthorized Charges That Were Not Made on My Physical Card With Apple Card/GS Bank USA/Goldman Sachs Resulting in Negative Mark on My Credit Bureau Report Refusal of the Bureaus Willing to Delete The Negative Mark Despite Reversal of Charges That Were Found in My Favor Due to Fraud Dear Supervisors and Those in Charge of Complaints, Earlier this month I contacted customer service of the Apple Card via telephone after I was notified by XXXX XXXX that there was a negative mark/report added to my almost perfect credit due to a supposed late payment of 30+ days. Upon calling Apple customer service, it was discovered that charges for several months were made not on my physical card but digitally perhaps from Apple phones I donated. Therefore they reversed over {$700.00} in charges which obviously would not have made me late on a payment. However, the credit bureaus are still keeping the late payment report on my credit and worse yet, its not scheduled to be deleted until XXXX. Thats ridiculous! My credit score was over XXXX prior to this incident that was not of my doing. Apple Card now owes me a check of {$720.00} due to all of these fraudulent charges. Therefore, I am demanding that these negative 30 day late reports be taken off all three credit bureau reports, which are greatly affecting my credit score of near perfect.
XXXX XXXX
|
| 10/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
Two fraudulent charges on my " Marcus '' credit card, totaling {$1100.00}. Have been attempting since XX/XX/2022 to get Marcus to " refund/reimburse '' these charges to my credit card UNSUCCESSFULLY! The Fair Credit Billing Act proscribes that Credit Card Companies MUST refund all fraudulent money charged/stolen against the victim except for {$50.00}. Marus by Goldman Sachs REFUSES to refund these fraudulent charges against my credit card. A XXXX XXXX employee " over-charged '' my card with two separate line charges over and above the " true cost '' of the ticket. XXXX XXXX did refund the cost of the ticket ; however, XXXX XXXX refuses to refund the other two fraudulent charges totaling {$1100.00} stolen by their employee. XXXX XXXX sent to me an email saying these additional charges by their employee is " Fraud '', but, refuses to refund my money. Marucs refuses to reimburse me for this fraud as well.
I have documented evidence I wish to upload to my complaint substantiating my assertions above. I desperately need your help. A crime was perpetrated against me- I was robbed by a XXXX XXXX XXXX, which XXXX XXXX gave him the XXXX & XXXX to perpetrate this crime of theft against me, yet they refuse to refund the " Entire '' amount charged against my Card by XXXX XXXX.
Marucs by Goldman Sachs refuses to recognize their legal obligation, as required by the " Fair Credit Billing Act '' to me as a client and credit card user and reimburse me/refund me for the {$1100.00} I was " Defrauded '' by the XXXX XXXX XXXX XXXX
|
| 03/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
XX/XX/XXXX I applied for an Apple Card through an article found on appleinsider.com and it stated that I would be able to receive {$75.00} in XXXX XXXX by clicking their referral link, creating a card and making a purchase within 30 days. Given the incentives I made an account and I have noticed that I did not receive the credit after making a purchase and when I called the customer support they continued to deny my claims and insisted that I did not qualify due to terms and conditions that I did not follow, such as that I applied for the card before the offer became available. After being transferred to XXXX different representatives, they changed the rhetoric saying that I simply didn't qualify for the credit, which didn't make any sense as my family all applied on the same day as I have, while adhering to the same rules and conditions and they were able to receive their {$75.00} in XXXX XXXX. After an unsuccessful resolution I received a follow up email, stating almost the same thing as mentioned on the phone however the email now states that I needed to receive the offer directly through an email they would send me as well as " spend ( ing ) {$75.00} or more in total on the new Apple Card account within 30 days of opening '', It also states that I needed to apply for the card between XX/XX/XXXX - XX/XX/XXXX. None of these terms and conditions were stated anywhere in the referral link to the Apple Card application and when I revisited the exact page on Apple 's website these kinds of information remain missing.
|
| 03/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I have an online saving account with Goldman Sachs XXXX. I initiated a transfer out from XXXX account to a linked external account to fund a recent purchase yesterday ( XX/XX/22 ). Today I suddenly got an email saying the account was locked and I needed to call CSR. I called and was transferred to a fraud department after a long on hold time. I was told I need to go through identity verification and some form will be sent to me in mail in 7-10 business days. And I need to notarize the form and send back and wait another 3-5 business days to wait for a decision if the form will be approved and then I will be contacted to discuss next steps. I could not fathom why I would lose access to my funds for a good month of time. When I asked the fraud department how the form will be decided if the form can be approved and why I cant get the form the next day to speed things up. The answer was I dont know and I cant tell you more information. This is totally ridiculous to me. I didnt have trouble transfer funds in or open the account. And simply to lose access to my account for a month and not knowing if a fraudster is trying to access my account is totally unacceptable. There is surely a way to get me the form within a day and tell me exact steps that will need to happen to regain access as soon as possible within days. It makes me very uneasy to not knowing whats happening to my money and the casual attitude of the fraud department staff with I dont know answer to whats happening to my life saving is really frustrating.
|
| 01/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
This is ONLY regarding the virtual cards, physical cards are perfectly fine.
I can not view my virtual cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have troubleshooted to the most advance level. I called in 3 months ago, supervisors told me it was a technology issue that other clients also experience, so they submitted multiple tech department tickets to have it solved. Now, 2 days ago, I called in, and forcefully asked what was going on and they told me the internal department needs to review my virtual card accounts before I could view and use the virtual cards they provided. Every department whether on chat or the phone is, transferring me to another department or gives me the wrong information ( misleading too, because one agent can say the previous agent 's answer was totally wrong ). I just want to view my virtual cards. As stated by the phone calls 2-3 months ago, stating it was just a technology issue and will be fixed timely, to now my virtual cards needing review by the " internal department '' and wait for their call which never seems to come or have an exact date seems highly unprofessional by Goldman Sachs XXXX In a gist, one department says it will be fine in 24 hours with an ID verification, another says they will submit a tech issue, and another says the internal department will handle this issue with NO time frame provided and in a rude manner too. I am currently on the phone and chat too, too no surprise, I am being transferred to another department yet again on both communication lines.
|
| 05/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
I have had issues with Goldman Sachs / Apple Card timely crediting payments for my last two statement cycles. I pay this account via my credit union 's billpayer service, provided by XXXX, and two months in a row Goldman Sachs has not timely credited my payments. This is not an issue with any other company I do business with and was not an issue with Goldman Sachs until recently.
The XXXX payment was scheduled for XX/XX/XXXX, the due date on the statement, and did not post until XXXX, resulting in an interest charge I should not have been assessed as the statement balance was paid in full. In this instance, Goldman Sachs backdated the payment to XX/XX/XXXX and credited me the interest charges, without my asking them to do so. With the latest episode, I scheduled a payment for the full statement balance on XX/XX/XXXX, which was also before the due date of XX/XX/XXXX, and they did not credit it until XXXX. They refuse to reverse the interest charges for this " late '' payment. They have refunded {$25.00} and say that is all they can do. They can not explain why this payment was not backdated as happened in the previous month, or why they are posting these payments late.
They are continuing to accrue interest on my account, despite it being paid on time and in full. Today I received an e-mail saying they have closed my investigation and will not be refunding the interest charges. I have submitted a Fair Credit Billing Act dispute, via postal mail, and they have not replied to that dispute as of this writing.
|
| 06/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
Filed for bankruptcy in XX/XX/2022. Was granted a complete discharge of debt in XX/XX/2022. Eight months later, a whopping 240 days after the discharge, I am still met with problems with Apple/Goldman Sachs . I originally had a card with them, that has been closed for over a year now. My bankruptcy discharged my debt with them, and the subsequently, the account was closed. After trying on three separate ocassions to rebuild my credit and apply for a new card, they refuse to accept or provide a decision on the application because I have an existing/open account with them. This is extremely predatory and violates discrimination laws. They purposely wont accept my application because my debt was discharged with them, and they are annoyed that they can not harass me about it anymore. I have been working very hard to be responsible with my spending, and attempt to fix my credit. No matter what I do, how long I wait, or who I talk to, Apple/Goldman Sachs says there is nothing they can do, despite Apple employees named XXXX XXXX and XXXX XXXX XXXX who insisted that they would fix the problem, but they havent. This is a never-ending problem that can simply be fixed, which would be to allow my applications for credit to be processed normally ( like everyone else ) but they refuse to let me sign up for another account ever again. Barring me from the application process based on my financial status is a violation of federal law, and I will take immediate legal action, should this not be addressed and solved. Thank you.
|
| 01/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I applied for the GM card with XXXX by Goldman Sachs in XX/XX/2022 about 10 times at their request because they kept saying they couldn't verify my identity. Each time I applied I had to upload my Identification... I submitted my Passport and Driver license on multiple occasions and kept coming back cant approve because we cant verify your Identity. When I would call to ascertain what the problem was the customer service reps would always say we don't know what the problem is just try again. Now it seems like their using some third party company to verify identity but they refuse give me their information. If I uploaded different Identification 10 times for this card and their saying they cant verify my identity that's a problem and I'm entitled to know the source of this inaccurate information!!! I don't feel comfortable with my personal identification being uploaded into someone database and their saying they cant Identify me. This is unacceptable!!! I have credit cards with different banks and have never experience this treatment of we cant approve you because we cant verify your identity when you have my Passport and DL uploaded in your database. No company should ask people to keep applying and not try to rectify the problem. The last person I spoke to was a XXXX and her supervisor and he just stated I cant give out any information pertaining to this matter. Very nasty and wouldn't help me rectify the situation so I could be approved. I'm entitled to know whose reporting inaccurate information on me!!!
|
| 01/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XXXX XXXX, XXXX I purchased a blue XXXX XXXX ( XXXX XXXX ) for my daughter 's XXXX present. When doing so I opted to sign up for the apple card. Everything was great.
On the day of delivery I get a notice saying the driver attempted to deliver the product but no one was home. I was home and have ring video surveillance on my home and can prove no car ever approached my home or address this day. So the product was returned to the store. I then called XXXX to see if I could go into the store and pick up my product. They told me that I couldn't and would have to follow the instructions provided to me which were to wait and the money would be refunded in N days.
I believe XXXX never had the XXXX in store or if they did it was sold to an in store customer. They should have better control of their inventory especially since this was the carrot used to open this Apple Card account.
Either way I was going to get a refund so I didn't care. Then the other day I get an invoice for my Apple Card saying I had about a {$27.00} balance. So today Monday XX/XX/XXXX - I called Apple Card up and found out that XXXX did credit the money back to an account but it was my XXXX XXXX account and not my Apple Card account ( the one I used for this transaction ) I was never provided a choice of how I wanted these funds back and by providing them on a different card they left me open to incur purchase charges. There is also an additional {$4.00} charge on my account they are unable to tell me where the charge came from.ff
|
| 06/21/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposited {$11000.00} on XX/XX/XXXX and was not warned my funds would be held. I chatted in yesterday and was told it couldnt be released, and my funds would be held until XX/XX/23. When I asked to speak to a supervisor I was told I had to call in Super inconvenient to switch contact channels but whatever. The supervisor I spoke with stated that even though she could see that my funds were verified and received by Marcus by GS from the transferring institution, my funds would be held anyway. Typically banks hold funds for 1-3 business days but to hold them for 6-7 business days?? Its absolutely ridiculous! Especially since Ive transferred amounts much larger than this from the same transferring bank!! Nothing has changed from the transferring bank into this account, Ive NEVER had any deposit return, and this account has been open for over a year! I do not see the justification for holding these funds. I only intended to hold the funds there temporarily until I could plan what I needed to do with the funds.
I need these funds released so that I can pay off my car. Each day that goes by with Marcus by GS holding my funds is another day interest is accruing. Does Marcus by GS intend to pay for the accrued interest due to the unjustified hold??
Never once was I told there would be a hold until I actually hit transfer and it was completed. Had I know it would be held I never wouldve transferred it to this shady company.
I need my money ASAP and I ABSOLUTELY WILL be terminating my relationships with GS.
|
| 08/10/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
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Web |
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*I attempted to open a CD online with Marcus by Goldman Sachs .
*Their computer system failed and I had to complete opening the account with a representative.
* I was told that their tech team will look into why their system was failing and that I MAY have online access in about a month.
* I received hard copy forms to complete in the mail about a week later including the backup withholding statement.
* The forms were mailed back the in the Marcus provided envelope the next day XX/XX/XXXX.
* On XXXX I receive a statement on the account in the mail that showed a withdrawal for backup withholding.
* I am told that yes backup withholding as they do not have the backup withholding statement that that was mailed over a week ago.
* I offered to complete another form or send a copy if they would like to send overnight mailing instructions.
* I was told that they do not do overnight for their customers etc., that someone from customer care would call me 1 to 2 days and by the way in another 10 days the backup withholding becomes non reversible.
So I have spent 4 hours on my time trying to open and correctly post my {$250000.00} CD. Their computer system has failed, there is no urgency for them to fix it, the backup withholding form has had plenty of time to get to their OFFICE but someone would need to be working in the OFFICE to open the mail. They set a deadline for non reversal of the backup withholding and do nothing to accommodate the customer to offset their computer and administrative failures.
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| 07/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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- I purchased an Apple device financed through the Apple Cards finance plan. Apple 's pricing on the device changed after their annual conference, and as my order had not yet shipped, I sought to cancel and re-order the device at the new price.
- Apple 's support told me that they had no way to cancel the order, but ensured me that I could immediately return the device upon receipt and receive a refund- I shipped the device back to Apple and received confirmation of delivery on XX/XX/XXXX ( from XXXX, signed for by Apple warehouse employee ) - I have since contacted Apple several times to follow up to get confirmation of receiving the device and told that my return is being processed. I have been promised it is, but still have not received credit on my account after over 1.5 months since Apple received the device back.
- My credit score has been impacted by Apple failing to refund me in a timely manner ( due to credit overutilization outside of my control ), and my Apple card has been unusable for over 2 weeks, as my card is showing as having no available credit, despite me having fully payed off the card balance, installment balances on all Apple financed devices, and Goldman Sachs applying a provisional balance after I raised an additional dispute- I am currently looking to move apartments and this unexpected credit hit is adding additional injury on top of the amount of time and effort I have sank into following up on the issue, as I am losing out on apartment bids in a competitive rental market
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| 10/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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XX/XX/2019 XXXX XXXX XXXX On Sunday XX/XX/2019 I am purchasing a pants through XXXX XXXX XXXX online and my XXXX XXXX XXXX didn't went through. I tried twice and I can not purchase anything by using the provided Credit Card Number to my XXXX XXXX. I decided to contact them through chat and they were asking all information regarding about my XXXX XXXX XXXX. They were asking also for a Bank Statements which I provided. However, I didn't noticed that it was only under my spouse name. I explained it to them through chat that we just recently moved to a new address and we didn't fixed it yet. I sent another Bank Statement which is only under my name.They replied and says Thank you for the information. After few minutes I received email from them and they closed my account. I called them and I spoke to different agent until I spoke to the supervisor on duty because I demand an answer to why they closed my account. Even the supervisor told me that she can not give me an answer to why they closed my account. I told her about the email I received that stating " Your XXXX XXXX account has been closed because : Failure to comply with the terms of the card member agreement or rewards agreement ''. I asked the supervisor what was the failure? ans she told me that is not a question that I can not give you an answer. I believe that being a Card Holder I do have the right to know what was the reasons why they closed my account. I just asked a simple question that ended up closing my account without no reasons at all.
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| 09/27/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I represent an account holder as power of attorney. Marcus by Goldman Sachs locked the account holders account access based on a fraud flag and has refused for more than six weeks to unlock the account. Every time I call, they either ask for more information or say that a supervisor will call me back, but a supervisor has never called me to date despite multiple requests.
I provided Power of Attorney documentation to Marcus so that I could assist with getting access to her money restored. In early XX/XX/2023, I contacted Marcus customer service on her behalf. I was told that the Power of Attorney documentation could take up to 30 days to process and instructed to call back later. I called back again the following week and was told to call back in a few business days to allow additional time for processing. I called back again on XX/XX/XXXX. After initially being told that my Power of Attorney documentation was not received, I was finally told that it was, in fact, received and was being processed. I was promised that a supervisor would call me within three business days. That did not occur. I called back on XX/XX/XXXX and spent more than an hour on the phone. I was told for the first time that Marcus would need to speak with the account holder, but she is incapacitated. I was then told for the first time that Marcus would need a physician note to accept the POA. That, of course, is not how POA law works and has never been requested of me by any other financial institution in my time serving as POA.
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| 05/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I applied for a line of credit with Greensky Financing while my house was under construction through one of their vendors, a heating and cooling company named XXXX XXXX XXXX XXXX. I was told that I was approved for a line of credit from the office manager with Triple A, but no documentation was given. Before the work was completed XXXX XXXX wanted payment for services, and wanted to use the line of credit with Greensky. I told XXXX XXXX that I wasn't planning on using the line of credit to pay for their services, and had not received a final bill because the work was not complete. About a month and a half later I received an invoice in the mail from Greensky for {$14000.00}. I immediately contacted Greensky about the invoice, and was told that I had authorized a transaction for {$14000.00}. After several phone calls with a rep from Greensky I finally received a copy of my " signed '' authorization letter. This was the first time I had seen this document. I had not signed it, and it was forged. It was forged so badly that my name was misspelled. After telling Greensky this document had been forged I was told that XXXX XXXX was no longer a vendor with Greensky, but I was still liable for the {$14000.00} because I had voice authorized the transaction. I had never agreed to this, and the only thing that I had said was that I was aware that I had been approved.
I just became aware of the multiple cases of fraud against Greensky Financing that the Consumer Financial Protection Bureau brought against them.
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| 09/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Apple card closed my account on XX/XX/XXXX and i had severall open dispuites with them. They have not given the money for my dispuites i have sent them documents showing that they never credited my account for the dispuites their are severall that were never added ro my account and i have sent in documents severall times the ammounts are as follows {$240.00} XXXX home depot as explained severall times their were two orders one was cancelled due to shortages and the money never refunded.
{$170.00} home depot apple insists that the merchant gave me credit for this when it says on my statement that credit was denied when I log in it's showing A plus balance of XXXX and if you add the other three to that that they that they never did it will be {$900.00} and I wan na know how I go about getting that money back because my apple card was closed and this has been well long over 90 days. Im sending documentation and showing that this was never credited back that the XXXX never credited my account back and neither did apple because if it was I would have seen a credits in one of those and I am sending all the statements there and the XXXX XXXX and XXXX were never given credit by either apple or XXXX it does not show up on my statements I need to get this issue resolved and get this taken care this is going on five months and it seems to be every time I call I get a different answer from whoever answers the phone if you have any questions please give me a call my number is area code XXXX thank you XXXX XXXX
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| 05/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have an Apple Card that is serviced by Goldman Sachs. I have had the card for almost a year, and made all payments on time. For my XXXX payment, I accidentally paid the installment balance & interest charge twice, because I didn't receive confirmation of the first payment ( so I submitted the payment again ). I later saw two payments posted to my account. I was unable to cancel the pending payment from the Apple Card app, so I contacted the support team. The support team told me they were unable to cancel the payment when it was pending, so to reach back out once it had posted in a few days. I waited a few days and then reached back out once the payment was posted. The support team then told me they were unable to cancel the payment once it was posted, and I would need to contact my bank to cancel the charge. I contacted my bank, and they said they couldn't cancel it and I would need to go back to Goldman. I went back to Goldman again, and they said they could file a request to refund my payment, and that it would take ten business days. It has now been ten business days and I contacted them again, to which they have said the process will take up to 30 days. I am confused and frustrated as to why my additional payment is still being held by Goldman and I keep getting misinformation about the process. I think this is a deliberate attempt by Apple and Goldman to make the process intentionally confusing so that people give up and don't bother getting their money back after an accidental over payment.
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| 02/03/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Problem getting a working replacement card
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Web |
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Roughly about 6 to 8 months ago, I inquired and successfully was approved upon my submission of an application through major retailers store XXXX XXXX XXXX. I was approved for Apple Card offered through XXXX XXXX XXXX for qualifying customers upon meeting eligibility requirements. I did not authorize or pre-authorize any transactions or charges upon the opening of my account. Months later, I attempted to make a purchase using my Apple Card and associated Apple Card account. A few more months later, again I attempted to make another purchase and again my transaction was unsuccessful. I have reached out to Apple Card specialist and Apple Support teams and neither have been able to address the issue more so resolve my issue. The issuing bank 'Goldman Sachs ' disclosed to me that my account had been closed but did not specify the reason as to why it was closed. I did not authorize anyone on my behalf or on the behalf of the accountholder, which is a sole individual account, I am now trying to make a purchase for a product offered through XXXX XXXX XXXX for Academic Educational purposes. Any information you may inquire is solely at my discretion and I will be more than glad to provide any additional information. The problem is now I am trying to use my Apple Card to make a purchase but because of the unauthorized account closure, I have failed to proceed in making my transaction. My issue has not been resolved. I would appreciate any feedback or any solutions that the CFPB may offer or have on my behalf.
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| 09/30/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
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My husband and I opened an online savings account on XX/XX/2020. I promptly downloaded the app to use the account online.
We went through the process of linking my other external bank account to the Marcus account and transferred {$100.00} into the account.
We then transferred {$1000.00} into the Marcus account from our currency exchange account from the sale of our home in the XXXX.
Then I transferred {$100.00} back to my external checking account and all was fine.
We then transferred {$16000.00} into the account from our exchange account. The next time I logged into my online app, it said my account was locked.
I called their help line and was transferred to three different agents
who eventually stated they would send an affidavit for me to verify my identity because I couldn't pass a credit history based questionnaire.
After 3 weeks, the affidavit did not arrive and I called them again. It was sent to a street address but it needs to go to a po box . After some struggle, they agreed to resend it to the PO box . It's now been 3 weeks again, and it had not arrived. Trying to communicate with them is very difficult due to the agents not speaking English and always needing to put me in hold to ask someone else for advice on how to proceed.
They refuse to return my money, give me an explanation of why it was locked in the first place, or provide timely, meaningful help to resolve this in a professional, safe and expeditious manner. This is unacceptable when dealing with someone's life savings.
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| 08/12/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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On XX/XX/XXXX, I opened an account with Marcus Savings ( a Goldman Sacs company ) and transferred {$50000.00} from my XXXX XXXX account. I opened the account because it was paying 1.05 % -and my son told me it was " awesome. '' I already had a long-standing savings account with XXXX XXXX that was earning 1 % and I was very happy with it. On XX/XX/XXXX, I received an email that said the interest rate was dropped to .8 % I didn't see any reason to continue to keep that account ( I had had a few other deposits into the account as well ... ) so I immediately transferred {$50000.00} into my XXXX XXXX account. The " screen '' told me it would occur in 2-3 business days. The next day I checked my " app '' and was told I was " temporarily locked out '' and had to call XXXX to unlock my account. When I called, I was told that my account was locked until I provided them with statements from my XXXX XXXX account ; I refused -I see it as irrelevant and definitely non essential. TWO excellent banking sources I use ( one from XXXX XXXX ) told me they had NEVER heard of asking for statements for a bank account. I could get NO OTHER information from Marcus. The funds are STILL LOCKED at Marcus and I can't seem to get the money out. I sat on hold along with a Representative from XXXX XXXX for 41 minutes late last week ( probably XXXX XX/XX/XXXX ). I've tried numerous times to call but no one will talk with me or reset my account OR give me my money. I even asked for them to mail me a check but they won't help me.
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| 08/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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A company overcharged me for a service without my authorization. I submitted several pieces of documentation showing that the amount on that was charged was more than with the contracted amount with the merchant. Although I agreed to an amount of {$140.00} for services by XXXX on XX/XX/21, the final amount charged was {$220.00}. I contacted the merchant to dispute the charge and got no response. I then contacted Goldman Sachs to dispute the charge on XX/XX/21 while waiting for a response from the merchant. I submitted documentation that the charged amount should have been {$140.00}. The dispute was denied on XX/XX/21 due to with an explanation of " No response was received for the request for additional evidence in the past week. '' After contacting Goldman Sachs, the representative confirmed that the documents I provided to support the dispute were in fact included in the investigation file. They then offered to reassert the dispute. I agreed to do so and then sent in the same supporting documents on XX/XX/21. Again, on XX/XX/21 I received a notification through the XXXX XXXX app that the dispute was again denied. The representative I chatted with on XX/XX/21 stated that this was because " The merchant provided sufficient evidence that you made the purchase. '' They then stated that there was no evidence submitted by the merchant at all in either dispute. They are now refusing to provide a written explanation for the denial of the dispute and copies of the documents that were used in the decision.
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| 12/27/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Here is a letter I am sending to Marcus : I am writing to complain about a serious customer service issue. My mother listed me as the beneficiary on her Marcus account. She passed away on XX/XX/2022. I sent you her death certificate before the end of XXXX, but I still do not have her funds. The death certificate was returned to me promptly after I sent it, but with no note or explanation. I have called numerous times to follow up, and each time I call I am told it is pending. Each person I speak to is very sorry for my loss, yet in this period of grief, I am having to deal with the nightmare of getting the funds.
One time I was told the transfer was delayed, but they wouldnt say why. I was told it could possibly be due to any number of reasons, such as something about the name ( I changed my name after having gotten married this past XXXX ), or money had been moved after the date of death. More recently I was told on two separate occasions that the money would be transferred the next day, but it still has not been transferred.
Each time I call, I am told I will get a return call no more than 24 hours. One time I was told I Id get a call in 2 hours, but I never get a call. This should not be so difficult, as I already have an account with you, so you just need to transfer the funds. Other financial institutions have settled their accounts with my mother over a month ago. If this can not be resolved quickly, I will submit my claim to the CFPB and your regulators, or I may have to file a lawsuit.
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| 11/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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In XXXX XXXX XXXX I made an online purchase for {$580.00} with Merchant, XXXX upon receiving the order confirmation I noticed it had my old shipping address. I contacted the merchant for days and their Customer Service line said to email in they were not taking calls due to the holiday season I emailed in and by the thine the Merchant responded the package shipping could not be changed. They apologized and said they would make sure it did not ship and once it was back in warehouse issue my refund. They also offered me a 10 % discount on future orders for my inconvenience. I am not sure if they did what they were supposed to because they never followed through on the credit and Goldman Sachs Apple the card I used, I have disputed 7xs they keep closing the dispute in favor of the merchant. Saying it was delivered to the address on the order. I have submitted Goldman Sachs the email conversation where the merchant I interacted and the response in which they informed me they would get the package and apologized for the delay in my response. Now if the merchant didnt do as they said and it was delivered to my old address taht I moved why didnt they go back and get the receipt a package? Why I am responsible for this when I made every effort to get it to me and once I interacted with merchant I was assured they would do their part. I tried calling the merchant since Goldman Sachs is doing nothing for me and they said the financial institution, Goldman Sachs has to dispute it because it is over 90 days.
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| 10/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Hello, I am seeking help for a very frustrating situation with my credit card company. It is an Apple Card managed by Goldman Sachs.
My XXXX statement total balance shows as {$810.00} On page two of the statement the total amount of charges, returns and refunds is {$760.00} There was a return in the amount of XXXX posted on XX/XX/21. The difference between the balance shown on page 2 and the statement balance is XXXX. That amount was subtracted on page 2 but never reflected in the statement balance or the amount I am expected to pay. It is also not reflected in my current balance. In other words, while the credit is clearly shown in my statement, it was never actually subtracted from the total balance.
I spent an hour and 10 minutes on a chat with Goldman Sachs customer satisfaction representative who stated that the amount had already been deducted and there was no discrepancy. Clearly it was not but the representative would never acknowledge that. It took an hour and ten minutes.
The first representative with whom I spoke acknowledged that they could see the discrepancy but the supervisor flatly refused to acknowledge it. Either the supervisor is completely incompetent or there is something very shady going on at Goldman Sachs.
So, I am being charged {$49.00} for what should have been a refund. Everyone who has an Apple Card should be checking their balances very carefully.
How can you help me to resolve this?
Thank you very much for any assistance you can provide.
Sincerely, XXXX XXXX
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| 12/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I currently have an apple card. I was going to make a purchase on XXXX but the seller said that he could have me make the purchase on his website and it would be cheaper for shipping and taxes. So I went to the website and used my apple card to purchase the item online. The total was over {$3800.00}. I realized less than 5 days after making the purchase that the vendor ( XXXX, XXXX ) was fraudulent based on my communications with him. I immediately confronted the vendor and he showed me screenshots that the money was refunded. I contacted apple card support with the information and they filed a dispute.
Approximately 2 months later, I received an email saying that Goldman Sachs ruled in favor of the merchant. I was upset and called back, I was never provided a phone number to speak with anyone at Goldman Sachs. Apple card support said that their employee had entered the initial dispute incorrectly. Since I had never received the items, I would have to have it reentered. I said I had tons of images of text message conversations with the vendor on the phone and the support agent said that they would contact me to ask for this evidence. I was never contacted.
I received an identical email after several weeks stating that Goldman Sachs had ruled in favor of the vendor. I have called them at least 5-6 times at this point with no resolution. Each time I submit a claim, they email me a month later saying that they ruled in favor of the client. I never received my item and I am out nearly {$3900.00}.
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| 04/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I have two issues with their rewards department that I have called so many times on and been on the phone over hours and nothing has been fixed. This credit card is Marcus by Goldman Sachs.
My first issue was that on XX/XX/2023 I used my points to redeem two gift cards. One was for XXXX for {$100.00} which I did get it virtual on my email. The second one I got it for {$100.00} and it was for XXXX XXXX which my points got deducted for but I never received it. I called so many times for it and all I got told was to wait 24 to 48 hours and I until this day I have not received it. I have checked my spam, junk, deleted folders and nothing. All I get told is that they cant do anything to just wait but I have been waiting for months and has not been fixed.
My second issue is that I used my credit card at the dealership for an oil change and I called to use my points towards my oil change which was {$65.00} and the the representative said my statement cycle would be paid off and my balance would be at {$0.00} since I had no other transactions pending or posted. When I got the confirmation and hung up I went to check and only {$5.00} got applied but I got my points deducted for {$65.00} and I have called multiple times and all they tell me it has been escalated to wait for a call back but my bill is due. I dont see why I should pay it when the reason I got the credit card was to use it towards my car services. I have been trying to close my credit card and I just cant seemed to get any solutions.
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| 06/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
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Web |
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Complaint against Goldman Sachs, Marcus Savings Account : I am a customer of the aforementioned bank. My savings account was locked XX/XX/2023. I was not notified of my account lock, I noticed when attempting to log in. I called the bank at XXXX XXXX XXXX XXXX XXXXXXXX and was told my account was locked and was under review. I called on XX/XX/2023 and was told an affidavit of identity would be sent to verify my identity. I received the affidavit, had it notarized for {$15.00}, and shipped the envelope on XX/XX/2023. The bank office in XXXX XXXX XXXX, UT, US received the affidavit on XX/XX/2023, received by " XXXX. '' I called Goldman Sachs at the same number on XX/XX/2023 because my account continues to be locked. I was told I must wait 2-3 business days for the bank to review my account and that I could call back XX/XX/2023. My general complaints : - Savings account has been locked for over 2 weeks. I can not receive paychecks, transfer funds, or access my account. - No notification was given of locked account. - No reason was given at any time for locked account. - I verified my identity by name, special word, birthdate, and last four of my social security number and my account has not been unlocked. - I verified my identity by notarized affidavit and my account has not been unlocked. - Customer service gives me a 3+ business day time frame to call back every time I call. I need access to my savings funds and would like to close my account with Goldman Sachs, but I can not access my funds.
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| 03/27/2023 |
Yes |
- Credit card or prepaid card
- Gift card
|
- Trouble using the card
- Trouble using the card to spend money in a store or online
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Web |
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|
Team, I bought a {$100.00} Apple gift card at XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2023 at XXXX. When we tried to redeem the gift card at the Apple store on XX/XX/2023, we found the gift card was already whited out. The Apple store representative told us that the card has a {$0.00} balance and it was already redeemed on XX/XX/2023. The Apple store asked us to contact the XXXX store for a refund. But the XXXX store is asking us to contact Apple for a refund. After repeated attempts, we decided to file a complaint and reported the incident to the local law enforcement agency and to the Federal Trade commission. Apple team shared the email id to share the complaints. But the XXXX team handled the case unprofessionally. My calls to XXXX support contact number XXXX XXXX XXXX was disconnected intentionally thrice on XX/XX/2023 during XXXXXXXX XXXX PST to XXXX PST. The support team was not ready to share the support email id to share the complaints.
I am expecting refund of {$100.00} from Apple or XXXX. I received an email from Apple that the refund needs to be claimed from the retailer ( i.e, XXXX ). I also received an email from XXXX that the refund needs to be claimed from Apple.
XXXX case number XXXXXXXX XXXX guest relations contact number XXXX XXXX XXXX GiftCard support team on this contact : XXXX ( XXXX, CT ) This scam has been reported online on XX/XX/2023 but why has no action been taken by XXXX to remove the Apple gift cards from their storesXXXX XXXX XXXX? XXXX
|
| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I sent a letter to Goldman Sachs/Apple Card requesting information about my account AND a letter stating that in accordance with 16 CFR 313.2 - 7, 15 USC 6801 - 6805, the Fair Credit Reporting Act, and The Privacy Act of 1974, as a federally protected consumer, I am exercising my right to opt out of any and all authorizations that I, the consumer, may have given to report my information to a third party ( i.e., credit reporting agencies, etc ). I rescind all consents given to any company in written form, unwritten, verbal, or non-verbal effective immediately and indefinitely. This was after I received an online statement stating that I owe them a debt in the amount of {$1700.00}. I explained to Goldman Sachs/Apple Card that I conditionally accept their offer to pay this account in full upon proof of lawful claim pursuant to 12 CFR 1026.13 ( a ) ( 5-6 ) and 15 USC 1666 ( b ) ( 5-7 ) and with their assurance that they will accept payment in direct and immediate exchange for the ORIGINAL instrument of indebtedness in its ORIGINAL form. I requested this documentary evidence of accounting pursuant to 15 USC 44 for all accounts in connection with me in order to address thee billing error for the account in question. I need clarification about how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS publication XXXX as the XXXX on the public side and on the private side showing accounts receivable and accounts payable ( XXXX ).
|
| 08/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
The Apple Card app told me that to avoid an interest charge of {$14.00}, I needed to make a payment of {$560.00} by XXXX on XX/XX/XXXX. I made a payment of {$560.00} on XX/XX/XXXX and I was charged interest of {$14.00} on XX/XX/XXXX.
I reported an issue through the app and I was routed to chat with a Goldman Sachs representative. I was told that I was charged because it is a " trailing interest charge. '' I said that it was fraudulent and went back and forth discussing it and the representative processed a request to waive the interest and filed a complaint on my behalf.
The Apple Card is advertised as being straightforward and easy to use and understand, such as the following quote from the apple website, " With Apple Card, we completely reinvented the credit card. Your information lives on your XXXX, beautifully laid out and easy to understand. We eliminated fees and built tools to help you pay less interest ... '' The app told me how much I needed to pay and when to avoid the interest charge and I was still charged interest.
Waiving interest this time does not fix the problem. It is fraudulent to tout about the benefits of the card, the ease of use, and plain terms that anyone can understand and explicitly state pay this amount by this date to avoid this interest charge and still charge the interest. Apple and Goldman Sachs need to fix their app and advertising to reflect their policies or change their policies to match their advertising and the information they provide.
|
| 05/05/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
About a week ago, I submitted instructions to set up an external account for a transfer out of my Marcus savings account opened earlier this year. After verifying the XXXX test deposits, my account was inexplicably locked and I was asked to phone in. As of this writing ( XX/XX/22 ), I have phoned in XXXX times to attempt to release the lock. I was asked on the first XXXX calls to await a return phone call within THREE MINUTES. I waited at least 30 minutes in each case and no call came. The third call dumped me into a voice mail box was that not attended. On the fourth call I was put on hold several times and I told the agent that these are XXXX XXXX XXXXecovery funds and to hold them is UNLAWFUL per the UCC-1 filed by the XXXX. I was told the account was being reviewed and I should call back in 1-2 MORE business days. This is absolutely insane. This account only has a few XXXX dollars in it and this is Goldman Sachs? Wow. I will not wait around all day long for a phone call. Today makes 5 calls with the same result. They keep asking me about a prior phone number. I've had TWO phone numbers assigned to me ( same cell phone ) for the last 10+ years. I was told to call back in 1-2 days as they are still reviewing and would not tell me anything else ( even after pressing them ). This is insane for an account with about {$2500.00} in it. I now want ALL my money out of this account sent to the destination account I specified. Please see the XXXX complaint also filed on this situation.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX Breach, My name, social, drivers license, emails, phone and 1 bank account was breached, the usps post master also stated mail forwarding was in place to several abandoned buildings.
I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts.
XXXX and XXXX XXXX are battling for me against XXXX and XXXXGreensky . Both companies come back as " verified '' even though I have proof I was a victim of identity fraud.
The 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship.
These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX ) XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
XXXX ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
These three accounts are being reported too XXXX : XXXX ) XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
XXXX ) XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
XXXX ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
Thank You XXXX XXXX XXXX
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached, the usps post master also stated mail forwarding was in place to several abandoned buildings.
I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts.
XXXX and XXXX XXXX are battling for me against XXXX and XXXXGreensky . Both companies come back as " verified '' even though I have proof I was a victim of identity fraud.
The 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship.
These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX ) XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
XXXX ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
These three accounts are being reported too Experian : XXXX ) XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
XXXX ) XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
XXXX ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
Thank You XXXX XXXX XXXX
|
| 11/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have been dealing with these last XXXX disputes since XX/XX/XXXX. I have reasserted them at least XXXX or XXXX times. I requested on XX/XX/XXXX via phone conversation to send me the evidence they are using to come to the conclusion that these disputes are not fraud. I have yet to receive it. These disputes are of their own making from incompetent staff putting in the wrong case numbers. Now I would also like to complain about Goldman Sachs specialist they need training for sure. I was told by a Goldman Sachs specialist supervisor that these disputes were going to XXXX XXXX and this was on XX/XX/XXXX. This is all on their recordings that they love to do.You should also hear babies crying on those tapes. What kind of bank is this they are trying to take care of babies while trying to take care of customers! What a mess!! Then they added the charges for the disputes to my closed account. What happened to the XXXX Arbitration? It is a LAW that after 2 reassertions of disputes they are to go to XXXX XXXX. XXXX has a rule that for fraud you will not be charged for unauthorized charges. They should not be issuing a card with XXXX name on it if are not willing to stand by it. That is corrupt business practices. My evidence is the same that I sent for the XXXX disputes that were ruled in my favor. This is called harassment. I have to agree with other customers that have filed complaints about Goldman Sachs. They are corrupt and you cant get away from them and they cant be trusted!!
|
| 05/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
My Apple Card with Goldman Sachs was restricted on XXXX I contracted support from the link and they had me reset my AppXXXX ID and said it would be fixed. It was not fixed. Contacted them again and said I need to call the customer service number. I called and they verified a charge I made that they thought could have been fraudulent. I confirmed the charge and they said it would be fixed. Still wasnt fixed. Contacted them again and was told my account was under review but could not get me a time frame for the review. I contacted them again and they removed the restriction. I used the card on XXXX and the card became restricted again. I contacted support and they said it would be removed, and gave me a new card number. I tried to use the card again but the account was still restricted. Contacted them on XXXX was told it was removed and to wait 24 hrs as their system was slow at updating. XX/XX/ account still restricted, called again and was told a supervisor would contact me within 24 hours. No one ever contacted me. Called XX/XX/ and was first told there was a server error but a supervisor was working on getting the restriction off. After I sat on hold for XXXX min I was told my account was under review again. Its been XXXX weeks and I still cant use my card. I had the card setup for autopay and have had to change my accounts due to my charges being declined. Every time I contact them it takes 30-60 minutes of my time and Im getting a different story from each representative.
|
| 06/18/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
I have several CD 's at GE Capital Bank XXXX online bank ). They are maturing at different dates in the month of XXXX. A month prior to each of the CD maturity dates, GE sent me an email notice informing that my CD would mature within a month and that I needed to contact them by phone to give them instructions on how to disperse the money. In the absence of my contacting them, the money would automatically rollover into another CD of the same maturity length of time. After I received the emails I called GE to request, upon maturity of my CDs, that the principle and interest be deposited into my online saving account and not to automatically roll the CDs over into another CD. The GE representative informed me that they could not process my request until the actual maturity date of the CD. However their previous email is misleading in that respect. It implies that I could call them at any point between the time that I got the email to the time of the CD maturity. Below is the copy of the email that they sent me : This notice is to inform you that your XXXX CD Account with GE Capital Bank is due to mature on XXXX/XXXX/2015.
Please contact us by the maturity date with instructions on how you want to renew your CD. If you do not contact us, your entire balance will be automatically rolled over into a XXXX CD. The interest rate and the annual percentage yield ( APY ) have not yet been determined. Please call after the maturity date listed above for the current renewal information.
|
| 04/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Describe what happened, and well send your comments to the companies involved.
In XXXX and XXXX, I experienced issues with my Apple Card not registering payments correctly, leading to accrued interest and a warning of a past payment due. In XXXX, I was informed that I needed to pay a certain amount of money to avoid paying interest. I paid the required amount, but at the end of the month, my card still accrued interest. In XXXX, my Apple Card requested that I pay {$16.00} by XX/XX/XXXX to avoid a past payment due. Despite having paid over {$2000.00} to pay down the card and paying the requested {$16.00} multiple times, the warning persists. I am concerned that this issue will lead to a negative mark on my credit report, even though I have made the necessary payments.
Include dates, amounts, and actions that were taken by you or the company.
XXXX : Paid the required amount to avoid interest ; interest was still accrued on the card.
XXXX : Apple Card requested a payment of {$16.00} by XX/XX/XXXX to avoid a past payment due.
XXXX : Paid over {$2000.00} to pay down the card balance.
XXXX : Paid the requested {$16.00} multiple times, but the warning remains.
I have also attached a screenshot as evidence, which clearly shows the warning on my account, despite making multiple payments over the required amount to prevent a past due mark on my credit. This visual documentation should help substantiate my concerns and further demonstrate the issue with my Apple Card account.
|
| 02/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
AppleCard, Goldman Sachs Bank received payment on the XX/XX/2023 via the electronic-funds Transfer act in a form a of a 1099 A. The liable party, their Indenture Trustee receive the 1099 A, on the XX/XX/2023, he is responsible for my accounts notes. The Company and XXXX XXXX XXXX accepted the an over-payment of {$30000.00} certificate of indebtedness on the XX/XX/2023, covering the owed amount - {$2700.00}, however my account has not been reflected. Reference Number XXXX INDENTURE TRUSTEE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX Furthermore, Goldman Sachs has suspended my account which is in direct violation of 12 CFR 226.10 - Payments. Which is specified in the terms and condition that they accept nonconforming payment.
( 4 ) Nonconforming payments- ( i ) In general. Except as provided in paragraph ( b ) ( 4 ) ( ii ) of this section, if a creditor specifies, on or with the periodic statemen
t, requirements for the consumer to follow in making payments as permitted under this 226.10, but accepts a payment that does not conform to the requirements, the creditor shall credit the payment within five days of receipt.
PER THE LAW they have 3 days to conform.
The Company also violated the XXXX XXXX Compliance, by reporting to third- party, Non-affiliated reporting agencies such as XXXX XXXX XXXX XXXX XXXX. In addition, they violated 12 CFR 226.11 - Treatment of credit balances ; account termination.
|
| 10/24/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XX/XX/XXXX, my bank, XXXX, transferred from my savings account {$9600.00} to GreenSky. That is the full amount of my loan. Green Sky says they never received the money even though my bank has provided me - and thus them - the TR #, the transitioning number, and the trace number proving they were sent the money. I have talked numerous times with GreenSky on the phone explaining the situation. After three weeks I was finally given a Resolution team member to work on this. No results. Then I got her manager and she has not been returning my calls either.
Last week the resolution team member manager finally told that in early XXXX, GreenSky experienced an " internal banking error '' that resulted in payments across their company to not being properly credited. " All '' of their accounts are messed up. They can't seem to find a solution or know what exactly happened. Nor are they in any hurry to solve the problem and properly credit my account.
I was repeatedly told that it was my bank, BMO, that made the mistake and never sent the funds. Thus, I filed a CFPB complaint ( # XXXX ) against my bank when in fact I should have been filing this complaint against GreenSky last week. Since I now have transaction numbers, etc. to prove that XXXX sent the funds, it is GreenSky which has made the mistake, not been transparent about their " internal banking error '' of early XXXX, and has continued to deny the rightful resolution to this issue- the crediting of {$9600.00} to my loan.
|
| 06/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
As of XX/XX/XXXX Marcus by Goldman Sachs took over XXXX XXXX XXXX XXXX credit card accounts including mine. In the last few months of XXXX I had a credit of {$13.00} which the Marcus representative confirmed. During the transition period before I knew Marcus was taking over I charged {$100.00}. Several representative told me their policy was to get the customer 's banking information to issue a credit, but I refused since I was new to the company and Goldman Sachs ' reputation from the XXXX 's is bad. They said they would not reduce my payment amount, but agreed that they would issue a check. I spoke with representatives in XXXX and XXXX who said the request for the credit check was being processed. I mailed payment in full to their XXXX processing center by certified mail in XXXX, the post office delivered it to them, and they lost it. I finally paid by phone in XX/XX/XXXX to end all issues. They never sent the check and the representative I spoke with today said the check was canceled with no notice to me because their was a balance on the card ( but they never applied the credit as promised ). I am concerned that any account that transferred over to them from XXXX XXXX XXXXXXXX XXXX that had a credit was not given the appropriate benefit and customers including me have been deprived of credits so they could benefit at our expense. Also, the card was never hacked when it was with XXXX XXXX, but has been hacked three times in the lack few months since they took over.
|
| 11/01/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
My CD with Marcus by Goldman Sachs matured on XX/XX/XXXX. I requested the account be closed. On XX/XX/XXXX I received email verification that the account was closed. By XX/XX/XXXX I had not received any funds either by wire or by mail and contacted G/S I was placed on hold repeatedly and was told they would call me back rather then me wait on hold. I did not receive a call back. XX/XX/XXXX I called and was told by XXXXXXXX XXXX XXXX ) it takes 3 days for the money to be wired. XX/XX/XXXX, No fund received by my bank and spoke to XXXX then XXXXXXXX XXXX XXXX XXXX who said the account to which the wire was to was to be sent was a business acct. That is not correct is it a personal savings account. The same account the funds were initially send to G/S. I was then transferred to XXXX and requested a check be mailed. That would take 1 to 10 days. XX/XX/XXXX I received an email from GS requesting I call them back. Spoke with XXXX XXXX XXXX XXXX and XXXX, who needed to send a PIN to verify I was who I said I was. A verification code was sent to me each time I asked for the funds to be transferred or mailed. XX/XX/XXXX I called and spoke with XXXX who said the check was sent out overnight. XXXX I called G/S and was told the check was sent USPS and the tracking number is XXXX. I entered the number in the USPS tracking website and this message appears - '' XXXX doesn't seem to be a USPS tracking number. Please check the number and carrier and try again. '' This is ridiculous.
|
| 07/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I am extremely devastated, embarrassed and damaged by the shameless actions and decisions that Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX have made against me and my family. I was discriminated against. I, consumer, beneficiary and natural man was denied an extension of credit when in good faith applied for an extension of credit. I applied to use credit for my personal, family and household use. According to the Equal Credit Opportunity Act it states that it is unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction- because the applicant has in good faith exercised any right under this chapter. Not only a federally protected consumer was discriminated against, this company violated their fiduciary duties as trustee in which I, the beneficiary sent a notice of breach on XXXX in accordance to the uniform commercial code. I receive no adequate consideration as I provided this company with my trust documentation and all XXXX XXXX evidence to conquer that I am claiming what is owed to me. Goldman Sachs Bank USA and Apple 's deceptive business practices has stressed my family and I and has caused us a great deal of mental anguish in which I needed that credit line to move my family out and Goldmans Sachs Banks shameless decision has left us XXXX. I have proof and certified mail receipt to show that I tried to rectify the matter and multiple calls and this company decided that they should act with unclean hands.
|
| 06/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
In XX/XX/2020, I opened a CC with Apple/Goldman Sachs for the purchase of 2 XXXX when I purchased them at the Apple XXXX. I was already on an installment plan for my old phones and the Apple rep assured me that this would be the same and that my auto-pay would be setup the same. Sometime around the end of XXXX or beginning of XXXX, I received a phone call from Goldman stating that I was 3 months late on payments. I asked them why this was the first I had heard from them and they stated that had tried to email me. I later found out that these emails were being intercepted by XXXX XXXX spam filter - so I wasn't getting them. I immediately paid the account current and was advised that Goldman would clean up the mess on their end. Approx 30 days later I was notified by the Credit bureaus that Goldman erroneously reported my XXXX payment late but had reported XXXX and XXXX as " on-time ''. I filed a dispute with the 3 CC bureaus but Goldman insisted that their reporting was accurate. An accurate report would have been that I was technically late XXXX, XXXX AND XXXX but Goldman said that they would clean it up since my auto-pay was messed up. I called Goldman @ XXXX to inquire about just paying the account off and closing it - they hung up on me. I thought it was a mistake but they have my call back number if it was a simple disconnection. This issue has caused my credit score to go from XXXX down to XXXX and resulted in a higher rate for a car that I recently purchased.
|
| 01/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American, Servicemember |
|
Apparently, my Apple Credit Card ( Goldman Sachs ) is tied to my XXXX XXXX I have had an activation lock placed my Apple ID three times in the past 6 weeks or so. I use a password manager. I also use passcodes that are saved to Apples password manager, and copy, pasted, and printed. I have no access to the associated email, which is what XXXX is requiring to reset the password. I have reset the password, twice, but XXXX fails to accept it.
If I close the XXXX XXXX I also close my Apple Card. Of course, I can create a new XXXX XXXX XXXXnd reapply for the Apple Credit Card. When I close the XXXX XXXX, and subsequently the Apple credit card, I will still have the amount currently applied to the Apple credit card as part of the available credit for all cards. That creates a major hit to my credit score, which limits my ability to obtain a new Apple Credit card. I have about {$210.00} in transactions being disputed. I can not check on those statuses. I can not stop payments being made by the card. Nor can I currently use the card. Nor do I know the balance. Nor can I cancel subscriptions or access apps that I purchased. The vendors tell me that I can only access them through the XXXX XXXX that I am locked out of. I can only make a payment, and I need to guess how much the payment should be. Nor can I check for unauthorized transactions. I did not know I was owned by XXXX. I thought this was my account. Am I wrong? This is corporate power to control without ownership.
|
| 08/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I contacted Apple Card Support after getting a new XXXX and adding all of my credit cards to my wallet. I received a notification that my account had been closed when I added my Apple card. This seemed odd to me because to my knowledge it is illegal for anyone to collect an extension of credit. I received an extension of credit when I opened this Apple card by Goldman Sachs using my SSN. However, the error was probably caused by a mistake or a system error, so I contacted their customer support team. This big of a corporation wouldn't do anything illegal, would it? While addressing this situation with him, the customer service representative was very friendly and helpful. I was placed on hold for a few minutes waiting to be transferred to a supervisor. He came back and said to refer back to the email why my account was closed and that she couldn't provide any additional information. That wasn't a big deal to me, and I knew he and the supervisor didn't realize that collecting an extension of credit is illegal. Additionally, I asked her to keep it in the notes in case someone from the legal department or supervisor gets in touch with me. 18 USC 894 ( a ) ( 1 ) ( 2 ) Whoever knowingly Participates in any way, or conspires to do so, in the Use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.
|
| 08/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I made a purchase at Apple.com, signing up for their Apple Card ( Goldman Sachs ) for a financing offer on XX/XX/XXXX. Part of the order was not due to ship for a month ( manufacturing backlog ) and part of it shipped immediately.
On XX/XX/XXXX, I decided I would buy the items locally and cancelled the order with Apple. I immediately shipped back for the part of the order I received and shortly after receiving the return, Apple refunded me for that, however the part of the order that hadn't shipped yet was still " pending '' on my card and the card was still showing a balance.
I contacted Goldman Sachs ( who backs the Apple Card ) and explained the situation. They told me Apple had to release the pending charge and then transferred me to Apple. The Apple rep told me it was Goldman Sachs who is holding the pending charge and told me to contact them again.
I give it some time to hopefully allow the pending charge to fall off and 2 weeks later, on XX/XX/XXXX, contact Goldman Sachs again, who proceeds to tell me it's Apple issue. In the meantime, Apple support had already emailed me a Credit Memo, showing the credit of the returned merchandise but absolved itself of the pending charges as they are not the bank. They insist there is nothing they can do about this.
After a quick XXXX search, I'm seeing other Apple ( Goldman Sachs ) cardholders are having this exact same issue and are stuck in this infinite loop of being tossed between merchant and bank support.
|
| 01/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I am writing this complaint against Apple Card by Goldman Sachs Bank for violating the Truth in Lending Act ( TILA ) by not providing me notice before or after closing my credit card account.
Since I have been a customer with this company, I have always been responsible with my credit card payments and spending. However a few months ago, I received an update on my credit report from all XXXX bureaus stating that my account had been closed.
This was done without any prior notice or explanation. I never received a phone call informing me of this, an email informing me or any type of letter/correspondence informing me of any changes to my account. This closure has caused me financial harm and inconvenience.
I have contacted this company by phone multiple times and have requested a written explaination of why they closed my account without cause or a lawful reason. I also requested them to explain why they didn't provide me with notice of the account closure and why I had to find out from an alert on my credit report and not from them directly and professionally. I first started reaching out to them in XX/XX/2022 and to this day. I have not not received any correspondance from them what so ever.
According to XXXX, credit card companies are required to give the cardholder notice before or after the account is closed. Your company has failed to do so and I believe that this is a violation of XXXX by failing to provide notice before or after closing my account.
|
| 08/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My XXXX XXXX XXXX daughter made 11 transactions of {$84.00}, 1 of {$99.00}, and 1 of {$44.00}. Total of {$1000.00}. The card that I had for XXXX purchases was maxed out, so the back-up card was used, which is the one in question. She didnt know what she was doing, she thought she was using play money in the app. The very next day I was disputing charges and calling XXXX, because it was XXXX purchases made with an Apple Card. XXXX Specialists were able to dispute a few charges for me and other werent able to be disputed. The reason I was given was because that was they way the system was set-up. After days of calling customer service for XXXX and Goldman Sachs, I was able to dispute all charges. This week ( XX/XX/XXXX to XX/XX/XXXX ) Ive been getting emails that the charges are being reversed. Again Ive been on the phone for days with XXXX and Goldman Sachs customer service about these charges. The answer Im given is the team/department that makes these decisions do not interact with customers and that their system doesnt allow them to dispute those charges. My research tells me that the law says a child using your credit card for unauthorized purchases constitutes as unauthorized and should be refunded. At the end of the day, my daughter doesnt use that app, doesnt have access to the account, and has nothing to show for {$1000.00} in charges. Ive paid the balance of what I honestly owe. But can not close the account because they have reversed {$1000.00} charges.
|
| 08/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
The issue involves the Apple Card by Goldman Sachs Bank USA.
I have tried since XXXX of XXXX to resolve dispute about a balance I do not owe. In fact, 2 associates told me I have overpaid. One stated I overpaid over {$300.00}. And another said over {$100.00}. I have been on the phone with them numerous times, which usually last 2 hours, going over the same problem, despite them having individual notes from each discussion. I have been told no interest would be accrued while in dispute but it continues. I wrote a letter, thinking that would resolve the issue but I didnt even receive a response. The latest balance, according to them, is {$400.00}. I do not owe this. Each time I have called every associate and specialist and or Supervisor comes up with a different amount. It should be a simple matter of adding and subtraction This has been an ongoing nightmare and has effected my excellent credit..
I do not have all dates, not realizing I would need them, but I know I called on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also have a copy of numerous text messages. Some people I have spoken with are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
They refuse to resolve and while they state they will send in dispute, I receive nothing.
It took forever to close this account, another 2 hour ordeal.
I have never dealt with such an incompetent company in my entire life.
I hope you can get some results. The XXXX, time, and damage to my credit is beyond upsetting.
|
| 06/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/23 I placed an order ( XXXX ) on XXXX for a laptop and related accessories. The purchase was made on my AppleCard credit card. XXXX shipped XXXX packages, XXXX with the laptop and the other with accessories. The laptop was never delivered to me but the accessories were delivered.
The laptop package was supposed to be delivered to my home but it was not. XXXX site ( tracking # XXXX ) indicates the package was diverted ( not at my request ) and delivered to a XXXX store in a neighboring town ( XXXX XXXX XXXX XXXX, XXXX, CA ) and that it was picked up there. At the same time that the laptop was apparently picked up in XXXX ( XX/XX/23 at XXXX ) the second package ( tracking # XXXX ) with accessories was delivered to my home where I accepted delivery in person at XXXX on XX/XX/23 ( this package shows as pending delivery on XXXX site ).
I reported the theft of the laptop to the local police department and the police report was completed on XX/XX/23 ( case # XXXX ).
I have tried to resolve this issue directly with XXXX numerous times since my initial call on XX/XX/23. Today, I called XXXX to obtain an update on my refund request and was told it was declined on XX/XX/23 and that it was communicated to me by email. I never received any written or verbal communication from XXXX that my refund had been denied until today.
I am asking for a reversal of the credit card charge ( {$2400.00} plus tax ) and a refund of the payments I have made to date.
|
| 05/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
Ok I am totally done with Goldman Sachs and there lies! I have a ton of evidence against them and I know I have won XXXX disputes out XXXX disputes and there are still XXXX disputes left which I have just won XXXX of them for {$100.00} and today received an email losing XXXX for XXXX which I am re-disputing. I also know they owe me over {$10000.00} dollars and will not reimburse me for this amount. Truce is off my enemy.I gave you the benefit of cashing out on what you owe me and you continue to want more. Not only was the dispute that I lost, you never asked for any evidence and you charged me for more than the transaction. I have enclosed all of this to lay your lying eyes on! You are a XXXX bank who I guess is going under so you charge your customers more to make up for all your losses. Well I am done with you and want to be really done with you! Knew if I gave you some rope you would hang yourself and you did. I am sick of you saying our bank records are right and thank you for letting us address this. Well your bank records are not right and addressing the problem is not your forte! All you do is tell lies! I dont even know what you can do to fix this problem! Being honest would be the first step. Paying your debts would be the second step! Treating your customers with respect could be the next step! I had to get my own audit because you are so lame and crooked that you wouldnt do it because you knew I was right. Pay up what you owe your customers!!
|
| 11/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
XXXX XXXX XXXX credit card from XXXX is showing up on my credit score for XXXX XXXX I had a card from XXXX XXXX XXXX last year for XXXX $ that I never used and canceled. My XXXX credit account is all messed up because of identity fraud. I keep freezing my account but these people opened an account with XXXX which is also on my credit but I have XXXX. I can't call any of these companies because my phone calls get ported and I never know who I am speaking with. I also have a XXXX card that was opened last XXXX and was paid off but it says I still owe a payment and now I have just seen XXXX XXXX for Apple Card which I disputed because I paid the card off completely 4 months ago and it's showing two Apple cards... I don't know what to do this all started last XX/XX/XXXX and I actually canceled the XXXX account but someone opened and paid to have the premium account reopened so in my opinion they can somehow manipulate what is on my credit report. Since last year my credit score has dropped XXXX points, I've had to close out all my bank accounts twice. XXXX recently just gave me a new phone because of all the coding that was in it from hacking. I can't keep an email address without it getting hacked including my work email.I work at a college and found a hidden voicemail last week about my student loans which I don't have. I have had my unemployment from state of XXXX opened twice and I've contacted authorities, FTC, and I was told by XXXX to go to the FBI.
|
| 02/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to express my concerns about the due date and time zone difference issue that I recently encountered with my Apple Card account. I believe this issue may have resulted in an overdue payment and an associated interest charge, despite my efforts to make timely payments.
As a loyal customer of Apple Card, I was disappointed to learn that the due date of my monthly payment was based on the Eastern Standard Time ( EST ) time zone, while I live in the Pacific Standard Time ( PST ) time zone. While I understand that this information is included in the terms and conditions of my account, I feel that it is not sufficiently highlighted or emphasized in the payment interface or other account notifications. As a result, I mistakenly assumed that I had until midnight Pacific Time on the due date to make my payment, and was surprised to find an overdue balance and an associated interest charge on my account on XX/XX/2023.
I have attempted to resolve this issue with the Apple Card customer service team, but have not received a satisfactory response. I am disappointed with the lack of transparency and accountability in this matter, and I feel that this issue could have been easily avoided with clearer communication and a more user-friendly design.
Apple Card customer service referred me to Page 10 on the terms and conditions, but they should label it more specifically at the beginning. I am really disappointed.
|
| 12/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My daughter got a hold of my credit card information without my knowledge to buy digital in-app items for her online game. She also used it to buy other online items up totaling {$3100.00} between XX/XX/22 and XX/XX/22.
I went to pay my Apple card on the due date and saw the unauthorized transactions for the first time. There was no warning of any suspicious activity prior to my looking at the bill.
I called Apple immediately, but their 14 day policy for allowing reversals was already past. How convenient. No warnings and a 14 day return policy, so you only find out when you go to pay your bill on time and in full as you always have done.
Apple works through Goldman Sachs. The run around between the two companies is a bureaucratic nightmare.
They couldn't even tell me the numbers on my own card after 3 hours of being on the phone.
The denied all of my appeals. I never gummed up the process by calling my bank ( as they will emphatically tell you not to do EVERYTIME you call ) until they denied my dispute after the 60 day mark. T One representative told me my claim had been approved and put me at ease. Then I called back and they said it was denied and unfortuntately, now I was outside of that 60 day period to report to the bureau as IF by DESIGN!
I am a small business owner/piano teacher. I can not afford such charges willy-nilly. I have spent hours and hours battling this case.
Please help me appeal this case with Apple Card/Goldman Sachs ! !!
|
| 10/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Apple refuses to close my account and allows charges to keep posting even though customer support says my account is closed and that when accounts are closed its impossible for transactions to post. I have contacted customer support multiple times through email, text, and phone correspondence and no action has been taken for months. Each time I contact support there is no historical record of my issues and they refuse to provide a date when my account was fully closed. I am very concerned Apple will keep my account open to allow charges to post indefinitely, as has been the case so far.
Apples only response to any of my requests is to ask for dispute info. There has been no acknowledgment of my request to close my account, and I dont receive a reply when dispute info is provided even from months ago. Customer support has also stated that I have 0 open disputes. Apple has also blocked my access online so I cant retrieve account closure documents or other statements. Because I dont have access I was tricked into making fraudulent payments in XX/XX/XXXX even though the customer support I verbally spoke to told me it would be resolved after making these payments. I also can't see where the charges are coming from, Apple has indicate it's only from XXXX XXXX XXXX, but there could be late fees and other charges since I can't view details.
Transaction dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account close date : XX/XX/XXXX - XX/XX/XXXX 2022
|
| 01/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
This letter is served upon received.
It has come to my attention that I am a federally protected natural person as defined under the Truth in Lending Act 15 USC 1602e.
Please be advised on XX/XX/2021, at XXXX pm Goldman Sachs and XXXX willfully and negligently violated my federally protected consumer rights. Goldman Sachs Bank USA and XXXX XXXX are in fact in violation of but not limited to the following federal laws ; 15 USC 1691 d ( 6 ), 12 CFR 202.9 b ( 2 ), 15 U.S.Code 1692d ( 2 ), and 18 USC 1028. They denied me extending my credit for an Apple card even though I am the original creditor and extended my credit using my social security account number. Goldman Sachs and XXXX benefited from this transaction while I received no benefit.
I demand you : - grant me an open-ended unlimited credit plan - zero out the balance each month - pay the attached invoice in the amount of {$120000.00} by mail to the address listed- an audit trail mailed to the address listed above those entails the application and consumer credit transaction I entered yet did not benefit from If you do not cease the law violations mentioned above, I will pursue litigation against XXXX XXXX and/or Goldman Sachs Banks USA as 15 USC 1692k a ( 1 ) allows civil liability rewards for any damages, which include stress, mental anguish and other damages caused by violations due to XXXX XXXX and Goldman Sachs Bank USAs deceptive business practices and negligent/willful noncompliance.
|
| 07/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.
1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX/XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine.
10. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
11. Identity Theft GS BANK USA Account Number : XXXX This is not mine.
12. Identity Theft XXXX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
15. Identity Theft GS BANK Date of inquiry : XX/XX/XXXX This is not mine.
16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
17. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
|
| 06/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
Marcus Savings account received a verified request by me to transfer money from my Marcus account into a verified account in a different bank. In response, they locked my account and told me to call a number to unlock the account. I called Marcus and they first asking probing questions regarding what I was going to do with the money I was transferring and why I was moving it out of Marcus ( I was planning on leaving a substantial amount in the account ). They said that they are going to cancel the transfer and that I could not transfer the money to my linked account or I should just keep it in the Marcus account.
I also tried to set up an account with my Mother in Law and it was a nightmare. Went through all the steps and they said that she was denied for not apparent reason as she has great credit and other bank accounts with no issues ( I believe because we were taking advantage of their promotion giving the referring person and the new customer an enter 1 % on the account ) They finally said I could transfer money only into the same account I transferred it in but I would have to start the process again from the beginning. They were acting like it was their money and that they would tell me how I should be using it.
I have been reading more an more articles regarding folks trying and failing to get their money out of Marcus savings accounts.
You request the account number but they locked my account and I do not have access.
Thank you, XXXX
|
| 06/03/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have about {$14000.00} in my XXXX XXXX 's " XXXX XXXX. '' I have been trying to withdraw for over XXXX weeks now. I've called and called and called. I have been told they can't verify my mobile number, saying it's a prepaid phone number. This is my only mobile number. This is wrong, almost sounds weak to me. I have a post paid XXXX XXXX number and I haven't ported my number recently. I've had this mobile number since 2011.
" We can't send validation codes to prepaid phones, '' I was told. I replied, " It's NOT a prepaid phone line, I have post-paid XXXX XXXX '' Nonetheless, I offer any other information to jump through this hoop. " Nope, that's the only way, but I'll file a case for you and someone will call you back. '' After XXXX weeks and numerous follow-up calls, I keep getting the " I'll file case and someone will call you back. '' I'm extremely frustrated since I keep hitting this brick wall.
I need part of this $ for a car down payment. No one at XXXX seems to care. This is my money, I've offered any validation data they need, if it's indeed a security issue. I feel they don't want to give me my money, honestly. What gives??!?!?!
Please, please help My, again MY money is being held hostage for no reason!!! No one will actually help me resolve this and the issue ( from what I've been told ) seems to be on their part. MY PHONE NUMBER IS NOT PREPAID. Nonetheless, there should be other alternatives for validation.
XXXX " XXXX XXXX XXXX
|
| 02/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied for a loan with XXXX by Goldman Sachs in XX/XX/XXXX to which I was denied a loan and received a Notice of Adverse Action. I waited some time to re-apply in XX/XX/XXXX and was denied yet again. I waited until XX/XX/XXXX to re-apply again and was declined again. I called into their customer support number at XXXX on XX/XX/XXXX where I spoke to a representative who informed me that my " re-apply '' date depends on the reasons for which I was being declined. I asked him to give me a specific re-apply timeframe to which he could not because " their reps are not able to see the reasons for which an applicant is declined. '' He then proceeded to tell me he was able to retrieve the letters that were sent to me, which indicates, to me, that he had access to the information I was requesting. He escalated my call to a manager who told me the reason why I was unable to re-apply was due to " time too recent between last application decline. '' I then asked the manager to provide me with the original reason as to why I was declined since she was apparently able to see those reasons. Well, " she couldn't discuss those over the phone '' and didn't have access to them since they were archived. So, to be clear, they started out telling me that decline reasons could not be shared ; then they were able to be shared ; then " certain '' decline reasons we unable to be shared. That seems deceptive and clearly not being upfront with the customer 's information.
|
| 02/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
This is a follow-up on my earlier complaint with CFPB ( Complaint # XXXX ).
On XX/XX/XXXX I called Goldman Sachs / Apple Card Services to make payments to my account since I had been unable to access account since XX/XX/XXXX after I called to dispute the error on my credit card statement. I also requested my XXXX credit card statement to be sent to my address since I couldn't access it ( given no access to my account online or on the apple wallet ).
I received my XXXX credit card statement on XX/XX/XXXX. Upon review, I noted the following : 1. My XXXX balance is still showing that I purchased 2 ( XXXX ) XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX instead of 1 ( one ) XXXX that I purchased per Order # XXXX.
2. I was charged an interest fee of {$22.00} based on the erroneous balance of {$1200.00} ( this has been incorrect since XX/XX/XXXX when Apple/Goldman added a product that I did not purchase on my balance ).
It has been over 2 months since I notified Apple/Goldman Sachs about the error on my credit card statement but they have refused to update my statement and continue to charge my interest fees for an amount that I do not owe, and to report an incorrect balance to the credit bureaus. I have attached the following : - a copy of the XX/XX/XXXX credit card statement, - a copy of the XX/XX/XXXX credit card statement, - a confirmation for the XXXX purchase referenced ( Order # XXXX ) - a confirmation of the successful trade-in per Order # XXXX
|
| 07/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I scheduled a monthly-balance pay in full payment of {$13000.00} to my Apple Card by Goldman Sachs XXXX Apparently I also accidently scheduled an additional payment for {$8300.00}. While the payments were still pending on XX/XX/2023, I called Apple Card Support at Goldman Sachs and told them I needed to cancel the {$8300.00} and only meant to pay the {$13000.00} to avoid interest. They said that wasn't a problem and submitted a " payment inquiry '' and said the {$8300.00} would be cancelled and not to worry about it. Then both payments came out of my checking account, the {$13000.00} was sent back as insufficient funds. I was then charged interest. I reached out again via Apple Card XXXX Text on XX/XX/2023 and said I was told incorrect information costing me interest. They said they will submit another " payment inquiry '' and fix it and refund the interest charges. This never occurred. I called a few days later again and they said all of that information was correct and there is nothing they can do about it. I was charged {$120.00} in interest, and another {$75.00} in interest is pending, when I never carried a balance over from a prior month before and never paid interest. I need the interest charges back and I need the balance to stop revolving. If I would have been told correct information I could have transferred money from my savings and avoided the fees. They gave me incorrect information, costing me fees. I believe this is against UDAAP.
|
| 10/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My account was hacked XX/XX/XXXX for {$86.00} at XXXX XXXX and then {$0.00} at XXXX ( the card was frozen and I immediately report the transactions ). I was clocked in at work, driving out of the state at the time these transactions were made. I submitted the dispute and apple came back saying I was responsible for the charge. They did not let me submit any evidence and said they would mail me the evidence the merchant submitted. I submitted the charge again for fraud and it is still pending. XXXX released an update because they had a data leak that got peoples apple cards hacked. I updated my XXXX, changed my virtual and physical card number as well. On XX/XX/XXXX my card was charged {$0.00} at XXXX. I submitted this immediately as fraud. I went through apples steps of changing all my card info again and turning on the advanced fraud alert. On XX/XX/XXXX my card was attempted to be charged {$32.00} but declined. I submitted this immediately as it was fraud. I actually stopped using this card in XXXX due to all the hacking issue that was unresolved from XXXX. XXXX told me all I could do was change my card information AGAIN, which I did. They told me that hopefully I wont be hacked again and Im not responsible for charges I did not make. However the refuse to give me any information on the party city purchase. I had to asking again for the evidence from the merchant. I do not know what to do. I have never had this many issues with a credit card.
|
| 06/03/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Filled out online application with marcus.com ( Goldman Sachs Group , Inc. ) for their High-yield Savings Account on/about XX/XX/2021. Received message that they " need a bit more information before we can continue the review of your application ''.
Realized this might be due to credit freezes that I have implemented at all three major credit bureaus, so I temporarily lifted the credit freezes at the three major credit bureaus.
Called the bank on XX/XX/2021 to complete the application process. Was denied an account, and was told that I could not be provided a reason for denial. Terminated the call.
Performed research to find that I am due a reason for denial per the Fair Credit Reporting Act. Called the bank back on XX/XX/2021 and requested to speak to someone about the reason for denial, based on the requirement for the bank providing that information to me per the Fair Credit Reporting Act. Supervisor XXXX told me at approximately XXXX XXXX on XX/XX/2021 that their decision is not based on credit reporting, therefore they are exempt from the Fair Credit Reporting Act. They were unwilling to provide a specific reason for their denial, citing company policy as the reason. They were also unwilling to provide opportunity to provide additional information in order to better verify information provided in the application. Supervisor XXXX stated specifically that their decision is not based on information provided by credit reporting agencies.
|
| 08/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
Marcus-Goldman Sachs purchased the XXXX XXXX accounts from XXXX XXXXXXXX and I was told ALL data from XXXX XXXX was transferred to Marcus-Goldman Sachs as part of the contractual agreement. The transition was supposed to be finalized in XX/XX/XXXX. I recently needed some historical information on my account from XXXX and I am unable to access statementsthrough my Marcus account online older than XX/XX/XXXX. When I called Marcus-Goldman Sachs , I was told they do not have any historical statements from XXXX XXXX older than XX/XX/XXXX. When I called XXXX XXXX, I was told that ALL the information was transferred to Marcus-Goldman Sachs . I do not believe I should be stuck in the middle of this back and forth between these two large financial institutions that have the resources, IT departments, backup tapes, etc. to rectify this problem. All I need are my historical statements. I was encouraged to go paperless, therefore, do not have any paper statements since XXXX. I was also told by both Marcus and XXXX XXXX not to worry about downloading all of the statements because they would be available online through the Marcus Website once the transition took place. Perhaps this is part my fault for believing both Marcus and XXXX XXXX, but as a consumer, I should be able to have some faith in the companies I do business with to be telling me the truth -- especially large and supposedly reputable companies that are dealing with my financial transactions!
|
| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify.
First of all, this account is reporting me twice in my credit report with different names, seriously affecting my credit history.
I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history.
This account presents inaccuracies in the 3 most important credit reports, giving a report only in XXXX.
This account was disputed with your agencies in the past due to a charge that they generated for something that did not correspond to me giving an extremely high amount, which I do not recognize from this account at all.
Attached you will find all the information corresponding to this dispute.
For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me.
I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate.
I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response as soon as possible.
|
| 03/15/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
After my previous complaint regarding my CD maturing and the wire not promptly sent out by Goldman Sachs with accurate account information, I learned yesterday XX/XX/23, that without notification to me, or online banking, or through the mail, Goldman Sachs reversed my wire and created a new CD. Did not notify me. When continuous calls were made by both myself and the receiving institution regarding the wire, Goldman Sachs finally wire the funds on XX/XX/23. However without any notification, for their admitted error, they withheld a penalty of {$830.00} for " early withdrawal of a CD ''. A CD that I never created. As of my phone conversation today XX/XX/23 I am waiting for my issue to be reviewed in the " que '' and consideration for my " penalty charge '' to be reviewed. I didn't have a CD. My prior CD renewed on XX/XX/23 with closure and wiring instruction. On XX/XX/23 when this didn't happen, new and complete wiring instructions were given to both my savings and my CD. On XX/XX/23 my savings was sent $ XXXX however the $ XXXX was not. It took call after call and finally my CD was wired on XX/XX/23 {$830.00} less. No explanation, no statement, no pending account information, no history of interest accruing while being held at institution. Absolutely no customer activity available for me to see online. I am still waiting on a Supervisor or manager phone call. No ability to escalate. {$830.00} in FEES for a Goldman Sachs reoccurring error.
|
| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This account is validated as mine However, this account incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across XXXX, XXXX, XXXX. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately This account is incorrectly reporting that I still owe a balance. On my XXXX report from XX/XX/XXXX the balance due on this account is {$0.00}. XXXX REPORTED ACCOUNT MEETS FCRA REQUIREMENT EVENTHOUGH CHARGE OFF HAS A BALANCEXXXX XXXX has lates on a charge off account. XXXX HAS LATES ON A CHARGE OFF ACCOUNT PLEASE REMOVE THESE ACCOUNTS THIS ACCOUNT HAS BEEN ILLEGALLY REAGED AND THE BALANCE HAS CHANGED FROM XXXX TO XXXX WHEN THE BALANCE SHOULD BE XXXX IF ITS A CHAGRE OFF ACCOUNT. THE CREDITOR REPORTED XXXX BALANCE FOR XXXX AND XXXX IN XX/XX/XXXX THEN UPDATED THE BALANCE TO XXXX AND IS damaging MY SCORE AFTER I ALREADY DISPUTED THIS ACCOUNT AND REQUEST THE BALANCE TO BE XXXX XXXX FAILED TO UPDATE THE STATUS OF THE investigation ON XX/XX/XXXX XXXX CONTINUED TO REPORT COLLECTIONS EVERY MONTH SINCE XX/XX/XXXX ON MY REPORT ADN REAGED, MY ACCOUNT ILLEGALLY
|
| 07/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I inadvertently must have used an Apple Card when buying a new XXXX a the Apple store back in XXXX of this year. I thought I used my click to pay feature on my phone using my XXXX XXXX ( which is paid off monthly ), but the phone for some reason chose and Apple Card from my digital wallet.
I find out in XXXX that the Apple Card was used and of course I never paid it off b/c I didn't know the charge happened on an Apple Card. My XXXX XXXX every month is $ XXXX $ XXXX, again paid off monthly so I wouldn't have noticed a {$1500.00} phone. I called Goldman Sachs onceI saw on my XXXX report that I had a 30 day late notice. I paid the phone off and asked to close the account. My credit score has always been above a XXXX XXXX, with that mishap I went down to a low XXXX XXXX.
I just today XX/XX/23 looked at my credit and I now have a 30 and 60 day past due on the same card. I called customer service and they said it was continued interest. I get 100 's of Emails a day and have never been on the lookout for a bill from Apple Card. All my bills get paid in full monthly on auto draft. I am now down to a XXXX XXXX score and Goldman says they will not do any goodwill reporting to fix my credit. I have had ZERO late payments in 15 year... not I have 3 from this company.
I have now put a autopay on the Apple Card so any other rolling interest is handled, but I just want the 3 bad reports to be reversed and for my credit to go back to a XXXX XXXX
|
| 06/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I have opened an Apple Card which is ran by Goldman Sachs. I attempted to make a purchase for my fiance 's engagement ring as we'll be going on a trip to Oregon soon, so I can propose. My card transaction was declined on XX/XX/2023. I only know that because the vendor contacted me telling me the card was declined. Goldman Sachs did not make any attempt to notify me of the declined transaction through any means.
I texted the customer service line via XXXX on XX/XX/2023, they told me the account was under investigation and could not provide any details, only that indeed, the credit card transaction was declined.
I then contacted customer service via phone on the same day, XX/XX/2023 and asked about the transaction. I was told the same thing, the account is under investigation and they can't give me details.
I was not told why was my card declined, why was I never notified that the transaction was declined, why and what am I under " investigation '' for, and why am unable to use the credit card at all now, until this " investigation '' is " closed ''.
They also told me the " investigation '' may take 10 days, but it may be less or it may be more, which provides absolutely 0 useful information.
I basically received a hard credit inquiry to open up a credit card that I can not use, and I receive absolutely 0 communication from the bank that I opened it through. There seems to be exactly 0 accountability on the part of Goldman Sachs
|
| 10/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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|
Goldman Sachs credit card ( for Apple ) is falsifying credit card dispute investigations, so that they can deny the disputes, and not follow the rules of engagement for XXXX!!!!
XXXX XX/XX/XXXX : i made a purchase for my XXXX pool heater display part via website XXXX XXXX XXXX XXXX XXXXXXXX? XXXX > never received an order confirmation email and never the purchase that was very much needed >. filed a dispute with Goldman Sachs. The website was a fraud and no longer accessible by this time and the address for the transaction posted on my statement was false! I provided GS with the URL and screenshots of the product order.
TRANSACTION ON STATEMENT : " XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX '' > over two months later, I received an email from Goldman Sachs telling me my dispute was denied based on proof that I recvd my purchase. Of which is 100 % falsified!!!
> I've escalated four times with their " representatives ''. I have been promised the dispute was re-opened and I will be contacted., then later promised they were mailing me copies of everything, I have been denied a phone call from their security/investigation department. I have been denied a return phone call from their customer advocacy department or mgmt. And the mastercard charge has been put back on my credit card!!
as a matter of fact, I spent the entire summer still looking for the part I needed. And found it in late XXXX. I can provide proof of that too if needed!!
|
| 12/13/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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Sunday ( XX/XX/XXXX ) - I notice my account is locked. I call Marcus by Goldman Sachs and they have the account unlocked. I go to my account to transfer money and it says there are technical errors and to try again in a few hours.
Monday ( XX/XX/XXXX ) - I am still receiving the same error so I open a chat. The chat representative tells me I have a no debit hold on my account. They tell me to call XXXX Tuesday ( XX/XX/XXXX ) - First call : I call at XXXX and explain the situation. After waiting an hour, she informs me that there is a garnishment placed on my account. Then, I call the IRS and I'm informed that it shows no debt on my account ( both through the IRS and private ).
Second call : I call and within 10 minutes, the representative tells me I have access to my funds. I hang up and immediately try to transfer money and get the same message.
Third call : I speak with an agent who takes 30 minutes to tell me that I have a garnishment on my account. Then, I have to wait another 30 minutes to speak to a supervisor who told me to check my credit with a credit bureau.
After checking the credit bureau, there is still zero sign of any debt that I am unaware of. All loans and credit cards have been paid off on time. Marcus has been completely unhelpful in getting me the information or source of the garnishment. In total, I spent over five hours on the phone trying to figure out this problem today and I still have zero answers.
|
| 06/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
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|
Dear Sir/Madam, I am writing to lodge a formal complaint against Goldman Sachs Bank USA concerning my Apple Card account, which was opened on XX/XX/XXXX.
Following the opening of this account, I did not receive any copy of the Apple Card Customer Agreement, which is required to contain key information about my account such as the terms of interest on new purchases, details regarding the prime rate, the arbitration provision, and other important terms and conditions.
To my understanding, this may constitute a violation of the Truth in Lending Act ( TILA ) and the Credit CARD Act of 2009. These Acts mandate that credit card issuers provide clear and conspicuous disclosures of the account 's terms and costs to the consumer. I believe the non-disclosure of such important information has deprived me of my right to be fully informed about the financial product I have purchased.
The lack of disclosure has resulted in an unfair and deceptive practice that hampers my ability to make informed decisions regarding my finances. I hereby request the CFPB to investigate this matter, enforce necessary actions against Goldman Sachs Bank USA for any potential violations, and ensure my rights as a consumer are upheld.
I am prepared to provide all necessary documents and records in my possession to support this complaint.
I appreciate your time and consideration of this matter and anticipate your prompt response and resolution.
Sincerely,
|
| 01/08/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I have presented Goldman Sachs Bank USA with disclosure of concerns pertaining the fraudulent use of my XXXX account. I have notified that I have been a victim of identity theft. Goldman Sachs has noted that I did not authorized the debit of my savings account in any form.
The account was compromised and debits continue to be made to the account after having reported several times fraud as their department failed to prevent the unauthorized party to continue to make debits to the account.
I have presented my concerns once again to a XXXX, who did not address the concern of fraud and identity theft appropriately. I have requested that the monies that were debited from the account as a result of fraud be credited to the account. I have been able to regain online access to the account after requesting to have reset my username and password. I have presented the enclosed affidavits. There has been to this date no mitigation of losses. I request that you close the account as your poor practices have remain unable to support victims of identity theft and that you act appropriately conducting an investigation that considers the affidavits that I have been sent after your denial to my RegE claim.
I request your understanding in resolving the unauthorized use of my information to request services and towards debits that I did not recognize. If you may offer the support that I need to resolve this matter, I would appreciate it greatly.
|
| 03/01/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
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I had a savings acct and a CD with XXXX by Goldman Sachs. On XX/XX/XXXX instructions were given to close and wire my savings acct funds ( over 6 figures ) and then also, on CD renewal XX/XX/XXXX, close and wire those funds as well. After a 4 hour call on XX/XX/XXXX neither wire transfers had been initiated. I immediately asked that the accounts be combined and wired. On XX/XX/XXXX the savings account funds were sent but not the CD funds. Each time I would inquire the excuse was they got a account number on the wire incorrect. The receiving bank would initiate contact with no response from Goldman Sachs. This bank is externally linked to my account with Goldman Sachs. I have requested a call back on 5 occasions from anyone with XXXX. No one has attempted to call me. Every business day since XX/XX/XXXX I have contacted XXXX with Goldman Sachs and constantly got the run around. It is XX/XX/XXXX and instead of calling me with their error, they redeposited my funds in a new CD without my consent. I am now currently on hold requesting the wire yet again. I have instant chat conversations and multiple names and call logs with Goldman Sachs. They will not give me any supporting documentation of the activity of my funds since they closed the CD on XX/XX/XXXX. When I was told the account number was wrong, I asked what information they had so I could correct their mistake. Again, phone agent couldn't support any of the history of the funds.
|
| 10/05/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
This concerns interest charges that are being applied to my account, and which contradict the advertised interest rate ( i.e. no interest ) for which I was qualified and for which I was approved at the time the device was purchased using the XXXX Card credit card. Below is a summary timeline of the transaction.
XX/XX/2020 : I purchase the XXXX XXXX XXXX from the XXXX XXXX at XXXX using the XXXX Card, and opted for the 24-month installment credit option.
XX/XX/2020 : I contacted XXXX to obtain support because the phone would not successfully complete the second SIM card set up. XXXX directed me back to XXXX.
XX/XX/2020 : After unsuccessfully trying to configure the device at the XXXX retail store, I returned to XXXX to request a refund as I was frustrated. At that point, the manager directed an associate to switch out the hardware.
The XXXX associate refunded the original transaction, and then completed a new sales transaction using my XXXX Card details.
The new hardware worked as expected. Since those transactions were completed, it has come to my attention that my Apple Card account is charging interest, and it is not on the 24-month interest-free installment plan that I thought I was getting.
All indications suggest that the XXXX sales associate who processed the return on XX/XX/XXXX, did not set up my purchase the way the original purchase was done, thus causing my account to be subjected to interest charges.
|
| 09/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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You closed my previous complaint against Apple Card ( XXXX ) without even giving me a chance to respond, which is incredibly rude. I never said that I did not conduct the courses, and I never said that I did not receive a certificate. In fact, I could create a website right now and issue courses and certificates as well. Does that make me a legitimate ACCREDITED institution? This is my argument, and it has been all along. I found this website online and it looked like a good way to earn my XXXX XXXXXXXX XXXX XXXX XXXX, however my company does not accept the " piece of paper '' that is being pawned off as a certificate because it is not from an ACCREDITED institution. As in, most XXXX courses are held at nationally or regionally accredited colleges and require green belt and black belt projects. This website offers none of this. It's a certificate mill. It is part of the greater fool theory.
If Apple Card and the CFPB is not intelligent enough to understand my argument of accreditation, then I will need to escalate to legal means. As I am one of the four primary plaintiffs suing XXXX XXXX and XXXX XXXX XXXX XXXX at the moment for $ XXXX, I have no problem doing that. It seems quite petty that I can not get a {$500.00} BS charge removed. Pretty low-end for someone with a seven-figure net worth to even be dealing with, but I will not be paying it at all out of the principal of the matter. What do I need a credit score for?
|
| 07/05/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened an Apple Savings account ( Goldman Sachs, GS ) in XXXX of this year ( XXXX ). I funded it with money from various other savings and checking accounts ( XXXX XXXX XXXX XXXX XXXX XXXX ) I own due to the better interest rate and advertised ease of use offered by GS.
I am now trying to access some of those funds by transferring them to my checking account ( XXXX ) but I am being told I can not move those funds. I am told I can only move funds back to were they came from originally, for XXXX days post initial deposit. I no longer use the original savings account ( XXXX ) I used to move most of the funds to GS. Moreover that XXXX account is not " linked '' to my GS savings account so I can not initiate a transfer.
This GS savings account was promoted as transparent and easy to use. I planned on using this savings account as an emergency fund, easily accessible and with funds available to me within a reasonable amount of time ( XXXX business days ). I spoke with customer support today ( XX/XX/XXXX ) who told me that I would have to wait XXXX more weeks to access my funds without other recourse. Asked to speak to a XXXX but I would have to wait another XXXX business days, without resolution in sight.
My funds are being held hostage by GS.
Moreover I placed the order for transfer on XX/XX/XXXX and lost out on XXXX days of interest while by money was still being held by GS. This ought to be fraudulent and extortion.
|
| 03/02/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
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The problem started when I tried transferring XXXX out of my account to one of my accounts because I decided I didnt want to have my money in the marcus savings account anymore. The next day I got an email saying that they have been trying to call me but I never received a call. My account was locked. That was XX/XX/XXXX. I called them and they told me that I would be sent an affidavit of identity to confirm my identity. I filled that out and had it notarized and sent it back on XX/XX/XXXX. I didnt hear from them at all. I called them today XX/XX/XXXX. I was told they received it from what I heard. I was then told that my account would be closed for reasons I can not be told and I would receive something else in the mail in another week or so. Im not sure whats coming in the mail because I cant remember exactly what they said to me. Now I have to wait longer to get my money back. They didnt communicate this information with me through email or anything. I had to call and figure this out. Im not sure why they couldnt have just unlocked the account and let me transfer the money out. All I want is my money back and this process is taking an extremely long time. Im not sure how many more things have to be sent to me to get this figured out. I confirmed my identity like they wanted me to do and I still have to wait longer to get my money. It doesnt make any sense and this has been a tremendous stress to me over the last month.
|
| 11/22/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I was advertised a pre-approved offer for a $ XXXX GM XXXX XXXX credit card by Goldman Sachs. I was told that I must submit a state ID to finalize my approval.
Goldman Sachs received my documentation both via the " upload documents '' section of their own website and also in a complaint made on CFPB.gov ( XXXX ).
In both instances, Goldman Sachs knowingly and willingly made false statements stating " Unable to verify identification information '' in regards to my credit card application which is a violation of 15 U.S. Code 1611.
Goldman Sachs has the ability to use other methods outside of using my state-ID to verify my identity, including sending a 6 digit code to a phone number in my name, or asking me multiple choice security questions in accordance with public record, but has chosen not to do so, although federal law requires them to!
Goldman Sachs falsely stated " The Bank conducted an investigation and confirmed no Bank error occurred. As stated in previous responses, and according to the Bank 's records, the Consumer submitted the most recent application on XX/XX/2023. As part of the application process for the GM XXXX XXXX, the Bank conducted a review to research any red flags identified and to verify the identity of all applicants. '' No investigation occurred, the documents requested were sent to Goldman Sachs and obviously have not been reviewed, or the person reviewing the documents has poor eyesight.
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Our XXXX XXXX XXXX XXXX Credit Card for our company XXXX XXXX XXXX is being reported on my personal credit instead of our business credit report.
In XXXX we fired our management company that managed our real estate and they stole our checks. The ex management company proceeded to commit bank fraud daily and make our business account go negative daily. XXXX XXXX XXXX would replenish the funds, but we were in a constant flux of negative days for over a month. This ex management company continued to steal funds or attempt to steal funds daily for over a month.
Once we froze all the accounts for this to stop I noticed our XXXX XXXX XXXX account automatic payment of {$200.00} was not paid and I promptly paid. Due to the fraud and chaos of this active assault on my company our automatic payment bounced and was late. This happened due to the bank fraud of our prior management company. We have never been late and have all of our accounts on automatic payment to make sure we are on time.
I have asked the company to please properly report this on our business credit and to have mercy, due to the situation and to please not report us as late due to the bank fraud on our account. The first credit dispute was unsuccessful and we have reopened a second dispute.
This account should be reported on our business profile and not on my personal credit. I also wish for them to remove the late payment to the extenuating circumstances.
|
| 03/07/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I made an online purchase from XXXX XXXX. I used my Apple Card to make the purchase, in the amount of {$100.00}. When I received the item I ordered I was not able to use it. It was wireless headphones and I was not able to sync the headphones with my bluetooth. I requested a return from XXXX and sent them back on XX/XX/XXXX. I tracked the return through XXXX and the package was received received by the XXXX XXXX XXXX on XX/XX/XXXX. When I did not receive a credit from XXXX I called XXXX on XX/XX/XXXX. XXXX and was told that if I did not receive the credit by XX/XX/XXXX to call back. When I still did not receive a refund I called XXXX and was told they would do an investigation to find out why I did not receive a refund. On XX/XX/XXXX I received an email from XXXX stating they were refusing a refund.
On XX/XX/XXXX I initiated a dispute claim using the XXXX XXXX app on my phone. I received a temporary refund of {$100.00} for the amount of the purchase. On XX/XX/XXXX I received an email from Apple Card Support telling me that XXXX stated they never received the item and I was being charged for the purchase. When I initiated the dispute on the app I had to answer a few questions, one of which was if I could provide documentation to support my claim. I answered Yes and they stated that they might request the documents in the future. They never contacted me or gave me the opportunity to submit my documentation.
|
| 09/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
On our about XX/XX/XXXX, I attempted to complete a mortgage application with XXXX XXXX to refinance my home loan. On or about that date, I was informed that my credit report contained a new delinquency that would prevent any refinancing. Specifically, my credit report indicated that an XXXX XXXX was taken out in my name for more than {$7000.00} in XX/XX/XXXX, that the issuing financial institution, Goldman Sachs Bank, closed the account in XX/XX/XXXX with an outstanding debt amount of more than {$15000.00}, and that GS Bank reported a delinquency on my credit report in XX/XX/XXXX.
I have never owned an XXXX XXXX, have never received communications about any such card from XXXX or Goldman Sachs Bank -- account statements or otherwise -- and had no knowledge that any such debt existed, was charged off, or reported. I have pulled my credit in the past two years and monitor it actively on XXXX XXXX and this XXXX XXXX did not appear on my report. I first learned of this through XXXXXXXX XXXX XXXX summary of my credit report.
The mortgage broker at XXXX XXXX, XXXX, gave me contact information for Goldman Sachs Bank. I contacted Goldman Sachs Bank on XX/XX/XXXX and reported the identity theft. The person I spoke with also gave me information for credit reporting agencies, who I contacted between XXXX XXXX ( XXXX, XXXX, and XXXX ). They are currently conducting investigations about the GS Bank items on my credit report.
|
| 03/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2022 I cancelled my " 7 day '' free trial with XXXX. I did so by calling their customer service line, and all was good in the world. A few days later, I see a {$100.00} charge from XXXX XXXX XX/XX/2022 charge ) on my Goldman Sachs " Apple Card '. No worries, I am protected here as a consumer. I file a dispute, and soon after, the findings rule I was in the wrong, per Goldman Sachs. Their backup is frivolous. It shows a trial period ending in XX/XX/2022! My seven day trial was not back in XXXX, they also failed to show me my signed contract with them ( does not exist ), heard they said there was one, which is a lie. Also, their back-up proves my story, that I used their service just once, and right when I said I cancelled you see my data usage drop off. XXXX 's backup proved it. Yet Goldman Sachs ruled against me.
I told all of this to Goldman Sachs, and each time, same song and dance, I dispute the charge, and XXXX gives the EXACT same backup, and I expand and expand.. providing more backup as to why this charge is frivolous and baseless, and requesting documents from XXXX ( through Goldman Sachs ) and nothing ever comes of it, and I keep getting my dispute denied for the same reasons. " Justified charge '' ... without an explanation, which is wrong. My rights as a consumer for fair charges has been broken, and for proper justice & detailed explanation as to why my dispute is denied, also is not occurring.
|
| 09/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
This involves Apple Card/GoldmanSachs . On XX/XX/2022 my bank ( XXXX ) processed a payment of {$3200.00} which I did not initiate. Strangely, on XXXXGoldmanSachs Bank put an entry on my Recent transactions ledger, showing the amount of {$3200.00} Declined by XXXX ( in red ).
I called GoldmanSachs right away when I realized this, but I was told that the money never reached them and that I should inquire with XXXX. I did that but was told that GoldmanSachs has not returned the money. I I called GoldmanSachs again to find out that it would take up to 9 business days for me to receive the money. I kept checking daily to see if the money was returned, to no avail.
Finally, I went to my bank where after a thorough investigation, I was provided the ACH trace number and was told that GoldmanSachs still has the money. Again, I called GS where I was connected with a manager who told me that he set up the case for me. After another call today, I was told that the money will be returned as a check and it will take up to 9 days. I asked about my payment due date which is tomorrow, but I was told that no accommodation can be made.
So, GoldmanSachs has been enjoying my money since XX/XX/2022 and is planning to enjoy for 9 more days that is a total of 27 days for FREE!!! I have to come up with funds to cover my Apple Card bill tomorrow because I have to keep to the demands of GoldmanSachs, while that very bank does what it wants.
|
| 07/03/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I am a victim of identity theft. I previously created a complaint against Goldman Sach 's bank. After communicating with XXXX XXXX at the Consumer Financial Protection Bureau again today over the phone I was told to create a new complaint. After I became aware that I was a victim of identity theft I notified the creditors that had opened accounts online fraudulently in my name. The only financial institution that has not removed the fraudulent accounts from my credit profile is XXXX by Goldman Sachs. After putting in writing through the CFPB portal that I want to only communicate in writing Goldman Sach 's did not honor my request and called me on my parent 's phone number. I was instructed to file a complaint with the FCC for the phone harassment which I have now done as well. Goldman Sach 's sent me a packet to fill out and requested that I mail it back to them. I will not be mailing it, however I will upload it to this portal so that their actions may be monitored by a federal consumer advocacy group since they have proven to be such predatory and unscrupulous bankers in their attempts to harass me about a loan I did not request, receive or benefit from in any way. I have attached the filled out packet to this portal. I previously provided Goldman with proof that I did not even reside at the address they have on the loan documents. The proof I provided was a signed executed lease agreement at my current residence.
|
| 11/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
On XX/XX/XXXX an approved charge was made to my account in the amount of {$2500.00} USD. Subsequently, I paid my credit card balance in full on XX/XX/XXXX in the amount of {$3000.00} USD. The merchant later refunded my initial purchase of {$2500.00} USD on XX/XX/XXXX leaving my account with a large credit balance of {$2500.00} USD.
After speaking with multiple representatives via phone and chat, I understand a technical glitch exists in their system that does not permit me to be issued a refund check for the overpayment ( credit balance ) because of a payment installment program I have for unrelated merchandise that will complete sometime in XX/XX/XXXX. Although the payment installment plan allows for an early payoff, Goldman Sachs can not process this because of the existing overpayment. I was informed that my only solution was to allow the installment plan to complete naturally in XX/XX/XXXX and then request a refund check for any remaining amount.
Although I understand the technical limitations involved, neither reason should prohibit the exercising of my rights guaranteed by the FTC : promptly credit or refund overpayments and other amounts owed to your account when your account is owed more than XXXX XXXX. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request.
Today, XX/XX/XXXX I send a certified letter requesting this refund check be processed.
|
| 11/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
XX/XX/20 I made a purchase at XXXX for {$2800.00}. After shipping delays, I received the wrong item before receiving the correct item and returned it on XX/XX/20 back to the XXXX XXXX physical store XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I was promised a refund. None has been issued to me. XXXX XXXX has a record of my return. I filed a dispute with Apple Goldman Sachs card due to no refund. Apple Goldman Ssachs has failed to investigate this matter instead just simply telling me different reasons over the last 6 months why this charge was valid. They have failed to listen, to document, and to investigate this matter. Per federal regulations, did not acknowledge my complaint in writing. The credit card company is legally required to investigate the dispute and resolve it within 90 days after receiving the claim. I filed the claim on XX/XX/20. I have not received any letter from them and any details to their investigation. They are way past the 90 days. They have reapplied the amount to my credit card and every-time I call I receive a promise of a manager to call me who never does. This is why I am reaching out to the FCPB and requesting your help to recover the original {$2800.00} and the penalty in the same amount for a total of {$5700.00}. Please note Apple has denied to give me my card number and you habe to look me up via my SSN XXXX. Card info : Apple Card - No Fees apply.applecard.apple/ issued by Goldman Sachs
|
| 01/05/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I sent a certified letter to Goldman Sachs on XX/XX/2022. The company has failed to acknowledge nor respond to my concern.On XX/XX/2022, I, XXXX XXXX XXXX, consumer aka natural person was denied an extension of credit by Apple through GOLDMAN SACHS BANK USA. On XX/XX/2022 when I applied for an Apple Card.
I applied for the Apple Card in good faith with the intentions of receiving an Apple Card hence using my credit card ( social security card ). As you may or may not be aware adverse action against a consumer is AGAINST THE LAW according to the Equal Credit opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.
You are subjected to criminally liability for violating 15 USC 1691 as I have proof that I was discriminated against by GOLDMAN SACHS BANK USA due to the response I received.
Since the letter you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. GOLDMAN SACHS BANK USA should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Respectfully, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
|
| 08/23/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
On XX/XX/2021, I received an email from Marcus congratulating me for a new CD account. I called Marcus customer support immediately as I had an old CD account expiring in XXXX and I do not wish to have a new CD. The agent informed me that I was 3 days too late and the CD has already been automatically renewed into a new CD with uncompetitive interest rate under the terms and conditions when I opened the old CD account. I told Marcus that there was insufficient disclosure from Marcus when the old CD was expiring in XX/XX/2021 that it would get automatically rolled into a new account, and this is clearly a UDAAP violation to deceive customers into opening a new account without informed consent. After escalating to customer support manager, I was told that Marcus considered that it was sufficient for them to only include this clause in their terms and conditions when I first opened the CD account a year ago and they did not need to disclose it at the time of CD expiration. I was told by customer support that I would be charged ~ {$19.00} early withdrawal penalty. I consented on the phone of account closure and told them that I disagreed with this fee and would file a CFPB complaint for insufficient disclosure and fees by Marcus on automatic renewal. In addition, Marcus also did not send me any receipt of the early withdrawal penalty it charged my account as the CD account disappeared from its website after closure.
|
| 09/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I made a purchase on XX/XX/24/20 through a company called XXXX XXXX. I purchased rose plants that were ultimately delivered on XX/XX/XXXX. The company has a 1 year guarantee on all plants, and the plants I received arrived dead. I contacted the company and they asked for documentation, pictures, etc, which I provided. The company denied my return claim. I opened a dispute with Apple Card ( through Goldman Sachs ) on XX/XX/XXXX, which was denied on XXXX because Goldman Sachs found that I made the purchase. That was never my dispute - I told Goldman Sachs that I made the purchase, my complaint was that the goods were delivered damaged. I reopened the claim on XXXX, and GS again denied the claim on XXXX because they found that the merchant had provided a credit ( the merchant had not ). I contacted GS and asked for proof that the merchant provided a credit because the credit did not appear on my credit card statement, and they declined to do so. They reopened the claim on XXXX and AGAIN denied it on XXXX. I contacted them on XXXX by phone and the customer service rep said that she was reopening the dispute for me, but it was never reopened. I contacted them again on XX/XX/XXXX and they are now saying that they can't reopen the dispute because it has been reopened too many times. This is due to their incompetence! I am being completely ignored and am being charged for damaged goods. I don't know where else to turn.
|
| 01/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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This is regarding the Goldman Sachs Apple Credit Card.
Apple/GS released this card to the public without making it abundantly clear that account activity would not be reported to any credit bureaus.
It took them 4-5 months to just report general account info to XXXX. They currently have no plans to include any of the other credit bureaus. They are instructing customer service representatives to tell customers that they may potentially report to the other bureaus in the future but have no plans currently. Any deeper inquiry gets shutdown immediately with clearly canned responses.
The entire experience made me very uncomfortable, I probably would not have opened the account if I new this at the point of application, and I am fairly sure it was not included in the account agreement, which they may have updated after the fact.
Apple/GS is not following standard industry practices, is being very guarded and unclear with their customers, and has zero plan to fix the issue.
I am worried about the popularity of this card - think of younger generations who can do whatever they want with this card without any impact to their overall credit score?
This is unacceptable behavior from two very reputable companies, I think it is unfair to consumers and should be addressed immediately, not in the next 3 years. I challenge the CFPB to hold these Goliaths accountable.
Thank you for the attention and time to this matter.
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| 05/12/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
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Web |
Older American, Servicemember |
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I opened a CD account with Marcus Bank. I receive my first statement on XX/XX/2020. It showed a federal back up withholding charge as a percentage of the credited interest for the first statement. I called the company I XX/XX/2020 at XXXX XXXX. I was told that I signed a signature card. I would assume it would be for my protection to have my signature on file. I asked the representative to credit my account. She said that is not possible. I would have to file a tax return to get the withholding back this is a policy for personal CDs apparently it is however not a policy with IRAs The withholding will land when I sign a new signature card. I have never experienced such a procedure with any bank that I have done business with in the last 60 years when I withdraw my RMD from my traditional Ira account, I only say no withholding. This company is making monthly withdrawal of withholding at a 20 % rate of the amount credited for the month. I lose earning power because of that deduction. This is their position regarding errors and I quote - we will investigate your complete and Will correct any errors promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is an error so that you will have the use of the money during the time it takes us to complete our investigation The math : XX/XX/2020 interest of {$170.00} XX/XX/2020 CD Decrease Federal Backup W/H. {$41.00}
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| 05/14/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
|
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I opened an online savings account with Marcus by Goldman Sachs XXXX and deposited $ XXXX. They dropped their XXXX and I attempted to move my money to my XXXX XXXX account. I was later notified by XXXX XXXX that the transfer was cancelled. When I sent to log onto my XXXX account, it said my account was locked and that I had to call XXXX to get it unlocked. I called the number the morning of XX/XX/20 and after waiting on hold for XXXX minutes, finally spoke to a person named XXXX. I asked that my account be unlocked and he said he would not. He said I needed to get on a conference call with one of their specialists and someone from XXXX XXXX. I told him to forget about the transfer and that I wanted immediate access to my money. XXXX refused. I asked for his last name and XXXX refused. XXXX would not unlock my account. I then asked to speak with XXXX 's supervisor. I was again placed on hold for more than 10 minutes. I eventually spoke with XXXX supervisor XXXX. I asked XXXX to unlock my account. He too refused. I asked for XXXX last name or his identification number and he also refused. I asked for his phone number and XXXX refused. I asked to speak to his supervisor. XXXX said his boss is a XXXX XXXX XXXX but that I would not be able to speak to him. Currently, my account is locked and I do not have access to my $ XXXX and I have no way of directly communicating with XXXX or XXXX or anyone else at XXXX XXXX.
|
| 08/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I was sent a third party text link from a stock pick company XXXX This text sent to my phone only had a simple credit card form to fill out for payment. This wasn't completed on the merchants website at all.
When I got access to this information, I immediately requested a refund seeing this isn't what I was told it was to be. This company told me they don't honor refunds. I immediately filed a dispute with Goldman Sachs ( Apple Card ).
Apple Card accepted this companies generic website pages as proof of purchase.
I have asked over and over again for proof of me accepting a no refund policy as again this transaction NEVER occurred on this website, again all done via a third party text message link for credit card input.
They have NEVER provided this proof as you must select the box as agreeing to their terms which again never happened.
Since filing a dispute, this company that took my {$4500.00} has blocked my access and deleted my account. I have supplied Apple Card with this information and they yet refund my money.
I have contacted XXXX many times via email, text, and they won't respond to me. They have again blocked my account, this is FRAUD!!
This XXXX company has FRAUDED me out of {$4500.00} and I want my refund.
I have tried many times resolving this with Apple Card, today I simply asked for my account number so I may include it in this dispute, they refused to provide me with this information.
|
| 01/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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I used the Apple Card ( Goldman Sachs ) to set up an installment plan for a new XXXX. Using the Apple Card provided 3 % cash back and no-interest for 2-years.
I took this deal as an alternative to a similar plan offered by my cell provider.
I recently learned that the University email address associated with the Apple Card ( and XXXX ID ) will be shut down in XXXX. I was able to update my XXXX ID, but Goldman Sachs will not allow me to update the email address. They won't even remove the email address from my account.
All Apple Card notifications go to that email address, including payments due, account balance, and details about the installment plan.
Goldman Sach claims that there are only two remedies.
The first is to close the account, which will affect my credit score and require that I pay the entire {$1000.00} for the phone installment plan.
The second is to allow them to send notifications to the closed email account and " hope '' that they figure it out and send a bill to my physical address. This option will open the door to cyber fraud and ID theft since my personal credit information will pile up on an un-monitored email server.
I can't imagine that I am the only XXXX ID user that needs to change their email address which creates a much larger cyber security threat that just my personal information.
I spoke with various XXXX and Goldman Sachs representatives for over XXXX on XX/XX/2022.
|
| 05/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Older American |
|
We received notice in XX/XX/XXXX that our XXXX XXXX XXXX was being sold to Marcus by Goldman Sachs effective XX/XX/XXXX. We had been XXXX XXXX cardholders since XXXX, and believe that the reason our card was sold was that we never accrued a bit of interest during those 30+ years. We do not want to do online banking and demand a paper statement monthly. XXXX sent us instructions on how to register for the new card. After completing steps 1 and 2, they offered a tab that read " We do paper statements ''. After I clicked on this tab, I discovered that the only option they were offering was online payment of our balance. To continue, they demanded that I enter an account number to be used to pay our monthly balance. They refused to pick up on the customer service number they provided unless we entered an account number, so I abandoned the enrollment process after trying 3 more times to use the customer service number. We sent a check for {$450.00}, our check number XXXX, to XXXX XXXX dated XX/XX/XXXX and XXXX XXXX subsequently cashed it in payment for our final balance with them. An officer at our bank told us that this balance had been transferred in its entirety to XXXX, and that according to out records, we still owed it. Since then we have received numerous emails that our XXXX balance was past due and to complete our enrollment by entering an account number, and then paying a minimum payment of {$29.00}.
|
| 09/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
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I applied and received a XXXX XXXX on XX/XX/XXXX. There were no problems or difficulties initially. I requested and received a physical card. I made my first purchase with it on XX/XX/XXXX for XXXX dollars. This worked without issue. I attempted to make a large purchase on XX/XX/XXXX for XXXX. This was declined. I called in figuring they needed verification. The first woman I spoke to said my account was in review and they could not verify my information. I escalated to her " Supervisor '' whom repeatedly misgendered me on the phone. When corrected, the " supervisor '' stated and I quote, " Ok Ma'am whatever you want to call yourself. '' That was call one. I then contacted XXXX on XX/XX/XXXX. I was informed by apple support that they would get me in contact with Goldman Sachs to resolve the issue. The agent at Goldman Sachs stated that they can not resolve an issue via inbound call so they would arrange a call back. I never received a callback. Subsequent calls to find out a status have been met with a " Don't Call us We will call you '' that never receives a call. On XX/XX/XXXX I attempted to use the inline support through the XXXX App on the XXXX and received the same " Don't call us we will call you. '' response. I will attach the chat log to this image.
Thus far the treatment I have received from both XXXX and Goldman Sachs has been abysmal and in Goldman 's case even included some discrimination.
|
| 02/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On XX/XX/2022, My XXXX XXXX was compromised, and I had to payoff my Apple Card ( Golden Sacks ) account and close it because it was linked with my compromised XXXX XXXX. I was then told that I could apply for a new card using my new XXXXXXXX XXXX, so I did that. After multiple calls and miss leading information that multiple representatives provided me I was so upset and requested to withdraw the application on XX/XX/2022. Perhaps an hour after that I re-applied and patiently waited, and after 2 days the application was declined because of not being able to verify my identity.
My identity was not compromised nor it changed and in both applications that I have applied they were declined because of not being able to verify my identity after providing twice a scanned copy of my drivers license as requested.
When I called Golden Sacks I keep getting the run around and miss leading information. My concern now is that the first original account that was opened and approved with a {$4500.00} credit limit an unexperienced representative reported Fraud in the account and that is the reason why I am constantly getting declined. In addition, because I had to close the original account that was opened that is going to impact my Credit Bureau Reporting and drop my credit score.
I have been miss lead, and bounced around by numerous agents and this is the worse customer service experience that I have ever had.
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| 02/28/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Servicemember |
|
Online savings account opened XX/XX/XXXX and had over XXXX deposited to it other the time it was opened until it was closed by Marcus on XX/XX/XXXX. The balance at closing was {$100000.00} and they closed the account when I started transferring to another bank as their service was horrible. When the account was closed, I received an email letting me know so I called and was told a check was going to mail out to my XXXX Kentucky address even though I had updated my address to my XXXX Florida address but that was OK, that was over 1 week ago. Then I received a letter from Marcus dated XX/XX/XXXX stating the disputed account was closed and to call with questions. I called today, XX/XX/XXXX and after waiting online for over 30 minutes, was finally told that the funds were sent to unclaimed funds and they would check with that area and send out a check now. I asked why this was the case when I was told over a week ago that the funds were being mailed to my XXXX address and the girl just said she didn't know, there wasn't anyone I could talk to and I could wait a couple of days and call back again to see what happened. This is ridiculous and so unfair that I have been waiting for weeks to get my funds and every time I call, I get the run around and wait for at least 30 minutes while the person I speak to who doesn't know anything about my account has to call someone else that tells them to tell me nothing.
|
| 02/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
During the month of XXXX of XXXX I noticed that the wallet application of my XXXX XXXX showed a message indicating that payment was due on XX/XX/XXXX. I normally pay my prior months charges in full before or on the due date in order to avoid finance charges. Prior to me seeing that message I had paid at or before the last day of the month for about XXXX years. I figured they had changed their due date to be the XXXX of the month so I went along with it and waited to XX/XX/XXXX to make the payment. To my surprise they had charge a finance charge of {$71.00} to my account by then. I immediately called and even sent them a screen shot of the XXXX app showing now a due date of XX/XX/XXXX. They promised to look into it. A few weeks went by and I noticed the message was no longer displayed on the XXXX app. My guess was that they fixed the problem. I called again to inquire about my reversal of the finance charge but they stated that they only had a technical complaint about the XXXX app but not a dispute of the finance charges. I immediately logged a dispute but it was denied about a week later stating that no error had been made on their part and that the finance charge would stay.
I have included a screen shot of the XXXX app as it was showing a due date of XX/XX/XXXX the same day I called them which was on XX/XX/XXXX. If I were to follow those instructions I would be changed finance charges again.
|
| 01/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
This letter is served upon received.
It has come to my attention that I am a federally protected natural person as defined under the Truth in Lending Act 15 USC 1602e.
Please be advised on XX/XX/2021, at XXXX pm Goldman Sachs and XXXX willfully and negligently violated my federally protected consumer rights. Goldman Sachs Bank USA and XXXX XXXX are in fact in violation of but not limited to the following federal laws ; 15 USC 1691 d ( 6 ), 12 CFR 202.9 b ( 2 ), 15 U.S.Code 1692d ( 2 ), and 18 USC 1028. I was denied an extension of my credit although I am the original creditor and provided my social security card number and XXXX benefited from the consumer credit transaction and I did not.
I demand you : - grant me an open-ended unlimited credit plan - zero out the balance each month - pay the attached invoice in the amount of {$120000.00} by mail to the address listed- an audit trail mailed to the address listed above those entails the application and consumer credit transaction I entered yet did not benefit from If you do not cease the law violations mentioned above, I will pursue litigation against XXXX XXXX and/or Goldman Sachs Banks USA as 15 USC 1692k a ( 1 ) allows civil liability rewards for any damages, which include stress, mental anguish and other damages caused by violations due to XXXX XXXX and Goldman Sachs Bank USAs deceptive business practices and negligent/willful noncompliance.
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I recently viewed my credit profile and noticed and/or incomplete information and accounts that are unverified. according to the fair credit reporting act 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
It is also my understanding that under the FCRA 15 U.S.C1681i, every single or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged account is to be deleted the FOLLOWING derogatory account allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. The infractions are as follows XXXX XXXX and Account as is reported as having a late payment on my credit report.
{ XXXX XXXXXX/XX/XXXX LATE PAYMENT } { XXXX XXXXXX/XX/XXXX LATE PAYMENT } { XXXX XXXXXX/XX/XXXX LATE PAYMENT } I am demanding that this account be updated to Paid as Agreed and Never Late by the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
|
| 12/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
XXXX, 2021 statement lists total charges, credits, and returns as {$1200.00}, but auto pay took {$1200.00} out of my checking account. Now my XXXX statement says the total charges, etc. are {$1100.00}, but they are planning to take {$1100.00} for payment in full. Both statements say no interest was charged. Every charge that appears on each statement is reconciled by receipts that I have retained. I have no receipts that are not accounted for. I want to know why the payments taken from my checking account are greater than my total charges, credits and returns. Multiple calls to AppleCard have had ludicrous results. The first agent could not find my XXXX statement. The second agent produced figures that were completely incomprehensible. When I asked to speak to a supervisor I was referred only to another agent who could not explain the discrepancies. Finally I was told XX/XX/XXXX, that the problem would be sent to account management and I would receive a call from them within a week. Call did come XX/XX/XXXX, and left a message from " XXXX '' to call back leaving the same number I had already called multiple times. I did call back, was put on hold, and then disconnected. Calling again resulted in two " beeps '' and then a long silence with no connection established. Of course I have cancelled the card, but I am owed a refund on the mysterious overpayments taken out of my checking account on auto pay.
|
| 09/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX, I schedule a transfer from my Marcus Goldman Sachs ( or MGS ) ( the account with the issue ) to take place on XX/XX/XXXX for a total {$13000.00} to my XXXX XXXX account. On Wednesday, I learned that MGS could not verify my XXXX information- which is absurd because not only you are not allowed to add a new linked bank account if it is not verified - let alone go through with a scheduled transfer, but also I did do transfers to that ( supposedly unverified ) account in the past! so the transfer did not go through. Instead of offering to transfer to my other bank account registered with them ( XXXX XXXX XXXX XXXX XXXX ), they also blocked me all access to my account telling me -as evidenced by a recorded call, that my access has been restricted. This is the money I set aside to pay my taxes, which I am having an issue doing. TO add to my stress, no transaction is showing up in my dashboard after XX/XX/XXXX, including withdrawals by my credit cards, vehicle payments, or money coming in such as XXXX from my Employer, which took place on Friday. Since this bank does not have a physical presence ( only online ) effectively I dont have access to my money. In the screenshot attached, you can see that no transaction is shown after XX/XX/XXXX ( although there should be several, as described ), with the exception of another attempted transfer that I initiated today but which did not effect yet.
|
| 10/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
Starting on XX/XX/2021 I tried to add daughter as authorized user to my Goldman Sach Apple card. Had technical difficulties and was unsuccessful. Reached out to company and absolutely no help.
Sometime on XX/XX/2021 I was able to get her added. Tried several times to order her a physical card and was not able to do so. Talked to several different reps and nothing but misinformation.
On or before XX/XX/2021 I received a physical card. I was not able to activate card after several phones calls and text messages with Goldman Sachs.
XX/XX/XXXX contacted again still not able to activate card. Supposedly been escalated to tech support with no resolution.
XX/XX/XXXX contacted again no resolution. Told would be 10 ten more days.
XX/XX/XXXX contacted again no resolution.
XX/XX/XXXX contacted again no resolution.
XX/XX/XXXX contacted again no resolution.
XX/XX/XXXX contacted again no resolution.
XX/XX/XXXX contacted again no resolution.
XX/XX/XXXX contacted again no resolution.
Dates listed are only days I used text messaging. I called many more times trying to get an update and card activated. I am always told someone will call me back and the issue will be handled with in 10 days but no one has called me back or helped me get daughters card activated. I asked for case/complaint number and they said it is against company policy to provide that information. I don't know what else to do.
|
| 12/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
In XXXXXXXX XXXX XXXX XXXXXXXX fraudulent charges showed up on my credit card. My balance was completely paid off before these charges, and no charges have been made since. I reported it immediately. I was told they would file a dispute. They stated they received proof from the vendor that the product was ordered and delivered. I did not order the product or approve of the charges. They sent me a copy that the product was ordered by a XXXX XXXX. My name appears no where on the order. I reached our to XXXX to do some of my own investigation and found out she did place an order through her XXXX XXXX account, she did receive the product but doesn't understand nor do I, how my card was charged for the purchase. I have receipts from where she returned the product to the vendor, a shipping receipt from the XXXX that the package was delivered and received by the vendor, and an email conformation from the vendor that they received the product and would credit the account. My card was never credited. I have been going round and round about with XXXX XXXX XXXX since XXXX and they ruled against my dispute and sided with the vendor. The said the supervisor from the dispute department would contact me to no avail to get this resolved. I now have XXXX late payment against my credit report for money I do not owe. I believe there may be fraud that's taken place on the part of my credit card. Thank you, XXXX XXXX
|
| 05/23/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have been attempting to withdraw {$31000.00} from my apple savings account by Goldman Sachs since XX/XX/XXXX. The transaction has been in a pending withdrawal status for over one week. The banks website states that withdrawal request will be processed within 1 to 3 business days. When I have contacted customer service, they have communicated a five business day timeline. After several calls to customer service in which I was told to wait, a representative informed me on XX/XX/XXXX that my account was flagged and that a hold had been placed on my withdrawal because I had deposited additional funds in the accojnt from a different bank account than my original deposit. I was not notified of this hold. I was told that the flag was cleared and I could expect my funds within two business days, which still has not occurred. When I contacted customer service again on XX/XX/XXXX, because my funds have still not been transferred I was told there is no hold on the account and that I should see the funds transfer within five business days again. When I asked to be transferred to a supervisor. I was told I could only receive a call back and that they couldnt guarantee that I would receive a call back within 48 hours because call volumes were high. This bank has prevented access to my funds for going on 10 calendar days now and has given me no assurances as to when I can expect to receive access to my funds.
|
| 12/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
so on XXXX XXXX i bought an item for XXXX and i quickly wanted to be cancel cause i dont want it as its my right to refuse the item, well this company ignore my request and told me that i couldnt do it and told me that just to sell the item on there website, i told them many times i dont want the item and please just to refund me they still denied me and sent the item either way, i received the item and i return it back to its sender, after i told them that they still refuse to give a refund so i went with my credit card company which is ( apple ) i submitted every single evidence in my part and with that i was calm cause i know i was in the right, i received my email today XX/XX/2022 saying that i lost the dispute and the reason that i lost was because supposedly The evidence we received confirms that all sales were final at the time of purchase like that doesnt make any sense it doesnt matter if there were final i returned the item and they refuse the item so what i am my supposed to do i did everything but they still refuse to give me a refund, other that just sketchy to tell your customers to sell it in your website that just the worst place i resubmitted the dispute and will provide the same evidence i did and the worst of all i need to wait 2 billing cycle to get answer which is really disappointing, please i need your help with this apple is not doing its part as a fair credit card company
|
| 09/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I applied and was accepted for a {$29000.00} personal loan by XXXX by Goldman Sachs on XX/XX/2022, for which I had funds deposited directly to XXXX credit card accounts as well as my personal checking account as there was a requirement to send at least 70 % to credit card debt. I noticed on XX/XX/2022 that the {$14000.00} sent to XXXX XXXX had not been applied to my account. Upon further investigation, I realized that I input the incorrect account number ( the virtual card number for XXXX XXXX used to make purchases is not the actual credit card account number ). Once noticing my error, I contacted both Marcus Customer Service and XXXX XXXX Customer Service on XX/XX/2022. XXXX XXXX told me that since the funds were sent to a unique account number which is only used for purchases and is not assigned to another XXXX recipient account, it will most likely be returned to the originator. Marcus Customer Service let me know that it is too late to do anything and that my loan funds were already sent, offering no option to me or any knowledge whatsoever that the funds will be returned or the matter will be reviewed further.
I will not be paying on a loan for partial funds which were not applied, and I am going through the avenues as soon as possible for documentation and tracing purposes. I sent a formal letter letting Marcus know of this issue dated XX/XX/2022, which I have attached to this complaint.
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2020 {$1900.00} was charged through 8 separate purchases to a merchant named 'Simply Surplus ' to my Goldman Sachs Apple Card . Upon receiving an unusual activity alert I immediately froze my account and called Apple Card. I never lost my card and the customer service representative told me it had probably been skimmed somewhere. They assured me that these charges were in fact fraudulent and that I would not need to pay anything. The customer service representative disputed each charge and said I would be receiving provisional credits. I never received provisional credits for the full amounts of these charges. They were either partial credits or none at all. I have called them every week as I have been going though this and have not gotten anyone to fix it. I recently called and they said one of the disputes had been sided in the merchants favor. The representative stated that this did not seem right as it was clearly fraud. Today there is still a balance of {$320.00} that is gaining interest every month. The 'overdue balance ' is having an extremely negative impact on my credit as it has dropped 200 points. I have called XXXX to file a dispute with them to amend my credit report.
Here are each of the separate transactions charged one after another. After I froze my card several move transactions were attempted under a different merchant name.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I purchased an Apple XXXX XXXX and financed through the Apple Goldman Sachs card XX/XX/XXXX. The phone was shipped to a diplomatic pouch but rejected due to the battery. I confirmed with Apple that the phone had been received by them and requested a refund. Everything was sent to Goldman who instead of issuing a refund, put in a dispute credit. I was given a provisional adjustment of {$870.00} in XX/XX/XXXX and because I called Apple again to confirm the phone was received, I thought everything was settled. However, the monthly installment payments for someone reason re-initiated without my knowledge in XX/XX/2021. I paid {$36.00} without knowing it but caught the next installment payment in my XX/XX/2021 bill. An attempt to rectify this situation with Apple resulted in a 20+ min phone call with Apple where the call center person could not even figure out how to connect me with Goldman Sachs . This convenient demarcation between Apple the store and Goldman Sachs as the financier means that I will have to go through who knows what to get this resolved. I have screenshots of my phone waiting time, the dispute resolution credit, and the reinstatement of my installment payments. My latest call with Apple, which did not solve the issue, happened on XX/XX/XXXX, at XXXX XXXX EST. I was told someone would call me directly from Goldman Sachs. I did not receive a call to continue to deal with this issue.
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| 09/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX6112. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, CA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2.
USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, CA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice.
USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice.
XXXX XXXX Mail XXXX # XXXX ( delivered on XX/XX/2023 )
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| 11/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Around XX/XX/2022, I had a credit card balance of {$420.00} for the apple card. I used another credit card to pay off that {$420.00} ( since they had a promotion ). This is the second time I have used this other credit card to pay off the apple card, and I only do it to pay off an entire balance. Two days later, I received an email from XXXX XXXX informing me that I was invited to their store to purchase a XXXX XXXX I decided I would use the card that Friday for the XXXX, and it was the only big purchase I made on that card. That Friday, I made the purchase which jumped the balance to $ XXXX on XX/XX/XXXX. Since I was buying it for a friend, he sent me most of the money, and I immediately paid off {$340.00}. The balance dropped down to XXXX XXXX. After waiting a week, I noticed that the balance stayed the same because of the payment I made on XX/XX/XXXX. So I called Apple card support the first time, and the woman said everything was correct ( no, it wasn't ). The second time I called, another woman said that the offline payment still needed to register and that I should wait until the end of the week XXXX XXXX for an update. The balance didn't change, so I called a third time ; another woman on the line said the same thing and said she would escalate to her supervisor. I got an email days later stating that my balance was around XXXX XXXXXXXX and the balance shown was correct, which is not.
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| 10/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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I reached out to Goldman Sachs/Apple Credit Card . First of all, no one was available to get on the phone. I had to go back and forth by chat which was quite ridiculous.
Second, I paid my card on time on XX/XX/XXXX. Which was a Saturday. They did not record the payment until XX/XX/XXXX, which is a Sunday.
I was charged interest and penalties in the amount of {$38.00}.
They then claimed that I had to pay my card off in full ( including amounts that were not even due yet ), otherwise they would charge me interest on the entire balance.
When I reached out to a supervisor, they explained that they could not credit my account and had to escalate this to senior management.
Included is the message, I received : I completely understand and in order to be credited there is a review by our management team that is required beforehand.
I understand and would love to provide you the information needed : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Associated the below details will be needed as well : Full name Email address associated with the account Full card number Account number Dollar amount of the suspected error ( if applicable ) Description of the problem Explanation of why the suspected error occurred I recognize that this is not the immediate resolution that you may be looking for, but I did want to provide you with all the information available.
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| 09/17/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Managing, opening, or closing your mobile wallet account
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Web |
Older American |
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I opened an Apple account in XXXX 2020 and never charged anything on it. Some apple charges from my phone went on the account that I was not aware of. The company then proceeded to send digital invoices to an old email account that I have not used in over 8 years, since changing my name. My apple ID had that account as the name of the account, but NOT the email associated with it.
The company then sent email notices only for a few months before finally notifying me by mail of the balance owed. The day I received the notice I called and paid the balance in full. Now the account is reporting a balance due after the account was paid in full. The account is closed, yet it is still being reported as open with the balance due.
With all the email problems that occur, for anyone to limit communication with customers to email only and then send that correspondence to the wrong email should be criminal. It should be illegal to report late payments in this situation and there should recourse for consumers who find themselves in this situation. I have not one single late payment in over 8 years and now this situation can prevent me from purchasing a home. I am more than upset and think Apple not be allowed to offer these services if they are going to create these kinds of situations for their customers. I will sell my stock, get rid of my XXXX, XXXX and XXXX over this situation. This should be illegal.
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| 09/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/20, my XXXX year old son got on to my XXXX. He made 10 purchases of items in the XXXX XXXX without knowing what he was doing. It wasn't until late that night that I received purchase notifications saying that all those purchases had been made. I filed a complaint on XXXX and was denied a refund. I then went to my credit card issuer ( Apple Card / Goldman Sachs ) and stated that these purchases were unauthorized.
On their terms, it states : " You will not be liable for any unauthorized transactions made on your Account. '' https : //www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf In that same agreement, they say that you will be responsible for transactions that occur for people that have access to your device. That is EXTREMELY overreaching. There was no warning when I gave him access to my device.
Any other credit card company ( like XXXX ) would have disallowed these transactions. I suspect because of their affiliation, their relationship has become more important than consumer protections.
I compare this to a child taking your credit card to a store and purchasing things with your credit card. Would you be able to take those things back to the store? Absolutely. Would you get a refund from the store? Absolutely. If the store refused the refund, would you be able to contact your credit card issuer to get a refund? Absolutely.
This needs to stop.
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| 12/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I XXXX, XXXX XXXX a natural person and consumer, recently applied for money, goods or services primarily for personal use on credit with Marcus : by Goldman Sachs . I then received a letter informing me that their organization was unable to approve my application. As a result, they have failed or refused to issue me an account as a creditworthy consumer. As you know or should know, it is prohibited to take adverse action against a consumer pursuant to Equal Credit Opportunity Act codified at 15 USC 1691c for which they may be held criminally and civilly liable for your violations of 15 USC 1642, 1681m and 12 CFR 1002. Pursuant to 12 CFR 1002.7 A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. Please referenced the attached evidence as proof of my application for credit and your refusal to extend credit. Pursuant to 12 USC 1602 ( p ) Marcus : by Goldman Sacks have made unauthorized use of a credit card by utilizing my social security credit card in which I received no benefit. Pursuant to 15 USC 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus Marcus : by Goldman Sachs fraudulently used my credit device to obtain money and provided me no benefit from such use.
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| 11/14/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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My complaint regarding Marcus Goldman Sachs.
I called on XX/XX/XXXX to request a wire transfer of $ XXXX to my checking account on file as I am closing on a house the week after and need to make sure the money is available. I tripled checked that they let me know if there are any issues as this was a time sensitive matter, and they agreed.
Fast forward XXXX XX/XX/XXXX and the wire transfer still hasn't been received. I called again the same day and inquired and they confirmed that the wire transfer has been sent but I need to contact my received bank ( XXXX ) as maybe they are having trouble processing it. I called XXXX and they confirmed that no wire transfer has been sent. I then called Marcus back and they said that there was a problem with the wire transfer but that they are unable to tell me what the issue is. I remained patient ( albeit furious on them not taking any responsibility ), and after wasting another XXXX mins over the phone they said they sent an expedited wire transfer. Later the XXXX, I called to double check so they said that the wire transfer has been sent AFTER the cut off time which contradicts what they told me and that will waste another business day when I have a deadline to close on the house that I need to meet. I asked again why the negligence and she laughed it off rather than taking any responsibility. And still I have no idea when I will receive my money.
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| 08/24/2022 |
Yes |
- Credit card or prepaid card
- Government benefit card
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- Trouble using the card
- Trouble getting information about the card
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Web |
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I XXXX XXXX, a natural person and consumer, recently applied for money, goods or services primarily for personal use on credit with Marcus : by Goldman Sachs. I then received a letter informing me that their organization was unable to approve my application. As a result, they have failed or refused to issue me an account as a creditworthy consumer.
As you know or should know, it is prohibited to take adverse action against a consumer pursuant to Equal Credit Opportunity Act codified at 15 USC 1691c for which they may be held criminally and civilly liable for your violations of 15 USC 1642, 1681m and 12 CFR 1002.
Pursuant to 12 CFR 1002.7 A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis.
Please referenced the attached evidence as proof of my application for credit and your refusal to extend credit. Pursuant to 12 USC 1602 ( p ) Marcus : by Goldman Sacks have made unauthorized use of a credit card by utilizing my social security credit card in which I received no benefit.
Pursuant to 15 USC 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus Marcus : by Goldman Sachs fraudulently used my credit device to obtain money and provided me no benefit from such use.
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| 10/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I have a credit card with goldman sachs/apple . I have had difficulties paying the card since having only XXXX payments. I requested them to work with my debt management company and they refused. I have called several times and also sent a letter to them asking if they would reduce interest and setup a payment plan with me directly. They have refused to work with me in any way and continue to only make the payment higher and more impossible for me to catch up on and have made the regular monthly payment besides the back payment unfairly high. I called today XX/XX/18 and asked if there was any way I could resume monthly payments as they were and they said that the regular monthly payment besides the back monthly payment was now more than $ XXXX which previously was $ XXXX. So even if I paid the back payments I would now have to pay a $ XXXX monthly payment which they know is impossible for me to pay and also seems to be abusive of the collections system. I have tried very hard to do everything in my power to work with them and they have no desire to work with me and are now on top of that preventing me from being able to ever catch up on any payments. This will drive me into bankruptcy only due to this one card. They also said they will not send it to collections and so there is no way for me to negotiate or create any sort of payment plan ever as Im told they only do in house collections.
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| 04/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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Web |
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GoldmanSachs increased the XXXX on my credit card retroactively back to XXXX and notified me of this change on XXXX. They increased the interest rate on my card by .25 % and did not notify me of this change prior to this taking place. I was not able to make correct financial decisions due to GoldmanSachs not properly notifying me of a change in my interest until after the change took effect. Had I known that my rates were going to go up I would not have made certain purchases. I spoke with a manager on the phone who informed me that the bank is not responsible for notifying customers of XXXX changes on their cards. And indicated that the federal government notified the public of these changes on XX/XX/16 and that I should be watching the news. I explained that it is the bank that needs to notify customers of their changes prior to them taking effect. As I was not notified of these changes I now have a larger fee due to the bank 's choice not to tell me about upcoming changes. The manager informed me that GoldmanSachs has the ability to change interest rates and not notify customers of those changes. Which I find incredibly scary. It is unethical and financially abusive. I am incredibly upset with the way that I am being treated and lied to by the manager I spoke too as well as the bank as a whole. I am attaching a copy of the letter received by the bank AFTER the changes went into effect.
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| 08/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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XXXX months ago I applied for the apple credit card through the apple wallet app. It said I was denied due to the fact there was an account already open. I had gotten sent a number to contact the company about fraud. I spoke with a man about the fact I have never used/received a card from the company. He proceeds to tell me the name on the card and it happened to be by someone, a man, I have never heard of in my life. I told him I didn't know the person and it wasn't me. He canceled the card, said it would be under investigation and to apply for it again in XXXX days to get myself the card. Sometime in XXXX I applied again and the same thing popped up. So I did the same thing and called the company, went through the same process. XXXX I applied again. Same thing happened AGAIN. So I sat on the phone with the company but this time I tried to get information to file a police report. The company wouldn't tell me anything about the person nor give me reports as evidence to build a case. They kept hanging up on me and I kept calling back repeating myself for an hour straight. I wasn't getting anywhere with them. Finally I gave up and filed a police report last month in XXXX to the XXXX XXXX sheriffs office. I called yesterday to check on my case and they told me it was inactive because there wasn't enough evidence to further the investigation. The number I have been calling for apple is XXXX.
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| 09/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Apple has released their new XXXX XXXX and as I typically do every year I went to pre-order it and finance with my Apple Card for 0 %.
This year apple has instituted a new rule where they are requiring me to have cell phone service with one of the 3 " Major '' cell providers ( XXXX & XXXX, XXXX, or XXXX ) in order to finance it on the apple card. I use a XXXX XXXX, a smaller cell provider, and because of that Apple is not allowing me to finance this year 's XXXX on my existing apple card.
My complaint is that my financial relationship with Apple / Goldman Saks for the Apple Card and my ability to purchase a phone directly from Apple to finance on their card should be agnostic to the provider I choose for my cell phone. Especially when the only 3 providers they are requiring are all much more expensive than my current provider. There are many customers in the US that rely on lower cost cell phone providers ( called MVNOs ) and use Apple 's 0 % financing to make the total monthly cost of cell phone bills ( cost of phone + cell service ) lower than larger carrier.
I feel that Apple is now colluding with the larger cell phone providers in an effort to force customers to leave the lower cost providers and re-join the higher cost major providers. I'm not sure if the providers are pushing Apple towards this or if it Apple 's own decision but eitherway I believe it should not be permitted.
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| 02/16/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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Goldman Sachs Bank recently changed policies associated with ACH and wire transfer withdrawals from accounts held with them. Here is a verbatim statement of their account changes taken directly from an email : " Weve updated portions of our Deposit Account Agreement relating to your account ( s ). For existing customers, the changes will go into effect 30 days after the date of the Deposit Account Agreement linked below.
I contest any limits that the bank places on funds transferred. It is my money, and I have the right to access my funds when I want at whatever amount I want, and they have no right to create a policy that limits such access and also creates limits " on the fly '' when I first try to schedule such transfers. Based on the laws I have read, what they have implemented is illegal and I did n ot agree to such policies when I opened my acount.
" Here are some key changes : ACH transfer limits. We may place limits, based on total dollar amount or frequency, on funds transferred by ACH between your XXXX account and a linked external account. Well let you know about these limits when you schedule your first such ACH transfer.
Wire transfer limits. We may place limits, based on total dollar amount or frequency, on funds you send by wire from your XXXX account to a third-party account. Well let you know about these limits when you schedule your first such wire transfer. ''
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| 04/25/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Can't close your account
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Web |
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In XXXX of XXXX, I opened an Apple card through Goldman Sachs to purchase apple products and receive O % interest.
I made payments on XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$50.00} ). I was charged interest {$5.00} on XXXX.
I then made payments on XX/XX/XXXX ( {$50.00} ) and XX/XX/XXXX ( {$50.00} ). I was charged interest {$4.00} on XX/XX/XXXX.
I made a payment on XX/XX/XXXX ( {$50.00} ).
On XX/XX/XXXX I called Apple to dispute the interest charged. The representative performed a balance adjustment of {$4.00} and {$5.00}. Then she did a balance adjustment of {$640.00}.
I called Apple ( Goldman Sachs ) the next month and then discovered the representative set up an installment loan which does not show on my credit report. I paid off the remaining credit card balance of {$330.00} on XX/XX/XXXX, and now I have a credit of {$230.00} on the card. The representatives have been telling me that they can not payoff this balance immediately but that the credit of {$230.00} will be used to pay off the installment loan and that the payments will come out monthly. It would take about 4 months to pay off. As of XX/XX/XXXX, no payments have come out from this balance. I have requested to have the entire loan paid off and closed, but they are not allowing me to do that. They have stated they can not close out the loan. I want to be able to close the loan immediately.
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| 04/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Initially Goldman Sachs sent me an invitation to open an Apple Card Acct in XX/XX/XXXX. In exchange, it offered a complicated {$50.00} acct opening bonus as detailed below : 1. Apply for Apple Card 2. Be approved for credit, 3. Use the card at XXXX XXXX XXXX within 30-days of receiving the card to purchase at least {$50.00} in services, 4. First {$50.00} spent would be credited back into my new Apple Card Acct within 60 days. I satisfied 1 and 2 rules above : 1. I was given a {$7500.00} line of credit within minute after applying, 2. An Apple Card was sent to my home address, 3. I used the card at XXXX XXXX XXXX numerous times within first 30-days of card issuance. However, I never received the {$50.00} credit. I communicated with them numerous times by chat lines and direct phone calls. Then I followed by sending an 8-page letter to them since XX/XX/XXXX demanding the {$50.00} bonus offer to be credited into my new Apple Account. Unfortunately, Goldman Sachs has refused to honor its commitment. to this day and has stopped responding to me requests to communicate. I still have the account active but have not used it since XX/XX/XXXX. It has been a frustrating experience for me and my partner. We wonder if others have complained about same issues with Goldman Sachs Bank. I would be glad to send a copy of the 8-page letter I sent them if CFPB is interested to investigate their conduct.
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| 10/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Older American |
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XXXX I requested a credit increase on my apple card. I was declined and told it was due to high balances on the revolving credit and length of time accounts are established. So since I was planning on using that card on Monday I made the payment on Saturday for {$15000.00} ( I am attaching the copy of the Payment made ). Since Saturday I have called Goldman Sachs 3 times. They refuse to post the XXXX XXXX payment. They refuse to call my bank and see that the money was taken out of my bank by Monday. I have asked for a supervisor to call me back since Saturday no one has called back. In the pass I had The Goldman rep tell me that yes in the past my payments of {$9000.00} were posted immediately but now I need to wait XXXX XXXX for them to post my payment so I can use the card. I believe that they are prejudice to me. Also the paper work from Goldman Sacks said my XXXX XXXX score as of XX/XX/XXXX was XXXX I have my XXXX from todayXXXX which is XXXX. ( which was lowered due to the inquires ) I also have the XXXX credit report from XX/XX/14 which I printed when Goldman declined increase that I requested, shows my credit score at XXXX and that I have only used 5 % of my availabe credit. Currently I have paid the apple card in full but they will not post my payment so I can use my card. Also on XX/XX/14 I applied for XXXX revolving card and got {$35000.00} credit line so how can that be?
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| 01/17/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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My CD account at Marcus Goldman Sachs reached maturity last week, I did let them know in advance, in writing/on their website, that I no longer wanted the funds to be there, Instead, I wanted the funds to be transferred to another financial institution, XXXX XXXX to be precise, which happens to be linked to Marcus already XXXX for the purpose of transferring moneys.
Marcus GS is not transferring the money in a timely fashion as they were supposed to, and now I am wasting time trying to contact them, and also wasting the interest money that I could be making at XXXX XXXX. Today I called again, after chatting online with no results, I asked to speak to a supervisor and the line was " mysteriously '' disconnected. I tried again later and the same story!
I think their whole approach at Marcus GS is rather irresponsible and careless, not to mention unprofessional and unethical!
Whenever I call Marcus I usually have to wait for a while to talk to an agent, and then when I finally do, no one there seems to know exactly why they are delaying a simple transaction that should have been done relatively quickly. Security is not and issue, to make sure of it, I contacted XXXX XXXX today, and they assured me everything is and has been in order for them to receive the funds from Marcus GS.
Feel free to ask any questions you'd deem suitable to resolve my case.
XXXX XXXX XXXX XXXX XXXX
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| 07/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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I contacted Apple credit card on XX/XX/23. This is the date my statement balance of {$990.00} was due. I had a total balance of I {$1500.00}. I explained to an employee ( I still have all the messages in my text thread ) that I ran into a situation and that I needed about 2 weeks to pay my balance in full, and ask if they could waive ANY interest charges ( OR FEES ) since I had a good relationship with them. The minimum payment was {$25.00} and I specifically asked if I only paid that, would I have to pay ANY interest and they said NO, because I was gon na pay the full balance off within 2 weeks. I paid the {$25.00} ( and they didn't credit my account ) and the next day they started charging interest to my account, after I got a clear reply that they 'would n't ''. I feel like this was exploitation. One of the reps did file an internal complaint on my behalf but because I was already given bad information I feel its best if I get a third party involved. This isn't about Apple or Golden Sachs policies on interest, this is about the conversation I had with an employee. Because I was given specific answers to specific questions, I feel that should be honored, regardless of who I speak with in the company after that. Now my account is accumulating interest everyday. Had I been told that when I asked, I would have figured out another way to pay the balance off in full on the due date,
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| 06/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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To Whom It May Concern, I purchased an XXXX at the XXXX XXXX XXXX Ca. on XXXX XXXX and I represented my XXXX card for payment. The well programmed sales person offered me an Apple Card instead for a change in discount! So I was surprised with a Goldman Sachs XXXX account unwillingly! Also a difficult option to decline and back to XXXX!
Following my intuition on the unwanted CC, I returned the XXXX in the unopened box to XXXX XXXX XXXX store on XX/XX/2013, which caught the recipient sales person 's attention, " You haven't even opened the box yet ''!
A well meditated receipt that will fade out in no time at all and a recycling fee add on for nothing to be recycled on top of all was an enough red flag already!
My intuition had served me right!
I received an email yesterday from Apple Card Support asking for {$42.00} initial payment of the taxes, marked passed due and subject of reporting to Credit Bureaus THREAT! As if it matters to a man of XXXX, The XXXX! Lol So I called the customer service provided number XXXX XXXX and a respondent female HUNG UP on me when I said '' That XXXX was returned ''! She had a crying baby in the background!
Today I receive another email to view my statement of the charges! I DID NOT!
Note : That I had asked for my Gold [ MAN ] Sachs card to be CLOSED UPON RETURNING the XXXX!
Is this GoldMan Sachs Bank Apple Card a SCAM OPERATION, or FRAUD?
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| 09/20/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX XXXX renewed a XXXX XXXX called XXXX on my Apple Card ( XXXX XXXX ) and I did not authorize them to charge anything on this account. I have never used my Apple Card and never authorized XXXX XXXX to renew anything that I subscribe to via my XXXX. I have called Apple Card ( Goldman Sachs ) three times to file a transaction dispute and reversal of charge ( as fraudulent or unauthorized by me ). My first dispute was in XXXX Dispute number XXXX which they reversed the credit to my card and said they had insufficient evidence. I then became 30-days passed due. I was unaware of their reversal until XXXX. On XX/XX/XXXX I filed a second dispute XXXX which they claim can take up to 2 billing cycles and up to XX/XX/XXXX to resolve. In the meantime, my account appears now as 60 days past due. I had a credit score way into the 800s and now it has dropped to XXXX! I called again today XX/XX/XXXX and requested a escalation for resolution. I refuse to pay for a transaction that I did not authorize and I do not owe them any money. I spoke with a XXXX at Goldman Sachs Agent ID XXXX XXXX and she said she was requesting a escalation for resolution. I have made all my credit payments on my Mortgage, Car Loan, and all other Credit lines 100 % on time. I do not owe Goldman Sachs ( Apple Card ) any money. I want this fraudulent and what appears as a delinquency off my credit report. Thank you!
|
| 09/29/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
On XX/XX/XXXX I opened a savings account with Marcus by Goldman Sachs through referral. I transferred {$10000.00} into the account on the next day and an additional {$30000.00} the day after.
On XX/XX/XXXX I opened their app to check if the second transaction had been processed, only to find my account had been locked without any email notice or reason given. I called customer service several times throughout the day and the agent said it was because they couldn't verify my phone number ( which I have been using for XXXX years without any problem and which I used to call them ). The solution was they would mail me an affidavit for me to sign and mail back, and the whole process is going to take at least a month. I also asked whether my {$30000.00} transaction would still be processed and they said no. Since having them hold my {$10000.00} for a month was not too unacceptable, I did not do anything further and decided to wait for the affidavit.
On XX/XX/XXXX, I checked my other account with another bank, only to find the {$30000.00} had still been processed despite what the agent told me. So now Marcus will be keeping my {$40000.00} for at least a month without paying any interest- which is unacceptable. I will need the money to pay for my tuition soon, and I truly don't know what to do. I called the customer service again and they said there is nothing they can do either.
|
| 07/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I've had an Apple credit card through Goldman Sachs since XXXX of XXXX. In that time I have purchased four XXXX and one phone using the monthly installment plan. The first two XXXX were paid in full before the 12 month plan ended. The third was purchased on XX/XX/XXXX. I like to make early payments, or to pay more than I owe to lesson my debt. My accounts shows my first payment for this device posted on XX/XX/XXXX, with the 12th and final installment posting on XX/XX/XXXX XXXX my account shows all 12 installments posted on the day they were due ( I paid them much earlier ). The issue is, Apple is still charging me for one more month.
If you look under any other device that still has installments due, it states " next installment on XX/XX/XXXX : $ $ $ '' For the XXXX in question, it does not say this, however it is still saying the reaming balance is {$33.00} ( what was posted XX/XX/XXXX as the 12th installment ).
Now that a new month statement has posted, the {$33.00} installment should not be included in the amount due on XX/XX/XXXX.
Goldman Sachs and Apple need to make their system easier to understand. It appears as if I am paying an extra month. I don't like to wait until the last minute to pay my bills. Goldman Sachs and Apple 's system for tracking payments makes life difficult for those of us who want to be responsible with our credit by making early payments.
|
| 03/24/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act, this creditors have violated my right. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S Code 1681e- A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). The IRS states that charge-offs are considered Income and income should not be reported under a consumer report.
Besides this creditor is committing fraud by reporting the negative charge-off on my consumer report.
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
|
| 04/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX I purchased XXXX earbuds online using my apple card. It was the first time for me to use an apple card. On XX/XX/XXXX I returned the earbuds for a full refund. I did not realize that the original purchase on XX/XX/XXXX resulted in a {$5.00} cash reward. I incorrectly assumed that since I returned the item so quickly, the reward would be removed from my account. That {$5.00} turned into an amount due on my card. I never received a statement from XXXX so I had no idea this was a balance due. On XX/XX/XXXX I noticed my credit score went from XXXX to XXXX. When I researched the reduction and realized it was from the {$5.00} charge on my apple card. I immediately paid it, not even knowing what the {$5.00} charge was for. At that point I did not care, I wanted my account up to date. On XX/XX/XXXX AFTER I paid the balance, XXXX hit my credit score again. My credit score is now XXXX. I filed a dispute with all 3 credit agencies and XXXX XXXX admitted they should have just removed the cash reward balance from my account since I had not spent the reward yet. XXXX also admitted they were wrong to hit my credit again on XX/XX/XXXX after I had paid the bill but yet all XXXX credit agencies are saying my credit score is correct and they have closed my dispute.
A person with a credit score of XXXX does not ignore {$5.00}. I had no idea this was even on my apple card.
|
| 10/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Attention : Lending Team for Apple/Goldman Sachs credit card XXXX XXXX XXXX I applied for a credit card on XX/XX/2023 and got denied.
Regardless of the reason for being denied, I have the right to credit.
Withholding my access to my securities is securities fraud.
You are violating the equal credit opportunity act and consumer protection act.
Since you are denying me my credit, please retract my application.
This is a direct violation of my rights as a consumer.
15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right.
15 USC 1691 ( 3 ) I exercised my right to credit.
15 USC 1602 ( g ) - the term creditor explains I am the person who regularly extends credit. I credited this transaction so how can you deny me?
15 USC 1681 ( k ) Adverse Action - nothing under Adverse Action gives you the right to deny me.
15 USC 1602 ( l ) I credited this transaction as a creditor from my credit card, this was a credit transaction from my credit card.
15 USC 1602 ( p ) unauthorized use, you ran the credit card and I received no benefit.
15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority and I received no benefit from this transaction.
15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.
XXXX, XXXX XXXX attorney in fact for XXXX XXXX XXXX XXXX XXXX
|
| 08/05/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
On XX/XX/2022, I called Marcus by Goldman Sach to close ( 2 ) CD accounts and move the balance of $ XXXX to the saving account that I have with the bank. The staff over the phone told me that the funds would be completed transferring within 24hrs as it is within the same financial institute.
Two days later, on XX/XX/2022, I called to follow up because the funds weren't transferred as I was told. The staff asked me to wait for another day. She had no clue why it didn't happen.
Another two days passed, on XX/XX/2022, the funds were yet not transferred. It took me over an hour to talk to the staff and manager. The manager said she would escalate the case but can't guarantee the transfer. The phone got disconnected and nobody called me back.
They did explain that the bank has received high volume of CD closing and the system has difficulties to process the requests. I strongly believe it isn't a valid reason. If it is a bug in the system, bank should solve it. It's unfair to ask the client to take the loss. Both bank and client should proceed as the terms specify. The bank shouldn't and must not deprive the client right 's on his/her money.
As of now, I have spent quite a few hours and it goes nowhere. Most importantly my money is not secured at Marcus by Goldman Sach. The bank isn't doing its duty.
Please help to bring this issue to the right team and close it ASAP.
|
| 05/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Marcus by Goldman Sachs purchased the credit card receivables of XXXX XXXX and told us all, 'to be patient while we transition over millions of customers from XXXX XXXX to Goldman Sachs ''. I received an email from XXXX by GS that I had an upcoming payment and like every month I instructed my bank to pay the full amount.
A few days later on XXXX XXXX I get a further notification from XXXX by GS that my account was now blocked because I had not made a payment and there was an approximate {$35.00} interest charge and a {$29.00} late fee. It turns out that in the transition as frequently happens it did not go smoothly. I called, pointed our their deficiencies, helped them get my bank account properly connected and then made a full payment of approx. {$2800.00}. I asked that they remove the late fee and interest charge. They agreed to remove the interest charge but not the late fee but they lied about removing the interest charge. It is still on my XXXX, XXXX bill. They escalated my request and said it would take a week. Today I called them again and they had nothing to tell me. I said I would file a complaint with the CFPB because they are abusing their economic market power with many retail customers who might not realise that leaving a 'late fee ' flag on their account will give XXXX by GS the opportunity to charge them a higher rate of interest on their balances.
|
| 11/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased computer equipment on XX/XX/2021 from a merchant on XXXX. The item arrived on XX/XX/2021, with water-damaged parts. I contacted the merchant and I received a return label from the merchant within 30 days.
I returned the damaged goods to the merchant with tracking and his signature confirmation that he had received however, the merchant decided to keep the money from the purchase and not refund me.
I submitted a dispute with Apple Card Support with Goldman Sachs and they mismanaged my case twice with improper handling. I provided photo evidence of the damaged parts, the return tracking information with an adult signature signed by the merchant, and the text messages the merchant sent me confirming the parts were damaged due to improper packing. I submitted the evidence to multiple Apple Card Specialists and they confirmed with me that they submitted the evidence with my dispute.
After waiting over 30 days for a response from the Apple Card Support Specialists with Goldman Sachs, I received an email stating the dispute was not found in my favor DUE TO NOT SUBMITTING ANY EVIDENCE. I have screenshots of the evidence I provided to the Apple Card Support Specialists in which they confirmed they received the evidence but did not bother to look over it in my case.
It has now been over 4 months trying to get Goldman Sachs to properly refund this transaction.
|
| 12/01/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American, Servicemember |
|
I have {$240000.00} in a savings account at Marcus by Goldman Sachs Bank.
I can not get my money out of the bank despite XXXX calls from XX/XX/22 and XX/XX/22.
On XX/XX/22 by phone I closed the account and requested that a check for the money to be mailed to me. I was told that this would occur. I complied with all the security checks and was told that a check would be mailed. I never received the check.
On XX/XX/22 I called to complain that I never received the check, and the bank representative confirmed that no check had been mailed and we went through the whole security process again with a special P.I.N. code, etc, with a Supervisor, and I was again told that the check would be mailed. I was told it would be sent by registered mail. I never received the check.
On XX/XX/22 I called to complain and was told that the check was never mailed. I again requested that the check be mailed and was told that it was " in process '', but the representative, and eventually a Supervisor stated that there was nothing more they could do. I asked to speak to the Supervisor 's supervisor, and was told that one was not available at that time, but that we could request that one call me within a few days. I agreed to that, but it is unacceptable that I can not get my money out of this " bank ''. They could not answer any questions about the process or how I could get my money.
|
| 03/31/2017 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
I had an account with XXXX bank. A day after I deposted XXXX $ into the account I tried to log into it via online and it said to call customer service. When I called I was directed to a " supervisor ''. This supervisor told me that my account was closed because I was " committing fraud ''. When ask to clarify he said he did n't have to explain to me, and when I asked to speak to his supervisor he said that he did n't have to and proceeded to hang up on me.
When I called back I talked to a gentleman named XXXX. After putting me on hold for ten minutes after explaining my previous phone call and also requesting to speak to a supervisor he proceeded again to tell me that he talked to " everyone '' and that they decided to close my account because I am committing fraud. When ask to clarify he said he could n't and also when asked to speak to a supervisor he also said he could n't. When I asked if there was a phone number of a complaint department he proceeded to put me on hold for another ten minutes before I hung up because it seems pointless to me.
My bank account from XXXX was linked externally to an XXXX Account that is funded by my employer XXXX, no where else. So for them to I am committing fraud and to not give me any information, and also not letting me talk to a supervisor and being rude and hanging up on me I would like some answers please. Thank you so much
|
| 10/07/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Older American |
|
I open a 18 month CD on XX/XX/XXXX which matured in XX/XX/XXXX. The Certificate rolled over for a 1 year term to expire on XX/XX/XXXX automatically. I want to put this money in my savings account instead. The company advertises a grace period on the web ( See Below ).
I have call several times and spoken with at least 3 different people including today. They claim that if I close the CD I will have to pay an early withdrawal fee. Please bear in mind that as of today XX/XX/XXXX and by their words below from their " frequent ask questions '', I am still under a 10-day grace period and I am choosing to " Withdraw Balance without Penalty '' as indicated below. But because they are insisting on charging me a fee to withdraw I feel obligated to leave the money on the account. This for all intent and purposes is fraudulent advertisement and
complete disregard for customers rights.
WebsiteXXXX XXXX XXXX XXXX general What are my options when my CD matures?
We will notify you via email before your CDs maturity date. There is a 10-day grace period following your CDs maturity date, during which you have a few options : withdraw balance without penalty ; renew your CD with the same term ; or, close your CD and open a new one with a different term If you do not contact us within the 10-day grace period to take any action, your CD will automatically renew for another term.
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XX/XX/XXXX XXXX Program Attention : Disputes XXXX XXXX XXXX XXXXXXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I, the consumer may have given you whether written, unwritten, verbal and non-verbal per XXXX XXXX XXXX.
GreenSky is in violation of the following : 15 USC 1681b 604 ( a ) ( 2 ) 15 USC 6801 15 USC 1691 ( a ) 12 cfr 1002.2 ( c ) ( 1 ) ( ii ) EQUAL CREDIT OPPORTUNITY ACT ( Regulation B ) Per Internal Revenue Service publication 4681, canceled debts are considered income. A charge off is a debt that has been canceled, therefore the placement of this debt directly violates the FCRA which does not include income as permissible information.
The Privacy Act of 1974 The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.
According to 15 USC 1692k, it is my right to pursue damages for civil liability for every instance of violation for this debt established in 2020. I intend to pursue it.
XXXX XXXX XXXX
|
| 06/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Servicemember |
|
I have been attempting to dispute a XXXX transaction wherein the driver changed our destination without our authorization and nearly doubled the cost of the ride. XXXX refuses to meaningfully engage with me, referring me to a XXXX that gave scripted answers, so I filed a transaction dispute ( chargeback ) with Apple Card. This dispute was sat on for nearly XXXX months and rejected with almost no explanation. I re-filed the dispute at the recommendation of Apple Card customer service and had the same outcome almost XXXX months later. They claimed they would provide me with all documentation regarding this case, including XXXX 's reply, but they have never done so. They provide no proof this transaction was authorized at all and will not engage with my sworn statement of events. They only say that evidence supporting the dispute is " insufficient '', except I am never accorded the chance to provide evidence in any meaningful way nor am I allowed to see XXXX 's responses to the dispute. The transaction in question is nearly XXXX months old at this point and in that entire time nobody has provided me with evidence to support their assertion that this transaction was authorized by me or anyone else authorized to use my credit card. This is contrary to industry practice, the Fair Credit Billing Act, and Mastercard 's own policies for chargebacks and dispute resolution.
|
| 02/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
This is regarding a Goldman Sacs credit card - An Apple credit card.
On my statement, covering the period from XX/XX/XXXX to XX/XX/XXXX, XXXX = Prior monthly balance, XXXX = payments made on this statement, XXXX = new transactions made on this statement, XXXX = transaction for installment payments ( for XXXX products ).
New balance end of XX/XX/XXXX should be : XXXX ( XXXX less XXXX plus XXXX plus XXXX ).
XXXX - what the statement states as the balance for XX/XX/XXXX.
I have disputed this 4 times, 3 times with a supervisor.
Each time the rep on the phone agrees the numbers were incorrectly calculated.
Each time the department that responded to the dispute says the numbers are correct.
The latest response was : You contacted us on1/28/2022 regarding your XXXX statement balance of {$530.00}. Your dispute has been resolved. Your balance is made up of card purchases and returns, payment activity, monthly installment due and any interest charges. Your beginning balance was {$1200.00} plus purchase activity of {$420.00} and payment activity of XXXX plus installment due of {$52.00} plus interest of $ XXXXwhich matches your total balance of {$530.00}. As a result, no further action has been taken.
A bank that can't do simple math is a big problem. The reps I talk to ( supervisors at the call in center ) say the response above is from someone " above '' them.
|
| 03/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/22 I received my order from The XXXX XXXX which costed {$210.00}. The order was for 2 live saltwater fish, which were deceased on arrival. I proceeded to file a claim with the merchant and asked them to just resend the order. They did not respond and instead sent a store credit which can only be used at their website. The two fish that I had originally purchased were no longer in stock and I was stuck with the {$210.00} charge. This is when I proceeded with a billing dispute with my Apple Card ( Goldman Sachs ). I sent them all my email transcripts, pictures of the fish, and email with the store credit. They ruled in favor of the merchant the first time and still did after two appeals and talking to a supervisor. I explained to them that the original product I purchased cant be purchased because its out of stock, it still is today, but they rule in favor of the merchant because they refunded me in the form of a gift card that can only be used at their website. There is nothing stopping this merchant from sending damaged goods and then only offering a refund in the form of store credit to be used with them. I told Goldman Sachs this in the latest appeal and today they ruled in favor of the merchant again. I have looked at XXXX website over and over trying to see if the fish were in stock so I could get this dispute over with but they are never in stock.
|
| 05/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
Apple / Goldman Sachs has a security issue whereby the following : 1 ) Apple cards MUST ONLY be applied for with the use of an apple device 2 ) Apple DOES NOT prompt for the XXXX ID to use to register ( if using a company or other phone to apply for a card ) for the card in question 3 ) The card can not be re-assigned WITHOUT first de-activating the card and going through the approval process again which hurts the credit of the person opening/closing the account.
Furthermore, the process stated above once the card is in fact stuck in a hijacked or taken over apple account that a user can no longer log into ( e.g : password change, email change, security question change, sim jacking, etc. ) the user is at the mercy of the crediting agency and can not change to a different ID or even recover the account.
This causes multiple problems from a security standpoint and a credit protection standpoint. Additionally, there are NO online tools to protect or secure the account outside of the Apple ecosystem. So, if your phone or device without proper hardware is breached you are left in a state of suspense to secure or freeze the account.
These practices are unfair to hard working Americans that large companies are taking advantage of and leveraging technology against them in order to impact ones credit with force closing and re-opening accounts. Please investigate.
|
| 03/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XXXX I checked into the XXXX XXXX XXXX in XXXX for a business related trip. Despite there being two cards on file from my company, they asked to charge a hold on my personal card. Later on, my company told me they should absolutely not be doing this. I informed the hotel front desk to remove this charge I was told it should be in 24 hours. It still was not, I was then told after I checked out on XX/XX/XXXX, its going on 4 days after ( XX/XX/XXXX ) I checked out and still no resolution. I contacted on XX/XX/XXXX my credit card company, Apple Card/ Goldman Sachs Bank for assistance XXXX they kept bouncing me back to XXXX XXXX
I spoke to the general manager at the XXXX XXXX on XX/XX/XXXX who confirmed the hold should be released and provided me with a document for Goldman Sachs bank to confirm this should be removed.
Goldman Sachs bank and their managers did not seem interested in the note from the hotel, nor helping me resolve this issue as of XX/XX/XXXX. My money is at this point being held hostage by two companies and I see no end in sight to get it back. I am asking for the help of the CFBP to fix this issue but also to investigate these suspicious dispute processes and customer service support offered by Goldman Sachs Bank/ Apple Card XXXX Feel free to contact me for more information.
INVOLVED COMPANIES : XXXX XXXX Goldman Sachs Bank USA/ Apple Card
|
| 09/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On XX/XX/2022, XXXX ( XXXX ) charged my card {$540.00}. On the same date mentioned earlier, I contacted the merchant ( by phone ) to cancel the order. ( before shipment ). The merchant confirms the cancelation verbally on the phone. Later, I noticed the abovementioned charge was posted on my credit card. After multiple unsuccessful attempts to contact the merchant, I got the GM Credit Card Company ( Goldman Sachs Bank USA, Financial Institutions ) to request dispute assistance. The financial institution open a dispute case ( Case number : XXXX ) ; however, the dispute is not resolved in my favor. The financial institutions closed the case on XX/XX/2022. On XX/XX/2022, I contacted the financial institution 's customer services to reopen the abovementioned dispute resolution. However, the customer service representative was denied to reopen the case. On XX/XX/2022, I contacted the financial institutions again to find a solution to recover my loss. However, they repeatedly refused to reopen my claim and assist me in recovering my financial damage. Furthermore, I requested a hard copy of the investigation documents and the internal memos ( notes ), but the representative refused to proceed with my request. However, I asked for this information to pursue a legal challenge if the financial institutions refused to reopen my case and assist me in recovering my loss.
|
| 03/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Apple card advertised the promotion below - " Don't miss out. Get {$75.00} with a new Apple Card when you spend $ XXXX with Apple Pay at XXXX for a limited time. '' I applied and was approved for the card and within the 30 days I made a purchase at XXXX for {$96.00} on XX/XX/20. I was not given the {$75.00} as advertised on the sign up bonus.
I have tried three times with the issuer of credit card - Goldman Sachs. The first two times, my complaint was taken but no confirmation or action was received. They first said the purchase was made after the date or did not acknowledge the promotion. They said I would receive an email confirming the conversation but nothing was received. Then the third time i called, they acknowledged and registered the complaint. I did receive an email saying it was under investigation. On XX/XX/XXXX, they sent a decision saying the dispute was regarding the 'daily cash earned. ' I am not questioning the daily cash earned as explained many times to the representatives at Goldman Sachs. I am disputing the {$75.00} credit which was not received.
I have an email detailing the promotion from Apple and the one interaction with Goldman Sachs. They did acknowledge my other calls and did not know why no email confirmation was provided.
I am requesting a {$75.00} dollar credit as I met the terms of making a purchase using the card at XXXX.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached.
I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against XXXX and XXXXGreensky XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud.
These 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship.
These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
These three accounts are being reported too Experian.
XXXX XXXX XXXXcount # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
XXXXGreensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
Thank You XXXX XXXX XXXX
|
| 05/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
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Web |
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I opened an account with XXXX by Goldamn Sachs on XX/XX/XXXX. This account had a signup bonus of {$100.00} if I kept {$10000.00} in the account for 90 days from the date of deposit. I deposited the required funds on XX/XX/XXXX, realized I messed up on not activating the signup offer first and did a reversal on XX/XX/XXXX, activated the offer that same day, and re-deposited the {$10000.00} on XX/XX/XXXX. These funds havent been touched since. More than 90 days have passed and XXXX has not paid out the {$100.00} bonus that I shouldve been eligible for already. I contacted XXXX on XXXX and the agent I spoke to said she would open a case for me and it would take 3 business days to resolve. On XX/XX/XXXX I contacted XXXX over the phone for an update and they said that they removed the offer from my account in error and that with the case being open theres nothing they could do as there was no other update at that time. Ive contacted XXXX 2 more times since and I keep being given the constant run-around, agents regurgitating the same message that case is still being reviewed every time Ive contacted support since. A supervisor I spoke to last time said that the bonus would be credited manually but that there is no timetable for that. XXXX has failed to meet the terms of the signup offer for my XXXX savings account and at this point I dont know what else to do.
|
| 12/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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Apple credit card managed by Goldman Saks was used to purchase Apple MacBook Pro 13 '' notebook on XX/XX/XXXX at Apple Store online. The amount was {$1600.00} and {$150.00} sales tax as 2 separate transactions. An order was never created.
Apple Customer Care admitted that it is a known problem happening for a new Apple credit card but was assured that these 2 charges would be automatically dropped from my account in 2-3 days.
These are still active charges after almost a month, and a number of calls between Apple Store Customer Care and Goldman Saks Support managing this card for Apple did not address the issue.
Only yesterday after I escalated issue at Goldman Saks Apple Card Support its manager XXXX finally admitted that it is a known problem for this card.
She created a case # XXXX on XX/XX/20 to remove these 2 charges.
But when I asked when these illegal charges would be removed she put me on along wait to consult somebody else, and returned back saying it would take another 30 days to investigate this contradicting that she clearly saw that no order was associated with these 2 charges. She neither sent me email about this issue nor would send me mail about it.
Currently there are 2 charges : {$1600.00} and {$1700.00} I used this card for a recognized {$1600.00} charge. {$150.00} is interest charge from that not created by Apple Store order.
|
| 01/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On or about XXXX of XXXX I saw an ad for a place called the XXXX XXXX. After requesting more information the Sales representative contacted me for a XXXX meeting. He discussed the services provided and a challenge I could sign up for. While the price seemed high thinking I would be getting a personal trainer and could help me get to my goals before an upcoming trip I signed up. There are mandatory check-in meetings that you get penalized for if you do not attend. I went to one Yoga class and the check-in meeting. At that meeting the coach said the opposite of the sales rep. They were not there to motivate you and help me reach my goals in the way it was presented to me. At that point I was no longer interested in the service and due to poor experiences with dealing with gyms in the past I contacted apple card support and disputed the charges. I have been asked to get a letter from a third party to help my claim which I did. I submitted multiple letters I wrote explaining the issue and trying to get this resolved. I have even filed a XXXX dispute with no resolution. The XXXX was closed as it's still under review making it seem it would get resolved. Then today I get an email saying they have reversed the credit again and applied the charge back to my account. This has been going on over a year at this point and would like it resolved once and for all.
|
| 07/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have informed all 3 credit bureaus about this loan I did not open under the creditor " Marcus by Goldman Sachs ''. This account was opened in XXXX for $ XXXX in XXXX. After speaking with Marcus by Goldman Sachs I was informed that the account was 1 ) Opened Online 2 ) Never had a payment made on it 3 ) Was not acquired/signed for in person. Therefore there is no proof I ever received this. My credit has been exemplary and this account blemish has brought my credit down from XXXX to XXXX. My credit line has never shown a personal loan like this and I have been on time with everything.
I submitted an original FTC complaint XXXX on XX/XX/XXXX and in coordination with XXXX and communicating with Goldman Sachs they acknowledged this was most likely fraud and removed the error, this was resolved back in XXXX. On XX/XX/XXXX the disputed account popped back up. Dropping my credit score yet again.
Marcus by Goldman Sachs needs to own their error and stop punishing those who did not open a credit line with them. The only credit line I ever had with Goldman Sachs was an XXXX XXXX which I always paid on time and they forcibly closed on me as retaliation after I submitted the fraudulent report on the unrelated Marcus by Goldman Sachs.
This is the 2nd time I'm having to deal with them. Please help me get their fraudulent writeoff off my credit report.
|
| 09/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
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Web |
|
|
Had a dispute against XXXX XXXX XXXX ( made a purchase send to the mall and wasnt pick up failed to issue credit ). The amount was {$49.00} made on XX/XX/2020.
The company was contacted and they acknowledge the mistake. Expect Apple Card decide to reverse the provisional credit.
I called Apple Card services ( golden bank ), the representative was overly rude. She give me a lecture me by telling me to have the USPS credit me since was their fault not the credit card fault since the postal office and all the packages are insured.
The call dropped, next day my account was restricted ( cant make purchases ). I called and they told me I was being investigated because my shopping habits.
I called again and send them the copy of the transaction and I was told we restricted your car for your own protection and security of the bank you may not be able to use the card 5-7 business days. You will get a letter regarding the outcome.
I am a former banker and theyre in violation of fair credit since they did it in retaliation of my previous calls.
I explain them I am not a thief, I always pay my bills on the and I have never been late and I ask which company flagged me to request a copy of the report and they failed to disscuss any further info. All they keep saying was I cant disclose why you been restricted all I can tell you is you need to wait.
|
| 08/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
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Web |
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I put in a dispute XX/XX/2023 and then told to reset my XXXX password which I did so I then woke up the next day ( XX/XX/2023 ) to my account being locked after several attempts and multiple representatives and supervisors I was told it was under review and would get solved by end of day by some or within 24 hours by others or they wouldnt even give me a time frame. I then got an email on Friday night ( XX/XX/2023 ) at XXXX that said Thank you for contacting Apple Card with Goldman Sachs about your account restrictions. Our records indicate your issue was resolved on XX/XX/2023. but unpin checking my Apple wallet my account was still restricted. I contacted them again to a supervisor telling me they were escalating a case to find out why after the review the reason behind why my account was still not unlocked. So then I called back the next day to be told it would take 10 days for a review and that I would just have to wait. I believe they just keep pushing me aside and that Im constantly getting false information from different reps and supervisors. Today when I was reporting all this I was told I would get a call from a Apple Card manager that basically told me theres nothing they can do and I would just have to wait and then they hung up on me. I would like some clarification on what is happening and to get this resolved as soon as possible.
|
| 02/09/2017 |
Yes |
- Bank account or service
- Savings account
|
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Web |
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I have over {$250000.00} Goldman Sachs Bank Saving Account. This account was blocked due to a divorce case and waiting for settlement. Now the case is ended and the court ruled out this account belongs to me. I sent this CERTIFIED JUDGMENT ON XXXX ISSUES to : GOLDMAN SACHS BANK XXXX XXXX. XXXX XXXX XXXX XXXX XXXX As per Goldman Sachs Bank requested, I sent the original certified court order and it was delivered on XXXX. I called them on XXXX and spoke with XXXX of their associate. She told me it takes up to 7 days to process. The next day, I call them again. This time I spoke with the manager, XXXX XXXX. He stated it takes up to 30 days to process. I told him XXXX XXXX and XXXX at the local branches here ( XXXX ) take only 2 hours for their corporate legal department to unblock an account. Why Goldman Sachs Bank takes that long? I suspect Goldman Sachs Bank uses my money for trading and the funds are not available to pay me back.
I guess next month if I call them, they will tell me it takes another 30 days and so forth ...
I am unemployed since XXXX XXXX, XXXX. I need money to pay back to my relatives whom I borrowed money from. I need money to pay my rent ( I live in a mobile home park ), property taxes, and foods for my family and I need to use the money to invest in XXXX just in case an economy crisis or inflation.
Best Regards, XXXX XXXX
|
| 11/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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|
I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject.
Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years.
APPLE CARD/GS BANK USA XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the APPLE CARD/GS BANK USA customer service representative XXXX
I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
|
| 11/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have the AppleCard with Goldman Sachs and had my XXXX XXXX XXXX account listed as method of payment since XXXX.
Beginning in XX/XX/XXXX my balance payments were withdrawn from another XXXX member 's account due to ( I'm told ) a one-digit error in the first XXXX numbers of the listed account. XXXX accused me of entering the account number incorrectly.
I learned of this issue via a XX/XX/XXXX phone call from XXXX with no electronic notification/heads up -- in this day/age most anyone will notify the enduser to prompt them to contact the institution for info/PII security. During the XX/XX/XXXX conversation with XXXX I was told the issue was from XX/XX/XXXX and then that this had been an issue since XX/XX/XXXX. You can XXXX my account security concerns.
CFPB Complaint XXXX already filed for XXXX as well.
XXXX points the finger at Goldman Sachs as they are the party issuing the transaction requests on my behalf also because they post to the Fed. XXXX says ; not our problem.
After several disputed payments and regardless of settling this sum in XXXX payment Goldman Sachs I've lost " grace '' since the payments had been returned.
I'm told it will take XXXX days for anyone at Goldman Sachs to look into the case and/or get in touch with me.
My concerns are probably obvious ; credit reputation/score along with risk of future occurrence.
|
| 08/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
An Apple Card was fraudulently added to my name and used to siphon funds from my bank account from XX/XX/XXXX to XX/XX/XXXX through Goldman Sachs. The amount owed was reported as fraud and charged off so that I wouldn't be entitled to the return of funds. I never requested it to be charged off, only investigated so that as a result, my funds were returned to me.
The final grouping of payments that were denied due to insufficient funds were not the only funds that were illegally accessed. Again, the payments made between the dates of XX/XX/XXXX to XX/XX/XXXX were fraudulent as well.
Goldman Sachs and involved credit bureaus acknowledged that the payments were fraudulent but Goldman Sachs has refused to return the funds that was stolen. I was given multiple dates for a return of the funds, which is notated in Goldman Sachs notes but funds have yet to be returned as of XX/XX/XXXX.
I am aware that there is a XXXX period after which legally, I am to receive returned funds and have expressed this to Goldman Sachs XXXX XXXX XXXX, XXXX Department but yet have not received any refund as of this date.
I am in need of the funds to avoid further financial distress. And request that this refund process be expedited. I am prepared to seek legal remedies for pain and suffering and mental distress associated with the ordeal. The total amount is XXXX.
|
| 06/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I'm writing to express my concern regarding the unexpected restriction and blockage of my Apple Card spending capabilities, which occurred following an attempted {$99.00} purchase at an Apple Store. It's rather ironic that I've encountered this issue while shopping at Apple, wouldn't you agree? Despite my earnest attempts to resolve this situation through your Customer Support channels, including both text messages and phone calls, I have received scant information beyond the fact that my account is currently under review. Regrettably, no definitive timeline for this review process has been provided, leaving me in the dark about how long it may take. As a result, my card is presently unusable. Neither the Customer Support representatives nor any supervisors have been able to furnish me with more detailed information regarding the cause of this restriction. I've been informed that I am simply to wait patiently for a call back from " upper management ''. As a loyal Apple customer for nearly two years, I have, on previous occasions, been faced with challenges that have received the standard " We're sorry for the inconvenience '' response. However, in this instance, I believe that a more comprehensive response is needed. The implications of this account restriction are significant, and I would greatly appreciate a thorough and timely resolution.
|
| 03/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
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I went to use my debt card Saturday XX/XX/XXXX it was declined I called the bank to figure out why and learn I had a garnishment and my account was frozen the bank gave me a number to call, I called to see what was going on to learn that I had been sued by XXXXXXXX XXXX XXXX in Ohio a state I haven't lived in for 15 years and was sending all correspondence to a 15 year old address in Ohio instead of my address on file with the original creditor. The " attorney '' I spoke with was completely unprofessional and refused to give me any information saying it was all confidential even though the suit was against me and refused to release my account even though they illegally sued me in another state and i never received any correspondence of said suit or debt collection and the disclosed my information of my debt to an unknown individual. I had to get in contact with the original creditor to explain the situation whom then contacted XXXX XXXX XXXX to file a motion to vacate and release my account because the address they used was not one in my file or the state I live in. XXXXXXXX XXXX XXXX are practicing illegal tactics to not notify the parties with malicious intent for parties to not show up to court. If this happened to me, how many other people has it happened to? I believe XXXXXXXX XXXX XXXX need to be investigated. My rights were violated.
|
| 03/14/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a savings account with Marcus by Goldman Sachs to hold funds to be used for the down payment of a house. I funded approximately 40 % of the account from a domestic ACH from XXXX XXXX XXXX XXXX. and 60 % from XXXX XXXX XXXX. I instituted a domestic wire transfer of approximately 25 % of the total funds bank to the XXXX XXXX XXXX XXXX. account used for funding. To be clear, the amount wired back to XXXX was less than the amount originally sent to Marcus.
This domestic wire was initiated at XXXX EST / XXXX CST. When I called to initiate the wire transfer, the agent informed me that wires are concluded by XXXX EST the same day. When this timeframe came and went without funds transfer, I called again and was informed that sometimes, wires can be instead processed at XXXX EST. Once again, that timeframe came and went without Marcus wiring my money to my external institution. The third agent I called told me that it would likely process overnight. You can likely guess what happened next! The wire did not process yet again and Marcus continues to retain my funds against my wishes and will do nothing to process this wire transfer in an expeditions manner. It frankly reeks of false advertising to claim to offer free domestic wires but those wires in reality are remarkably time consuming in a way that does not comport with industry norms.
|
| 09/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
On behalf of XXXX XXXX XXXX XXXX, I have held a XXXX XXXX XXXX, which was backed by XXXX XXXX for years, and with NO problems. However, approximately a year ago, I received physical and electronic communications that the XXXX XXXX card was sold to XXXX by Goldman Sachs and my credit card would be on the way. I have received a letter purporting that a security code can be utilized to set up and manage my account online. To date, the attempts to do such have been unsuccessful. Password resets are NEVER sent. Today, I was told via XXXX by " XXXX XXXX '' that the call center representatives are not allowed to provide their last name, representative ID, or city in which they are working and can not transfer my call to technical support - we must wait to be contacted - in order to rectify the asinine web of meanders that the website continues to take me through. This behavior is deplorable and mind-blowing as this is NOT the reputation that one would want to develop as a new car issuer. This seems to be a chronic issue as per this : https : //www.consumeraffairs.com/finance/marcus-by-goldman-sachs.html and that : https : XXXX. In addition to this, there is a personal guarantee on this business card, so I am concerned as to who has access to it, since I do not and " Marcus '' are being strategically difficult in allowing me to control my account.
|
| 05/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I got a Apple credit card in XX/XX/2019. I used it many times in XXXX then charges started getting declined. I contacted them the 1st time they told me they thought it was fraud. I asked why they did not contact me and they said they should have. I told them there has been many charges to same company so why this was rejected they did not have answer. Told me it was noted and should not have any problems. Oh and these declines dont show up on statement or my online acct. then this happened again and called again. This time they restricted my acct because I question them about why there declining my charges. They asked me all sort of question like when I applied and even want to call my bank to make sure it was my account. Then told me it was under review. I talked to them a few times in 6 months now they all say they can help and never seen this before but when it comes down to it they say its under review and someone will contact me. I spoke to someone just days ago same story. I did pay the account off before it was even due and told then that I was paying it off with acct they have on file still did not matter. Apple/Goldman Saks should be fined or somthing I get a credit card and its useless then I get treated like a criminal. I even asked for there presidential office to be forwarded this issue. Nothing. So thats why I making complain.
|
| 08/16/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened a savings account with Marcus-Goldman Sachs around three weeks ago. I added my son 's account for recurring debit to my account. A week later I tried to sign in and system said it's locked and I should call a number. After calling and spending 30 minutes, they told me that I can not transfer money from any account that is not under my name!!!! And I was like, so why the system accepted it and didn't warn me?!!!! I already added that account to some of my bill payments and now I had to change it. After talking to the supervisor, it seemed I do not have any choice, so they told me that they deleted my son 's account from system.
10 days later, XXXX in the morning my son called and told me that they withdraw the money from his account!!! and since he has a payments for that day, I should pay him otherwise there will be returned check fees.
Although I called Marcus and tried to fix it, my complaint is that their system should have warn me that I can't use that kind of account at the first place. Then, when I called and they forced me to delete the account, it should have stopped any recurring debit related to it. It is against privacy of customers too, since they are holding on to an Information that was deleted and using it to transfer the money. I keep the right to sue the bank and this complaint does not prevent me from doing it.
|
| 11/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
on XXXXXX/XX/2022 I I was receiving phone calls form Goldman Sachs for not paying my monthly payment which i never used the card, and they want payment and late fee. I dispute these charges over the phone. they look into my account and contacted the Apple Inc for charges and they had no record that I authorized the charges so they reverse the charges and credited my account for those charges, all the charges was credited to my account so how I was late in my monthly bill? But Goldman Sachs still reported these charges against my credit to credit bureaus as a let payment that dropped my score from XXXX to XXXX. Once I found out contacted them and they promised to reverse the action but never did. This is not the first time they did this. once before the reverse their false late fee on the beginning of last year XX/XX/2022, because the could not produce monthly statement to me and I specifically requested a paper statement and never received any statement from Goldman Sachs.
I was always getting monthly statement from all credit card companies but never received from Goldman Sachs.
they promised me that they are sending me paper statements which I never received from them.
I never signed for electronic statements. ever. with any company or lender always paper because I am visual person and not computer savvy. I don't use email very often
|
| 11/08/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Please note this is NOT A DUPLICATE complaint Marcus is refusing to let me withdraw my money. It has been 2 days and they keep lying and making excuses. I still don't know what is the status of my 2 wire transfer requests. They have verified every single bank from which the funds came in and still refuse to do the wire transfer or provide any status.
On top of that they keep lying repeatedly on recorded lines that it will go out today or it will go out tomorrow morning. And the next day they repeat the same lies all over again. These lying degenerates think they are doing the clients a favor by allowing them to withdraw their own hard earned money. I have plenty of recorded calls to prove their lies. I was told yesterday that all verifications and done and they are " expediting '' the wire and it will go out yesterday. Of course, that was a lie. Then yesterday evening, I was told that it will go out at XXXX in the morning. Again a lie. Then this morning I was told that all verification is done and that it will go out today. It is already XXXX now and still nothing. Called and got a really evasive supervisor XXXX who said it is being reviewed. She was just reading form a script and kept repeating like a parrot " 1 to 3 business days ''. When I asked her, tell me the exact day and time, those 3 business days will be over, again no answer.
|
| 08/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Due to the incompetence and shady business practices of Goldman Sachs/Apple Card , I am having to file a second complaint.
My original complaint ( XXXX ) was filed because there was an " inadvertent processing error '' by Goldman Sachs and my Apple Card was overpaid by {$480.00}. Goldman Sachs/Apple Card initially refused to refund my overpayment. When they did finally refund my overpayment, they charged me {$11.00} in interest that should have never been charged because, as is the case every month, my balance was paid in full. Additionally, I was informed that there would be a trailing interest charge because of their mismanagement of my account.
Goldman Sachs refunded the {$11.00} interest that should have never been charged and informed me they would also automatically refund the trailing interest charge ( I specifically asked if I needed to initiate the refund and was told that I did not ). At the close of my last billing period, I was charged {$4.00}. The trailing interest was not automatically refunded, so I contacted Goldman Sachs/Apple Card on or about XXXX XXXX. It is now XXXX XXXX and the erroneously charged trailing interest has still not been refunded.
There seems to be a pattern of shady business practices, that border on fraud, by Goldman Sachs/Apple Card . This is likely what doomed their push into consumer banking.
|
| 04/18/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
I participated in the following Marcus Savings {$100.00} Bonus Offer : Marcus is offering {$100.00} when you deposit {$10000.00} or more in new funds into a new or existing Online Savings Account within 10 days of enrollment. You must maintain those funds plus your current balance for at least 90 days.
And I satisfied the requirement by depositing $ XXXX into my account by XX/XX/2021. I was able to see the bonus tracker after the deposit, which means I was eligible for that bonus. At that time there is total ~ $ XXXX in my account ( XXXX old XXXX new ) and I kept existing money along with the new money in my account as required. Later on XX/XX/2021, when I transferred my old $ XXXX out of my account, someone from Marcus called me to confirm the account details, but he did not mention or warn me that doing the transfer would cause me losing the eligibility to receive the bonus.
And after I did the transfer, I found out that I don't have that bonus tracker anymore, therefore I called Marcus and they said my eligibility is revoked. As a customer who was attracted to deposit new money into Marcus saving account because of the bonus program, Marcus should have the obligation to notify/warn me if any transaction would cause me losing my eligibility to receive the bonus, I should have the right to be clearly informed with the consequences.
|
| 03/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2021 while I was riding bicycle with my friend someone broke into my car and stole my wallet. This can be proven easily by an affidavit from him and the invoice from dealership for the repair.
Several purchases was attempted on my Goldman Sachs XXXX ( XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX accounts. I was not even in the same city as where the charges were being attempted and I can prove this as well.
I responded to all authorization request that was texted to me. XXXX and XXXX XXXX XXXX did not approve any transaction. 3 charges was attempted on Goldman Sachs XXXX XXXX XXXX XXXX and 1 on XXXX XXXX XXXX They were all declined except one that was approved by each bank.
XXXX XXXX have recognized the error and have approved credit to my account.
3 charges was attempted on Goldman Sachs XXXX XXXX XXXX XXXX XXXX. 2 charges at XXXX XXXX ( {$1500.00} & {$2400.00} ) and one at XXXX ( {$650.00} XXXX. XXXX declined the charge at XXXX and one of the charges at XXXX XXXX. But XXXX approved {$2400.00} at XXXX XXXX. WHY not decline all of them? Screen cap from XXXX card attached.
XXXX claims that it was me who made the purchase and that is simply false and impossible. I was 30 minute drive away in a different city.
I am not responsible for this charge hence can not pay it. Please reverse this charges and credit my account.
|
| 12/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
1, the consumer and natural person, was denied credit by Goldman Sachs Bank USA when I applied for the Apple Card. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691 ( a ) ( 3 ) and 15 U.S.C 1691 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ). You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by the Goldman Sachs Bank USA due to the response I received. Goldman Sachs Bank USA is in violation of 15 U.S.C 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my securities were used and I received no benefit. This is proof of fraudulent activity and securities fraud on behalf of Goldman Sachs Bank USA. If Goldman Sachs Bank USA fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Goldman Sachs Bank USA criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681 ( n ) and 15 U.S.C 1681 ( o ). I am sending this letter because Goldman Sachs Bank USA accepted my credit application but denied me credit. I will also follow up with an invoice for said violations ( { {$10000.00} } ) per violation
|
| 03/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I did not open this credit card account with apple. The phone number, address, and email they have on file is not mine and the first specialist I spoke to over the phone clarified this. I was told to dispute this with the bureaus, so why did Goldman Sachs close my last complaint without resolution?! I feel extremely violated, and will not be responsible for an account that is not mine. That is against federal law. I am extremely upset and stressed that my information has been tampered with.
After I disputed the account an unknown address appeared on my credit report-XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX I have never lived there or know who lives there.
I submitted my FTC report and identification to Goldman Sachs and the credit bureaus. This account is a result from identity theft, again, I am not responsible for this account.
Please refer to 15 USC 1681C-2 ( A ) " If someone steals your identity, you have the right to remove fraudulent information from your credit report. This is called blocking. Once the information is blocked, it won't show up on your credit report, and companies can't try to collect the debt from you. If you have an FTC Identity Theft Report, credit bureaus must honor your request to block this information ''.
This is straight from the government website bonded by the United States Government.
Thank you.
|
| 07/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
My XXXX XXXX XXXX XXXX was transitioned to Marcus Goldman Sachs in early 2022. I received communication from Goldman Sachs indicating that I would be able to continue using my credit card until it expired or until my new card arrived. According to the Marcus Goldman Sachs credit card tracker for locating my new card, it was requested on XX/XX/2022. On XX/XX/2022, I received an email from Goldman Sachs asking me to confirm a charge for {$2700.00} at XXXX XXXX XXXX in XXXX, Michigan. I responded by selecting No, I did not recognize the charge ( because I was in North Carolina where I live and have no reason to spend {$2700.00} on phone repairs ). I called customer service immediately and closed the card. I was told that I would receive a new card in the mail and to no longer use the card in my possession. I called Goldman Sachs, numerous times, sitting on eternal hold and unable to speak to customer support. I engaged in chat feature several times, where the chat person tells me that that card has not been shipped yet, and I should see it in XXXX. Yes, it is only the first week of XXXX, but I requested a new card XX/XX/XXXX, and on XX/XX/XXXX, I needed and verbally requested a new card due to an attempted fraudulent charge. It seems excessive to wait two months for a replacement card and not have an explanation why it has not been sent.
|
| 09/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am submitting this complaint because I am being extremely affected by Goldman Sachs, They are being completely unfair and I dont know how to get ahold on them but through this portal.
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.
I started this Goldman Sachs accounts Apple card account online, I never received this card, leave alone any statements or bills. I did not have possession of the card.
Later I found that I had been marked late for a XXXXcent charge on my credit report.
When I called Goldman Sachs Apple card, I was told that my account was automatically linked to my XXXX XXXX app store, and that I was prompted for this when I was setting up this account.
I certainly did not authorize this, and if it was done, it was in the fine print that a customer can not even see.
This late payment has destroyed my credit, I was about to file suit against Goldman Sachs, who have refused to remove the late payment.
As a last resort prior to taking legal action, Im submitting this complaint to see if Goldman is willing to resolve this matter by remove the late payment from my credit report.
Account information : Account number : XXXX Open date : XX/XX/20 Balance : {$0.00} Remedy : remove the late payment from my credit report.
|
| 11/15/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I made a transfer of over {$120000.00} from my Marcus savings account to the federal student loan servicer. This transaction went through without issue. XXXX weeks later, I tried to transfer funds to my linked XXXX Bank account that has been linked to this account for several months with several prior transfers to and from each other.
The transaction provided an error when attempting using the XXXX website and app. After calling and XXXX minutes of being transferred around, the lady said that the account was locked pending verification of the validity of the past transaction for my student loans. I never received a call, text, email, letter or any other form of communication that the account had been locked. I told them, along with all sorts of verification information, that this was a valid and approved transaction. They refused to unlock the account until I called again during M-F normal business hours, then they would do a XXXX call with the loan officer at the federal student loan office to verify simultaneously from each party that this was a valid transaction.
I just spent over XXXX on the phone to make this happen. This is completely unacceptable and they held onto my funds for several weeks longer than I would have liked preventing access to my own money. I have since withdrawn the final {$27000.00} and closed the account.
|
| 04/28/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Web |
|
|
XXXX by Goldman Sach auto renewed my Certificate of Deposit ( CD ) with NO NOTIFICATION received to wan me.
I finally received a letter on XX/XX/2021, at XXXX by US Postal Service from XXXX by Goldman and opened it dated XX/XX/2021, 11 days late that my CD has been auto renewed.
I never received any letter of notification of the CD expiring and finally got an auto renewal 11 days AFTER dated letter. SOmething is FISHY!!!!
Contacted XXXX and 2 supervisors REFUSED to allow a cancelation waiving the penalty which XXXX claimed was over {$1100.00}. I protested saying the CD should never have been renewed if I have gotten notification and the confirmation was 11 days after this gimmick.
XXXX is a company who does NOT care about long term customers.
My request to be transferred to XXXX executive office was DENIED even when I advsied I was fkig a US Government complaint which XXXX Executive office would have to respond. SO the two supervisors are just the lower end bullies no allowing cooperation above their level.
SO the refusal of two supervisors to allow contact with XXXX XXXX XXXX creates MY LABOR work and a formal letter to resolve when the two uncooperative supervisors could have solved the issue and transferred the cal. XXXX si not a customer friendly internet bank especially for JUMBO accounts and long term relationship.
|
| 07/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I entered an agreement with a solar company XXXX XXXX to install solar on my house. It was funded through Green Sky. The work was to be completed in XXXX of 2023 and by end of XXXX at the latest. I already had existing permits and plans to work off of. The company failed to produce any accurate work to what was agreed upon by late XXXX. Green Sky texted me to ask if it was okay to disperse funds, I responded no because none of the agreed upon work had taken place. Green Sky still sent out over XXXX dollars to XXXX XXXX. XXXX XXXX proceeded to obtain and create their own plans, disregarding my existing ones. The plans XXXX XXXX created were inaccurate to what we agreed upon. I contacted XXXX XXXX to let them know about the inaccurate plans and permits. XXXX XXXX sent a text saying they would no longer complete the project and voided the working contract. Green Sky tried to recoup the funds that I told them not to send out but left me with {$1500.00} in a balance. I asked Green Sky to request full refund since XXXX XXXX broke the contract and provided no work. Green Sky said the XXXX solar kept the funds because of 12 hours worked on the project.
In conclusion, Green Sky sent out unauthorized funds from my account. Refused to refund the money and is expecting me to pay out money back to them for funds I asked not to be dispersed.
|
| 03/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
XXXX XXXX XXXX card was sold to Goldman Sachs Marcus product. I have had no access to my credit card information for a week. I got onto their online system XXXX day and was able to make a payment otherwise it has not worked. Their online system keeps saying this : We're having some technical issues We know this isnt the screen you were expecting, but a website error is getting in the way at the moment. Please check back in a few hours our team is working on a solution.
If you have an urgent matter, you can reach our Contact Center : Monday to Friday, XXXX am - XXXX pm, or Saturday to Sunday, XXXX am - XXXX pm ET.
Savings & Insights customers : XXXX Personal Loan & MarcusPay customers : XXXX Business Line of Credit customers : XXXX Monday to Friday, XXXX am XXXX pm ET.
XXXX customers : XXXX XXXX hours a day / 7 days a week.
XXXX XXXX XXXX customers : XXXX We apologize for the inconvenience.
When you call the XXXX number it says they are experiencing long wait times of over an hour try back later. This is terrible service! My card works but I can not verify charges or a credit I am expecting back on my card. An organization of this size should have been prepared for this and required to make sure the online system would work or at the least, hire more people to answer the phones. Customer service is starting off terrible.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached.
I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against XXXX and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud.
These 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. T These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
These three accounts are being reported too XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ).
Thank You XXXX XXXX XXXX
|
| 12/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Servicemember |
|
on 'black monday ' - XX/XX/2020 - received an email solitication from XXXX to purchase and XXXX XXXX or newer with Apple credit card and receive a {$50.00} XXXX gift card. there were no other noted restrictions. I called Apple customer service at ( XXXX XXXX XXXX ) to clarify terms and see if the gift card could be applied to the purchase price. I was *clearly* informed that an XXXX XXXX would qualify and I could only apply gift card if I selected the 24mos pymt plan. I then went online as the representative advised, ordered the phone and used apple credit w/ the 24 mos pymt term. Part of the selection process was to choose carrier type or unlocked phone. There were no notices that not selected 'unlocked ' would result in not receiving the promo. I was told I'd receive the promo gift card as an email 24hrs after pickup. I then picked up the phone in an XXXX store and asked the representative in the store on XXXX2020 about the gift card. On Thursday, XXXX/XXXX/2020, I called XXXX XXXX XXXX to follow up on the gift card and was told today that I was 'ineligible for the promotion because I selected a carrier phone vs. an unlocked phone '. This was deceptively advertised, not clearly stated and I spoke with several representatives on the 800line and in store that did not indicate this would be cause not to receive the promotion.
|
| 09/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I initiated a withdrawal from my Apple Savings account with Goldman Sachs to my linked bank account with XXXX XXXX. This worked in the past well. I will gradually remove the money as I have to do the downpayment for a house.
They declined the transfer and emailed me to call, which I did. In short, they claim they have reviewed my account and can not send a verification PIN to my phone number ( it is with XXXXXXXX ) during a review. I try to resolve it on the phone with them. They claim I have five or so numbers on file. I asked to send two other numbers that are mine. I have no idea where the other numbers come from and they refused to give me the numbers ( only the last four digits ). I am receiving codes from other banks. I did let them know and asked for other options. They said there are no alternatives. I asked for a supervisor, with the same result. I asked again for a supervisor and was told she was the only supervisor. After asking repeatedly for their manager and explaining that everyone has a manager, she offered a callback from her manager.
I have no access to my money and they refuse to transfer it with these arguments. I tried to resolve it with them but they refused to.
I am seeking your help so I can access my money as timely as I need it.
Thanks a lot, and please let me know if you have any questions.
|
| 08/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I am an Apple Card customer. In XXXX of this year I made a monthly payment as shown on my XXXX to avoid an interest charge. Paying the full amount that was reported in the Apple Card app, I nonetheless was charged an additional interest payment by Goldman Sachs. After a number of conversations with Goldman Sachs and Apple, I was told today by Goldman Sachs that the reason for this charge was because I did not pay a previous months finance charge ( that had been partially waived by Goldman Sachs ), and that the full amount needed to avoid and additional charge could be found in my statement, but that the app would only report the amount necessary to avoid a finance charge for XXXX transactions. I have contacted Apple regarding this revelation and informed them that the data being sent to their app is erroneous and that their apps feature of noting the amount to avoid a finance charge is misleading ( or completely wrong ). Goldman Sachs for their part has done nothing to resolve this issue and has attempted to talk their way around the situation telling me that I am responsible for reading my statement, but they are not responsible for the functionality of the Apple Card app. In summary, I believe Goldman Sachs practices in this case are intentionally designed to mislead their customers, resulting in fraudulent finance charges.
|
| 08/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
A {$3900.00} purchase was made online on XX/XX/XXXX XXXX from my apple credit card. The package was broken when I received the product so I returned All the merchandise back to the seller on XX/XX/XXXX at XXXX : XXXX and received a receipt that showing the merchandises have been returned and a refund $ {$3900.00} was issued back to my apple credit card.
In XXXX, the credit card billing statement still charged {$3900.00}. I contacted with apple credit card customer service stating that the merchandise was returned to the seller and I have the receipt for the refund sent back to the apple credit card. Then I sent pictures of the receipt which shows the products was returned and refund was issued back to the card to the customer service specialist though email on XX/XX/XXXX and online chat on XX/XX/XXXX. I have contacted the business where the purchase was made from many times and they state that they have issued the refund back to the card.
After that, the apple credit card continue to charge me for that {$3900.00} merchandise which has been returned. I have contacted apple credit card many times to dispute that charge but every time they close the dispute and send me the bill to ask me pay {$3900.00} for the Merchandise which I don't have. Today I called the customer service of apple card again and they hang up the phone.
|
| 08/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am sick of XXXX and dealing with their incompetent representatives and asinine online portal. Every time I upload documents on XXXX website and call XXXX to verify documents, they always state that the documents are not viewable. I have even paid for certified mail to be delivered to XXXX address so that they can remove and block these fraudulent account.
I do believe that XXXX is lying and are not taken my fraudulent claim serious. I have been dealing with XXXX regarding these fraudulent accounts for over a month now and nothing has been done to remove these fraudulent accounts. These fraudulent accounts do not reflect my credit worthiness and also caused me to lose out great job opportunities.
Since we are living in a world where Covid caused a lot of people to lose their job and can not provide for their family. I am XXXX that XXXX is not taken my fraud claim serious. I am requesting for these following fraudulent accounts to be removed and blocked immediately due to identity theft : 1. APPLE CARD/GS BANK XXXX Account # : XXXX Balance : {$6800.00} 2. XXXX XXXX XXXX Account # : XXXX Balance : {$580.00} 3. XXXX XXXX XXXX Account # : XXXX Balance : {$8600.00} 4. XXXX XXXX XXXX Account # : XXXX Balance : {$28000.00} 5. XXXX XXXX Account # XXXX Balance : {$3700.00} 6. XXXX XXXX Account # : XXXX Balance : {$3700.00}
|
| 04/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2021, a merchant charged my card for {$250.00} for car interior alteration services I did not request. After attempting to resolve the issue with the merchant, they became belligerent and so I disputed the charge with Goldman Sachs. Through several months of exchanges with Goldman Sachs support, they obstructed my inquiry and in particular failed to fulfill their obligations under the Fair Credit Billing Act : 1 ) Goldman Sachs took much longer than two billing cycles to resolve the matter.
2 ) Goldman Sachs never delivered evidence, despite numerous requests from me in writing, to explain their decision regarding the dispute.
Now Goldman Sachs has sent a threatening letter claiming my account is delinquent.
Goldman Sachs claims my account has an outstanding balance of approximately {$100.00}. However, in recent months, I received a refund of {$100.00} for an unrelated charge. I had requested Goldman mail me a check for the refund, which they have failed to do despite numerous requests. Therefore, Goldman still holds the funds. Even if Goldman were to argue that they acted within the FCBA, my account balance is actually 0 ( or has a credit ) and thus their reporting of my account as delinquent is false, defamatory, and damaging to my credit.
For extensive evidence, please see XXXX cases XXXX, XXXX, and XXXX.
|
| 10/10/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
My name is XXXX XXXX and I had my daughter open a savings account with Goldman Sachs ( marcus.com ). I do not have a phone number so we used her cell number to send SMS authorization codes. This has worked fine for the few years we've had the account opened. I've made numerous transfers to my XXXX XXXX checking account. We then tried to set up another external institution to transfer funds to. The transfer had a problem and my daughter called to find out why. During the conversation, it was disclosed that the phone number tied to my account was hers. At this point in time, they locked my account and I can not access any funds. I have had her call several times and nobody is willing to help. Today we found out they are sending us some sort of affidavit that we need to get notarized. I am in a XXXX and it is very hard for me to get out and we do not know a notary. I need my funds transferred ASAP and my daughter told them that, but they said they can't do anything. So they have all of my savings locked up at this point for no valid reason. When we signed up for the account, it was never specified that the phone number tied to the account MUST be mine. We went back to look and verified this language is not on the web site. This is some sort of rule they've made up on the fly. Please help me to get my money out of this bank.
|
| 08/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX, I was charged 3 different charges on my Apple Credit card. The charges were {$9.00} for a game streaming service, {$190.00} for the same game streaming service, and finally {$190.00} for the same exact game streaming service.
All of the charges were made at around XXXX. When I woke up the next morning, I saw the notifications sent from apple about the charges that were charged to my card the night before. The charges were made by my son, who is a XXXX I disputed the charges with Apple by telling them the charges were made by my XXXX son. Apple refunded the {$9.00} charge but, the say the two {$190.00} charges are ineligible for refunds.
I argue that Apple is not looking out for their customers. I have had this card for approximately 3 years. I have never made any purchases on any gaming websites. For them to just allow the charges to go through in the first place is outrageous. You would think they would be proactive to avoid fraud to themselves and their customers.
As part of a previous lawsuit against apple, " Apple was required to modify it's billing practices by making sure to receive consumer 's explicit consent for current and future in-app charges and that the consent could be withdrawn at any time. '' I never gave explicit consent and I would like the 2 charges of {$190.00} refunded back to me.
|
| 01/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Servicemember |
|
Let me tell you something ... ... 26 USC 761 contains an exemption to not be treated as a partnership for tax purposes if it is availed of for certain reasons. The privacy policy of these financial institutions sounds like one of those reasons.
The IRS regulations basically contain two ways of messing such an exemption - one being that each partner makes an election on a partnership return form. The other way is if, in lieu of making the election on a partnership return, the evidence and circumstances indicate that each partner wanted to elect. Hence these XXXX privacy policies and privacy notice.
But notice one thing, they give you credit based on ( you guessed it ) your information. You provide them with information and they either deny or provide credit based on that information. And really, they don't give you credit, they just inform you some digits, which is information, which goes back to my earlier complaint about how it's all a1031 exchange of like property ( information exchanged for information ) under 26 usc 1031.
It's all XXXX. Every bit of it. Now I want to arbitrate but I get denied at every turn so I'm not giving a XXXX. I'm putting all of this XXXX out there. XXXX XXXX XXXX XXXX XXXX XXXX, my lights and water are scheduled to get cut off, and I have an eviction notice. And for what? XXXX this XXXX.
|
| 08/12/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I opened a GreenSky Financial account on XX/XX/XXXX which was activated on XX/XX/XXXX. The account was given a {$19000.00} line of credit to pay for a home repair.
The vendor XXXX XXXX, XXXX submitted a fraudulent charge of {$6500.00} on XX/XX/XXXX which I initially declined approval for. I then spoke to the XXXX who said they accidentally made an internal billing mistake and credited {$6500.00} and they were just re-charging it but that my balance would NOT increase by {$6500.00} as this was NOT an additional charge it was correcting a deduction on their side of the GreenSky system. XXXX lied and deceived me into approving this request for payment which increased my balance. I do not owe this amount and assert it is a fraudulent charge. However, GreenSky has failed to take any action whatsoever to adjust this amount off of my balance. They have also denied me the right to remedy my claim with mediation and/or arbitration pursuant to their Bill of Rights.
I respectfully request assistance with resolving the fraud to my account and having GreenSky correct the actual amount owed to my account. I filed my initial complaint with GreenSky back on XX/XX/XXXX and they have had sufficient time to resolve this matter and have failed to do so. I have already filed complaints with the XXXX, FTC and DOJ for Consumer Affairs.
|
| 07/31/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
My problem is with my Apple card serviced by Goldman Sacs. I purchased an XXXX with my Apple card on XX/XX/2020. I purchased a brand new XXXX XXXX. While filling out the credit card information ( took about an hour because the wallet app would not prefill any information and all the boxes were not fill-able ) I finally got the payment done. However there was no option for interest free payments for a year like it was advertised. There was nothing offered, no box to be check or anything. I assumed that because it was an apple card purchasing an apple product on the apple website everything was okay. I payed my XXXX statement and the principle looked to be interest free until this pay period. Now, I owe the full balance of the phone or I face interest charges. I payed off the card and canceled it. This is unacceptable. The only answer I got from Goldman was to return the phone and repurchase it on a payment plan. However the phone is not returnable because its past the 30 days return policy. This card is purposefully marketed towards apple consumers and judging by the poor wallet design, wallet integration and implementation by Goldman Sacs, they are taking advantage of people during COVID-19 and their resolution is basically " to bad ''. I effectively closed my account XX/XX/2020. Hopefully, no one else falls for this.
|
| 06/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2022, I noticed a charge to the Apple Store dated XX/XX/2022 in the amount of {$1100.00}. I did not recognize this charge, nor did I authorize said charge. Today, I still don't recognize the charge, nor did I authorize the charge, nor did I receive any product associated to the charge. The charge was made on the Apple Card.
On the same day, I have used the Apple Cards various communication methods ( customer support number and Apple XXXX text messaging ) to try and resolve this. I was shuffled around to Goldman Sachs ( the handler of the Apple Card ), to the Apple Sales Team, Apple Pay Team, and then Back to Goldman Sachs.
The Apple Store representative could not find any charge in the amount on my card, nor were they able to find any charge associated to the card.
Being tossed back to Goldman Sachs, the recommendation was to file a dispute, which I did. The case number is XXXX.
On the same day I also filed a police report with my local police, the XXXX Police Bureau, detailing the credit card fraud charge.
Today, on XX/XX/2022, I received an email that the dispute was resolved and not ruled in my favor, thus I am liable for the {$1100.00} charge.
On this same day I have contacted Goldman Sachs to request a copy of the information used in decision making and to understand what options I have left.
|
| 08/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XX/XX/2023 my XXXX checking account was compromised with a check that was stolen from my mailbox washed and cashed from my acct. police report filed I contacted bank and blocked acct.
On this day a scheduled transfer of funds was set up to my Marcus by Goldman Sachs acct.
Unfortunately it could NOT go through do to the block on my checking acct attached to my Marcus acct.
2 days later I closed the compromised checking acct and opened a new one. My bank replaced the stolen funds of XXXX XXXX I then transferred to my new acct and CLOSED old checking acct.
I went to my MARCUS acct to remove old checking and add new one and found out its was locked. I called Marcus and they told me it was closed and no reason given. I tried to explain what happened and they gave me the run around that no one can explain to me why.
I now have no access to my funds. There is an old checking acct attached that does not exist and there is no way they can transfer my funds back to me! I asked them to reopen so u can transfer funds out of this acct and they would not! I have no access to my funds and they will have to send me a CHECK in order to get my funds out of MARCUS savings and CD. I have read on line that they do this often! This is a terrible business practice and they LEGALLY CAN NOT HOLD MY FUNDS. Please help me. Appreciated!
|
| 09/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
Apple had an offer of {$25.00} cash back for each new family member added as a participant to Apple Card. On XX/XX/XXXX, my father added me as a participant on his Apple Card. According to this promotion, the cash back of {$25.00} should have been transferred to my Apple XXXX Card seven days after making a purchase of {$25.00} or more. I spent more than the {$25.00} required and still have not received this cash back. On XX/XX/XXXX, my father contacted Apple and the call was transferred to a Goldman Sachs representative who confirmed that we did everything correctly and that they would look into this matter and respond by 10 days. On XX/XX/XXXX, we were informed by Apple via email that Goldman Sachs received the inquiry we made on XX/XX/XXXX, adding that Apple is taking this concern seriously. The email stated : Your Rewards Inquiry has been forwarded to the appropriate department for investigation. Rewards Inquiry are typically resolved within two complete billing cycles, but no later than 90 days after receipt. We may contact you if additional information is needed. If we do not need additional information, you'll receive a notification when our investigation is completed. I feel that we are given the runaround and it is taking too long to resolve. Hopefully this promotion was not a false/misleading advertisement.
|
| 06/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I had discovered that I had several fraudulent charges across many of my financial accounts. So I decided that I needed to review all of accounts for accuracy. It was that I had discovered on my Apple credit card that I had a total of seven fraudulent transactions that are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once this was discovered Apple Card services were contacted. I also filed with identity theft and put extended fraud alerts on my credit reports. I had several fraudulent transactions from the merchant turo that I had to report. Every single one of my financial institutions impacted with transactions from this merchant were all found to be fraudulent. That is except Apple Card services, who stated that there wasnt any fraud.
I am including with this statement, a copy of communication between myself and the merchant turo. This company is a peer lending car rental service. However, before use, you must be approved. This process requires assessing all of your legal identifying information and background checks. As in the document I provided, it reflects that in XXXX of XXXX I requested an account with the merchant XXXX, that I was subsequently denied. Therefore, all the transactions post XXXX with XXXX were fraudulent as I wasnt even able to access and utilize any services that they provide.
|
| 03/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Apple Credit Card XXXX GS Bank USA refused to issue me a credit increase of {$1000.00}. So I asked for the minimum of {$200.00} increase in credit so I could buy a apple computer. These people say I am caring a a balance on my credit card. I have not. All the credit card transactions get paid normally XXXXen days or less after they clear the credit card company. These people also claimed they checked my credit history they did not. It never showed up on XXXX. I also explained to these people how much is in my bank account, what my credit score is of XXXX depends on which credit bureau you use. How I am also never late on a payment. How I pay my bills and my income level. Yet these people denied me credit to buy a computer from Apple Store. I also told them I how I was going to pay it off as well. I only been using the card to buy food because of the cash back feature. These people never properly looked over my credit history. They are being XXXX in there giving of credit because I am not a women of XXXX or a XXXX XXXX. Who they would give a credit increase in a heart beat. These people are biased against someone who makes a good living, who has money in the bank and never been late on a payment. My house is paid almost half way off as well. I am not a risk to give credit to for XXXX or less at the minimum XXXX more.
|
| 07/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I was in the XXXX XXXX in XXXX XXXX XXXX in XXXX XXXX XXXX trying to buy a computer on XX/XX/2021. I told them that the computer was more expensive than at another store, so I was going to leave to buy it elsewhere. The sales associate informed me that I could get 24 month no interest financing if I signed up for the apple card. This was an attractive offer so I decided to go through with it instead of buying the computer elsewhere. I applied for the card, got approved, and proceeded to check out. When she pulled up the information I noticed there was only 12 month financing and not 24 month financing as promised. She apologized and checked to make sure that wasn't a mistake. It was not a mistake, and 24 month financing was not offered on this product. So now I just have this credit card I don't want that was opened under false pretenses. I left the store to buy the computer elsewhere.
I then called Goldman Sachs, who is the partner for the apple card and told them what happened. This was 3 minutes after the card was opened. They told me that they could not reverse my application and that I could close the card but that, that could negatively affect my credit.
I was taken advantage of and now just have this credit card I don't want or need and that I can't close for fear that it will affect my credit negatively.
|
| 11/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I was on a work trip in XXXX and happened to visit the XXXX XXXX XXXX XXXX XXXX on XXXX of XXXX XXXX There were XXXX middle aged men at the entrance of the mall asking for donation to a charity. I was told I could pay {$5.00} using apple card. I agreed. But they charged me {$500.00}. As soon as I realized they took {$500.00} all three ran away. Incident happened exactly between XXXX and XXXX XXXX on XXXX XXXX. I filed a dispute immediately with the credit card company which is Goldman-Sachs serviced through Apple card . They said they will handle my case promptly. But the dispute outcome was not in my favor even though credit protection and scam protection are the reason we use credit cards. The scammers actually had a merchant id associated with them. They didn't even freeze the account of the merchant even though they can clearly see the merchant id used by the scammer. I have also filed a police complaint and have attached the report with this complaint. I tried disputing with the bank XXXX more times to no avail. Even though I wasted so much time and money in this dispute the bank did literally zero investigation on their part. Customer service wise this was the worst service I have received from any bank. Each time I called I had to explain all things from the start meaning they did not have any record of it.
|
| 07/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I opened an Apple Card using their automated process through XXXX. I attempted to make payments through online methods with no success. I found out that XXXX XXXX is only available on an XXXX and not accessible through my XXXX or XXXX. I finally was able to reach a rep on XX/XX/XXXX who took my payment over the phone. She told me my payment was processed. In XXXX, I received a late notice and I called on XX/XX/XXXX to find out why my payment was processed. I was told my account information was incorrect and they would process my payment and put me on automatic payments so that I didn't have to continue to call in. I had my credit pulled for a refi on XX/XX/XXXX to find out they have reported a 60 day late and the balance due ( even though Apple finally shows it paid in full ). Apple does not have convenient access to pay AND told me on a recorded line that they have no way to verify over the phone if the information was input correctly. This is impossible to believe, the rep on the phone should be notified account information is not correct before telling me my payment has been processed. I was never notified it didn't go through until my next late notice. Although Apple/Goldman Sacs has stated that it was not their error and they can not change the reporting, they refunded my interest charges for their " error ''.
|
| 05/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize anyone employed by GOLDMAN SACHS OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
|
| 09/22/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I signed up for an Apple Card ( issued by Goldman Sachs ) for the sole purpose of its advertised use- to buy apple products with 0 % financing for 24 months, with the option to trade in an XXXX after 12 payments with the value of the phone being deducted off the purchase price. This worked well, and I was planning to upgrade to a new model. However, Apple and Goldman Sachs changed their terms, materially, earlier this year, while still advertising the product as it was originally conceived. The new terms require a cell phone plan with only a choice of the largest 3 carriers in the US. Apple says you do not need to keep it on that plan, but one is required for purchase, using the monthly installments. This leaves people like me who were relying on Apple to keep their promise in a situation where a new phone can only be purchased with a big 3 carrier plan, whereas before, it could be purchased " on any carrier '' - which is still the case, but not with the monthly installments, which was 90 % the reason for me getting the card. This anticompetitive behavior hurts consumers who do not want to pay extremely high fees for a " big 3 '' carrier plan. It also means consumers that relied on this are stuck with a device that will be depreciating in value until the term of the payments is complete, or who take a huge loss.
|
| 07/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXX I applied for a credit card issued by goldman sachs for the XXXX rewards card. During the application process I was asked to do a XXXX time passcode and submit an ID. I got approved for the card and I started to use it right away and make some purchases however on my first attempt I was declined so I called customer service and spoke to XXXX of their representative but then transferred me over to the fraud department. They tried to pull me up in XXXX XXXX and because they can't find any information about me since I did opt out because of an abuse which I also informed them proactively that I am at risk of physical harm, they locked my account and claimed that they couldn't verify my identity even though I did submit ID and perform XXXX time passcode and only for the reason that they couldn't pull me in XXXX XXXX. This act of Goldman Sachs is XXXX because it is well known in financial industry that you can request to opt out with XXXX XXXX for a reason the deem fit like abuse of if you are a well known individual and/or political. Due to me being an ordinary individual, my statement wasn't valued when it comes as to why I am not on XXXX XXXX. And also they didn't value the fact that I am an XXXX XXXX credit card holder which is also issued by Goldman Sachs and uses the same information.
|
| 06/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I have an Apple card and savings account with Goldman Sacks, which had been restricted for unknown reasons for over a week. I had a missed call and left a voicemail from Goldman Sacks asking me to call back the number ( XXXX ) XXXX. After calling the number I was advised that I need to wait for the call back to verify my identity. It's been more than 1 week and still waiting for a call back to verify my Identity. Even after numerous chats and calls to Goldman Sacks, I was unable to unlock my card, and customer service reps stated there was nothing they can do and asked me to wait for a callback. I think it is unacceptable to lock my card and savings account and have customers wait for weeks for a callback and have no other option to un-restrict their cards. This is a bad practice on the part of Apple Card/Goldman Sacks . It is not fair to suspend customers ' cards and savings accounts and have them wait for a call back from a special department to handle suspected fraud, every major credit card issuer and bank deals with this kind of verification within 1 call. Dear cfpb please investigate the bad practice on Goldman Sacks part. There are numerous complaints on the web with the same complaints, people have to wait months to get a call back from Goldman Sacks in order to verify their identity. Please Investigate!
|
| 03/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
On XX/XX/, I made a payment in the amount of {$1200.00} and this payment got held. I totally understand the reason that this payment was held due to me making an unusually high payment. I would make a comment that prior to this payments like {$25.00}, {$75.00}, {$100.00}, {$120.00} were not placed on hold. Now no matter what, this bank is holding payments, which makes no sense to me. I have spoken to representatives that state the reason that payments are being held is that of payment cancellations, but that is false, because I never started truly cancelling payments like I have recently when I noticed that everything was going to be held for not even 7 days but 10+ days now. I understand this if I bounced a payment, but seems like these XXXXXXXX XXXXXXXX can't trust they will get money themselves while they line their own XXXX pockets. I feel like this is an advantage to continue collecting additional interest on my account. My account needs to be returned to credit payments same day, as this is I think extremely unfair that now these people arbitrarily do whatever whenever however they feel and DO NOT inform the borrower. I think that credit card companies if they are holding payments need to explain to the consumer how come and when it will be released. They do not do this. It is biased and somewhat racist.
|
| 10/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I usually pay my bills and dont really read through them. I admit it took months for me to notice the charges. My husband passed and I was just paying bills and didnt take the time to read through anything. A company called XXXX XXXX got into what I think was my XXXX ( which is no longer used ) but it was linked to all my accounts causing a total nightmare.
One of them being my Apple Card.
I originally disputed the charges ( over XXXX $ ) and they were charged back almost three months later. I asked why they didnt ask for other info or anything. They just say they dont have to. The charges were redisputed and are still pending.
I have sent the screen shots from my bank exc. where there was also fraud but they have completely frozen my card. Added all the charges back, are charging interest on them and still having me pay every month even though I am unable to Use my card. I have inquired as to what else they need multiple times and was told they have everything. They also keep reporting to credit agencies that I am over my limit. Im not over it even with the extra charges on there. Ive spent hours trying to resolve this with them and do not seem to be able to get any resolution. I know this violates the credit act. I keep paying bc I dont want them to damage my credit further.
I dont know what else to do.
|
| 06/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I made a purchase using my Goldman Sachs Apple Card ( used Apple Pay ) in the amount of {$560.00} to XXXX XXXX ( order number XXXX ) on XX/XX/2020. Approximately 20 days later, I had yet to receive the items and filed a dispute in the that amount with my Goldman Sachs Apple Card company. Within a few days, I reviewed the items and withdrew my dispute. It turned out that the items did not fit and I needed to return them for a refund. I received an RMA number from XXXX XXXX and shipped the items back on XXXX XXXX via XXXX ( tracking number XXXX ). It shows that the return was received at the XXXX Sunglasses Warehouse in XXXX, Georgia XXXX XXXX at XXXX signed for by someone with the initials " XXXX. '' I waited about 10 days for my refund to appear. When it did not, I called the XXXX Customer service number at XXXX. Spoke with a gentlemen and he apologized and stated that they did receive the items and he will process the return. I waited another 7-10 days and no refund was issued. I called several times, and each time I was told the same thing ; wait another 7-10 days.
I tried to dispute the charge again on my Goldman Sachs Apple Card, and was told that because I withdrew the original dispute, I can not redispute this charge. The dispute is for two separate reasons and now I have zero recourse for this charge.
|
| 09/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Someone who obtained my card number used it to book a flight on XXXX XXXX. Below is the timeline of the actions that I have taken. I have reported this to Goldman Sachs ( Apple Card ) three times, and today they reversed it again and put the charges back on my card. I will dispute it again with them today. Goldman Sachs ( Apple Card ) refuses to recognize this as a fraudulent charge.
Attached to this form is the only documentation that they sent me attempting to document that it was a valid charge.
XX/XX/XXXX @ XXXX the charge hit my card XX/XX/XXXX @ XXXX - first reported the fraudulent charge XX/XX/XXXX - Provisional dispute of {$580.00} was applied XX/XX/XXXX - Provisional dispute was reversed - I challenged it again XX/XX/XXXX - Provisional dispute was applied again XX/XX/XXXX - Provisional dispute was reversed for the 2nd time - challenged again XX/XX/XXXX - Provisional dispute was applied again XX/XX/XXXX - on a call with Goldman Sachs fraud department : - Agent name : XXXX - Supervisor with Apple Card ( said she was the only XXXX supervisor ) - XXXX will work with her management to make sure that this is resolved.
XX/XX/XXXX - Provisional dispute was reversed for the 3rd time - challenged again XX/XX/XXXX - Provisional dispute was to be applied again.
- Spoke with XXXX, XXXX XXXX Fraud Prevention
|
| 08/04/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
The Goldman Sachs Bank Marcus has stolen over XXXX XXXX from me. I opened an account with them a couple months ago, I deposited around XXXX XXXX and it has just sit, a little over a month ago I attempted to make a withdrawal, after I did this they locked my account without providing me with a reason as to why, and told me to contact them. I contacted them easily over XXXX times over the course of the past month and they have just shuffled me around on hold never getting me to speak to anybody who can help, just today I called and they said they have someone who can help me unlock my account and I just need to verify the phone number on the account, I gave them the only phone number I have, the one I verified, my own personal phone number which I am more than confident I know, and they told me it was not tied to any account. Then I called back later trying to change the phone number on the account, and they asked for my name, I gave them my name and they told me they have no record of anyone with an account with that name. So basically, they prevented me from accessing the money in my account and then deleted all of the records of my account. I had put the majority of my savings in here and I can not afford to lose this. It has been over a month and I am beginning to get desperate for assistance, please help.
|
| 09/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am writing to express my extreme dissatisfaction with the service I have received regarding my XXXX savings account. My account has been locked for two weeks now, and despite multiple calls to customer service, the issue remains unresolved.
XXXX of Events : XX/XX/XXXX : I called customer service and was informed that my account was locked due to identity verification issues. I was told that an affidavit of identity would be mailed to me within 7-10 days.
XX/XX/XXXX : I called again to follow up and received the same response as before, with no new updates or solutions offered.
XX/XX/XXXX : Despite waiting for the promised affidavit, I have yet to receive it. Another call to customer service yielded the same response as my previous interactions.
I have approximately {$15000.00} in my account, and the fact that I am being withheld access to my own money is unacceptable and highly concerning. This situation not only disrupts my financial planning but also erodes my trust in XXXX as a reliable financial institution.
I demand immediate action to resolve this issue. Please expedite the process of sending the affidavit of identity and unlocking my account. Failure to do so will force me to consider alternative actions, including filing a formal complaint with regulatory bodies and seeking legal advice.
|
| 09/26/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I added my wife 's name to my account with GS Bank ( Account # XXXX ). The bank requested a new signature card, which my wife and I completed, and I returned. I then received an email saying that the card was not received. When I called, I was told that it was received, but that my social security number was incorrect. As far as I can tell, a zero with a slash through it was incorrectly read as a " XXXX '' rather than a " XXXX ''. The representative told me that a new signature card would be sent overnight on XX/XX/XXXX, and all that was required was my signature and another copy of my SSN.
That overnight letter was not mailed until XX/XX/XXXX, and received on XX/XX/XXXX. When I called and asked what happened, " XXXX '' told me that they made a mistake, and " that happens. '' He also told me that I would have to again travel and obtain my wife 's signature, and provide the other easily provided information.
When I called again today, I was told that " everything is ok '' without any explanation. I do n't know what is needed, or why the delay/error occurred. The explanation that " errors just happen '' indicates to me that GS Bank has not resolved essential process aspects to their banking model.
I would like a clear explanation of what is needed at this time, and how they want the SSN written or typed.
|
| 11/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I opened an Apple credit card account on XX/XX/2021. Apple never provided me with the Truth in Lending Disclosures in the correct tabular format. I am financing 2 items from their company. Pursuant to 12 CFR 1026.6 ( b ) ( 2 ) and 15 US Code 1632a, Apple has failed to disclose this information to me, the consumer. I have spoken to an agent via support through text messaging and she assured me that these disclosures can be accessed in the " terms and conditions '' in the " Wallet ''. After doing my own due diligence I have found no TILA disclosures under Apple 's terms and conditions. I have also reached out to Goldman Sachs, and they have also stated that the TILA disclosures can be found there as well. In addition to all of this, there is no option for the consumer to auto receive periodic statements through the post office mail for their account. The same agent told me that I would have to call or text them every month to get periodic statements mailed. So, I can't have physical periodic statements mailed to me, I have not been provided with required material disclosures, and those will not be mailed either. Apple is trying to collect on a debt that I was never informed properly about, never given the required disclosures to inform me about the use of credit or what amounts are being subject to the APR.
|
| 10/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2021 I purchased an item in the amount of {$380.00} on my Apple credit card from XXXX. Although my tracking says it got delivered on XX/XX/2021, the package never got delivered. No signature for the package was required. I immediately filed a dispute with Apple, XXXX XXXX XXXX. I also had my landlord check the security cameras and no one entered my building on the day and time of the " delivery. '' When I file the dispute, Apple takes the charge off my balance, then when 60 days ( 2 billing cycles ) go by, they add the charge right back to my balance, which in turn makes me call back and have to explain my story all over again. They then file a new dispute and temporarily take the charge off and the cycle goes on and on all over again. Finally, in XX/XX/2021, Apple asks for any proof that will help the dispute when I contact them. I send in a text communication thread between me and my landlord asking him to check the cameras and him telling me no-one entered the building thru the apple wallet app. I've spoken to XXXX, Apple and XXXX, all representatives are horrible. No one is helpful. Including management. I feel like I'm at a dead end. XXXX and XXXX sends me back to Apple. This has been a nightmare to say the least and this is abuse to customers. Again, this has been going on since XX/XX/2021.
|
| 05/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I used my Apple Card by XXXX. Bank for 2 different car reservations from XXXX XXXX XXXX One was from XX/XX/2023 until XX/XX/2023 and the other was from XX/XX/2023 until XX/XX/2023. I disputed the charges because they were not as agreed upon when I booked the reservations for the vehicles. The XXXX reservation was overcharged by {$800.00}, and the later XXXX reservation was overcharged by {$2000.00}. The XXXX reservation included upgrade charges of {$720.00} for which I shouldnt have to pay because the vehicle I booked and reserved beforehand was not available for me on pickup day and time. The issue Im having is that the credit card company issued me a provisional credit while those charges were investigated. However, the provisional credit isnt available to the customer to use if they choose to do so. The credit card company explained to me over the phone that until the disputes get resolved I wont see that credit in my available balance. In other words, your credit card limit is lowered by the credit that is being disputed upon, until those matters are resolved. I responded by saying that according to the American dictionary that is not how provisional credit is supposed to be afforded. They responded by saying that there was nothing else I could do except wait for a completion of their investigation.
|
| 04/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
In XX/XX/2023, I notice several charges on my apple credit card from multiple venders that approximated a total of {$6000.00}. The first charge was on XX/XX/XXXX and the last was on XXXX XXXX. I submitted my first fraud report to Apple on XX/XX/XXXX, but they did not freeze my card. The charges continued until XXXX XXXX when I finally was able to get Apple to freeze my card. I submitted a fraud report for all the charges adding up to about {$6000.00} and after an initial investigation, Apple told me the charges were verified. When I went on some of the websites from the charges, many of them were from overseas stores and some I could not find at all. I submitted a dispute to Apple for all these charges again on XXXX XX/XX/2023. The dispute findings have not been finalized yet. I did my due diligence in informing Apple as soon as I saw the charges but because they did not take proper steps, there were additional charges made to the card. The credit card fraud I have experienced is very significant due to their lack of due diligence. The pattern of purchased made on my Apple Card is clearly a pattern of fraud. I have never purchased from any of those venders before, or made charges in that amount to any of my cards. I am requesting this issue be looked into as it has severe financial repercussions for me.
|
| 03/22/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Web |
Older American |
|
Marcus CD early withdrawal of 6 months penalty is too high, its a business fraud.
On XX/XX/2022, I opened a CD account ending XXXX with interest rate at 1.98030 % ( 2 % ) for 24 months with an initial deposit of {$250000.00} ( fund was raised from the entire family ). Unfortunately, I had to close the CD account due to family emergency on XXXX XXXX, 2022. I understand that there would be 2 month interest penalty for early withdrawal but Marcus charged me 6 months instead. Instead of earning interest for the 5 months ( XXXX XXXX = $ {$2000.00} ), ended up my account was debited {$2400.00} on XXXX XXXX when account was closed. That's a rip off, in sin and unacceptable. Marcus is worse than a loan shark. Is such an illegal activity being monitored by the government?
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$2000.00} XXXX XXXX {$2400.00} I strongly believe Marcus is a big SCAM on this penalty. I wish could step in and help to get our hard earned money back. Thanks.
I was not informed or aware of the 6 months high penalty of early withdrawal and 2 months penalty would be more reasonable.
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| 08/22/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Managing, opening, or closing your mobile wallet account
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Web |
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My girlfriend applied for an Apple Card early on in XXXX. I was initially added on as an Authorized User, and soon after lost access of the ability to add the card to my mobile wallet because the app kept saying " Unexpected Error '' when trying to add it. I filed a couple of tickets in regards to this issue over the next month, and just gave up because I could not come to a resolution.
Fast forward to XXXX, and I got approved for an Apple Card of my own. Apple Card lets you invite someone you're sharing their family plan with as a " Co-Owner '' to your credit line. My girlfriend accepted my invite, and our accounts were seemingly merged together. Her credit line increased by the amount that I was approved for, and my status updated as Co-Owner ... however, my device showed a notification from XXXX XXXXXXXX saying that my Apple Card was closed and to re-add the new account in the main menu. I tried, only to be met with that oh so familiar " Unexpected Error '' messages yet again. I've hopped both my girlfriend and I 's XXXX XXXXXXXX accounts between various XXXX XXXX, XXXX XXXXXXXX and XXXX, and it is 1000 % either an issue with my social reporting to Goldman Sachs, or my XXXX XXXX. Neither XXXX or Goldman Sachs can do much besides file tickets and refer me back to square 1 with the opposite party.
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| 02/09/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
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I received an email from Marcus by Goldman Sachs in XX/XX/XXXX, stating that my savings account has been closed. It took me three calls into their Customer Service Department to find out WHY this happened. Once I learned of the issue, I take full responsibility for why it was closed.
However, I have called into Marcus multiple times to get my money back, starting in XX/XX/XXXX. In XX/XX/XXXX, I sent in an affidavit of identity because I had moved apartments so that they could send a check to my new address with the funds. I verified they had received that on XX/XX/XXXX and were reviewing. I was told I would receive a call. I did not receive anything. On XX/XX/XXXX, I called in again and was told that a new Work Item would have to be opened from this call, which could take 1-3 business days. I was told I would receive a call. I received nothing. On XX/XX/XXXX, I called in again. This time, I was told that it was NOT possible for a check to be dispersed, and that my notarized affidavit was a wasted effort and three weeks that I could have been following up. I paid {$4.00} for this. From the XX/XX/XXXX call, I was also told that my account was in the process of being re-opened so that the funds could be moved there. I am not sure why this process has taken XXXX months, and all I want is my funds back.
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| 07/02/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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Goldman Sachs used an old XXXX XXXX that is NOT a valid email to me. They kept using that address, and I never got the notices on an account I started on XX/XX/2021. They then recorded and delinquent status to my credit report as three months delinquent on XX/XX/2021. Neither Apple nor GS would do anything about their error in assuming my XXXX XXXX is my email. ( Old IDs could be anything, but more recently, Apple has required that IDs be valid emails ), unbeknownst to likely other customers who had old XXXX XXXX and had never used an Apple Card and me. The internet is rife with this problem and associated complaints.
I asked them to release that delinquency, given a changed rule victimized me at Apple with GS that occurred two years ago and about which I was not advised. And restart their billing as of today. None of my credit card accounts are even 30 days past due. -- and they refused. They also would not refer this discussion to anyone who could help.
THIS IS GROSSLY UNFAIR! and violates the transparency in lending.
Apple consumers beware of this agreement between Apple and Goldman Sachs. This requires you, the customer, to use your email as an ID when you may not want it all over the internet and when all other credit cards can use the email you applied with as the notification destination.
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| 03/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
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On XX/XX/XXXX XXXX charged my credit card XXXX and XXXX. Both are unauthorized charges as I have never placed order from XXXX. It is not retail website, but rather XXXX. I tried contacting XXXX, however I have failed to get any respond from them. Then I filed dispute with XXXX XXXX who services XXXX XXXX XXXX. Finally, XXXX refunded partial for the amount of XXXX on XX/XX/XXXX but not full amount of XXXX it charged. This is unauthorized by XXXX. So, far XXXX XXXX has refused to refund the difference or provide any evidences to support XXXX proof that I made any purchase or received any product or services from XXXX. Nor have XXXX provided me with any proof of products or services provided by them to me. XXXX XXXX asking me to provide proof that I didn't make those purchases, which I have none because I didn't make those purchases.
Further more I have tried contacting CEO of both XXXX and XXXX XXXX - either one 's office have responded to my emails.
I have more dispute regard XXXX XXXX lights that purchased that came damage, they won't return or refund them. I tried contacting the company so many times, but look - see attached emails. It took months to receive the product and then they were damaged and most of them no longer work now. That is another dispute running with XXXX XXXX for {$170.00}.
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| 11/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1975 APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Block of information due to identity theft Dear APPLE CARD/GS BANK USA Your company has been negligent in my recent requests in regards to negative accounts listed onto my consumer report. I never gave consent for your company to furnish any accounts on my behalf. The below accounts are a result of identity theft and I am demanding they be blocked and removed within 4 days of receipt of this letter. This request was not made in error I am competent of making this request. This request is not being made for material misrepresentation nor did I receive goods or services or moneys in regards to the transaction. If your company believes that I received goods or services it shall show proof sworn under penalty and perjury of the goods or services I have received. I do not consent to an E-Oscar response. The following accounts are listed below Account Name : APPLE CARD/GS BANK USA Account XXXX : {$8400.00} Account Number : XXXX Your company has XXXX business days to remove the above accounts listed. I am demanding that the following accounts be removed as it is directly affecting my ability to obtain consumer credit and is causing harm to my financial reputation.
I look forward to your response.
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| 11/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/XXXX, I was a victim of grand larceny and identity theft after someone stole my phone and hacked into my email account and all of my banking apps. The thief hacked into my XXXX ID and was able to lock me out of it, so I no longer have access to anything that was on the physical phone. They still have access to my photos, notes and any XXXX ID apps like my notes or files apps.
Once the thief got into my phone, they found my social security number on a document in my email and proceeded to open XXXX new credit cards, and then they added those credit cards to my XXXX XXXX. I believe they went into physical stores to use my XXXX XXXX on my XXXX. I reported this to the police who are actively investigating.
The thief opened the following accounts in my name and spent : - XXXX Credit Card ( account ending in XXXX card ending in XXXX ) : They spent {$970.00} at XXXX XXXX on XX/XX/16 at XXXX XXXX ET -- see attached receipt and a letter from XXXX I XXXX saying that my address had changed.
- XXXX Credit Card : Has a balance of {$6000.00}. The following charges were reported at these locations : XXXX XXXX XXXX XXXX {$3000.00} XXXX, XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$540.00}, XXXX am, XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX
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| 10/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I have recently applied and was approved for a personal loan with Marcus by Goldman Sachs. I was lured to their website via a marketing affiliate that they have. My goal was to use the funds approved to pay off another lender with whom I currently have a personal loan with. I went thorough a two step process of first getting prequalified and formal application for approval. In both of the steps, I was NOT disclosed or fully made aware that I can only use the funds to payoff a limited number of lenders or banks they they work with. I only came to knowledge of this information after receiving approval and when I attempted to set up the lender so that they can pay them directly, which is a requirement. I contacted their customer service and they advised that the only option I had was to pay off other lenders that are on their approved list or withdraw my application. I was not even offered the option to lower the amount of the loan since I had other debt obligations that I could use the funds to payoff or direct deposit to my bank so that I can use the funds to pay the other lender. I believe this " bait and switch '' practice is truly unfair and in violation of fair lending requirements. Please take my complaint seriously and investigate this further so that they can stop to deceive more borrowers.
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| 12/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
Older American |
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I applied for a personal loan on their website after they have sent me hundreds of messages to me promoting their personal loans. When I applied for the loan today ( XXXX ) they denied me the loan citing the following reasons : Recent number of payments too low Lack of mortgage trade history on file Too many inquiries in the last six months The top most reasons makes no sense.
What kind of payments are they talking about? How many is too low Lack of mortgage history. I have had three mortgages in my life. All of them have been paid off successfully They gave the following information about my credit score Your Credit Score : 808 Date : XXXX Scores range from a low of 300 to a high of 850.
I am assuming that this is the credit score that they used to make decisions. If that is the case, 808 seems to be a pretty high score If not they should tell me what type of score this is. What is the point of giving me a credit score that seems to have no connection to the credit decision?
I think Goldman Sachs is violating a bunch of FCRA / CFPB / FTC rules in denying me credit.
After I was denied credit, I XXXXXXXX XXXX to see if there are any complaints. I saw a few news items that suggest that XXXX has stopped making personal loans. If tat is the case they should not have accessed my credit report!
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| 07/18/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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URGENT! MY MARCUS ACCOUNT IS FROZEN I transferred my funds from XXXX XXXX and XXXX Bank to Marcus by Goldman Sachs. Shortly thereafter, I entered into escrow to buy a home. Now, Marcus has frozen my account with {$260000.00} in it.
Marcus says they won't release ANY of my funds until they can verify the account ownership of my XXXX XXXX account ( which is now closed ) where SOME of my funds came from. They verified ownership of my XXXX Account where the rest of my funds came from, but they won't give me access to those funds either.
XXXX Bank is in the middle of a merger or reorganization and can't be reached by phone due to 100 plus minute wait times that never get shorter. I have spent hours on the phone with Marcus.
Marcus said they could also verify ownership of my former XXXXXXXX XXXX account by a copy of an account statement, but it had to be sent by mail.
I sent them a copy of my XXXX bank statement by XXXX Mail XXXX. According to the tracking number XXXX it is " ready for pick up '' but no one at Marcus can guarantee that my funds will be available to wire in time for my escrow close. Meanwhile, I need immediate access to these funds in order to fulfill my escrow obligations or I may lose out on my purchase and forfeit my {$21000.00} deposit.
Please help. Thank you. XXXX XXXX
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| 01/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Goldman Sachs purchased my mortgage note from XXXX XXXX in 2006. A securitized transaction that included my home loan was completed on XXXX XXXX, 2006.
The transaction names XXXX Bank as the Trustee for Goldman Sachs XXXX XXXX XXXX XXXX.
The transaction is deemed invalid, as the mortgage note was not transferred or recorded into the Trust within the 90-day closing period that is required by New York law and the Pooling and Servicing Agreement.
For the past few years, Goldman Sachs has relied upon XXXX XXXX XXXX Mortgage and XXXX Bank to fabricate fraudulent Assignment of Mortgage documents in an effort to gain a legal standing to execute a foreclosure sale against my home.
These types of action have led to the recent approval of a civil lawsuit against Goldman Sachs for {$5.00} XXXX Dollars ; which, I am seeking inclusion in the suit for wrongful foreclosure, unfair business practices and excessive emotional grief.
Without recording the mortgage note into the Trust within the required 90-day time frame, Goldman Sachs, its Trustee or other representatives have no standing to foreclose on my home.
I am a U.S. veteran who should not be subjected to shady financial transactions that were orchestrated by banks / investors who assisted in the toppling of our country 's financial system.
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| 05/19/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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I applied for a debt consolidation loan with XXXX XXXXXXXX in the amount of $ XXXX. XXXX XXXX applied the money yo my Apple Card through Goldman Sachs.
I contacted Goldman Sachs and requested the money be transferred into my personal banking account with XXXX XXXX. I was told it would take 10 business days. After the 10 days expired I contacted them again. I was told the request was under review and I had to wait 10 days. I waited and still my request had not been handled. I contacted Goldman Sachs a third time spoke with a supervisor who said the request had been canceled for some reason. The supervisor said she would put the request in again and it should take 7 business days. Still nothing! I contacted them again and was told the matter was under review due to the amount and making sure no fraud was involved, i was given another 7 day timeframe and told the matter had been escalated.
I contacted XXXX to see if they would contact Goldman Sachs on my behalf. They gave me a number to provide to Goldman Sachs for them to call which, I provided. I still have not been able to get my request resolved and have been getting the runaround and XXXX poor service from Goldman Sachs. Since they refuse to give me my money do they have to pay me interest on my credit on the Apple Card? Please HELP.
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| 04/05/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have new and updated information regarding case number XXXX with Goldman Sachs Bank . On XX/XX/XXXX, a validation of debt letter and cease & desist letter was delivered to Goldman Sachs Bank regarding an alleged debt, that they have fraudulently been attempting to collect. After ten days following the delivery of both of these letters, the company, Goldman Sachs failed to validate the debt by not sending any of the requested documentation I asked for in the letter. Not only was this after the ten day period I gave them, but they have yet to comply to my request to validate the debt. Following the delivery of the cease and desist letter, Goldman Sachs has failed to comply my request by harassing me on numerous accounts in connection with attempting to collect this debt. This company has called me, on my days of ritual and in the middle of my workday. Instead of validating the debt, this company has only sent me a paper statement fraudulently attempting to collect on this debt. On XX/XX/XXXX, my list of facts and statements of truth were sent in an affidavit of truth, consisting of several exhibits as clear proof for my case. On XX/XX/XXXX, a full bill of particulars was also delivered in demand of remedy for all violations of my consumer rights that Goldman Sachs Bank has made against me.
|
| 05/18/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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The company, Goldman Sachs acting through Apple Savings, allowed me to add two external bank accounts for withdrawing funds. They stated that it would take 1-3 business days to process external transfers. I requested transfers on Monday, XXXX. When no cash had shown up by Wednesday, XX/XX/XXXX, I called customer service and was informed that it was actually 1-5 business days ( not advertised conspicuously anywhere in their customer facing interact ). When no cash had arrived by Friday, XX/XX/XXXX, I called in and was told that the transfers had actually cleared and that I would see the funds on the next business day. When no cash arrived on Monday, XX/XX/XXXX, I called in and was informed that the transfers had been processed and I should see them the next business day. When no cash arrived on Tuesday, XX/XX/XXXX, I called in and was informed that ( i ) regarding the first account that I attempted transferred money to, the account had yet to be verified and ( ii ) with respect to the second account I had attempted to transfer money to the transfer had been flagged as suspicious and was under review until XX/XX/XXXX, when it was cleared and would be available in 1-3 business days. It is Thursday XX/XX/XXXX, 9 business days after the transfer request, and I still have not received my funds.
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| 01/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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Today XX/XX/XXXX I was charged for an unauthorized amount from an apple card. I have never applied for an apple card. Right away, I created an account with XXXX the same day to start and monitor my credit because I've had problems in the past, and found an apple account was opened in XX/XX/XXXX. It was paid as agreed until XX/XX/XXXX and late charges started to occur. I have no knowledge of this account and have never had any late or negative things reporting on my credit until this incident. I have over XXXX years of paid as agreed accounts. I am filing this report/claim as identity theft to me. Somehow my information has been linked and XXXX has a report of some of my information being found in the dark web. This incident has started to negatively effect my credit and I hope this is corrected as soon as possible. XXXX and XXXX XXXX provided me the statements for this account and a bunch of charges to apple were made from XX/XX/XXXX to XX/XX/XXXX where in XX/XX/XXXX the late payments started to take effect. I don't think I would have let a an account become delinquent and my credit history should prove that. I have never applied for a apple card through XXXX XXXX. I disputed the account with XXXX and they told me to file a report with the FTC. I hope this is resolved in a timely manner.
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| 08/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or misleading advertising or marketing
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Web |
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On XX/XX/XXXX, I was trying to buy a grill for my husband 's birthday at XXXX when I saw their app showing a special saying, " Get {$75.00} with a new Apple Card. When you spend $ 75+ with Apple Pay at XXXX XXXX stores, online, or directly from the XXXX XXXX app. Must open by XX/XX/30 '' I thought it was a great deal and applied for the Apple Card. I was immediately approved. I bought the grill ( {$590.00} ) and was happy to get {$75.00} back. After a couple of weeks, I didn't see the credit reflected in my account, so I contacted Apple Card customer support. On XX/XX/XXXX, the specialist XXXX said they opened a dispute for the {$75.00} after I explained the situation and sent the screenshots. I never got any answer. Last Friday ( XX/XX/XXXX ), I contacted them again, and the specialist XXXX said they couldn't see any dispute in my account. I feel extremely disrespected because I should never be wasting my time fighting for something that is my right since I followed all the instructions and did all steps for this special. It's ridiculous, and I would NEVER have opened an account with Apple Card if it wasn't for this {$75.00} bonus. I had multiple chances before and didn't even consider it ; this was the first time because I thought it was a great deal and opened one just because of it.
|
| 09/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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Web |
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I called Goldman Sachs apple card customer service a day before i made a payment via check to ask which address i could send an overnight XXXX payment and they assured me that it was the one they have on their website. At no point they said that they would not accept a XXXX delivery. They payment went out and sent back by XXXX because they could not deliver it to a po box . I called them and said that they were sorry that i was misinformed and taht i should send it via XXXX. I asked for them to refund me the charge and they said that they could not. I sent the payment via usps and they received it on XX/XX/23 at XXXX and the payment was not posted as a manual transaction until Tuesday XX/XX/23 at XXXX. I called today XX/XX/23 at around XXXX and asked why the payment has not been applied to my available balance and they claim that the payment i mailed was placed on hold until XX/XX/23 and that they had no explanation. I asked for a better clarification and they said they had none. I filled a claim with them. They are holding payments that are mailed in for more than 10 business days and that should not be the case when they have delayed the receipt and application of such payment. This will reflect longer on my credit report as a line with an outstanding balance when it is not accurate.
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| 01/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
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Web |
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My friend referred me to their savings account that offers an extra 1 % APY for 3 months for the persons who referred and who was referred. You get an additional 1 % APY for each additional referral you make ( up to 5 per year ). I accepted the referral, so my friend and I should have 4.3 % APY for 3 months. I then referred my mother and brother, so I should have 9 months total of 4.3 % APY. However, my friend wasn't credited for referring me and I wasn't credited as being a referred new member. Thus, she has no referrals listed and I only have 1 referral on my checklist. We have plenty of evidence supporting being an issue on their end and have spoke to the bank multiple times via phone and chat ( including one time where they required us both to be on the phone at the same time, forcing us to reveal our private information to each other, and then gave us a " tech ticket '' that was never followed through on. I've spent hours with them and they continue to promise it's fixed and then don't. I just got off a call with them today and now they're telling me they won't do it at all. We continue to be given the run around and denied the timely adherence to the terms we agreed to when creating our accounts. I seriously question whether this is intentional avoidance of adhering to the terms.
|
| 01/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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|
Web |
Older American |
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re. Marcus GM card no. XXXX XXXX XXXX XXXX On XX/XX/XXXX the account had a credit balance of {$780.00} On that same date I made a written request to close the account and mail the proceeds to the address of record ( Marcus has acknowledged receiving this correspondence and my directive to close the account ) Shortly after this date I received a check dated XX/XX/XXXX in the amount of {$780.00} After that date, even though XXXX had directed Marcus to close my account with a XXXX balance, I began receiving bills from Marcus indicating that I owed fees on the account I called Marcus several times ( XXXX ) but was told they did not close my account even though they acknowledged receiving my written directive to close the account on XX/XX/XXXX with a balance of XXXX They now tell me I must pay the fees they have charged me after my closing letter of XX/XX/XXXX before they will " close '' the account This may be part of a Marcus/Goldman Sachs strategy to attempt to recoup the {$10.00} XXXX dollar net earnings drop they experienced in XXXX This is the same company which received a {$10.00} XXXX bailout from the US government in XX/XX/XXXX because of financial mismanagement All I am asking to for Marcus/Goldman Sachs to honor my written directive to close the account effective XX/XX/XXXX XXXX
|
| 11/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
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I am having a problem with the XXXX XXXX XXXX credit card by Goldman Sachs. I have always paid my bill on time and have a very high credit score. I have accounts with many different banks and this is the worst company I have ever worked with. They do not stand behind their customers at all. My payment was due on XX/XX/XXXX. I went online that day, logged into my account to pay my bill. It would only let me chose XX/XX/XXXX to make a payment. I tried calling and sat on hold over 30 minutes and never got through and kept getting disconnected. So I processed the payment online. I received an email immediately, on XX/XX/XXXX that my payment was received. Any other company, XXXX for example if the payment is made after a certain time automatically reverses any late charge. I figured the same would happen. The payment was made on time on the due date of XX/XX/XXXX. That isn't the case with this company and I was charged on XX/XX/XXXX two separate interest charges in the amount of {$32.00} and {$37.00} for a total of {$70.00}! I have called multiple times, been transferred, submitted claims, waited for calls back that I have never gotten. I have wasted hours and hours of time on the phone over this and they will not reverse the charges. I am not even told why there are two separate charges.
|
| 10/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I have an apple credit card.
I never used my physical apple card more than twice in its lifetime.
I have used the 'digital ' number many times for online transactions.
On XX/XX/XXXX at XXXX XXXX while I was home in XXXX my credit card 's digital number was charged {$1500.00}. I immediately got notification on my iphone and called apple to report unauthorized use of my card. Apple card started the dispute.
I also attempted to call the merchant ( XXXX XXXX XXXX ) that evening to cancel whatever fraudulent order was placed however they could not assist me.
On XX/XX/XXXX I was notified that the transaction was not resolved in my favor, an " The merchant provided suffecient evidence that I made the purchase ''.
When I called and inquired with apple what proof was made for a fraudualnt transaction they could not provide me the proof and would 'mail me the documents which would take 7 days '.
Eventhough Apple and Goldman Sachs both agree there is 0 % liability for unauthorized transactions I wonder why I am being held liable for this unauthorized transaction.
I have re-initiated a dispute with apple card and now have to wait another 3 months for an answer.
this whole process is very elongated, excludes the customer, and is at best stupid along with goldman sachs customer service.
|
| 03/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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On XX/XX/2022, I was charged {$140.00} for a subscription that I did not authorize. The company claimed I had agreed to the renewal in advance but, at the time of initial purchase, I made sure auto-renewal was not enabled. I do this with every service related to my business.
Similar to my other filed complaint ( XXXX ), I have had to repeatedly dispute this transaction with Apple Card . This issue, in addition to the other complaint, is what led me to cancel my card with Goldman Sachs and Apple.
Per their request, I provided detailed communication to Apple Card about how I was charged without my authorization. I provided written communication and screenshots of my current account type with XXXX ( I have the " free '' version ) to Apple 's dispute department.
For whatever reason, Apple Card continued to tell me that their dispute resolution team found that I was still liable for an annual subscription that I did not authorize. To date, I still have the " free '' version of the service and have not used the service at any point that I was charged.
Apple auto-drafted a portion of the {$140.00} as payment after denying my dispute for the XXXX time.
In XXXX, I had a credit of {$94.00}. In XXXX, when they reversed the charges again my balance went from $ XXXX to owing {$57.00}.
|
| 10/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
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|
I closed the account because the credit card company can not validate the debt. I am the original creditor as a result, I have been contacting the merchant to provide the following documentation. certificate accounting statement they have so far went delinquent In this matter. I have sent past due invoices for them to pay my company for the following charges U.C.C. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, A PROPER BILL. {$1500.00} per page. It is my understanding that if no dispute, rebuttal or contest of this NOTICE OF UNDERSTANDING AND CONDITIONAL ACCEPTANCE AND REQUEST FOR A PROPER BILL AND LAWFUL CONTRACT AND FULL RECORD OF ACCOUNTING AND FEE SCHEDULE, Notice of Lien Notice Of Lien, Truth and lending violation, Mail Fraud and Racketeer, falsifying records, deceptive and misleading representation, violation of Fair Debt Collection Practices Act.
Title 15 USC .1601 ; Title 15 USC 1692 15 USC 1692 ( g ) ( 8 ) ; USC Title 18 2071 and 2073 ; USC Title 18 471, 472, 473, and/or 513 ; Title 18 USC 1341- 1842 XXXX XXXX XXXX 249 P. 2d 257 and 260 Title 28 USC 1746 ( 1 ) I am asking for the CFPB to contact them to have my account settled, discharged and close with a XXXX balance and my invoice paid. Thank you any question call me XXXX.
|
| 05/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Dispute case number : XXXX Transaction date : XXXX XXXX, XXXX Merchant name : XXXX Disputed amount : {$4900.00} This order was received on XX/XX/2021 tracking number XXXX.
The item was received damaged and turned out to be a counterfeit XXXX product.
The title of the listing was advertising as a XXXX XXXX when the item that was received turned out to be a XXXX build with a counterfeit install of XXXX XXXX.
I have attached the XXXX proof of delivery showing the original sender 's address.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I requested a return label from the seller, I returned the original order via XXXX on XX/XX/2021, and the seller received it on XX/XX/2021. ( attached is the proof of delivery ) The seller has a XXXX return policy, and XXXX returned window closed on XX/XX/XXXX.
The return was received well within the return window and I have never received a refund from the merchant.
I disputed this with Apple Card and they are not even requesting evidence from the merchant nor are they providing me with a detailed response from the merchant or written explanation of their findings.
there are currently multiple online incidents of Apple Cards unfair dispute process to consumers there is currently a class-action lawsuit being formed.
XXXX XXXX XXXX
|
| 02/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Transaction date : XXXX XXXX, XXXX XXXX name : XXXX Disputed amount : {$4900.00} Reason for dispute : merchant claims they never received the return.
Apple card rejects my case and sends a letter in the mail stating the merchant never received my return. ( See attached doc ) Apple card closed this case XX/XX/XXXX stating " The XXXX evidence states the Customer initiated a return and returned the item to the XXXX outside of the return window timeframe. '' PLEASE SEE THE CONSUMER FINANCE COMPLAINT ( XXXX ) Dispute : XXXX Apple Card closed the re-asserted case XX/XX/XXXX with a different reason " The Merchant received the merchandise on XX/XX/XXXX, and shipped the merchandise back to the XXXX " PLEASE SEE THE CONSUMER FINANCE COMPLAINT ( XXXX ) Apple card Goldman Sachs keeps changing the reason why they won't refund me and continues to side with the merchant without providing me any evidence from the merchant. THIS IS COMPLETE FRAUD. Each time I send them new evidence to disprove their claims, they change the reason why they can't refund me!
APPLE CARD GOLDMAN SACHS HAS NOT PROVIDED ANY EVIDENCE THE MERCHANT SENT THE ITEM BACK TO ME VIA MY MAILING ADDRESS NOR HAS GOLDMAN SACHS SENT ME A LETTER IN THE MAIL STATING THIS NEW CLAIM.
APPLE CARD GOLDMAN SACHS IS COMMITTING FRAUD.
|
| 06/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have become aware that Apple Card continues to excessively violate my consumer rights. I have had multiple encounters with Apple Card and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation. I did not give my consent or authorize them to furnish my nonpublic personal information. This behavior constitutes dead-right fraud and violates consumer protection laws. Apple Card has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous CALLS, EMAILS, ETC constitutes HARASSMENT AND ABUSE, which is also a violation of the law. Per the FDCPA, it is a {$1000.00} fee per violation! Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a 20-year prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. Account Number : XXXX
|
| 07/14/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
This complaint involves Marcus /Goldman Sachs XXXX XXXX XXXX XXXX ) headquartered in NY . I had XXXX investments there. A savings account and a {$200000.00} CD 2 year term.
On XX/XX/2023 I informed them ( By phone ) I wanted to close the CD and roll that balance into that savings account. I asked the customer representative what the CD early closing penalty was because they did not provide a copy of the CD or any other documentation when I opened it that would have provided that information. I was informed that the early termination penalty was {$1000.00} dollars and I agreed on the transaction.
In 3 days I check my online account to discover that they penalized me {$1800.00} dollars instead of the {$1000.00} they told me. I called them several times trying to resolve this ( refund the extra XXXX dollars ) .They reviewed the telephone conversation and said " yes she made a mistake '' But refused to fix this saying theres nothing we can do. They refuse to give me access to the recording as well. Three supervisors were contacted and all they did was read me the case notes. I would not have made this transaction if they had provided the right information. I want to get a fair resolution to this as they made the mistake causing me to make this investment with bad information..
|
| 05/04/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
I have bought Apple gift cards from various vendors over the last few months. All the gift cards were successfully redeemed on app store. My current apple account balance is XXXX. On XXXX XXXX XXXX, I tried placing an order on Apple.com and tried using the apple account balance. However, I was unable to place the order. See the attached screenshot ( Error Message-1 ) I tried calling Apple support and they mentioned that my account will be reviewed and subsequently the funds will be released after someone " reviews '' it. I tried placing order on XXXX XXXX XXXX and same issue happened. This time, I received other error message ( Error Message-2 ). The issue persisted on XXXX XXXX XXXX and none of the customer service representatives ( from pre-sales, sales, XXXX XXXX, store credit ) departments were of any help. Today ( XXXX of XXXX ), I spent so many hours trying to use my apple account balance. I received the same error message. However, an agent I talked to mentioned that my account has been reviewed and Apple has decided not to release my funds. He also hinted to file a dispute with credit card. I asked him, what the course of action was since my funds are being held by Apple and I am unable to use it? He mentioned that there is nothing he can do. I want access to my funds.
|
| 03/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Goldman sach 's bank usa closed my account ending in XXXX and ending in XXXX on XX/XX/2023 20 minutes after been full identity identicated verified with fraud department who XXXX XXXX a supervisor in fraud dept removed all blocks on account.
And said it was okay to used both accounts. Also she confirmed there were no account reviews which is stranged from past agents who said only account ending in XXXX was in review. 20 minutes later same day i recieved notices that both accounts were closed.
I contacted customer services and transfered me back to fraud department a different supervisor told me account was closed from back office team after retriction was lifted from XXXX XXXX.
I believe goldman sach 's bank usa discriminated me and also closed my accounts due to previous cfpb complaints filed against the company.
i am waiting on a good reason why my account was closed when i was verified threw fraud dept.
its always back in fourth errors with their agents and put unnessary account reviews when issue was resolved numerious times. as a punishment they come up with some excuse to close my accounts as punishment retailation.
i will seek attorney to sue this company for discrimination.
now i have unwanted closed accounts that will damage my credit because of agent errors.
|
| 06/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Made a I made a purchase on XX/XX/04 using my apple credit card and its been down hill ever since. I reported the charge because the merchant canceled my order but i never received a refund for the {$490.00}. I disputed it within a couple days and i was given a provisional credit which i have no access to. So the credit i was given was basically a fake credit that i cant use. They said itll take 90 days to get my credit back. 90 is is ridiculous considering i have proof of the cancellation, But why issue a credit i cant use? A Provisional credit is a temporary credit issued from a financial institution into your bank account. It's often used in situations where a transaction has not been verified or is being disputed. Obviously Apple/GS Bank doesnt know how a P.C should work. XX/XX/XXXX i raised a dispute, here it is 30+ days later and I havent received an update or anything and i still dont have my money back. I spoke to several different people and theyre all clueless. They were unprofessional, i told A CSR that the merchant agreed to a cancellation of the order and the rep tried to get me to close the dispute and work it out myself. Their investigative practices are terrible. Its not fair how they arent investigating anything and i dont have my money put back onto my card.
|
| 02/10/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
II have XXXX different account with Marcus XXXX saving and XXXX CDs.
I have been trying to get my accounts closed and my transferred back to me since XXXX XXXX XXXX XXXX I was told, the account is closed but the closing process will take about 5 to 7 days and I should have my money back by XX/XX/XXXX XXXX
I called back in XXXX, I was told, the account actually did not close in XXXX, it was closed XXXX XXXX and it will take 30 days for the process and for me to get my money back.
I called back Monday XX/XX/XXXX, I was told account was still not closed. I once again initiated the close request wend through the verification process etc. I was told, I will have my Money by next day, since we completed the process prior to XXXX XXXX
I called back on Tuesday XXXX XXXX : I was told account is still not closed as they needed some verification from my other bank ( i stayed on a XXXX way call with Marcus and my bank till all information was verified ). Then Marcus said, they had everything now and I should have my money in XXXX to XXXX business days. Friday XX/XX/ : still no money : I called back and now I am being told that they dont have any timeline for the closeout process and once they have completed their process I will get my money. They can not say how long it will take.
|
| 04/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American, Servicemember |
|
On XXXX there were fraudulent charges on my credit card in the amount of {$14000.00} and the funds were taken from my checking account on XXXX XXXX, XXXX that was linked to autopay for my credit card charges. I notified my credit card company about the fraud and I was reimbursed twice in error, once on XX/XX/XXXX with a paper check and once on XX/XX/XXXX with ACH reversal. On XXXX XXXX I received a bill from my credit card company for {$14000.00}. On XX/XX/XXXX my bank manager helped me get a cashiers check for {$14000.00} and I mailed it to my credit card company the same day certified mail, return receipt requested. The due date on statement was XX/XX/XXXX, and they received payment on XX/XX/XXXX. I was surprised when I received a statement in XX/XX/XXXX indicating I owed them {$110.00}. When I called them to inquire about the bill on XX/XX/XXXX I was told it was 3 days interest because they claimed I didnt meet the payment deadline. I then mailed them copies of all documents to prove I did indeed send payment on time on XX/XX/XXXX. I received another bill from them for {$150.00} since they tacked on late fee and additional interest charge with a due date of XX/XX/XXXX.
I have called about this numerous times and they are only willing to waive a portion of the interest.
|
| 03/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I authorized a balance transfer from my Apple Card to my XXXX card, for the amount of {$1000.00} plus {$50.00} transfer fee. On XXXX XXXX, XXXX, I realized that the transfer had not yet gone through on my Apple account, so I messaged XXXX. They told me to wait another 14 days. I waited and contacted them again on XX/XX/XXXX by phone, and they told me to contact Apple because the transaction had gone through on XXXX 's end. I called Apple, and they informed me that they do not accept balance transfers ; therefore, the money. had been sent back to XXXX. I called XXXX to inform them of this. I was told that a senior account specialist was looking into my complaint, but then I never received followup on the issue. On XX/XX/XXXX, I called XXXX again, and they told me they could not help me. On XX/XX/XXXX, I filed a complaint with the BBB. The {$1000.00} was temporarily credited to my account, until XX/XX/XXXX, when XXXX decided that the issue was " resolved, '' and they sent me a letter stating that I would have to take up the issue with Apple. I then sent Apple/Goldman Sachs a letter by mail, explaining the situation and requesting that they work with XXXX to resolve the situation. Nothing ever came of that request. I still owe {$1000.00} to both XXXX and Apple.
|
| 10/31/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
A charge for {$100.00} was made after much research of available attractions. The terms stated that all attractions were open and eligible.
Due to the main attraction we wanted, we purchased the plan only to later find out that the attraction was closed for the season and advised this to the merchant selling the attraction pass. The merchant failed to update accordingly and fraudulently advertised an attraction that was unavailable. As a result they issued a 50 % refund. A dispute was filed for {$53.00} multiple times and GS agents continuously placed as the full amount including supervisors that said they understood and still put full amount.
Countless times assured only {$53.00} dispute and each time notified by email that full amount was disputed. Each time being ignored to rectify. Then closed advising refund was already issued. The problem here is everything Ive said is ignored by GS and unreadable documents from merchant is the decision to deny the claim.
This pass would never have been purchased if the merchant would have not been fraudulently deceptive. GS agents say they can only take my complaint and send to a department that refuses to communicate with me.
Even after making a XXXX accommodation request, I continued to be ignored and discriminated against.
|
| 03/17/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
I filed the complain on XX/XX/XXXX, case number of XXXX. The bank still refused to close my accounts and I reject its explanation completely. This is not trustworthy bank and no wonder why it's ranked 1 out 5 on XXXX with over 400 complaints in the last 12 months.
The bank doesn't have a valid system to communicate with its customers effectively, its so called " specialists '' who are a untrained group of people, every call took hours and no problem can be solved. Its called back phone ID method is totally broken, it works one day and not functional on another day. How can the bank all depends on a phone call? Why the bank just sends a check in my name to close my accounts like other banks do? In the matter of fact that the bank did refund a portion of my money to my linked account with the XXXX XXXX XXXX from one of the three account on XX/XX/XXXX and refused to do the same with the rest of my money.
The bank has no right to hold my money and I demand the bank to release all my funds back to the linked account with the XXXX XXXX XXXX where all deposits were made from or simply send me back a check in the amounts.
This bank has no protection to its customers, the only thing they are capable to do is to block its customers ' access and hold other people 's money.
|
| 10/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Servicemember |
|
My issue began with Goldman Sachs Bank USA in XXXX of 2022. I disputed a charge in the amount of XXXX for XXXX XXXXXXXX XXXX XXXX I put my dispute in writing. I paid all of my bill that month, minus the disputed amount of {$8.00}. In XXXX of 2022, I was charged again for XXXX XXXX {$9.00} this time. I paid my bill in full, minus the disputed charge of $ XXXX In XXXX of 2022, I was charged {$9.00} for XXXX XXXX AND XXXX XXXX credit for {$9.00} ( a disputed charge ), {$9.00} ( a disputed charge ) and a credit for {$8.00} ( a disputed charge ). So, XXXX agreed with me that these charges were not authorized. I thought the issue was resolved. No. In XXXX. I was again charged XXXX for XXXX I paid my bill in full except for the $ XXXX disputed the charge. In XXXX, I was charged {$9.00} and credited {$9.00} for this same disputed charge.
My issue is that all along this credit card company has been charging me interest on the disputed charges. Total interest charges are now at {$33.00}. This is outrageous. I have always disputed the charges ( evident by receiving the credit ) and have written to this company asking for credit on my erroneous interest charges. They refuse to issue credit for the interest charges. I want this company to credit me {$33.00} in interest charges.
|
| 10/01/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Goldman Sachs Bank closed my XXXX savings account without notifying me on XX/XX/XXXX. I couldn't receive over {$6000.00} direct deposit XX/XX/XXXX. The savings account pays my rent XXXX and XXXX, XXXX XXXX credit cards XXXX. They are not paid and hefty no-check fees, no-payment penalties, and late fees follow. I am a XXXX XXXXXXXX XXXX of XXXX at XXXX XXXX in NJ working on my tenure and recontracting packet for submission deadline on XXXX. This mistake by Goldman significantly disrupted and delayed my completion of the packet and may result in health deterioration and job loss. My tax return refunds are scheduled to be receive by Goldman Sachs savings account.
It was revealed by an account manager at midnight XX/XX/XXXX that the reason for the un-notified closure was due to ACH transfers to a checking account in the amount {$160.00}, which in XXXX meant a lucky number of " will be smooth and lucky '' and convinced the manager as motivated by superstition. However, Goldman Sachs Bank continued their wrongful closure and refused to return the money to me ASAP but insisted on taking 2 business days to review the account without taking any action to remedy my losses they are causing.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
And XX/XX/XXXX I apply for the Apple credit card I did have a fraud alert and a credit freeze I have lifted my credit freeze on my credit file stated that anyone is applying in my name any bank who is receiving my application I need to contact me to verify my identity but Goldman Sachs refuse all theyre telling me is to reapply and thats what I did reapply when I realize that something is really wrong they even ask me for My ID I gave them my ID I still yet they are sending an email stated they could not verify me In XXXX I receive a third email stated that I may have another account open in my name I have asked them the information of that account they refuse to give me it they sent me to XXXX XXXX XXXX XXXX said there not stopping them from verifying me because they are seeing almost XXXX inquiries Pull from them I must go somewhere else and apply for a different credit card and see what happened so in XX/XX/XXXX I apply for a XXXX XXXX XXXX credit card and a XXXX credit card I was approved in XXXX for the both cards and yes they did call me to verify that I am the one that is applied for the card I do not know if its discrimination thats why them do not want to call me to verify me but if they do not want to verify me they need to take them self off my credit report
|
| 10/06/2023 |
Yes |
- Credit card
- Store credit card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I made the mistake of opening a new Apple Card with Goldman Sachs on XX/XX/23. But it won't process direct XXXX XXXX purchases necessitating hours wasted on the phone and chat with the Goldman Sachs customer service making all kinds or excuses that maybe the XXXX password was changed or there was a glitch with XXXXXXXX XXXX installment payment option to be able to process the purchase. So, I just closed the Apple Card on XX/XX/23 but the nightmare did not end there. I tried multiple times to pay off the entire {$3000.00} balance but the Goldman Sachs system, whether via the web or phone app just refused to let me pay off the entire balance and get over with it. So, another hour spent with Goldman Sachs customer service on the chat and the phone with more excuses that their servers are slow, or my app software is not up to date. Even their customer service agents were unable to process the payment. So here I am blocked by Goldman Sachs to pay off my Apple Card. This is the bank that had even declined XXXX XXXX XXXX XXXX 's credit card application and now I can believe why. I have spent more time with Goldman Sachs customer service on the problems of their own creation than I have with all other credit card companies combined for the decades that I have had credit cards.
|
| 02/27/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
On XX/XX/2018, I invested money into XXXX XXXX XXXX XXXX through a broker I found online. I did research on the company to make sure that the company was legit in order for me to invest. After I proved that the company was legit, I invested a total of {$210.00} to the broker ( named XXXX XXXX ). After that, he told me his " boss '' was going to give me a call to tell me what the next steps we're and to congratulate me on my investment ( named XXXX XXXX ). After some time passed, the broker contacted me about my profits ( total profits of {$3200.00} ). I was then told afterward that I had to pay {$500.00} in taxes in order for my profits to be released to me through XXXX XXXX to the companies " tax attorney '' ( XXXX XXXX ). I sent the payments through XXXX and XXXX XXXX through my phone. I sent one half of the payment through XXXX and the other through XXXX XXXX. The contact 's email is : XXXX I didn't pay the taxes and never received my money. I contacted my tax person and he confirmed that I do NOT have to pay taxes to get my profits paid out to me. People he knew invested in that company but never paid any tax for their profits to be released. I was scammed of {$210.00} and I never heard from the people again. I leave the documents or " contracts '' sent to me here.
|
| 08/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I emailed XXXX XXXX for a refund due to work improperly done on my car.
Disputed Transaction Details Dispute case number : XXXX Transaction date : XX/XX/2021 Merchant name : XXXX XXXX Disputed amount : {$170.00} Amount resolved in merchant 's favor : {$170.00} XX/XX/2021 : I started a dispute with Goldman Sachs/Apple Card.
XX/XX/2021 : I responded with evidence that I contacted XXXX XXXX for a refund and attached photo evidence of the improper work.
XX/XX/2021 : I emailed more evidence to Goldman Sachs/Apple Card.
XX/XX/2021 : I messaged Goldman Sachs/Apple Card customer support to ask about the status of my dispute, they said it was pending.
XX/XX/2021 : I'm notified that I lost the dispute because I did not submit evidence.
XX/XX/2021 : I speak with XXXX, the highest supervisor level at Goldman Sachs/Apple Card customer support. He acknowledges that evidence was indeed received, but does not know why the decision is based-on lack of evidence. The case is re-opened.
It has been months now. I have followed proper procedure, but Goldman Sachs/Apple Card failed to properly handle my dispute.
Disputed Transaction Details Dispute case number : XXXX Transaction date : XX/XX/2021 Merchant name : XXXX XXXX Disputed amount : {$170.00} Temporary credit : {$170.00}
|
| 12/26/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Web |
|
|
On XX/XX/XXXX I made a call in to XXXX by Goldman Sachs Bank to close out a Certificate of Deposit Account prior to its maturity on XX/XX/XXXX. As a result of this call, I have the following complaint.
COMPLAINT : During the call, the representative said that the account had paid enough interest that an early withdrawal penalty would not be taken from the principal of the account. This was troubling to me as I did not recall seeing that early withdrawal fees could be deducted from the principal of a CD account. Upon inspecting the Deposit Account Agreement ( LINK 1 below ), I found the following language on PDF pg. 7 : `` An early withdrawal penalty could result in the reduction of the principal. '' ( This line is underlined the in the attached screenshot ) XXXX ' `` High-Yield Certificate of Deposit FAQs '' page specifically the subsection titled `` What fees or penalties are associated with my CD? '' ( LINK 2 below ) is a near duplicate of the relevant section from the Deposit Account Agreement but omits the line regarding principal reduction. I find this omission dishonest and misleading to consumers.
I submitted the complaint above verbally to a different customer representative at XXXX via phone call.
LINK 1 : XXXX : XXXX LINK 2 : XXXX XXXX XXXX XXXX XXXX
|
| 11/01/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Web |
|
|
HELLO name-XXXX XXXX XXXX
XXXX XXXX i renew my cd on XX/XX/XXXX with number XXXX online with bank marcus by goldman Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX PA XXXX this cd is keep renewing for more than two years i am loyal costumer for the bank.in XX/XX/XXXX i saw some account name XXXX XXXX XXXX is connected to my cd XXXX and my saving account XXXX and that is not my account and i never requested it. ere XXXXXXXX XXXX th withdrawal from saving XXXXand bank deposited back without informing me so i called bank today XXXXabout this fraud they ask me to to close the saving account so i did .but they didnt close my cd and asking XXXX for closing the cd.as of now XX/XX/XXXX until XXXX still that fake account is connected and showing that money will go to that account ( XXXX XXXX ) which is not mine.
so i ask bank that i want to withdraw my money from my cd because of this scam but they are asking XXXXXXXX XXXX to do that so please help me to get my money back.
note- bank withdrawal XXXX and put back is XXXX without my request.so they new something is wrong still not informing me.
i talked to three different departments of bank but no response please help me to get justice i have all supporting documents and bank calls are all recorded lines of banks thanks
|
| 09/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Early in 2022, I noticed an issue on my XXXX credit report. This issue was a mixed file between me and my sibling. The mixed file resulted in XXXX of their accounts appearing on my credit report and mixed up personal information. I began by filing a credit report dispute to XXXX to rectify the issue and received a response on XX/XX/ 2022. This resulted in the personal information being corrected but none of the 3 accounts being removed from my report. After calling the banks associated with these accounts, 2 of the accounts were promptly removed from my credit report. For over 6 months, I have been repeatedly calling the final bank : the Apple Card by Goldman Sachs, regarding this issue. I have called them and explained the mixed file issue and the report dispute that I have already filed with XXXX. This was done at least XXXX times. I have also called the Apple Card by Goldman Sachs line with my sibling on the line to have us both explain the situation. This was also done multiple times. Each call ended with assurance that someone from XXXX will reach out within 4 weeks to rectify the issue and that a dispute would be made to correct it. No tracking information was provided, no response has been given in over 6 months and the account is still on my credit report.
|
| 10/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
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I applied for the XXXX XXXX in early XXXX and applied multiple times due to paying off other debt and wanting to see if the rate would change. I get a message that says I applied too many times. I contact support and am told to wait 30 days. This was on around XX/XX/2019. I wait 30 days and receive the following email from Goldman Sachs " Thanks for your interest in XXXX XXXX. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because : You have applied a number of times so we can not verify the information you have provided at this time If you believe this decision was made in error, please re-attempt the application : Ensure your personal information ( legal name, SSN, birth date ) is accurate and matches your ID, if provided If you were asked to verify your identity with your Driver 's license or State-issued Photo ID, make sure : You are capturing the image clearly You position your Driver 's license or State-issued Photo ID in the frame, place it on a dark surface, and make sure lighting is adequate with no glare Your ID hasn't expired '' Same message as before the 30 days. I ask them to open an investigation into whats going on with my apllication and get no solutions or suggestions. Just " Try again '' type mentality.
|
| 06/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I had been out of work and had made some arrangements on when l would be making payments.
So 3 days later l called XXXX and told them l would be making a payment and she guaranteed me that as soon as that's done, available funds will be made minus credit card fees but to my surprised l was told XXXX $ was a large payments so they have frozen my access to the funds and use of the card despite telling them that l needed the funds to be available and they had assured me of that but they now have been claiming that its a system that does that and they can not make them available for the whole 2 weeks until the XXXX of XXXX.
Now despite paying off my balance by half they have caused harm to me and my family for bills and others. They have even charged me late fees/ monthly fees.as cant even release the funds or call me back as requested when theier Managers would be free. Its now over 2 weeks and no calls from Managers and no release of my funds.
They are making loans of my held funds and making profits as l know they have probably borrowed those funds to other individuals and keep making free profits from me and others that may be in the similar case where l do not know how {$2200.00} is a large amount that would cause them to freeze my funds for over 2 weeks.
|
| 02/14/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Company : Marcus by Goldman Sachs Re : Auto-renewal of CD for a non existent product without proper notification period and no market rate adjustment CD expired on XXXX XXXX XXXX Markus called once and asked to call back. I forgot to call back.
I called back on XXXX XXXX since CD status was " undecided '' in the app. I wanted to move the money from CD to my joint account in the same bank.
Three different customer representatives failed to find a resolution ( time spent on the phone over 85 minutes ). None of the representatives were able to answer four questions : 1. how much time does a customer have to decide what to do with money after CD matures 2. tell me what would be the penalty if I move my money out of the " new '' CD 3. why my CD was auto renewed in their systems but not reflected in the app so I did not receive any notification 4. why was the CD renewed at a 1.1 % rate without market adjustment.
Customer Service opened a case...
Checked the app again on XX/XX/XXXX. Someone had updated the status in my application that I auto-renewed the CD. Which is NOT what I did.
Called Customer care on XX/XX/XXXX. Asked to speak to someone senior. Asked same questions. Waited on the phone for 35 minutes only to be dropped off. Case still pending resolution.
|
| 01/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Hello, On XXXX XXXX XXXX I woke up and saw that two unauthorized charges had been made on my Apple credit card at XXXX XXXX, one for {$310.00} and one for {$310.00}. I reported both these charges and froze my card immediately. Apple said they would dispute them and would get back to me in 90 days with the decision. Yesterday ( XXXX ) I received an email saying that they had determined the charge for {$310.00} was fraud and I received a refund to my credit card. Today ( XXXX ) I received another email for the {$310.00} charge saying that they determined it was not fraud and I was responsible for paying the full amount. I re-disputed the charge and was informed that it will be another 90 days until I hear back. Their policy states that no one is responsible for any unauthorized charges to their card, which was both of those purchases. I do not understand why one was determined to be fraud and the other wasnt when they were both made at the same time with what I am assuming was my stolen credit card number. I also am extremely concerned about this and will not be using my Apple card ever again because I do not want to be held responsible for potential fraud charges. Ive had this card for over a year now and this is the first time Ive ever had a fraud charge on it.
|
| 09/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Servicemember |
|
i lost my phone on XXXX XXXX around XXXX in the morning during an XXXX ride home. After i woke up around XXXX XXXX i notice multiple transactions on my XXXX bank account statement. i filed a police report for theft. through out the day i have changed multiple passwords and login information and i put a credit freeze on my credit through the three credit brueros as soon as possible. through the next day i was on the phone with apple, XXXX XXXX and XXXX multiple times. apple had some large charges using my apple pay and other forms of payment. XXXX had a XXXX dollar request from my XXXX account to be transferred to a XXXX XXXX who i have no idea who this person is. two large payments of XXXX dollars and XXXX dollars where transferred from my XXXX to XXXX and used to make multiple purchases at a XXXX and XXXX. on XXXX XX/XX/XXXX around XXXX i noticed that i actually had an apple credit card created on XXXX XX/XX/XXXX the same day i lost my phone. I DID NOT apply for this credit and I DID NOT make any of these transactions. I have no idea how but the person who has my phone used my identity to open a Apple Credit Card and a Apple Cash card in my name. i am in the process of buying identy protection from XXXX and also working with Apple to correct what has happened.
|
| 09/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX, was denied an extension of credit by Goldman Sachs Bank USA XXXX On XX/XX/2022, I applied for AppleCard.
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( a ) ( 3 ) and you assume civil liability pursuant 15 U.S Code 1691e.
Goldman Sachs Bank USA has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 via email is both proof and evidence that I have been discriminated against, you are also criminally liable. Goldman Sachs Bank USA should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT.
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
|
| 03/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I initiated a balance transfer for the sum of {$1200.00} from my AppleCard to a XXXX card on XX/XX/22. The balance transfer was completed and posted to my XXXX account on XX/XX/22. As it seemed like the transfer was taking a bit longer than usual for the payment to be posted to my apple card, I did some research and discovered that Goldman Sachs ( the bank that handles the apple card ) does not accept non-conforming payments, which I came to understand was what my XXXX balance transfer check qualified as. In order to remedy this, I requested the balance transfer be canceled with XXXX. However, they informed me that canceling the transfer was not possible as Goldman Sachs already cashed the check. As of XX/XX/22, Goldman Sachs denies that they received a payment from XXXX. I have reached out to Goldman Sachs multiple times requesting that someone please look into this issue, but no one has helped. I have confirmed with XXXX verbally, electronically, and through the mail that Goldman Sachs has, in fact, cashed the check. XXXX has provided me with a copy of the check and a letter stating that the check has been cashed. I have reached out to Goldman Sachs multiple times, and they repeatedly deny that they have received a check to be applied to my Apple Card balance.
|
| 10/31/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
My account has been closed for the better part of a month, and I have been asking for a return of my positive balance on my account to be issued and despite numerous attempts, the monies are still sitting in this account.
I opened my XXXX XXXX and was happy with the card, until out of the blue the company put a hold on my account, advising me that they had to verify my identity, despite opening my account with my drivers license. I would note that my wife was not requested for her drivers ID and her account is still active.
I filly paid of all of the charges on my card, but I could speak to anyone about my hold on my account, and in general I found the staff to be incompetent. No one knew what was wrong and or was able to assist me, so I simply decided to close my account which I did.
There after there were a few refunds posted to my card from merchants, and despite these refunds posting weeks ago, XXXX XXXX still has not returned my monies to me and is rather collecting interest on these monies and despite the complaints I have filed, there is no response provided to me. The last time I spoke to XXXX XXXX, where my calls was constantly been dropped, or I was cut off ( it took over an hour to speak to a supervisor, and over 5 phone calls ) was XX/XX/XXXX.
|
| 11/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
XXXX XXXX XXXX was moved to Marcus by Goldman Sachs in XXXX. New card rcvd in XX/XX/2022. In XXXX I spoke with several in mgmt, one was XXXX on XX/XX/XXXX due to my rewards points were expiring & my rewards points not listed on the monthly invoice. It appeared to be rectified but was after several calls & blamed on transition. My current invoice due in XXXX was rcvd without rewards earnings again. These points are actual dollars I can use toward the purchase of a new GM vehicle. Therefore I watch closely to support the earnings are accurate. I called Goldman Sachs customer service XX/XX/2022 & spoke with XXXX. I explained my concern & her reply was : go online, company leaning toward self serve & the earnings rewards are not showing monthly but every other. I voiced my displeasure of not receiving this info as we had for over 15 years this credit card with GM & had no issues. I do not believe the credit card company has the right to withhold the earnings info. It is a primary reason on why I have this credit card for the rewards benefits. If I can not monitor how can I dispute if it is right or wrong or should they decide to remove expired points like before & that was in error. I just happened to stumble on it. Thank you for your assistance in this matter.
|
| 01/11/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
Myself and my wife both retired seniors XXXX XXXX 's are victims of fraud. Unauthorize withdrawals were made from our checking account at the XXXX XXXX Federal Credit Union ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. All transaction codes used against our checking account were identified as " External Withdrawal/XXXX GS '' ( GS in banking terms is Goldman Sachs ) . We do NOT have an XXXX/GS account. During the period XX/XX/2022 to XX/XX/2022 a total of XXXX transactions totaling {$9200.00} were made incrementally beginning in XX/XX/2022. The XXXX was notified on XX/XX/2022 and took immediate action to investigate these unauthorized withdrawals. A police report with the XXXX XXXX, Police Department, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX was filed on XX/XX/2022. On or about that date my wife called XXXX and Goldman SachsXXXX XXXX XXXXXXXX, XXXX and apprised them of the problem. XXXX provided no support, while a supervisor at Goldman Sachs said she would look into it. Note that we have XXXX products but do not have an XXXX/S account. To date the XXXX has reimbursed us for the months of XXXX and XXXX and has identified a potential suspect of this fraud. To date we do not know how a stranger got approval to make withdrawals from our checking account.
|
| 12/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I submitted a dispute to Goldman Sach's/Apple Card whom did not properly research and provide adequate information/details regarding their decision after the dispute. Furthermore, the company did not reach out for clarification or additional information to assist with their decision making.
The following dispute is in regards to the XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$830.00} ( XXXX ) The monitor was purchased on XX/XX/2021 and delivered by XXXX on XX/XX/2021 under tracking number XXXX. Despite best efforts to try to cancel the shipment prior to delivery, and leaving a note to refuse the package, the package was unfortunately still delivered without my consent. When reaching out for XXXX XXXX to return the package, due to the shipping mishandling, they refused to provide an XXXX and shipping label to send the device back. They claimed that regardless of the scenario, the 'buyer ' is responsible for return shipping costs. However, XXXX XXXX neglected to state that the buyer was ever responsible for return shipping costs, which would have amounted to over {$200.00} to their XXXX location. Their terms of service ( attached ) and website do not state that the buyer is responsible for return shipping costs, even when the company itself is at fault.
|
| 09/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
I have a XXXX XXXX, and did a balance transfer from My Goldman sachs-Apple Card, for XXXX dollars, i checked with XXXX, and they said they sent a check which actually they did a wire transfer, Goldman sachs has never credited that to my account, which i did close because of this mess, XXXX gave the electronic tracking number and said goldman sachs XXXXapple XXXX it, I talked to Goldman and they said they didnt allow balance transfers on apple card and would return the money to XXXX, I talked to XXXX and they sent me about XXXX dollars to pay off account, they sent it to my credit union and then i paid off Goldman Sachs, XXXXapple XXXX XXXX is now charging me for both transfers, Goldman Sachs -Apple needs to credit XXXX for XXXX XXXX, XXXX said that Goldman refuses to talk to them because they are a third party, i have talked numerous times with Goldman and gotten nowhere, XXXX did respond to CFPB so case was closed, Goldman Sachs XXXXApple card did not so the original case against XXXX and Goldman Sachs should not of been closed XXXX the original case is XXXX, please get Goldman to refund the XXXX back to XXXX, as i am out that money and having to pay it to XXXX, i dont believe Goldman Sachs Apple card was ever notified, and they wont cooperate with XXXX
|
| 08/05/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
Servicemember |
|
My 11 year old computer died and I went online to apple.com to buy a replacement one. Their site advertises that you can get an Apple credit card with 0 % APR for the first 12 months and pay off the computer. When I tried to redeem that offer, their Goldman Sachs website came back and extended a {$2500.00} credit limit, which does not cover the cost of a computer on their site. I called in to get the limit increased to {$3200.00} because I make {$320000.00} a year and have a XXXX credit rating. When I called in, their representative told me the only way to request a credit limit increase to cover the cost of the computer was to accept the credit card offer and open an account. So I did. He told me the next day I had to call back to request a credit increase. There was no other way to get an increase on the application. I have just done that, and despite making a high salary, having zero credit debt and having an excellent credit score, Goldman Sachs / Apple has denied the application and not giving me a reason. It is deceiving marketing, and their representative deceived me into opening an account, which has now hit my official credit record. I literally just needed an {$800.00} dollar increase, and have a perfect payment history on my credit for 20 years.
|
| 11/16/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX ( XX/XX/XXXX ), I obtained a home improvement loan through XXXX XXXXXXXX XXXX. At the time the loan was taken out, XXXX XXXXXXXX XXXXXXXX filed a lien against my property for the loan amount ( recorded XX/XX/XXXX ). Sometime after that, XXXX XXXXXXXX XXXX changed its name to XXXXXXXX XXXX. There were multiple loan servicers assigned over the next few years. From what I was told by a representative from XXXX, they sold a portfolio of loans to XXXX on XX/XX/XXXX. They advised me to contact XXXX to resolve my issue as it was sold to them. I contacted them several times and no one could access the account and provide no information whatsoever. They indicated that they have no record associated with me. I asked to have the issue escalated in order to access what is likely an archived account. I sent an email to the department suggested to escalate the matter on XX/XX/XXXX and have not heard any information back from them. In addition, there was NO recorded assignment of this debt to XXXX. They can not provide me with any account information and say they have no record of me at all. I have no data on this as it was over 15 years ago when this began. I need XXXX to release the lien on my property as it is interfering with my ability to sell my property.
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was about to move across country when my XXXX broke. I went online to buy another one, and was offered a payment plan by Apple. I accepted the offer and used my current email address on the application. My XXXX arrived, I moved across country and went about my life. Unfortunately, Apple was sending billing statements to the old email account that was used to originally setup my apple account, instead of the new email I used on the credit app, and I never received a bill. It took a few mohths before I finally realized that I had not recieved a bill, so I called apple and paid the entire account in full. I asked the agent on the phone if everything was taken care of, or if I needed to do anything further, and she assured me all was good and this would not affect my credit.
Months later, even though I had not recieved any bills to my email or phyiscal mailing address, there was a 30 and 60 day late notice on my credit report from Apple. When I called to find out why, apparently there was an interest charge of around XXXX cents that did not get paid off when I had called to pay off the account previously. I paid the XXXX cents and closed the account. Now apple refuses to remove those late transactions from my credit report because my account is closed.
|
| 12/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
XXXX unauthorized charges from XXXX on my Apple Card in XXXX, {$1700.00} ( XXXX ), {$870.00} ( XXXX ), {$860.00} ( XXXX ), {$1600.00} ( XXXX ) and {$1300.00} ( XXXX ). I purchased something from this merchant before but not recently due to their overcharging and refusing to dispatch the orders correctly. When I first purchased from the merchant, they collected my Driver 's License photo and autography. I reached out to Goldman Sachs Bank USA disputed these unauthorized charges, the merchant then proved fraudulent information that is not from me to make the transactions valid. I believe my identity is stolen by the merchant to put in fraudulent transactions. I have no way to contact the merchant, my previous account was unable to retrieve.
I called Goldman Sachs Bank and re-disputed the fraudulent charges again, but they require me to prove evidence that I never put in orders, otherwise, I have to pay these charges. I don't know how to prove something I never do for online shopping without a shipping address. I already filed XXXX and XXXX XXXX against fraudulent charges, and also provide them to Goldman Sachs Bank. They still continue asking me to prove transactions that are not from me. They are not my orders, how come I would have records on those?
|
| 04/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Servicemember |
|
XX/XX/XXXX I have applied for a Apple Credit Card twice. I make good money in my XXXX XXXX career. Apple has been proven that the algorithm has implicit bias that propagates to the end user. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my day job.
https : XXXX At my income level, has a homeowner, car and 100 % on time payment history, one would think I would have a credit card. I do not.
As I have gotten older I have found and understood that the credit system was first implemented in the XXXX. The algorithm remains unchanged and carries the minds and the logic of the software engineers at the time. No other country in the world ( been to XXXX ) has this system and it shows.
I do not know why or what else I can or should do. What more does one have to prove to prove responsibility? Degrees? House? Car? XXXX XXXX executive career? XXXX veteran?
I have achieved all of those. This needs a government audit. The damage to my credit score or my ability to build " credit '' can be calculated. This is textbook - Widen the Wealth Inequality Gap ; A Illogical Algorithm Ballard.
Also, Apple is required by federal law to explain WHY they denied the application. Thy do not. They give options of what it COULD be but not what the actual reason is.
|
| 09/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I contacted Goldman Sachs regarding a CLI on a existing Apple Branded XXXX ; they denied the credit limit increase because Your recent payments on Apple Card did not cover a significant portion of your monthly balance. Yet, I made a $ XXXX payment days before the request which brought the card balance to {$0.00}. When I contacted their customer service representative they were uninformed and unhelpful. They said that XXXX doesnt look at internal payment history and only rely upon what is reported to the Credit Bureau XXXX yet historically on this account XXXX has failed to report updated information to the credit bureau in a timely manner.
It should also be noted that the credit limit issued by XXXX XXXX sufficient to purchase most products at the branded store ( Apple ) associated with the card ; when I pointed this out to the representative, the were like so, use another card the Apple Card by XXXX is heavily advertising that you can get 3 % cash back on Apple purchases with the Apple Card.
It should also be noted that I have a XXXX score in the low XXXX range and is much higher than it was when the card was first opened. I also have multiple cards with other lenders with credit limits 50 % and 150 % higher than that on the Apple Card by XXXX.
|
| 01/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX XX/XX/2021 - Paid a merchant {$1200.00} for services. XXXX XX/XX/2021 - Services were not provided by merchant as agreed. Attempted to resolve the issue with the merchant, however after more than 30 days the merchant refused to provide a full refund. I filed a transaction dispute for the transaction with Goldman Sachs and received a provisional credit while the dispute was under review. XXXX XX/XX/2021- Without explanation, Goldman Sachs reversed the provisional credit and closed the dispute against my favor. XXXX XX/XX/2021- I received an official email with the following message : " Due to a system error, you may have received an email or notification stating a dispute you filed was not resolved in your favor. The dispute has indeed been resolved in your favor. We will reapply the credit you had previously received within XXXX hours. '' XX/XX/2021 to XX/XX/2021 - I never received a credit as mentioned in the email. I contacted Goldman Sachs over a dozen times for an explanation of the dispute and email. Each time, the customer service representatives promised to escalate and resolve the issue but as of XXXX XX/XX/2021 I have never received any callbacks, communication, or credits and the balance is still outstanding on my credit card account.
|
| 12/14/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
This morning I attempted to access my money market account to authorize a transfer for a future date. My money market is with " XXXX '' - formerly XXXX XXXX formerly XXXX XXXX XXXX My regular log in no longer works, I requested a new pincode to be sent to my email. After 10 minutes I called the number to get a reset. I spoke with a representative on a recorded line who instructed me to clean my cookies- this did n't work. I was then instructed to change my browser- this did n't work either. The representative told me that since this was the first week, there were a few bugs in the system as they launched the XXXX brand.
I spoke with a supervisor, who apologized, but could n't resolve the issue. He said I could make transfer with telephone banking. This is not acceptable.
I checked my email a few moments ago and received a pincode sent at XXXX this pincode expired within 15 minutes.
This bank is making it impossible to access my funds. They should not be allowed to launch an inoperable system.
I do n't have high expectations for Goldman Sachs and their shoddy and shady XXXX XXXX practices -- their inability to change a system that worked fine to " rebrand '' and thereby making it challenging for consumer to access funds, goes beyond the pail.
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to my consumer report I received dated XX/XX/XXXX and XXXX XX/XX/XXXX. I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf.
Due to your companys neglect and unjust actions it has cause damage to my consumer report. You company fails to thoroughly investigate and you staff has given misinformation on important information constantly on recorded phone lines!
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. Inaccurately. These accounts should PROMPTLY be updated as PAID/ON TIME : XXXX Bank XXXX XXXX Acct. # XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
|
| 04/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
There is XXXX transactions from XX/XX/22 pending on my credit card. XXXX for {$25.00} and XXXX XXXX for {$14.00} and {$7.00}. I contacted Apple about this and spent more than XXXX hours chatting with them ( I have a case XXXX ). And I also had a call with a XXXX that called at XXXX pm on XX/XX/22. Their end shows these transactions were cleared and I received my daily cash. She told me to chat back in saying I did not receive my apple cash because there was nothing else she could do for me. I did not receive my daily cash. I chatted back in and they said it says posted on their in and there is nothing they can do. I sent screenshots of my pending transaction and pending daily cash to Apple. They said there end reflects it has posted. Apple had me go through the steps of removing my card and re-adding to my wallet. A new issue popped up after this. Once I did the removal and re-adding, my XXXX spending changed. I took screenshots of my XXXX spending so I can show the changes. I talked to XXXX, XXXX, XXXX, and about XXXX other people. They kept transferring me and restarting my claim. I am wanting to figure out why the charges and payments are not adding up. No one is willing to look into this other than to tell me their end says something different.
|
| 12/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2023 I purchased clothes from a merchant named XXXX for the amount of XXXX order XXXX XXXX Tracking from XXXX : I have previous orders with the merchant and had no problems with them but in this case I never recieved my order. I attempted to reach out to the customer support several times before I involved my bank ( Apple Card/ Goldman Sachs ) Dispute case : XXXX I never once recieved a reply from the merchant about my items not delivering. I also attempted to reach out to dhl to open a missing package but was unable to as its the merchants responsibility. I was able to get confirmation of the signature that clearly wasnt mine. All this was provided to Goldman Sachs/ Apple Card and I was surprised to see that the dispute was not ruled in my favor as I clearly was being ignored from the merchant who decided to challenge my dispute as I had notified them because I thought it was the responsible thing to do and act in good faith. I am providing the evidence that I provided them with which proves how this was unjustly ruled in favor of the merchant despite me paying for something and never receiving it. I provided my signature so they can compare with the one that was provided as well as a sworn statement confirming I never received my items.
|
| 06/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
XXXX XXXX built a sunroom that did not meet the drawings or promises made by the salesperson in my room. The room they built is not insulated as I was promised, it is not waterproof ( leaked first storm ) and continues to leak ; the tar is dripping down onto the flooring I installed.
And the tar is dripping down outside. The foundation is now revealed due to bad placement of drain. I had foundation inspectors to review the foundation. They stated it was sloppy foundational work and poor drainage layout. The room is burning hot in the summer and freezing cold in the winter. The heating and cooling unit they put in the room causes sky high energy bills due to non-insulated room. I was promised an insulated and energy-saving addition to my home for over $ XXXX. It is not worth {$4200.00}. Since XXXX XXXX was paid by Greensky immediately, they had no reason to come back and fix their work or be held accountable. I am a XXXX and very distraught. I feel like bulldozing this structure dow. I do not want this to happen to any other person. And when I contacted a lawyer, they told it was useless. I stopped paying some time back. I They did a bait and switch. Again, no accountability. They keep sending me the same marketing XXXX in the mail and I shred it.
|
| 12/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I have lost my phone in XXXX and I have a very basic passcode XXXX. Which I believe was very easy to crack, My face id functionality was broken on the phone hence was using a minimal passcode for unlocking it easily.
My XXXX was totally moved to some new ID by the hacker, during this time and when I called apple to recover apple ID, they not even acknowledge that I had an account, I believe when you move your Id it is totally erased from apple 's systems.
While this is happening I have no visibility on what's going on with my phone and there were a tonne of transactions and resulted in XXXX dollars charge on my apple card and I disputed them with Goldman sachs directly.
Goldman Sachs do not have any way for me to let me see my transactions unless I have my apple Id back. This was very difficult situation for me as I couldn't get my account unlocked my apple nor they accept me to move my apple card to another new ID.
Both Goldmana Sachs and Apple are kicking me back and forth when I ask to view my transaction and take over my account.
XXXX reported the XXXX dollar to my credit report without resolving my disputes and they have accepted to take my disputes again and review it but I am not confident they would resolve them again this time.
|
| 11/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Hi my name is XXXX XXXX XXXX XXXX and Im reporting an issue with Apple Credit Card with Goldman Sachs, unfortunately Im this past year Ive been incarcerated because I hit someone for occurrence of a mental breakdown that happened to me because of drugs during my mental breakdown Ive thrown away my XXXX, XXXX and watch that were linked to my XXXX that I have my credit card, which was XXXX, and because Ive added a lot of features on my account like recovery key and two factor authentication but since Ive spent 2 months in jail Ive lost my number because XXXX XXXX XXXX had canceled, after being released and Ive got a new XXXX and created a new XXXX, tried to contact Apple and they say that I cant use the same credit card on different XXXX and that I needed to close my account and submit a new application for credit card, which would impact on my credit score.
The main purpose of this complaint is to try to transfer the credit card to my new XXXX, the balance of the credit card is completely paid and I dont have interest to close this account because I have this account for more than and year. It would hurt my credit in a lot of different ways plus the stress of submitting a new application, resulting in more unnecessary damage to my credit score.
|
| 10/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I recieved a total of five fraudulent transactions on my Apple Card ( Goldman Sach 's Mastercard ) between XX/XX/2020 and XX/XX/2020. These charges are as follows : 1. XXXX, XXXX, AZ for XXXX on XX/XX/2020 2. XXXX, XXXX, AZ second charge for XXXX on XX/XX/2020 XXXX. XXXX XXXX XXXX and XXXX XXXX, XXXX, AZ for XXXX on XX/XX/2020 4. XXXX, XXXX, AZ for XXXX on XX/XX/2020 XXXX. XXXX, XXXX, AZ second charge for XXXX on XX/XX/2020 After numerous conversations via chat and by phone, all charges were credited due to fraud except for the second XXXX charge made at XXXX on XX/XX/2020. The company is stating the vendor provided evidence that the charge was valid. This is impossible because I have never been to XXXX, and was in XXXX for these days as shown by other charges on my statements. The first charge from XXXX was indeed deemed to be fraud, but they refuse to acknowledge the second charge for some reason. I requested the information used in the investigation as shown in the attached chat transcript with Apple Card support, was told they would provide it, and never did. I refuse to pay for a charge when it is obviously fraud, I can prove I was across the country when it was made, and all other associated charges were already proven to be fraudulent.
|
| 04/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
On XXXX I noticed a charge for {$1000.00} at XXXX XXXX XXXXXXXX. I disputed the charge with Apple Card by Goldman Sachs Bank. They asked me to provide some proof that I was not in Florida. I sent them credit card transactions of purchases that I made with others credit cards in the XXXX XXXX XXXX area at there request. The GS customer support said that should take care it. It did not, then I asked for the evidence that was used as proof that I stayed at that XXXX. I was provided with a false LA drivers license that does not match my DOB or drivers license number or photo. As a GS BANK customer they use my DOB to verify me over the phone and fake ID has a different DOB. To me that should have proved I did not make the transaction. I also sent them a copy of my drivers and US passport ID card with photo to show the photos do not remotely match the photos of the fraudsters at the XXXX. GS Bank has yet to credit my account or resolve this case when they are not even matching the DOB and Drivers numbers to there own know your customer policy and Patriot Act standards. I have Bank accounts with them as well and they have my drivers license number and DOB as requirement to open the account. I would appreciate any help with getting this issue resolved.
|
| 04/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
I received the Apple Titanium card some months ago. However, retailers would not take a metal card with no account information on it. I kept it in my wallet, I don't recall ever using the card.
Approximately 5 weeks ago I was robbed at XXXX in XXXX XXXX XXXX The forced me to turn over XXXX, XXXX and wallet. They also forced me at XXXX to tell them the passwords for the electronics. They created XXXX, charging things on every credit card, using XXXX to pull over {$1000.00} from my checking account, ultimately even getting into my XXXX checking account and changing the logon and password. My other credit cards- 2 XXXX, XXXX debits ( XXXX and XXXX XXXX, XXXX XXXX XXXX credit card- all cancelled the cards and reissued new cards.
Apple Card chose to cancel my card, negatively impacting my credit score. They claim that there are {$2500.00} charges on the card. Since they have closed the card it no longer appears on my phone and I can't see what the charges were, nor for what they purchased.
I have called twice to ask for a copy of the statement on the account and to ask that the account be reopened and a new card be issued. At the end of each call I was assured that a manager would call me to discuss the situation. Still no call from anyone.
|
| 08/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
This is a follow up from complaints XXXX, XXXX, XXXX, and XXXX. Goldman Sachs claims in their reply to XXXX that they have restored my installment plan and that they would follow-up with me. As noted in my reply to that complaint, I never received any such follow-up, and furthermore, my installment plan was not restored with the original terms and conditions. Today I spoke with a different resource at Goldman Sachs, first name 'XXXX XXXX, and he indicates the terms have changed and they have no way to restore them to the original agreement. I share this fact with the CFPB for information, as I believe changing the terms of this agreement is likely in violation of any number of Federal regulations, but Goldman Sachs is unwilling or unable to restore my original terms. I doubt that fact is likely to change in response to this complaint. The sum total of all of these issues have consumed countless hours of my time and based on my reading through public complaints in the database it would appear very probable that I am not the only consumer adversely affected by Goldman 's many issues with this product. I would encourage the CFPB to further investigate these systemic issues as all my good faith efforts to do so directly with Goldman have failed.
|
| 02/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I filed a complaint with XXXX on XX/XX/22 for the complete mishandling of the conversion of XXXX XXXX to Marcus by Goldman Sachs. They resonded and were supposed to credit my account by {$580.00} ( attached ) on XX/XX/22. Inexplicably they actually reversed my original payment on XX/XX/22 and instead began charging me additional interest/fees. When I called to ask WHY they would not have done what they responded to the CFPB regarding resoultion their response was " It was done in error but unfortunately they do not have authority to correct and I needed to file another dispute '', which I did and was quickly denied ( attached ). I then paid the exact amount, AGAIN, that was due of {$3800.00} per the first CFPB complaint resulting in what should have been the credit to my account of {$580.00} but instead was a balance due plus interest of {$590.00} that was done in error and would be corrected. They have now charged additional interest, late fees and reported to the credit bureaus TWICE. The amount of time I have spent and their repeated inability to resolve this matter is exhausting and as I stated in my first complaint appears to be intentional to wear down the consumer not equipped to understand this behavior and just pay them to resolve.
|
| 04/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
Loan for Marcus Goldman Sachs, 36 months for {$210.00} @ 17 %. First payment was in XX/XX/XXXX. Auto pay so never missed. They have a program which you can defer a payment if you make XXXX in a row. I took advantage ONLY one time, XX/XX/XXXX which then extended my last payment instead of XX/XX/XXXX, would be XX/XX/XXXX. I have paid in XXXX payments leaving XXXX left. Amount would be XXXX x XXXX {$1000.00}. Yet as of this month, XX/XX/XXXX I still owe {$1300.00}. I know interest still accrued for XXXX, but seems {$300.00} + is high or amounts to an extra payment and a half. PLUS -- - from last month to this month I only earned XXXX cents towards the principal,. Im tired of the stay/work at homes, not very helpful and the one time I called, she didnt know, was gon na check, but got hung up on. Plus having problems -unable to look at my documents again online.
" We will waive any interest incurred during the deferral, and extend your loan by one month ( you will pay interest during this extra month ) ''. Which would be {$300.00}! They should warn customers then of a possible high interest accumulation.
P.S. I am shown to have a low credit score, ( possible?? ) but it is only because of my son making late car payment, which I am a co-signer.
|
| 09/13/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
This Marcus Goldman Sachs bank ripped me off for a {$100.00} advertised bonus to open and deposit money with them. I have all the copies of the website screenshots. I followed all the requirements. They refused to pay. I read their deposit agreement which states on page 21-22. I have the right to arbitration to dispute it which they agree to pay for. It can be read at this link : https : //www.marcus.com/content/dam/marcus/us/en/pdfs/Marcus_Deposit_Account_Agreement.pdf I demanded it in a written letter on XX/XX/2022. I called last week XX/XX/2022 to inquire when they are going to provide it. The rep said they would call me back. They of course did not. I called today XX/XX/2022 and they wasted my time on hold for XXXX minutes. I demanded to speak with a supervisor and after more holding the so called supervisor named XXXX refused to give me arbitration and didn't even know what is in their own customer agreement. This is breach of contract a clear violation. This Marcus is a disgrace! You don't have to just take my word for it. Just look at XXXX review website : https : //www.depositaccounts.com/banks/reviews/marcus-goldman-sachs.html There are over XXXX complaints. This so called bank should not be allowed to continue harming consumers!
|
| 07/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
To Whom It May Concern, I have been dealing with identity theft for the past year and a half and it is a difficult and troublesome on-going issue that Im still trying to resolve. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place.
Apple card issued by Goldman Sachs Bank USA has blocked me from seeing my bank statement under my apple ID : XXXX I have reported many charges which were fraudulent to them, however, they have re-billed everything that were reported. I can not see anything on my end I have no access to see what is happening to my account. However, I was afraid of interest would accrued on the card I just kept paying until I was able to reach out. They never returned my emails or phone calls and I'm left in the dark on why my fraud claim isn't resolved.
As explained when I have reached out to them about those charges, which I can't see since my account was closed without notice, that are fraudulent due to identity fraud.
|
| 05/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
Reached out to Apple for an interest rate adjustment. They declined. I replied that I will be closing out my account once I have paid off the loan. They asked if I would like to close it today. I agreed. ( XXXX ) Went to perform a balance transfer today ( XXXX XXXX ) my access to account information through Apple was blocked. I have no account information to perform balance transfer. I reached out to customer service though the app. They declined to help. I called customer service. They were not willing to provide me with the correct card information to perform a balance transfer. Supervisor told me the accounts closed. We will only take cash. The interest is still payable. I do not find the fact that they will not allow me to transfer money to another bank as an appropriate tactic that a credit card company should be using. I feel AppleGoldman Sachs stating to close the account right away after I had mentioned I would be closing once I transferred the balance out was a predatory move to gain favorable financial position by increasing their interest payments. Customer service was not willing to partner to find a resolution. This is unfair business practice to be performing and I would like to see Apple and Goldman Sachs held accountable.
|
| 08/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Regarding my Apple Card from Goldman Sachs, I have had this card for years and have built up my credit limit. Its my primary credit card. I added my partner to the card as a co-owner years ago. My relationship with my partner is now over and we both agree that she should be removed from the Apple Card. There is no way to do this. The account must be completely closed and if I wish to, I can re-apply for a new card. This creates more than an inconvenience and I argue is an undue burden on the consumer. I am unable to keep the credit I built, I have no guarantee I will receive the same terms when signing back up, and I could even be rejected for a new card, losing my primary line of credit Ive used for years. Closing and re-applying would negatively impact my credit score and would cause me to need to reconfigure recurring payments I make using the card. There is also an attached savings account I would lose that only I can manage ( the account co-owner does not have access ). Given the burden of this process, I should be able to remove the account co-owner without closing the account. In any other realm of finance, a secondary person can be removed from obligation and access - a quitclaim on a house, a title transfer of a vehicle, etc.
|
| 08/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Made a purchase on XX/XX/XXXX from XXXX for 2x agendas and a notebook. I did not open any of the items and proceeded to return one of the agendas and notebook to XXXX. XXXX denied the return since they stated they had been opened ( they were not, they were in the same condition as they were in when I received them ) and XXXX told me to dispute with my credit card. I opened a dispute with Apple Card on XX/XX/XXXX and provided the required documentation the same day. I did not receive an answer on this dispute until XX/XX/XXXX that the dispute had been resolved in XXXX ' favor because I received the merchandise ( not the reason I filed the claim, the claim was because I was not being allowed to return the merchandise per XXXX ' return policy ). I asked for the claim to be reopened, provided more detailed information about the situation and submitted this on XX/XX/XXXX. On XX/XX/XXXX I received a response that the claim had again been denied. It then took another 2 1/2 months for the temporary credit to be removed from the card so I could pay it off and free up that credit. Horrible experience. Poor communication. None of the reps know what they are doing. If it wasn't because it was XXXX branded I would have canceled this card long ago.
|
| 08/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
For my XXXX Statement ( XXXX XXXX ) with Apple Card ( serviced by Goldman Sachs ), XXXX was charged interest in spite of paying more than the balance. My payments were also on time. Here are the details I see on the Apple Card app and the statement.
Previous Total Balance : {$3900.00} New Spending : {$3400.00} Interest Charge : {$63.00} Payments and Credits : XXXX I made higher payments than my existing balance and was still charged interest. When I checked my XXXX statement, it confirms that I had paid all my XXXX balance so not sure where this XXXX interest originates from Previous Total Balance : {$2800.00} New Spending : {$3800.00} New Spending : {$0.00} New Spending : $ XXXX I spoke with the Apple card team on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to seek a resolution for this case. The Apple team did not assist with correcting the statement or reversing the interest fee. In addition, this fee also negatively impacted my credit score.
On further analysis, i found that the Apple card statements are inaccurate as they don't reflect the amount due shown on the Apple XXXX XXXX, and their " Monthly Balance '' and " Total Balance '' amounts are different, which leads to confusion of the amount to be paid to avoid any interest fee.
|
| 08/03/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
When attempting to transfer money OUT on XX/XX/2020 and again on XX/XX/2020, from my savings account with Marcus by Goldman Sachs, the bank 's system said there was an error and to try again a few hours later. When I called on XXXX, after extended hold, I was told that the bank had mistakenly accepted a deposit from me FIVE MONTHS EARLIER on XX/XX/2020 from my business account. So now, I could not transfer any money out, until they returned those funds back to my business account. They said the transfer would take 1 to 3 business days. I asked if they could provide me some written confirmation that they were initiating the process today, e.g. an email, a text, a letter, etc., so that I would have OBJECTIVE evidence that they said they were initiating the process, should it not come to fruition. They gave me a confirmation number, but said they could not email or mail or provide me any documentation to prove that they made these representations today. I am concerned that this is a problem they contend existed for 5 months, that they never advised me of, and have now frozen all my assets with them, while they contend they are finally doing something about it, but refuse to provide me any confirmation that they are in fact taking action.
|
| 10/05/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
I sent money to my husband who is XXXX but has an ITIN number via Apple Cash. I have sent him money before with no issues. Today his account was restricted and had to verify his identity. Upon calling Apple Card support they inform me that he needs to upload a US government issued ID. The state of NC does not issue IDs to undocumented immigrants. They are able to obtain identification via the consulate office. The agent stated they are not able to use that ID and needs to be US government issued. When I questioned this she stated its listed on their terms and conditions and it in fact is. It says in order to create an Apple Cash Account and use the Services, you must : ( i ) be 18 years of age or older and a citizen or lawfully residing in one of the 50 states of the United States and the District of Columbia ( collectively, the U.S. ). Which seems unfair and unreasonable because in order for you to open an apple cash account you have to have a bank account to whom you give your identification information to. I feel like this is discriminatory and an inconvenience for undocumented immigrants who use apple products and spend so much money with Apple. In the end the representative was not able to help us and cancelled the transaction.
|
| 06/17/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
I applied for and received an Apple Card that is managed by Goldman 's with software written and updated by Apple Corp.
I've been making regular payments and upgraded my phone. I went to make a payment this weekend and found that all tools have been disabled and my account locked for security purposes. I have verified my identity within the XXXX wallet and reached out to their customer service through messenger to ask what happened.
I'm told that they can lock my card at anytime without warning and there is no timeframe for them to contact me. I don't know why they would need to contact me or what they are reviewing. I can only assume I tripped an algorithm and am now in a system with no human at the helm. I am female and this is reminiscent of the issues a year ago where it was found that Goldman 's algorithm treats women differently than men.
I can still use make charges to the card but have been locked out of all digital tools. Nobody can tell me what I can and can not do. It's a walled experience and frustrating at that. I never received a notification in XXXX, a warning, an email. I only discovered it's status when I went to pay it off.
I'm applying for my first mortgage soon and did not expect this experience from Apple.
|
| 03/17/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
Servicemember |
|
On XX/XX/2020 I attempted to open a new CD at Marcus by Goldman Sachs. They took all my personal data including my SS # then after putting me on hold a couple times they came back and informed me they could not verify my identity and refused to let me open the CD end of discussion. I can't believe that they could not verify my identity. When I asked questions and offered to help fix the problem they weren't interested. I became very suspicious and worried that they were only fishing for personal information. I am retired and it could be very devastating if my info got into the wrong hands.
After worrying a few days I called them back and asked them to delete my info from their data base. They said they couldn't do it. I asked WHY but they had no answer. I tried to explain that there was no possible legitimate reason why they needed to keep my info. Data bases are being hacked every day.
I then did some research on the internet and found that this bank had been the target of ethics complaints involving data gathering by some of the high executive officers.
I need you to convince this bank to delete my data completely and if possible reassure me that I have nothing to worry about concerning this incident.
Very worried XXXX XXXX
|
| 11/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
We noted a dip in XXXX XXXX in XXXX, XXXX. When further investigating this we saw an outstanding balance from Goldman Sachs. On XX/XX/XXXX we called XXXX card and found out XXXX card was sold to Marcus Goldman Sachs. Initially customer service could not verify our account since someone had changed the phone number, email address and mailing address in our account. Customer service was able to verify that we were account holder by looking at previous records and history. Apparently a new card had been issued and mailed to someone who claimed to be the account holder. That person made numerous charges to the account. Customer service told us that we were not liable for these charges and that they will submit a dispute claim. on XX/XX/XXXX we received an email saying our dispute was denied and that we were responsible for the charges. on XX/XX/XXXX we filed another claim disputing these charges, which was again denied by email on XX/XX/XXXX. We called the card company on XX/XX/XXXX and asked to receive the documentation they used to make that decision. All we got back via email was the same note saying the dispute was denied. All we want is for Marcus Goldman Sachs to reverse the charges and close our account and fix our credit score.
|
| 02/15/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Servicemember |
|
I have an account with Marcus Goldman Sachs. I tried to process a transfer on XX/XX/XXXX from a Marcus Savings account to a XXXX XXXX XXXX account. They deposited two small amounts to my XXXX account as a confirmation of the external link between the banks. A few days later they informed that I could not deposit funds in that account and asked if they should cancel the transfer. I said yes. A week later I was still seeing the transfer was pending. I contacted them again and they said that they decided they could deposit to the account. Nobody told me. So all three parties got on a call and they confirmed my account and told me the transfer was being processed. I checked several days later and still nothing. I called back yet again and they could not explain what was going on but I am still unable to transfer the funds to any of my accounts. I told them to cancel the transfer and to close my account. They asked funny enough which account I wanted the funds transferred to. I selected a different account and they told me it would take one day. I called back today as I still do not see any activity pending on my other account. Now they are telling me it will be three days more. I have no confidence I am ever going to see this money.
|
| 12/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On XX/XX/XXXX I was notified by XXXX XXXX XXXX XXXX ticket agent XXXX XXXX that my Goldman Sachs Credit Card will be charged with if I remember correctly {$300.00} that day, I had 3 partners that were split 4 ways in the amount of approximately {$8300.00} for the season on my card. I called them all within 4 hours of the amount being charged, roughly {$930.00} beginning the following month of XXXX thru XXXX of XXXX. None of us could afford that payment as 3 out of 4 suffered heavy losses of income due to covid. I notified XXXX my agent that we were forced to give up the tickets. XXXX XXXX charged the {$930.00} amount anyway. When I saw that deducted from my bank account I notified my bank who contacted Goldman Sachs I cancelled the card, and my bank demanded repayment to my account of the {$930.00} XXXX XXXX and Goldman Sachs took even though I cancelled the season tickets XX/XX/XXXX for season beginning 7 months later.
XXXX XXXX and Goldman Sachs continued to charge me {$930.00} a month by notifying all credit bureaus, Causing my credit score to drop from over XXXX, XXXX points to XXXX. That caused my variable mortgage and loan rates to elevate. At XXXX time I supposedly owed over {$12000.00}, with close to XXXX in penalties.
|
| 06/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I dispuited several charges on this card for merchandise that was purchased but returned to the merchant proper documentation was provided to Apple card showing the merchandise was returned to the merchant. I was told on Thursday XX/XX/XXXX that the dispuites were all ruled in my favor and I would be getting credit for them. I was to recive an e mail from Apple card spport. But never did. The charges are as follows.
{$290.00} tracking was sent via e mail to them. I called in again on XX/XX/XXXX and reopened the dispuite. were delivered to the Customer on XX/XX/2023, and the Customer has not provided the Merchant with the returned tracking information. As a result, the Bank reversed the temporary credits. The Bank sent the Customer emails detailing the dispute outcome. The transaction with the Merchant Home Depot in the amount of {$110.00} again tracking provided to Apple card support and as of XX/XX/XXXX was told that this was ruled in my favor. {$340.00}, {$78.00}, {$35.00}, and XXXX I will not pay for merchandise that I returned to the merchant if appleccard refuses to get this matter resolved I will be forced to get a lawyer. This is nonsense they don't know what they are doing. All information was provided to apple card
|
| 12/31/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I have an online savings account with Marcus by Goldman Sachs. It worked fine in the past. However, starting from the first half of 2021, I consistently had problem log into my account through all of my laptops & a desktop. Every time I went to the account log-in page using those computers, Marcus showed me a blank page. There was no way for me to log in. It has been for more than 8 months that I had challenge simply logging into my account. I called them numerous times but it was never resolved. There were a lot of frustration, even anger. They told me that it might be because of the conflict of antivirus software installed on my computer. The antivirus software I use is XXXX, which is a very popular one in the market. And NO OTHER BANK had this problem. I do not feel comfortable that I have to disable my antivirus software to log into my bank account. The most recent time when I called Marcus might be in XXXX or XX/XX/2021. I requested them to escalate my complaint and solve the problem. After that, the log-in website worked once or twice. Now I have the same problem again! I can still log into through my cell phone APP. However, I dont feel comfortable to use cell phone to log into my savings account and make transactions.
|
| 07/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I paid off my account in late XXXX XXXX. There was trailing interest that I called and paid off with a representative. There was trailing interest to the trailing interest and I was assessed a late fee, then another late fee. I did not open my statement after the representative assured me that my account was paid in full. I asked to have the late fees waived and during this time my account was in dispute another late fee was assessed. This resulted in an amount due of over {$100.00} which was all accumulated due to trailing interest. I now have been advised that the {$100.00} payment will not payoff my account since there will be additional trailing interest. It seems like you should be able to payoff a credit card at one point in time and not have the ongoing battle of paying the trailing interest. By my calculation they will continue to charge interest on the interest forever! I don't feel that the trailing interest is fair and above board. I also do not feel that being assessed a late fee while your account is in review is also fair. When I addressed this with a representative they indicated that my fees were non-reversable and I would continue to be responsible for trailing interest. I have permanently closed my account.
|
| 07/17/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American |
|
Purchased a computer from XXXX ( web store ) based on an advertised interest rate of 0 % if paid in full within one year. Financing by Goldman Sachs Bank, USA ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ). Purchase made on XX/XX/XXXX, in the amount of {$2500.00}. Payments totaling {$2500.00} made between XX/XX/XXXX and XX/XX/XXXX. Despite this, Goldman Sachs Bank charged interest on the account balance every month, starting in XX/XX/XXXX. To date, they have changed {$98.00}, including interest after payment in full for the purchase was completed on XX/XX/XXXX. I have called them four times, most recently on XX/XX/XXXX ( XXXX ), and written them five times. No response to my letters, except to acknowledge receipt of two of them, together with promises during each phone call that a " Supervisor '' would call within 48 hours to resolve the issue. No call ever received, nor any explanation provided. Most recently, I received a letter dated XX/XX/XXXX stating that they charge interest because I have an outstanding balance of prior interest. This is not the terms made at the time of purchase, which they have never addressed. Currently they have posted three negative reports with the credit bureaus against me.
|
| 08/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Seems all banks practicing the Same practice of XXXX XXXX XXXXXXXX Credit card customers who were promised rewards points and cash bonuses and failed to provide the promised rewards.
Goldman Sachs the servicer of Apple Credit Card is no exception, 1st Apple Credit Card sent me an invitation to a joint card holder and they will give {$100.00} we completed the requirement and we were eligible to get the {$100.00} bonus, it took many calls and trouble tickets to get the reward.
again by end of may, I got another invitation to add up to 5 participants ( Authorized users ) and each will get {$50.00}, after spending at least {$50.00} on the new card. I added 4 users, and I been calling and chatting on their app with their agents, I contacted them at least 8 times and they giving me the run around assuming I will give up, After all the fights they gave me the credit for 3 out of 4 and I still did not get the credit for the 4th person which his name XXXX XXXX its not the {$50.00}, its the pattern of misleading customer, its systematic and I am sure its widespread and I was inspired by CFPB XXXX XXXX XXXX. These practices are illegal and undermine customer trust. And he wants to an end to this practices across the banking system
|
| 07/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
The company approved for loan amount of XXXX in XX/XX/2019 first installment due date XX/XX/2019. I was verbally set up through customer service to have my savings account to make automatic payment monthly to also save in interest rate at 25 % verses 27.99 % Due to the monthly auto pay. On Monday XX/XX/XXXX I checked with my savings no withdraw had been made. I called Marcus Sach and they said there must have been and error when setting up the payment, Why did I receive the loan it was deposited with no problem they said they would arrange again to fix the problem On Tuesday it still was not fixed, I called again and they again said it was fixed. Wednesday no payment still I again spoke with this time a manager and he said to check with my bank the bank indicated there had been no attempt from them to withdrawal. On this day I made a one time transaction to pay over the phone so it was successful. The interest rate is 5 % daily after the site date as these fees will fall at the end of the loan. It was not my fault as the agreement at the beginning also to get a cheaper interest having set up on monthly auto pay. I think that this was purposely done and may have happened to other consumers, I feel it is a scam and illegal.
|
| 02/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
XXXX XXXX XXXX Marcus Bank locked and closed my Savings acct. XXXX XXXX said account XXXX is closed and fund {$7500.00} will be mailed back to me to the address on file in a few days.
XXXX XXXX spoke with XXXX XXXX hold for 50 minutes and supervisor will call me back. Never did.
XXXX spoke will XXXX and told a manager XXXX will me back. XXXX XXXX called back stating acct is being closed. Fund will be forwarded to my linked external XXXX XXXX XXXX in 1 ~2 weeks.
XXXX spoke with XXXX. Acct is closed {$7500.00} will transferred to my linked external XXXX XXXX XXXX - XXXX.
XXXX spoke with XXXX. He said a supervisor will call me back TODAY to wrap up this case. Never did.
So far 3 conflicting statement were given to me.
XXXX supervisor XXXX. She said she closed the acct and transferred the {$7500.00} to my external XXXX XXXX. case # XXXX. Fund will show up to XXXX XXXX in XXXX days. But it did not happen.
XXXX supervisor XXXX told me XXXX had some internal error. Fund did not go out before. Fund now transferred out to XXXX XXXX XXXX XXXX ET with case # XXXX.
I have not received my money so far.
Marcus Bank lied to me over and over and held my money for 2 weeks so far. This is very unprofessional and criminal.
|
| 09/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/2020 I disputed a charge to my Goldman Sachs Apple Card. The charge was from a company called XXXX through XXXX that was made XX/XX/2020 for {$190.00}. My dispute was/is as follows : Utilizing the XXXX website I purchased a part for my clothes dryer. I entered the model and serial # on the XXXX website and they sent me a new control box for my appliance. The part they sent me was not the correct part. I immediately reached out to XXXX and they ignored my requests to remedy the situation by providing the correct part or providing a refund. I then filed a dispute with Goldman Sachs Apple card and provided a copy of the email I send XXXX requesting remedy for their error. While they did provide provisional credit they eventually found in the favor of XXXX because they " provided proof that I made the purchase ''. I dont understand why it took 8 weeks to confirm I made the purchase since I told them I made the purchase in the initial dispute. The dispute is that this company didnt send me the part I ordered and has refused to remedy the situation. I have in turn purchased a new dryer and no longer want the part from this unresponsive company ; I want my money back which Goldman Sachs Apple Card is refusing to provide.
|
| 10/31/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is regarding a disputed transaction with XXXX XXXX in XXXX, PA.
On XX/XX/XXXX, I checked into XXXX XXXX XXXX for a planned two-night stay. Unfortunately, on XX/XX/XXXX, I received the devastating news of my grandmother 's passing. Given the circumstances, I made the decision to check out around noon, a day earlier than planned. The front desk graciously acknowledged the situation and assured me of a refund for the unused night, amounting to {$210.00}. They provided me with a receipt clearly detailing this refund due back to my Apple Card.
Days turned into weeks, and the promised refund did not appear on my card. Trusting in the reliability and integrity of the Apple brand, I initiated a dispute via Apple Card. However, I was genuinely shocked when the resolution initially sided with the merchant. I reopened the dispute and resubmitted my information, but it was again denied by Apple Card.
To be clear, I have concrete evidence in the form of a physical receipt which confirms the refund owed to me. It is disheartening to think that despite such unequivocal proof, the matter was resolved against me, especially considering the emotional distress I was undergoing due to the sudden demise of a close family member.
|
| 05/15/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
When XXXX XXXX XXXX closed, I quickly transferred all of my money to my only other open bank account at Marcus by Goldman Sachs. My Marcus account was my emergency fund, so I needed to set up a new checking/savings account elsewhere for direct deposit of paychecks, paying bills, and paying rent. I set up a free checking and savings account with XXXX. When I went to online transfer or wire transfer my funds from Marcus to XXXX, I was hit with error messages.
An online chat with a Marcus representative told me that they do not support Marcus, and that they could mail me a check or I would need to open another checking/savings account. They could not provide me with a list of banks that they do or do not support. They instead told me to choose Bank XXXX XXXX, XXXX, or XXXX XXXX and compared XXXX to a XXXX account. They said that they do not support online banks. Then they said that they support XXXX XXXX, which is an online bank.
I am so frustrated and confused at this situation. Why can't a financial institution wire money to another financial institution? I don't want to miss paying my bills or rent, but I don't know what to do. My next step is to transfer my money out of Marcus and close that account permanently.
|
| 05/12/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I initiated a withdrawal of {$100000.00} on XXXX from my Apple savings account by Goldman Sachs ; the transaction said in progress but nothing was moved. By XXXX I started calling customer service. At first they said they saw no issue that the external account was verified and that I should receive my money no later than Monday XXXX. On XXXX still no money and I contacted the receiving bank, XXXX, and they said there is no sign of any pending transaction or anything initiated. I called the GS customer service on XXXX and they said that I needed to talk to the fraud department. I told them to close the account and that I didnt trust the bank. It took me XXXX hours to get the fraud department, they sent a pin to my phone and she claimed she had fixed the verification and that they needed the back office to release the funds and she didnt know how long that would take. It is now XX/XX/11 and there is no sign they have released or sent the funds. When I call them, it still says in progress as of XXXX, there is no evidence they are willing to release my funds.
Attached are screenshots of the account showing the initiated transaction and pending status and the receiving XXXX account not showing the transfer of the $ XXXX.
|
| 08/10/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
On XX/XX/XXXX XXXX am, I called Marcus by Goldman Sachs to close a CD account. I was told what the penalty would be and I agreed to close the account. I was told it would take between 1 to 3 business days. As of XX/XX/XXXX XXXX am, my CD account has not been closed. I have called Marcus by Goldman Sachs asking for an update on the following dates and times : XX/XX/XXXX XXXX am, XX/XX/XXXX XXXX am, XX/XX/XXXX XXXX pm, XX/XX/XXXX XXXX am. Each time the representative told me that they have many requests at this time and they are working on my request to close the CD account. Marcus by Goldman Sachs is refusing to close my CD account and make these funds available to me. The Deposit Account Agreement, effective XX/XX/XXXX does not state any delay on closing a deposit account where the funds are being transferred into a different deposit account held at Marcus by Goldman Sachs.
This institution has changed the rules for account closure. Marcus by Goldman Sachs is violating the Deposit Account Agreement.
As of this time, I have no idea when the funds will be made available to me. I feel the bank does not have the funds available to give me.
Please investigate this practice and determine the legality of their actions.
|
| 01/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider : On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness.
I applied for a card and was denied. Then I called and let them know that there are arbitration provisions in their own agreements that can be considered as additional information of that my credit report isn't indicative of my actual creditworthiness. I told them to consider that and applied again. I was denied again.
So ... XXXX it. If I can't use it, one of you people who might read this and actually be able to do something with it can. XXXX it. I'm putting all of this XXXX out for the public. XXXX... it.
It looks like they can't trade your information on new accounts per their privacy policy because probably qualified as a 1031 exchange of real property under the tax code. It's all XXXX. I'll be back after I try another credit card application because XXXX this XXXX.
|
| 07/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
On XX/XX/21 I opened the Wallet app on my smartphone to view my Apple Card balance and was given a message stating that the account was restricted and to contact Goldman Sachs customer service. I contacted them via the text support feature and was told that my account is " under review '', that the company will not tell me why the account is under review, and that the company will not give me a timeframe for this issue to be resolved. I am unable to use the card in any way and I am unable to view any information about the card. The only thing I am able to do is make a payment by calling the customer service line. I attempted to escalate the issue with customer service multiple times both within the text support feature and via a phone call to the provided support line. At all levels I was given the same response that they refuse to inform me of why my account is under review or provide a timeframe for when the review process will be completed. If there is potential fraudulent activity or a breach of my information that caused the account to be placed under review then this is something that I should have been alerted to and provided details of so that I can take the necessary steps to protect my financial wellbeing.
|
| 06/14/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Web |
Servicemember |
|
Goldman Sac Marcus is the company. I have close to {$220000.00} on a 10 Month CD. I signed up on the CD on XX/XX/XXXX with a lady named XXXX. She made up sign paperwork for the CD. She never advised me of a Federal witholding backup. At XX/XX/XXXX, when I got the statement it stated Goldman Sacs Marcus was taking out 24 % Interest I made for XXXX. I called on XX/XX/XXXX and was told it was a IRS problem. I was getting the runaround. I called on XX/XX/XXXX spoke with XXXX, she said it was a signature card problem, I selected federal witholding backup a 24 % .I would never select this. She advised she would send out a signature card express so we could fix. I had no idea that when I got the statement they taken out {$220.00} from my account. XXXX never did send the signature card out. Also, I had called on Sunday the XXXX. They were clueless. I called on XXXXXXXX XXXXand spoke to XXXX, She advised no signature card was ever sent. She advised no refunds are given, I had to call withing 30 days. I was checking my account every day in the month XXXX, and there was no FEDERAL witholding on my account.. I want my money back for the month of XXXX and so far for the month of XXXX Plus Interest. XXXX said they keep the money.
|
| 06/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
A criminal was able to withdraw {$3700.00} from my GS-Marcus savings account just knowing my acct #. That money was transferred to a crypto currency exchange under a different name than mine! GS-Marcus website states that withdrawals can ONLY be made to EXTERNALLY LINKED ACCOUNTS, but the crypto-currency account ( with a different name than mine ) was NOT EXTERNALLY LINKED.
GS-Marcus did not detect that unauthorized transfer- I did and notified them. After completing and sending back an unauthorized transfer form, the {$3700.00} was credited back to my account WITHOUT THE INTEREST DUE. I detected that after logging into my account. GS-Marcus never notified me of that credit.
Despite numerous requests, an explanation was never received. That is in violation of CFPB Reg E which governs EFTs : " A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer [ Goldman/Marcus NEVER REPORTED THE RESULTS TO ME ] within three business days after completing its investigation. '' https : //www.consumerfinance.govXXXX # XXXX
|
| 08/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I was referred to a person by my friend, XXXX XXXX, who lives in XXXX, XXXX. The person he referred to me identified me as " XXXX XXXX, '' an employee of XXXX XXXX in California, company file # XXXX. I was told that this person would make my payments and I would only have to pay back 50 % of the total amount to the financial institutions. A few payments were made to my bank accounts and loan accounts such as XXXX, Bank XXXX XXXX, Marcus by Goldman Sachs, XXXX Bank, and XXXX Fit Loan. The payments were made and the total amount was brought to " Paid off ''. I even called the financial institutions to confirm the payments were received and I owed no money. I got the confirmation number and everything I could to keep myself on the safe side. And after that, I made the payments to the XXXX XXXX salesman, XXXX XXXX per his instruction by cashier checks. After a cycle of 15 days, a month, or one and a half months, the payments were reversed from my financial institutions. This is a fraud. The bank shouldn't allow reversing payments after it's been a month or two. This clearly means no one is safe because there is no guarantee of doing any sort of business with the banks if they will just reverse the payments. ( edited )
|
| 03/24/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/2022, I initiated a wire transfer with Marcus by Goldman Sachs to close on the purchase of my new home. I was told that since I initiated the transfer before XXXX XXXX ET ( it was scheduled at XXXX XXXX ET ) that it would transact on the same business day.
I called Marcus at XXXX XXXX ET to see why the wire had not gone through and they told me it was in review and that it would go through before close of business.
At XXXX XXXX ET I called back to check and they told me that while they do sometimes wire transfer funds to third parties, that exception would not be granted to me. They told me that the best they could do was send the money to my personal external account and since it was after XXXX XXXX ET, I wouldnt receive the funds until the next day.
At this point Id already missed closing on my home purchase, so initiated the wire transfer to my personal account and waited until the next business day to check if the funds had transferred.
They hadnt.
As of now, the funds are still not in my account and I still have not closed on my home purchase. I deposited a very large sum of money in my Marcus account and it appears that I cant take it out. Im concerned and frustrated by their incompetence.
|
| 11/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I trade in my Apple Watch series 6 for Series 7 On XX/XX/XXXX Apples receive my series 6 watch for the trade-in on XX/XX/XXXX I receive an email from Apple stated I must unlock my Apple Watch because it is locked am fine my phone I called an text them on XX/XX/XXXX to tell them my watch is not lock to my phone either send pictures of it that is not lock to my phone They stated theyre going to send a report to the trading department on XX/XX/XXXX they sent me a topic to do on that app that I must accept or reject their offer for the Adjustment I see no adjustment price than the {$210.00} that what them Stated that I going to get so I call in On XX/XX/XXXX to ask the representative if Im seeing right because everyone knows when you see a adjustment you should see a price near to it r what it going to be adjusted to the one on of that so the representative told me I must go ahead and except because shes only seen the {$210.00} now Apple want to play game by sending an email to my phone stated that my trade-in is XXXX dollars and they can take my brand new watch I want to know where is the fairness in that one and Goldman Sachs is sitting on the sidewalk line do not want to do anything I watch Apple charge me {$220.00}
|
| 08/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Initial date of incident : XX/XX/2022, XXXX XXXX My XXXX was hacked and taken over by a XXXX party. A Goldman Sachs Apple Card was linked to this AppleID. I reported the hack to Apple within minutes of it happening.
Despite my fast action in reporting the problem, the hacker then made purchases of approximately {$22000.00}. Other charges came through the account, as late as XX/XX/2022, despite the fact that all cards associated with this account were supposed blocked/frozen on XX/XX/XXXX.
Access to my AppleID is lost forever as the hacker is in control of it.
Goldman Sachs/Apple Card refuses to issue a new card using my new XXXX XXXX. They say I can not apply for a new card until all issues are resolved and that I must cancel the old account and reapply for credit as if they do not know me nor my excellent history with that account. In order to reapply, the old card must be paid off in full, including a monthly installment purchase of a product from Apple.
Account cancellation and reapplying will impact my credit score. The company said that my hacking/fraud may or may not be used in considering a new application for credit. As of today, two months later, the issues have not all been resolved. So, I wait.
|
| 10/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Subject : Unauthorized Charges on My Credit Card On XX/XX/2023 I discovered a transaction on my credit card statement that were made without my permission. These charges are as follows : Transaction Date : XX/XX/2023 Amount : XXXX Description : Apple XXXX XXXX Add additional unauthorized transaction of XXXX on XX/XX/XXXX at Apple Online Store that I blocked.
As soon as I noticed these unauthorized charges, I took immediate action by contacting Apple Goldman Sachs customer service team. I spoke with [ Customer Service Representative, who was extremely helpful in addressing my concerns. During the call, I provided all the necessary information regarding these unauthorized charges and was assured that the matter would be thoroughly investigated.
I would like to emphasize that I did not authorize these transactions in any way, and I request a full investigation into this matter to determine how these charges occurred without my consent.
I take the security of my credit card account very seriously, and I hope you will take the necessary steps to rectify this situation promptly.
I appreciate your prompt attention to this issue and your commitment to ensuring the security and integrity of my credit card account.
|
| 03/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of Identity Theft. The account # XXXX you listed on my consumer credit reports in the amount of {$12000.00} are fraudulent and is a result of Identity Theft. These accounts have no association to me. I have contacted and sent an Identity Theft Police Report, Identity Theft Affidavit to Goldman Sachs Bank USA several times explaining my Identity Theft situation and yet Goldman Sachs Bank USA has continued to harass me and report this inaccurate unverified account to the credit bureaus.
I sent 2 letters to Goldsman Sachs Bank USA. One on XX/XX/XXXX to Goldman Sachs Bank USA Fraud Dept.
XXXX. XXXX XXXX XXXX XXXX PA XXXX XXXX Certified mail tracking number XXXX and onXX/XX/XXXXto Marcus by Goldman Sachs XXXX. XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX Certified mail tracking number XXXX Both letters were delivered and signed for. The letters included a cease and desist letter, explanation of debt not owed, police report, identity theft report, XXXX XXXX license with Social Security card for verification.
These letters were IGNORED and Goldsman Sachs is in continued violation of my rights under the Fair Credit Reporting Act, and are in federal violation of the Fair Debt Collection Practices Act.
|
| 12/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I have an Apple Card & really only ever have XXXX issue with it. Every single month on or about the XXXX I get hit with a charge for {$9.00}. Its for a XXXX XXXX subscription service that I do not have. Every month I contact Goldman Sachs and every month I have to go through & change my card, XXXX ID, password, etc. it literally takes hours & does nothing. They only block me from using my own account. Thats not a resolution, Ive asked them to block this merchant from charging my account, they wont. So every month for going on XXXX full years now, I have this reoccurring issue. I did not want to complain because I do not have any other issues. I just feel like someone at the top needs to intervene & fix this. All I want is them to block XXXX from charging me or change my card numbers so they cant charge me. Thats the only issue but I should not have to go through hours of changing everything on my account, every single month for 2 years! Why cant they fix this? They tell me they have reversed every XXXX charge on my account but, I still see some I have never given them my card number. It is fraud. Please reverse all XXXX charges & either change my account info or block them from using my account. Thank you.
|
| 09/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Goldman Sachs ( Apple Card ) Payment placed on XX/XX/XXXX could not find payment of {$4900.00} an investigation was done internally.
Provided them with check tracking number, date issued, and the amount.
Was charged interest because they misplaced payment.
Contacted issuing bank and they did their own investigation. They stopped payment and re issued it to me in which I then sent payment in a higher amount of {$6700.00} posted on XX/XX/XXXX another payment of {$300.00} posted on XX/XX/XXXX and {$1000.00} posted on XX/XX/XXXX payments posted in XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$1000.00} to Goldman Sachs .
They charged me interest again.
A total of {$200.00} in interest which shouldve been refunded.
Made several complaints between the dates XXXX.
Kept giving me different information asking for the same proof of payment ( sent via text XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) emailed proof, ( XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX ) They havent reviewed or documented anything properly.
Ive been on the phone for almost 2 hours at a time over the last 6 weeks trying to get them to refund the interest including going over every charge made since XX/XX/XXXX.
|
| 07/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I opened an account with Marcus in early XXXX. I had an unexpected bill come and tried to withdraw money to my checking to pay for my daughters birth bill. They told me I couldnt and were extremely rude on the phone. I instructed them I want to close my account in the second week of XXXX. I was then called back and told I couldnt close my account nor get my money. I was transferred to a supervisor and was given a confirmation number and everything. The supervisor apologized, but they still did nothing. Fast forward to today and I still have no update on my account being closed, they locked my account, and still have not given me any information on when the account would be closed. I was giving seven to ten business days which passed a long time ago. I call everyday and they STILL said they had no update. Absolutely unacceptable when I have a considerable amount of money in the account. Something needs to be done, going a month and half without any information is not okay. A bank should not be allowed to hold your money hostage when a customer request the account to be closed. I have no avenue to get my money which I think seems highly illegal. The banks name is Marcus but is owned and ran by Goldman Sachs.
|
| 12/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
XX/XX/XXXX and XXXX this credit card company tried to pull {$3000.00} out of my bank account the first was unsuccessful but the second time it was accepted. They were not given permission to do so I was not late on payments. I have called multiple times I have sent a letter like the agreement has stated and also called corporate with XXXX success of any reassurances that this will not happen to the other accounts I have with this company. They illegally took the money out and stated it was pulled and paid on the XXXX which no activity in my bank until the XXXX and again on the XXXX. Ive called and asked for recordings taken on the XXXX around XXXX XXXX they said they could get them at first but no return calls or updates along with asking for an answer or investigation into what happened. Ive called customer service multiple times and am now being told not even the notes state what happened to my account. This company is trying to cover up illegally pulling money out of my account without missed payments from me as a consumer or with permission to pull with auto pay Ive told them multiple times that I did not give them permission to do this and nothing has been resolved with this company as of XXXX XXXX.
|
| 03/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I ordered my XXXX from XXXX in XXXX and returned it towards the end of XXXX, in line with their return policies which gave me until XX/XX/2022 to make the return. I have chat transcripts that confirm that XXXX received the return on XX/XX/XXXX, but I never received a refund despite multiple attempts at contacting customer service and agents telling me that I would receive communication from XXXX. As such, I initiated a dispute with Apple Card on XX/XX/2022 and I received communication today on XX/XX/2022 that the dispute was not found in my favor because " the items you purchased have not been returned to the merchant for a refund. '' I don't feel Apple Card has handled this dispute correctly, when XXXX has told me that they did in fact receive the item that I returned. Apple Card also never asked me for the screenshots or documentation that would show that I did return the item. Now, I am being told that a new dispute would take up to 90 days, meaning it could take until XXXX to potentially reach a resolution on this case. In the meantime, I am out {$1900.00}. Additionally, Apple Card has not sent me the documentation to explain why the original dispute was not found in my favor as they are expected to.
|
| 06/26/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I wanted to transfer {$4000.00} from my XXXX Goldman Sachs account on XX/XX/XXXX to the XXXX bank the money came from so I could pay for things. The bank put a hold on my account and didn't tell me about it until I logged back in after 5 days had passed. I called the bank on XX/XX/XXXX to see what I could do, but they didn't really help with it the first time because I called outside of business hours, even though it says 24/7 assistance. I called the next day, XX/XX/XXXX, to see if they could help. They helped, but they said that my phone number on file couldn't get a verification text. I have never had a problem with any bank where they couldn't get a verification code from my phone. After that they said they would seen me an Affidavit to sign and notarizes so they can prove it is my account so I can access the account. I called back after that intrusion to see how long it would take to get this in the mail, and they said 710 days, which is too long because I have payments due soon for XXXX.I asked to speak to a supervisor to see if they could do anything, and they said they didn't have any on duty and said to call back in 2-3 days to see if they had pressed my request to have it mailed to me faster.
|
| 10/06/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XXXX I have contacted Marcus XXXX by Goldman Sachs to find out my savings account details for a wire transfer. I have done this by logging in to my account at marcus.com website and using the chat system on the website.
The chat agent gave me the following details for the wire transfer to my account : Account number : XXXX.
Bank name and address : Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX, Utah XXXX.
My sister has transferred XXXX XXXX USD to the above mentioned details on the same day ( wire confirmation attached ) from her account with XXXX XXXX XXXX
I have started to check my account every few hours after that but haven't seen the transfer. I contacted Marcus XXXX numerous times to find out why the money is not being credited. At first, Marcus XXXX told me that the funds haven't arrived yet. Then they told me that the transfer has been rejected. Then they told me that the transfer has never been received.
I asked several times to provide any form of confirmation that the transfer hasn't arrived or was rejected/ sent back to XXXX XXXX XXXX Marcus XXXX refused without explaining the reason. Today is XX/XX/2022 and I still can't get any information from Marcus XXXX.
Please help.
|
| 06/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
This credit card 's customer service is totally ridiculous and a disaster, first of all they take forever in verifying the account, and then secondly for every small inquiry I have they keeop on transferring me from one department to another.
The online chat section is worthless because one person is taking care of multiple inquiries, I had problems with the credit card yesterday and I made a complaint with CFPB and today I am doing the same.
I don't understand why you guys ask the customers name to verify the account when there are so many different nationalities living in XXXX with different names and it's very very hard for the customer and the customer service agents to understand the name, it should be plain and simple, you should be just be asking about the credit card number, the date of birth and social, thats it, XXXX is making it unnecessarily complicated and difficult to verify the account. secondly, I called in today to know that how can I use the accumulated point on my credit card, the customer service did not have an answer of it and wanted me to tranfer to the rewards department, if the customer service doesn't have an answer of this small inquiry, why are they sitting over there?
|
| 04/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I made a purchase at XXXX XXXX in the amount of XXXX. There was a dispute with the charge in the same month. I made a payment at the end of XX/XX/XXXX. In XX/XX/XXXX, I was given a credit of {$400.00} while the dispute was being investigated. I made contact with XXXX XXXX and exchanged my purchase for the correct Item. This issue with the merchant was resolved. In XX/XX/XXXX, the credit was reversed at the conclusion of the dispute settlement.
In XX/XX/XXXX, I received a email communication stating I the matter was resolved in favor of the merchant and was charged {$400.00}. I called Goldmen Sachs and advised them of the error in the dispute. I advised the matter was closed. In XXXX I received another email communication stating a dispute was resolved in favor of the merchant and was charged for {$400.00}.
I called Goldman Sachs and Apple Card to remove the debit on my account and they are telling me I owe them for the credit that was applied to my account. I advised no credit was applied on my account and requested an audit. The matter is pending.
There records are unclear and if I was not a XXXX XXXX XXXX I would not be able to understand the financial transaction manipulation.
|
| 01/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Apple Card/ Goldman Sachs continuously performs adverse actions against me the consumer. They are also tarnishing my reputation by reporting negative activity to the credit bureaus when I have made numerous attempts to pay. Apple Card/ Goldman Sachs has also created multiple accounts through my consumer credit and will not allow me to access those accounts. When I submitted my remittance payment online, initially my payment was accepted. Apple Card/ Goldman Sachs then reversed the payment after many days. I spoke with a couple representatives and reminded them of their fiduciary duty to transfer the debt. I then tried another account opened through my consumer credit which was sent to me. That payment was accepted too then days later Apple Card/ Goldman Sachs reversed the charges once more. I am submitting a billing error 12 CFR 1026.13 and an adverse action claim against Apple Card/ Goldman Sachs for their malpractices and many violations of the Truth In Lending Act ( TILA ). As I was not made aware of the many accounts opened through my consumer credit nor was the legalese explained to me as the consumer about the remittance payment or the original security contract deposited for bailment purposes.
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against Goldman Sachs Bank ( Apple Credit Card ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy B from the IRS/Goldman Sachs Bank ( Apple Credit Card ) , theyhas failed to update my account to reflect the paid-in-full status.
This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting Goldman Sachs Bank ( Apple Credit Card ) directly, but the situation remains unresolved.
I kindly request the CFPB 's intervention to investigate this matter and ensure that Goldman Sachs Bank ( Apple Credit Card ) promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile.
Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.
|
| 10/19/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Trouble accessing funds in your mobile or digital wallet
|
|
Web |
|
|
I contacted Apple on XX/XX/23 to conduct a dispute that happened on my old device that my ex used due to me not having access to my other phone that I ended up losing in XXXX, I didnt have access to my banking my XXXX my emails nothing, so I was unaware to see what was taking place. I reported it and they opened a claimed and actually closed the claimed and provided my refund. Now the issue is my XXXX is now locked for suspicious activity, Ive never done anything suspicious and the last person I sent {$20.00} to was my sister and it triggered my account to be locked. So my refund went to a locked account and theyre telling me I cant get it back and that my account is locked indefinitely and I just feel so robbed and lost because I have no idea why they would do that and feel comfortable doing that, I wouldve complied to anything they asked me to do in regards of my account but to completely kick me off without explanation and then keep my money is overly insane, Real life banks doesnt even do that. Hopefully theres something you guys can do to get this done I was referred here by some people in a group chat that said yall were successful in reaching out to Apple to get this done so Id appreciate it
|
| 04/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, I am filing this complaint on my own behalf. There is no third party involved. I have new and additional information regarding case # XXXX on GOLDMAN SACHS BANK XXXX On XX/XX/2022 the Affidavit of Truth, and attached supporting exhibits were delivered to Goldman Sachs BANK, per certified mail receipt # XXXX. Goldman Sachs Bank has failed to respond via affidavit, rebutted line by line within the allotted time period given : 10 days. On XX/XX/2022, I received a packet from Goldman Sachs Bank, postage dated XX/XX/2022. This packet included a Letter, and alleged consumer contract, with arbitration agreement, and alleged statements regarding said debt. The company, Gold And Sachs Bank has continued to violate me, by failing to rebut my sent and delivered Affidavit, sent and delivered XX/XX/2022. The company, Gold And Sachs Bank has continued to violate me, by failing to send ALL requested documents requested in my original validation of debt letter sent and delivered XX/XX/2022. On XX/XX/2022 Goldman Sachs Bank attempted contact to my personal cell phone. This violates me and progresses continued harassment regarding this alleged debt, after receiving a demand to cease and desist.
|
| 02/18/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
|
|
I'm here to report a general unfair process handled by Marcus bank. I opened quite some CD accounts in this bank. Recently, I noticed I can set how to handle the money after maturity for some accounts but not other accounts. I gave them a call and got to know I can only set it up after one year of account opening. Now, the question becomes why Marcus has this policy? This is just a setting and customers don't really withdraw money before maturity. The default setting is that CD will be renewed to the rate of that time if there is no further instruction from customers. Obviously, Marcus bank plays a game against customers. If customers like me either forget to change setting after one year or miss the maturity email from them, they can just hold the money for another term of CD. If I try to withdraw money after maturity date, they can charge the penalty. This kind of policy is designed intentionally to hurt customers and is not morally a right business practice. I report this not only for myself but also for other Marcus CD customers. Marcus bank by Goldman Sachs should stop this kind of policy and let customers decide how the money will be handled after maturity when the CD account is just opened.
|
| 10/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
|
The migration from the previous XXXX XXXX vendor to Marcus by Goldman Sachs has been a complete nightmare for myself and my business. This is sold as a business card. During the transition, it took multiple attempts to actually get cards sent to us after they disabled the previous cards. Then we received multiple batches of cards for the same people in the mail. No one batch of cards worked for everyone. Some people 's cards from the first batch were the ones XXXX used for the account, and then some in a third batch. Moreover, they generated cards for administrative users who were not supposed to receive physical cards and were not assigned credit limits within the company, causing additional charging issues and attempts to link our corporate line of credit against their personal credit lines.
Moreover, they do not have a way for us to pull the transactions from the website unless you've been assigned a card. No longer does the pull into XXXX work. Their export utilities for XXXX and XXXX files are not compliant, and these files are regularly missing transactions in the export. This has caused my business thousands of dollars in damages and delays, which they still have not been able to resolve.
|
| 03/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Was approved for a personal loan and was told to log onto their portal to access and e-sign the loan docs. $ $ $ in my account in 2-3 days. No such page was accessible on any platform -- their app, website or via a browser. 9 phone calls to try to " fix a technical issue '' which apparently happens every day, as I have subsequently seen in numerous complaints. Was told that they would snail mail me the loan docs -- I refused, as the loan was intended for an emergency need. Asked them to fix their technical issues. Within an hour, I Received a voice mail that they had already mailed me the docs, and thus I could not have any access to them online. Called up and they got nasty. Have reported them to XXXX XXXX, on whose site they appear.
I am now trying to pull my credit to see if their infamous " hard credit inquiry '' tying up my available credit is going to sink me, as it apparently has so many people.
I fear this was either a scam to get my information, or is their way of operating ( to deny reasonable and speedy online access ) due to a terrible cash flow or loan funding issue, i.e. they may " approve the loan '' but have not actually funded it ... this insistence on mailing buys them time.
|
| 12/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Sometime back in XXXX, Marcus by Goldman Sachs stopped sending me paper statements. Because of this I missed a payment. Marcus suspended my card. I immediately paid off the card and closed the account because I felt like that was a terrible way to do business. I never received another paper statement and I had a positive balance of {$.00} on the account when it closed. Several months later, I noticed that my credit score had dropped by XXXX points because Marcus reported my account as delinquent. Turns out they had charged me some sort of bogus interest fee after the account was closed. I had no idea it was even there. This has started a cycle of " missed '' payments, late fees, and interest charges. I have been trying to work with Marcus to get this resolved. I was advised by XXXX of the Managers to make a payment for the balance to stop all of the interest. I was told it would be refunded when the dispute was settled. I finally received a check for that payment back, and then this month, they charged me a late fee on the money that they just sent me a check for. I have called and tried to get to someone who can reverse everything and am getting nowhere. I need them to get my credit fixed ASAP.
|
| 10/05/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
About 3 years ago, I opened up 4 CDS with Marcus by Goldman Sachs. When it came to maturation of the first threee that expired, I was notified in advance as per their policy. I chose to NOT roll them over.
However, when ir cames to the last one that had the longest duration ( 3years ). I was never notified 30 days prior as per policy. I forgot! Instead, I received email confirmation that it was rolled over on the XXXX of XXXX.
The first representative I reached out to alluded that I was not notified and stated that I received monthly statements to that effect. I was told that someone would get back to me in 2 business days. No one did.
I reached out again. This time the representative claimed I was notified as per notes on her screen. When I requested transcripts of the email be sent to me she deflected -- I promised to drop my complaint if there was evidence of notification via email.
I was informed in all cases that I would have to be assessed an early penalty. This is not right. It was their fault.
I believe it was all done deliberately. They had observed I was not renewing. ( I wanted to take advantage of subsequent Fed Rate Hikes. ) It represents a breach of contract and is shady.
|
| 11/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
I was a XXXX XXXX XXXX at the time, under XXXX, without a job when I received the XXXX ( {$400.00} ) and Apple Card ( XXXX ). I have XXXX XXXX XXXX, and suffer from XXXX. At the time had been experiencing a XXXX XXXX where I spent unnecessary money and could not help myself, this was especially apparent with the Apple Card. There is another card ; Wayfair ( XXXX ), with XXXX XXXX that I can not pay.
During the pandemic, starting in XXXX, they made efforts to stop the accruing of interest. Although I expressed to them multiple times that this was a debt I could not pay as I was a XXXX XXXX, without a job. They gave me the contact information for XXXX, a debt consolidation program. Hopeful, I signed up with them, only for XXXX to inform me that Apple does not participate in this program. XXXX has not heard from XXXX at all, so whether or not they participate is unknown.
I am XXXX years old currently, and my mother has been assisting me with the payments, completely. I am unemployed, unable to work due to the XXXX XXXX and working with XXXX XXXX professionals to receive social security benefits. My condition has hindered me in multiple ways, even preventing me from attending school this year.
|
| 10/24/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
Older American |
|
I got a notice on XX/XX/2020, supposedly from Goldman Sachs, that an Apple credit card in my name and address, had a balance and asking me to settle the balance.
I informed the Goldman Sachs Apple Card Specialist at XXXX that I had never had an Apple credit card, although I have been using XXXX devices for many years, and that in all probability my Apple ID must have been hijacked.
The analyst wanted my date of birth and contact information which I provided but I declined to give the last 4 digits of my social security number since I was not altogether sure that this wasn't some sort of scam by an adversary of the United States, where I am a citizen.
I have since changed my Apple ID password to be even stronger than before but I am perturbed that XXXX and Goldman Sachs do not utilize verification mechanisms such as two step authentication before allowing such credit transactions to go through.
This hole in the secure use of apple credit cards at merchants is very disturbing.
I have made a written complaint to the FTC but am also entering it here so that action can be taken to prevent innocent uses of XXXX mobile devices from having to pay for transactions that they are not responsible for.
|
| 12/07/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have banked with Marcus for several years now with no issue.
On XX/XX/XXXX, I received a phishing phonecall with someone trying to gain access to my account. I immediately changed my password.
on XX/XX/XXXX, I attempted to log back in to my account, and it had been frozen due to fraud investigation on XX/XX/XXXX, I called Marcus support, asking for more information on what had happened, whether my funds were safe, and how to regain access to my account ASAP. I was given no explanation, just told that the information was " locked '', and to call back in 5 days XXXX, I called Marcus support again, asking the same questions. Was told again by agent that my account was locked, and they were unable to provide an estimated resolution timeline, or any additional information. Just to be patient and wait for a phonecall/email with next steps ( that they could not provide an estimated arrival date for ) While I appreciate the protections put in place to guard against fraud, I am extremely concerned about the way this is being handled. No one has been able to even tell me if my deposits are safe or when/if I will be able to access those funds again? As you can imagine, this is a major issue for me.
|
| 05/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Dear Apple Card/GS Bank USA , I am writing to request the removal of a late payment from my account. My account number is XXXX and my name is XXXX XXXX. I want to start by saying that the Apple Card is my favorite credit card of them all, and I am looking forward to building a long-term relationship with your company.
Unfortunately, I was laid off from my job which caused me to experience financial hardship. As a result, I was unable to make the payment on time. I am now in a better financial position and have a stable job that allows me to make payments on time. However, this late payment is affecting my credit score and preventing me from qualifying for a house for my family. The late payment is also preventing me from getting a home with a good interest rate.
I am hoping to be the first person from my family to own a home, and this late payment is hindering me from achieving that goal. I understand that it was my responsibility to make the payment on time, but I hope that you can understand the circumstances that led to my inability to do so.
I kindly request that you consider removing the late payment from my account. Thank you for your time and consideration.
Sincerely, XXXX XXXX
|
| 05/21/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On or about XX/XX/XXXX I received an email from Goldman Sachs letting me know of a bank promotion which stipulated that if I deposit at least {$10000.00} in my savings account and kept it for 90 days I would get a bonus of {$100.00}. I deposited {$10000.00} into my savings account on XX/XX/XXXX. Since I didn't receive the bonus, after XXXX days on XX/XX/XXXX I contacted Goldman Sachs. I was told that I met all the conditions of the promotion and I would get the bonus within XXXX business days. After XXXX business days on XX/XX/XXXX I contacted the bank again, and this time I was told that they would open a case to find out why I didn't receive the bonus. I opened case XXXX. When I opened the case I was told it would take 1 to 3 business days to resolve. After 3 business days I called again and I was told that I would get the bonus within 1 to 3 business days. After another 3 business days I called again and this time I was told that the promotion department would contact me regarding this. As of today, no one has contacted me, and after repeated phone calls I still have not received the {$100.00} bonus. Over the last week I called at least 6 times. Each time they tell me something different.
|
| 03/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
On XX/XX/XXXX I contacted Goldman Sachs about my Apple Card. The app setup my auto payment to pay full balance monthly. I didnt notice it until I saw a payment of XXXX. I called for it to be reversed or cancelled and the rep processed it. On XX/XX/XXXX I noticed a declined transaction due to over my {$3500.00} limit. I new I havent used the card that much so when I checked my balance was {$4800.00}. They doubled the reversal. They have been reporting that over limit balance to the credit agency plus charging me interest. I contacted them again XXXX, and XX/XX/XXXX to get different stories each time. The last was a supervisor that said she has seen this many times but never heard on one being resolved. I was told everything to 3 days, 7 days, 10 days, 30 days and 90 days to get fixed. They finally sent an email saying the dispute was rejected. This is simple math. I also checked with my bank and I only received one refund from them as one of the supervisors said the problem was due to multiple refunds. I have seen others on forums complaining about the same thing. This means they are stealing money via interest or payments made for an error in their behalf. This is not legal. Please advise.
|
| 11/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On or around XXXX XXXX my son who is a cardholder on my account set up automatic payment on the account, however, he didn't know to realize you needed to select pay the minimum due or statement balance. The system drafted from his personal checking account the statement balance of {$1600.00} dollars. When he realized that his personal checking was overdrawn he immediately contacted the credit card company and explained exactly what happen the credit card company immediately reversed the payment and returned the money back to his bank and the following day he made the payment of the minimum amount that was due. However, the outstanding balance increased on the credit card in the amount of {$1600.00} dollars bringing the total outstanding balance to {$3600.00} dollars with a credit limit of {$3000.00} dollars. I have made a total of 5 disputes with the credit card company about the outstanding balance being totally wrong. I told them if they add up all the transactions from the time the account was opened all the transactions do not add up to {$3600.00} dollars, therefore why is the outstanding balance {$3600.00} dollars? They are telling me the outstanding balance is correct and it's not.
|
| 02/17/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Older American |
|
re : Marcus CD This CD matured on XX/XX/XXXX -- earning 2.75 apy. On XX/XX/XXXX I did an on-line inquiry of the renewal rate -- reading the actual interest rate would be per the actual renewal date. So I decided not to do anything until maturity. Today, within 10 days of maturity date, I went on line and saw the CD had been renewed for 6 months at 0.6 %. Furthermore I was told I was beyond grace period from XX/XX/XXXX. 10-day grace period starts from the maturity date -- the online inquiry starting the clocking is not legitimate.
I was on the phone today for over 1 hour, speaking to 2 supervisor, appealing the arbitrary company policy, to no avail. I asked to speak to a higher level person -- was told only to wait for 24-48 hours, i.e., I would be further penalized for the cost ( not of my fault ) of the lower interest rate, plus more penalty ( over 700 as of today XX/XX/XXXX ) if I have to close the CD and run with my money.
Back when the law was enacted for a 10-day grace period, there was no online banking, so there couldn't have been a distinction between an online pre-maturity renewal vs. a renewal of a CD after maturity. So the company line is heads it wins and tail I still lose.
|
| 05/07/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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XXXX promoted {$100.00} bonus for depositing $ XXXX. I deposited $ XXXX on XX/XX/XXXX. XXXX reversed the deposit on XX/XX/XXXX. They told me at the time the reversal was due to potential fraud concerns. They assured me if I redeposited at leas $ XXXX within 10 days I would get credited the {$100.00} so I redeposited $ XXXX on XX/XX/XXXX which they credited to the account on XX/XX/XXXX, 9 days after their reversal. I called hem today to find out why the {$100.00} bonus was still not posted and the their " customer service '' dept. is claiming the code " they see '' is the reversal was due to to NSF. That is completely INCORRECT as I can prove I had sufficient funds when the original $ XXXX deposit was made ( just like I had sufficient funds when the {$14.00} deposit was made 9 days later ), coupled with the fact that I already knew the original reversal was due to their fraud department improperly reversing the original deposit!! This has been nothing but a hassle and XXXX from the thieves. I complied with all terms of the offer, they have my money, and their information is either incorrect or they are simply lying to me to avoid paying me the {$100.00} bonus they owe me. SHAME ON THEM.
|
| 09/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I noticed six separate charges for {$25.00} each on XX/XX/XXXX that were not initiated by me. I contacted both the card issuer and merchant later the same day to dispute those charges. The merchant marked the charges as fraudulent and the card issuer opened disputes on the six charges with provisional credits applied to offset the charges.
On XX/XX/XXXX one of the six charges had the dispute resolved in my favor - a merchant credit was applied for {$25.00}, and a {$25.00} charge was applied to reverse the provisional adjustment. On XX/XX/XXXX a second {$25.00} charge was applied to reverse the provisional adjustment without any corresponding merchant credit.
Meanwhile the five other disputes are still not resolved my the card issue and it has been more than 90 days since the disputes were opened.
Since the XXXX double dip reversal charge I contacted the card issue twice - by chat and by phone. The representative I spoke with said the disputes would be resolved before the 90 day period from the opening of the disputes and that they would " escalate '' the second adjustment charge to some unnamed group that would follow up with me - it has been over two weeks and no word from them.
|
| 08/20/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
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Web |
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I have been trying to get money out of Marcus for over a month now. First I tried to wire to a third party escrow to close on a home purchase, the person on customer service took the wire information for the wire and said it would go out. I then got a call several hours later informing me that they do not wire to third parties only to accounts in my name, so I started a wire to my credit union. Then, because my credit union uses a third party bank for wires, they informed me that a wire was not possible. At that point I was able to get a person to send me a cashiers check, WAY too late to close on my house. ( I had to take a personal loan for my down payment from my mom to close ) So, knowing that it would be impossible to get money going forward I opened an account with a new bank and tried to wire funds to that account. Marcus then proceeded to lock my account and every time I try to call to get it unlocked they put me on hold while they attempt to contact someone in a specific department and 30-40 minutes later come back and say that no one is picking up. I have called multiple times and can not get my money now. The most recent call, they couldnt even find my account in the system.
|
| 08/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
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Apple Card ( by Goldman Sachs ) made my credit card unusable starting around 2 weeks ago. The current card number they gave me does not work for any purchases. It declines every time and says " Declined - Card Replaced '' as if the current card number is outdated/expired. I thought I could fix it by trying to request a new credit card number to replace the old, non-working one. But every time I try, it says " Account Action Not Permitted. '' This is abnormal as I was easily able to replace my card number in the past. I have called their supervisors at least 4 times now and they have been absolutely no help. They constantly give me the runaround. For example, they say they put in a " tech review ticket '' for me that will be resolved within 3 days and that I will be contacted. It has been way past that and I never got any updates, responses, or resolutions from them. I even tried calling them again after all this just for them to say to wait longer again. This is unfair as all I want to do is be able to use my credit card. I dropped my credit score to apply for this credit card so I can take advantage of its benefits. I am unable to do that if I can not use my Apple Card. Thank you.
|
| 05/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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I have a charge on my Apple credit card from XXXX XXXX XXXX, charged on XXXX XXXX XXXX for {$760.00} which is fraudulent and not charged by me. I disputed this charge through my credit card but the refund was declined by XXXX stating that I purchased tickets that were delivered to XXXX XXXX I tried to log into XXXX account with my email and received an invalid username prompt. I attempted contacting XXXX and was unable to obtain additional information because I could not verify the account. I emailed XXXX to provide proof that I accessed the tickets either through XXXX XXXXXXXX or through the box office which would require ID and I am waiting for their response. Otherwise, why would I purchase tickets and not use them. Hence, the request for a refund due to fraudulent credit card activity.
Most people that commit credit card hacking can easily obtain basic information on a person such as address and email address. Also, this basic information is available online.
I did not purchase tickets, and I would like my credit card to be refunded the amount fraudulently charged to my credit card. It is absurd that a company like XXXX will continue to enable fraudulent credit card activity.
|
| 04/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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|
Web |
|
|
I have had a number of hard and soft inquiries into my credit recently that I did not consent to. These requests were for things like loans and credit cards which I did not authorize.
The mailboxes at my apartment building have been broken into a number of times in the last several months and I have had many personal items stolen such as my renewed drivers license, pre-qualified credit card notifications, among others.
The only thing I have to identify the requestor is the email address that have been using to send these requests our which is XXXX Here are the three hard inquiries which have been dealt with through each respective organizations ' fraud department : XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX Bank XXXX XX/XX/2022 Here are all of the soft inquiries made as reported by XXXX : XXXX XX/XX/2022 XXXX via XXXX XX/XX/2022, XX/XX/2022 XXXX XXXX XXXX XXXX GOLDMAN SACHS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLE CARDGS BANK XXXX XXXX APPLE CARDGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Goldman Sachs is in violation of my consumer rights according to the FCRA. Pursuant to 15 USC 1666b.
15 U.S. Code 1666b - Timing of payments- ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
|
| 03/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
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I was approved for a GM Rewards ( issued by Marcus by Goldman ) credit card in XXXX XXXX XXXX. I wanted to take advantage of the 9 month interest-free period, so I attempted to immediately charge a vacation using the virtual card provided to me on the website. The charge was declined multiple times. The physical card came to me in the mail but I was unable to activate it. This is because on the website, it said my card was " restricted ''. Over the next 3 weeks, I made 3 calls in an attempt to remove this restriction so that I may use the card. I spent approximately 9 hours on hold. Each time I was told that they could not help me, but someone would be calling my cell phone to speak with me to rectify this. I received zero phone calls. On XX/XX/XXXX, I did a 3 hour online chat with XXXX XXXX XXXX. She claimed that there were XXXX levels to my restriction and she was unable to get through all of them. I was then told, again, that someone would be calling me. They have not. I have lost time of the interest-free period I could have been using to pay off my vacation. I have also sustained damage to my credit score for the inquiry to be approved for this card that I am unable to use.
|
| 07/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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I have several credit cards and XXXX setup each payment ( bill pay through my bank ) to be received on the exact date the payment is due. This works for all but my GM Rewards Card by Marcus Goldan Sachs. For that card I have my bank send them a check XXXX day earlier, so XX/XX/XXXX when the payment is due by XX/XX/XXXX. That is because the GM credit card will issue a late fee/interest fee if the payment is received on the day it was due. The late fee/interest fee are then reversed automatically. But Ive had to also call to make sure it was reversed. So a waste of my time. Why are they this? I believe they are pressuring consumers to send their payment in a day or two earlier, thus having MILLONS or maybe BILLIONS of dollars on hand one or two days earlier, which is a HUGE bonus for them.
My most recent payment was due XX/XX/XXXX, so I had my bank send them a check on XX/XX/XXXX. Yet I received a letter saying I missed a payment. So I called and sure enough the payment was recevied XX/XX/XXXX and the fees were automatically reversed. So now even one day early is not enough?
Is that a fair practice? I would think not?
Please let me know your thoughts.
Thank you- XXXX XXXX
|
| 04/21/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
I deposited {$41000.00} into a high yield savings account with Marcus on XX/XX/XXXX for the account opened on XX/XX/XXXX. My daughter referred me from her Marcus account so that we could both get their 1 % 3-month referral interest boost. I was immediately locked out of my account. I called them in early XXXX and was told I'd have to complete an Affidavit of Identity Form. I completed this form and sent it back immediately, paying to have it notarized. I did not hear from them and was still locked out, so I called them back and was told my form wasn't notarized ( even though it was ). They said they would send me another form to complete which I never received.
XX/XX/XXXX I received an email that they closed my savings account. I called and was told they had closed it due to the funds not being claimed. What were they going to do with my money? I was told they would investigate this and to call them back on Wednesday, XX/XX/XXXX with no direct number to call except their main phone line to go over my case and have my funds transferred back to my bank. They haven't communicated with me and I've been on hold for hours trying to resolve this with them. I just want my money back.
|
| 01/17/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
Re : Marcus I was given different information about transferring an old cd account to a new one using the same joint owner. The joint owner is my daughter who doesn't live with me and travels a lot so its difficult to do a 3 way call. Because of the different information given to me. i decided to close my savings and cd account and transfer my monies to my XXXX XXXX checking. When i go on line it shows my savings as pending a transfer. i was told it can take a few days which is fine. However, no where shows the status of the cd account or the amount, my account just shows 0. I called and ask that i need some assurance my money is being transferred or at least pending. Marcus shows no reference to my cd or the bank I'm transferring it to, XXXX XXXX. i ask the supverisor why my money does not show pending or anything. Her response was once the transfer is completed i will be notified. That is of course obvious, i just want to see where my money is at this point and that it is still protected. i ask the sup if she could just email me that its pending a transfer she said she could'nt. The system shows my money in the saving is pending, why not my CD?
My Marcus act # XXXX and XXXX
|
| 09/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
In XXXX I purchased a new XXXX. I attempted to connect the Apple XXXX to my bank account. In the process, it asked a number of financial questions. Unbeknownst to me Apple and Goldman Sachs opened a credit card in my name. Sometime in XXXX I received a collection for a {$25.00} charge for XXXX that I have never made. I disputed the charge with Goldman Sachs and asked they provide a proof of the charge. I also canceled the credit card as I had never consented to it. Goldman Sachs never provided any proof or supporting information that I had made a charge. They bizarrely insisted I did.
I did not make the charge, nor anyone I know.
It was completely fraudulent. Despite my exhaust of efforts to dispute the charge with both Goldman Sachs and Apple XXXX, I was stonewalled with no reply, or a denial of my request, stating i agreed to the charge. I did not. I went through the extra effort of writing to the president of the company with absolutely no reply. It began to appear on my credit profile and affected my credit score and I paid the {$25.00} under protest to clear my credit. Regardless, it remains on my credit to this day as a collection account in violation of all my rights.
|
| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My Apple Card account serviced by Goldman Sachs refuses to update and report my account balance accurately to the three credit bureaus, XXXX, XXXX and XXXX. I have paid my balance in full on all of my credit accounts because I am trying to purchase my first home. I have contacted Goldman Sachs numerous times to ask them to report my XXXX balance in order to raise my credit score. They last reported my balance information to the bureaus in XX/XX/2022. At that time my balance was {$4000.00}. On XX/XX/2022 I paid my balance entirely leaving a balance of {$0.00} which they did not report in XXXX. As of XX/XX/2022, my balance is {$0.00}. On the 3 occasions I have contacted them they have given me the runaround and provided conflicting and confusing information. I want them to act in good faith with their customers as I have acted in good faith and adhered to the terms of my credit card agreement as a customer in good standing who has always paid my bills on time with them during the three years I have been a cardholder. I have informed them their inaccurate and untimely reporting has negatively impacted my ability to purchase my first home and obtain the best possible loan terms.
|
| 11/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Greetings, I have been making payments on-time all the time for my Apple Credit Card by XXXX XXXX XXXX Payments are reflected on my Apple XXXX as directed and instructed by the Apple Card instructions within the XXXX. Apple has teamed up with XXXX XXXX to be the Banking Credit Provider for their cards.
My billing cycle starts every XXXX of the month and ends at the end of the month either the XXXX or the XXXX depending on the month. Every end of my billing cycle I make the required stated payment through the XXXX Apple Card by XXXX XXXX. But in recent times XXXX XXXX has not properly acknowledge my timely payments and has wrongfully put my account past due. When the representatives call me to discuss my allegedly past due amount, I bring to their attention the payments made by me and the amount and size of the payments and the frequency of those payments. These representatives when I bring this up to their attention they always hang up on me, or put me on hold for more than XXXX hour without answering me forcing me to hang up. Apple Card by XXXX XXXX has went as far as restricting my account for further access even when I bring up to them the payments I made and the amount.
|
| 05/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
There were a number of fraudulent charges made on my account back in XX/XX/XXXX, totaling around {$1500.00}, I do not remember the exact amount since it has been so long. I reported the charges and opened a dispute, and they started a review and began refunding the fraudulent charges to my card. I think the full amount was credited back to my account but they never completed the review and gave me full report, so I don't know for sure. My card has now been locked for a year and a half, after they initially said the review would take 4-8 weeks. The last balance adjustment I can see on my account happened back in XX/XX/XXXX. I have tried contacting them to get updates on their review several times, probably more than 10 times, over this time period and they have given no updates. Every time I ask them when my review will be completed, they say they have no update, and they will let me know when the review is complete. I have continually asked to have the issue elevated and speak to a manager and file a complaint but they repeatedly say there is nothing else they can do. The attachments are an example of the responses I have gotten every time I reach out to them for an update.
|
| 05/27/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
XXXX XXXX has a massive reputation by now that they hold your funds XXXX if you try to transfer out to another bank. The wallet app on XXXX will tell you the transfer is pending and that it will take 1-3 days. The truth is, however, they are putting a hold on the transfer pending verification. There are no indications of this nor any email or notifications to resolve the hold. As a customer, I only found out that more than 5 days have passed and my money still hasn't arrived. I contact XXXX XXXX customer support and they asked me to call a number. The customer support on that number then asks me to verify some things. I did. Then they tell me my transfer is now in " review '' status. They can't tell me what that entails or what will happen at this point. They can't tell me whether my money will proceed or when I can expect it to show up. The problem for me now is that it's the XXXX, and all my autopay for my credit cards are hitting my Ally Checking account. I do not have sufficient funds. All my credit card payments will bounce for having no balance, and I will have late fees and ruined credit history. XXXX XXXX with Goldman Sachs is a scam and they should be held liable.
|
| 02/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This matter involves Marcus by Goldman Sachs taking most of my cash savings of {$250000.00} from my XXXX savings account on XX/XX/XXXX through a reversal of a prior transaction that occurred in XXXX of XXXX. Essentially this matter involves XXXX and Marcus misplacing {$250000.00} back in XXXX of XXXX ( that never was received by me ). I assisted both parties with hours of my time to help them. Marcus had determined on XX/XX/XXXX that I am not responsible for such error and found in my favor by written correspondence and also by telephone even earlier. Despite such finding, Marcus took the money anyway on XX/XX/XXXX from my XXXX account, which ultimately didn't get released back to me until XX/XX/XXXX causing me substantial stress not knowing if I would get my money back. Marcus further messed up the complaint I put in on XX/XX/XXXX ( upon discovery of the wrongfully taken funds ) requesting my money back, but Marcus failed to enter the complaint property and had to redo it all around XX/XX/XXXX. During that timeframe, I had called in multiple times and spoke to agents, supervisors and the fraud department, yet they still didn't notice my complaint was not entered properly.
|
| 01/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
On XX/XX/2022, I received a call from a representative at Greensky in response to a letter I sent in XXXX. The case reference number for that letter was XXXX. The representative that called me informed me that I needed to speak with a manager to discuss the settlement offer I made in the letter.
He gave me a number to call and I spoke with a representative by the name of XXXX. This call was made XX/XX/2022 at approximately XXXX XXXX. c.s.t. The call was recorded, and I do have the audio file. I have attached a copy of the document she emailed me to ensure me she was referencing the correct account.
XXXX informed me that there was no need for the settlement as this account had a XXXX balance. She verified the account more than once to be sure we were referencing the same account. She sent me an email the next day to confirm that we were in fact speaking about the same account.
I now see a new account balance of {$47000.00} as well as additional interest charges assessed in the month of XXXX.
I moved forward in good faith relying on information that was given to me by a member of your management team and now it appears Greensky is reneging on what was reported to me.
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Firstly, I have never missed a credit card payment in my entire life ( something I pride myself on ). I also make sure to have auto-pay enabled on all of my accounts, as to never miss a payment. Nevertheless, I also regularly payoff the cards ahead-of-time.
I check my credit score daily, and when I reviewed it today ( XXXX ) I saw that it was down XXXX points ( XXXX to XXXX ) because of a delinquent payment. I checked through all of my accounts to see where the issue may be and saw that my Apple Credit Card XXXX Goldman Sachs Bank USA XXXX was reporting that I was roughly 30 days late on a ~ {$100.00} dollar payment.
I was extremely confused because as I stated previously, auto-pay is enabled on all of my accounts. I paid it off immediately, and had to **RE-ENABLE** Apple 's auto-pay feature when I had already done so previously.
I received no correspondence that this was going to occur in the background, or that my auto-pay was disabled unbeknownst to me. Now my credit score has tanked significantly and pending any rectifying of this, I will have to wait seven years to " age '' off of my report. All for product disfunction on Apple 's end that I wasn't notified for.
|
| 12/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Hi, I had a personal loan from Marcus ( Goldman sachs ) that I obtained earlier this year. I wanted to pay the full amount but wasn't able to do so due to limitation on the app. I was asked to give a call but couldn't reach anyone due to long wait times. Even the recommended amount upto {$2000.00} didn't work and always got issued. I feel like the company has made it difficult to pay the full amount earlier which is a part of the loan marketing tool that no pre-payment penalty. I think the functionality of the application is an integral piece as each day passes the company makes money off the high interest charged. Furthermore, hard to reach out the company is also a tactic to delay the customer to pay which in turns helps the company make more money. I understand the latter can be an issue during covid-19 but then again they should have other tools to help pay back on time. I want Marcus to take this seriously as a lot of people might not have the patience to pay the amount during multiple days and rely on application functionality, which is used for marketing at the first place too on a high interest rate loan. Everyday delay is material to the client if it's not to you.
|
| 10/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
On XX/XX/XXXX, I was surprised to discover that Apple Card had decreased my credit limit without any prior notice. The company insist I was notified by email prior but as of XX/XX/XXXX I have still yet to receive any correspondence from Apple Card. I have requested the company submit documentation verifying prior notice was communicated which they have refused. In speaking with a Apple Card Specialist I was advised this action was taken in response to a charged-off account that was reported to XXXX on XX/XX/XXXX. I want to emphasize that I have maintained a strong payment history with Apple Card, never missing payments, and consistently paying more than my minimum required balance.
The sudden reduction in my credit limit not only caught me off guard but has also posed financial challenges. This reduction could potentially lead to an increase in my credit utilization, which, in turn, may adversely affect my credit score. The domino effect of a lower credit score could lead other lenders to perceive an increased risk and subsequently lower the limits on my other credit cards. This situation is a cause for concern as it can have lasting consequences on my financial health.
|
| 04/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
I have an Apple credit card. Apple uses Goldman sachs as a bank. I opened another credit card with XXXX to do a 0 % interest balance transfer from my Apple card to XXXX.
I submitted the balance transfer and in about 3 business days the {$3000.00} showed up on my account in XXXX credit card, but my Apple card balance remained the same. I waited an additional 7 business days and the {$3000.00} that i transferred was still showing up on my Apple card and now on my XXXX card. Now it is showing that I am carrying an additional {$3000.00} + the {$150.00} fee i was charged by XXXX to make the transfer.
I called the apple credit card support line and talked to a goldman sachs representative and he told me that at this time Goldman sachs doesn't support balance transfers. But how was the balance transfer able to show up on my new credit card. Goldman sachs should have declined that Balance transfer in their system if they do not support balance transfers. It is criminal to put this burden onto the consumer where it now looks like i've taken an addition {$3000.00} in high interest credit card debt, which impacts my credit score and ability to make future financial decisions.
|
| 01/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
For nearly a year now I have been charged {$14.00} on the third of every month from XXXX for a XXXX membership. My XXXX XXXX membership is a student yearly, not monthly. Upon looking into these charges further, I found an unknown and fraudulent account had access to and was using my credit card to subscribe to these monthly charges. XXXX is not able to remove my credit card because of the lack of profile verification, and Apple has said that it is between me and XXXX. Neither side will help, but Apple is being the most blithe about the situation. While XXXX does refund me the {$14.00}, that doesn't solve the fact that someone out there is still getting away with this.
I am looking for Apple to block any incoming charges from XXXX so that this isn't an issue anymore. Apple has said they don't have the capabilities to block charges from certain retailers, but the bank where I have an account can block retailers, which leads me to believe Apple is lying and doesn't want to deal with this issue. If Apple can not block certain retailers like their representatives claim, they I need a new card with new information so that I am not continuously charged {$14.00} every month.
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| 11/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I ordered a sofa using my Goldman Sachs card. After many delays over 8 weeks, I attempted to cancelled the order. The retailer refused to cancel the order. I opened a dispute with Goldman Sachs. A few days later, the carrier contacted me, trying to schedule a delivery of the sofa, which I refused. I provided all documentation to Goldman and just received an email that my dispute was NOT resolved in my favor due to : " The evidence we received confirms that the merchandise was delivered '', when in fact, I NEVER took delivery of the sofa. To prove this, I have the ORIGINAL email the carrier sent me back in XXXX. Subject reads : XXXX XXXX XXXX : Your order XXXX has been delivered, body states that XXXX has the items and will contact me to schedule. This email states in the subject that the furniture was delivered when in fact it was not. I suspect the retailer provided a similar email when the second attempt at delivery was made in XXXX, which AGAIN, I did not accept and refused the delivery via email, in response to the same. I have attached the email threads in PDF format of the delivery attempts, and have multiple additional emails around the XXXX week delay, if needed.
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| 10/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I have an Apple card through Goldman Sachs. I used this card to purchase a new XXXX on XX/XX/2022 for {$1100.00}. I paid the balance of the card on XX/XX/2022. I then received a refund via XXXX for the trade-in of my old phone of {$720.00} on XX/XX/2022. I generally do not use this card, but had a few expenses that left my balance in the positive at {$540.00}.
In the past, this has been automatically credited back to my bank account.
Goldman Sachs refused to credit back this payment, saying that since I have installment plans for two other phones on my account, their new policy is to not issue refunds.
I asked multiple representatives, received a callback from their executive support, and all parties indicated that if I had waited to pay the balance from the XXXX charge ( I believe this would have been a late payment ) then it would have properly credited the existing negative balance and I would have the money in my pocket.
This is unfair practice, even if they can arbitrarily change their rules. What's the point in having XXXX XXXX interest installment plans ( my installment balance is ~ {$700.00} ) if you're going to hold hostage refund in a positive balance?
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| 07/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XXXX of 2022 I purchased an annual subscription to XXXX via XXXX XXXX. On XX/XX/XXXX my account was compromised due to fraud and I was locked out of the service. Neither XXXX nor XXXX was able to resolve access so XXXX told me to cancel my subscription which I did. I requested a refund for the pro-rata of the remaining ~9 months which I had paid for, approximately {$70.00}. XXXX advised me that my annual subscription purchase was outside their 60-day refund window and refused to refund anything.
The issue is that XXXX encouraged me to sign-up for an annual subscription vs. monthly by providing a better rate. I had a good-faith expectation that XXXX, through it's subscription service, would be able to provide me access through the term of my subscription. XXXX failed to provide that service and hides behind the 60-day refund policy. That's unacceptable to me.
I've filled out all of the surveys and escalated to Apple Card, the credit card arm of XXXX. I've escalated to their senior advisors and they even agree that I'm right, but are unable to do anything, so I ask that the CFPB look into this practice for the countless other people that may have had the same issue.
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| 11/30/2020 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Confusing or missing disclosures
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Web |
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Marcus advertised that we can open a joint account with myself and my husband. I successfully opened the account in my name, but received an error when adding my husband after having transferred XXXX of our jointly held funds. We called Marcus, and the customer service agent tried to add my husband but the system prevented her. She said to try again online in 24-48hrs and call if that does not work stating there is a manual process requiring additional documentation. We tried again online and it failed. We called Marcus again, a new customer service agent tried to add my husband and the system once again failed. I asked about the manual process, and she was not aware of one. I requested a supervisor who verified the information and suggested we try again in 24-48hrs. He also stated there is no manual verification process to prove identity. Our money is now sitting at Marcus in my name only. Beyond the frustration of Marcus not being able to do what they advertised ( open an joint account ), there are potential legal and tax ramifications. If I die, my husband would not be able to readily access money that he had full ownership of prior to us trying to open this account.
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| 04/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Goldman Sachs or Apple card decreased my credit limit to almost 1/3 of what it used to be. The information they are using to make this decision is not accurate. Legislators designed the CARD Act to protect consumers from unfair and abusive practices by credit card companies. The acts credit card safeguards fall under three broad areas : consumer protections, enhanced consumer disclosures and protections for young consumers. Under the CARD Act I should have been notified 45 days in advance that my credit limit would decrease additionally, I should have also received an adverse action letter about this. However that NEVER happened. I never received my adverse action letter or any form of notification that my credit limit was going to increase, This is discriminatory, and predatory because if they are notyfing others and not me that does not give me a fair deal or fair treatment. Additionally the information they are using to make the decision Is not accurate. The timing of when they made the decision leaves a lot of room for question because the transunion report they are receiving is not accurate. In fact my credit with XXXX is currently frozen b/c i am disputing fraud.
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| 11/28/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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This bank is being run by lying degenerates who can not do a single thing right.
I set up a wire transfer on XX/XX/XXXX with supervisor XXXX who assured me that it was expedited.
Called on XX/XX/XXXX as the wire transfer had still not gone through. Spoke to supervisor XXXX who said that XXXX did not expedite it. Then she goes on to put me on a XXXX hour hold and hangs up XXXX me.
Called again and this time got XXXX gain, the one who had set up the wire transfer. She insisted that she had expedited the wire transfer and that XXXX was lying. Then she said that the wire transfer has run into " some '' error and she is not sure what error and she will have to set up another wire transfer. When I asked her to file a complaint against XXXX who XXXX up on me after XXXX hours, XXXX also hung up on me.
Now I have XXXX wire transfers showing pending in my scheduled transactions and no one has any clue what is going on.
XX/XX/XXXX Outbound online wire to ************XXXX Track my transfer - {$25000.00} XXXX Time XX/XX/XXXX Outbound online wire to ************XXXX Track my transfer - {$25000.00} XXXX Time This bank is bein run by lying degenerates and incompetent idiots.
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| 08/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I have had ongoing issues with this company. First I had close to XXXX worth of fraud charges done in 8 separate transactions on my card XX/XX/20. I immediately called and had the card locked. In another complaint Ive issued they had done ever provisional credit incorrect and I had to call countless times to get them to fix. Finally those were put on my card. On XX/XX/20 I get an email stating Ive withdrawn one of the disputes in these fraud charges of {$190.00} and since I have withdrawn it would be in favor of merchant and it was put back on my card. I NEVER withdrew. I immediately called when receiving that email and they said of course I didnt they would issue the dispute again. They have not and it is still on my card. Payment is in 4 days and it will hit my perfect credit history. Attached is all of these transactions and the total about from this merchant. Adding all together and subtracting the XXXX they have taken out they have not given me back full correction adjustments. I have yet to receive a call back from their escalation team and complaint department that I was assured would be calling me because of how many things Ive had to go through and beg to fix.
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| 05/29/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I was a victim of ID theft on multiple accounts including what appears to be a loan from Goldman Sachs which I did not authorize, nor did I request. I have made numerous attempts including attempts made with representation to dispute this with Goldman Sachs. They claim that they have loan documentation and a recording of my voice authorizing the loan. As a result, they denied my request because they said I made a single payment, and verbally approved the request. We have asked now on multiple occasions for them to send us the signed loan documents which should be my right as a consumer and have requested the voice recording so that it can be reviewed. Two months later and numbers calls to Goldman Sachs with a minimum of 1 hour hold times, we have yet to receive the documents they are claiming prove that this fraudulent debt is mine. We have submitted what we feel to be sufficient information protesting this account and feel that Goldman Sachs is trying their hardest to not provide this information hoping that I go away and that they will not be responsible for the fraudulent debt they allowed to be opened in my name. The nest step will be the state 's attorney general.
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| 10/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I made a purchase on XX/XX/2021 buying XXXX tickets to a top golf event held at the football stadium. The event was on XX/XX/XXXX and I arrived and there were no directions or instructions on where to enter. Finally after circling the stadium 3 times, we found out there was no ground level entrance and it was hidden in the parking garage. Therefore, we arrived 5 minutes late for the event and they would not activate our golfing booth. We were not allowed to participate after paying for the event due to the lack of organization by the company. We paid for an hour, arrived only 5 minutes late and were not allowed to participate. The company refused to help and so I disputed the charge. The dispute was settled in the merchants favor with the reasoning sufficient evidence was provided that I made the purchase which proves they didnt read what I wrote as I never denied making the purchase, I made the purchase BUT was not given the product/service I paid for. I called the card company, told them this information and that I made the purchase but that they didnt provide the product/service. Again, they settled it in the merchants favor so now I am filing a complaint with you.
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| 12/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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|
Web |
Older American |
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With my MasterCard, issued by Goldman Sachs on Apple Pay, I applied for an installment loan to purchase an XXXX XXXX aluminum. But after a few weeks, I changed my mind, canceled the order, and purchased an XXXX XXXX steel outright, without a loan. Apple sent a refund for my loan as a credit on my account for the aluminum watch : XXXX XXXX Refund - Apple Pay,XX/XX/20 for + {$540.00}. And even though the aluminum watch was returned two MONTHS ago, I am still being billed monthly payments for this original loan amount, which has now whittled down to {$410.00}, as of XX/XX/XXXX.
Today I spoke to a Goldman Sachs rep who said that I CAN NOT pay off the {$410.00} on the original loan now/today, and that I MUST continue to make monthly payments from my credit card account over the course of a year, even though I have closed my account. THEY WILL NOT LET ME PAY OFF THE BALANCE of the loan in advance!
The problem is that I ALSO have two credits from two refunds on the revolving credit part of my card, and these two refunds total + {$620.00} on my statement as of XX/XX/XXXX, and I can not receive any of the + {$620.00} UNTIL the YEARS installment loan payments have finished.
|
| 10/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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Web |
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Applied for Apple Credit Card ( Goldman Sachs ) ... was told 2 days later my identity couldn't be verified. Customer support instructed me to re-submit application and make sure info was correct. I did so and the application was under review for over 2 weeks. I reached out to card support once again and was told application was being reviewed.
That same day ( XX/XX/2019 ) I was approved for account with {$6000.00} limit at 23.79 % interest.
Today ( XX/XX/2019 ) my account was closed by Goldman Sachs.
I reached out to card support and they could not give me reason why account was closed. They stated that in my card agreement they reserve the right to close my account at any time.
Accepting the offer caused a hard inquiry on my credit report. Closing the account has affected my average age of accounts, both negatively affecting my credit score.
I have worked very hard to build my credit score up to XXXX. This is unacceptable to me.
I have limited credit account history so age of accounts is an important factor. I also have a perfect payment history on all credit accounts and often pay balance in full monthly, and always pay more than minimum payment.
Thank you
|
| 11/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Apple Card disputes not being correctly handled.
- Made disputes on card in XXXX reference a payment to XXXX. Was found in my favor XX/XX/XXXX. As per Apple Card request changed card number etc. XXXX charges were denied as using wrong card number. Then as of XXXX Apple Card has been paying the same transactions they denied previously and no one at customer support will help.
- also Disputed payment to online retailer who failed to deliver item. Got no response from merchant when tried to get refund as item hadnt arrived. Item wasnt shipped as per the retailers own system for tracking shipments, so simple dispute. Heard nothing from company raised dispute with Apple Card weeks later. No update. No credit to my account. No communication at all. Been months of being stonewalled by Apple Card.
No communication from dispute department. They dont seem to make refunds for amounts found in favor. Rather they remove the disputed amount from clients available balance - then charge it back if found in favor. This means were paying apple for the disputed amount won in the consumers favor. Customer service admitted this was the case but stated no one ever complains about it.
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| 06/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
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I have an Apple Card Goldman Sachs card and have never had issues up until recently. In XX/XX/2023, Goldman Sachs/Apple Card restricted my account without any explanation or reason. When I contacted them I informed them that I was a victim of fraud in mid XX/XX/2023 where someone got a hold of my social security number, Apple Card number, XXXX XXXX bank account number and other personal information. The fraudster tried to open a XXXX XXXX XXXXXXXX checking account but was unable to and XXXX informed me of this XX/XX/2023. I subsequently filed a fraud alert with all three credit report agencies, XXXX, XXXX, XXXX and XXXX. I also filed a police report on XX/XX/2023 and provided them with this information and the police number. I have contacted them on numerous occasions and have been told that my account would be unrestricted within a few days but it has no been nearly a mont since its been restricted. I am not given any explanation as to why, or a time frame. I am told I can also not call this department and that they only make outbound calls. This is incredibly frustrating as I have had the AppleCard for years and have never had issues. Please help me resolve this.
|
| 02/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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I've tried several times to transfer money from my Marcus Savings account to my external bank account which are both in my name. When attempting the transfer via the Marcus app, I get a message saying that I need to call Marcus Goldman Sachs to do the trfr. When I call I'm told someone from another dept will return my call. They never call back. I called again they asked for an alternative number to reach me I gave ( XXXX ) XXXX They did not call that number. I was told by the Marcus rep that the number they called was a number with an area code ( XXXX ) it appears they are calling random numbers not associated with me. I don't have a number with a ( XXXX ) area code. I hope Marcus is not calling random numbers asking for me or discussing my account when they call random telephone numbers. The area code they called is in another state. I live in XXXX They also said my ( XXXX ) XXXX XXXX was not a number in my name which it has been in my name for almost 15yrs. I'm not sure what type of hold they have on my account or why but it is not allowing me to access my funds. At this point I want to close the account. Additionally I can't access the statements on my account.
|
| 10/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
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|
Web |
Older American |
|
Goldman Sachs/Marcus credit card XXXX On my XXXX statement, my interest rate was XXXX XXXX.
My balance was roughly {$4000.00}. In the following months, my rate went as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My complaint is this. If you change the rate on someone, it should be the rate on new charges only, not on existing balances. When I as a consumer charge a transaction, I am agreeing to the current rate on my card. Doing otherwise is unlawful.
Secondly, the person in customer service doesn't offer any phone number, email address, or mailing address to get hep on a complaint. She only gave me the po box shown on a the billing statement. When I XXXX the complaint number, it was a disconnected number.
Lastly, I requested bills be sent by mail when Goldman Sachs took over this XXXX card ( 6 months ago? ), and I have a record of them being sent to me. This past month they billed me online without authorization, and sent me a notice that I was behind in a payment. I called to make a {$1000.00}. payment the minute I got the email. The customer service person acknowledged I was correct. I was still charged a late fee.
.
|
| 08/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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I initiated a dispute on or about XX/XX/2023 after having been overcharged by a merchant for a transaction taking place XX/XX/2023.
Goldman Sachs closed the dispute in the merchants favor and stated that I could be mailed evidence on behalf of the Merchant which had been shared with Goldman Sachs.
I reopened the dispute and waited to receive the merchant 's evidence ( mailed by Goldman Sachs ). I received the merchant 's evidence which effectively proved my case, as the Merchant 's evidence showed a very different subtotal than the subtotal which was presented to me, the customer ( I had shared an image of the original receipt with Goldman Sachs at the start of the dispute process ).
Despite clear evidence that the merchant improperly inflated the subtotal of the transaction during its final processing, Goldman Sachs closed the dispute once again in the merchant 's favor. I have since reopened the dispute for a third time ( on XX/XX/2023 ), after having notified Goldman Sachs that I would file both FTC and CFPB complaints due to their failure to correctly uphold the dispute in my favor after having been shown conclusive evidence of the merchant 's treachery.
|
| 07/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
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I signed up for XXXX credit card, first month bill was XXXX XXXX On XX/XX/2022 I did setup Autopay and on the same day I also paid Previous month balance manually. Again on XX/XX/XXXX same money XXXX $ was withdrawn from my bank, probably by autopay. Since payment was done twice, I was expecting it to be settled in next month statement. Next month and subsequent following months since XX/XX/2022 did not settle any money that was taken twice from my account, rather just received monthly balances in those months that I have been paying within due dates. I reported dispute with XXXXGoldman Sachs customer care via chat -phone on XXXX XXXX, XXXX They assured to resolve dispute and issue refund, initially I was told within 30 days and later they told it takes 90 days. I have all communications on my phone.
My bank was charged twice for the payment in XXXX for the amount of XXXX on XXXX XXXX ( I paid one time ) then on XX/XX/XXXX or so by auto payI dont see that amount XXXX paid extra adjusted in following months statementsso filed dispute on XXXX XXXX Im yet to get back my money and today Apple/GS customer care executive on chat is saying resolution was done on XXXX.
|
| 01/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I have been charged from the same merchant every month a transaction for XXXX. The first transaction was on XX/XX/2021. I reach out to Goldman Sachs and they suggested contacting the merchant, which I did, with no answer.
They proceeded to initiate a dispute and suggested obtaining a new credit card number, something I did. The next month I received the same non-authorized charge even though I changed my card number ( and, obviously did not provide it to the fraudulent merchant ) and explicitly told the bank I did not authorize any charge from that business. I had to file a new dispute and change my card number again. Ever since I receive the same fraudulent card from the same business, I have reached out to Goldman Sachs every time that this happens, but they haven't been able or willing to solve my issue. The last time I contacted them was on XX/XX/2021, the customer service representative was extremely rude, and did not address the issue. Today, I received another unauthorized charge, been this month the 10th time I received a non-authorized charge from the same business, after following the bank instructions, including changing my card number multiple times.
|
| 08/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
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My name is XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). I charged {$1400.00} to a Goldman Sachs Apple Card on XX/XX/XXXX in payment of six months of auto insurance premiums to XXXX. I canceled the policy at least 24 hours before it took affect XXXX because a much better offer came out of nowhere from another company. XXXX actually should never have charged me, but it did. This has been going on for over two months. XXXX claims to have returned the money to Goldman Sachs Bank or reversed the charges. Goldman Sachs Bank refuses to credit my account. I have been in touch with them numerous times by phone and through text support. I have all of those text records or all that my phone saves. Still, no money. GSs provisional credit is no credit at all. The Banks employees are masters of runaround and deceit. Im trying to get retired, but because of the pandemic my congregation and I agreed it would be better for all if I delayed my retirement. Had I been retired, {$1400.00} would be about 40 % of my monthly income. Suddenly Id have become one of those senior adults wondering how to pay rent. I dont know if this is an effort to scam a senior or just run of the mill thievery.
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| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to by my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
|
| 07/13/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
On XX/XX/2022 I submitted a withdrawl request of {$200000.00} from my savings account with Marcus Goldman Sachs, with more than ample funds and ask that amount to be sent to my XXXX bank checking account. I gave all the XXXX information they needed to do that. I explained that this money was for a home in escrow and these funds are time senceitive. I called probably 15 times put on as many as 8 holds and Marcus Goldman Sachs never gave me a reason why they would not release the money for transfer. I spoke to supervisors and no information was given just they need several more days, and then you call again and the same answer more days to review. They put a hold on my online Marcus Account and I was unable to access the accout. I called XXXX and told them that I had sent my problem to you and that I was recordding the line. They unlocked my on line account and I had to place a new withdrawl for funds. I am hoping that this withdrawl goes through but I don't trust them. I will withdraw the rest of my savings and 3 CD 's after I receive the requested funds. Please review and help me find a way to do this without going through the above once again.
XXXX XXXX XXXX
|
| 02/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
|
This morning, XX/XX/2023, I received an email from Marcus by Goldman Sachs, that my GM business card account has been closed. I did not ask for the account to be closed, and to my knowledge, I did not violate any terms of the card account or rewards program. So I called them to ask why my account was closed because the email they sent me gave no reason. They did not provide me with a reason. They said they would investigate the account closure and get back to me. Six hours later I read an email from them saying that the account was closed properly, again without explanation why. So I called again and asked for further information. They would not give me a reason why. I have accumulated over {$17000.00} of rewards that are good towards the purchase of a GM vehicle. Now, with the account closed by them, it looks as though all my accumulated, unused rewards are forfeited. I had no plans or intentions of redeeming those rewards within the next few months. I don't understand why my account was closed, and they would not provide me with a reason why it was closed... neither by email nor in the phone conversations I had with about six or seven different people there.
|
| 05/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I utilized a 0 % offer from Apple to purchase my son a laptop for college. The installment plan was managed by Goldman Sachs through Apple Card. The transaction confirmation and receipt was sent to the email address I requested to use for this purchase ( at purchase, they asked for an email address ). But the bill was sent to an email address I don't use ( an old email address I used when signing up with Apple/Apple ID. ) I did not receive the bill for several months. Once I found out about it, I immediately made the account current.
-- Goldman Sachs, through Apple Card, reported a missed payment to the credit bureaus despite the fact that they did not properly send the bill to me.
-- Once paid, it took 3 months for Goldman Sachs to report to the credit bureaus that the payment had been made.
-- My credit score plummeted 80 points as a result of this. It has not recovered.
-- I attempted to resolve it through a dispute with the credit reporting agency and by contacting Goldman directly. Goldman refuses to resolve it.
-- In sum, Goldman makes errors with impunity ( 3 months to report payment ), while I am penalized for not paying a bill I did not receive.
|
| 07/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
My credit card account was sold from XXXX XXXX to Goldman Sachs. After the transfer, my auto payment had to be set up with the new company. I attempted to do this on their website multiple times, and got a confirmation page each time and in the meantime began to receive notices that my payment was past due. They have reported two payments in XX/XX/2022 showing a delinquency of more than 30 days. I asked them to remove them due to a system error that caused my payment to be late and they said they would not. Prior to XX/XX/2022, there has never been a late payment on this card and I have held it for over six years.
Additionally, their system is unreliable. On XX/XX/2022, I was unable to access my account on their website, app, or by phone. My XXXX payment was due on the XXXX and there was no possible way for me to pay it. I paid it on the XXXX when I was able to and they canceled that payment without reason and applied a {$29.00} late fee to my account. On the XXXX, I phoned them to correct the payment and late fee and they declined to do either.
This company is run poorly, behaving unethically, and offering no resolution to the problems they are creating.
|
| 03/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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|
A delinquent notice was put on my credit report from this company saying for {$20000.00}. I never did make a contract or apply for this loan. I'm tried to talk to the company. They said everything for applying was all electronic and they have no proof that I took out a loan with them except for some of my information which anybody could obtain and use they have no physical proof. I believe someone fraudulently used my information to take a loan from this company.They said they sent it to a bank account I do not have. They asked me to file a complaint so they could investigate.
The account is with Marcus by Goldman Sachs Bank and was sent to XXXX XXXX for collection. They only gave me last four digits of account number XXXX. I have called and asked for verification and documentation showing that I took out a loan from them and they can not provided because everything was done electronically. They claim the loan was issued in XX/XX/2018. Which I was in XXXX at the time. I have not made a contract or signed an agreement to take out a loan or account with this company. I would please like it removed from my credit report and deleted as fraudulent or inaccurate.
|
| 06/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
We are in the process of buying a house. And we need to send the earnest money to the title company by a certain day ( XXXX XX/XX/2023 ). On that day, we called Goldman Sachs and asked to do a wire transfer. Their website says ACH may take 1-3 days. But if you are in a hurry, you can do a wire transfer which can be processed by XXXX ET on the same day. The next day when we checked the status of the wire transfer, we found out it had been put in a queue. And we were told itd take 1-3 business days for this to go through. It was already past our deadline. We could lose the house because of this. We made multiple calls to try to get to the bottom of this. We were told it had been expedited and they wouldnt tell us when the transaction would go through. They still gave us the 1-3 business day line. We tried to talk to two of their managers ( XXXX and XXXX ) who were both extremely rude and arrogant. XXXX even hang up on us. If you dont do what you advertise on our website, then whats the point? As a company, you lost all the credibility with us. Well move our business elsewhere. By the way, theres a case number on this, XXXX. I dont trust them to keep it though.
|
| 06/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
In XX/XX/XXXX I purchased XXXX XXXX from XXXX. In the ad it says " 0 % '' interest for 24 months. Received my first statement and there were charges on the account that were not mine. Eventually they were removed but interest was being charged. I called Goldman Sachs many many times, no one had a clue as to why. Was finally told that interest was being charged on the sales tax. I was never told that and it clearly states in the purchase that it would be 24 months 0 % interest. There are XXXX different amounts on each statement, which I was told by apple and goldman sachs that one was for the sales tax and the other towards the phones. There has been XXXX payments since I started and not only am I still paying interest but the balance due is more than it should be. I have written to XXXX XXXX XXXX XXXX XXXX at XXXX back XXXX XX/XX/XXXX and heard from someone at her office but she had no clue what was going on. I wrote again XXXX XXXX to XXXX XXXX and explained in detail about payments, interest etc, but as of this date, XX/XX/XXXX I have heard nothing. I think its fraudulent to advertise something that they do not do. Plus to have to owe more than should be.
|
| 08/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
i purchased a mini XXXX XX/XX/XXXX from XXXX XXXX. when the jeep arrived it was severely damaged and not usable at all. i reached out to the company many times to try to get the item either returned or replaced and the company did not want to do anything at all to help me. the jeep was {$2800.00}, and the company offered me {$100.00} to fix {$2800.00} worth of damaged. they did not want to take any responsibility whatsoever. That is when i opened a case with Goldsman Sachs to fully dispute the charge against me since i did not receive the product i ordered and instead got damaged goods. I provided all the emails that i had with Venom to the credit card company, i provided all the damages pictures i gave Goldsman Sachs every information that i had. i was thinking that it would be an absolute no brainer for Sachs to make the correct decision biased on all the evidence i provided. to my surprise Sachs declined my dispute and sided with the vendor. i later got a letter from Sachs explaining why they decided how they decided and to my surprise they did not look at any information that i provided them. they fully ignored all my evidence and sided with the Venom.
|
| 05/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
Goldman Sachs, Apple Card restricted my account usage, after speaking and confirming the charges were mine they removed the restrictions. After they removed the restriction I made a payment to be able to use the card again. Right after I made a payment, they restricted my account again. I called customer service and asked them why they did it the second time. I was told that they needed a TAX FORM 4506 T to be signed by me so they could review and remove the hold off the account. Since the account was restricted I asked for the payment to be cancelled so I could make a minimum payment. CC assured me that the payment was disputed and that I would get a check back shortly. I signed the for and sent it back to them but my account was under review permanently, so I asked for the payment, and each time I was lied to that the payment will be refunded shortly, another agent told me that it will not be refunded till after the review was completed. So every time I called I got a different answer at all the levels possible that I could speak to.
The customer service is not relevant and one can never get an answer from them, just stories made up to their discretion.
|
| 03/10/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Marcus by Goldman Sachs had a special offer in early 2023 : " Get a {$100.00} Cash Bonus when you deposit {$10000.00} in new funds to a Marcus Online Savings Account. '' The requirement was to enroll in the promotion, deposit {$10000.00} in new funds within 10 days, and then maintain those funds plus the existing balance for 90 days after the 10-day funding period.
I enrolled in the promotion on XX/XX/XXXX and received a confirmation email from Marcus. The promotion was correctly noted on my online banking account. I deposited {$10000.00} on XX/XX/XXXX to meet the terms of the promotion.
On XX/XX/XXXX, I notice that the promotion had disappeared, so I called Marcus. The representative said that she fixed the issue and gave me a case number. The online banking portal appeared to say that I had been re-enrolled in the promotion on a date in XXXX.
On XX/XX/XXXX, I noticed that the promotion had disappeared from my online banking. I wrote in via chat. The representative confirmed that I was enrolled in the promotion on XX/XX/XXXX, and that I deposited funds on XX/XX/XXXX, but said that I was not properly enrolled and could not discuss further via chat.
|
| 09/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I was a cardholder with XXXX Rewards through XXXX XXXX. Marcus by Goldman Sachs bought the XXXX XXXX credit cardholders balances sometime in early XXXX. During the transition they removed all autopay information therefore causing a late fee to be charged on my account. When I called and requested a payoff on XX/XX/XXXX which they quoted me was {$4200.00} which I paid and the late fee was waived. The representative misstated the payoff and a per diem interest charge of {$47.00} remained. When they charged me another {$40.00} late fee I contacted them in XXXX where this discrepancy was discovered. Since then they have refused to waive that late fee and have now charged an additional {$80.00} in late fees. After 5 attempts to resolve their error I was forced to pay {$170.00} which included {$120.00} which is almost 3X the amount owed comprised of ALL FEES AND INTEREST. They have behaved in a completely predatory fashion and I'm certain their are many more unsuspecting consumers who simply don't understand and can not afford to pay these egregious fees and interest charges and may be adversely impacting them financially and possibly with their credit scores.
|
| 01/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX a {$4000.00} check was mailed to Goldman Sachs XXXX. The financial institution confirmed it cleared on XX/XX/XXXX. On XX/XX/XXXX the payment was reversed which lead to my first phone call. For the next couple of months I called at least 1x a week because the funds were not applied to my account NOR sent back to me. Multiple times I was told someone would get back to me that week and NEVER did. On XX/XX/XXXX I received an email that an error was had on their side and my check had been applied. I confirmed via phone that they would correct anything reported to the credit union as late during that time. They confirmed there were no late payments because they lost my check so I did not have my {$4000.00} nor was it applied. My credit report has not been updated to reflect their error.
On XX/XX/XXXX they responded to another complaint saying, " The Bank removed the past due reporting for XX/XX/XXXX, and confirms the account is now reporting correctly with no negative marks, the account is closed, and the account has a {$0.00} balance. '' My credit report from this company still reflects 60 days late in XXXX. Their response was not accurate.
|
| 08/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I'm and writing this just after talking with Goldman Sacs about my apple card. ( Date XX/XX/2021 ).
So I was down in XXXX for a business trip back in XXXX. I used my apple wallet to pay for a few things totaling no more than {$140.00}. Every time I use my apple wallet it pulls from my apple cash first and then if I don't have any apple cash it will pull from my checking account ending in XXXX.
Well this time it randomly decided to pull from my apple card instead of my apple pay.
After making the purchases I never thought about them again! Especially because I have every single bank account on autopay ( not that it would matter for this account because it should of pulled from my checking ).
Almost 2 months later I sign into my XXXX account to track my credit score I saw I had 1 account ever late. I freaked out because I take my payment history and credit very seriously ( I have never in my life missed or came close to missing a payment ).
I never got 1 notification that I had a payment due or that I was even late.
It's crazy because you can clearly see I have barely used the card besides a handful of transactions when I first got the card.
|
| 11/13/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I applied in XX/XX/XXXX for an Apple Card, advertised as " A new kind of credit card. Created by Apple, not a bank ''. I never received an email confirming that I could not receive an Apple Card. My credit reports has notes on the negative accounts that should have been considered positively. I can not understand with artificial intelligence how algorithms advertise Apple products to me and my Cell Phone carrier since XXXX, offers me CREDIT to purchase any new smart device including Apple devices through it's lender, but APPLE has received revenue from me directly since XXXX for my XXXX XXXX and XXXX and third party for 2 of the 3 XXXX that I own have purchased, and I couldn't get a line of credit for even its cheapest accessory - XXXX XXXX.
I just requested my credit report and received it last week and am requesting updates, edits and investigations. I applied for the card to grow my small business by adding helpful accessories to help me run my business and was denied and was not given correspondence to remedy or follow -up. All in the light of Apple and its lender discriminating against women. I am a women small business owner and minority.
|
| 09/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I had 2 accounts with Goldman Sacs when the pandemic happened. After non-payment for a few months, I was contacted by Goldman Sacs with a procedure to get the accounts current. After the first loan was updated, the Goldman Sacs representative stated that they could update the other account also. So, on XX/XX/2020 I made a payment of {$250.00} to both accounts. This was supposed to bring both accounts current. The following month I received a call from their collection department for payment on the 2nd account. I was informed that they could only update one account and the second account was still past due. Until the pandemic, all payments were made on both accounts in a timely manner. Now I was skeptical because of their questionable practices. They turned me over to a collection agency who wanted me to pay them {$4000.00} to set up a payment plan. I did not have that much money to do that at the time. They garnished my checking account and my college son 's account as I am a signer on his account because we opened it when he was underage. I have made an arrangement with the collection agency but I just want to report their questionable practices.
|
| 07/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I had received the alert from my XXXX Credit Report. about the over usage on one of my credit cards for APPLE CARD/GS BANK USA XXXX When I checked, it says that, " Your APPLE CARD/GS BANK USA acount 's Credit Usage significantly increased to 102.0 % with the Credti Card Limit of {$1000.00}. Also, the same account also has the Address Changed information. I was under impression that someone opened up the Credit Card on APPLE CARD/GS BANK USA and later on changed the address. Hence, I called the APPLE CARD/GS BANK USA and XXXX to report the same issue since this Account doesn't belong to my name and I also have't changed my address recently.. The Customer Representative from APPLE CARD/GS BANK USA couldn't find this account under my name but he was further going to investigate about this matter and send out information to XXXX. I was also told by XXXX XXXX Representative to file a complain on Consumer Financial Protection Bureau. Hence, I am filing the same to resolve this matter. It has affected my XXXX Credit Score very badly. Please take the appropriate action in order to resolve this matter and get the resolution as soon as you can. Thank you!!
|
| 07/03/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Today I attempted to withdraw some of my money from my Goldman Sachs account. My attempt was to return the money to the same banking institution, XXXXXXXX XXXX XXXX XXXXXXXX, Indiana, which was the source of where these funds originated from earlier this calendar year. My online attempts using the website portal appeared to go through as normal. However, when contacting the bank on a separate matter, I am now being told that my account is locked? The rationale was to verify a deposit made in XXXX of this year? I do not believe any attempts were made to reach me with respect to activity which happened six months ago. I have received no emails. I have received no phone calls. I have been able to successfully deposit more money into my Goldman Sachs account since XXXX without issue. Ironically, the day in which I attempt to withdraw money, I am now being told this. My money is effectively being held hostage. I simply want the money in my account to be withdrawn in its entirety and returned to me. If this can not be done electronically, I will accept a paper check, mailed to me using US mail to my address on file : XXXX XXXX XXXX XXXX, XXXX, IN XXXX.
|
| 06/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I have XXXX products and so I am " locked '' into the ecosystem. Among the products I have is an XXXX Credit Card.
Using this card allows you to purchase XXXX goods and services along with the advantage that you can have a payment plan posted to the Apple card ( where as if you used a different card, the entire amount is charged at once ) and it is this that make having the card attractive.
However, there is a trap where the APR rates are NEVER lowered once you have the card.
Over time, I have made on time payments and my credit score has improved. I was able to successfully contact other credit card companies and was able to get my APR lowered.
XXXX, however will refuse to lower your APR at all and a XXXX search shows many people are told the same.
I believe XXXX is being unfair and artificially keeping APR rates high despite credit score improvements and as stated earlier, if you drop using the Apple card, you can no longer place XXXX items on a payment plan ( for instance when purchasing high cost items like phones/ computers ) effectively locking you in because you can seldom purchase a computer on another card due to credit limits.
|
| 06/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I have an XXXX credit card. Months ago I was advised that I was being charged from a gym every month and I tried to stop my account with them but they keep charging me. I disputed the charges and XXXX said charges are legit and the only way to stop the gym from using my card is to replace my card with a new card number, which I did. This month I was charged again. I advised XXXX credit card about that and asked them how can a company still use my credit card to charge me when they dont have the new card number. They couldnt explain how and said via text message that somehow the gym got my new card number, which only I know and I have absolutely not provided to them as thats the whole reason why I changed my card number, per XXXX credit card advise. At this point they are telling me they can not help me and refuse to refund the money and to block any further unauthorized companies to charge my credit card, or to explain how it is possible for a company to charge my card without anyone providing them with my account card number. XXXX is at fault here for not protecting my account and my personal information and also refusing to refund the charges.
|
| 02/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
XX/XX/XXXX Placed a order for XXXX shoes on line from XXXX but the transaction was suspicious after not being able to contact the seller and then the payment was made to XXXX to a XXXX XXXX not a business.
XX/XX/XXXX Email from XXXX showing package shipped to my address XX/XX/XXXX XXXX XXXX with apple card support and advised.
XX/XX/XXXX email from XXXX saying the package was delivered to XXXX XXXX. I went to the XXXX XXXX post office and was given a signed copy of the shipping instructions that shows a different address than my address and the correct address the seller verified. I have given the Apple card associates this information many times and each time it keeps getting put back on dispute without the charge on my card until today.
XX/XX/XXXX Requested a supervisor to have the charge taken off because I sent in documentation a package was sent to a different address. The Apple XXXX at XXXX XXXX said the charge was going back on my card even though I sent in the above showing the package was sent to another address and I had to pay it on the due date or be delinquent. I advised didn't seem right to pay for something I didn't receive.
|
| 06/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Charged twice for the same monthly payment. Contacted Apple Card/Goldman Sachs support and spent over an hour with them, chatting and on the phone. Explained to them that I only authorized one monthly payment, not two. They stated they can not do anything because the payment was already authorized with my bank and that I would have to contact my bank.
When I checked with my bank, they stated the merchant ( Apple Card/Goldman Sachs ) had not yet completed the transaction. This objectively different from the information received from Apple/Goldman . I then relayed this information back to them Apple/Goldman and was put on hold. They came back and stated that they recognize that an error had taken place where they charged two payments and that both payments had not yet been finalized. However, they stated couldn't reverse the charges and could only file an inquiry. They stated I would have to wait 10 days for a result, despite them acknowledging and admitting that Apple/Goldman had made an error. When I inquired what exactly they needed to inquire when they already verified that they had made a mistake, they stated I would have to wait 10 days.
|
| 02/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On XX/XX/2022 I applied for the XXXX XXXX XXXX. I received a message that they were unable to verify my identity. The email said to call customer Service. I called and explained that I am an existing XXXX customer with an investment account. The rep said she could see that I was a customer in good standing. I was told to try the application again. I got the same message that XXXX could not verify my identity. I was told that I would get a call in 1 to 3 days from someone in their back office. I waited 4 days and did not get a call or email. I called back to customer service on XX/XX/2022. I was told to reapply and wait 1 to 3 days for a call back. They said the issue is not my credit. The problem is they can not verify me. This is insane. In order to have the XXXX XXXX account they had to verify my identity. The US Patriot Act required that. Obviously, they are not following the US Patriot Act. If they were then they would have verified my identity when they opened the Investment account and would not be having this issue now. I want to know what the issue is? If they can't verify my identity then there must be an issue that I need to address.
|
| 10/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
I am writing to file a formal complaint regarding inaccessible funds with my Apple Credit Card account On XX/XX/23, I transferred {$9400.00} from my Apple Credit Card account. However, while this amount has been withdrawn from my account, it is not accessible to me. When I attempt to use my Apple Credit Card for purchases, the balance shows only {$4.00} available credit.
I have attempted to resolve this issue through customer service requests [ explain attempts, dates, who you spoke with ]. Unfortunately, the problem has not been resolved and I remain unable to access the {$9400.00} I withdrew from my account.
This situation is unacceptable and has prevented me from being able to make essential purchases. I rely on access to the credit I have been granted by your institution.
Please advise me immediately regarding what steps you will take to restore my access to the withdrawn {$9400.00} funds, so I can make necessary payments. If this issue is not resolved within 5 business days, I will escalate my complaint to the Consumer Financial Protection Bureau and consider legal remedies.
Thank you for your prompt attention to this urgent matter.
|
| 02/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In XX/XX/2021 I made a mistake by sending a balance transfer payment to Apple card from XXXX. I called Apple regarding the situation and they told me that they could do a payment dispute which would send the money back to XXXX which is what I wanted. The transaction was reversed on XX/XX/2021 but the funds were never credited back to XXXX. After 2 payments disputes to figure out where the money went and me calling several times, I finally got a resolution but the one I wanted. Apple card supposedly sent the funds to an account that did not belong to me which I don't know how that was possible. After two months and several calls with managers and complaints, Apple card sent me a cashier 's check for {$2000.00} on XX/XX/2021. Because they sent me a check instead of crediting XXXX, XXXX was not able to reverse my {$78.00} transfer fee. I have called many times of this issue and no one at Apple card takes responsibility and I can not hold anyone accountable. It should have never taken 2 months or a payment dispute to have my money refunded. I have asked for someone with authority to call me regarding the issue and not once have I received a call.
|
| 02/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX APPLE ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by APPLE On XXXX applied for The Apple Card. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M XXXX. XXXX2 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. Apple should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
BEST, XXXX, XXXX L Without prejudice, all natural inalienable rights reserved.
|
| 07/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Hello, I got a personal loan from XXXX on XX/XX/2020. The loan amount was {$30000.00}. However, they did not credit me {$6000.00} into my account. They asked me to credit this money to one of my existing account. The Goldman Sachs account was over there and I thought it was related to my car loan account XXXX XXXX XXXX XXXX. But it was not. I gave my car loan account number and the money did not go there. I contacted the XXXX and Goldman Sachs couple of times with phone and e-mail. They promised me but they did not solve my problem. I am still paying XXXX {$1000.00} dollars every month with automatic payments. However, I could not get my {$6000.00} dollars from either company. Could you please help me with this issue?
Recently, I submitted a complaint against XXXXXXXX XXXX through this website. They responded my complaint but they did not solve my problem. Instead, they wanted me to contact Markus by Goldman Sachs directly to refund my money into my account. Apparently, my money was cashed out with another account ( which is not mine ) at Markus by Goldman Sachs. I am attaching XXXX 's response to this complaint.
Sincerely, XXXX XXXX XXXX
|
| 09/14/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Have contacted Marcus by Goldman Sachs multiple times using their information XXXX.
Contacted them multiple times in XXXX and XXXX of this year, letting them know that i needed to update information, even provided account number etc only to be told that they couldn't not pull up anything and instead put me on hold for over 20 mins and then transferred me another person only to be told my account was being closed.
Was given no warning or notice of any kind and they had my personal cell # on file along with business phone #. Also received a letter about a change of address that I do not recall making.
Asked if they could verify the other account that it was linked to and they claimed they couldn't verify that despite me letting them know what bank they should have had on file.
Was told that the money would be sent back to the original account with in 7-10 days after closing. They did not give me a timeframe/date as to when the account would be closed or when I could expect any of my money returned to other account.
Did provide them with a physical address during last call, ( California address ) to send any documentation /letters to.
|
| 08/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On XXXX XX/XX/2022, I filed a chargeback on my Goldman Sachs XXXX XXXX credit card against the merchant XXXX XXXX XXXX. Within a few days I supplied documentation to Goldman Sachs XXXX XXXX credit card demonstrating that the merchants did not honor the terms of our agreement which I paid for, i.e. to secure a private business loan for my company in the amount of $ XXXX.
In the past whenever I have filed a chargeback with any other of my credit card issuers and everyone I know personally who has had to do the same, I was provided a provisional credit in the exact amount of the chargeback and the merchant had 30 days to respond prior to the investigation being closed in my favor.
XXXX with Goldman Sachs XXXX XXXX credit card I am told that the investigation may take up to 90 days during which time I can not use my credit card. In fact the card in question has a positive balance of {$1100.00} owed to me in excess of credit limit, none of which am I able to utilize. This aberrant customer service policy on the part of Goldman Sachs XXXX XXXX credit card is an opportunity cost and punitive decision harming me due to the merchant 's foul play.
|
| 03/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
During the month of XX/XX/XXXX I signed up for XXXX Try then Buy program which allows users to try on a product for free and return it if they choose not to purchase it. I ordered a pair of XXXX glasses and returned them to a XXXX store because I didnt like the style. 3 months later XXXX charged me because they said they never received the glasses. This was a lie because I 100 % did return them, so I contacted my credit card company ( Apple Goldman Sachs ) and filed a dispute with XXXX. My credit card company told me that I lost the dispute and I would be charged for the full amount of the glasses. I took the loss and paid because there was nothing more I could due. Flash forward to XX/XX/XXXX, I receive an email from XXXX stating they actually sent the money back to my credit card provider and accepted the chargeback. The XXXX representative informed me that my credit card double dipped because they received the refund from XXXX AND charged me as well. I have tried contacting my credit card company but they do not respond. I have email proof from XXXX XXXX XXXX with order ID # and refund ID # s proving they refunded my credit card company
|
| 12/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
I was recently called by a person impersonating an employee from the fraud department at Goldman Sachs Bank. The number they called from was ( XXXX ) XXXX. They convinced me that there were multiple large charges on my Apple CC and sent me a link to change my password, which I stupidly did. They put me on a long hold at which time I began to suspect it was phishing. I immediately hung up and called Apple support. My credit card was deactivated, but Apple refused to help me recover my AppleID even though they could clearly see that my recovery information had just been changed. They wouldnt even lock the AppleID so that the person committing fraud would be stopped from accessing all of my bank info, saved passwords, and online accounts. Im sure Im not the only person that has been scammed by whomever the XXXX phone number belongs to. The biggest lesson I learned is that no matter how many years you have used Apple nor how much money youve spent with them matter. They were more interested in protecting the scammers rights to my account than in helping me. The did send me a link to educate me about phishinga little late for it to be of any help
|
| 09/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I opened the dispute XX/XX/XXXX for the second time for the below amount.
Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX XXXX XXXX XXXX : {$1600.00} Temporary credit : {$1600.00} I provided several emails with proof of why the amount needs to be returned to me.
I provided my proof on several dates- I emailed the company on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I called several times and texted the credit cards help desk.
XX/XX/XXXX - I was unable to reach anyone in the dispute department.
XX/XX/XXXX XX/XX/XXXX I also disputed the amount below for the same reasons above. The credit card company has not resolved this in a timely manner. They applied the disputed interest and credit to my balance until the issue is resolved but I am unable to use the applied credit. Its discrimination.
Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX XXXX XXXX XXXX : {$1400.00} Temporary credit : {$1400.00} Apple support at Goldman Sachs has XXXX to resolve either dispute in a timely manner. I provided several emails of proof tans evidence to support my case.
|
| 06/02/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I had someone steal my Apple ID on XX/XX/XXXX and I have {$500.00} in Apple Cash and {$3500.00} Im my Goldman Sachs Savings Account and I have been calling and talking to various people everyday there to try and get my money. I keep being told that my account is under review. No one will tell me what that means and why its under review since this savings account has nothing to do with my Apple ID like Apple Cash does. Finally yesterday after being transferred to several people, I was promised that someone from corporate would call me by the end of the day but possibly within the hour and I still never heard from anyone.
I also have no way to even get into my savings account. They all seem to be so secretive for some reason. Seems fishy to me and I thought they were a huge bank.
The funny thing about all of this is that someone cloned their phone number and called me from a number that shows up as their number and even says Goldman Sachs and that is how I got scammed and got my Apple ID stolen in the first place. Goldman Sachs is well aware of the problem about their phone number being cloned as they are the ones that told me about this.
|
| 10/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I was alerted to possible fraud on my account by Goldman Sachs ( XXXX XXXX ). I immediately checked the transaction. The bank had flagged the two subsequent ones and declined them but the first one went through. I called them and notified it was fraud. My account number was changed and then days later I saw a temporary credit for the amount. It was {$2500.00}. A few days later I receive two emails. The first one saying that they ruled in favor of the merchant ( the merchant is in the XXXX, I live in Florida ) and that I would be responsible for the charges. The second email stated my account was closed! The entire account was closed. I called them to ask what was going on. They said because my account was closed they could not help me. They were extremely unhelpful. I explained that this was clearly fraud, the merchant had tried to charge my card after the initial charge and it was declined, and then another fraudulent charge was also declined. I had immediately contacted them. They could not provide me with any documentation why they ruled in favor of the merchant and why they closed my account. I am enclosing copies of everything I have.
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Goldman Sachs Apple credit card reported I had a late payment on XX/XX/2022. I called the creditors and they wont fix it or help me anyway. I talked to different people and they never help me with this. I just want them to report it as PAANL ( Paid as agreed, never late ). 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
|
| 02/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have informed apple credit card that XXXX XXXX XXXX charged {$960.00}. 16 me to fix m car light system but they never fixed the issue and the workshop technician wrote that in a report. Then it was fixed in another work shop for only {$150.00}.
The workshop refused to refund me and the bank took 2 months investigation then sent an email that it was resolved to my favor two days later another email came and said it wasnt solved to my favor!!.
I asked to reopen the dispute the kept ignoring my request and after two or 3 months they agreed then a week later, replied that they need a third opinion- which is impossible because there is no means to get the light defect back again and see what the workshop did in my car- the report from the workshop proves in writing that the defect was never fixed and they tried to balm an accident which is a year old to cover up their stealing. I send my bank the report from the second workshop that fixed the defect and they refused to accept it.
This is not a small amount of money plus the money I paid for rent the car while they kept in the workshop that made me pay for a service that I never received.
|
| 06/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Goldman and Sachs for my apple card account. Accepted my payment and applied it to my account with out making the credit available, and then reversed the payment a few days later. I have the screen shots of when they accepted the payment and the available credit was still left at XXXX. my payment was not returned to me and its been well over a month and a half.
Notice of dishonor sent to CFO of Goldman and Sachs Next Day air express envelope.
Tracking number XXXX XXXX XXXX XXXX XXXX. New Payment with tender instructions with a memorandum and bankers affidavit.
I will be filing a 3949-A form with the IRS for failure to honor, process and credit account. This has caused loss injury and harm to myself and my offspring. an offer of performance was tendered in good faith as full satisfactory of their claim with the full intent if extinguishing any alleged debt, duty, obligation, or liability it is their duty to honor my instruments. They are also making false statements to the credit bureaus and denying, e access to my credit. I ask to have my instruments honored and access to my credit. also to have proper reporting on my credit reports.
|
| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX XXXX has not updated the credit bureau with my new balance.
The still show {$10000.00} and my actual balance is {$53.00} and those purchases was made today. My statement balance was {$0.00}. I contacted them several times via email. This was their final response on XX/XX/2023.
" I'm sorry about this. We temporarily stopped reporting account updates to credit bureaus while we updated our technology because we didn't ' want inaccurate information going out. I'm sorry for any inconvenience and your frustration. The credit bureaus will begin to receive and report updated account information during the month of XXXX.
We recognize that you've recently made a payment, your payment should reflect in your credit bureau report within 30 days of the payment date.
We apologize for any inconvenience and appreciate your patience. '' Apple Credit Card the same thing, credit bureau not updated with new balance. They have {$6100.00} on my credit report when my statement reflects {$1500.00}.
I contacted them also via email, was assured the credit bureau would be updated by XX/XX/2023.
I have screen prints of conversations of both lenders.
|
| 01/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
Apple Credit Cards ( Goldman Sachs ) refuses to both lower a 24 % rate and refuses to allow me to do an electronic balance transfer out in order to get a lower rate somewhere else. I have paid on a regular basis and my income has not changed, however I did use a cash advance which then changed my rate from 10 % to 24 %. I set up two balance transfers to have money go from Apple to XXXX XXXX. Apple states in their terms they have the right to refuse balance transfers.
Here 's the rub..the work around is that I can get XXXX XXXXXXXX to issue me a check and I can then pay from my bank account IF Apple declines the electronic transfer in time for me to still receive the lower rate offer. I have no control over this.
Apple should not be able to dictate how I move my balances out... especially if it is impacting my livelihood. I shouldn't have to spend hours figuring out a work around for a money-grabbing detail in fine print.
Credit card companies could do a quick knowledge check by having consumers answer questions regarding their interest rates, their balance transfers, etc. rather than being clever about how the information is shared.
|
| 03/17/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I was sent an adverse action notice on XX/XX/2023, that denied my application in a consumer credit transaction. The notice further stated that the decision to deny me was based on information shared without my consent and used to discriminate against me. As explained in federal law under 15 USC 1602 ( f ) credit is the right granted by a creditor, which means access to credit extended is my lawful right as I am a creditor as described under 15 USC 1602 ( g ) because I regularly extend consumer credit. I initiated this transaction with my credit card under 15 USC 1602 ( l ) and this corporation utilized my credit card for there own profits and gains and I received no benefit from this transaction as required by federal law under 15 USC 1602 ( p ), means they violated the law because it was unauthorized use. By discriminating against me in attempting to deny my right to exercise my right to extend credit and receive benefits from the application for credit under 15 USC 1691 ( a ) ( 3 ). To resolve this matter, I am requesting that I be granted the credit that I extended the application for without any further discriminatory restrictions.
|
| 01/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/XXXX and XX/XX/XXXX fraudulent charges were made on my Apple credit card. They were made to two different airlines XXXX XXXX XXXX
I was In the hospital on the XXXX having XXXX XXXX and continued to be in the hospital until XXXX XXXX.
I did file a complaint from my hospital bed having seen my latest statement and had them close the account.
This is still ongoing I was credited back three charges but not one for {$720.00} to XXXX XXXX which they have already credited me to {$230.00} with XXXX XXXX.
Wrote a letter in XXXX sent proof of my hospitalization phone records that I called Apple card services and requested a new card. Its almost 6 months later and they keep telling me that they are not resolving the dispute in my favor. This doesnt make any sense to me Im in battling XXXX now for nine months and havent flown in years.
Their only response in their investigation was that they basically believe the vendor, that it was me that did the charging.
That doesnt even make sense. I need some help with this its causing me a lot of stress and Im not I dont seem to be getting anywhere with Apple support or anybody else thank you
|
| 07/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
Steps taken in an attempt to make a payment to Apple GS Bank Card.
- Over 6 hours on the phone with customer service, customer service supervisors.
- Attempted payments ranging from {$55.00} to {$900.00} on 14 separate occasions - Requested call back and filed a complaint with a service rep on 3 separate instances. Call back was never received.
- Removed and re-entered payment information - Removed and updated billing information - Over 3 combined hours on the phone with payment bank customer service - Requested trace number to trace transaction - Inquired about possible auto-pay directly to GS Bank via home bank auto-pay - Informed on 2 separate occasions a transaction dispute would be filed so it wouldnt go to collections - Inquired about any other possible payment methods OUTSIDE OF creating another bank account - Spoke with manager as Goldman Sachs corporate office, said a call back would occur, no callback ever occured - Requested collections statement be removed as this is a disputed transaction, I was informed this will not be removed - Discussed options with a licensed attorney - Opened a dispute with XXXX credit bureau
|
| 04/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
Ive applied for an Apple Card and its been rejected numerous times because of my identity. Ive submitted my ID card and have tried submitting the application with just my last name, with both last names, with first middle last and maiden name and theyve all been rejected for unable to verify identity. I called was told that Goldman Sachs is intrusively and without our permission going through our digital footprint. I feel Im being discriminated based on my gender. Im a transgender female and havent changed my legal name so obviously my digital footprint is all female which matches with my face on my ID but doesnt match with my legal name since I havent changed my legal name. I asked two representatives and they both just repeated themselves and said denials were based on my identity even though they used my social, name, and birthday to get me verified to speak with them. I dont see a valid reason for Goldman Sachs to deny me credit. I have good to excellent credit. So please review Goldman Sachs for this discrimination & for being intrusive with the amount of information theyre illegally taking from our phones without our permission.
|
| 09/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
We opened an a total of XXXX accounts ( XXXX are subject of this complaint ) at Marcus by Goldman Sachs. We attempted an external transfer but it was denied and I was locked out of my account. After being locked out of the account and cycling through numerous customer service representatives, to include confirming authorization for all transfer attempts, we were told we could not do transfer externally due to account 90 day rules. However we were informed we could transfer money back to the original account the funds came from. I authorized that to occur and was assured by a security specialist that it would be ok. I then proceeded to authorize a transfer back to my confirmed, linked account. The next day my account was once again locked and I spoke to a representative who said I could not transfer any funds for 90 days. This directly contradicts the first guidance I was given. I need t transfer the money but Marcus keeps cycling me through different departments, giving me varied and contradictory instructions, and false assurances. I want my account unlocked, funds transferred back to the original accounts, and to close my accounts.
|
| 01/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On several occasions within the past month I have applied for the apple credit card issued by goldman sachs. I have applied directly on my phone as well as on the XXXX website both applications were denied not for my credit but instead denied stating they were unable to verify my identity. I find this to be very odd seeing as I provided them with my date of birth as well as social security. I contacted apple technical support as well as apple card support specialists as the denied letter advised me to do. When I informed them of what the denial letter stated and I offered to fax them copies of my ID and SSN to verify my identity they stated that they were unable to accept it and that " if I just waited a while '' before applying again that I should no longer receive this message. I can not understand why a company with such technological advances such as apple can not provide me with a finite way to verify my identity so that I may apply for the apple card and possibly get approved. I have a credit score of approximately XXXX and the only reason for my denial is simply because they cant seem to provide me a way to verify my identity.
|
| 03/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Marcus by Goldman Sachs took over the XXXX XXXX XXXX on XX/XX/2022. Many customers, myself included, still have no credit card and no statements. We keep getting told it's a few weeks out - it has almost been a month. It takes hours on hold to get through to their customer service. They do not list an address to mail in payments on their site not do they have a, that I have been able to find anyway to reach out to them except on XXXX.
I am at least savvy enough to know how to get online and check my statement but what of all those with no internet access or that are not comfortable navigating their way around the web.
Also at present we are FORCED to link our bank accounts to make a payment on their site. If they can't be trusted to get me my statements and my new card why should they be trusted with my bank information.
This conversion has been bungled from the start with lack of response, lack of ways to contact to ask questions and lack of vital information namely our actually cards/account numbers and statements. Marcus seems unable or unwilling to do anything about it expect to continually tell us to wait a few more weeks.
|
| 09/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I have an Apple Card through Goldman Sachs. I have only had this card for a few months. Last week I started getting text notifications about fraudulent activity on my card. There were a total of 10 charges to various companies on Saturday, so when I called, I explained I did not make any of these charges ( many looked to be overseas ), and they had not allowed them.
What has me gravely concerned is that once they changed my card number, 14 more charges came in on the new card number and I had not even so much as recorded the new card number. Fortunately, I had locked the new card number on my " physical '' card, however, I did not know how to lock it on my digital card number. I have also checked the box for " additional fraud protection '' which means I have a rolling security code. Still, there are criminals charging to the card.
I believe there is a major security breech, and that this needs to be investigated. At this time, I have locked my card and explained to them that I will not be using it for anything. However, a security breech could affect all my personal information so I believe I'm at risk of other fraud attempts.
|
| 08/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2023, I made a payment of {$1600.00} the current balance due at the time to clear up my account and brought it current to a XXXX balance. As per the agent I spoke to that amount was confirmed and I closed the account due to the high interest rate.
On XX/XX/2023 I received an email that I was owing a balance of {$30.00} so I called in to query what that was all about, only to be told that was interest from purchases made from the card. I tried multiple times to resolve the issue and have the company Goldman Sachs write off that amount because I was not aware of it, neither did it show up in my account and the agent that took my payment by phone was not aware of it or made mention of it. They have refused to remedy the situation and choose to put me in collection status for {$6.00} placing a derogatory mark on my credit report and flagging my account 90 days past due. No one was making an effort to correct the fault on their end, as I was not made aware of this balance at the time I was making my payment and closing the account. This account was placed on my report after the fact my account was paid up in full and closed.
|
| 06/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
My XXXX XXXX GM card and all GM card customers was purchased by Goldman Sachs, the new card was called a Marcus GM card. Starting mid XX/XX/XXXX the database transitioning caused my monthly payment I had scheduled XXXX XXXX to fail to post on the XXXX. It took them 2 to 3 months for them to find the missed payment before I was notified and their database was not working. Late fees and interest on my new monthly statements were adding up and hrs on the phone to get a customer service. On XX/XX/XXXX, I called Marcus to request a payoff total, I was informed {$60.00}. I made that payment, on the phone, my balance should have been {$0.00}. Along comes another statement, the payment I made should have been, {$89.00}, more interest and a {$40.00} late fee, their customer service on XX/XX/XXXX, gave me the wrong payoff amount. The statement dates were, XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX, I made another payment of, {$69.00}, I was informed that was the best way to avoid more fees and interest, also to dispute the {$40.00} and the {$0.00} interest. On statement dated, XXXX XXXX XXXX XXXX XXXX XXXX, there is a {$29.00} fee charge.
|
| 04/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I paid my statement balance of {$5000.00} in full via my bank bill pay. The balance was due on XXXX XX/XX/2023. My Bank, USAA Federal Savings Bank sent payment to arrive by XXXX XX/XX/2023. Marcus by Goldman Sachs, notified me that I had a late payment and therefore owed {$29.00} in late charges and {$78.00} in interest. I immediately confirmed payment was sent by my bank and called Goldman Sachs on XXXX XXXX.
I was told by Goldman Sachs that there records indicate that I paid my statement balance in full on XXXX XXXX. I explained that I confirmed payment by my bank and asked for the late fee and interest be removed. The customer service representative removed all but {$21.00}.
I have bill pay set up to pay the {$21.00} so not to incur any additional fees, but I am writing to complain that they are still charging me {$21.00} for a payment in full that was set up via bill pay to pay prior to the due date. I feel they are stealing {$21.00} from me and I don't have a recourse. I am asking they credit the {$21.00} for I should not owe any fees or interest for a payment paid in full. Attached is a copy of the payment from my bank.
|
| 10/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I opened an Apple card in XX/XX/2021 as part of the process to purchase the new XXXX XXXX. I was approved for amount required and completed the transaction on XXXX 's website. At some point during the transaction there was some failed communication between XXXX and Apple Card, because Apple Card shows a pending transaction for over {$1400.00} but XXXX the merchant has no record of the transaction. The card now is basically unusable because until the transaction clears I can't reorder the product.
The transaction has been pending since XX/XX/XXXX and even though I've spoken to XXXX ( in person and on the phone ) multiple times and Apple Card multiple times, each side says the problem is on the other side and no one will help me.
Apple Card says pending transactions will be cleared after 2-3 days and at most 2 weeks after a merchant starts a charge. It's now been 5.5 weeks of this pending transaction. I tried to dispute the charge but Apple Card says they can't dispute the charge until it posts. So basically until this transaction posts, I'm in complete limbo when I tried to use an Apple credit card to purchase an XXXX product.
|
| 04/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I made a purchase from XXXX for a phone sanitizing case in XX/XX/2020. The product did not arrive as scheduled and as promised by the merchant. When the product did finally arrive, it was missing a component ( power cord ), instructions were in a foreign language, and the claims of FDA approval can not be validated.
I have attempted to resolve with the merchant. The merchant 's website has an expired domain. The merchant 's email does not work. The merchant 's phone number does not work. The merchant 's XXXX page does list similar concerns and I have messaged them there. Although I can tell that they've read my messages, they do not respond. I've also filed a complaint with the XXXX XXXX XXXX in Canada about the business. There exist many, many complaints of a similar nature there.
I've filed three disputes with XXXX to resolve this. Each dispute is closed in the merchant 's favor as they are able to show that I did agree to the purchase. This is not the issue with my dispute. I am not disputing that I made the purchase - I am disputing that the goods are not as promised.
Further, I have found this exact same item on XXXX.
|
| 11/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased a XXXX XXXX bag online, it was received, but received damaged. I returned the item to XXXX XXXX with proof of purchase to Goldman Sachs Apple credit card. They keep reversing the charge but with no proof that I have the item. The item was returned to XXXX XXXX and proof of this return was sent to Goldman Sachs Several times. XXXX is known for this issue, after reviewing online. I found several customers who are having this same issue with their XXXX XXXX and XXXX not wanting to do anything about it. The product was received like this. I don't know if this was in shipping or how their warehouse shipped it out. I contacted and notified XXXX right away of the damages to " not being able to locate my account '' and the item wasn't returned in prestige condition, but how could it be returned in prestige condition when this was received by me like this. I do not have around $ XXXX for a bag that was received damaged/defective. I have sent all proof to Goldman Sachs, but they now want me to take this in to get it documented, but how? I can't take this into a leather treatement business around me when I don't have the item.
|
| 10/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I bought TWO XXXX from the XXXX XXXX XXXX, MN XXXX XXXX. I was charged for TWO XXXX and received the purchase receipt in the email right away. The transaction date, as shown in my XXXX XXXX XXXX credit card bill and attached here, is XX/XX/XXXX.
A few days later, I bought another TWO XXXX from the XXXX, MN XXXX XXXX. I was charged for F OUR XXXX. That is, TWO XXXX for {$2000.00} and another TWO XXXX for {$2000.00} I have NEVER received a receipt for this purchase.
Later on, I was charged another {$2000.00} without my knowledge.
On the XX/XX/2022 Apple Card record, attached also, there is a charge of {$2100.00} without my knowledge.
Several unsuccessful attempts have been made to contact both Apple Card and XXXX XXXX for explanation. I had no other choice but to report this matter to the CFPB.
After reporting to the CFPB, the XXXX double charges of {$2000.00} and the illegal charges of {$2000.00} were returned to my checking account ( My bank has record of this too ) Even after the return/refund, my Apple card account still shows balances, and someone from Apple card service emailed me the wrong purchase receipt.
|
| 08/11/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
Marcus by Goldman sachs has frozen my account several times and " unfrozen '' it now several times, yet I am unable to deposit or withdraw my money. Every time I speak to them they say I am " in the queue '' to close and wire my savings back to a bank I can trust, however nothing has changed. It has been weeks now since I have been able to access my own funds. In XXXX, I began a {$20000.00} withdrawal to my brokerage account which was reversed by Marcus. I called when it was reversed and they said it was unfrozen. I initiated the transfer again, and it was frozen and called to have it fixed. They had no record of the withdrawal. A week later, I made a deposit to find the deposit was reversed with the status " account frozen ''. I have spent hours on the phone with various agents who have been unable to assist. This " savings '' bank has saved me nothing- they have effectively stolen {$20000.00} from me. Pure incompetence. The worst part about these idiots is that they don't even have a record of the reversals unless you find the right person in their fraud department, then all of a sudden your shadow record is available. SCAM.
|
| 08/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Older American |
|
I requested a balance transfer from my husbands XXXX XXXX XXXX to my Goldman Sachs credit card account. The {$450.00} payment should have been sent to XXXX XXXX XXXX XXXX but was incorrectly credited to XXXX XXXX XXXX XXXX.
This was the second balance transfer payment to this account, as the first one, for {$450.00} that posted to XXXX XXXX XXXX XXXX did not post for several weeks and after speaking with XXXX who advised to stop payment on the check as it hadnt posted, ended up posting a couple of days later, then the payment was sent back due to the stop payment.
I have spent the last 3 months trying to get this issue resolved and neither XXXX nor Goldman Sachs will correct the issue. They keep bouncing me from person to person and ultimately say the other bank is responsible, even though they have the information and account number of where the payment was incorrectly posted to.
I am overdrawn on my XXXX credit card due to this error because they originally credited me, then removed the credit. In the meantime, I issued another balance transfer to Goldman Sachs to cover the original one that was issued and then reversed.
|
| 11/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
Older American, Servicemember |
|
XXXX by Goldman Sachs GM card - made promotional offer which required one purchase by XX/XX/XXXX, and in return I would receive a {$50.00} credit on my credit card. The purchase was made on XX/XX/XXXX. I have called customer service 6 times since XXXX. After the third call, I started documenting date of the call and person to whom I spoke. On XX/XX/XXXX I spoke with XXXX ... he said he was escalating and gave me a ticket number XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with GM Rewards. XXXX said it should be resolved within 7 business days. On XX/XX/XXXX I spoke with XXXX who told me the same thing, and that she was escalating the complaint. On XX/XX/XXXX I spoke with XXXX at GM Rewards, and again told me the issue is still pending. When I pressed about the length of time ( 5 months! ), she stated that the XXXX statement was not processed correctly, and that they were waiting for " corporate office '' to enter the {$50.00} credit.
After 5 months, it is obvious that XXXX by Goldman Sachs GM card and/or GM Rewards are failing to honor the promotion offer. I hope you can assist me obtain the {$50.00} credit they offered.
|
| 08/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I accidentally made an online bill payment to my GM Card ( Goldman Sachs Bank USA ) for {$6300.00}. This payment should have been to another credit card I use frequently. When I recognized the error I call on XX/XX/XXXX and spoke to a rep who said they would send a refund check. I should receive it in 14 days. I never received the check to my knowledge OR I accidentally threw it away. In either case I never cashed it. I have called MULTIPLE times. No one can help. I am on hold one hour at a time. Many incident reports are opend. No one ever calls. I received a letter dated XX/XX/XXXX that the case has been resolved correctly. I immediately called spoke to a rep in disputes who said another check would be cut and sent and received in 5 business days. When it didn't come I called again and was told they don't know what to do. It was suggested they create another incident report. When I said please no they said they would create a L2 report (? ) and someone would contact me. Please help. I just need someone to see the check wasn't cashed stop payment on the old and issue a new one. No one at GM can help. I don't know what to do.
|
| 08/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Good evening, On XX/XX/XXXX, I called the Apple Card-Goldman Sachs - Credit card company to report unauthorized transactions on XX/XX/XXXX. Somebody used my card or my information without my permission. The amount was {$600.00} from Apple Services ( merchant ). The agents refused to help me and keep transferred me to Apple support ( Merchant ). On the 4th call, I already told them that I was not calling Goldman Sachs to be transferred to Apple-customer service ( Merchant ). They keep asking me again that did I tried to work out with Apple ( Merchant )? I told them yes and the reason I called Goldman Sachs is to investigate the unauthorized transactions on my credit card account. It was not me make those purchases. She keep me on hold, she said that she need to talk with Apple customer service ( Merchant ). After 40 minutes, she disconnected. I am very unhappy with the result, Goldman Sachs never call me back regarding about the case at all. Goldman Sachs which is my credit card issuer should be on my side when there is a problem about my card. They did not take any step forward to protect their customer like me against fraud.
|
| 07/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I noticed on my XX/XX/2020 statement that the XXXX Balance is incorrect. The " total balance '' on page 1 of my statement, does not reflect a {$68.00} credit received from " XXXX XXXX '' on XX/XX/2020. On page 2 of my statement, the " Total charges, credits and returns '' is correct, {$600.00}, and should have been my total balance due ; $ XXXX {$68.00} = {$600.00}.
On XX/XX/2020 I tried to get this resolved by chat message and then a phone call, but was unsuccessful. I was told someone would look into the charges and contact me. I received a letter this week stating my dispute has been resolved and that I was mistaken. I do not believe I am mistaken.
Today I checked my XX/XX/2020 statement and noticed the same issue -- I was credited {$130.00} on XX/XX/2020 from XXXX XXXX. Page 2 of my statement " Total charges, credits and returns '' indicate a balance due of {$220.00}, but page 1 shows a balance due of {$350.00} which ignores the credit of {$130.00}. I unfortunately did not catch the XX/XX/2020 statement error until now and paid {$350.00} last month.
I would like to receive credits due me of {$68.00} and {$130.00}.
|
| 02/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I am the Executor of my mother 's estate. When I paid her bill I overpaid by the amount of {$47.00}. I wrote to them XX/XX/2022 and provided my letters of authority from the probate court as well as their statement evidencing a refund due the estate. I followed that up with a telephone call on or about XX/XX/2022 and talked with a supervisor " XXXX ''. XXXX acknowledged the receipt of my previous correspondence and it's enclosures. XXXX stated they also needed a copy of the Certificate of Death. By letter dated XX/XX/2022 I again provided a statement showing a credit balance and the certificate of death. While I have not yet received the refund they have stopped sending me the statement showing a credit balance.
This amount is not large. it is, however, causing me a great deal of work resulting in lost time, time equals money. In addition, the estate is now closed due to the time frames involved. I will incur additional expense in reopening the estate and believe that XXXX by Goldman Sachs should reimburse me for the time, expense, and penalty. They did require a penalty of me when I was a month late in paying their bill.
|
| 05/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I bought a REFUNDABLE online ticket from XXXX XXXX with the amount of ( {$1700.00} ) when I booked the flight the layover was 3 hours only so I paid based on this fact. Before the flight, I found out that there were some changes in the time schedule. I checked the change and I found out that the layover changed from 3 hours to ( 3 DAYS ) due to the COVID-19 situation. I called the airline and I canceled the ticket and I asked for a full refund. They refused so I opened a dispute ( Apple card ( Goldman Sachs ) ). And I sent all the supporting document they resolved in the merchant favor so I opened another dispute Dispute case number : XXXX on XX/XX/XXXX, and they credit me the ticket amount however, on XX/XX/XXXX, they charged me again so I called to check the resolution they told me they have not reached a decision yet so I asked them why did u charge me then and they were like we are going to escalate it to the manager so I waiting for a week but I have heard back from them so I called again and they told me they will escalate the issue. Up until now, the issue has not been resolved. The claim no. is XXXX.
|
| 04/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
I have had my apple account for years and have added money to my account to purchase from apps on my phone NUMEROUS times over the years. All of the sudden for no reason ( as nothing has changed ) apple disabled my Apple ID and they said it was permanent and despite talking to 6 people over 5 days no one will tell me why. They said they dont have any info and the decision is final. They refuse to provide me with a way to contact the people who made the decision so I can find out why. MORE IMPORTANTLY I have XXXX on my apple account that I just added this past week and I have the transaction from my bank to prove it. This was a direct purchase to my anpple anccount from my bank, not a gift card. Apple is telling me too bad. That apparently because they disabled my id there is no way I can get MY MONEY back. Isnt that outright theft? Not to mention I will also lose almost XXXX XXXX songs that I have purchased over the many years I have had this account. Each song is from XXXX to XXXX each!!! When I XXXX this, it looks like this is a common practice of apple which is clearly making them a ton of extra money in stolen funds.
|
| 09/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have called Marcus twice on XX/XX/23 between XXXX XXXX XXXX, the second representative XXXX XXXXXXXX XXXX told me that my social security number was wrong and was likely the reason for locking of my account, she forwarded me to her manager who told me that she does not have the reason and Marcus reserves the right to close or lock an account anytime. She told me that account was locked on XX/XX/23 ( no email or phone notifications ) and I will get my account reverted back to my XXXX XXXX XXXX.. She told me that it will take 5-7 business days. She told me that I can never open an account with Marcus again and there was no paperwork I can provide to clarify whatever confusion led to closure or f my account. These are my life savings and I am concerned that I wont ever get them back, my second concern is whether it was because of my name that this account was flagged and blocked and my third concern is why was I not notified, if I wasnt looking I would not have found out about it. As a small customer I hope you can stand up for me and look into this bias where clearly the bank customers dont have any rights. Please HELP
|
| 11/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
This complaint is for the Apple Card issued by Goldman Sachs Ive had the card since it first launched and never had any issues. I woke up on the morning of XX/XX/22 to see an email that my account had been closed. No reason disclosed and I was told to wait for the letter or contact XXXX of their representatives. My account wasnt past due, I didnt violate their Terms & Conditions, and I was not over the credit limit. Contacted their support and was told they can not disclose the reason due to privacy. Then was told to reapply again. I was transferred to their supervisor and was told he would email the reason to me and to reapply again. Never received this email that supposedly was going to contain steps to reopen my account.
Fast forward to XX/XX/22, I finally got the letter. The reason for closing my account? Apparently per my request. I have never contacted their support to close my account. This needs to be fixed and my account reopened. I did not request to have my account closed and its not right that their only resolution is to have me reapply again. I should not have to do this since this a mistake on their end.
|
| 12/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I completed a loan application online today for {$12000.00}. I received an email stating the loan request was approved. I submitted my banking account information including a copy of one of my checks, as instructed. I then came to a screen that required me to complete electronic disclosure statements. At that point I decided I wanted to borrow a lower amount, {$8000.00}. There was no screen, tab, etc. that allowed me to change the loan amount, so I called XXXX and spoke with XXXX. She told me that she could not change the dollar amount on her end, but I could request a lower amount by completing a new application. XXXX said that the company would not need to run another full credit check as long as I submitted the new application today. When I applied for the lower amount ( less than an hour later ) I received an email stating it was not approved. I called XXXX and s/w a supervisor, XXXX. I reiterated the above information and XXXX would only tell me " a couple things changed in your application. '' I asked her how anything could change within one hour. XXXX said I probably should not have been approved the first time.
|
| 12/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
The creditor goldman sachs bank usa, has ended the contract with the consumer. I sent a payment via certified mail to enroll in a repayment program in which this creditor took the payment and denied enrollment in this program, they soon decided to charge-off the account days after. They continue to report on my credit report every month. They have acquired a very agressive and deceptive law firm called XXXX XXXX XXXX XXXX. I requested information related to the debt amd they did not provide requested information. I was forced, by the law firm acquired by goldman sachs bank to debt validation response via certified mail. I have lawfully responded to their claims and concerns, and have been neglected by the law firm and by the original creditor. Deceptive tactics for debt collection have been made by the collectors and misinformation and disinformation has been shared and provided by both parties. I send offers and I sent letters of consented communications, and both parties decided to neglect these attempts made by the consumer to satisfy or negotiate this debt. It has been more than 90 days and has not been resolved.
|
| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
I have tried reaching out to the company, XXXX XXXX XXXX GOLDMAN SACHS BANK XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX This company has placed erroneous information on my credit report. My identity was stolen and was used to apply for a credit card. If you would take a closer look at my credit history, I have impeccable credit, no attempt by creditors to collect, no late payments or defaults of any kind and have never defaulted on a loan, so why should I do so now? Even though the company closed the account, Remarks CLOSED BY CREDIT GRANTOR. My credit report still shows that there is a balance of {$8900.00} and I don't want this showing on my credit report. This company should not even be on credit report at all.
Here are some additional questions that I feel should be investigated : Does the company show where they mailed the credit card to, was it to my home address or to an email address? Was it a credit card or was it an e-card? Do they show when and where purchases were made by me, the real XXXX XXXX? Did they ever send me a statement of any sort, or do they have any other proof that I actually received the card?
|
| 05/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
In XX/XX/2020, I decided to close my Apple Card account after a dispute over charged services that were not rendered. Goldman Sachs decided to side with the company over me and I informed them I wanted to close my account. They stated they would close my account ( I have record of all communications as this is done through text message ) and I thought everything was done as my balance was paid in full. I lost access to my account and believed it to be closed.
In XX/XX/2020, I'm alerted to a transaction that was flagged by my bank from Goldman Sachs for an amount of {$39.00}. The transaction was blocked and I contacted Goldman Sachs to find out what was going on. They informed me that the account was never closed and could not explain why they decided to make an unauthorized attempt to remove funds from my bank account 2+ months after the account was supposedly closed. They explained that this time the account is closed for good and did not mention an outstanding balance.
To this day, I have been receiving emails from Goldman Sachs in regards to an outstanding balance and I'm done dealing with this situation.
|
| 01/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I opened a Goldman Sachs Apple Card in XXXX. At that time, and all times since, I have lived at the same address in XXXX. I provided Goldman Sachs this billing address, and their database identifies my correct billing address. Despite this fact, Goldman Sachs authorized XXXX of transactions pushed from XXXX App Store using a XXXX billing address based in Washington , DC. As a result, I have been charged sales taxes that were not wed because Goldman Sachs authorized charges to a billing address that has never been associated with the card.
XXXX says they can do nothing. Goldman says that XXXX should do something. I think it is on Goldman for authorizing transactions from its close business ally with a clearly erroneous billing address.
Additionally, my terms and conditions with Goldman states that I can contact them via XXXX messages. This used to be true. It is no longer true. I was forced to make a call, and then have XXXX transfers to get to an Apple Card XXXX. According to the terms and conditions, this non-written complaint via telephone is not binding on Goldman. Unfair and deceptive in my estimation.
|
| 09/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
|
| 06/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
The lender says that the borrower ( me ) can apply for a payment workout program to help recover from missed payments due to unemployment. The lender will tell the borrower what is the minimum payment required but when the borrower submits their request the lender denies the request with for the following reason : " Payment to income ratio exceeds hardship program thresholds ''. The lender will not disclose what the threshold is that must be met. I have made 3 attempts to sign up for the program, each time offering the requested minimum payment, and calculating my income based on three different models. Each time I am denied with the same denial statement but they refuse to tell me what the threshold is that I need to meet.
All I want from the company is to make the minimum payment during my unemployment with a promise from me that I will return to normal payments when my income is restored. I have made 6 different attempts to accomplish this but each time the representative said that no one can tell me what the threshold is and no human can give an approval - only the computer program can grant an approval.
|
| 02/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear CFPB Team, I was a victim of identity theft in XX/XX/XXXX. I obtained a police report. I received phone calls from Apple about a Apple Credit Card which I reported to Apple on about XX/XX/XXXX this was a fraudulent account. Apple turned this over to collections.
Goldman Sachs which is the financial institution that administers this credit card throughout the month of XX/XX/XXXX and XX/XX/XXXX continued to make collection calls on a known fraudulent account after told to stop. My credit report had a negative finding of this outstanding account. After contacting Goldman Sacks corporate and going through numerous barriers it was removed but there are still references of Apple and Goldman Sachs on this account. They never had my permission to call my cell and continued to call after told to stop and informed this was a fraudulent account.
Please note both Apple and Goldman Sachs agents refused to provide documentation of this fraudulent account in order to add it to my police report.
Attached is the police report, verification my cell is on the Do Not Call Registry, call log, and redacted credit report.
|
| 03/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
The Apple Card and Goldman Sachs provide statements that are confusing and make no sense. A charge appeared on my XXXX, XXXX statement for {$430.00}. I contacted the Apple Card support on XX/XX/XXXX to dispute the transaction. I received a response on XX/XX/XXXX which did not address the substance of my dispute.
The Apple Card and Goldman Sachs seem to be engaging in deliberate obfuscation to confuse, mislead, and scam card users. There is no way to view a register with a complete detail of past purchases and payments.
The explanation I received for my disputed transaction addressed my card balance from a few months later and was worded as follows : " Your balance is made up of card purchases and returns, payment activity, monthly installment due and any interest charges. Your total balance was {$180.00} plus purchase activity of {$0.00}, and payment activity of - {$72.00} plus installment due of {$37.00} plus interest of {$0.00} plus installment purchase of the current month {$0.00}, plus total remaining installment balance $ XXXX, which matches your total balance of {$37.00}. '' What does that even mean?
|
| 05/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the dele the accounts listed IMMEDIATELY!
|
| 02/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
It has come to my attention that I have been making payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2.
You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6.
This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ).
Furthermore I have noticed that you have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). Goldman Sachs XXXX XXXX XXXX. has violated my federally protected consumer rights.
|
| 01/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2017 I did a consumer credit transaction with Marcus by Goldman Sachs. The total amount of the transaction was for {$14000.00}. In XXXX of 2017 i received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ) ( d ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer reports. The credit card is my social security card and is what I used to originate this transaction. Goldman Sachs is in violation of 15 USC 1605 ( a ). I was charged an additional {$14000.00}. As per the installment loan agreement the only payment that should have been calculated was the finance charge of {$11000.00}. The finance charge is the sum of all charges. Goldman Sachs failed to process this transaction appropriately and is in violation of 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) and is required by law to pay twice the amount of the finance charge ( {$23000.00} ).
|
| 11/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
Goldman Sachs is being discriminatory against me as a XXXX year old XXXX male.
I have been approved for the Apple Credit Card twice, I have sent in my documents, I have answered questions related to my credit report, I have done everything to identity myself.
Goldman Sachs still denies my application for " unable to verify identity ''. I asked if I could send my docs by mail or even send an email. They refuse to accept my identity unless it comes from an XXXX with a higher quality camera than my old XXXX XXXX.
Basically, Im young, XXXX, with good credit, and willing to send whatever information to verify my identity but Goldman Sachs refuses to give me the ability to verify my identity.
I have already been notified by Goldman Sachs twice, both time saying I was approved. Only to later snatch the hope away from me with word later that I was unfortunately denied.
I can not afford a new XXXX, they must accept documents via fax, mail, or email to allow me to verify myself. Making an XXXX which is not in my budget the only way to verify my self is extremely illegal and XXXX on Golman Sachs behalf.
|
| 08/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
I had a XXXX credit card with XXXX XXXX In some kind of way my information was sold to Marcus Goldman Sachs. They repeatedly called me asking for payment when I didn't sign a contract with them or consent for them to have my private information. They also are reporting late payments when according to 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This creditor consistently violates my consumer rights and, under the FDCPA, is considered a debt collector. They are furnishing a deceptive form to deceive me into thinking I owe a debt when in fact, I do not. I didn't borrow anything from them pursuant to 12 USC 83 as a bank can not loan its own stock and 18 USC 8 that all debt is the obligation of the United States. A debt validation letter is also attached.
|
| 02/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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Web |
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RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX XXXX, was denied an extension of credit by Goldman Sachs Bank USA. On XX/XX/2022, I applied for apple credit card.
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Goldman Sachs Bank USA has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the emails you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. Your company should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT.
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
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| 12/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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Web |
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|
-I have a line of credit with Goldman Sachs Bank USA .
-I initiated a draw but it was denied.
-It was rejected and I was told the reason is " Level of delinquency on accounts for one or more guarantors '' -I requested on where to get a credit report to show what is delinquent, as I have checked my credit and do not show any negative marks.
-Goldman Sachs then said to reach out to XXXX XXXX XXXX
-I requested the business credit report from XXXX XXXX XXXX However it was not sent and I was told " Currently a business credit report is sent only to companies whose files have been accessed by XXXX XXXX XXXX XXXX members. However, we are unable to determine that a report for the company noted in your request has recently been generated for review. '' -I was denied a draw on my line of credit but they have not provided me a specific reason ( s ) for denying your credit application.
-Goldman Sachs has not given me my credit score and the credit reporting agencies that provided the information.
-Goldman Sachs has not provided me free copy of your credit report from each of the credit reporting agencies.
|
| 11/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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Web |
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This problem began when my original account was closed without notification when a Co-Owner ( my XXXX son ) obtained his own separate account. Ive attempted to reapply and obtain a new card at least six ( 6 ) times and been promised by at least three managers during a dozen separate support calls that I would be contacted back after they submitted an escalation. Ive never once received a callback addressing any of this.
The system answer in every denial has been that my Identification can not be verified, which is total nonsense. The multiple photos of my Utah drivers license that have been submitted were clear and there is no way that all the different photos that Ive submitted were bad. It also ignores that I AM ALREADY A CUSTOMER, have had credit with you before, and HAVE AN ACTUAL BALANCE IN A LINKED SAVINGS ACCOUNT.
There is obviously some glitch or other failure in your system or you are lying about the reason for denial. No person at Goldman Sachs Bank has been willing to take ownership of this problem, which I find to be indicative of a supervisory and management failure within the bank.
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| 11/12/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
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Web |
Older American |
|
I would like to apply for the Apple credit app, so that I can use my phone to make purchases through the Apple program. However, I understand that this program is handled by Goldman Sachs. Numerous testimonials, including those by a founder of Apple and his spouse, have surfaced demonstrating that the credit granting process being employed discriminates against women who are applying jointly with their spouses using the same income and assets to qualify for the credit. In some cases the amount of credit limit assigned to men is more than 10 times that offered to the joint woman applicant. At a minimum, this has the impact of discriminating in the granting of credit on the basis of the prohibited basis of sex. While there may be no overt discrimination, the algorithms and other analyses being used in the credit granting process clearly are resulting in discrimination in the amount of credit being granted. This appears to blatantly violate the Equal Credit Opportunity Act. What is the CFPB doing to ensure that Goldman 's policies are being scrutinized for this discrimination in the granting of credit?
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| 04/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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I recently filed a complaint specific to Goldman Sachs about an Apple Credit Card. I followed up with a note about the credit card being approved then was told that it was not.
This week I received notification from Marcus by Goldman Sachs about a pre-qualification loan option on XX/XX/2022, which I did not request. I looked at several options but did not approve Goldman Sachs to review my credit file, nor did I select them for this loan. There were several that came up and I decided not to request a loan. This is interesting because out of the 6 organizations that were listed in the same format this organization was the one that decided to pull my file as if I agreed to move forward with them.
Something needs to be done about Goldman Sachs and it appears that this organization may be bias. I am beginning to conclude that this organization is not working in the consumer 's best interest. I will contact my local congressman/congresswoman and let them know about this issue. Nothing was done about the first complaint. It was closed. I have attached the file for the original credit card application.
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| 12/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Goldman Sachs incorrectly states : " Customer did not satisfy the XX/XX/2021 statement balance in full by the due date. '' As a result, the Bank assessed interest on XX/XX/2021 in the amount of {$83.00}. Furthermore Goldman Sachs falsely reported to the credit bureau that I was late which has caused damage to my credit score.
I would like proof from Goldman Sachs that I did not satisfy XX/XX/2021 statement balance in full, and I can assure you they can not do so. Goldman Sachs have even failed to explain to me how I was late the multiple instances of me trying to reach out to them to get an understanding the current situation which they failed to disclose the steps to resolve the problem of my account.
In the month of XX/XX/2021 the minimum payment required was {$25.00}, A payment was made on XX/XX/2021 in the amount of {$850.00}. A secondary payment was made in the same month on XX/XX/2021 in the amount of {$300.00}. This is a total of {$1100.00} payments made in the month of XX/XX/2021 to which XXXXoldman Sachs says I am late. How is this possible?
I will submit proof of payment made here.
|
| 12/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
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On XX/XX/19 I stayed at the XXXX XXXX n XXXX. They placed a XXXX pending charge. This charge has now been pending for 14 days with XXXX telling me they released it on XX/XX/19 and my credit card company, Goldman Sachs ( Apple Card ), still shows the charge as pending. All they have told me is there is nothing they can do. They even said charges should be returned within 5-7 business days, but when asked why this has exceeded that, Goldman Sachs only said to keep waiting. I have asked multiple times about a policy in place that prevents merchants from holding on to pending funds in perpetuity, only to be ignored on the several times I have asked that question. I feel like this is a very foreseeable issue that a credit card company would face and am deeply concerned that a policy does not exist to allow for consumer recourse on this issue. I have reached out to them multiple times and have been stonewalled each time and told to keep waiting, but they wont tell me for how long. This is not right that Apple and Goldman Sachs are letting my funds sit with an outside company with no way to dispute this.
|
| 10/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
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On XX/XX/XXXX, I attempted to use my Apple Card to pay for a {$36.00} charge. I received an " over spend limit '' message and the card was declined. I checked my credit usage ; I had a balance of {$5200.00} with a {$10000.00} credit limit. I had already paid {$5000.00} on XX/XX/XXXX, which cleared my bank on XX/XX/XXXX.
When I tried to reach Goldman Sachs, which handles Apple Card, I was put on hold. I tried using the chat function. I was on the chat function for nearly two hours. The third person who " assisted '' me texted that I can not use my card until XX/XX/XXXX when " the payment will be released. '' She said that she " attempted to release the payment '' but was " unable to release the payment on my end. '' They have {$5000.00} of my money but won't apply it to my account until XX/XX/XXXX. Until then I can't use my card. My daughter in college, who is a participant in this card, can not use the card. All scheduled transactions on this card, including medical bill payments, will be denied until XX/XX/XXXX.
I have always paid my credit card bills on time. I have a credit rating of 800+.
|
| 05/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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Web |
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XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 I submitted an application for the Apple Credit Card with Goldman Sachs and they continue to give a credit denial reason of me recently experiencing a charge off. I have not recently experienced a charge off and XXXX has verified that with me. XXXX has also shared that they will be submitting information to them about my application for reconsideration I assume. The most recent application from XX/XX/2021 they attempted to set me up with a program with them and it requires other stipulations before being approved but I refuse their program because I should not have to complete any program. The application from XX/XX/2021 should have been the first application approved. The denial reason of all applications came from XXXX. But as stated the denial reason is not valid. They complete soft inquiries on consumer credit reports for there credit card product of the Apple Credit Card. I contacting them about the application for the second time and after speaking with XXXX XX/XX/2021 they have confirmed that there is no recently charge offs being reported.
|
| 12/12/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
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Web |
Older American |
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I am locked out of my account. I called over a week ago and was on hold with the rep for over an hour. He kept referring to " my case ''. Then he mumbled something about my banking with another bank. I told him that I did not bank with the bank he quoteds. Then he tried to verify my identity. The phone number on my Marcus account is outdated and I gave the rep my current phone number. He tried to send me a text for verification and it failed. I asked to speak to a supervisor. He could never get access to a supervisor. After an hour on the phone, he told me someone would call me within the week. No one has called. Today I went thru the same scenario with XXXX who finally transferred me to his supervisor XXXX, who put me on hold for XXXX minutes. Her final solution was to send me an affidavit via snail mail to verify my identification or close my account and mail a check to the address on record! I chose the latter. I planned to close my account after this hullabaloo! My money, {$160000.00} has been inaccessible for over a week. How can this be? Sucky customer service and poorly trained personnel!
|
| 11/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I monitor my credit reports through my XXXX XXXX card which provides me my credit score, and XXXX XXXX.
I was notified that a new account from APPLE CARD - GS BANK USA via email from XXXX XXXX on XX/XX/XXXX. I didn't recognize the account, an initially thought it could be related to my new XXXX XXXX account which I opened just a couple of weeks earlier and had yet to appear on my XXXX report.
However upon looking up Apple Card - GS Bank on XXXX, I found that it was most likely a credit card from the company Apple. I didn't understand what this was, I do not do business with Apple or own any of their products. It was also a very low limit card ( {$1000.00} ) which didn't make sense to me because I have over {$10000.00} in credit limit through XXXX XXXX and XXXX.
I filed a dispute with XXXX and later with XXXX regarding this account, and put a fraud hold on my credit score to stop new accounts from being opened. I don't have an identity theft service like XXXX so I don't know what to do other than dispute the information with the credit reporting agencies and hope new accounts aren't opened.
|
| 06/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I use my Apple card to make Apple purchases online in the amounts of {$710.00} and {$440.00} for a total of {$1100.00} on XX/XX/2022. I shipped the items back for a full refund on XX/XX/2022. Apple acknowledged receipt of one item on XX/XX/2022, and the other on XX/XX/2022. Apple issued refunds in the wrong amounts. I received {$610.00} and {$390.00} which totals {$1000.00}. I spoke with multiple Apple reps and a supervisor about the missing {$140.00}. I was told I would receive the missing {$140.00} but I never did. So I contacted Goldman on XX/XX/2022, to initiate a dispute with Apple. Goldman issued temporary credits for {$97.00} and {$43.00} which totals {$140.00}. And Apple issued the {$140.00} refund also on the same day Goldman initiated the dispute. The problem is Goldman reversed the temporary credits and then wrongly rebilled me for the same {$140.00} that Apple refunded. Additionally, they have wrongly reported the account as 150 days delinquent to the credit bureaus. I am requesting this account to be closed and both the billing and credit report corrected to reflect a zero balance.
|
| 05/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
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Web |
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I have attempted to apply for an Apple Card through Goldman Sachs 5 times. I have been rejected 4 times.
After the second time I was told to contact a number of credit bureaus to correct any inconsistency in my records. I did so by calling XXXX who corrected my phone number. After the designated amount of time ( 5 business days ), I was directed to apply again so changes could reflect on the side of the bank. Thus I continued and applied again. Again I was rejected. I asked to raise a formal complaint and was promised to have attention to this by superior management. I did not receive any feedback.
During my last call with XXXX on XX/XX/2023 I confirmed - verbally- all of my contact information, my social security number and my home address. He confirmed everything they had on their side matched my information which I provided. There seems to be no way to continue. I need answers. XXXX asked me a series of questions, listing out a variety of random addresses I have never been associated with. I need information as to what does not match. I have called the credit union. This is unacceptable.
|
| 04/18/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
Unethical Bank - DENIED me access to my CD and savings account online unless I agree to " paper statements ''.
Forced to telephone to get access to online account. Then person claims can agree.
Dishonest to deny full-time access to online account.
Representative did not know when account would allow me access but would send request to not select paperless option.
Still account access my {$250000.00} account.
Second problem : Highest CD withdrawal penalties in the nation at 270 days.
MY goal : Leave this dishonest institution when my CD is UP!
" Withdrawing Your Electronic Acceptance of Documents You understand that you have the right to receive Documents in paper form. You can request paper copies and/or withdraw consent by contacting us at XXXX ( XXXX ).
Any withdrawal of your consent to receive electronic Documents will be effective only after we have a reasonable period of time to process your withdrawal. If you withdraw your consent, you may not be able to use certain online functionality with respect to your Products or complete actions with respect to your Products online. ''
|
| 08/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Personal Loan from Marcus by Goldman Sachs paid off with XXXX Credit Card online transaction. Paid from XXXX site to Marcus on XX/XX/XXXX with quote from that day from XXXX, {$2900.00}. Marcus continued to bill after pay off. Claimed not paid. XXXX ticket on missing e-pay filed XXXX. XXXX says pay off accepted electronically on XX/XX/XXXX. Marcus continues to bill me. Recent request is interest only payment of {$30.00} and their representatives say that I " mailed to wrong address '' and that is why there is more interest after I made the payment. The transaction was made electronically, no address is given on Marcus billing statements for pay off and XXXX site has no request for address of loan provider on their application. Marcus claims I am late and also threatens my credit score with this unpaid interest they claim accumulated from XX/XX/XXXX until XX/XX/XXXX ( when Marcus claims to have received it ). Requests to waive this " interest after pay off '' is denied ( transaction done electronically online, not mail ) and requests to alter it to 4 days ( XX/XX/XXXX to XX/XX/XXXX ) are denied.
|
| 03/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On Monday XX/XX/XXXX I submitted a dispute to my apple credit card company Goldman Sachs Bank, for a flight that was purchased from XXXX XXXX to XXXX XXXX for the date of XX/XX/XXXX of 2022. Because of COVID restrictions the country of XXXX was not allowing XXXX American Citizens or residents into the country, therefore I had to cancel the flight with a total cost of XXXX. When I tried to cancel the airline was not willing to provide me a full refund for this matter. So I turned to my credit card company to file a dispute. Since the credit card company took too long in the dispute process the time of travel passed and the airline denied me a refund, calming the tickets were issued, But my family and I Never traveled. So now there is a XXXX charge on my credit card for a flight that I did not take and could have not taken due to Covid-19 restrictions. After being denied the dispute I reached out to the credit card company again for help and they denied me any more help. All they did was open up two more disputes that resulted in the same final decision that they would not refund me the money.
|
| 09/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
My XXXX has an Apple credit card from Goldman Sachs and he has a banking app on his phone where he can view transactions and make payments. He mainly got this card so that he could make installments on Apple products. However, he can also buy things outside of Apple, but they are subject to high interest. He sometimes uses a desktop web browser to access his account online. We noticed that on the web account, the total balance is shown, but the individual day-to-day transactions ( that we can see through his phone app ) are not shown and only appear the next month, AFTER the monthly statement is generated. We think ALL transactions ( pending and charged ) should clearly appear in the online account and match that of the app for transparency and better financial management. The missing info in the web-browser version makes it difficult to differentiate between the Apple installment XXXX versus regular XXXX purchases as only the total balance is shown. The user interface for both the app and browser versions are not intuitive and almost seem to be designed to confuse the consumer on purpose.
|
| 08/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I applied for an Apple Card via XXXX wallet on XX/XX/21. I was given a {$6000.00} limit at that time. I decided not to approve it because I wasnt ready to make my purchase and didnt want to open a card needlessly. On XX/XX/21 I decided I would make the purchase and I applied again, this time via the XXXX site during the purchase. I didnt notice until it was too late, but they lowered my credit limit by {$3200.00}! There is no good reason why, either.. other than that I was making a purchase and they could see the total purchase amount. My salary and credit score did not changed in two days, why did they lower my limit so much? I tried calling and texting and explained the situation, asking that they raise it to the original offer of XXXX Their solution was to put in a credit line increase. Of course, I was denied saying my account was too new. However, the problem is that they should have given me a higher limit to begin with! Why do they lower it when making a purchase? This is super shady and I would like them to make good by raising my credit limit to the original proposal of {$6000.00}.
|
| 08/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I applied for a apple credit card. I received it in the mail and put it in my drawer. I did not activate the card and i wasn't planing on using it untill i had paid some others down. A couple months go by and i look at my credit report and find out that i have a late mark for not paying apple on time. I was supprised to find out apple put a digital version of the card next to the apple pay card in my digital wallet I used it thinking that it was apple pay not knowing that it was hooked up to my credit card.
Apple says that they had sent me billing well it got buried in emails and I didn't go looking for it because i had not activated my card yet i wasn't expecting a bill from apple. I have disputed this and they confirmed the reporting 2 times This is my only late mark on my credit but at the time i had a couple maxed out cards so with this i looked like a credit risk whiched caused XXXX XXXX XXXX to cancel my oldest credit card with the large limit changing my % of credit being used and the length of my credit history. This has cause a snow ball effect and had made things very hard for me
|
| 03/27/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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I signed up for the Marcus by Goldman Sachs savings account ( promotion which is {$100.00}. I deposited the required {$10000.00} on XX/XX/XXXX. The bonus tracker on the website said that I could withdraw the funds on XX/XX/2020 ( yesterday ) which I did. I called up today to inquire about my bonus and was told that I am not eligible because I was supposed to keep the funds until the end of the day on XX/XX/2020. I informed them that the bonus tracker did not say that. It simply said " withdraw funds on XX/XX/2020 '' and you are eligible for the bonus ( which I did ). I am eligible for the bonus because the bonus tracker literally said it was ok for me to withdraw the money on XX/XX/2020 which is what I did. I noticed that the bonus tracker is not showing on my account today or I would take a screenshot of it. Please credit my account the {$100.00} as promised. This is my second time doing a bonus with Marcus by Goldman Sachs and the first time I did the bonus I did get paid for it. If I do not get paid I will not do another bonus with Marcus by Goldman Sachs and will file another complaint.
|
| 09/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
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|
XXXX of XXXX my phone was hacked and overtaken while traveling through the XXXX XXXX on a layover. I was able to determine non of my active accounts were affected XX/XX/XXXX XXXX contacted Goldman sachs after I became aware of the account due to getting a negative report on my creditscore when the account was closed for nonpayment. I spoke with several employees over the course of about XXXX minutes, I was assured they would work to get the account closed.
XX/XX/XXXX XXXX the account had not been resolved according to my credit report. I followed up with Goldman sachs and was told they could not help me and that I needed to contact Identitytheft.gov Shortly thereafter ( within a week or so-date unknown ) - I filed the report with identitytheft.gov to try to resolve the issue XX/XX/XXXX XXXX I emailed all information to XXXX ( Goldman sachs XXXX XXXX ) and received no response Early-mid XXXX I printed filled out and mailed the dispute letter per recommendation from identitytheft.gov to Goldman sachs They have been unresponsive and unhelpful. I need this issue resolved as soon as possible.
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so.
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.
If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.
I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
I await your response.
|
| 05/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
On XX/XX/12 a service company I was working with offered to finance the cost of the service through GreenSky. Unknown to me at the time, the vendor submitted my information to Greensky and had ben directed to acknowledge legal statements on my behalf. This resulted in an approved appliation for which I had not been provided the terms. At the same time I was being asked to accept and agree to the loan terms.
On contacting Greensky I reached a person who directed me to click on the loan acceptance link in their email without providing the loan agreement for me to review. When I pointed out that the text of their email and the information on their website both state that taking the action of clicking on the 'Acitvate Your Loan ' as he was directing me to do, has the effect, according to their documentation, of accpeting the terms of the loan. The agent begam beligerant when I pointed this out and stated that I was not listening to him ; asking me to trust his word over the printed terms. Furthermore, he refused to allow me to speak to a supervisor, and disconnected the call when I insisted.
|
| 03/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Servicemember |
|
Apple MasterCard advertises 3 % daily cash back on select merchants such as XXXX but in reality, only gives 1 %. On XX/XX/XXXX transaction of {$99.00} received a 1 % cash back of {$0.00} rather than 3 % ( {$2.00} ).
Apple XXXX cash back term stated on their website : " XXXX : 3 % Daily Cash is available for purchases using Apple Card with Apple Pay in XXXX U.S. stores, and bill payments and AutoPay on XXXX and in the XXXX app. Authorized XXXX dealers are not eligible for 3 % Daily Cash which can be found on XXXX XXXX account payments, and purchases made through any XXXX checkout, including those at XXXX U.S. stores, are not eligible for 3 % Daily Cash. '' But then on the actual transaction only gives 1 % back. I made a formal complaint on XX/XX/XXXX for the XXXX monthly bill payment made on XXXX using the credit card. on XX/XX/XXXX apple determined no error occurred. I called the apple card specialist and they said that you only get 3 % when using apple pay but the term stated above says in bill payments on XXXX. This is the false advertisement that influenced me to get the credit card.
|
| 12/15/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
I am a XXXXXXXX retiree and lived XXXX to XXXX in XXXX
I opened accounts with Marcus by Goldman Sachs XXXX XXXX and I dropped everything to dash back to the XXXX.
I closed down almost everything in XXXX including my rented apartment but couldnt close down my Marcus by Goldman Sachs account.
I returned to XXXX to close my Marcus accounts.
They asked for a US address.
I checked with my hotel and, as they know me, they agreed for me to use their address.
Marcus accepted and registered the hotel as my US address.
I then started to call Marcus to close my accounts.
I phoned DAILY for TEN days and was on the phone for anything from 45 minutes to 1 hour 52 minutes!!!
The hotel received 4 letters marked for my attention from Marcus which proved they accepted the hotel as my address.
Marcus are now saying they can not send checks to the hotel.
I can not give them another address.
They are now saying my accounts will go into the UNCLAIMED ACCOUNTS.
Im telling them they cant as Im claiming MY MONEY!!!
Because of the above, Im claiming that Marcus by Goldman Sachs is stealing my money.
|
| 09/13/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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|
I have an online account with XXXX, a division of Goldman Sachs. A few days ago I set up a transfer of all funds to another bank 's savings account with higher interest. This morning I got a call from XXXX and was told to call back. I did and was told to hold for XXXX minutes so the rep could look into what the call was about. I was on hold for 20 minutes and finally gave up and hung up. Tonight I tried to log into my online account to see if my fund transfer was still in progress and I had been locked out of my account! I called XXXX again DURING THE HOURS I WAS TOLD TO CALL IN and this agent agent did not know why my account was locked nor why I could not access my funds. She could not get hold of a XXXX to explain or fix it even though I call during the hours I was instructed to call in. She told me to call back AGAIN tomorrow.
I suspect that they are holding my money to force me to keep the account open at least until they can " sell '' me on keeping the funds with them.
This is outrageous. If I needed those funds ( MY money ) urgently, this could be very damaging to my wellbeing.
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| 06/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am a victim of identity theft. I realized between last year XXXX to XXXXXXXX XXXX my apple credit card was compromised. I did not authorize any purchases/transactions. Ive disputed the transactions multiple times with the credit card company but my disputes was denied even after I submitted all the evidence including the police report. This is what Goldman Sachs bank said I quote ( You have the right to see the information we gathered to make this decision. To request a copy, please contact an Apple Card XXXXXXXX. ) but Ive been asking for the copy of the investigation that they determined to denied my disputes they never sent me these copies since last year till now. I had a good credit score btw XXXX to XXXX but now my credit score dropped to XXXX. I am not responsible for these transactions so I am appealing or asking for a disputes investigation so everything can resolve. Goldman Sachs bank is violating my consumer rights. I dont have money to pay these debits I am not responsible for and also I am asking to fix my credit score/report for me. I worked hard for everything I earned.
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| 11/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On Friday, XX/XX/19, I attempted to make a {$400.00} payment to my XXXX XXXX. The payment did not appear successful so I reached out to XXXX XXXX customer service who advised the payment did NOT go through. I tried again, still nothing. At this time I waited several hours until once again attempting a 3rd payment. XXXX detailed none of these payment went though. Come Monday morning, XX/XX/XXXX, all ( 3 ) payments went through. I have made a a payment dispute with XXXX ( who ADMITTED this was an internal issue, even have the email that says it ), contacted their customer service via chat online and phone several times and filed a complaint with them. As of Tuesday, XXXX XXXX put a restriction on my account! Leaving me no access to use this credit card even though they have overdrafted my checking account! As of today, I called and was only told we can file another complaint, but fraud is set to call or email you soon FRAUD?!? I have been following up on this almost every day! I finally got escalated 3 times today and was told this can take 10 business days and they can not do anything!!
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| 10/31/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
|
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I filed multiple disputes with my credit card company Apple in the amounts of : {$40.00} on XXXX won in my favor {$25.00} on XXXX won in my favor {$25.00} on XXXX won in my favor All these amounts were unauthorized and I am happy with the above amounts won in my favor. I am however filing this complaint because my credit card was on file with this company " XXXX '', so " XXXX '' fraudulently billed my Apple credit card in the amount of {$500.00} on XXXX for filing a chargeback with my credit card company Apple. I closed out my credit card with Apple immediately, and filed a dispute against this {$500.00} amount.XXXX tried to charge me an additional {$500.00} on XXXX but my Apple card had already been closed out.
Today XXXX I get a response back from Apple saying XXXX won the chargeback against me for this " Dispute Fee ''. How can this be though when the 3 above only charges were wiped away because they were won in my favor. So this makes it where I never did any business with " XXXX ''. You can not charge me a chargeback fee, when I never did any business with this company " XXXX ''.
|
| 01/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
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I paid with XXXX Credit Card XXXX Goldman Sachs XXXX the services on XXXX restaurant on XX/XX/2022. Total bill was split between two parties. I was responsible for US {$50.00} ONLY.
Apple card charged me US {$190.00} when I authorized and signed a voucher for US {$50.00}. I disputed the amount online and received a provisional credit of {$140.00} on XX/XX/2022. However, Apple card reversed the credit and charged me {$140.00} on XX/XX/2022.
I am trying to dispute again, but I do not have any answer yet from Apple Card.
I also contacted the merchant in XXXXXXXX XXXX which was not willing to help. I will try again, hope a different manager is in charge. I do not have the receipt anymore, and I was requesting a copy of the signed receipt to the restaurant. However, they mentioned that credit cards solve disputes in a different way, and Apple card never has reached to them yet to solve the issue.
I will not pay for a service that I did not buy and I did not authorize.
Apple Card should investigate before charging whatever they want. I never signed or authorized a charge for {$190.00}.
|
| 01/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
Hello.
I am writing in connection with a late payment reflected on my Apple Credit Card account on XX/XX/2022.
Note please, that as a responsible customer I have always done my best to meet the deadlines and respect the financial obligations that I have. Taking the above mentioned into consideration, I do inform you that the payment of my Apple card dated XX/XX/, is no exception. Please be informed that the payment was made via phone, yet due to badly suffering from XXXX, I was unable even to collect the phone at my hands and check whether the confirmation number was received, and non receiving of the number resulted in a late payment reflected on my credit bureau reports and affecting my XXXX XXXX.
I tried to contact XXXX, explain the situation and resolve the issue with them, but unfortunately I didnt get any assistance or understanding there.
I kindly ask you to give me a second chance and make a goodwill adjustment to remove the late payment. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debths.
Looking forward to your prompt answer.
|
| 04/25/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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I opened this account and put 2 deposit into the savings account around XX/XX/2022 and put too much money into the account, so i decided to put my XXXX account information using the routing number and account number provided by XXXX that uses XXXX.
Marcus by Goldman Sachs has since locked my saving account requesting bank statements with the required information looking for the routing and account number from XXXX. I called XXXX and they said they don't provide that information on their statements just transaction history. so i called marcus back and requested for them to go ahead and remove the XXXX information from my savings account.
Marcus has been nothing but rude and uncooperative about unlocking my the account. they wont even let me close the account. I just want the account unlocked and remove the XXXX information. Goldman Sachs refuses to unlock my account. I no longer want the XXXX tied to the account. Marcus customer service is very rude. I don't see how they can tie up people 's money like this. this isnt fair. i have children and need access to those funds immediately
|
| 03/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/20 I made a purchase at XXXX for {$2800.00}. After shipping delays, I received the wrong item before receiving the correct item and returned it on XX/XX/20 back to the XXXX XXXX physical store XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I was promised a refund. None has been issued to me. XXXX XXXX has a record of my return. I filed a dispute with Apple Goldman Sachs card due to no refund. Apple Goldman Sachs, backed by Mastercard, provided me with a merchant response that states XXXX XXXX, XXXX issued for XXXX. The remainder of the funds has not been issued. Apple says XXXX XXXX told them I got a gift card. I contacted XXXX XXXX to get this gift card and so far none of the managers ( XXXX XXXX XXXX Store ) XXXX or XXXX or XXXX can track it down and the folks at corporate call center has acknowledged that a gift card does not exist. Given the miscommunication and XXXX XXXX XXXX inability to solve this or properly communicate directly with me, the credit card should issue me the amount due to me {$2800.00} - {$42.00}. I have paid off the card so you can send me a check to my new address.
|
| 01/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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On XX/XX/2020 a {$900.00} purchase was made using my card information. I noticed the charge a few hours after the purchase was made and immediately called Apple Card services and disputed the charge and had my card number changed. I received an email today stating I would be held responsible for the charge because the merchant provided sufficient evidence that I made the purchase. After speaking to a Goldman Sachs manager he stated the company " XXXX '' provided an invoice with my card number and billing address, but to a person of a different name and a different shipping address. The manager said I would need to provide him with an email or screenshot proving I did not make the purchase. Upon asking how I could provide an email with evidence I didn't make a purchase he stated that was not his job. Several charges were attempted with the old card number in the two months following my dispute proving that somebody has my card information. I tried explaining to the manager that wherever they got my card information is also where the got my billing address, but he said he can't help me.
|
| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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dear gs bank/apple This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting.
Line Item : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above.
Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim.
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me.
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question.
Sincerely, XXXX XXXX
|
| 03/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
|
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Company closed my account unexpectedly and without notification on or around XX/XX/2020. When I called to inquire as to why ( after being embarrassed at a restaurant when my card was declined ) I was placed on multiple long holds after which I was told the account was closed due to " evidence of a previously financial crime conviction '' ( their exact words ). Neither I or anyone in my family have ever been convicted or even suspected/investigated of a financial crime, so this was a big shock to me. I was told via a email I received after calling in to inquire about the closure that evidence/documentation would be provided to me within 30 days ( the attachment stating that is included in this complaint ). It's been almost 90 days of this writing and I still haven't received anything. When I attempt to request the documentation via phone I have been told that there is only a general feedback form which doesn't require a response. I have just now submitted yet another request for documentation but the customer support representative advised me that I may or may not receive a response.
|
| 05/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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|
Web |
|
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According to my credit report at the end of XXXX, I was authorized a credit card which, was not requested by me, I called the applicant bank and requested to close it. That card did not have any knowledge again, until I reviewed my credit report where it tells me that I have a debt of {$6000.00}.
Said card had a limit of {$1500.00}. I contacted the company in this case Apple Card. and requested that they send me where these payments were made from that card since at no time did I make any payment corresponding to that card, and the payments said by apple were returned. my credit being affected, and being affected considerably, since the card was used 300 % of what was available to be able At no time did I receive any letter from Apple, no notification regarding a debt with them, or anything. According to the records in XX/XX/XXXX, they made multiple payments without success and are not registered under my name.
In XX/XX/XXXX, they tried to make another payment of {$2100.00} for automatic payment, which I do not have any automatic payment or accounts registered with that entity.
|
| 12/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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XXXX XXXX suggested I apply for another card to increase my credit rating. They recommended an Apple Pay card. I was not aware that I had to use this card with the wallet application or I never would have applied for it.
My credit went down because I applied for this card.
The card requires me to use my phone. I believe this is an effort by apple to get you to buy XXXX.
I tried to follow the requests on support and now my phone comes up with an apple pay screen every time I try to use my phone! Support blamed me for this even though I did not write the software. I am afraid this is could cause charges to my card. I want out of this agreement but my credit will be damaged due to no fault of my own!
I do not know how to undo the changes I made to my phone. No one should be forced into something like this. I called them when I saw that they wanted me to use my phone and they said that they could send me a physical card instead. This was not totally true. I still need to use the wallet on my phone.
This should be illegal. Why does your credit go down before you even use it???
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| 12/19/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
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|
Web |
|
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In XX/XX/XXXX we discovered a fraudulent savings account had been opened at Goldman Sachs Bank by a third party who illegally obtained our personal data. We contacted the bank immediately at that time by phone and US mail, requesting that the account be closed. However, over the next 10 months we continued to receive correspondence referencing this fraudulent but still active account, forcing us to recontact the bank on XX/XX/XXXX. We learned at that time the account had in fact NOT been closed. Having heard nothing from them over the next two weeks, on XX/XX/XXXX we again requested by phone and US mail, that the account be closed immediately. We have been told verbally the account is closed, but so far have not received complete and accurate documentation to that effect. We have also continued to receive correspondence from Goldman Sachs referencing this account as late as XX/XX/XXXX. On XX/XX/XXXX we again contacted Goldman Sachs Bank by phone, but the Fraud Department representatives refused to speak with us directly to resolve this issue. We are still waiting to hear from them.
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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A few years ago someone filed federal taxes in my name which now requires me to use an IRS issued identification number to file my taxes. Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when I pulled my credit reports XX/XX/2023. I pulled my credit because Im looking to refinance on my home. I figured to check before applying for a new mortgage loan. I have filed a dispute with XXXX XXXX and XXXX. All of the information ( credit reports, identify Theft Victims Complaint Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report. These accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being displayed on my good credit. All I do is work and take care of my home, so there was never a need to add any of these credit accounts listed. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
|
| 03/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I recently opened an Apple Card Account issued by Goldman Sachs Bank USA. On XX/XX/20, I disputed a transaction based on the terms of my Cardmember agreement. On XX/XX/20 I was issued a " provisional adjustment '' in the amount of the disputed charge. I was advised that the funds would be reflected in my available balance immediately and on a provisional basis pending the outcome of the investigation. On XX/XX/20, I called Apple Card back to inquire as to the status of the provisional credit as it was not reflected in the available balance, I was told I would need to wait 90 days until the close of the investigation for those funds to be available.
The terms of the cardmember agreement do not differentiate between what is defined as a " provisional credit '' and a " provisional adjustment '' and/or the availability of such funds. representatives on three occasions advised I would have immediate access to the funds while they investigating my claim. However, upon " review '' each representative later changed their story after determining they were not able to rectify the credit.
|
| 12/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have purchased a XXXX pro on XX/XX/2021 which Ive requested to return on XX/XX/2021 in compliance with XXXX return policy.
For me to be able to return it, XXXX issued me a XXXX prepaid return label with a tracking number : XXXX. XXXX attaching the return label that was issue to me as well. Unfortunately, over 120 days since the delivery have passed, so you wont be able to see the tracking anymore.
Over the following month, I regularly chatted with XXXX to enquire about the status of my return. They always confirmed that according to their records, this showed as delivered to the warehouse and I just needed to wait for it to be processed.
Towards end of the month o XX/XX/2021, my account was banned allegedly due to too many returns. After banning my account, XXXX never refunded me for my returned XXXX ( and the object on this dispute ). I was unable to contact XXXX by phone or chat to talk about this issue. Their representatives told me that the only way to talk about this issue would be through email. Attached is an example of an email Ive sent that I was never answered to.
|
| 03/31/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Marcus bank is holding XXXX XXXX dollars from a real estate transaction wire fund. The wire fund was supposed to have been rejected 2 business days ago and after multiple phone calls with supervisors. First they would not accept a transaction over XXXX. I was not aware of that. However, the same days I then just requested for them to reject the wire. They did not do it. I am now being told there was an error on their part but it will still take another 1-3 business days for the funds that were never accepted by them to be returned to the escrow bank that sent them. This is deceptive practice & should be illegal for a bank to hold funds. Its very scary as a consumer to not know where my money is to be told basically that its floating somewhere in space! TERRIBLE. I will be closing my account the them as soon as this mess is resolved but feel others should know about this. Also, their customer service people have no business working in banking. I understand working for home but these people have no idea what they are doing & I could hear a womans baby screaming on one of my calls!
|
| 02/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
There are two items on my Apple Credit Card that I do not seem to be able to get Goldman Sachs to resolve. I understand they are extremely new to consumer credit cards, but it is nearly impossible to get any documentation out of them and to keep track of anything going on with the investigations. I am uncertain if they ever look at the supporting documentation provided via email. The transactions I am having issues with are {$560.00} from XXXX on XX/XX/2021 and {$290.00} from XXXX on XXXX/XXXX/2021. I have brought these to XXXX 's attention several times but have been unable to workout a proper resolution for either. I have never received the purchase from XXXX to this day and have been unable to resolve the issue with the company ( it is an independent seller within XXXX platform that sold me shoes but never delivered ), and XXXX delivered another item in place of what I actually ordered in XXXX and I've been unable to resolve the issue either with Goldman or XXXX. For above reasons, I'm looking to dispute both transactions and have {$860.00} credited to my Apple Credit Card.
|
| 04/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I received a promotion to add a co owner to my Apple Card thru my app if you add a co owner & they spend {$100.00} in the 1st month they receive {$100.00} in XXXX XXXX. Well my husband did not get his money & I have called 7 times all they do is tell me they understand apologize then 2 days later I get an email stating they did not make an error.. But every single time I call they just tell me more & more things that was supposed to be. I was supposed to do this or that, now I am starting to think they are not wanting to honor the promotion that they just had some credit card quota to meet. They told me once he was supposed to spend the {$100.00} get the XXXX XXXX then spend more. I told them no. Then they said it had to come thru a targeted e-mail & when I told them it came thru my app then they said I needed to go thru a link. I am like OMG!!!! I am so frustrated because my husband bought a almost {$400.00} item cause he thought he was getting that {$100.00}. I feel like this was a scam or something can someone please investigate this because I am sure I am not the only one.
|
| 01/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
A payment to my account sent by XXXXXXXX XXXX on XX/XX/22 was sent in error to Goldman Sachs Apple Card to the wrong account number ending in XXXX.
Since XX/XX/22 I have made multiple attempt to Apple to resolve this issue. As the money was deposited to Goldman Sachs and never credited to my account. Goldman sachs has claimed they can not find it. I have given them proof of deposit, from XXXX. The money is in my name and Apple was informed since XXXX of the error and no reasonable response has been provided. I have called Apple on multiple occasions and they refuse to transfer me to the dept that is searching for the money. I have asked for a direct call back, when attempts are made there is no ability to provide clear information about the status of this payment. I have asked for the money to either be returned to XXXX or credited to my Apple Card correctly, this has not been done it has been almost 3 months.
I have attached proof of deposit with bank tracing number give to Goldman Sachs Apple already. Showing the account number associated with this deposit is incorrect.
|
| 04/30/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
goldman sachs bank allowed unauthorized transfers out of my account. XX/XX/XXXX {$9000.00} out on XX/XX/XXXX XXXX into account and XX/XX/XXXX {$9300.00} out. There was a pending transfer of {$700000.00} on XX/XX/XXXX I cancelled before transfer was made I reported the theft of funds to goldman sachs on XX/XX/XXXX.and they did nothing to secure my account on that date.The attempted {$70000.00} transfer was made 4 days after my complaint. The security for the account was set up by a sixth grader. If some has your email address all the need to do is go to the online account login which asks for your email address as your username. Type in your email address and it asks if you want to change your password Check reset password and they send a temporary password to your email address Now you log in with the password they gave you and you can now do whatever they want with your money. They have been looking into this for 20 days now I have called numerous times and have gotten 20 apologies but no money Please help me get my money back I am XXXX years old and living on social security
|
| 10/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In XX/XX/2019, my identity was swollen, and many of my accounts were hacked and charged to XXXX. One of these Account in particular is the Apple card. As soon as I realize what was going on with my account, and I no longer had access to it, I filled out an online complaint form with identity theft, and I talked to Apple and told him that it was fraud, and then I was gon na pay it. I didnt amount to my card after it was taken over. and informed any theft.gov, see three, FTC, SSA, And all through credit bureau agencies. on the phone with Comenity bank, they said that i did not provide a police report of the fraudulent charges which she absolutely did, and they gave us the Apple ID which was affiliated with. That ID is no longer excess. The charges need to be taken off credit report because they were not made by her and while trying to get this done, the phone calls kept disconnecting, and I had to call Back explain everything all over again just get disconnected again. The account is an Apple Card. And I am unsure of the amount of charges, but I was told there's 15 pages worth.
|
| 03/21/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Ordered a wire transfer via phone call at XXXX on XX/XX/21. Was told that I can not wire to an external account that I am not the owner of. This completely eliminates the ability to use money as money. I needed the funds to close on the purchase of a house. Disclosures and restrictions in regards to withdrawals are nowhere to be seen on the website. The website describes the account, Online Savings Account, as having unlimited withdrawals.
Despite my issue with wanting to wire to an external account, I chose to wire these funds to a credit union account that I am an owner of so that I could then wire from that financial institution. The wire was requested in the same XXXX phone call yet the wire still was not sent by XXXX on XX/XX/21. I contacted the bank through chat and explained the importance in getting these funds in order to close on a house. Was called at XXXX on XX/XX/21 and was asked to verify that I am the accountholder with the institution the funds are being transferred to. This was done successfully. As of XXXX on XX/XX/21, the wire still had not been completed.
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Problem with customer service
|
|
Web |
|
|
Ever since the transition from XXXX XXXX to Goldman Sachs its been a nightmare for me. Last year XXXX I called to get my legal name on my billing statements because Im a " XXXX '' with a suffix and statements were being opened by my dad. After finally contacting someone by phone to make that clear my billing statements stopped for around 3 months. So I never received a statement. I was in agreement with XXXX XXXX for " hardship '' and my monthly payments were supposed to be {$40.00}. I have tried over a year to resolve this with every specialist saying " they will note my account and someone will reach out. '' Only one person has in over a year and I was on my way to work and told her to call me back the next day. She never did. I get harassing phone calls and inaccurate emails daily and weekly. It has created a balance, interest and credit reporting inaccuracies. I just responded to an inaccurate email today and spoke to another specialist and told her to note my account that I am now filling a complaint yet again with the CFPB seeing how nobody wants to help resolve this..
|
| 05/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Here 's the timeline.
XXXX : by Goldman Sachs took over the XXXX XXXX cards.
XX/XX/2022 - Payment was sent in the amount of {$720.00} XX/XX/2022 - Check was cashed by Goldman SA ( Per image of the check when it cleared my back ).
XX/XX/2022 - A payment was processed on my Card for {$720.00} XX/XX/2022 - Check Payment ( REVERAL ) hit my Card, {$720.00}, and XXXX interest charges of {$3.00} and {$14.00} were added.
XX/XX/2022 - Called in to XXXX, to figure out what happened. I think a dispute was opened.
- Later that day, my wife called to check her balance, and it was a - {$720.00}.
- The issues is that these accounts are unrelated, and her account even had our last name misspelled. They should have never moved any of the payments from one card to another. And no one from my household opened any type of complaint with them.
- I feel that I'm just lucky that this happened to me and my wife, what would have happened if this was a stranger 's account?
- I've been on the phone with them at various times for more than 3 hours, have to explain it again every time I call in.
|
| 03/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
a hard inquiry was added to my credit report from Goldman Sachs. i never applied for a loan from their company. When i contacted them, they could not find any information on my file. i gave them the last 4 digits of my social security number and they still couldn't locate my file. Two days ago i received a letter from them stating that i had applied for a loan and my application was incomplete. the letter also stated that because i had an apllication that it authorized the company ( Goldman Sachs ) to actually inquire into my credit which resulted in an hard inquiry on my file. i made another contact with the company after i received the letter. They tried to tell me that i had an application on file with their company but they did not believe the social security number was accurate. i asked them to just remove the hard inquiry from my file. They told me to contact XXXX as it may be fraud. i only want them to correct my file to reflect what really transpired. this matter has become complex and i believe this is very simple.i need your assistance in this matter ... Thank You
|
| 02/14/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was contacted by Goldman Sachs Bank USA last week and told my account was overdue. I contacted them several times and was told disregard email account was fine. this was in reference to amount still owed for XX/XX/XXXX and XX/XX/XXXX, I should have only owed a remainder balance for XX/XX/XXXX, however I was told payments were declined by bank, which is odd because why would I be told the opposite after having called and spoke to a customer service representative and they confirmed receipt of payment, only to receive a call last week to be told account was almost 3 months overdue.
The representative for Goldman Sachs and I called XXXX XXXX XXXX XXXX on a 3 way call and was told the payments weren't received. I know the money didn't go back to my checking account as I was forced to use my credit card to eat. I hardly ever use my credit card unless I am out of funds. The credit card is designed to build my credit and not destroy it! Something similar happened with another credit card I had to have canceled and reissued however I will address that issue in another complaint!
|
| 08/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
|
|
Web |
Older American, Servicemember |
|
A company XXXX : by Goldman Sachs, placed an unsolicited request for my credit history from XXXX Credit Reporting agency. NO.. authorization or request for credit was ever submitted by me for a personal loan. I had received an unsolicited email marketing advertisement from : '' XXXX XXXX XXXX XXXX '' and was just scrolling through the listing of companies offering loans and what their Interest and terms were. NOTHING MORE ... .just a review of their listing. Goldman Sachs placed a " Soft Inquiry " to XXXX to get my credit history. I never sought/ requested or gave authorization to any one to review my credit history. I feel Goldman Sachs was using the marketing Ploy by " XXXX XXXX XXXX '' as unlawful/ fraudulent effort to get Names and Credit History. Goldman Sachs would not withdraw or inform XXXX Co that their request for my credit history was an attempt at invading my personal privacy ' It is Just another form of " Identity Theft ''. Please look into this matter. If it happened to me, ... it probably happened to anyone who might have reviewed that XXXX XXXX Advertisement.
|
| 06/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My XXXX XXXX XXXX was hacked recently by two phone numbers : XXXX XXXX Both have been traced to a XXXX XXXX. There's a police report in XXXX and one filed in XXXX, where I live. This individual has had access to my bank information, credit card, photos, messages, and private details for over a month, according to Apple.
While dealing with the charges made w/o permission on my Apple Goldman Sachs Card , Goldman Sachs proceeded to remove over XXXX XXXX from my XXXX Checking Account on Wednesday, XX/XX/XXXX. It was only returned after I put a stop payment on it.
The following day, Thursday, I woke up and saw I was missing {$880.00}. The charge came from XXXX XXXX. All my credit cards ( except for the Apple/Goldman Sachs card ) are in debt consolidation. I was forced to call again and ask for a stop payment ( again with a fee. ) I never approved either transaction, nor did I receive a notification from any of the institutions letting me know I have been told this is against the law. I reached out to XXXX XXXX XXXX and reported both as fraudulent charges as of XX/XX/2023.
|
| 01/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I used my Apple Card running by XXXX XXXX, to purchase some furnitures at XXXX for a value of {$2100.00}. However, XXXX told me that a carpet valued $ XXXX was out of stock and they have already put a credit on the file for me. However, until today, I never received it. I tried to call XXXX 's customer service for more than 100 times literately and their call was so busy and can never been reached.
I disputed this $ XXXX with Apple Card and provided them with the document I got from XXXX. However, after two-month investigation, they rejected my case, claiming that they had got some evidence from XXXX. I asked them to provide me with the evidence and apple card promised to mail it to me, however, they were never able to provide me with that. After communication, they rejected to serve me about this case without any specific reason and I did not get any evidence until today. I called them today, but they still claim that the evidence is still not available and they are not clear about the specific reason. They are hurting my right seriously right now with ignorant altitude.
|
| 06/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This account was opened on XXXX 2022. There has been only XXXX purchases and XXXX payments. While I was setting up the payment information, I typed the wrong routing number. I contacted the company right away to let them know. Still the company try to do a collection which it did not go thru due to wrong account. To prevent my payments to be late I made a payment, with no difficulty since I had already straightened the problem. On XX/XX/2022 the statement is telling me I have a balance which is completely wrong as I had already paid more than it was due to bring the account to zero. I am still been charged for the first payment that was schedule that did not go thru. I have contacted the company XXXX times. I have records with time and dates. XXXX of the times I have written to the company explaining the issue. I printed All the statements so they can see were the problem is, hoping they will go month by month as I have requested multiple times. I really need helped with this. Just getting aggravated when dealing with a huge company. Ready to send you more info. Thank you.
|
| 12/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
This is my fifth complaint against these people yet nothing is ever done about it. Im writing again due to three charges on my credit card account that i need credit for two were fully returned to the merchant and the other one was a cancelled order..first Home Depot in the amount of {$180.00} i had placed severall orders with Home Depot one of which was cancelled due to supply issues. The order was cancelled i never recived the merchandise but was told that a refund would be issued which it never was. I have sent documantation over severall times only for Apple card to say i didnt submitt enough documantation. What more do they need i sent the svreenshot showing the order was cancelled. The second order in the amount of {$170.00} from XXXX I uploaded documents showing that the merchandise was returned to XXXX and that they refunded me but on my apple statement it shows refund denied. The third charge {$240.00} the merchant issued a partial refund of {$210.00} but not the whole thing i returned the whole order back to them. I nedd the remaning balance refunded back to me.
|
| 07/07/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Signed up for a new savings account at Marcus by Goldman Sachs - I made a small deposit and received an email notification that my money was received in the account.
I followed their guidelines when signing up for the savings account. There is no minimum balance required. I have great credit etc as well. WHY AM I BEING REFUSED A SAVINGS ACCOUNT???
They closed my account two days later WITHOUT ANY NOTIFICATION to me. I spoke to a customer service rep. and a supervisor and BOTH refused to explain or tell me why my account was force closed. They told me they do not have to provide a specific reason. They also said they can't guarantee they will allow me to open up an account if i try again.
I WANT TO KNOW WHAT IS GOING ON AND WHY I, A CONSUMER AM NOT ALLOWED TO OPEN A SAVINGS ACCOUNT with MARCUS by GOLDMAN SACHS!!!
I WOULD LIKE A RESOLUTION. I WILL ALSO BE SENDING EMAILS AND XXXX MESSAGES TO THE CEO, COO and other top executives until someone shows some professional courtesy and explains to me why my account was closed WITHOUT NOTICE and WHY it was CLOSED.
PLEASE HELP
|
| 03/10/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am writing to file a complaint against Marcus Savings for their unfair treatment and unreasonable fees. Between XX/XX/2022 and XX/XX/2022, I attempted to pay my rent on XXXX from my Marcus Savings account, only to discover that my account had been restricted without any prior notification or explanation. As a result, the payment bounced and I was charged {$75.00} in bounced check fees.
I tried to contact Marcus Savings to understand why my account had been restricted, but I was unable to get any clear answers or assistance. This lack of transparency and customer service is unacceptable, and I feel that I have been unfairly penalized for something that was not my fault.
I believe that Marcus Savings ' actions violate the terms and conditions of their banking agreement, as well as basic principles of fairness and customer service. I request that Marcus Savings reimburse me for the {$75.00} bounced check fee and take immediate steps to improve their customer service and transparency.
Thank you for your attention to this matter. I look forward to your prompt response.
|
| 09/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I have applied for an Apple Card which is offered by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch and been denied. My most recent application for this card was XX/XX/XXXX. The text of the denial stated " Thank you for your interest in Apple Card. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because : You have recently been past due '' However, I have not been past due on any account since XX/XX/XXXX to XX/XX/XXXX. These delinquencies
are over four and a half years ago. I contacted
goldman sachs and was told the information came from Transunion. I pulled all my transunion reports and they don't show any " recent past due '', XXXX agrees they haven't seen anything negative on my report since XXXX and very early XXXX. I also pulled all my other credit reports which also show no delinquencies in the last 4-5 years, certainly nothing recent.
I am reporting to the CFPB because I can not get anyone at Goldman Sach 's to take a closer look at this erroneous denial letter and allow me to be approved for the Apple Card. Thank you.
|
| 06/23/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
On XX/XX/23 I deposited {$5000.00} USD into my Apple XXXX savings and all appeared to be fine. Today, XX/XX/23, I wake up to a notification advising that my account has been restricted and to contact support for further assistance.
At approx XXXX, I spoke to an Apple Agent ( via text ) regarding my account and was advised that the account was restricted due to missing information ( that I was never asked for prior ) I provide said details to the agent and was told a REQUEST to unrestricted my account would be made and it could take up to 4 business hours to resolve.
This is beyond infuriating and quite common as of late. There are hundreds of Apple XXXX clients who are in the same position as myself, but with much larger amounts stuck in limbowhich is why I was reluctant to place all of my money within this institution.
Something needs to be done about this! Restricting ones funds with little to no explanation is plain wrong. I am now at the mercy of Apple HOPING to have access to MY money within a reasonable timeframe.
XXXX XXXX should be ashamed of themselves.
|
| 09/07/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a CD account with Marcus Bank on or about XX/XX/2021 under account # XXXX. The CD is in the amount of {$250000.00}. On Saturday, XX/XX/2021, I received an email message from Marcus to notify me that this CD account had been closed.
I called Marcus on Tuesday, XX/XX/XXXX ( the bank was closed on Monday for XXXX XXXX ) to ask what account was closed. I was told by the representative, named " XXXX, '' that the account was closed and that the {$250000.00} plus interest ( a total of {$250000.00} ) was withdrawn and the account was closed.
Marcus could not tell me what happened to the account or where the money went. I was told that they would look into what happened and that I should contact them in a few days.
My online account shows my two other accounts at Marcus -- a saving account and another CD -- but there is no record whatsoever of the CD account that was reportedly closed.
It is too early to know if this was fraudulent or gross negligence, but in any event, Marcus was quite casual about my missing money. I want to make sure that I get my money back.
|
| 08/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On XX/XX/2022, I disputed a transaction for a total of {$56.00}. The financial institutions opened the case : Claim ID : XXXX and submitted it to the merchant. On XX/XX/2022, I received a letter from the financial institution stating the transaction was VALID, and I accepted the merchant 's Terms and conditions. On XX/XX/2022, I tried to re-dispute the trade mentioned above, but the credit card company denied proceeding. However, I did not receive the merchandise was not and/or received it very late. Furthermore, I do not accept the Merchant Terms & Conditions agreement.
Additionally, the financial institutions are not following the XXXX XXXX and XXXX XXXX XXXX XXXX.
Moreover, the financial institutions were violating the 1005.11 ( c ) ) ii ) Act because they failed to provide to the customer the provision credit as required by law.
1005.11 ( c ) ) ii ) Act ( ii ) Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation.
|
| 01/20/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
Servicemember |
|
Ive had Goldman Sachs Apple credit card for a while. It advertised that customer is able to see the card in wallet and pay for purchases, as well as view transactions and make payments through the wallet. Last week my apple email which was also Apple ID was compromised as well as password. Apple worked with me to switch over to new email = Apple ID. Goldman Sachs told me that I cant change the email and the only option is to close the credit card and apply for new one as this is their policy.
Also they will not mail me statements, I cant see my account in my wallet, I cant log in to compromised Apple ID and email. I cant view my transactions, I cant make payments, and they will not provide my real credit card number as the apple credit card has no numbers engraved on the actual card.
I dont want to close my account and hurt my credit, I cant re apply as i owe the balance and their policy states that I have to pay off the balance before even applying.
Please help me to have them update my email address and give me ability to see the credit card in my wallet again.
|
| 06/23/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
NEW ACCOUNT MADE WITH MARCUS BY GOLDMAN SACHS TRANSFERRED XXXX FROM CITIBANK ACCOUNT WENT TO WITHDRAW XXXX TO PURCHASE NEW CAR, ACCOUNT LOCKED XX/XX/XXXX.
CALLED TO UNLOCK IT, PHONE NUMBER WAS STILL SWITCHING OVER TO MY NAME SO AFFIDAVIT OF IDENTITY WAS REQUIRED TO VERIFY TO UNLOCK ACCOUNT.
FIRST AFFIDAVIT WAS NOT SENT, RECEIVED SECOND ONE ON XX/XX/2023. RECEIVED BY COMPANY ON XX/XX/2023.
MULTIPLE REPRESENTATIVES GIVEN INCORRECT INFORMATION EVERY TIME, FOLLOWED DIRECTIONS PROVIDED BY THEIR COMPANY REPRESENTATIVES. WAS TOLD TODAY AFTER TOLD MULTIPLE TIMES WHEN AFFIDAVIT WAS GOING TO BE VERIFIED IT WAS REJECTED AFTER FOLLOWING THEIR COMPANY 'S DIRECTIONS.
I SPECIFICALLY ASKED IF I SHOULD BUT MY ADDRESS ON MY DRIVERS LICENSE, WAS TOLD THAT IT WAS REJECTED DUE TO MISMATCHING ADDRESSES? NO FURTHER CLARIFICATION. A REPRESENTATIVE SPECIFICALLY TOLD ME TO DO THIS AND NOW IT WAS REJECTED.
WHEN ASKED IF MONEY CAN BE SENT BACK TO ACCOUNT GIVEN NO ANSWER AND UNABLE TO SPEAK TO ANY MANAGEMENT REGARDING ISSUE X1 HOUR.
XXXX USD CURRENTLY LOCKED OUT OF ACCOUNT SINCE XX/XX/2023.
|
| 11/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX, payment was received at the Apple Card lockbox payment center in XXXX, PA. Upon receipt of the bank check, Goldman SachXXXXApple Card posted the payment received XXXX days later, XX/XX/XXXX. However, upon receipt of the payment, Goldman Sachs refuses to post the payment as cleared until XX/XX/XXXX. I spoke with XXXX and XXXX, who gave conflicting information.
XXXX XXXX stated that my credit limit was on hold because the check did not clear. However, XXXX confirmed my check had cleared.
- When I received a message from Goldman Sachs customer services, they stated in writing that when payments are received, there is a XXXX processing period to be applied to the account. However, they did not disclose that the credit limit would be held for XXXX days because the payment was sent by check.
Overall, Goldman Sachs and XXXX did a horrible job communicating their process. If I knew they would hold my payment for over XXXX weeks, I would use another payment method. In my opinion, this process is unethical and was not adequately disclosed to me as a consumer.
|
| 04/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
Older American |
|
Credit card company Goldman Sacks mailed Apple credit card not applied for by myself. XX/XX/XXXX collections called requesting payment for {$32.00}. I tried to pay at that moment but was told I was not able to do so. I requested the land address to mail payment to Apple. I was provided case number XXXX and mail to Goldman Sachs Bank USA, XXXX XXXX XXXX Branch XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX. I mailed this {$35.00} check to that address and as of today they say It has not arrived for processing. The time and efforts put into this at the point is such that I personally resent this time spent on this matter. Today I provided Goldman Sacks with the number of the check and the day it was written XX/XX/21. They are continuing to hound me for the {$32.00} payment. They suggested I fill out this complaint as not initiating this account could indicate fraud regarding someone filling out the application in my name and activating the account when I did not activate it. But someone did. Today the {$32.00} remains outstanding. Please help to clarify my situation, Thank you
|
| 09/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Older American |
|
My complaint is with Goldman Sachs management of the Apple Card. My account was opened without any issues. I am in great financial shape with no debt. I began using the card per usual. After a few weeks the account was restricted with no explanation. I had even made an early payment to clear the outstanding balance. After several text sessions and a phone call, I talked to someone who said they needed more account information from me but had not communicated that to me. They assured me that the issue was resolved and the account reopened. Several days later the account was closed again and again no explanation. I have now spent countless hours with their front people who have no clue but to tell me that the account is under review but have no more information. No one will contact me and Im told it could take 10 days. The level of ineptness throughout the process has been astounding. I still have no answers days later just vague, patronizing text messages. I have never experienced such ineptness. Apple should seriously reconsider their relationship with Goldman Sachs.
|
| 07/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
My name is XXXX XXXX and I am submitting this complaint on my own behalf. On XX/XX/2022 Goldman Sachs received documents that I sent them in an effort to validate alleged debts that they claim I owe them, and receipt of these documents is shown via certified mail receipts in the attachment. The documents included a Debt Validation letter. I requested the validation of these debts by Goldman Sachs in accordance with 15 U.S.C 1692g ( b ) and have not been provided the information and documents requested. I sent Goldman Sachs an Affidavit of Truth which they received via certified mail on XX/XX/2022. Goldman Sachs also did not rebut the affidavit and an unrebutted affidavit stands as truth in law. Goldman Sachs also received a notice of fault on XXXX XXXX via certified mail and responded with statements and a contract. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Court Case, a consumer contract and statements are not sufficient evidence of a debt. GOLDMAN SACHS has not complied with the request for valid proof of debt and were unable to provide the documents demanded.
|
| 08/13/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Web |
|
|
I opened a year long cd with Marcus from Goldman Sachs, one of several. When a CD matured the month prior, I received an email from Marcus 30 days in advance warning me that it would renew so I called and closed it as I always do. When a CD with a large amount of money was set to mature at the end of XX/XX/XXXX I did not receive a warning email. Instead, on XX/XX/XXXX, I received an email congratulating me on renewing the account. I called to complain and was informed that I had missed my 10-day grace period ( the account had renewed on the maturity date-XX/XX/XXXX- but Marcus waited until 3 days after the grace period to inform me about the renewal ). I said I had never received an email that the cd was set to mature as I had in the past and the agent claimed it had been mailed to me, even though my settings were for notifications by email. The agent refused to budge and told me to close the account would incur a more than XXXX dollar penalty fee. I have no record of receiving the maturity notification letter, but it shouldnt have been sent to me by post regardless.
|
| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, 30 day late payments violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments. They have violated my consumer rights. I demand a reinvestigation of the account in question and modify and update correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The creditor is not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. And according to15 USC 1666 creditor has violated my consumer rights. 15 USC 1692C
|
| 10/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
As per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft!!
Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
|
| 09/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2022 facbook advertised a XXXX vacuum cleaner for {$2.00} after filling out a form. After I filled out the form, the merchant, named " XXXX XXXX XXXX' charged me {$54.00}. I immediately messaged them. They did not answered and now has disappeared and can no longer be found on XXXX.
I disputed the amount with the Apple credit card. The credit card gave me a credit of {$52.00}. For 3 weeks, I have contacted Apple credit card 3 times and said that I never received the XXXX Vaccum cleaner, the merchant is a fraud, that I need to change my account number, and that Apple need to give me the full credit of {$54.00}.
I have a text message from Apple credit card representative saying that they will give me the full credit back but it never happened. I tried again today for the 4th time, and I was on hold for over 1 hr.
Apple credit card AKA Goldman Sachs Bank is failed to comply with the Fair Credit and Billing Act by refusing to give me the full credit since the merchant is a fraud, I did not receive the XXXX Vaccum cleaner, I am not liable to pay the {$2.00}.
|
| 08/07/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I submitted a request to transfer {$16000.00} on XX/XX/2023 from my XXXX by Goldman Sachs high yield savings account and the transfer was rejected. I currently live in Florida and am in the process of closing my old checking account ( XXXX XXXX ) and opening a new checking account ( XXXX ) so that I have access to a brick and mortar physical bank. I funded my XXXX XXXX with a majority of funds from XXXX XXXX and some from my new XXXX checking, so both are linked accounts. I requested a transfer to XXXXXXXX XXXX and XXXX said my new XXXX checking account had not been linked long enough and they rejected the transfer. I am in the process of closing on a real estate transaction and will now miss my closing date. XXXX will only allow me to transfer to my old XXXX checking account that I am in the process of closing. Had I already closed my XXXX checking, then I would have zero access to any of my money in the XXXX XXXX until a certain amount of time has gone by ( 3 months is that I was told by one rep ). How can a bank not allow me to access my own hard earned money?
|
| 08/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Servicemember |
|
I have gotten numerous pre approved solicitations from Marcus XXXX XXXX Per their website and XXXX XXXX, I meet all the requirements for approval ( credit score and income ). I applied for a personal loan to consolidate my credit cards on XX/XX/20. Their website states that you will have a response or request for additional information in 1-2 business days. I had to log into their website and check my profile every day to see an update. I had to continuously call for updates and was told that it would be 1-2 business days for a response. By XX/XX/20 I asked for my file to be escalated. I was told they would reach out to me. I called again on XX/XX/20 and was told that a letter was mailed to me and there was nothing they could tell me. Basically my file was declined as soon as I complained. They said they were not able to tell me why it was declined and that I had to read the letter whenever I finally got it. Today I have gotten more emails with pre approvals from Marcus. This to me is false advertising and I feel they declined my application based on my complaint.
|
| 11/29/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Goldman Sachs Closed my account for not apparent reason, i had called to verify my account information for them now keep in and have done nothing illegal have my account closed. I have been a account holder since XXXX of 2021!! I rarely ever used my account and i have some updated credentials such as a XXXX doing business as name or assumed name. I always have kept account in good standing.
I really did'nt remember my information and as i have said before i rarely used this account so it's been awhile for me to remember my information ( still not illegal ). So i contact Goldman Sachs to verify my account. When i finally did i logged in my account and checked my balances. today at XXXX. i was put on hold for XXXX min and transfered to their security dept I spoke with XXXX and she said she had to close my account i asked her why and she told me she coud'nt disclose that information to me.
I just find it supecious that they closed my account after me being an account holder for over XXXX years. and when i coun'nt remeber my information they closed my account.
|
| 03/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
Fraud was detected on my card on XX/XX/XXXX, unfortunately that was the same day that XXXX took over being the processor from XXXX XXXX. After waiting on hold for over two hours they ordered me a card, the card never came so they ordered another, that never came ... Bottom line is as of XX/XX/XXXX I still do not have a card. History shows card ending in XXXX on XXXX, card ending in XXXX on XXXX, card ending in XXXX on XX/XX/XXXX, which I am still waiting on. Trying to reach customer is an hour wait each time. I been hung on by CS reps, I ask to speak to a manager and they decline, say they will call you if they need anything. In addition the GM rewards associated with the account are all wrong on the statements. They also reduced my cash advanced limit from XXXX to XXXX, keep in mind my credit score is XXXX so why? I also have an issue with not being able to move around the website, even after logged in, without having to be sent an Authorization Code to view my account. This bank is not ready to be a processor of credit cards nor are the CS reps trained properly
|
| 09/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/2020 - I attempted charge for item online, but it was declined XX/XX/2020 - I noticed a charge on my new XXXX cycle for the amount of {$1000.00}. I contacted merchant to have it reversed, they declined.
XX/XX/2020 - I opened a dispute with creditor XX/XX/2020 - I contacted creditor for update, they stated that the dispute was in process and they claimed I would receive a provisional credit, but I never received one.
XX/XX/2020 - I contacted creditor to inquire about the provisional credit before I made my XXXX statement payment. I was told they would look into it and I was never notified or responded to.
XX/XX/2020 - After waiting several billing cycles and 90~ days from time of opening the dispute, I contacted the creditor for the resolution. They claimed I withdrew my dispute but offered no proof or any details of that claim.
They transferred me several times until they said they would pass it along to their manager.
I never received the item in question from merchant.
I also never received any sort of credit or reimbursement from the creditor.
|
| 10/31/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This dispute stems back from XX/XX/2022, I ordered 3D printer filament and used my apple card as payment. The filament was marked delivered by XXXX, but I never received it and my XXXX XXXX XXXX didn't show any delivery either. On the rare occasion this has happened to me, my credit card company backed me up because I truly never received the merchandise. Not to mention it was around holiday season which everyone knows delivery mistakes occur more around that time then regular. I have disputed it with apple card 4x and every single time they do not help me at all.
" Dear Apple Card, Not sure what information I can provide besides confirming that I did not receive the delivery as stated by XXXX.
I honest to god did not receive the printer filament that I ordered. It is demeaning to have to file the dispute several times because someone can not comprehend the item was misdelivered during XXXX time last year. Insane this is still pending, very dissatisfied with apple cards protecting my purchases.
Please let me know if you need anything else.
Best, XXXX ''
|
| 11/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American |
|
On XX/XX/19 I applied online for the new Apple Card managed by Goldman Sachs. I was shocked and disappointed that online I received the message that I would receive their response by USPS. I waited and waited for their response, and never received anything. Eventually after contacting XXXX XXXX at Apple, I did get an email resonse from Goldman Sachs saying they were denying my application for the Apple Card. I reached out to Goldman Sachs to discover their reason for the denial. I was told that the reason was that " I was too poor for any credit card. '' Finally I received an email about the denial. In the email the excuse for denying my Apple Card application was that " my monthly debt obligation was too high. '' I don't have any monthly debt beyond my rent payment. I have several credit card with a XXXX balance and a credit limit of between {$5500.00} and {$12000.00}. Apparently Goldman Sachs is the only company operating with this gender discrimination. Based on the current XXXX XXXX reports, I now believe that I have been discriminated based on my gender.
|
| 02/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX a Billing Error Notice & Request to Refund all credit balances in excess of {$1.00} ( Pursuant to 12 CFR 1026.11 Treatment of credit balances ) was sent to Goldman Sachs Bank USA, which was received by the recipient on XX/XX/XXXX, XXXX XXXX ( USPS XXXX # XXXX ). To date the documentary evidence requested has not been provided namely the XXXX accounting entries showing evidence of an actual debt owed. The only thing received were the same statements which contained the billing errors to begin with. No correspondence or communication in response to the billing error whatsoever.
Within the same notice a request to refund all credit balances in excess of {$1.00} was also included of which Goldman Sachs Bank USA has 7 business days to comply which it has not to date.
Furthermore, on XX/XX/XXXX a Bill of Exchange ( valued over {$91000.00} and clearable within the US banking system and for presentment to the UNITED STATES TREASURY ) was mailed and received XX/XX/XXXX, XXXX XXXX ( USPS XXXX # XXXX ), to date payment has not been applied to account.
|
| 11/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I was approved for an Apple store card on XXXX at XXXXXXXX XXXX MST, the very next morning I received a promotional email stating new Apple Card users that spend {$75.00} at XXXX stores on their new Apple Card before XXXX within 30 days of opening their Apple Card would receive {$75.00} cash back. In their fine print that i discovered it says only on new accounts opened on XXXX thru XXXX which is very misleading as the email offer states only that it must be purchased before XXXX and within 30 days of opening the account, which my account wouldve qualified for. Its false advertising and the fact that they sent me a promotion to my email for which I was already approved for the account the very next day, a promotion that I wasnt eligible for, is a total bait and switch and if people approved the day before like myself hadnt sought out the fine print, they wouldve made an unnecessary {$75.00} purchase to take advantage of the promotion only to discover they wouldnt receive the {$75.00} cash back. The promotion and the fine print are contradictory and misleading.
|
| 11/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I bought TWO XXXX but was charged for FOUR XXXX and I was charged for something I didn't buy.
According to the attached XXXX XXXX XXXX XXXX statement, there are TWO charges of {$2000.00}. One is on XX/XX/XXXX and the other one is on XX/XX/XXXX. These charges are for FOUR XXXX when I buy only TWO XXXX.
As of todat, I still have NOT received the purchase receipt yet.
Is it too much to ask for a receipt?
Several unsuccessful attempts have been made to contact both the XXXX, MN XXXX store and Apple card. I have no other choice but to report this to the CFPB.
In the attached XXXX XXXX XXXXXXXX XXXX, XXXX statement there are two different amounts of refunds.
The XX/XX/XXXX is for {$2000.00} and the XX/XX/XXXX is for {$2000.00} But in the same statement, there is a charge of {$2000.00} dated XX/XX/XXXX.
From these two XXXX XXXXXXXX XXXX statements there are TWO charges of {$2000.00}, one refund of {$2000.00} - so the two XXXX purchased had been paid.
ONE charge of {$2000.00} and ONE refund of {$2000.00} - A NET OF XXXX. I need explanation on this one too.
|
| 07/29/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I had an Apple Card since XXXX of last year which is a credit card which can be used via mobile wallet. In XXXX I discovered an identity theft issue with my Apple XXXX account where someone had opened a bank account under my name using my old drivers license from XXXX Nebraska. After I reported the identity theft issue to Apple my account number for the Apple Card disappeared from my wallet.I also received account statements without account number. Also my device got stolen. For the last two months Apple has refused to give me access to my original Apple ID account which I have been using for the past 7 years and has my personal pictures and data in iCloud back up. Also I was not able to reset my password even though I have my recovery phone. 3 of my Apple devices have been stolen after this incident including my Apple XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
I am still not able to access Apple Card account or use the physical card. I received an Apple Card statement after two months stating my payment was due. This has negatively affected my credit score.
|
| 04/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
XX/XX/2022 at XXXX XXXX ET, I've received a email from Goldman Sachs stating I was denied for the GM card by Marcus due to not being able to verfiy my identity. I called Godman Sachs and the customer service representative wasn't able to help me verfiy my identity they kept telling me to apply again and after doing so I kept getting the same email with the same information. Saying " We're unable to verfiy your identity ''.
This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.
|
| 12/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
Older American |
|
XXXX XXXX opened an Apple Card account and placed in their " XXXX '' electronic portal and is charging my XXXX subscription to the account, bypassing the XXXX XXXX account I established to pay Apple. On XX/XX/2020 I contacted Apple. " Apple Card : I never signed up for an Apple Card. I do not need another credit card. I have a XXXX credit card that goes with my Apple account ''. I am being pushed around between Apple and Goldman Sachs the card issuer. I have a trail of messages in which I made two request have the Apple card terminated. I paid pass bills via a check and requested termination of the account. XXXX XXXX XXXX charged the XXXX account and the Apple account. XX/XX/2020 I filed a dispute with the merchant Apple. I can not get the Apple card removed. The Apple Card is all electronic. I do not know the account number. I have no control of the card. I am requesting CFPB investigate the practices of Apple and Goldman Sachs. To repeat I never applied for an Apple Card. I never signed any documents agreeing to use Apple card. This is fraud in my book.
|
| 07/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
Received a Marcus GM card in XXXX. We paid the entire balance XXXX. ( XXXX XX/XX/XXXX ) Did not receive a statement in XXXX, finally called them and were told they were having trouble catching up with new customers, but were told our balance. It was paid in full XX/XX/XXXX. Our next statement had an {$80.00} finance charge, which we called and disputed immediately. On XXXX Marcus agreed to waive that {$80.00}. We paid the entire balance, minus the {$80.00} on XX/XX/XXXX. Our XXXX statement added the {$80.00} back in, plus charged us an additional {$63.00}. We spent many hours on the phone with both a representative and a supervisor ( XXXX XXXX and were told that they were crediting the {$80.00}, but that we had to pay the {$63.00}. No one could tell us what that charge was interest on, just that we had to pay it. We received a follow-up in writing stating that we owed the {$63.00}. After spending more than six hours on the phone with this company, we are done with trying to get satisfaction from them, and are filing complaints with all interested parties.
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to request the removal of a charge off from my credit report. The negative marks are having a significant impact on my credit score and decreasing my chances of being approved for loans, credit cards, and other financial products.
The charge off occurred due to a recent change in my living situation. Starting in XX/XX/2022, I was homeless for XXXX months and was unable to make payments on my account. As per UCC 2-725, this situation falls under the category of " impracticability of performance '' as my ability to fulfill my financial obligations was hindered by circumstances beyond my control.
I understand that charge offs can remain on a credit report for up to seven years, but I am hoping that the circumstances surrounding my situation can be taken into consideration. I have since secured stable housing and am working to rebuild my financial stability.
I appreciate any assistance you can provide in resolving this matter and thank you for your attention to this request.
Sincerely, XXXX XXXX
|
| 06/22/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XX/XX/XXXX, I opened a CD with Marcus.com, which came to maturity in 12 months.
The first aspect of the complaint is the emails received regarding monthly disbursements, as well as the initial email opening the account, and the final email alerting me to the maturity date and automatic renewal. All of these UNSECURED emails contained sensitive financial information, including the account number and various dollar amounts.
The second aspect of my complaint is the closing process of this account. Upon receipt of the final email, I called to express my dismay that the term total - interest amount of my CD was displayed in an unsecured email. To my further dismay, I learned during that call that the call I had made several days earlier to close the account was not being processed, and my CD was set to renew!
If I hadn't become aware of the potential security breach regarding my personal details, I would've been locked into another 12 months with Marcus.
This has been resolved, and Marcus has case # XXXX, created by XXXX, on file, from XX/XX/XXXX.
|
| 12/12/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I closed a CD account with Marcus by Goldman Sachs on XX/XX/2023, and asked for the funds to be sent to me via check.
The check was lost during delivery and I immediately placed a ticket XXXX weeks after I was supposed to receive it.
XXXX 's resolution was that I needed to wait for the original check to expire before they could send a replacement note.
When the check expired XX/XX/XXXX, I reached out to verify it will be sent. They said it will take XXXX weeks for a new check to be issued, so I asked for it to be wired to me via XXXX with an existing external account. They had to open a new Marcus account for me in order to make that transfer. During this time ( XXXX XXXX XXXX ), I called every three days to check on whether the funds will appear back on my dashboard. They responded each time that it will in 2-3 business days.
Since then, this new account was never funded ( XXXX business days after creation ). I am still waiting for all of my funds which they owe. This money also lost a lot of interest opportunity due to this XXXX month delay.
|
| 03/07/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I couldnt find any way to close my account on the Marcus by Goldman Sacks website. Then I spent several hours trying to close my account by phone.
The first person I talked to said the account couldnt be closed because I had recently updated my email address on their website. The next 2 people I talked to said someone would have to call me back and Id have to give them a one-time 4 digit PIN. The first time, I was told someone would call me as soon as our call ended. They didnt call. I called back after over 30 minutes. After being put on hold 3 times, I was told again that someone would call to ask for the PIN but this time it would take 20 to 30 minutes for them to call for the PIN. There was no call back for several hours. I cant hang around for hours and keep my phone line open waiting for Marcus by Goldman Sacks to call.
They also require me to be at home to sign for the check sent via USPS. That would certainly be another delay.
Seems clear that this is a runaround to avoid closing a CD thats paying only a third of a percentage point interest.
|
| 05/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
XX/XX/2022 at XXXX XXXX I've received a email from Goldman Sachs stating I was denied for the XXXX card by Marcus due to them being unable to verify my identity. I called Godman Sachs and the customer service representative wasn't able to help me verify my identity they kept telling me to apply again and after doing so I kept getting the same email with the same information. Saying " we're unable to verify your identity '' .This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The XXXX XXXX added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.
|
| 10/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I purchased a new computer from the Apple Store using the Apple Card by Goldman Sachs expecting to receive the heavily advertised 0 % financing offer. Instead the charge immediately began accruing interest.
I contacted Apple Card support and they told me I could either return the computer ( which was needed ) and repurchase the item or have a manager fix it. I asked for the latter and received no response for several weeks. At that point I called again and was given the same options. Once again I selected the latter and once again received no response.
I called a third time and when offered the two options decided to try option 1. After waiting on hold for over 30 minutes I was told that option was no longer possible due to the time that had passed. Back to option 2. This was 2 weeks ago and I have yet to receive a response.
I normally pay my bill in full every month and was assured that the interest charges would be reversed. I have now been charged in excess of {$100.00} in interest and have lost hope the issue will ever be resolved.
Thank you
|
| 09/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Hello, I have Apple card, it is issued by Goldman Sacks.
2 weeks ago, on XXXX os XXXX, Apple put restrictions to my card and did not explain anything. they do not allow any transactions, and I got several subscription services in jeopardy because of non-payment. my credit score is XXXX.
I chatted with apple card support several times and tried to get any information about what is going on - they ignore me. they only write " we investigate the matter ''. I paid in full before the monthly statement to avoid any hassle and decided to close this account out.
They never responded what kind of matter they investigate, and worse - they do not allow me to close my account out.
two days ago XXXX refunded XXXX USD to this card and current balance is negative, technically, they owe me money, but they ignore me anyway. they do not respond to chat, they do not provide a call number for a call and they keep my money.
I want to get rid of this nonsense card, but they do not allow me to close it, although it is they who owe me money.
Apple card is a fraud.
|
| 10/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I recently applied for and received the Apple Card, issued by Goldman Sachs. One of the major benefits touted on Apple 's website is the ability to pay for Apple products over time, in an installment plan method, whereby the consumer is charged the taxes and fees upfront, and then the remainder of the purchase price is amortized at no interest over 6-12 months.
I recently purchased a qualifying Apple product on said installment plan, however I found the full amount was being dinged against my available credit. After speaking with Goldman Sachs and Apple, it appears they find this to be normal and that the full amount will remain against my available credit until I pay down the installments. This is obviously not how an installment plan works, nor more importantly, not in any way how it is advertised. I basically got the Apple Card to use the installment plan feature of the card, and now I find out it's basically a lie and the full amount will be dinged against me. Please force them to stop XXXX. I literally would not have gotten this card otherwise.
|
| 12/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2022, I was charged {$470.00} on my GM Rewards Card with Goldman Sachs. It was an unauthorized and fraudulent charge. I have been trying to resolve the dispute with Goldman for a year and a half at this point and they are still forcing me to pay a fraudulent charge. The merchant is listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX. I would like this investigated and resolved. Goldman has refused to help me, is making me pay a charge that I didnt authorize. All I want as a consumer is to not be forced to pay for a charge I didnt authorize. Theyve asked me for evidence to prove this is a fraudulent charge. I have never been asked for such evidence by a credit card company. How am I supposed to provide evidence for a charge I didnt authorize? Goldman has made me go on a wild goose chase for XXXX years. I want it to stop and I want the credit card issuer to cover this fraudulent charge, which I didnt authorize. If a credit card company refuses to cover fraudulent charges of its consumers, it shouldnt be in the credit card business
|
| 06/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On Saturday XXXX, I purchased a XXXX XXXX computer at the Apple Store located at XXXX XXXX XXXX, XXXX, CA XXXX in the amount of XXXX utilizing the installment plan utilizing my Apple Card through Goldman Sachs Bank.
On Sunday XXXX, I visited the Apple Store located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I provided the store with my older XXXX computer in which the employees stated that I would receive a credit of XXXX dollars that would be applied to my remaining balance of the computer I purchased the day prior in XXXX.
Yesterday, XXXX, I received a refund of XXXX that was placed back on my Apple credit card, instead of being applied to my remaining balance of XXXX. After paying now an already owed balance for other purchases on my Apple Card, I no have a +balance of XXXX.
I contacted Goldman Sachs and Apple requesting that the positive balance can not be applied to my current purchase of XXXX as initially told.
I am requesting that my positive balance be placed in my bank account, or, applied to the remaining balance of XXXX.
Thank you.
|
| 09/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My name is XXXX XXXX and I am writing this complaint myself against Goldman Sachs.
On XX/XX/XXXX Goldman Sachs was asked to Validate a Debt pursuant to FDCPA 15 US Code 1692 via USPS Certified mail # XXXX XXXX XXXX XXXX XXXX. In this They chose to remain silent and did not validate my request so I sent them a Notice of Default on XX/XX/XXXX via USPS Certified mail # XXXX XXXX XXXX XXXX XXXX. In both notices I asked them to stop all collection attempts via phone or electronic. Since that notice received by them I have received phone calls every day from their customer support center in regards to my bill. Per 15 USC 1692d ( 5 ), a debt collector may not cause the phone to repetitively wring and 1692c ( c ) a debt collector may not contact you after you have asked them not in writing, Goldman Sachs has broken the law and is liable to XXXX worth of damages per 15 USC 1692k for calling XXXX XXXX repetitively.
Goldman Sachs has also broken other laws according to the Fair Debt Collections Practices Act.
All of this is documented in the attachment.
|
| 11/29/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
This is concerning an estate account held with XXXX XXXX that had a CD invested with Goldman Sachs.
The estate account was created in XX/XX/ ( from a longstanding individual account at XXXX XXXX ) and Goldman Sachs wouldnt redeem the CD to the beneficiaries until just a day ago, XXXX XXXXXXXX The other banks CDs were redeemed at the end of XXXX.
XXXX XXXX said they had no recourse or contact information for Goldman Sachs. I tried various contact numbers directly with Goldman Sachs to no avail.
I believe Goldman Sachs was intentionally delaying the redemption given the CD was at a low rate, 2.25 %, while current CD rates are around 5 %, so to their economic advantage at the expense of the estates beneficiaries.
Are there any timing regulations for redeeming estate account CDs by the banks? How can there be no transparency on the process when inquiries are repeatedly made? What recourse should there be?
This complaint is to bring to your attention the unacceptable practice by Goldman Sachs as well as XXXX XXXX indicating they had no recourse.
|
| 09/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
In XXXX of XXXX my XXXX was stolen. On this XXXX had all my personal information including my SSN, address, and account information. No accounts had been opened during the first 2 months so I assumed everything was fine outside of a compromised Apple XXXX. On XX/XX/XXXX I got an email from XXXX saying my Apple Card had been closed, so I immediately called Apple because I know I did not open another credit card, especially with them. Come to find out, the card had a bill over XXXX so I immediately opened a dispute. The agent even told me that someone was making payments on the account, so why not just trace the account that was making the payments and confirm that the bank account does not belong to me! After months of trying to get them to receive my documents, they finally come back and tell me I am responsible for the account but did not include how they came to that conclusion and what information they investigated in order to hold me liable. I sent in a police report, identity theft report from the FTC, proof of identity, and bank statements.
|
| 12/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I opened my Apple Credit Card by Goldman Sachs in XXXX.
On XX/XX/XXXX my IPhone was stolen which I reported to the bank right away.
Fraudster and scammers used my virtual Apple Card to shop online and phisical stores, adding more than XXXX dollars in fraudulent charges. After reporting and claiming Goldman Sachs why this happened if I had already called to block the card they confirmed that they will block the virtual card and I could use my phisical credit card which I still have. I was even able to go to our neighborhood poultry and buy some fresh chicken with the card.
Couple of days later Goldman Sachs has closed my credit card account and they say that I will need to reapply for a new card if I want so, however this is not a guarantee that my credit card and credit limited granted before will be the same or honored.
I find this situation very deceptive and demeaning since closing my account will affect my credit score and history.
Since I was stolen my iPhone and all those charges are unauthorized I would like to know my rights please.
|
| 10/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I requested information from both Apple Card and Apple Cash on why I am not being able to access or redeem the {$25.00} Apple Card Family promotion that was deposited by Goldman Sachs in my Apple Cash account on XX/XX/2023.
I spoke with several Apple customer service representatives and supervisors, and explained that I can not see or access the {$25.00}. Furthermore, I noted that I had filed a complaint with the CFPB against Goldman Sachs and received a response stating that Due to a system error, the {$25.00} was not added to the Customers Daily Cash balance within 7 days of the posted transactions as stated in the terms of the promotion. The Bank confirmed {$25.00} was added to the Customers Daily Cash balance in relation to the referenced promotion on XX/XX/2023.
I contacted Apple multiple times seeking a resolution, to no avail ; eventually I was told by an Apple representative that Its ONLY XXXX dollars!!
The delay tactics by Goldman Sachs and now by Apple is beyond frustrating. This should never be allowed to happen to any customers.
|
| 03/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I disputed a charge incurred last XXXX when I attempted to purchase some sneakers from what turned out to be a fraudulent vendor. The {$130.00} purchase was made on my Apple Card through XXXX and the bank is Goldman Sachs. I have tried several times to resolve this dispute by presenting relevant documents, and by numerous phone calls.
The vendor eventually supplied their own damning evidence by providing a delivery notice.
The notice was attached to a '' proof of delivery '' which clearly demonstrated that there was no delivery -- no address and a phony name was inserted where my name should have been. Despite this Goldman Sachs can not resolve this matter. I have lost faith in their investigators. They continue to harass me and ask for more documents. I've told them to resolve this in my favor or I will cancel my account. You'd think they would realize that I would hardly go to this trouble if I was guilty of receiving the goods and lying about it.
I ask that you tell them to read the docs and get their heads out of their rears!
Thank you
|
| 10/31/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I closed my CD with XXXX XXXX on XX/XX/18 and was using the fund for purchase of a home. During my new loan underwriting process, I was asked to provide source of fund which required me to get a transaction history of my closed CD. Since the day I closed the CD, I was not able to view the CD on my online account and when I called XXXX XXXX XXXX, they said I have to wait for the monthly statement on XX/XX/18 in order to see the transaction. I asked if they can restore my CD account online and they said by policy they can not. They also did not give me a verbal warning when I closed the CD that I would lose my online access to the account.
I am risking to lose my initial deposit of this new home purchase if the new loan is not processed on time, and the fact that I am not able to access my own personal information in any shape or form between account close ( XX/XX/18 ) and the new statement date ( XX/XX/2018 ) is not acceptable to me. I should be able to obtain the transaction history any time I would like even the day after my account closed.
|
| 03/04/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
|
|
Web |
|
|
I called my bank and asked them to do a balance transfer on my Apple credit card in the amount if {$2600.00} on XXXX. The transaction was processed on XXXX yet the transfer did not reflect on my Apple credit card. I called on XXXX to find out why. The representative told me to wait a few more days for it to post. I called again on XXXX since the credit still has not posted. The representative told me Apple does not support balance transfers. She filed an internal complaint on my behalf and told me it could take anywhere from 10 to 30 days before anything happened. It has already taken nearly a month and Apple has still not applied the credit to my account. Because of that I am still accruing finance charges and having to make monthly payments on a balance for which funds were received. Yet in order for the transaction to have posted to my lower rate credit card with my bank, Apple had to have received the funds. How can my bank send them payment for the debt and Apple accept the monies and still collect finance charges and payments for it???
|
| 08/03/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Complaint against Marcus Goldman Sachs online savings bank.
I was trying to open a Marcus Goldman Sachs online savings account. I completed my application by entering my name, address, date of birth, social security number, etc. However, my application was declined for no apparent reason. So I decided to place a call to its customer service in an attempt to find out why. I was told by a supervisor that the reason my application was rejected due to them unable to verify my identity. When I offered to provide my state ID to confirm my identity, they refused. The supervisor said Marcus does not perform additional identity verification check. That seems strange to me. Why a bank does not want a customers money? Why they dont even try to verify applicants identity? All of the information I provided are sensitive personal information which can be used to commit illegal personal identity frauds. I suspect this online division of the banks real business is collecting peoples personal information then later sell it for money. Please investigate.
|
| 10/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
I have a complaint # XXXX that was closed, however the issue has not yet fully been resolved. I was dealing with XXXX and she was helpful, but needed to follow-up after XX/XX/23 to finalize issue of interest fee charges. She called after business hours, as they always do and I repeatedly told them they must call during hours of operation so we can address this business account properly. I tried to call the main number back to leave a message for XXXX and was told they have no way to get message to upper management who is working with me.
-I never received last months bill in the mail and never got a response as to why. They continue to not send invoices, then charge us interest and late fees. Can't rely on online statement because when I access my account online, it shows double billings- have not gotten a return call to address this issue.
-Just printed out my last months bill and found more interest charges that need to be resolved.
This is a continuation of the first complaint and need an upper mgmt person to contact me at XXXX.
|
| 11/23/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
This is my second complaint about Goldman Sachs for the same reason. With a clean credit report and a credit score of XXXX I should not get denied an Apple Credit Card. They did NOT address the issues. I've called them several times to speak to someone and they give me people who do not have access to my report. XXXX called me back onXXXX and left me a message. I could not get back in touch with her because she only left the main number. I've called on XX/XX/20 & today XX/XX/20 at XXXX XXXX and they are not able to help. My information is obviously getting crossed with someone else 's. I called the credit company XXXX and there is nothing wrong with my report I went over it with XXXX line by line and it is clean. But, Goldman Sachs says I have three different issues. All outlined in my previous email complaint, all are not correct and not in my credit report. They are canned responses that they sent, not relevant to my credit report. Please take a look into my CORRECT report as you will see it is clean. This is obviously a big mistake.
|
| 04/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
My fianc has an Apple Card and added me as an authorized user. Apple sent me a physical card and also created a virtual card in Apple Pay for me to use. The Apple Card does not have the card information printed on it - that information is stored in the virtual Apple Card in the iPhone wallet. I am unable to view the card information in the virtual wallet due to an error that Apple is aware of. I have communicated with Apple support over the last 3 months and no resolution has come for this issue. Therefore, Im unable to view or know my Apple card #, expiration date and CVV. Im unable to use the card to make online purchases or any purchases requiring that information. I have communicated with Apple support over chat, over the phone, sent diagnostic reports to support and allowed them to remote into my phone to investigate and to take screen recordings. There has been no communication to me with an ETA on when this issue will be resolved. I need to be able to view and access this information in order to have full use of the credit card.
|
| 05/11/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I XXXX XXXX XXXX XXXX state to the best of my knowledge and abilities that the below statement are true. As my written affidavit.
I XXXX XXXX have a saving account with Marcus Goldman Sachs account number XXXX or XXXX Date of birth XX/XX/XXXX SS last XXXX XXXX I first had problem logging into my account Then I request for XXXX XX/XX/XXXX to be transfer to my card. I ; : m being told by Marcus Goldman Sachs they must send me a affidavit to my old address I no longer reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I inform them i ; : m no longer at that address. I ; : m in XXXX and need it to be sent here in XXXX I should be able to send them a copy of my government issue driver license front and back to their verification department with a sworn statement even a picture with me holding my identification up to my face.
I get this with XXXX banking now this. Banking account. As if someone is tracking malicious attempt to keep me from having access to my own banking account funds and information.
Embezzlement of consumer banking funds
|
| 01/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I have a apple credit card from Goldman Sachs. In XXXX I made a purchase from Apple.com using this card. In XXXX I returned the products and Apple refunded me in full amount. When I made the purchase, I have 3 % reward cash from the credit card. When I got the refund, Goldman Sachs took back the reward cash.
Now I have a balance due on my card, whose amount is exactly the 3 % reward cash. I called the customer service asking why. The representative told me that the balance was the reward cash issued to me and I need to pay it. However, Goldman Sachs already took the reward cash back when I returned the products. They still asked me to pay for it.
I made a purchase using the card, then got the reward cash. Several days later I made a return and got the refund. The credit card company took back the reward cash. Now they are asking me to pay for what they already took back. In other words, I made a purchase and then made a return, got nothing, but still need to pay for the reward which they took back.
This is definitely not correct.
|
| 06/05/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/2023, I deposited more than {$10000.00} into a new account with Marcus bank, acting upon their offer that guaranteed a {$100.00} bonus for opening the account, provided the balance exceeds {$10000.00} and is maintained for a period longer than 90 days. Despite fulfilling these criteria, the bank refused to award the bonus as promised. This has not only happened to me, but I'm aware of other customers who have faced the same issue.
In an attempt to resolve this issue, I contacted the customer service of Marcus bank on three separate occasions. During the first instance, the representative inaccurately stated that my account balance needs to be more than {$25000.00} to qualify for the bonus, which contradicts the terms that were originally communicated to me. The second time, I was informed that my case had been filed for review. In my third interaction with the bank, I read the terms of the agreement to the representative who acknowledged my point but subsequently ended the call abruptly without further addressing the issue.
|
| 05/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
On XXXX XXXXXXXX XXXX, my account with Goldman Sachs ending in XXXX was closed. A dispute was opened on XXXX XXXX XXXX but the dispute was reversed after the account was closed. I have received an egregious number of emails stating that I still owed.
However, per the conversation with Customer Service Rep Apple Card account on XX/XX/2023 payment made for XXXX from XXXX XXXX XXXX XXXX Transaction number is being sent via email as per XXXX EmpID # employee didnt confirm nor supply her employment number. Stated the account was paid in full and was closed. Service Rep fail to confirm if any other disputes charges or transactions occurred. On XX/XX/2023, after the account was closed. Notification was received stating a total of XXXX was due. I'm requesting to have investigation launched to find out why the account is being collected on and they are lowering my credit score. I am being targeted as in spite of retaliation because I no further want to conduct business with this bank. I have told them on several occasions not to contact me.
|
| 12/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
Marcus by Goldman sold their loan portfolio to XXXX XXXX XXXX in 2023. This included my personal loan which never had any repayment issues and was actually ahead of repayment schedule. Original Amount XXXX, current balance < XXXX.
I was never contacted by MARCUS to advise they'd be selling my Social Security Number, Date of Birth, Mailing Address, Employment History and personal banking information to a Third Party with a background in Debt Collection ; I want no association with such a lender as I maintain XXXX - XXXX XXXX Scores across multiple agencies and would see business with XXXX as negative information on my reports due to association with a known debt relief/credit repair/credit collection firm.
All I want to do is payoff MARCUS and not have any financial connection to XXXX XXXX XXXX, as I do not appreciate their business model and I never requested their service ( s ). MARCUS never notified me, their customer, and did not protect my PII from a 3rd party with an unsecure website. Just waiting to be scammed from this.
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
LISTED WITH XXXX APPLE CARD GS BANK USA, OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX LISTED WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLE CARD GS BANK USA, OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX LISTED WITH XXXX XXXX XXXX I OPENED XX/XX/XXXX APPLE CARD GS BANK USA, OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX ALL THE ACCOUNT LISTED I HAVE DISPUTED AND ALL THEY HAVE ALL REMAINED ON MY CREDIT REPORT, I HAVE REQUESTED VALIDATION OF THE DEBT AND COPIES OF SIGNED CONTRACT AND NON OF THEM HAVE COMPLIED. THE COMPANIES HAVE EITHER SIMPLY STATED THAT ITS VALID WITHOUT ANY DOCUMENTATION TO PROOF IT. I HAVE ALSO CALLED EACH OF THESE CREDITOR TO LET THEM KNOW IM THE VICTIM OF IDENTITY THEFT WITHOUT ANY HELP
|
| 05/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Goldman Sachs is giving insanely hard time trying to resolve a dispute against a XXXX charge on my Apple Credit Card from XX/XX/2022 ( latest dispute reference XXXX ). I only receive automated email requests from XXXX requesting same information over and over again and despite providing evidence supporting my case each time, the dispute goes nowhere. Unfortunately, XXXX ended up being a shady store and they just ordered the purchase I made from XXXX to my address under their account from XXXX. XXXX arrived in XXXX box and all, despite being XXXX purchase from my end. Furthermore, the item ended up being slightly different from what was listed on XXXX and consequently I returned it as per XXXX policy ( tracking number and return policy already provided to Goldman Sachs ). XXXX then refunded the charge to whatever payment method XXXX used to order the item to me, but XXXX never issued a refund to me as their customer. Now I am out of money and out of the item ordered and Goldman Sachs is not helping me to dispute this for a refund.
|
| 08/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American |
|
Dear Sir/Madam, I am writing to file a formal complaint regarding the recent restrictions imposed on my credit card account with my Goldman Sachs XXXX Apple Card XXXX I have been facing significant challenges in using my credit card for the past couple of weeks, and I believe these restrictions are unjustified and detrimental to my financial well-being.
I want to emphasize that I am a XXXX citizen, and these financial restrictions have caused undue stress and inconvenience to me. My XXXX XXXX and fixed income make it essential for me to have access to my credit card to cover daily expenses, emergencies, and various other essential purchases. Unfortunately, I feel that my circumstance as an older individual may have been taken for granted, leading to the current situation.
It is important to note that my credit card account is in excellent standing, with no outstanding balance due. I have maintained a timely payment history, and my creditworthiness should not be a factor in the restrictions that have been placed on my account.
|
| 01/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I applied for an Apple credit card, through Goldman Sachs, around XX/XX/XXXX. When I completed the application on line, it stated that the interest rate would range from 10.99 % to 21.99 % depending on credit rating. I was not advised of the exact rate until after the card was in my possession and the card was enrolled in Apple Wallet. At that time, I discovered I had been assigned an interest rate of 21.99 %. My credit score was and remains over XXXX.
I called Goldman Sachs on XX/XX/XXXX to inquire why they thought it was appropriate to charge the maximum and to ask what they would charge someone with a lower credit score. The customer service representative ( CSR ) told me I would need to take that up with the credit rating company, such as XXXX XXXX, to which I replied that the bank sets the rate, not the credit reporting agency. Despite numerous apologies for the 'inconvenience ', Goldman was incapable of speaking to the issue, even though I was put on hold several times for the XXXX XXXX consultation with the 'supervisor '.
|
| 10/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/21 made a purchase of {$240.00} on XXXX after receiving the items I contacted customer support about not disclosing the item ( XXXX XXXX ) wasnt supported by XXXX on their site until we saw a sticker on the box they said it was supported after communication I offered to send a video of the item not working since it was defective they offered to exchange it however it cost {$220.00} to ship it out to their company in the XXXX Ive tried disputing it with my card company and the first was denied I only wish to dispute {$170.00} of the {$240.00} for the item they know i received defective. I dont think its fair that Im stuck with an item that doesnt work I dont have {$220.00} lying around to ship it back out I dont see why they cant provide a label after acknowledging their item doesnt work. I would greatly appreciate any help I could get with this matter. I wanted to return other items with this order as well confirmation of my return request was XXXX. If its not possible to return I at least want to dispute the defective item.
|
| 07/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
Goldman Sachs/Apple Card suspended my account and locked me out of it for reasons unknown. This has been going on for weeks. When I contact them they say my account is under review and someone will reach out to me. I've never missed a payment and rarely even use the card.
Since my account is locked I have no access to my account at all, not via the Apple " Wallet '' portal they make you access your account from, nor online. I can not see if purchases are being made or when my payment is due, nor can I make a payment on the account.
I don't know when my payment due date is or if I'm going delinquent on the account, I may have been assessed late charges already but do not know as I can not access my account at all.
This is a terrible consumer business practice and will cause many consumers financial harm in the form of late charges, possible over limit fees, and potential delinquency on credit reports. And, Apple/Goldman is making more interest on the account since I can not make payments at this time since they locked me out.
|
| 01/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Good evening, I have been having tons of issues with the Goldman Sachs Apple Card. They closed my account in 2022 with explanation that I have filled for the bankruptcy. I called them on multiple occasions to let them know that I never filled for bankruptcy, which could be verified with the courts. However, after so many calls to the card issuer, they sent me letter on XX/XX/2022 explaining that they will issue the adjustment of {$2300.00} and credit in the amount XXXX if I open new account. I have called the bank again, and they admitted they made a mistake, and that someone else had similar XXXX as mine. Now, months later the bank keeps calling me, and trying to collect {$2300.00}. They are stating they have no recollection of anything being sent, or that I have spoken to someone. In our conversation I advised them that I will report them to CFPB, and they did not care at all. I guess they are not aware what CFPB stands for. Can you please advise? I have attached letter that was sent to my personal email.
Sincerely, XXXX XXXX
|
| 07/12/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American, Servicemember |
|
I had an On Line Savings account and a CD account with Marcus by Goldman Sachs. I decided to close these accounts in XX/XX/XXXX. There was no response from Goldman Sachs. After much effort and many pointless long phone calls, Marcus by Goldman Sachs eventually closed these accounts and sent me checks to cover my full refund in XX/XX/XXXX These checks were sent to XXXX XXXX XXXX XXXX who refused to clear these them and returned them. XXXX XXXX XXXX XXXX, did not clear the checks due a MISMATCH between the FRACTIONAL NUMBER and the ROUTING NUMBER on BOTH checks. I sent all details for the non clearance of the checks including a notarised affidavit to Goldman Sachs and requested they issue new and good checks. I have followed up by many phone calls but to date I have not received replacement checks. I seem to get nowhere beyond 1st base and speak to an agent who has no responsibility other than to say, Ive reported the situation to a specialist who will respond in 5-8 working days. I seek and am grateful for any advice and support.
|
| 07/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
on XX/XX/2022 my XXXX rewards card- marcus by goldman sachs card was declined at a gas station. i called to see why and was told it was for non payment of my XXXX bill. my bill has been paid through auto pay from my checking acct since XXXX of XXXX i did not take it off of autopay ( it has since been put back on autopay ), so someone or their system must have taken it off autopay. the girl i talked to waived the {$29.00} fee for not paying my bill, but could not remove the interest of {$24.00}. she said i would have to file a dispute. i filed the dispute on XX/XX/XXXX and got a response on XX/XX/XXXX saying they found no errors and would not remove the interest. on XX/XX/XXXX i filed another dispute over the phone and they responded on XX/XX/XXXX saying they would not remove the interest charge.
on XX/XX/XXXX i tried to email the company directly, but they were having web issues and it told me to try again in a couple hours.
marcus recently took over the XXXX rewards card this year. i received my first bill with marcus in XXXX
|
| 03/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with cash advance
|
|
Web |
|
|
XX/XX/2021, {$9700.00} was supposedly sent to XXXX credit card ending in XXXX. The balance was less than that but Marcus would not accept the other credit card so I added it to this and XXXX said once they received the funds I could do a balance transfer.
The funds have not been received by XXXX now I have 2 credit cards that are ruining my credit that should have been paid.
I contacted Marcus by Goldman Sac XXXX and was continuously told that it cleared on their end and to contact XXXX. XXXX states they have not received it and wants a paper copy of transaction sent to a fax number or their mailing address which they provided. Marcus rep XXXX, myself and XXXX have been on three way calls and nothing can be done without this confirmation.
XXXX was the processer that Marcus used and is not cooperating with Marcus, XXXX or myself with supplying this information, What should have been a great move has turned my credit score from XXXX to XXXX in two months and I still do not have the funds. 14 more days and it will be 90 days.
|
| 03/07/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
|
|
Hi, I called Marcus by Goldman Sachs as we have 3 Certificate of Deposit accounts with them, each with approximately {$100000.00}.
I had called because I wanted to make sure I was added as joint account owner on these CDs with my wife. She had opened them after prior CDs ( where we were joint owners ) had expired and thought she had designated these accounts as joint accounts as well.
However, the Marcus Customer Service representative, XXXX from XXXX, TX, refused to to do this, and would not tell me why, even though we had prior CDs with Marcus where I was joint account owner.
I am concerned about this because this means my wife is over the {$250000.00} FDIC insurance limit, which makes me feel unsafe.
I was also surprised that Marcus and Goldman Sachs REFUSES to be more transparent as to why they can not make this change - the representative only said he can not do this, refused to let me speak to a supervisor, and refused to offer any explanations.
Therefore I am asking the CFPB to put Goldman Sachs in their place.
|
| 12/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Servicemember |
|
Goldman Sachs 's AppleCard. Is it a scam? In the number of times that I've applied for this card, the application comes back declined due to ineligibility. I've read the eligibility requirements and found that I've met eligibility requirements the whole time to apply and reapply if I believed there was an error. Then it gives me another denial reason of, " you've applied a number of times and we can not verify your information at this time. '' I've talked with their customer service representatives just to have them state previous reasons for denial, different from the reasons I receive on my end. I ask them if they needed my assistance in verifying information required in order to possibly receive a more favorable decision, they said it has something to do with the way the information is presented on my application. My application is prefilled for me through my phone 's memory and do not see any mistakes so how am I ineligible or unverifiable when my credit is better than it was upon prior approval? Credit score is XXXX XXXX.
|
| 02/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
XXXX XXXX sold the XXXX buy power card to Marcus Goldman Sachs. On Saturday none of my cards worked called XXXX XXXX and was told to call Marcus Goldman Sachs. Called and was put on hold for over 30 minutes than disconnected. Called back to a recording that now says they wont help XXXX XXXX customers until the 22. Called on the 22nd where I waited 3 hours for a call back only to be told in that call back that my account didnt fully transfer and they dont know why. Try to log in at XXXX to a page that says they need info and to call them. Call them to 3 hour hold times. Was told I will get a call back from a manager in 24-48 hours but I doubt it. Meanwhile XXXXl XXXX closed my account which was my longest open account at 15 years and due to the age of that card and my available credit sinking my credit score dropped 40 pointsgreat since I never had a late payment and paid the card off weekly. This is a terrible rollout and expect a class action lawsuit. Signed up for a XXXX card with citi. XXXX and XXXX XXXX should be ashamed.
|
| 05/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
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|
Last year i applied for financing with XXXX ( XXXX XXXX XXXX XXXX ), after losing my job. With my wife and son in school i wanted to try this since it had a money back guarantee. They sent me a link to XXXX XXXX who in turn went to Marcus Goldman Sachs to get a personal loan to pay for access to XXXX. They scammed me out of the money and the company disappeared then re-emerged this year same title. I never spoke to anyone accept the guy at XXXX and he ran my credit and the money was in my account same day. No Questions asked and i presume that XXXX and XXXX are in close proximity as well as Goldman Sachs. XXXX was supposed to give me my money back within 6 months if i didnt break even. I asked Goldman Sachs about writing the loan off and then going after them with an attorney but they just gave me the run around. XXXX was non negotiable when asking for my money back after they bellied up 2 months into my initial 6 months. Came to find out they knew about taking it down 2 months before the guy signed me ( XXXX XXXX XXXX XXXX ).
|
| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I applied for a truck loan with XXXX XXXX last week and I was approved. I never had any issues with someone trying to obtain credit under my name before I applied for a car loan.
I got an alert that someone applied online with Apple with Goldman Sacs or a Apple credit card which I never applied for. I called Apple letting them know this and to close down the account, they would not and gave me the worse customer service I have ever had. They told me I needed to file a police report to get this taken care of.
I called XX/XX/XXXXto get this off my report, but they said I needed to get a hold of CFPB to file a complaint first to get it off.
I had this same issue with XX/XX/XXXXand XXXX XXXX, and I called up both companies, and they told me they will send me a letter as well as send a letter to the credit bureaus to take off the inquiry, so they were very helpful, but XX/XX/XXXX and Apple/Goldman Sachs was not.
Please have the hard inquiry with XX/XX/XXXX taken off of my credit report as I did not apply for an Apple Card.
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| 12/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
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I was accepted to us the my apple credit a couple days ago and was told it was ready for immediate use and my daily limit is {$3500.00}. It is one week before XXXX time so I began to make some purchases which was the whole reason for me getting the card. I used my card at a local gas station for a small purchase and it went through but for any large amounts the card would not go through. When I called to speak with a specialist I was told all the declines transactions were cleared and Im able to use the card now. Tried it again and no luck so I called back again to be told there was some Id verification issues which he fixed and it was easy for use again. Tried it again and still no luck. Called back a specialist only to be told nothing it wrong with the card it should be ready for use but it isnt working and no one seems to know how to fix the issue. This is big inconvenience to me because I got a credit card I can not use when I specifically got it because XXXX is next week. Any help would be greatly appreciated thank you.
|
| 10/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I was scammed by offshore XXXX XXXX for over about {$11000.00} and the website doesn't exist anymore XXXX I had begun my dispute processes for over 6 months now and they have only resolved 2 disputes in my favor so far with case numbers : I was also scammed by XXXX which is a XXXX software company that provided fraudulent claims about their softwares that seem to work and make money. All was fluff for sales, basically a scam. They have again resolved only 2 disputes in my favor so far with these case numbers : XXXX & XXXX.
I was lastly scammed by a XXXX based software company that also has claimed to be the best software that trades the XXXX market for you called " POW '' All these scams are obvious and they are known, I personally had no idea but to try them all out and literally lose much more money than even the investment itself yet the credit card company ( XXXX 's credit card provider ) always resolves the disputes in the merchant 's favor even when they're common sense and obvious scams that are well known by now.
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| 12/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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Web |
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Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
Please send me a copy of the credit application/contract bearing my signature associated with my account, with no information redacted, NOT my cardmember agreement but the signed contract.
I understand that under the Truth in Lending Act, Fair Credit Reporting Act and Consumer Credit Act, I am entitled, as a signing party to the contract/application, to receive a copy of any credit contract and a statement of account when I request it.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation and am in a contractual obligation.
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| 11/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I filed a dispute thru my Apple Card for a charge from XXXX on XX/XX/23 in the amount of {$8200.00}. The dispute reached the merchant XXXX immediately, in which their client XXXX XXXX did not contest the dispute and agreed to return the funds to my credit card. This was acknowledged on XX/XX/XXXX per the attached email trace between XXXX and XXXX Risk Operations.
This email was furnished to me directly from XXXX client XXXX XXXX.
To date, Goldman Sachs - Apple Card has not resolved the dispute in my favor and provided a permanent credit of this amount per above. After placing serval calls to Goldman to check the dispute status, everyone has told me that there has been no updates from XXXX on this dispute, however this is incorrect. The funds should have immediately been returned to my credit card as per above.
2nd attached email from me contacting XXXX on XX/XX/23 confirming that they returned the {$8200.00} to Goldman Sachs Apple Card to m return to my account, yet Apple Card has not done this. Where is my money????
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| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have received a copy on my consumer reports, and I notice this company have still furnished to the consumer reporting agencies transactions that are excluded by law as per the FCRA 15 USC 1681a 2Ai.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that is used to calculate a consumers credit score is not a factor where the consumer report is concerned!
Pursuant to the FCRA found in Section 607 ( a ) a data furnisher must provide accurate information to CRA 's. The account with this company has been charged-off, which is a cancellation of debt, which is now income, and according to the IRS, income is excluded from the consumer report. This company is in violation of the law. Please find attached document that further prove my claim.
|
| 04/01/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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I returned an XXXX XXXX on XX/XX/2022 XXXXAPPLE CARD indicated that the item was not returned so the device was put into installment payments thus preventing me from being able to clear it to zero balance. Apple retail has not helped and became complicit and deactivated my Apple -ID for no apparent reason so I am stuck with a deceptive positive balance on the Apple Card... .I sent documents that item was returned but they refuse to clear the APPLE/CARD and take it out of installment payments-APPLE/CARD Had also reported a XXXX XXXX alert to the 3 credit bureaus lowering my credit score 30 points-though there is nothing owed on this card ... APPLE owes me XXXX Apple Retail and APPLE/CARD has not responded accordingly even though they sent emails -No calls have showed up my caller ID -Some calls came in but when answered they would hang up-Apple and Goldman Sachs has avoided my attempt to correct the transaction behavior they altered and modified! I have run out of options and my mental has deteriorated since this occurred.
|
| 08/01/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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Web |
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I recently went through a divorce and moved all of my money from my joint account to my new Apple Savings account. I transferred XXXX to the apple account with no problem.
I closed my joint account with my Ex wife and set up a new XXXX XXXX account - I tried transferring my money from Apple to XXXX and my account was locked.
I called many times and have been told it's a confirmation issue. They told me that my number and name were not linked and that I needed to chat to my carrier. I chatted to my carrier and they confirmed that my name and number are linked.
I called back several times and have been greeted with different answers - That they can't confirm my number, that my name is linked to an OLD apple joint account with my ex wife ( which she closed ) and that I just have to wait until I'm called back as my funds are frozen completely. These are my entire savings and I can't access them despite offering identity and more.
I've called around 7x over the past 2 weeks and can't get any other answer except 'wait '
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| 12/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
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Web |
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Every month since I opened my Apple Card account in XXXXXXXX XXXX XXXX, I receive an XXXX notification that payment is due, and every month I have responded and paid in full and on time. Yesterday was XX/XX/XXXX, and payment was due, but I did not receive any notification. I had not changed any settings. I realized it this morning ( XXXX ) and paid the card in full and asked to waive charges ( interest ) related to the several hours between when payment was due and when I paid in full - because they had neglected to send the notification that I had come to rely on. They said I should have known it was due and they have no obligation to send the notification. That may be true, but I was lulled into a sense of dependence on the notification - I feel they may have not sent them this month on purpose and maybe to many customers, perhaps because Goldman Sachs is getting out of the Apple Card business, they want to trick customers into paying a lot of interest. I wanted to bring it up with you in case you get many complaints.
|
| 05/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Hi On XX/XX/2022 Somebody stole my phone while I driving for XXXX.
As soon as I got my phone stolen I had an extra phone because I driving for XXXX too so I called Apple Card right away saying that I got my phone stolen You need to disable my account make sure nobody use it assistant told me I will take care of it you dont have to worry about it but in a few days I get three charge somebody use it my card purchased XXXX stuff and I called them again to dispute the decision wasnt my favorite and I dispute again with the evidence that phone record I called right after my phone stolen and I asked them play the conversation and you will understand I didnt make the charge they ignored my request and just deny my dispute again.
Disclearly theres phone record show I called for stop my credit account And they dont want acknowledge I dont want to pay something I didnt do especially a call to make sure nobody use my phone to purchase anything and I have a responsible for the all the charge That is Ridiculous please help me out
|
| 10/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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Web |
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A refund for the amount of {$800.00} was processed to my Apple Card, administered by Goldman Sachs. This refund was declined because it was considered suspicious activity, even though a charge was already on the account for the exact charge- because obviously it was a refund. The representative I spoke to requested I contact the company to reprocess the refund. This is the third time a charge has been declined from this company, and I am baffled as to why a REFUND gets marked as suspicious activity on my card. The company is unable to reprocess the refund and now the representative with Apple Card has instructed me I need to request a dispute on the refund charge. This is outright ridiculous- were talking about a credit to my account! A refund! Per the Customer Agreement I signed, it clearly says refunds will be processed as a credit and it no where says anything about the possibility that a refund can be declined. I never agreed to an institution being able to deny a refund Im justified to getting credited to my card.
|
| 12/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have made a purchase of an XXXX XXXX from Apple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and I had applied for Apple Credit Card to take advantage of 3 % Daily Cash on Apple products, I did not like the phone so I had returned it 3 weeks after the purchase date exactly on XX/XX/2021. Here the problem happened when Apple refunded me they made a mistake on the statement bill of XX/XX/2021, they forgot to add a minus sign - to 3 % Daily Cash balance refund and they considered that balance as credit balance I owe them which is not true and they forced me to pay that balance to get rid from it.
The price of the phone was {$83000.00} The 3 % of Daily Cash was {$2400.00} The wrong credit balance was {$2400.00} Because of that wrong statement bill my credit report got hearted because I travel a lot and I didnt expect that I have any money to pay them after I returned the phone to Apple Store but it wasnt the case and they sent to the credit bureaus that I missed the due date payment for 3 cycles which is not fair.
|
| 04/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
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Web |
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I received an email XX/XX/2021 from AppleXXXXGoldman Sachs that my account was closed because of a There was a failure to comply with the terms of the Customer Agreement when I called them they referred me back to the vague letter. They escalated the complaint and assured someone would get back to me as of today one week later nobody has gotten back to me. I have called 4 times since then and spoken to all sorts of supervisors who have told me they dont know and nobody knows the reason my account was closed. But I should refer back to the letter Apple sent. Another supervisor responded that Apple can cancel anytime they want for no reason. Thats seems incorrect as the terms and agreements state Apple can close any account for any reason under applicable law. Nobody is able to tell me what law that is. I have been on the phone for hours with them and nobody seems to want to or care to help. This hurts my credit and seems very unfair.
As it is an Apple Card and it is closed I dont have access to the number on the card.
|
| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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Goldman Sacs Bank USA, is reporting late on my personal loan account for 2 months XXXX and XXXX in XXXX and 1 month XX/XX/XXXX, I was never been late 30 days as reported to all CRAs. I XXXX outside US on job and due to te encouragement and online payment option provided by creditor I paid within time frame online from their website, as per the account agreement they haven't mentioned that I can't pay online outside of USA, and even though I paid they deferred the payment and reported as late making me to check and call from other countries to pay again and report as continuously late which is against the agreement.
NOTE - As Goldman Sacs Bank USA has not put in agreement terms as that I can't pay online outside USA, they should not report as late. Please look into this and ensure that creditor reports all 3 payments as on time. All the CRAs are not looking into deferring of my online payments from outside USA, proof is all my payment are made online and in XXXX, XXXX I asked them to correct this online we site bug.
|
| 03/22/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Web |
Older American |
|
Marcus CD early withdrawal 6 months penalty is too high, a business fraud.
On XXXX XXXX, XXXX, I opened a CD account ending 8604 with interest rate at 1.98030 % ( 2 % ) for 24 months with an initial deposit of {$250000.00} ( fund was raised from the entire family ). Unfortunately, I had to close the CD account due to family emergency on XXXX XXXX, XXXX. I understand that there would be 2 month interest penalty for early withdrawal but Marcus charged me 6 months instead. I couldn't review any statements after account was closed. Instead of earning interest for the 5 months ( XXXX XXXX ), ended up I had to pay over {$2000.00}. That's a rip off, in sin and unacceptable. Marcus is worse than a loan shark. Is such an illegal activity being monitored by the government?
I strongly believe Marcus is a big SCAM on this penalty. I wish could step in and help to get our hard earned money back. Thanks.
I was not informed or aware of the 6 months high penalty of early withdrawal and 2 months penalty would be more reasonable.
|
| 03/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX I made my payment on my apple card through the apple wallet. However there appeared to be an issue with processing the payment on Apples side as it didnt post until the next day which charged interest. I called and spoke to XXXX on XXXX who is a supervisor who opened a dispute on XXXX the dispute was resolved in my favor and the interest was credited back. However in doing so the company Cancelled the payment and did a manual credit in doing so they placed a hold on the payment until XX/XX/XXXX I called again on XXXX and spoke to XXXX another supervisor at apple who agreed that the payment should not be held as the already hold the funds and it was just a simple back dating of the payment. He advised that he would escalate this up to the customer advocacy team and that I should have a call back later that day. I have called every day since the XXXX and continue to get a different answer every time. Meanwhile my payment is on hold and I have no use of my card and its causing my autopay 's to be rejected.
|
| 02/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
I purchased an XXXX on XXXX online store using Apple Card. Total amount {$1000.00}, with a trade-in worth {$400.00} I was only charged {$690.00} plus taxes.
Soon I returned the device and cancelled the trade-in, XXXX refunded me, on my card showing they refunded me {$690.00} plus taxes, still fine at this point. ( Attached please find the two monthly statements showing the charge and the refund ) Later Apple charged me {$400.00} for the cancelled trade-in. I asked them why they said they refunded me {$1000.00} plus taxes, not {$690.00} plus taxes on the date of return. They said if I only received {$690.00} plus taxes then there must be some issues on the bank side. Then they provided me a credit memo to back up their claim ( they refunded me {$1000.00} plus taxes, see the attached file ) I reached out to Goldman Sachs multiple times regarding this issue, although the customer service seemed to provide some help, it is never resolved eventually. Dispute was rejected and they are still overcharging me at the moment.
|
| 01/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Purchased an awning from XXXX XXXX XXXX XXXX who uses XXXX XXXX credit card services. XXXX XXXX credit terms was 12 month promotion ending XX/XX/XXXX, deferred interest. The purchase was XX/XX/XXXX, for {$6500.00}. The product was delivered XX/XX/XXXX and payments commenced XX/XX/XXXX, minimum payments were {$260.00}. I have consistently made the minimum monthly payments until XX/XX/XXXX when I made a {$4500.00} payment reducing the balance to {$1200.00}. Despite the new balance of {$1200.00} which a minimum payment of $ XXXX would pay the balance off by XX/XX/XXXX ; XXXX XXXX XXXX XXXX same minimum payment which would accelerate the pay off and would prevent me from taking advantage of the 12 month promo period. I have spoke with multiple representatives ( XXXX, XXXX, XXXX, and XXXX ) from Green Sky they insist on imposing the minimum payment which is not stated any where in the contract I see or they can point out. If I don't pay the minimum they will report it the credit bureau adversely affecting my credit score.
|
| 08/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I applied for an Apple Goldman Sachs credit card last month. The sign-up bonus is that within 30 days of opening the card, if the spending reaches {$75.00} or more, my credit card account will receive a statement of {$75.00}.
On the XXXX day after I opened the card ( that is, XX/XX/XXXX ), I spent {$790.00} to buy a mobile phone ( the credit card add {$75.00} to my account and 3 % cashback rebate {$23.00} totaling {$98.00} back to my credit card ) when I pay {$790.00} ).
, and then I spent another {$150.00} at the supermarket, after that I felt that the phone was not easy to use, so I returned the phone, but since I returned it, they I forfeited the {$75.00} and the {$23.00} cashback at the same time.
Within 3 days of opening the card ( meeting the XXXX requirement ), even after deducting the {$790.00} before the return, I still spent XXXX ( meeting the requirement of the consumption amount of XXXXXXXX XXXX ), and the credit card customer service insisted that they would not give me the opening bonus of {$75.00}.
|
| 10/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
XX/XX/2022 XXXX XXXX transferred certain accounts to GM Marcus Cards. A closed account, I do not have the card for, that to my knowledge has had no balance for years was transferred. GM Marcus refuses to show me the purchases the card supposedly has on it. They can not provide evidence that the purchases are even mine. I am an XXXX XXXX XXXX XXXX XXXX XXXX. All my accounts are on auto-pay ; my other XXXX XXXX has auto-pay on it and purchases I can verify are mine. GM Marcus claims they do not need to provide me the purchases from vendors with dates because the closed account was on auto-pay. I have tried several times to work out a solution with the via the XXXX XXXX XXXX GM Marcus keeps giving the same answer and calling me nonstop to pay them. They are damaging my credit. I am not paying on something that appears to be fraud to me. They will not investigate as fraud. I have tried to get them to ; they are firm on the auto-pay that shows no purchases from vendors or dates. Their behavior is predatory and unethical.
|
| 12/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello there and thank you for helping, I wanted to reach out because I am not receiving any statements or alerts.
I have never been late, and have always made my payments on time.
However recently my credit report shows that the Apple Card was reflecting XXXX days late, however as you guys can see I did not have access to any of my devices.
I have the Apple work authorization forms showing that I had no access to any of my devices for me to be able to make a payment, and even if I attempted to make a payment online it requested a two factor authentication code that I could not receive.
I reached out to customer service who was no help, I have made a payment and then please requesting to have the negative impact removed from my credit report.
I never received any physical statements when my bill was delinquent, I understand Apple and Goldman Sachs is trying to go green however they should still mail a statement to be safe and to ensure their customer is indeed receiving communication that is not electronic.
|
| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I currently have a Marcus by Goldman Sachs credit card. Marcus by Goldman Sachs sent wrong information to all three credit credit bureaus. They sent information to the credit bureau stating that the balance on the card was {$1400.00} and this is false. The statement closing balance on XX/XX/2022 was XXXX dollars and that is what should have been reported to the credit bureaus. The account currently has a XXXX dollar balance but on my credit report it is still showing that I have a balance of {$1400.00} owed on the credit card and this is false. I called Marcus by Goldman Sachs and complained about this issue and was told that it would take 30 days to fix the matter and this is unacceptable. My credit score dropped by XXXX points due to this error and has prevented me from getting a mortgage that I had applied for.
I called the credit card company and spoke with an agent who realized the error that I was referring to. Marcus is reporting incorrect account balance on my account and they need to fix this immediately.
|
| 11/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I was advertised to get {$50.00} cash back on XXXX XXXX after spending {$50.00} there ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX {$75.00} cash back after spending {$75.00} at XXXX ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) However, they keep on telling me that the account was not opened in the time frame it was supposed to be or that I am ineligible to receive cash back since I am not the account owner, but he has not received the promised cash back either. However, I did receive the {$3.00} standard cash back for the purchases proving that I am eligible to make daily cash earnings for the purchases I make. The account owner opened the account on or around XX/XX/XXXX.
For the XXXX XXXX promotion it is stated Valid only for new Apple Card holders who open an account XX/XX/21 through XX/XX/21 For the XXXX offer, it is stated Valid only for new Apple Card holders who open an account XX/XX/21 through XX/XX/21
|
| 12/14/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Received XXXX online Saving account statement from Goldman Sachs Bank USA XXXX PA on XX/XX/XXXX.
I never opened it and never give permission to anybody about my personal information.
I called XXXX XX/XX/XXXX XXXX XXXX and talked agent for 15 minutes, possible fraud and got advised call tomorrow morning I called again on XX/XX/XXXX XXXX XXXX for 49 minutes.
Bank can not provide me any detail information on my information that someone gave to Bank.
Refuse to give any fraudulent activity 's that I would like to see.
Bank refer to their fraud unit and I requested closed account and information, Bank will send close notification, not the detail information.
Bank should not open this account with fake email address and telephone number.
Bank should not advertise in website " secure online Bank etc '' Bank do not have strong internal system to prevent " victim 's '' like me.
I am worrying very much that XXXX XXXXXXXX XXXX fake account use by criminal activity. I could not sleep at all to worry about this.
|
| 08/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On a transaction dated XX/XX/2023 I was scammed {$190.00} in the beach in XXXX XXXX XXXX using tap to pay. I almost instantly noticed this scam and reported it to Apple Card hoping that this swiftness would help my case. I have gotten in the phone with them multiple times, reopened the claim 3 times, told my story via email and over the phone countless other times. Despite providing all the evidence that I possibly can, Apple Card/Goldman Sachs continues to not only deny the claim but not even look at the details of an obvious scam.
The whole point I use a credit card overseas is to protect myself from things like this happening. In the few times it has happened, my credit card company has timely and efficiently resolved the claim and gotten me back my money. This is the first time Ive ever filed a fraud claim and been denied and denied repeatedly.
To others, dont use your Apple Card if you want any type of fraud protection, they will close your claim in the scammers favor and leave you hanging with the bill.
|
| 06/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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|
I filed a dispute with Goldman Sachs XXXX Apple Card ) regarding a charge on my credit card for {$97.00}. I enrolled in a subscription with XXXX XXXX in XXXX of 2023 and paid a promo fee of {$24.00} the promo was for 2 months. I also chose a dietary plan that does not include pork. The merchant charged me {$97.00} before the promo was over and they sent XXXX meals that included pork. I contacted the XXXX on XX/XX/2023 and cancelled my subscription. I also contacted Goldman Sachs to file a dispute. The initial dispute was denied stating the XXXX followed the XXXX & XXXX. I contacted Apple and explained to them that they did not file the dispute correctly they never asked the XXXX to respond to charging outside of promotion and that they sent me the wrong items. Apple agreed with my response and filed a second dispute. However now they have come back tome asking yet again for more information that I have provided them 3 times. I am filing a complaint regarding the manner in which my dispute was handled as Customer.
|
| 09/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Hello Dear CFPB I am writing to get assistance about my Apple Card by Goldman Sachs. I was customer with them since XX/XX/2019 and today i got email they are closing my account and the reason was : '' There was a failure to comply with the terms of the Customer Agreement ''. This is 100 % false statement and has nothing to do with facts and reality. In Past 3 years being customer with Apple Card by Goldman Sachs i never had any issues not single issues. Never been late or went over limit or return check or any shape or form abused the card / NOTHING. My XXXX Score is Flawless, My Annual income is above average US Cardholders and in fact just recently my Credit Card limit was increased by {$6000.00} from {$25.00} to {$31.00}.
My main concern is that by closing this account it will show in my credit bureaus that it was closed by credit grantor and my other creditors will follow same route and will close all my other account by assuming i have done something wrong. Please assist me to review and reopen my account.
|
| 03/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I am writing to file a complaint against Goldman Sachs regarding their handling of a pending transaction on my credit line. Specifically, I have noticed that a transaction has been held against my available credit line without my agreement or consent.
I have been a loyal customer of Goldman Sachs for several a while, and I have always made my payments on time and in full. However, I was shocked to see that my available credit line had been reduced by the amount of a pending transaction without any explanation or warning.
After speaking with customer service representatives, I was informed that the pending transaction was being held for security purposes. However, I am not able to see the {$200.00} hold reflected in my transaction history.
I understand that holding a pending transaction for security purposes is a common practice in the industry. However, I believe that Goldman Sachs should have notified me of this hold and obtained my consent before holding this transaction against my available credit line.
|
| 06/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
This complaint involves my Apple Card Mastercard that is managed by Goldman Sachs.
On XX/XX/2021, a charge of {$240.00} was added to my account from a merchant in the State of Georgia for food and beverages ( see Attachment A ). I was not physically present in Georgia on that day and I did not authorize the charge. On XX/XX/2021, I disputed the charge and a provisional credit was added to my account in the same amount, {$240.00} ( see Attachment 2 ). On XX/XX/2021 the provisional credit was reversed on my account thus resulting in the {$240.00} being added back to my account ( see Attachment 3 ). On XX/XX/2021, I received an email from Goldman Sachs stating that the dispute was resolved in my favor, and that the provisional credit would be permanent ( see Attachment 4 ). The root of the problem is that the provisional credit that I received on XX/XX/XXXX was taken away thus resulting in the {$240.00} staying on my account. The charge was the result of fraud and I should not be held responsible for this charge.
|
| 12/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
XXXX XXXX Credit card, rec 'd through XXXX, initially was a XXXX XXXX Card changed to a Marcus by Goldman Sachs, apparently through XXXX, meaning I didn't apply, rec 'd email being notified of the change by XXXX. Rec 'd statement in XXXX for pmt due XX/XX/XXXX with balance due {$270.00}. Read back statement re : " how we calculate interest, XXXX caculate the daily interest for each day in month, by multiplying applicable DPR by daily balance of each balance subject to interest within each transaction category for each day in the statement period ''. Statement period for this bill was XX/XX/XXXX- XX/XX/XXXX, due XX/XX/XXXX, balance to pay in full {$270.00}. Payment made of {$270.00} mailed & rec 'd by Goldman Sachs on XX/XX/2022, 17 days before due date. Rec 'd statement with balance due XX/XX/XXXX for {$2.00}. Have called company ( XXXX ) numerous times only to be told it's " trailing interest '' if payments were even pd late, etc. I have always pd more than minimum always on time. They refuse to fix the issue.
|
| 04/17/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
The bank in question is XXXX XXXX XXXX. I requested transfer of funds via ACH transfer in the amount of $ XXXX and change and that the account be closed at ~XXXX XXXX PDT on Friday, XX/XX/XXXX. On Monday, XX/XX/XXXX a bank rep called me to " verify '' information ( I had already done this on Friday ). On Tuesday, XX/XX/XXXX at XXXX XXXX PDT, the money had still not reached the external transfer-to account. I called Goldman Sachs and they said to expect the funds to appear in " ANOTHER 1-3 business days. '' These funds were invested in a savings account, which are DEMAND DEPOSITS! I understand the float game and we both know an electronic transfer should occur within seconds. I believe XXXX XXXX XXXX is deliberately delaying money transfers for as long as possible, or maybe even longer, to glom onto " the float, '' at the expense of the owners of the funds, of course.
I suspect this is a generic problem with Goldman Sachs and needs to be the basis of an enforcement action. Contact me directly for more details.
|
| 12/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
Older American |
|
On XX/XX/2023, I called what I thought was a XXXX XXXX account to tell them of an email I received that there was a charge of about {$600.00}. The person that answered the phone said that I would have to change my XXXX password and that he would help me with that process. I had asked if what he was telling me to do was applying for an Apple Card, that I did not want an Apple Card. He told me no. On XXXX XXXX I got a call from Goldman Sachs Bank asking if I had applied for an Apple Card. I replied no. Explained to her what had happened. They recommended that I contact the XXXX credit reporting agencies to freeze my reports. Also, contact the police for a report so I can send it to them. On XX/XX/2023, I checked my equifax credit report and there was an Apple Card charge on there with a balance of {$5400.00}. After that, I had went online to XXXX and disputed that charge. Monday, XX/XX/2023, I called XXXX to put a freeze on my credit report. Monday afternoon I went the police department and filed a fraud report.
|
| 10/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Hi Sir, I have made a transaction on XXXX website for a pair of shoes on XX/XX/21 worth {$50.00}.
Later on I found out that there two transactions were posted to my account. Here I disputed one of the transaction with my bank, and got the credit.
On investing further I realized that XXXX has created two orders of the same shoes with order Id XXXX and XXXX.
So I decided to return one pair.
On XX/XX/21 the dispute went against me by the bank and bank charged me again {$50.00}.
On contacting XXXX I learned that they had posted my refund but it was rejected my the bank. I again contacted the bank and their representative suggested me to request XXXX to post the refund again. In a live session XXXX posted and shared proof that bank is rejecting refund.
I shared same with my bank. They raised a new dispute since there was problem at bank side and gave me the credit again.
Now yesterday XX/XX/21 I again saw similar charges back on my card. I am attaching the proof I have and few conversations with the bank,
|
| 01/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XX/XX/XXXX, XXXX GOLDMAN SACHS BANK USA completed a credit inquiry. Upon contact Goldman Sachs, I was told they opened a Apple account in my name/social security number. I notified all that I did not open this account, it was fraudulent and was assured by GOLDMAN SACHS BANK USA that it was closed. At this time, I also locked my credit on the 3 services.
In XX/XX/XXXX, XXXX notified me that an account was opened via GOLDMAN SACHS BANK USA. I notified all that I did not open this account, it was fraudulent and was again assured by GOLDMAN SACHS BANK USA that it was closed. It did sound like they used the information from the XXXX inquiry to open the account.
In XX/XX/XXXX, XXXX notified me of a Delinquent notice on my account by GOLDMAN SACHS BANK USA. Goldman basically said they could not do anything. They did say that since I reported the 2nd fraudulent account in XXXX, it would take until XXXX before the credit bureaus were notified and the delinquent notice should be removed once they were notified.
|
| 04/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
To Whom this may concern I had been dealing with some bad Identity Theft issues from XXXX. I had my credit cards and bank accounts compromised with my Social Security as well. I've had accounts opened in my name fraudulently and someone trying to purchase a car with my information. Since then I had those accounts removed from my name and resulted in my favor. I was overseas in 2021 had my phone stolen along with my laptop as well. I found two more accounts that where compromised which are XXXX and XXXX XXXX. I've already finished my investigation with XXXX XXXX and got the account reimbursed and all my payments back that where taken out my account and got my XXXX account reopened. XXXX is giving me a hard time regarding these unauthorized these transactions and payments taken out my bank account. I was told I'm not responsible for unauthorized transactions yet XXXX wants to hold me liable. Since XXXX is making things difficult I've attached a FTC AND POLICE report showing proof I'm a victim of identity theft.
|
| 11/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved.
I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA on XX/XX/2021 via e-mail.
According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by The Goldman Sachs Group Inc d/b/a Goldman Sachs Bank USA adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. The Goldman Sachs Group Inc. d/b/a Goldman Sachs Bank USA is now civilly liable to pay me for the damages.
REMEDY Grant me an open-end credit plan with your company or pay me {$5000.00} for damages.
|
| 02/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
My Apple Card, which is managed by Goldman Sachs, has been locked and I was told it was due to a high balance on XX/XX/XXXX. I was told by a representative that I have to pay down my balance and it will allow my card to work again. On XX/XX/XXXX I reached out again as my card had not been able to make charges since lowering the balance. I was told that my account was under review and they would not give me a date that the review would be complete. On XX/XX/XXXX I reached out to Goldman Sachs/Apple Card support again just to get a time frame of the review and they had advised XXXX days someone would reach out to me. I never heard back so I reached out again on XX/XX/XXXX. I was told the card would be active on XX/XX/XXXX. Reached out again on the XXXX and the XXXX as it still was not active and was told the card is under review and that there is no timeframe. I filed a complaint with Apple Card support and was told I would be contacted within XXXX days regarding my complaint and i still have not heard back.
|
| 02/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
On XX/XX/XXXX I contacted Apple Goldman Sachs Credit Card company. On the statement they advertise that whenever you make any payment. your credit will be avaliable next day. It does not happen instead it takes them 10 to 15 days to issue credit.
Please see below false advertising statement.
How do I make payments?
You may make electronic payments on your Account through Apple Wallet.
When will you Credit my Payments?
We credit electronic payments made by XXXX XXXX. Eastern time on the day the payment is made.
Do you report my information to credit bureaus?
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit bureau report. If you believe that there is an error in the information we have reported about you to a credit bureau, contact us at Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX, PA XXXX XXXX. Please include a copy of the information you believe is incorrect.
|
| 09/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
On XX/XX/XXXX, I applied for the XXXX Card from Goldman Sachs Bank, XXXX XXXX XXXX Branch. After getting an identity verification error, I contacted Goldman Sachs Bank and was told that I need to keep trying the application as there is no limit to the number of times I can retry. I was able to get to the part where I have to scan my drivers license and they were having issues with certain states drivers licenses. I followed the directions from the representative and kept retrying the application. After the 5th retry, I began getting a message that I had applied multiple times and they were unable to verify my identity. After multiple calls and speaking with multiple agents on XX/XX/XXXX, XXXX and a manager around the XXXX, the company informed me that they had no resolution process in place for customers whos IDs were triggering issues with their scanning mechanism. This is unacceptable for a large bank to not have a manual verification process in cases where there is a clear and acknowledged system issue.
|
| 10/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XXXX XXXX XXXX I paid Apple/goldman {$2200.00}. They are refusing to credit the account until XX/XX/XXXX. 13 days.
When I contacted them they said it was on a hold as part of their customer agreement. When I asked where in the customer agreement they refused to answer. When I looked at the customer agreement it doesnt mention anywhere about a security hold.
When I asked for them to return my funds to my checking account they refused. I was escalated to a supervisor who again refused to release my funds for 13 days.
When I researched this issue it is a common complaint online. So I call the support number- they tell me my ( large ) payment from XX/XX/29 is on hold. I ask why and they say, well payments can be held because they are large, or made on the weekend, or around the holidays, and unfortunately it wont clear until the XXXX!!!
XXXX XXXX XXXXXXXX Apple/goldman one of the wealthiest companies in the world are holding on to the funds of multiple customers far surpassing the industry standard.
|
| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I applied for an Apple card thru Goldman Sachs. they approved and sent out a card. I could not get the card activated so I called to activate ( XX/XX/XXXX ) They could not activate card after 2 months back and forth calls. They told me to reapply which I did ( XX/XX/XXXX ) the second card was activated and I have been using it since XX/XX/XXXX. I recently checked my credit report and found Goldman Sachs had reported the first card which was never activated, used, or had a balance of any kind as a charge off on my credit report. I immediately called Goldman Sachs ( XX/XX/XXXX ) and after multiple calls they told me I had tried to open a card with them with my fathers apple ID. this was not true and they had given me a second card with the same information in XX/XX/XXXX. I believe someone at Goldman Sachs reported the first card as a charge off and now they can not figure out how to take it off my credit report. who knows how much damage has been done to my credit with a charge off there for almost one year.
|
| 04/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I have contacted the goldmansachs on several occasions most recent XX/XX/XXXX and XX/XX/2020 about the balance being incorrect ( I have a XXXX balance but they are reporting {$2400.00} ) as well as the payments being reflected incorrectly. ( all payments have been made on time ) They have not reported to XXXX ( the credit reporting they use ) since XX/XX/2020. This card has been paid in full since XX/XX/XXXX. I have started a dispute witg XXXX and both times they maintained my balance was {$2400.00} but when I spoke with goldmansachs they acknowledged my balance was {$0.00}. I have asked them to report the new balance. They said they would inly report that the account is in good standing and not report the balance as XXXX according to XXXX a goldmansachs specialist, because my account was XXXX and they felt they had nothing to report. Even tho she said they report monthly or every billing cycle. When I pointed out it had not been she repeated her original statement. And refused to report the new balance.
|
| 03/31/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
on XX/XX/2021 I requested to be part of the consumer assistance program offered by the Apple card which suspends interest payments while you are in the program.
In writing XXXX XXXX informed me that I was not eligible for this program due to the fact that I was not currently being charged any interest.
XXXX XXXX then charged me interest for the month of XXXX, after stating there would be no interest charges due. This was in writing.
I contacted the a representative of the company by phone, on XX/XX/XXXX, who then reversed the majority of the charges after speaking to them on a recorded line.
After reversing the charges, XXXX XXXX then put the interest back to on the card where even if I paid 100 % of my balance by the due date they would charge me {$33.00} in past interest from the month of XXXX.
This is fraud.
I have attempted multiple times to get this resolved with the company and they have refused. I am being fraudulently charged interest on a balance that stated there was no interest due.
|
| 03/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
After 2 years of perfect payments record Paying my full balance ever month in full Without even 1 prior email or help After having trouble to pay my balance for the very first time my Apple card was closed during national pandemic I would like to report the bank into customer support at the state of CT and national customer help.
I would Luke to expose this bank practice, without a single email or giving me an opportunity to fix my account, they just close it.
I think banks forgot whos money bailed them out including this bank in the past bank crisis, but during national pandemic, when people loose jobs, struggle they use their power to bring everyone more down Im a woman owning a small business strangling like all of us, how is it possible for bank not giving you even one notice that they plan to close your account after being late for one month! This bank should be ashamed of themselves and not allow to profit from national crisis!
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ct XXXX XXXX XXXX XXXX
|
| 05/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE APPLE CARD/GS BANK USA 8 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XXXX XXXX, 2023 Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XXXX 2023.
Status updated XXXX 2023 Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
|
| 06/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
Goldman Sacs - Apple Card.
Im going through a financial hardship and Ive repeatedly ask Goldman Sacs for a long term payment plan in order to pay back my balance. They offer the ability to skip a payment and other extremely short term options that are of absolutely NO help. Ive probably called them 20 times asking for help. I explained how other banks are closing the account and reducing the interest rate to XXXX and allowing a long term plan. They repeatedly tell me that I would have to wait until the system says Im eligible and then today Im told I had to wait until Im 180 days delinquent with my account in order to be eligible for such a plan. That is insane. They want to ruin your credit before you can even be eligible for a long term payment plan with them. This is completely unfair when I am doing everything I can to communicate and keep in touch with them and explain what is going on with my situation. All my other banks have offered so much help but they offer NONE!!! They should be shut down!
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2022 Goldman Sachs alerted me to unusual activity with my credit card. My apple iphone was hacked. My apple id was breached & my apple wallet & bank account app were compromised. I closed my apple credit account & applied for a new credit card. The initial card & account were closed on XX/XX/2022. There was a balance on that account & in XXXX of XXXX i paid the balance in full. That account no longer exists. I also lost XXXX that was on my applepay account. Goldman sachs continues to send me bills each month claiming that i owe them XXXX. Every month they are reporting me to the 3 credit bureaus as delinquent on an account that doesn't exist any longer. I want my XXXX back & want my name cleared on my credit reports. I have called goldman sachs at least 10 times to rectify this & nothing has been done. My credit score before my identity was stolen was XXXX & now it's XXXX because they continuously report me delinquent. I live in XXXX. Pa & all of the fraudulent activity was done in California.
|
| 11/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX in the amount of {$1700.00}. At the time, XXXX was advertising 0 % financing for their XXXX products when you applied for their Apple Card. However, they did not and I was forced to pay the for the XXXX and applicable interest ( 21.99 % ). On XX/XX/XXXX I received an e-mail from XXXX regarding their financing informing me that if I had purchased an XXXX product expecting to receive a monthly installment that I should contact XXXX before XX/XX/XXXX in order to convert the purchase into an installment plan by contacting an XXXX Support specialist.
Today, XX/XX/XXXX, I contacted XXXX Support requesting that the purchase be converted to an installment plan, but the support specialist, XXXX informed me that since it had been over a year from my purchase, the device would not be eligible to be converted to a payment plan. The e-mail that I received does not specify that purchases had to be made within a certain period of time which I believe should be stated.
|
| 05/30/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Like so many others I was offered a {$100.00} bonus for adding in {$10000.00} to my Goldman Sachs Marcus account and leaving it in the account for 60 days. I signed up for the promotion and added {$10000.00} to the account on XX/XX/. A tracker said that I should receive the bonus by XX/XX/XXXX. On XX/XX/XXXX when the bonus did not arrive I contacted Marcus via chat and was assured that I qualified for the bonus and that they would be posting the bonus soon. At the latest it would be 14 days ( XX/XX/XXXX ). When the bonus did not appear in my account on XX/XX/XXXX I chatted with Marcus again. Again I was assured that the bonus would post " soon. '' I also asked if Marcus was covered under the authority of the CFPB and the rep refused to answer. Shouldn't banks have to disclose the governmental agencies that assist customers when they do not treat them fairly? It is now XX/XX/XXXX and still no sign of the bonus. I searched the CFPB database and see that XXXX of complaints have been filed against Marcus.
|
| 03/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
The XXXX XXXXXXXX XXXX card was bought out by XXXX XXXX XXXX I have never been behind on payments with XXXX XXXX. The transition to Goldman Sacs was a utter mess. I called to make my payment on the phone for the first time with Goldman Sacs and the automated phone says there is a 1 hour wait to speak to a customer service rep. This was on XX/XX/XXXX. Nonetheless, it states on the automated line that cardholders have thru the XXXX of XXXX to make a payment to avoid late charges. I called again everyday thru XX/XX/XXXX. It states on the automated site to go to the Goldman Sacs web site or wait a hour to make a payment. All of the info they had for my banking had been deleted. Therefore I had to go online to make a payment or wait a hour. It also states on the automated phone line that there would not be a problem with using the card. On XX/XX/2022, I was at the store getting my prescriptions, and the transaction was declined. I tried again and it was declined. I am not behind, I have never been behind.
|
| 10/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Pursuant to 15 USC 1692a ( 3 ), I, am the consumer.
Each month, Goldman Sachs sends a statement, alleging that i owe a debt. Pursuant to 15 USC 1692b ( 2 ), a debt collector shall not state that a consumer owes any debt. Pursuant to 15 USC 1692a ( 5 ), debt is an obligation or an alleged obligation to pay money from a credit transaction. Pursuant 18 USC 8, that obligation of debt belongs to the United States, not I, the consumer.
On Thursday, XX/XX/2021, I sent Goldman Sachs an affidavit of truth, affirming my consumer rights and stating all violations they have committed. I also sent a cease and desist, demanding they stop all communication regarding this alleged debt, through any and all mediums, affirming my rights and requesting my specified remedy, pursuant to 15 USC 15 USC 1692c ( c ) ( 2 ). I also sent exhibits, highlighting and labeling the violations committed ; as well as sending a XXXX XXXX XXXX, calculating all the violations committed, assessing these damages, pursuant to 15 USC 1692k.
|
| 02/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Servicemember |
|
I noticed a hard inquiry dated XX/XX/2023 thru XXXX XXXX that an application for a Marcus XXXX credit card from Goldman Sachs Bank USA was approved and issued out in my name. When I contacted Goldman Sachs thru their customer service department they informed me that an application using my personal information was used. Everything they used was correct to verify except my telephone number. Goldman Sachs refused to give me the telephone number used except the area code was an XXXX area code. I then informed Goldman Sachs to block my account but not before they charged {$1100.00} to the account. Goldman Sachs informed me I needed to file a police report. When I tried to file the report the police department informed me since there was no one specifically to report it would be a very vague police report. Goldman Sachs then directed me to get on identity theft.gov to generate a report which they will use to cancel account and I will not be responsible for charges incurred due to fraudulent identity theft.
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| 07/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Struggling to pay your loan
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Web |
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I called XXXX around XX/XX/XXXX XXXX XXXX and attempted to enter into a payment agreement. Per the attached statement they told me that my minimum payment due was {$96.00} and my payment was already reduced. They asked me how much lower I needed the payment. I told them that I could make the payment and asked if that would stop my account from becoming a charge off. They agreed that if I made the {$96.00} payment it would resent my past due amount by XXXX days and help me catch up. On XX/XX/XXXX I was notified that my account has gone past XXXX days and is charged off. The agents incorrectly read the last payment in the amortization schedule as the current amount due when in fact the payment due was {$310.00}. I was given incorrect information by the creditor which lead to the charge off. I also submitted more than XXXX research request and they refused to rectify the situation. I am requesting the charge off be removed from my account, and the payment history of the original loan be removed as well.
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| 09/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Shortly after being approved for and receiving an XXXX Credit Card by XXXX XXXX, it was blocked and placed in a restricted state. They did not at any time notify me that there was any problem, I found out when scheduled charges were getting denied.
After many support calls and literally hours on the phone with people absolutely refusing to tell me what was wrong, I found out that they had marked me as pending deceased. I was not offered any way of proving that I am alive other than waiting for them to investigate further.
Eventually I was connected to their fraud department and they requested copies of my personal bank statements to prove that I am not dead, which I find highly irregular and personal. To this date, my card is useless and I have no idea when they will finish investigating my supposed death, who is investigating me, or even why.
Chat support says I have to talk to phone support. Phone support says I have to chat support. Nobody will take responsibility or give me any information.
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| 01/05/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
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XXXX XXXX opened Marcus investment savings account and deposited XXXX XXXX XXXX XXXX Account locked due to Marcus being " unable to verify my identity '' contacted them and was told they can not do anything and that my funds were lost.
XXXX XXXX recontacted Marcus XXXX to get my funds again or so what could be done to do so was told my funds were marked unclaimed and could be received by making a case for them was told I would be sent a check within 7-10 business days which never came XXXX XXXX contacted Marcus again and was told that I had to close the account that I was told was already closed then I could receive my funds still did not XXXX XXXX was told that I would be contacted by Marcus ' claims department in XXXX to confirm my identity in order to receive the funds never received call XX/XX/XXXX, XXXX contacted Marcus and was told the account was still active and would never to submit a form they would be sending me and have it notarized and send it back in order to make the " next steps ''
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| 03/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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My Credit card ( XXXX ) was recently transferred from XXXX XXXX to XXXX by Goldman Sachs on XX/XX/XXXX. I have received a letter to create a new online account to view my info, however after making the account login it requires I get a 6 digit code to access my account online. I can never get that 6 digit account. Spent hours on XX/XX/XXXX trying to call and got hung up, transferred and even cussed out. Tried contacting via XXXX and have copied my ordeal on there for others to read.? Latest I heard from an XXXX XXXX that my email will not work ( I used it for XXXX XXXX, and every other bill/membership etc I have ). She stated I needed a XXXX account. So I created one ... .still can not get access. I have called at least every other day asking for help ... no changes. Made a XXXX XXXX on XX/XX/XXXX at XXXX at night with XXXX who said it would be answered in 10 days ... .no response. I have asked for management... they refuse customer access. I need my info to do my taxes, this is killing my nerves.
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| 01/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to nonaffiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for GOLDMAN SACHS BANK to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).
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| 02/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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I had outstanding balances that were paid on XX/XX/XXXX at XXXX for {$1200.00} and XX/XX/XXXX at XXXX for {$1100.00} that paid the entire balance on my credit card for the month of XXXX with a statement ending date of XX/XX/XXXX and a period ending date of XX/XX/XXXX. They are saying that even though I made the payments on time, they are saying that the payments didn't clear so they are charging me interest on the account. I have never had payments take this long to clear, and was given no indication that their policy toward payments had changed. They are now telling me to pay 5 days in advance, even though the due date is the end of the month ( which would hurt me as a consumer to prevent me from continuing to earn interest on those funds for 5 days because of their unmentioned change in policy ). I also have the account set up on autopay for the full remaining balance to prevent interest from being charged, which is misleading because I was still charged interest even though my payment processed.
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| 03/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am XXXX XXXX, an employee with XXXX. I have an XXXX Credit Card powered by Goldman Sachs and have been using it for the last 6 months.
My current problem with the XXXX Card right now is the improper reporting of credit balance and the lack of periodic updates of my balance to credit bureaus every month leading the improper or invalid balances on my credit reports frequently, month after month. When I reach out to Goldman Sachs to get this fixed, I often get served with a cold response saying, " We are not obligated to report it every 30 days '', " We can not help you reporting the latest balance '', " We do not have an ETA when we will report the correct information '', " We reported the right information the last time, and we will report the right information next time but can not tell you when '' and so on.
It has been a very unpleasant experience overall and has been significantly impacting my credit scores as my new balance is XXXX, but Goldman Sachs is not reporting it correct right now.
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| 12/16/2022 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
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I opened a savings account with Marcus on XX/XX/2022.
I then immediately funded the account with {$1000.00}, in XXXX {$500.00} installments, from a checking account in my name at XXXX.
Accompanying this complaint are statements from Marcus and XXXX showing the transaction from XXXX and the balance at Marcus.
On XX/XX/XXXX, 1 month later, I attempted to withdraw my balance from Marcus back to the funding XXXX account.
These were the only transactions attempted, and both accounts are in my name.
Within a few hours of attempting to withdraw my funds I found that my Marcus Savings Account had been locked, denying me access, and I was directed to call support.
After more than one phone call, I was told that my account would be closed, and they refused to tell me the reason.
They told me that my funds would be sent back to the funding account within 3 days.
More than 10 days have now passed and I have not received any funds or notice from Marcus, and I obviously do not have access to my account.
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| 12/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Received promotional offer on XX/XX/2023 from Goldman Sachs / Apple Card to add a co-owner to my account. The offer provided a {$100.00} Apple XXXX credit if the co-owner was added between XX/XX/2023 - XX/XX/2023 and spent more than {$100.00}. I added a co-owner on XX/XX/2023 and this co-owner immediately spent {$300.00} followed by two subsequent transactions. Theyve not received any credit or bonus. Per the fine print : Each {$100.00} and {$25.00} bonus is earned as Daily Cash and is transferred within 7 days after respective minimum spend thresholds worth of transactions have posted to the New Users Apple Card account and the New User has made a subsequent transaction. Ive reached out to Goldman Sachs / Apple Card support via phone ( XXXX ) and via XXXX XXXX XXXX. Neither support channel has resolved the issue other than creating an inquiry. The promotional details that were received via email to the account owner are also available at https : //offers.applecard.apple/apple-card-family-offer
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| 12/06/2023 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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Apple Card/GS bank USA , account number XXXX. I asked this company to cease and desist all company and Im doing so one last time now. This company is made aware of FCRA law 15 United States Code 1692 ( C-A ) and still decided to knowingly violate this consumer law, this company claim they have the recieved my written request to cease and desist all communications with me well Im also making them aware of that request here, through the CFPB. GS bank again Please cease and desist all communications with me ( XXXX XXXX XXXX ) as I refuse to pay this debt. My request should be respected under 15 US code 1692 ( C-A ) and I have a right to privacy under 15 US code 1681 ( 4 ). Under section 6804 of this title ( FCRA ) I have the right to opt out of any such debt. This will be my last attempt to get this fraudulent account deleted from my credit report. This will be discussed with my consumer law lawyer and your company will be subpoenaed to civil court if you still choose to violate FCRA consumer laws
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| 04/27/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
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One day I tried to transfer money to another saving account with another bank called XXXX XXXX because they were offering a higher APY. During this process, I also updated my address on the account because I recently moved and did not want them sending statements to my old address. I never had an issue with transferring my money with any other bank, and this is the first bank that locked my account. When I try to contact customer service, they keep transferring my calls and hanging up on me. They said they needed to verify my account by sending me a code but said I needed an alternate phone. I told them I only had one phone and one phone number and asked if I could use my husband 's phone, and they said no. I asked to speak to a supervisor, and they kept hanging up. It is very unfair I cant access my own money just because I wanted to transfer it and update my address. I gave them all my personal information, and they still will not unlock my account. It has been over two weeks with no access.
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| 06/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I have an apple credit card that I never use. I was alerted on XX/XX/XXXX from my fraud protection company that I was delinquent on my account. I checked the card and saw small charges that I never authorized. The charges are listed as followed ; XX/XX/XXXX. {$.00}.
XX/XX/XXXX. {$5.00}.
XX/XX/XXXX. XXXX XXXX.
XX/XX/XXXX. XXXX XXXX Interest fee.
XX/XX/XXXX. XXXX XXXX Interest fee.
XX/XX/XXXX. XXXX XXXX Interest fee.
I contacted Goldman Sachs/Apple on several occasions and they gave me the run around. Several managers said they would credit back my account for the {$8.00} and would have it removed off my credit with the bureaus. I have not used this card since I got it and did not authorize any transaction. I never received any notification of past due by email, text or postal mail. Today they notified me that they would not take the charges off that they believe they are accurate. They can see from my history on this card I never have used it. Why would I allow {$8.00} to ruin my credit?
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| 03/22/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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Frustrating working with XXXX XXXX XXXX 1. Error transferring {$250000.00} from savings account to CD account.
2. Denial to transfer {$110000.00} from savings to CD if on deposit was made to CD account.
3. Denial of password to be saved on my computer FORCING me to request a passcode.
DO NOT always have access to mobile phone for texting DO Nota always have email since when I travel international accounts get blocked by web mail providers when suing public domain login 4, XXXX XXXX XXXX REFUSES to allow email or chat correspondence so you can not document written complaints.
5. XXXX XXXX XXXX DOES NOT respond in writing to complaints over the phone.
6. XXXX XXXX XXXX DENIES on internet me the right to move money from CD account online to savings, XXXX XXXX XXXX intra-bank limits prohibit transfers between internet accounts, prohibit written feedback on web problems, and NEVER communicate solutions just pass along complaints.
Recommend GolDman SaCHS TERMINATE ALL RELATIONSHIPS WITH XXXX.
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| 08/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Managing, opening, or closing your mobile wallet account
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Web |
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Card : Goldman Sachs Apple Card- which is both a general purpose credit card ; AND a deferred payment plan for XXXX devices ( 3 XXXX, 1 XXXX ) with no interest charge for 24-36 months.
There are two cards for this shared, co-owned ; and are supposed to be available to us both in our XXXX Wallets.
ISSUES : ( 1 ) the second co-owner is UNABLE to add his card to his Apple Wallet application, and it has been over 12 weeks since problem was first reported to both XXXX and Goldman Sachs WITHOUT any resolution ; ( 2 ) as customer / consumers we are UNABLE to reach senior technical support management for a regular update from either GS or XXXX ; ( 3 ) we use a XXXX XXXX XXXX for ALL our financial and bank statements ( for mail security ), yet GS will not permit customers to use this legal, legitimate addressing method for our accounts ; ( 4 ) GS will not allow both credit card owners to PREPAY ( make additional early payments ), by XXXX device, that are on monthly ( interest free ) payment plans.
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| 06/13/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Managing, opening, or closing your mobile wallet account
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Web |
Older American |
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I paid my Apple Card/Goldman Sachs bill on time from a joint XXXX account XXXX My husband and I have different last names. The check was received by Goldman Sachs before the due date, and Goldman Sachs sent confirmation to XXXX that it had been received. On XX/XX/XXXX, I received a notice that my Apple Card bill hadn't been paid. It was due on XX/XX/XXXX. I called and opened a complaint case. I was told they would respond within XXXX business days. The day after I filed the complaint, my husband noticed that his Apple Card account had been credited with the exact same amount that I had paid. It seemed clear to us that Goldman Sachs had applied my payment to my husband 's account, even though my name and last 6 digits of my account number were listed on the check. I called Goldman Sachs support to let them know. I have made at least 3 calls since then to get a status of the case. At one point, a Goldman Sachs advocate called me. I still have not received any resolution after 40+ business days.
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| 12/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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|
Web |
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On XX/XX/2021 I issued a payment to Golden Sachs to reduce my account balance by {$420.00}. The balance went down immediately by {$420.00}. I called in shortly and requested Golden Sach to cancel my payment. The payment was successfully cancelled and the funds were returned to my personal banking account. My balance went back up by {$420.00} on my Golden Sachs account. A couple days later my balance shows an adjustment balance reversal for {$420.00} on my Golden Sachs account. This brought my total balance up by {$840.00} instead of {$420.00}.
On XX/XX/XXXX I made another payment for {$100.00}. I called in to cancel the payment and the same thing occurred that week where my balance increased by {$210.00}.
I called multiple times to representatives and supervisors who did not know how to resolve my issue. They attempted to redirect me in a different direction. Out of 5 people I spoke with, only one rep understood the issue when reviewing my statements. Their supervisors did not nor helped.
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| 04/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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Web |
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On XX/XX/XXXX I applied for an Apple credit card ( which is through Goldman Sachs Bank USA XXXX to get 0 % apr on the purchase of a laptop. Despite my excellent credit score, I was declined due to a bank closing my account ( I paid off student loans ) and I contacted XXXX XXXX for an explanation, I filed a complaint with them on the XXXX and on the XXXX I was called and told that they do not manually review any applications so despite the fact that I have good credit they will not issue a card. I feel that this is a discriminatory application process. I should not be penalized for paying off student loans - I am being a responsible adult in doing so. Furthermore, I am not certain that there aren't other discriminatory lending practices going on. Someone like me is likely to pay off the credit card so that I in fact to get the 0 % apr. Individuals that do not will be subjected to interest and fees. For that reason, the bank will not make money off of me. I have an excellent record on payments.
|
| 12/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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I am writing to delete the following information in my file. the items i need deleted are listed in the report.I am a victim of idenity theft and did not make the charge. I ask that the item be deleted to correct my credit report.please delete the items as soon as possible.in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to prive and confendentially under 15 U.S.C 1681 accounts stated APPLE CARD-GS BANK USA has violated my rights,15 U.S.C 1681 section 604 A. States i have the right of privacy.15U.S.C1681 C. ( a ) ( 5 ) section states i no consumer reporting angency may make any consumer report containing any of the following items of information any other advertise item of information. other than records of conviction of crime indicates the report be more than 7 years.15US.C 1681 S-2 A person shall not furnish any information relating to a comsumer, to any comsumer reporting agency, if person knows its inaccurate
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| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Problem getting your free annual credit report
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Web |
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I have been using an Apple Card for the past two years. The main reason I started to use the card was to create credit. However, I havent been able to access my credit reports/score. I have continuosly tried to solve the issue with Goldman & Sachs. At first they said since I was only a participant I wasnt getting my credit reported. That I had to opt-in for credit reporting if you are a participant. When I did, they told me the change would reflect on reports in the next few months. It is now more than 6 months after that and I still have no reports for my credit score. I called today and they said that they have no clue why its not credit reporting. This is an issue I have had for 2 years ongoing and still have no information. 2 years of positive credit lines without missing a payment and all for nought. Today the issue was taken to their investigative department to check the situation out. I want to report this issue to see whether it is an issue with the beureaus or with Goldman & Sachs.
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| 02/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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Web |
Older American |
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I have an Apple credit card and really like most of its features.
My problem, however, is that available card payment methods prevent me from paying off my balance. Interest of 10.99 % continues to accrue until their payment processing window opens up again and allows me to make a payment.
Even then, amounts their systems 'allows ' me to pay are insufficient to pay off the balance. ( Presently, I have a comparatively small balance of under {$300.00} ) When I did internet searches for possible solutions to my problem I discovered that hundreds of people are experiencing the same problem.
I called XXXX processor, Goldman Sachs, to make a payment over the phone and get rid of the balance that way. But, as reported by many others, they were unable to do the transaction.
I just want to be able to pay off my balance monthly instead of accruing interest. But apparently this is not what Apple intends- they'd like to force me to continue to pay interest on a balance I'm trying to get rid of.
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| 04/27/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
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Web |
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You did not offer an appropriate response, so I will explain.
I went to open 2 new CD accounts at a bank I already had an online savings account. When I went to fund them, it insisted that I enter dollar amounts for all 3 accounts, but I didn't want to add money to my savings account, so I entered {$0.00}.
I found out days later that this actually created a 2nd Online Savings account, which I did not ask for and do not want. I also found out that instead of funding the 2 new CD accounts from my external bank, it funded 1 of them from my external account, but withdrew the other money from my online savings account, which again, I did not want. There was no warning that this would happen. I think their software is messed up and not properly tested.
You can not contact this bank electronically, which is a major problem, since I have a hard time doing this during business hours and do not have access to my data from my workplace.
I would suggest you ( CFPB ) add " Other '' to your choices.
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| 09/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
Older American |
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This complaint was already file by my husband, an authorized user on this card ( complaint # XXXX ) but it was rejected because he was not the primary cardholder. I am therefore filing it again as the primary holder of this card.
The payment app/process does NOT allow paying an amount exceeding the balance due ; this results in the consumer paying excessive interest charges. For example in XXXX a consumer has a bill for {$5000.00} and pays only {$3000.00}, in XXXX the consumer has a bill for new charges of XXXX plus the remaining/unpaid XXXX plus interest charges. The interest charges accrue until the balance is XXXX. The consumer is only allowed to enter the current balance by the credit card payment app so before the payment is processed by the credit card company any new charges will be subject to interest charges ( as the balance will remain above XXXX ) ; the processing of payments is controlled by the credit card company resulting in the consumer continuing to pay interest charges.
|
| 11/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Hi, A duplicate/incorrect installment charge of {$1100.00} was added to my card in XXXX statement. I filed a complaint with Goldman Sachs and it was determined that the charge on my card was incorrect and will be removed. I would not be responsible for the charge CASE ID : XXXX However, in the latest XXXX statement, the entire {$1100.00} charge was added to the my transaction list as " Cash Back redemption ( REVERSAL ) '' and I am required to pay this entire amount by the due date. I reached out to the customer care and they are pretty clueless about this. In my call with the manager who informed me about the resolution of the above case, it was clearly explained that I will not be responsible for the charge ( Feel free to review the call recording ).
I have had more than 6 calls and 4 escalations with XXXX 's support team. It is really frustrating that there is still no resolution. I do not have the patience to call and explain the issue everytime I speak to someone at XXXX 's support.
|
| 09/01/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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This complaint is about Marcus, an online savings account affiliated with Goldman Sachs.
On XX/XX/2019, I attempted to use the banking web site to transfer money from my savings account to another financial institution. Marcus ' web site told me that the transaction was in progress and would be completed within 3 business days.
On Monday, XX/XX/2019, I attempted to access my Marcus account online and was told by the web site that it was locked and I needed to call the company during XXXX XXXX ET to XXXX XXXX ET.
On Tuesday, XX/XX/2019, I phoned XXXX to regain access to my account. I was placed on hold for 54 minutes while XXXX allegedly attempted to verify my external bank accounts. My external bank accounts had been linked to XXXX months earlier and had successfully transferred hundreds of thousands of dollars to XXXX months earlier.
During the lockout period, I was unable to look at statements or any information related to my account, which is all relayed to me electronically.
|
| 08/05/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
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Web |
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On XX/XX/XXXX my account with Marcus by Goldman Sachs was blocked. This was the second time it was blocked after I attempted to transfer funds from them to another bank.
They blocked my access to view the account, access cleared available funds and to close the account. When I I formed them I had a legal right to access my account, XXXX in the XXXX XXXX XXXX location denied lifting the block and refused to provide me with access.
When I requested a copy of the recording of the call to be able to use in a complaint, XXXX placed me on a long hold while finding out if they could do it. I was then told someone would call me in 1-2 days to provide information about how I could it.
This all occurred after Marcus lowered their interest rates and I attempted to withdraw my funds to deposit at another location that pays higher interest. They are blocking my access in an attempt to keep the funds with them because in my opinion lots of customers are moving their money after the interest drop.
|
| 03/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
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I got a new Apple Card from XXXX. I have only had it a couple of months and have not missed a payment. On XX/XX/21 I paid my statement balance of {$2800.00}. It was taken from my bank account but the issuer informed that the payment and the card have a hold on it until XX/XX/21. They told me it was due to a reversed payment in the past and that in the future to have my payments in on time. I have not missed a payment and have not carried a balance. I was able to provide proof on that and they determined that there had never in fact been a payment reversal. They tried twice to release the hold but were unable to do so. I asked for an explanation as to why and was told by the supervisor he doesn't know why. He submitted a complaint on my behalf telling me " I might hear back from someone ''. This is clearly a way to deter people from paying the statement balance so they can collect interest. So now I am missing nearly {$3000.00} from my checking and can not use my Apple Card for two weeks.
|
| 08/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
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|
I had a XXXX $ limit, paid it off in full for an apple Goldman Sachs credit card. The payment was pending for about XXXX weeks, during which time I had claim rights with my bank to get it refunded for bad behavior by the credit card company. About XXXX days after the XXXX payment posted, and I lost those dispute rights, they lowered my credit limit from XXXX to XXXX, without any prior notification, or any explanation as to why they waited exactly until I lost my dispute rights to make this change. Now, I can not use the credit limit to increase my credit score. I found this behavior very predatory. Finally I got a call from a Manager who told me to contact my bank to file a dispute, knowing full well they had waited out my dispute rights before pulling the rug out from under me. Now I could have used that money to pay off another credit card to gain credit score, or used it for myself, but instead they have commuted what I consider to be an incredibly scummy and dishonest act toward me.
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I pulled my credit report and noticed that there are items that are not right.
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it.
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : APPLE CARD/GS BANK USA ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report.
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
|
| 03/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
LENDER : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Application XXXX XXXX Merchant : XXXX XXXX XXXX XXXX XXXX XXXX sold us an on demand hot water heater to replace the one that was not working. They promised a zero down and zero interest. Sure, I took the deal and signed their paperwork. Several days and the bill came in with a 6.99 % interest rate. Paying that off would cost me {$8000.00} on top of the {$12000.00} water heater cost.
We talked to GreenSky and even with all of the talks they said the loan was already made and COULD NOT BE CHANGED! In addition they have charged me {$1200.00} of Finance Charges that I could not find in the contract. The question is ; why didn't they contact me or XXXX XXXX XXXX when they wrote a loan contract with an interest rate?
I didn't even have a chance to read the loan to see that they were going to charge interest.
We have since paid off the loan in order to avoid those harsh interest payments.
|
| 10/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
We had an account opened thru Apple Credit. When opened I thought my husband did it so I used it. Learned later we were being a victim to identity theft. Luckily I caught this card before getting in the hands of anyone. I was making payments thru my AppleID. We learned that our Apple ID was compromised. We had to get new cell phones new ID and New Phone numbers due to the fraud. We are not arguing the usage but we would like to have a paper bill to insure no other charges were made not ours. We reached out to Apple to request paper statements and let them know of the Fraud on XX/XX/2023 when I learned they pinged my credit. I figured by the Apple ID being closed they would send a paper statement. None was ever recieved. I have no access to the old Apple ID do to the compromise nor do I want to open it on any other technology risking those items getting compromised as well.. Upon reaching out to Apple they responded to me with a letter that Apple doesnt support written correspondence.
|
| 08/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have been a victim of a horrible crime, whereby I was XXXX XXXX forced to reveal my phone passcodes and authentication information while visiting in XXXX XXXXXXXX XXXX As a result of this I lost access to my apple XXXX account and thereby access to my AppleCard by Goldman Sachs account.
I had an installment plan for my XXXX XXXX and since I had lost visibility into the account, I attempted to pay it off early by making a payment of what the CSR indicated was the balance of the loan of {$370.00}. This payment cleared my bank on XX/XX/2023.
After this payment was made, and I attempted to close the account, I am told by another CSR that I have a {$98.00} balance, which I reluctantly paid. When I asked for a detailed ledger of the payments made to the installment plan in question so that I could reconcile the total amount and whether I am paying the right amount or overpaying and I was not able to receive a ledger nor any clarifying information, even by escalating to a supervisor.
|
| 03/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I have been filing four complaints against GOLDMAN SACHS BANK USA associated with four disputes on file, and every time the company provided a response that's NOT associated with the dispute IDs I provided and then they requested the complaints to be closed. Could the company provide responses that are associated with the complaints?
My iPhone and wallet were stolen last XXXXXXXX, I've been working with the bank for all the disputes, but the bank only removed part of the unauthorized transactions from identity theft, not all of them even if they are from the same merchants and the similar dates with all other unauthorized transactions. These are the disputes that should be included in the identity theft transactions and the bank still asks me to be responsible for the balance even though I provided an identity theft victim report along with a series of police reports ( SR22-7696 ). XXXX, {$1700.00} XXXX, {$1600.00} XXXX, {$860.00} XXXX, {$1300.00} Compliant ID : XXXX XXXX XXXX XXXX
|
| 10/02/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I closed my 401k account with Goldman Sachs as I was XXXX XXXX XXXX XXXX. I decided to take a lump sum distribution in the amount of $ XXXX and GS processed this on XX/XX/XXXX. I have been working with them for over one month to try and obtain the funds. Initially, they told me it would take about 3-4 business days for the ACH to be processed and received by my financial institution ( XXXX ). However, by mid XXXX I still had not received any funds. After calling Goldman Sachs back to check on the status of the transfer, I was told it had rejected and they had automatically issued a check, however this went to an incorrect address. I had them update the address on XX/XX/XXXX, and stop and reissue a new check. As of XXXX, I still have not received any check. I requested another ACH or wire transfer and was told that wasnt standard procedure, but they would look into it. I am at a loss, I needed this money for a financial emergency and Ive been waiting for over a month to get my money.
|
| 06/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
I received a letter/Notice ftrom Goldman Sachs dated XX/XX/XXXX stating that " my '' Apple Card account is past due : Apple Card Customer : XXXX XXXX XXXX XXXX " As of XX/XX/XXXX, your account is past due. Your past due balance is due immediately. In order to regain access to your available credit, please make a payment by going to Apple Card in the XXXX XXXX, online at card.apple.com or by reaching out to an Apple Card Specialist...
If a payment for your past due balance is not received by the end of the month, Goldman Sachs Bank USA may continue reporting your past due balance and missed payments to credit bureaus. This may impact your credit score. '' I have no idea what an Apple card is, nor have I ever used one. My XXXX was hacked and information was stolen in XX/XX/XXXX right before XXXX. Also, I was no longer able to use the XXXX. I kept getting a message asking me for my Apple ID. My Apple ID was no longer recognized. I could not change my password or put in a new Apple ID.
|
| 12/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American, Servicemember |
|
GM Card was converted to G Marcus Goldman card in husband 's name. XXXX has been XXXX since XXXX and I ( spouse ) inadvertently sent 2 payments to the XXXX XXXX ( that was closed ) in XXXX & XX/XX/XXXX - XXXX payments totalling {$6800.00}.
I have called Customer Service at Goldman Sachs numerous times but no customer service person can do anything until I provide an Estate Administrator form which would have been obtain if husband 's estate went through probate. It did not go through probate and I don't have an Estate Administrator form. My attorney prepared an Affidavit for Collection of Personal Property indicating that XXXX XXXX can receive personal property for XXXX XXXX.
Customer Service at Goldman Sachs will not escalate my issue to someone other than next level Customer Service and I am always told they can do nothing without the Estate Administrator Form. They are holding my {$6800.00} and have never made any effort to contact me to return the funds. Totally frustrated.
|
| 09/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
On XX/XX/XXXX i was notified by Apple Card Services who is issued by Goldman Sachs that my Apple Card was temporarily on hold due to the back office making sure to keep me safe. I was a victim of cc fraud which is why I had to change my virtual number and etc. Apple told me it would take 10 business days to restore my account but never restored it and decided to on XX/XX/2023 they would close my account without letting me know. They never told me why they put my account under review in the first place. This account closure has made my credit score go down tremendously and as a cardholder it is unlawful for them to withhold why they closed my account and do it for no reason. I was a victim of card fraud then they close my account. I was told by XXXX agents and supervisors my account would not be closed that I have record and proof of. Apple Card is using unethical practices and I need my account back ASAP!!!! You can not close an account for no reason and not let your customer know.
|
| 06/03/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I was sent a {$100.00} promotional offer from Marcus by Goldman Sachs on XX/XX/2023. The offer required a minimum of {$10000.00} in new funds to be added to my existing Online Savings Account within 10 days of enrollment and to hold the required dollar amount for 90 days afterwards.
I enrolled on XX/XX/2023 and added {$85000.00} on XX/XX/2023, to meet the minimum required dollar amount. By the end of the 90 day holding period, I had kept my pre-promotion balance plus the $ XXXX minimum in the account, but did not receive the {$100.00} promotional bonus.
I chatted with Marcus customer service who told me I did not qualify for the bonus because I had to keep the full {$85000.00} + the pre-promotion balance in the account ; and I had only kept $ XXXX + the pre-promotion balance. This was not enough according to their reading of the Terms and Conditions.
I attach the Terms and Conditions which is highly ambiguous - and ask that these Ts & Cs be amended to be clearer in the future.
|
| 10/23/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
Marcus by Goldman Sachs is the holder of a savings account for XXXX XXXX XXXX. This account was set up to Transfer of Death. XXXX died XX/XX/21. I notified Goldman Sachs. They closed, or locked the account where i could not access balance or account number info. I am the Executor of XXXX XXXX XXXX. Because it was XXXX, no estate documents should have been required, but they insisted that these be provided. I filed a Small Estate Affidavit in Probate Court, XXXX County Tennessee. I obtained several certified copies, and sent one to GS. They returned it and said they can not accept one without a " raised seal ''.. I contacted my attorney, who contacted our court clerk. He stated they do not do a " raised seal ; '' Instead each certified copy is stamped and hand signed by the deputy clerk Because they will not accept what the court provided, and the court can not provide me anything else, I am unable to move the funds to the Estate of XXXX XXXX, and therefore can not close the estate.
|
| 04/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Nearly one year ago, I c ontacted the CFPB to inquire about specific transaction details regarding my mortgage that was purchase d by Goldman Sachs on XXXX XXXX , XXXX from XXXX XXXX XXXX XXXX XXXX . The company has not provided an adequate response to my inquiry and representatives from the CFPB indicated that followup emails had been sen t to Goldman Sachs for a response. Yet, no reply has been received. Goldman Sachs was asked to provide details about the dates that my loan was sold from its controlling interest ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX . Additionally, my loan that was purchased on XXXX XXXX , XXXX via a securitized transaction did not include the note, as an assignment was ultimately crafted in XXXX of XXXX . The bank purchased a loan without ownership control of the note. So, I want to know how it was able to sell the securitized mortgage notes / trust without ownership.
|
| 05/25/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
Servicemember |
|
I applied for the Apple credit card and was notified that all I needed to do was added XXXX XXXX wlet to use. Apple XXXX keeps making me apply again because I not using the correct apple ID. Contact apple to notify them that I never open through a different apple I'd but she in the process of fixing it The person that open account already called and close the account. They are able to pull up my social is so that I have had an account open but show that it was closed. Now theyre not allowing me to open up a new account because he keeps on denying me. Purchases which also made all my XXXX XXXX XXXX do you Apple and XXXX And I provide them all information and they are still unable to pull up any information even though I have receipts proving it. The person is calling in changing information and blocking my accounts so Im unable to access them and purchase anything to Apple. I have 10 college and I need to purchase equipment in order to finish my degree in an able to need assistance
|
| 05/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I have a personal credit card with GM Marcus by Goldman Sachs, therefore they have all of my information on file. I have had no issues. Application process went smooth, no problems.
I have applied for the GM Business Card by Goldman Sachs a minimum of ten ( 10 ) times. XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 The scenario is this ; 1. Fill out a pre-qualification.
2. I am approved.
3. Accept or do not accept. I accept.
4. They respond that they need identification verification. Please upload government ID. I comply.
5. 1-3 days later, I expect my credit card information but instead I receive this : *Unable to verify identification information.
I have called customer service, and each time they CAN NOT HELP. They can not help my situation, tell me what to do differently nor send me to someone who can. Ive tried to make sure all information on my application, is exactly the same as on my ID, and on my credit reports.
|
| 05/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Regarding an Apple Card account with Goldman Sachs Bank USA. When requesting the address to make overnight courier payments by check, was given the following address by telephone support : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX.
Then I was told that upon receipt of the check by courier ( XXXX XXXX ), it would take another 7-10 business days to process the check. From the address, it is evident that XXXX is sending to XXXX and then to XXXX, UT, with an interstate routing scheme that appears designed to delay such payments. Thus, XXXX is purposefully making it impossible to accept payments and process them on the day of receipt, even for overnight courier payments by check. I have been doing this same payment for several other XXXX firms today, and all of them credit the payments on the day of receipt. So this arrangement appears specifically designed by XXXX to rob customers of interest and create delayed payments made by check.
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am re writing to bring to your attention AGAIN! that there are entries on my consumer credit report resulting from identity theft. I want to emphasize that I neither provided written authorization nor instructions for these specific transactions to be included in my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], and the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681a ], I hereby formally request that the reporting of this information be blocked and promptly deleted from my credit report. I want to make it explicitly clear that my request to block and remove this information is not made in error, nor is it based on any material misrepresentation of facts by me pertaining to the transactions in question. These identified transactions are not related to any of my own financial activities as a consumer, and they have been listed as follows : APPLE GS/CARD, XXXX XXXX XXXX addresses : XXXX XXXX XXXX XXXX XXXX oh XXXX
|
| 04/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Hello, I signed up for an apple card in late XXXX ( XXXX ) using a promotional link to receive {$50.00} in Daily Cash when you spent {$50.00} at XXXX XXXX gas stations with Apple Pay within the first 30 days of being a new cardholder. This is my first apple card as I have never had one before. I made 2 charges at XXXX XXXX pumps using Apple Pay with the XXXX app totaling {$87.00} in the month of XXXX, clearly within the stated time frame to receive the promotional reward. The transactions are even marked as " Promo Daily Cash '' on my XXXX statement. All I got was 3 % cashback for the transactions. Here is the pertinent info taken directly from my XXXX statement regarding this issue : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA USA 2 % {$0.00} {$37.00} Promo Daily Cash 1 % {$0.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 2 % {$0.00} {$49.00} Promo Daily Cash 1 % {$0.00} Total Daily Cash this month {$2.00} Total charges, credits and returns {$87.00}
|
| 09/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Servicemember |
|
Signed up with XXXX XXXX for a 50 % offer around XX/XX/XXXX2021. Price should have been {$29.00} but they charged me full price of {$59.00}. I disputed with XXXX and they refused to help on email on XX/XX/XXXX21. I disputed the charge on my Apple Card which is handled by XXXX XXXX. They declined me on 4 separate occasions even though I have screen prints of the offer and provided to them on 3 separate occasions and I can provide to you if needed.
Called in today XXXX/XXXX/21 at XXXXAM after being declined again and talked to a XXXX who refused to give last name and refused to close my account saying it must have a XXXX balance. Then requested to speak to a manager and XXXX gets on phone and also refuses to give a last name and finally agreed to close the account.
I care about my credit score and I take it seriously. However, I refuse to pay {$30.00} for something I didnt agree to. In addition I have not used XXXX because I have been speeding the charges since XX/XX/XXXX.
|
| 04/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I put in a dispute on XX/XX/2021 for a transaction I got scammed on. the transaction was for {$2700.00} made on XX/XX/2021. I got an update on the dispute on XX/XX/2021 that the results were not in my favor. I disputed this transaction because I bought jewelry in which the seller told me it had real diamonds, I took it to another jeweler, 3 to be exact and they all told me it was not real, I do have a video of another jeweler saying it was not real. I contacted the seller and requested a refund in return for his fake jewelry he sold me, and he told me no its not his problem, there is nothing he could do about it. Moral of the story he won because he provided evidence that I bought it, in which I did, I didnt dispute it due to fraud transaction, I disputed it because I got scammed. im trying to dispute that dispute and restart the " investigation '' and submit my evidence and I was supposed to get an email but haven't. im disappointed with Goldman Sachs bank and the merchant.
|
| 04/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I was a authorized user on my partners account Goldman Sachs Apple Card, Opened in XX/XX/2021. In XX/XX/2021, I wanted to open my own account, so I closed the authorized user account and I opened my own account. The problem started when my partner and I became co owners for the Apple Card. After we accepted the new APR and combined credit limit, my card disappeared from my mobile device and it said my account was closed. And since then, theres no option to add my card in the wallet app. I cant activate my physical card. Ive been trying to fix this issues since XXXX. Ive called multiple times, Ive chatted multiple times. The last time I spoke with someone it was a manager I believe and they said they were going to look into it but that was about 2 months ago. So I basically have a Apple Card co owner account open that I cant use and have no access to. It shows up on my credit report as a joint account. Goldman Sachs has not fix since XXXX. Its been affecting my credit score.
|
| 11/25/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I have a Savings account with Marcus by Goldman Sachs. In XXXX, I signed up for a promotional offer in my Marcus Savings account for 1 % bonus of savings account. Per this offer, I can get up to {$500.00} bonus if I transfer {$50000.00} new money into my Marcus savings account. When I signed up for this promotional offer, I did transfer {$50000.00} new money into my Marcus savings account from XXXX Bank. In my online account, it showed that I was qualified for this 1 % bonus offer. I have kept this {$50000.00} new money in my Marcus savings account through now, and the {$500.00} bonus should have been posted to my account no later than XX/XX/XXXX based on the promotional offer status link in my Marcus online account. However, it has passed XX/XX/XXXX. But I still have NOT received the {$500.00} bonus yet.
I request Goldman Sachs to post the {$500.00} bonus credit to my Marcus Savings account per the promotional savings account offer immediately, without any further delay.
|
| 04/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have raised a dispute over a {$400.00} refund I was supposed to receive, but have not.
Multiple times so far, the dispute had been denied and it had turned out they werent even looking at any documentation I provided. Each time the dispute is denied, I have since sent over very detailed documents describing the exact situation and why I am expecting a refund.
They have now denied my dispute again because the merchant has already sent over a credit because I already received {$400.00} from the merchant around the same time of the dispute. However, as my documents show, I am expecting 2 separate refunds for {$400.00} each and I clearly only have one refund in my account.
This dispute has been going on for over 6 months and I have not been able to speak to anyone at the bank who actually was a part of this particular dispute investigation- forcing me to re-explain everything from the beginning each time I contact in, and provide the same documents over and over again.
|
| 04/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
*THIS IS NOT A DUPLICATE- ADDITIONAL EVIDENCE ATTACHED* I can not believe I have to keep fighting this. GM states I am responsible for late fees and interest because I did not make payment from XXXX to XXXX. I paid the account in full on XX/XX/XXXX for all charges up to that date. There were only 4 charges after that. {$72.00} and {$15.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX and {$20.00} on XX/XX/XXXX. THESE WERE FRAUDULENT/UNAUTHORIZED charges. All 4 have been disputed and APPROVED by GM. I have attached the 4 approvals and the statements with the original charges. GM is stating that because I did not make payment on unauthorized charges, I am responsible for the late fees and interest that accrued on those unauthorized charges. How is that legal? All authorized charges were paid in full. The late fees and interest are on the 4 unauthorized charges. Once the disputed charges were investigated and REMOVED, shouldnt all subsequent fees and negative reporting be removed?
|
| 06/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
|
| 05/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/XXXX I initiated an ACH transfer through my personal XXXX checking account to withdraw {$66000.00} from my Goldman Sachs ( Apple Savings ) saving account. As of XX/XX/XXXX XXXX informed me that the transfer was declined due to insufficient fund. However, my Goldman Sachs account has clearly be debited the amount {$66000.00} on XX/XX/XXXX. The fund {$66000.00} has not be reverted back to any of my accounts as of XX/XX/XXXX.
I have reached out to Goldman Sachs ( Apple Savings ) customer service line at least 3 times to resolve this issue ( requesting a reversal of the {$66000.00} debit for the declined transfer ). A representative told me the transaction was declined by Goldman Sachs on XX/XX/XXXX, however, I did not receive any notification from Goldman Sachs of this incident until XXXX informed me the transaction was declined on XX/XX/XXXX. The fund was indicated as an " Adjustment '' in my Goldman Sachs account summary. I expected a reversal within 24 hours.
|
| 03/15/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
My applications for Apple Card by Goldman Sachs have been repeatedly denied because they have claimed that they are not able to verify my identity.
Following my initial complaint with the Consumer Financial Protection Bureau, Complaint ID # XXXX, the company, Goldman Sachs Bank USA ( the Bank ) , first offered me a 14-day period to reapply for the Apple Card by email on XX/XX/XXXX. I received a call the following Day on XX/XX/XXXX from Apple Card support notifying me of their invitation to reapply. I was not interested in reapplying for the Card on XX/XX/XXXX, and so the Bank, moved to close our case with the Consumer Financial Protection Bureau the following day.
The case Complaint # XXXX should not have been closed because the issue has clearly not been resolved. My 14-day period to reapply has been effectively reduced to 2 days. I have since reapplied on XX/XX/XXXX, and today, XX/XX/XXXX, was denied the Apple Card because the Bank is unable to verify my identity.
|
| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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Starting XXXX, 2022, my Apple Card has been used for many transactions that I have not authorized. After each transaction, I have notified Goldman Sachs XXXX Apple Card support of the issues as soon as possible, generally in less than XXXX hours of the charges occurring. However, to this date, Goldman Sachs has not addressed the issue or make it stop despite multiple attempts to resolve the issue with their customer support. Some of the transactions resulted in actual merchandise being sent to my address, and I have worked with merchants directly to return all of the merchandise delivered ( receipts of all shipments attached to the complaint and also provided to Goldman Sachs through various interactions with their support ). To add insult to the injury, Goldman Sachs occasionally mails documentation for these transactions that are clearly signed by someone else than me ( XXXX such example attached to the complaint ), yet they refuse to give credit for the transaction.
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| 06/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Recently received my card, made some purchases for my XXXX XXXX XXXX XXXX. Received an email that my statement is ready, clicked on the link and attempted to login, said my password was wrong, I tried to reset it and login, no go. After a co8ple of tries it stated my account was locked. I clear my cache and cookiesx and tried again, nothing. I tried another browser, another computer, still the same thing. I called their " customer support '' and the only thing they managed to do was send my XXXX XXXX into XXXX XXXX XXXX while " XXXX '' me stating that my account was not locked!!!
HOW CAN I PAY MY BILL IF I CAN NOT ACCESS THE SITE?
I also mentioned that I am an American living with XXXX and asked for an agent with XXXX training, and was just met with silence.
I thought this was a legitimate bank, the discrimination and rudeness I experienced is unacceptable and now they are going to claim I didn't pay and make me out to be a deadbeat when I can't even login?!?!
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| 07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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| 11/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. ", is in violation of 15 USC 1692g. " APPLE CARD, '' were to notify me of this in writing 5 days prior. I was not notified. As the Original Creditor, only I can validate this debt. I do not validate this debt.Therefore, the following account must be delete from my report immediately.The reporting of this account are violations of 15 USC 1681, and the Fair Credit Reporting Act { 15 USC 1681 ( a ) ( 2 ) ( B ) } : ( " APPLE CARD, '' ) EXCLUSIONS_Except as provided in paragraph ( 3 ), the " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card or similar device. I never gave '' APPLE CARD, '' any verbal or written consent to report anything on my consumer report. No consent is identity Theft. ( 18 USC 1028A ) - '' AGGRAVATED IDENTITY THEFT. '' )
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| 01/02/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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In XXXX XXXX my XXXX XXXX XXXX son process without my consent or permission some app products in XXXX. XXXX requires created an account in order to have access to their apps since my son is a minor, I log in with my account in his XXXX tablet. My card was registered on my XXXX account on my XXXX cellphone because I was paying XXXX cents every month for extra XXXX data. I removed my card from my XXXX account on XXXX but XXXX by any unknown reason without my consent, kept my debit card information on its system, allowing and processing my child transactions, also I got on XX/XX/2021 an apple credit card to buy a new cellphone but I did never used it to buy something, and XXXX charged that new credit card with more bills without my consent. An XXXX employee was also threatened my action of submitting a claim directly with my bank, After XXXX did not check my claim. The merchant return all the money to XXXX on the XXXX account since all those items were virtual not real.
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| 09/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American, Servicemember |
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Need to file against 2 companies for incorrect information on credit report XXXX XXXX, To date they have not report the account paid in full which was done of XX/XX/2022. 2. I have a letter stating they closed the account and was going to reported it closed and turn over as a collection account. I spoke to them and ask that they change it by disputing it with them and they said it would take 30 days back on XX/XX/2022 still not correct or showing paid in full as of XX/XX/2022 Second company is XXXX XXXX XXXX card for XXXX XXXX XXXX XXXX XXXX : I have several message back and forth with them wanting to know why they closed by account and reported it to the credit reports. This account was also paid in full on XX/XX/2022. They are telling me that prior to payoff amount that they had a return check from XXXX XXXX XXXX so that's why they closed my account. I have asked for proof and they will not supply it and won't dispute the account and correct it as they were asked.
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| 10/22/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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Web |
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Recently I paid {$3200.00} on XX/XX/2020 towards my Apple credit card. The amount did not go through because I had insufficient funds. So I made another payment in the amount of {$3000.00} on XX/XX/2020. It is now XX/XX/2020 and they have not withdrawn the funds from my account. I contacted Goldman Sachs today to figure out why the money has not been taken out of my account, and they said that it takes them longer to process payments after a payment has been declined. Additionally, they said that the money would not be withdrawn until XX/XX/2020 when more interest and late fees can accrue if the payment is declined. The bank said they were unable to assist me by withdrawing the money from my account sooner than later. My credit card account reflects my paid amount so I could overdraft if my payment is declined and I am not aware that the payment has been taken out of my account. I fully expect to have sufficient funds but feel it is fraudulent to do this to someone.
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| 02/16/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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I opened an account with Marcus on XX/XX/23 the promo was earn a XXXX bonus after funding account with at least XXXX from an external account. I funded the account on XX/XX/23. I reached out to find out when i would receive the XXXX bonus, was told it takes 15 calendar days. I reached out again today and was told that the XXXX bonus would not be added until the account maintained open and funded for 90 days.
This seems deceptive, i understand that if i took the money out before the 90 days I would not be entitled to the XXXX bonus, but i was under the impression that the XXXX could be added after 15 calendar days and I would be earning interest on that.
I contacted the chat option on the website, and that was explained to me after I suggested that I contact your organization.
I know contacting your organization is not going to get my XXXX bonus any sooner, but I feel that it was not spelled out explicitly of how and when the bonus would actually be realized.
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| 02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Older American, Servicemember |
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Late last year, Apple credit card pulled a hard inquiry on my credit and issued me an Apple credit card. I did not request this credit card, so I contacted XXXX about this matter.
Apple credit card closed my account and stated to me that they noted my account was closed because they could not verify that I requested, authorized, or applied for this credit card.
I believe this credit card was requested by an XXXX store agent, without my authorization, when I purchased a new iphone. I believe this because the agent signed me up for several other offers that I did not request. These matters have been resolved with XXXX.
Regarding the hard inquiry, the XXXX representative told me to contact each credit reporting agency to request that the hard inquiry be removed from my credit report. XXXX will be reporting this account as closed due to unable to verify that I applied for the credit card.
Thank you for assisting in the removal of the hard inquiry with each agency.
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| 09/18/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Opening an account
- Unable to open an account
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|
Web |
Older American |
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" GS Bank | Online CD and Savings Accounts www.gsbank.comXXXX Get a high yield CD from GS Bank today! ... the check payable to your name ( make sure the name is the same as on the account ) or Goldman Sachs Bank USA. '' My name is XXXX XXXX - please protect this name when publishing this complaint.
Tried to open a CD online in XXXX-2017 and was rejected for providing incorrect info. I know that the information I provided was correct. So I called GSBank at ( XXXX ) XXXX and was rejected again.
Considering the XXXX data breach I contacted GSBank at the # above asking them for the reason for the rejection or for the source of their incorrect info. The Cust Srvc Rep - XXXX - at GSBank told me that he could not disclose the reason why I was being rejected or the source of their incorrect info.
I need to find the source of this bad info so that I may protect myself as it is possible that somebody could be fraudulently be impacting my personal info.
Please help.
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| 12/09/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I've tried contacting Customer Service by phone on:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
and online every month (since XXXX) to get more information about why the daily interest keeps me from paying off my loan in a timely and reasonable manner.
I have been paying as required yet I seem to only be paying approximately 1% off every year as far as I can tell.
More detailed statements about how the monthly amount is distributed between the principal and interest since this loan was established would be appreciated so that I can ascertain if my finances will allow me to increase my monthly payment reasonably.
At this rate, my car loan (which is 7 times as much and a year younger than this loan) would be paid off sooner!
Since phone calls go unanswered and the Website always manages to have trouble any time that I want to question what is going on, I'm seeking information through this medium.
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| 12/22/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Problem accessing account
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Web |
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On XX/XX/2021 I attempted to view my account information at XXXX XXXX. My wife passed away recently so they restricted my access to our joint accounts. First call 39 minutes and no resolution. Second call 39 minutes managed to open an account to transfer all funds to since the joint accounts are no longer valid. Third call 50 minutes and still they can not provide even view access. I tried to escalate up their management change and got ran in circles and put on long holds. The automated system to direct calls is maddening. Around in circles before a human can be reached. I finally got them to update beneficiaries properly as they did not even ask as I opened the account with them today over the phone ( due to lack of on line access to any information or functionality ). They still have not given me access and stated they will call me later today with an update. Virtually all day without system access. Big problem when your business model is self service on line.
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| 08/22/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem making or receiving payments
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|
Web |
Older American |
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I transferred {$7000.00} from my external bank checking to Goldman Sachs savings account on XX/XX/23 I later on that day realized that I did not have enough funds in my checking account to cover my monthly bills so I requested the {$7000.00} be transferred back to my external bank account ( XXXX XXXX XXXX ) I patiently waited and for 5 days and no deposit ever showed up.
I have been calling every day and been transferred to different departments and spoke to numerous supervisors I spoke at length to a specialist at the dispute team I sent a certified letter with my account number as they requested and they received it XX/XX/23 at XXXX XXXX They have verified my external bank twice with me and my external bank account XXXX XXXX the last time was XX/XX/23 at XXXX pm I spoke to them yesterday XX/XX/23 and the Dispute specialist said it would take 30 to 45 days to resolve.
I told her it was not right since I have a large amount of funds already in that account
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| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American, Servicemember |
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On XX/XX/XXXX we entered into a contract with XXXX XXXX XXXX to replace a window, an entry door and 3 patio doors. They installed them in XX/XX/XXXX, but 2 of the patio doors were not the doors we ordered.
They said they would reorder them. They said it would take about 6 months to replace them. I paid for the window, the entry door and the 1 patio door, but I did not pay for the 2 patio doors that were not correct.
In accordance with our contract with XXXX XXXX XXXX.
On XX/XX/XXXX our house burned down.
I advised XXXX XXXX XXXXXXXX and Green Sky that we still wanted the 2 patio doors we ordered and would set up a installation date when we rebuilt our house. The installed the 2 doors in XX/XX/XXXX.
I paid for the 2 doors in full in XXXX.
The problem I have is Green Sky and XXXX XXXX placed the bill for the 2 patio doors in collection in XX/XX/XXXX. I was never advised about this action. Due to this my Credit Score dropped from over XXXX to the mid XXXX.
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| 06/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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I have an Apple Card by Goldman Sachs. There is 0 % installment advertised everywhere if an apple device is bought. I bought an IPhone and told the person at apple that would be an installment plan. He said fine and I used applecard to pay. I was ok to purchase the device because this was going to be paid over 24 months with 0 % interest. But then I realized the full amount on the credit card was withdrawn as payment from my checking account. The bank account was about to be overdrawn. I called, messaged several times and spent hours on this issue, escalated to the supervisors but they researched the issue for 15 days and came back with an answer that they did not do any wrong and money was not returned. More interestingly they opened an installment plan. I am not sure what will happen next. Will they charge for the installments every month. They never get this. This is the worst credit card company I ever dealt with. Never trust Apple card or Apple services.
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| 04/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
Older American |
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XXXX XXXX was letting apple pay deduct money out of XXXX account without his authorization. They were little amounts so he didn't notice them. It did not explain on the withdraw what it pertained to. This has been going on since XXXX. Apple pay was notified and they are only willing to reimburse {$90.00} which was 60 days, I have calculated all of the charges up to when they were taken out and it reached over {$2000.00}. I contacted XXXX XXXX they let the fraud department look at it and says there is nothing they can do. I think apple should be responsible for these charges but they will not help with anything.
I believe that apple should be responsible to XXXX XXXX and XXXX XXXX should have been wondering why apple did not state what those charges were for. I would like some compensation from apple pay but only XXXX XXXX can help me with that. This is fraudulant abuse and should be taken care of. I would like reimbursed my money from apple bay by XXXX XXXX.
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| 01/20/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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XXXX XXXX - XXXX XXXX XXXX ( account holder ) initiated an online transfer of {$4500.00} from XXXX @ XXXX account into personal checking account also owned by XXXX XXXX XXXX.
XXXX XXXX - XXXX posted as transfer " XXXX '' in XXXX 's account however funds never arrived to the instructed destination.
XXXX XXXX- XXXX submitted a dispute to XXXX claiming that the withdrawn funds were never sent to the external account destination. XXXX claims that they are not the responsible party since they see the funds as posted. XXXX confirmed with multiple departments at Bank XXXX XXXX that funds were never received from XXXX.
XXXX XXXX- After several attempts, XXXX refuses to take responsibility of the missing {$4500.00}, confirm where in fact the funds were sent, or how they plan to rectify the situation. As of XXXX XXXX, the funds are still missing out of XXXX XXXX 's accounts as XXXX has seemingly misallocated or outright lost {$4500.00} of their customer 's money.
|
| 07/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I ordered a monitor on XXXX, but the package arrived damaged. So, I returned the package through XXXXXXXX XXXX XXXX pick-up service. After XXXX picked up the package, I was given a return confirmation paper. However, even after the package was delivered to the XXXX return warehouse, they did not issue my refund. I raised the first dispute, but it failed. After contacting XXXX, they told me I had to wait 60 days since the return before receiving a refund. Frustrated, I started a second dispute, but it also failed. When I contacted XXXX again, one of the supervisors informed me that they had already issued the refund. However, due to the open dispute, the refund got blocked. They advised me to contact my bank and ask them to resolve the dispute. So, I submitted all my evidence, including the email from XXXX stating they received my package and would issue the refund. Despite presenting strong evidence, my dispute failed once again the latest dispute id XXXX.
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| 02/07/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I trusted Marcus with the {$360000.00} in savings to buy a home.
They've held my funds XXXX for more than a week and I am at great risk of loosing the house from inability to close.
I've have been requesting a wire transfer from Marcus since XX/XX/XXXX, and it's now after hours on XX/XX/XXXX, I'm still waiting. I've been calling every day and they can only tell me it's pending or run me through a few more hurdles of verification steps.
I've done more than half a dozen iterations of security verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I've spent nearly a dozen phone calls and almost XXXX on the phone ; I'm currently on hold again with them again, XXXX XXXX and counting.
It seems like they are deliberately holding my funds hostage.
They said if I was to cancel my account it would take them longer, so I just need to keep going through this waiting game on their authorization of a wire transfer.
8 days and counting...
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| 10/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I requested a refund in the amount of {$1300.00} for a lodging booking transaction. We paid for a two night stay, but when we arrived, the thermostat showed an error, the heating was not working, and there was no hot water. Temperatures in the area were forecasted to drop below freezing. We called the owner, they said they could not come to look at the furnace before the following morning.
We did not feel it was safe to stay at the property, and left.
When we requested a refund, the merchant accused us of turning off the furnace ourselves. We sent both the credit card company and the merchant a photo of the thermostat, clearly displaying an error message that the furnace wasn't working.
The credit card company replied that our evidence- the photo of the thermostat which said that the furnace wasn't working- did not substantiate our claim that the furnace wasn't working. When asked how it failed to substantiate the claim, they said they could not say.
|
| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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This matter concerns the Consumer File or Report of XXXX XXXX XXXX ( of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) found with XXXX & XXXX and no other matter.
The following dates are instances where Goldman Sachs accessed or otherwise requested or purchased the consumer report without permissible purposes or written consent from the consumer.
Pursuant to 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports, the following transactions were not authorized by the consumer via written or other consent.
XXXX GOLDMAN SACHS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDMAN SACHS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDMAN SACHS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE GOLDMAN SACHS GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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I received what I thought was an interest free credit offer from Apple using their Goldman Sachs credit card arrangement and purchased XXXX XXXX My auto pay checking kept paying Goldman its monthly charge while I accelerated my payments to close out this small debt. I finally realized I had overpaid on my account by more than {$2000.00} but continued to be billed monthly by Goldman as if I still had a balance.
XXXX lengthly phone calls with them produced nothing. the last call was with a " supervisor '' name XXXX who agreed that Goldman owed me money but could do nothing but refer it up their chain. Never received confirmation- via email or text - of my hourlong conversation nor was the billing stopped.
My first call to Goldman was in early XXXX when I asked for - but never received - an accounting of my account with them. Their resolution was just to continue to bill me which they are still doing as well as charging me interest on this phantom debt.
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| 02/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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I made a purchase on XX/XX/XXXX for some items from XXXX XXXX online XXXX XXXX XXXX for {$180.00}. It appears that the company is based in XXXX. I noticed that in XX/XX/XXXX, I still didnt receive the items. So I requested a refund. The company admitted that my package was never delivered to me and told me they would give me a refund once they received the items back. I did not receive the refund as I cant return what I dont have. So I filed a dispute with my credit card company, Apple Card. As of yesterday, the company refused to give me a refund and the Apple Card representatives said because the companys provided proof that I purchased the items and the company said they were giving me a refund, they are ruling in the merchants favor regarding the dispute. Therefore, the {$180.00} charge will stay on the card.This is not acceptable because I never received the items and the company has not given me a refund. Apple Card is not a safe credit card to use.
|
| 03/19/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
In XX/XX/2019, I enrolled in a Goldman Sachs Online Savings Account promotion to receive {$100.00} after depositing {$10000.00} new money and maintain the fund for 90 days.
On XX/XX/XXXX, I transferred {$10000.00} from an outside bank to my Goldman account, making my account balance at the time {$10000.00} ( see attached XX/XX/2019 statement ).
In XX/XX/2019, as I did not receive the bonus, I called Goldman Sachs. I was told that since my balance fell to {$10000.00} on XX/XX/2019 when a {$25000.00} withdraw was made ( see attached XX/XX/2019 statement ), I was disqualified from the promotion.
I feel that this practice was extremely dishonest and unfair for two reasons.
1 ) I was disqualified essentially because I took away XXXX XXXX from Goldman Sachs, while still maintaining the said {$10000.00} balance.
2 ) At no point between XX/XX/2019 and when I contacted them, I was notified of the disqualification.
I hope that Goldman can make up the bonus.
|
| 11/11/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
|
I opened a CD account w/ GS Bank/Goldman Sachs on XXXX XXXX. 2017 on the telephone ... since ... .today, 17 days later, I have not recieved any confirmation at all about this account. No e-mail, no hard copy, nothing! In addition, I have called GS bank 3x first asking when will the " trial transfer '' happen, they said ... '' we do n't tell you '' ... .I 'm asking " how am I suppose to know??? to confirm back to you? '' ( every other financial instituation sends e-mail trial transfer amounts to comfirm BACK to them! ... .then tonight I got " grilled '' /security abuse for asking why, when, where has my CD been funded! they asked more than 5 security questions ( I thought the LEGAL was 3 ) and they/customer service wo n't tell me their name, ID, reference, nothing! who are these people? are they " bonded '' ... this is OUT of CONTROLL! security abuse!, no info. on my ( JUMBO ) CD ... .this is a TERRIBLE ... BAD BANK ... .. BEWARE of GOLDMAN SACHS - GS Bank
|
| 07/09/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
I opened high-yield savings with XXXX XXXX XXXX after the account was opened I attempted to move {$5000.00} out of the account. The bank declined the transfer and locked the account. When I spoke to them I told them " to transfer all my money back to my primary bank '' They said " they would within 1-3 business days '' Since I was locked out of the account I was not able to see the transfer. After 3 days when it had not shown up in my primary bank, I called them back. They then told me " they couldn't transfer the money to the primary account ''. That they would set up a 3-way call in another 1-3 business days with my primary bank. It is just another ploy to keep my money which is none of their business. I want to move the money to another high yield savings with greater interest rates. I can not do anything with the money while XXXX XXXX holds it XXXX. I need the funds released and put back into my primary checking and for XXXX to mind its own business.
|
| 06/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
XXXX of 2019 I opened a line of credit with GS bank usa. Apples new credit card. The card purposely did not come with the card number printed on it.
This became an issue when I lost everything on my XXXX device. I have no history anywhere of this credit card and cant look it up because the card doesnt have a card number and cant look up my statements or transactions. I received no letters in the mail from this card company, no emails or anything to tell me I was past due or what I owed. There is no paper trail at all from them. I have called the card company and they said they didnt see that I owed anything, yet its still on my credit report that I owe {$1000.00}. Ive called the credit reporting companies and they told me to call the card company.
Because of this issue with the card company I am unable to apply for a different credit card since they are reporting a balance due, yet I havent received any statement or any way to even verify the accuracy.
|
| 05/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
I filed a CFPB complaint for payments not applied in a timely fashion, see XXXX.
The response to this complaint does not address all of the factors in my complaint, specifically, that the XXXX payment was handled in a different way than the XXXX payment. The XXXX payment was backdated, without my asking for it to be, but the XXXX payment was not so backdated.
I've also learned since the previous complaint that it is Goldman Sachs themselves that have imposed a {$750.00} limitation on electronic payments from XXXX. Had they not imposed this limitation the payments in question for XXXX and XXXX would have been sent electronically, not via check over the mail, and we would not be here arguing over payments not credited timely.
I again request that my interest charges be waved, as my payments were submitted in a timely manner, and I would again request an explanation for why the XXXX payment was processed and handled differently than the XXXX payment.
|
| 01/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
On XX/XX/2022 I engaged in a consumer credit transaction with Apple Card. Apple Card sent me a adverse action letter that violated my rights pursuant to ( 15 U.S.C. 1691-1691f ) that stated XXXX XXXX XXXX is still reporting a bankruptcy / derogatory public record on my consumer credit report. I have tried to dispute the accuracy of this matter with XXXX several times and the derogatory public record is still on my report. Due to the inaccurate credit reporting, XXXX is directly impairing the efficiency of the banking system pursuant to ( 15 USC 1681 ( a ) ) which is essential to the continued functioning of the banking system. XXXX have ASSUMED a vital role in assembling and evaluating consumer credit and other information on me pursuant to ( 15 USC 1681 ( a ) ( 3 ) ) and have violated my right to privacy pursuant to ( 15 USC 1681 ( a ) ( 4 ) ). Please help me rectify this matter as XXXX have continued to diminish the value of my consumer credit report.
|
| 11/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I understand that errors can occur, but these mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. The other bureaus have already honored my request to remove the late dates and negative status of this account. However, your bureau is the only one that has not updated my payment history. I request that the late payment markings be updated to reflect my accurate payment history. I have identified the following errors in my credit report : APPLE CARD/GS BANK USA XXXXXXXX . I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
|
| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
I bought doors and a window from XXXX by XXXX. They installed the wrong patio doors. XXXX XXXX XXXX agreed to replace the wrong patio doors but it would take about 6 months to rebuild them. A couple of months later our house burned down. I advised XXXX By XXXX that we still wanted the doors for the house we were going to rebuild. In XXXX XXXX By XXXX advised Green Sky that they had installed the doors and requested Green Sky to pay them for the door. Green Sky pay them. The house was not built yet the only thing that was there was the foundation. I advised Green Sky of this and in accordance with the agreement with XXXX By XXXX I did not have to pay for the doors until they were installed. Green Sky put my loan into collection which lowered my credit rating from the mid XXXX to XXXX making me unable to get a loan for my rebuild. When Green Sky was made aware of this they refused to restore my credit rating and said it was up to me to take care of it.
|
| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was promised via phone call that someone would look into my issue. They saw the error that XXXX XXXX made and said that it should be fixed really soon. They also stated they would pull the phone calls made so that the matter can be rectified.
I was enrolled in a hardship program with a representative on a recorded conversation XX/XX/31 and on XXXX The lady insisted that if I made a payment and enrolled in program to get me caught up with my payments that I would not be reported to any credit bureaus as late.
Today, I pulled my reports because Im about to purchase a home and was notified that my XXXX account is reporting late in XXXX and this is now going to affect me for the rest of my life if they dont fix this immediately.
The phone call and messages are all recorded. I need someone to contact me, & contact XXXX credit bureau and fix this immediately.
This is so detrimental to me and causing me not to get my house for me & my new XXXX XXXX.
|
| 07/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I opened an Apple Card through Goldman Sachs on XX/XX/2023. I was given a {$10000.00} credit limit and began using the card as my primary credit card while on vacation. I charged about {$3500.00} in purchases, well below my limit and paid the card off in full well before it was due. Without notification or explanation my account was restricted. I was rejected from using the card for any purchase. I contacted customer service on XX/XX/XXXX to find out why my card was restricted. The representative could only tell me it was under review and that they would escalate my concern. I contacted them again on XX/XX/XXXX and XX/XX/XXXX and each time I was told the same thing that my request for an explanation could not be addressed by them and they could not get a supervisor on the line to explain. I can not understand why I would be denied credit after being extended a credit card with a significant limit that I promptly pay. This is terrible customer service.
|
| 07/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/22 I submitted a payment in full using my credit unions online bill payment service to the XXXX XXXX by Marcus Sachs. The online bill payment system shows that a check was sent to MarcusXXXX XXXX and was scheduled to be paid by XX/XX/22. ( This was the due date on the bill from MarcusXXXX XXXX XXXX On XX/XX/22 the credit card company suspended card usage to my account claiming non payment and assessed a late fee and finance charge to my account.
I contacted Marcus/XXXX numerous times to resolve the issue via phone and social media platforms. No one was able to resolve this issue to my satisfaction.
MarcusXXXX claims that they could not find the payment in question and continued to restrict credit card usage. The check number, confirmation # and date of transaction were provided to MarcusXXXX on numerous occasions.
I do not want this reported on my credit report as a late payment due to malfeasance on the part go MarcusXXXX credit cards.
|
| 01/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2022 I purchased an in app ( in game ) item from XXXX, for a game called XXXX. The item was fraudulently listed, and wrongfully represented.
I made this dispute with and through XXXX they decided in my favor.
The app then revoked my access to their content. Including but not limited to content, that I paid for.
I tried to dispute this with my credit card company, but they passed me to XXXX, and XXXX said it was supposed to be resolved with the credit card company. It is a viscous cycle, and I need a resolution.
The following dates, are dates that I made in app purchase for content, content they will no longer have access to, because of the initial dispute.
XXXX {$19.00} XXXX {$19.00}, {$19.00} XXXX {$19.00}, {$19.00} XXXX {$19.00} XXXX {$19.00}, {$19.00} XXXX {$19.00} XXXX {$19.00} XXXX {$9.00}, {$9.00} XXXX {$19.00} They have made no clear way to contact them, and/or voice my issues nor a clear way to dispute a credit card transaction.
|
| 06/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
My brother in law helped me opened up a Goldman Sacks credit card in my iphone in XXXX, I didn't use it much as I am XXXX XXXX XXXX and not good at using the fancy stuff. from XXXX I used it more, as it just showed up automatically on my phone. Initially I thought it is part of apple app and can deduct the amount from my app account. I didn't get bills as it is all in the apps and I didn't know where to find the bills. Then I got calls from GS when they became over due, I always paid off the whole balance. After a few times I realized I should set up autopay so I did and thought that I don't need to worry about it. Then a few weeks I was doing loan and I was told that I had {$700.00} over due, so I called XXXX and asked why I had a overdue balance when i have autopay which is supposed to payoff the whole balance. I was told that the autopay could only pay the current month balance and not prior balance, but nobody told me that when I set up auto pay.
|
| 04/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Dear Goldman Sachs, I am writing to express my deep dissatisfaction and frustration with your company 's recent violations of consumer laws and codes that are in place to protect individuals from credit card debt when they are unable to work due to medical issues.
I have been a loyal customer of your company for several years and have always appreciated the benefits and rewards that come with using your credit cards. However, when I was diagnosed with a medical condition that prevented me from working, I was shocked to discover that your company continued to charge exorbitant interest rates on my closed credit card account, despite my inability to make payments.
I feel that this behavior is in direct violation of consumer protection laws that are in place to prevent individuals from falling into crippling debt due to circumstances beyond their control. It is unacceptable that your company would take advantage of vulnerable customers in this way.
|
| 05/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX I sent Goldman Sachs and Validation of debt letter when I noticed an account on my credit report that was not mine. Still to this day I have not received any original contract or anything. They continuously say they're investigating it. I have sent them and identity theft report and Affidavit of Truth on XX/XX/XXXX due to not receiving an answer in over two months. Now we're in XXXX and they are reporting negatively/ missed payments on my credit during the whole process and still have not contacted me regarding their " investigation. '' I have called them every other week to check on the status and every time get the same answer. This was XXXX of XXXX accounts opened fraudulently and the other XXXX corporations closed and deleted the accounts without any issue. Only Apple Card/ Goldman Sachs is giving me an issue. This is causing me a lot of distress as I had a 100 % payment history on my credit and never had this happen to me before.
|
| 11/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
On XX/XX/ I opened up an account with XXXX by Goldman Sachs. After transferring {$1600.00} from my bank account into the savings account, they randomly closed my account and said that I must call them to have it reopened. After having MULTIPLE calls with different customer service people, finally they concluded that they can't open my account and that all they can do, is close my account. One person prior to this even said that they would send me papers in the mail so I can have my account reopened, but 2 months passed and they never did, even though they said it would take 7 business days... So I decided I really don't have a choice but to close my account. They said that If I call back in 2-3 business days, we can TALK about having a check mailed to me. My account has been closed since XX/XX/XXXX and they still have yet to give me my money back. I'm so frustrated with this company and it feels like my money was simply stolen from me. Please help
|
| 05/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
on XX/XX/XXXX I was charged XXXX on my apple card ending in XXXX. I began receiving hundreds of spam messages and mixed in the middle was a XXXX receipt from XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX United States for Invoice # XXXX XXXX XXXX XXXX XXXX ( XXXX sq. ft. ) XXXX hours {$1200.00} Includes...
- Interior/Exterior Photography - AI Post-Production Enhancements XXXX FREE Blue Sky Replacement for Cloudy Days on up to 5 photos - Comprehensive On-Site Layout Assessment.
- Branded 8.5 '' x 11 '' PDF Floor Plan suitable for printouts and brochures.
- Unbranded Floor Plan linked directly to MLS once listed.
I have no such building for onsite photography and assessment. if this were authentic, an address and connection to be would be easily produced.
the charge was upheld on XX/XX/XXXX.
I reiterated the fraudulent and authorized nature and requested their gathered evidence. no evidence was provided and the charge was restored on XX/XX/XXXX.
|
| 10/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
Back in XXXX of XXXX i made severall purchases with XXXX and home depot the home depot charge of {$180.00} is a duplicate charge i placed an order from.home depot and homecdepot cancalled it and statrd they would give me my money back which they never did i checked my statements and nothing was ever refunded. I have explianed this to applevcard severall times only to be told that the charge is vaild they are not listening to me. 2nd charge is from XXXX for {$240.00} i upload and submitted documents severall times showing i returned the merchandise to XXXX i dont know what the problem is with this order i uploaded the tracking number showiing this returned to amazon XXXX {$170.00} XXXX XXXX apple card states the merchant gave a refund but when i look at my statements it says merchant denied refund and it does not show up added to my statemt. I dont know what the isdue is i have explained this severall times to apple card but yet they dont listen.
|
| 10/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
On XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX My wallet, Id, credit & debit card stolen.My Apple ID and I-phone was compromised they accessed all my personal financial files, emails, existing XXXX XXXX account, electronic wallets, and social security number. XXXX police report XXXX. FTC report XXXX. When I learned they opened an Apple Card in my name, I immediately called Apple to report the fraudulent activity which at that time the balance on the card was close to {$3000.00}. They assure me they closed the account and would investigate further. Two weeks later I received a notification from the Credit Bureau my credit score decreased by XXXX points and the Apple Card is now at {$4800.00}. I called Apple back they apologized the card wasnt closed and it was an error on their part. They still havent removed the information from my credit report and the case remains open to date. Now Im a victim of this banks negligence. Please assist me and thank you.
|
| 03/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
Transaction date : XX/XX/2022.
Amount : {$960.00}.
I am an XXXX XXXX stationed in XXXX. While vacationing in XXXX I signed a non-binding agreement to purchase 2 tailored suits. However, upon finding out they were scamming and overcharging people, I canceled the order and did not go in for my measurements/fitting. The merchant, being the scammers that they are, proceeded to charge my card anyway. I disputed this charge over a month ago. The company sided with the merchant because I signed the agreement. However, the merchant NEVER provided proof that the items were delivered to me. I showed them evidence that I never even took the measurements. The credit card company outright refuses to send me the alleged evidence they collected to arrive at their conclusion. Instead, they are asking me to proof that the items were never delivered. How am I supposed to do that? The burden of proof is on the merchant as in showing signed delivery confirmation.
|
| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Older American, Servicemember |
|
I called Apple and told them that I submitted for a Apple Card. I never received a card and I never charged anything on it. They stick by their reporting and it has cost me thousands of dollars in purchasing things like vehicles and appliances ETC. Well I received a report XXXX XXXX that the account was written off, my question how do you write off {$0.00} dollars? If I had this account and charged nothing how do you write off nothing owed. They were showing that I owed {$2.00} but when I talked to them XXXX XX/XX/2022 they said that I owed {$0.00} dollars to them, and they couldn't find anywhere where I owed them, yet they will not remove this information from my report. These tactics are XXXX and XXXX in nature and it shows just how far companies are willing to go to hurt consumers. Is this behavior to show how powerful they are or just what they can get away with? They destroy your credit and cost consumers millions even billions every year.
|
| 12/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I placed an order for an XXXX computer and accessories on the XXXX XXXX XXXX on XXXX XXXX, 2021, using the 0 % 12 month financing offer on the Apple Card ( by Goldman Sachs ). Typically, the taxes for financed orders are charged immediately. In this case, the taxes were {$110.00} for the XXXX. I cancelled the order within an hour, as I noticed I forgot to include some items that I wanted to finance. The order was successfully cancelled by the XXXX XXXX XXXX and the installment plan was successfully closed out on my Apple Card ( by Goldman Sachs ).
My problem is that the {$110.00} pending charge for the taxes on the order never dropped off of my card. I have called and complained numerous times in the past 5 months to both the XXXX XXXX XXXX and Goldman Sachs for the Apple Card. Both send me in circles for hours and are unable to help me.
I would just like to get this charge removed, as it is affecting my available credit and reporting balances.
|
| 11/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I went to XXXX XXXX XXXX in XXXX XXXX, NJ at XX/XX/XXXX. I used Apple Pay. I was charged XXXX, with XXXX being credit transaction fee. The charged showed up on my Apple card statement, so I have cleared the transaction. On XX/XX/XXXX, I was informed by XXXX XXXX XXXX that they only received XXXX XXXX out of the XXXX XXXX Further I am being charged in their forthcoming bill. I contacted Apple and they said I was only disputing XXXX XXXX instead of XXXX XXXX After escalating to their advisor, they claim this was a mistake and I really paid XXXX XXXX But this does not explain where the XXXX XXXX in dispute coming from. No one contacted me afterwards to clarify. Now I am facing a XXXX XXXX unpaid bill. I tried to contact XXXX XXXX XXXX but I was told that the billing department was short ( of people ).
I think I need some help from you to resolve this. I already submitted my proof of payment to XXXX XXXX XXXX and Apple, but no response so far.
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I've asked all 3-credit bureaus to do a thorough investigation on all of my accounts in which they did, and they have stated everything was accurate. I then reviewed the reports on my own and discovered that there are still improper inaccuracies on my XXXX, XXXX and XXXX credit reports.
The account and payment history that I found to be inaccurate is : Goldman Sachs Bank USA, Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX These accounts do not belong to me. I have notified all 3 Credit Bureaus of this and asked that it be removed entirely from all 3 of my credit files, which they refuse to do. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number ending in XXXX has violated my rights. 15 U.S.C 1681 section 602 A states that I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
|
| 12/09/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Marcus by Goldman Sachs offers a 1 % referral bonus to customers who successfully refer a friend or family. Even after multiple instances of representatives confirming a friends account being opened as a result of my referral and my friend confirming he used the link ( techs, spoke to my friend TWICE ), Marcus by Goldman Sachs has denied me the bonus. The representatives lack customer service and an ability to solve client concerns. They state that if I would have called within 3 business days of the account being opened, that they could have manually credited my account with the referral bonus. I notified them within a week. XXXX. I asked where this was disclosed to customers and they advised that it is only disclosed in internal procedures and not to the customer. Can you say false advertising? Unacceptable! I will be closing my account and Id advise anyone who cares about the legitimacy of their bank and CUSTOMER SERVICE to find another bank.
|
| 05/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I noticed when I went online to pay the monthly bill I had incurred interest that wasn't supposed to be there till XX/XX/XXXX, I got the {$5000.00} loan XXXX XXXX, XXXX, for electrical work. I called to see why this was happening and XXXX just explained about the monthly payments not going up. Not the question I asked.
I was told when I got the loan we had a 6 month grace period with no interest. We have already paid more than half ( {$3000.00} ) of the loan already but it has incurred almost XXXX dollars in interest since XXXX XXXX which I looked back on the statements is when they started the interest.
I asked XXXX again why I was incurring interest and she went to talk to a manager I suppose. She came back and stated that I was not put on the no interest for 6 months program. So said I will be contacting the state attorney general about the Bate and Switch and then I thanked her because I had a drs. appointment in half an hour and hung up.
|
| 01/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Item was bought on XX/XX/XXXX with a merchant costing {$570.00}. Merchant never contacted me about item. I had to reach out and contact the merchant after 1 week, merchant noted delays. A week later additional delays. I requested a cancellation of order due to delays. Merchant would not refund charge to credit card. I filed a dispute with Apple Card. Case was opened by Apple Card. Temporary refund was giving. Case was ruled in Merchants favor as of XX/XX/XXXX, given that I never received the item and wanted to cancel before shipment and delays of item. Now I have a charge {$570.00} for an item I do not want or never received months later.
In addition, since being Apple Card, when my transaction ran they gave me an Apple Cash of {$5.00}, once the dispute ran Apple deduct this amount directly from my Checking Account, which was not authorized. I would like the {$5.00} Apple Cash credit since this was a transaction, if I am not ruled in my favor.
|
| 04/03/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Servicemember |
|
Dear CFPB, One year ago today, we put money in CD for one year at GS Bank, it matured today XX/XX/2018. I called bank today to give an instruction of " do not renew, transfer money to Savings. '' I was told that transfer takes 1~2 business days. GS Bank tries to hold onto people 's money as long as it can by using this kind of unlawful delaying tactics nowadays, hoping a 10 day grace period runs out in the meantime.
I had gone through several scary experiences with this bank over a couple of year that just wanted to close the account. This bank also received horrible reviews that I wanted to take these reviewers ' advise. Total amount as of today, including two days interest, should be {$250000.00}. CD # XXXX.
Without CFPB 's support, I wouldn't have had online banks in the first place, but even CFPB 's support nowadays, I don't feel our money is safe, since GS Bank has gotten so bold criminally.
GS Bank needs CFPB 's oversight for sure.
|
| 11/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
On the XXXX Rewards credit card, they forcefully converted the card from a cashback program to a points program without providing any exception to redeem for those who did not want to convert. They have an option to link the points from the card to an existing XXXX Rewards account, but the option has not functioned for the past 9 months. They deliberately make it difficult to find their phone number, not including it on their website and I had to use a search engine which found it in their terms and conditions, they outright refuse to provide an email to contact as well. Before the conversion to points, they changed their rewards program to allow redemption for a gift card ( up to {$200.00} per year ). This appears to be a deliberate attempt to deny access to earned rewards as their website is not allowing access to points earned on the card, and if you attempt to redeem by phone they advise you can only redeem for gift cards on their website.
|
| 10/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
Ive been having issues with Goldman Sachs since the transition from XXXX XXXX. I was receiving paper statements since the transition. However they had my name wrong and when I went to change it to my legal name I have not received a paper statement since. I did not change that option myself. Numerous customer service reps have been unable to assist me and keep transferring me to another who doesnt know. I have at least 3 customer service reps written down that have failed to resolve this issue. I highly suggest actually using your recorded system to do a quality check on my account and unsuccesful attempts I have made with no results. Im sick and tired of getting " potential spam '' calls from this company and remaining unresolved. My monthly hardship agreement with XXXX XXXX prior to the transition is $ XXXX. Now its accumulated with fees probably and no one can help me. If I dont get a paper statement I do not know when my payments are due.
|
| 01/02/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
I'm not sure about the exact dates, but I believe this issue transpired sometime between XXXX and XX/XX/2020. My child had created a face id on my iphone without my knowledge and then downloaded a game where she then proceeded to make roughly $ XXXX of purchases spread out through several of my credit cards that were stored in my wallet, including {$2000.00} on my Apple Card from Goldman Sachs . When I discovered the issue I immediately contacted all of my credit card companies and after their investigations they determined that the charges were fraudulent and refunded the money. Goldman Sachs however did not agree that the charges were fraudulent. So, I went to my bank and they found that the charges were fraudulent and refunded the money. After this, Goldman Sachs closed my account and charged me for the charges. I have been making payments to avoid credit issues, however, I never authorized these charges and I shouldn't be paying for them.
|
| 12/16/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
I am trying to close my deceased wife 's Apple Card with Goldman Sachs and they won't let me close it or provide me with any information where I can send a copy of the death certificate. They want me to search my wife 's phone to find information about her card. I am unable to do that. Previously, shortly after my wife 's death on XXXX/XXXX/2019, I called to report her death. I called again on XXXX/XXXX/2019 and offered to give Goldman Sachs any information to identify that I am authorized to close this account, including my wife 's name, social security number, address and the account number and they refuse to give me an address to send this information to them. Unfortunately, there is no paper record to help identify this card.
Because of their refusal to cooperate with me, the card remains open, the charges continue ( because some charges were on auto ) and interest continues to accrue. I also can not close her estate or get a final bill.
|
| 01/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I have purchased a computer from XXXX online on the Apple Goldman Sachs Credit card under the promise that I get {$220.00} or 6 % back. I completed the transaction and received the computer. I went to the XXXX XXXX to purchase an XXXX XXXX support. The XXXX Store Manager told me that since I am a business. If a return the laptop and repurchase it then he will not only give an additional discount, but I will keep the {$220.00} received as part of the promotion. I asked him to verify the information, and he called Goldman Sachs as XXXX XXXX EST on XX/XX/2020. Goldman Sachs told the XXXX Advisor that the cash back was mine to keep. I have three affidavit notarized witness statement that were also provided to the FTC, FBI and XXXX Metropolitan Department. I am a victim of fraud here and being forced to pay something I never authorized, agreed upon or charged and it is in accordance with federal law enforcement agencies a crime.
|
| 08/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This company is reporting an account on my credit report that is not mines i am a victim of identity theft.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 07/31/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Our XXXX year-old son applied for a Marcus online savings account. He was denied. I recommended he call them to see why. Apparently, Marcus told my son they did not know why he was denied. After reading the CFPB website information this morning ( XXXX ), I called Marcus ( with whom I have an account ) and asked if their practice was to provide to someone denied an account the name of the third-party reporting agency Marcus used that resulted in the denied application. The Marcus supervisor told me that, for security reasons, they can not provide the third-party reporting agency to said person. I asked the supervisor how someone could remedy the situation if they can not contact the third-party reporting agency to verify report information. The supervisor could not help me. So, my question is, " Does Marcus by Goldman Sachs provide third-party reporting agency information to individuals denied an online savings account? '' Thank you so much.
|
| 12/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Encouraged to sign up for Apple Card. Was told the 6 % cash back would be available with the card. Applied but wasnt told specifically about the timeframe for the offer term validity. Turns out offer is only valid through XX/XX/XXXX. Application was conducted in store on XX/XX/XXXX. Application was entered properly. Card app is now under review. Wasnt able to purchase product with cash back discount. Was encouraged to buy and then return by store employee. Seemed like a way to convince us to simply buy. Wouldve purchased either was but didnt seem fair. Was told by employee that approval would be on the spot. Contacted support and despite information being properly entered and no credit freezes, new loans etc taken out, the app is under review. Support stated that it would be several days ( which likely means week ). Store employee said it would be 24 hours. Not a fair process or way to gather new credit card users. Seems fairly predatory.
|
| 10/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
This is the second time that XXXX has submitted false information to the credit reporting bureaus regarding this account. XXXX reported this account as a delinquent charge off in XX/XX/XXXX, but promptly corrected it after my complaint here. However, I received a credit alert on XX/XX/XXXX that XXXX is reporting my account as delinquent again.
On XX/XX/XXXX, I contacted XXXX XXXX at XXXX to find out why my account is being reported as delinquent and to have it corrected. She didn't have any answers but said she would start an investigation, that was XXXX weeks ago. My XXXX XXXX has dropped XXXX points across the board. When I log into my XXXX account, it shows as current, and it should ; payments have been on autopay for the past couple of years. I even received the 10 day reminder email about the auto payment on XX/XX/XXXX. I have attached my payment history from XXXX 's website as well as the email for the auto payment on XX/XX/XXXX.
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I opened an account with Capital One in XXXX and have an ongoing relationship with them. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made a late payment in XXXX, I was affected tremendously by XXXX. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I have had with your company for the last 6 years. This one late payment is causing me extreme hardship. I am hoping that Capital One can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payment in XXXX of XXXX. I have really enjoyed doing business with Capital One Bank and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome from Capital One. Thank you for your time. CAPITAL ONE XXXX
|
| 02/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX I received a notification that my Apple Credit Card ( issued by Goldman Sachs ) was being used at anXX/XX/XXXX. As I was sitting at home, it was clear that this was being used fraudulently. Before I could cancel the card, it was used a second time at a nearby store. Afterwards, I was able to cancel the card and was in touch with Goldman support to let them know about the fraud. The following day on XX/XX/XXXX, they applied a refund to my card in the amount of the fraudulent purchase. I thought all was well.
On XX/XX/XXXX the refund was reversed, and I was told I owed ~ {$1200.00} ( for the fraudulent purchase ). In addition, I was immediately charged interest on this balance. I have gone back and forth with Goldman support over this past week and they seem unable or unwilling to fix this issue, and have also shared with me they have reported to the credit agencies that I have missed a payment, obviously not a good thing.
|
| 08/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I had my furnace replaced by XXXX. Set up the loan with them. It was supposed to be a 5.99 % fixed simple interest loan. Never did I receive any loan documents. This happened XX/XX/XXXX.
Got a bill from a company called Greensky on XX/XX/XXXX. It was bill for the furnace and the interest rate was 9.99 % with a promotional period.
I immediately called XXXX and told them that was not what I have agreed to. And where are the loan docs. They told me that it was not their problem.
So now, Greensky is charging me fees like, we reviewed your loan, {$120.00}. I have accrued interest charges of {$690.00} after the interest that I have been paying, {$560.00}. I have no idea of what these charges are. Never have I received loan docs. Plus I have to pay back my credit limit not the amount I borrowed.
I have called Greensky, but they are no help.
Since they reviewed my loan, now my payments increased. I only had this loan for XXXX months. HELP
|
| 08/11/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/2020, I transferred XXXX to an existing online Savings Account I had with XXXX by Goldman Sachs Bank. However, this bank suddenly dropped its rates from 1.05 % to 0.80 % in less than a month and I had to return my money back to its source savings account with a different bank. XXXX sent me an email message informing that the transfer was complete on XX/XX/2020 however the money never showed up at the destination bank as of today XX/XX/2020 XXXX one week )! I've tried to log in to my online account, however I was prompted by a message indicating that my account was locked and requested that I call XXXX. After calling this number multiple times I was prompted by automated messages which could not help me unlock my account. Finally, I was able to speak to a representative who was unable to unlock my account and could not reach out to a banking representative to do so. He advised that he would call me back within two business days.
|
| 10/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
On XX/XX/2023, I made a payment for {$1800.00} and was told that the interest charge would be {$43.00}.
Instead, I was charged {$86.00} I made countless efforts by Support chat and over the phone to correct the issue, but no agent was able to take actual power. They said it was because of trailing interest from a previous month, but that is entirely untrue, because the balance had been paid in full during those months.
Out of frustration, I have closed the account and will be paying the balance in full now to avoid future interest.
The systems from this company and credit card are completely mismatched with true information. The best example is not just the overcharging interest, but the fact that when I closed my card today that they could not close the account with the full balance paymentto say that another way : I tried to pay the full balance of all charges and they would not even accept it! Will I be charged interest on that?
|
| 05/15/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I had opened a High Yield savings account through the Apple Wallet with Goldman Sachs Bank USA. I went to buy a new car and put in a transfer in the app for {$10000.00} on XX/XX/2023 at XXXXXXXX XXXX. The transaction was to take 3-5 business days. Today is XX/XX/2023, I have made three phone calls to Goldman Sachs Bank, I was told they needed to verify that I was making this transfer. However, they never contacted me in any form. No phone calls, no text messages, no emails, nothing at all! I called on XX/XX/2023, to find all this out about the verifying of the transfer. After I did the verification process with the lady on the phone. They sent me a text message with a code that they needed to enter to push the transfer through. I was told it would only take 1-3 business days after she did this. It still hasn't happened! I'm on the phone once again trying to get this taken care of. This is very poor and didn't follow their own policies!
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to complain to XXXX XXXX XXXX XXXX about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
|
| 08/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I have tried several times over the last year to get an Apple Card Credit card issued through Goldman Sachs. I have been denied each time even though I meet all credit criteria. The reason given in the email that is sent to me on rejection is that I have been recently past due. This is based on my XXXX credit report. I monitor all of my credit reports and the last time I was past due on anything was over four years ago.
I have contacted Goldman Sachs several times and have asked them to review my application. They can not tell me what they mean my recently past due and they say they can not manually review my application. I have twice asked for a case to be opened for someone to look into an issue with the algorithm and they refuse.
They just say they can not approve my application. I am asking for clarification of their criteria and a manual review of my application.
I am happy to provide my credit report if needed.
Thank you.
|
| 05/15/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Regarding : Unable to open a savings account with XXXX by Goldman Sachs On XX/XX/XXXX I attempted to open a savings account with XXXX online on XXXX. After filling in my personal details the web application failed to pull my personal / credit information from the records and it was declined.
On XX/XX/XXXX I called XXXX customer service, citing the application number. I was told to try reapplying online. I did what was suggested, trying to apply twice with a slight variation of my apartment number ( both are correct ). Both application were declined. I called customer service on the same day and was told to apply by phone after 24 hours.
I called customer service again on XX/XX/XXXX and after citing the application number I was told I would be unable to open an account. The customer service rep refused to specify a reason. I escalated to the supervisor, who again refused to state a reason and declined to provide an escalation path.
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello Today is XX/XX/23 and this IS NOT A DUPLICATE. This is a complaint regarding Apple Card and their reporting on my XXXX credit report as there is yet another inaccurate reporting that has cause me hardship. I submitted a complaint before to no avail and now I am asking the CFPB to step and and hold GS-Apple Card accountable for their failure to accurately report information on a consumers report per 15 USC 1681a . This is the second time my score has decreased by more than 70 points. This is not only causing me stress but the inaccuracies are affecting my dealings in commerce. Lastly its my understanding that GS Apple Card has an arbitration agreement and that agreement was not followed during the closing of the accounts. Lastly I XXXX XXXX am technically an investor with Apple Card as I am that my application, transactions, and other deposits of this account was being utilized with benefit to me the beneficiary XXXX XXXX : XXXX
|
| 05/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Last month my Apple/Goldman Sach card didnt do the autopay correctly - and I got charged a interest fee I called in, fixed it, and asked them to waive fee and paid what they said I needed to pay.
Then this month I paid in full early. But still got an interest charge.
I contacted them and they said oh you didnt pay on full last month I reminded them that was Apple/Goldman Sach error XXXX
They just kept saying you didnt pay in full las t month so this month even though I paid in full they are charging interest.
They wont refund this month or fully refund last month.
What card requires 2 months if paying in full to wait interest for the current month?!?!?
Again. I setup autopay from my account. They made a mistake. I tried to fix it but they didnt fully refund it. Then this month I confirmed I paid in full but still got charged interest again.
I think this is Apple scamming into getting interest charges they do not deserve
|
| 02/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I had some bad fraud going on with my credit cards and bank account for over 2 years now. Most recently the Apple Card. While I was out the country and unable to come back due to the pandemic. My apple card was getting used after my XXXX and XXXX where stolen. Which i reached out to apple and informed them. There was over {$20000.00} in transactions made and {$16000.00} in payments taken out my account. Ive already let my bank know. But Goldman Sachs indicated I wasnt responsible and how i dont need to worry and how theyll get the charges credited and my payments back. Instead they closed my Apple Card and said I was liable for the fraudulent charges I never made. This is horrible customer service and to be told Im not liable for any fraud and then to close my account and say Im liable is a slap in a face to me.
This pandemic was hard on everyone and so much fraud was done during that time and they have the audacity to say Im liable
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 11/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have made several purchases at the XXXX and charged it to my XXXX XXXX card by Goldman Sachs. I returned several items after I made several installments on them to Goldman Sachs but when I returned them Goldman Sachs did NOT issue a full refund on some of them. I have returned a XXXX XXXX watch XXXX on XX/XX/2022 and I should have refunded back the XXXX dollars that I paid as a first installment but I did NOT. Then I returned an XXXX and I should have been refunded XXXX dollars which I did NOT. And also since I started using this card back in XX/XX/2022 Goldman Sachs has overcharged me several times and I opened several disputes which are still not resolved. Goldman Sachs still owes me XXXX dollars plus another XXXX dollars for a total of XXXX dollars which they should refund back to my XXXX XXXX card. I am attaching screen shots where the installments made on the XXXX band and the XXXX should have been refunded but they are not
|
| 12/03/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Dealing with Marcus has been a real nightmare. My account got blocked on XX/XX/XXXX, and despite making four lengthy calls this week, I'm still stuck in a verification limbo. They couldn't send me a PIN to my cell phone, and it turns out it's because the number traces back to my wife, who set up the wifi in our apartment.
After many hours on the phone and requesting to speak to a supervistor, they suggested either going through the tedious process of sending an affidavit ( and getting it notarized ) via mail or getting a new phone number linked directly to me. Opting for the latter, I got a new number, but alas, this morning 's call brought more frustrationstill no PIN, and I'm back to the affidavit option.
Currently locked out of my account, it seems like accessing it will be a long wait and I am scared I will not be able to access my savings. This has been the worst customer experience ever, Marcus is to avoid like the plague.
|
| 06/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
I made two seperate purchases with XXXX in these purchases I chose to do a trade up program where I purchase devices from XXXX and return an older model for credit. After receiving my merchandise, XXXX sent out trade in kits which are empty boxes where XXXX instructs me to put the phones in the box and ship back to apple for a refund against my original purchase. After thoroughly doing so and shipping back the trade in kits which consisted of XXXX trade ins per purchase for a total of XXXX traded in phones, XXXX honored the trade in of XXXX devices per purchase and canceled XXXX of the other XXXX per purchase for a total of XXXX canceled trade XXXX. XXXX then did not ship me back my device or kept my device. I have been scammed out of my devices and XXXX will not even give me a proper explanation of why. I am due a refund or return of my merchandise. The XXXX transcions in question are as follows : Web order # XXXX web order # XXXX
|
| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Reporting Act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account Name : APPLE CARD GS BANK Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not refurnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes, which indicates the report by more than seven years 15 U.S.C 1681s- ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable calls to believe that the information is in accurate
|
| 08/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This problem has been ongoing since XXXX, I have had to open multiple disputes through Apple credit card ( goldman Sachs ) and every time I open disputes, they ALWAYS favor the merchant ( XXXX ) There were multiple unauthorized purchases on my card through XXXX, XXXX helped with most of them besides one order that was {$1400.00}. My credit card issuer Goldman Sachs is saying that the dispute keeps favoring them no matter what evidence I give them.
I really want to sue or something, I have no idea what to do now. Goldman Sachs wants me to pay them the full XXXX no matter what. I did not make this purchase through XXXX.
Order was made on XX/XX/XXXX, and I had to open like 10 disputes already through them.
XXXX said they cant refund it because my account was closed or suspended ( because it was hacked ) but no idea why they wont help at all.
I do not plan for paying this AT ALL.
If you need proof of anything, let me know please
|
| 08/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
XXXX submitted a fraudulent charge to a apple MasterCard from Goldman. Goldman was to apply a credit during the dispute but never did so. Now my credit score has been affected by this charge and it is further affecting my ability to get loans for a business.
XXXX must make amends for posting a fraudulent charge. They have since posted a credit but Goldman 's is holding it in their backend system because YOU give them the right to hold it for five days.
Goldman 's must apply a true credit to my account while the credit from uhaul is gathering interest in one of their accounts. Lol. I wish this were funny but this is an example of how federal regulations hurt the consumer. If credits were to be posted immediately this would not be an issue. The dispute process on the Apple Card is broken and their interface to communicate what they are doing is inadequate. Chat is great for catching up with friends but does not work for banking.
|
| 05/27/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
On XX/XX/2020, I tried to open a Marcus savings account with Goldman Sachs. I filled out and submitted the application online. Immediately after submitting the application, the website told me that my account had been locked. The page provided a phone number, XXXX, and I was instructed to call to unlock the account. I called the number and was asked to provide all of the information I had just entered online. After confirming that I was the person who made the account, they told me they could not open an account for me because they could not verify my identity. They refused to explain why or how they made their decision. I asked if I could reapply and they said I would be refused again. I checked my credit report on XXXX, XXXX, and XXXX, as well as my consumer report on XXXX and XXXX XXXX, and there was not a single negative entry on any of them. I want to know why and how Goldman Sachs made the decision to not give me an account.
|
| 08/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX is reporting closed and paid accounts as still open. This is still having a negative effect on credit score. They are using too many accounts with balances that are paid off and closed to deny credit. Derogatory public records or collections filed. Too many accounts with balances. Proportion of loan balance to loan is too high. After reviewing my credit report I noticed several errors. XXXX XXXX is reporting all accounts including loans paid off and no longer active as total dept and balances. They are reporting to lenders that I have to many derogatory comments and collections. The credit reports show only 2 collections filled against my report. One for {$180.00} and one for {$780.00}. They are reporting too many accounts with balances. That is because they are not telling lenders accounts that are closed and paid in full as open accounts with balances. They a reporting the wrong income to ration ratio on credit report.
|
| 08/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I applied for an Apple Credit Card through Goldman Sachs and my application was denied because of my credit and things on my consumer report. I can not be denied because I am the one who is extending credit to them, not them extending credit to me, especially since I make more than enough money to get any credit card I want. Per to 42 USC 408 asking for my social security number on any credit transaction is unlawful because there is no lawful money, and thats a crime. Also, per 15 USC 1602 ( g ), me, the consumer, is the creditor. I feel like I have been discriminated against by this companys actions for applying for this credit card. It is against federal law to be discriminated against for a consumer credit transaction per 15 USC 1691 ( scope of prohibition ). As a federally protected consumer, my rights have been violated and if this matter is not fixed, I will pursue actions for monetary damages for having my rights violated.
|
| 05/22/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Marcus by Goldman Sachs Savings Account XX/XX/2023 withdrew XXXX to my XXXX checking account XX/XX/2023 transfered XXXX from my XXXX to my Marcus Savings Account XX/XX/2023 transferred XXXX to my XXXX Checking account - money was put on hold after verifying through their electronic connect system to XXXX XXXX.
XX/XX/2023 I call Marcus by Goldman Sachs to verify the XXXX Account. another XXXX is initiated to XXXX XXXX on top of the XXXX that was requested on XX/XX/2023 XX/XX/2023 Three calls to Marcus Goldman Sachs and they can not find the funds.
I'm missing XXXX in my XXXX XXXX Checking account as well as my Marcus Account.
Marcus has given me a 45 day turn around on the complaint. I am missing XXXX.
I removed all additional funds by wire to my bank account today because they are incompetent on finding my money.
Dispute # XXXX They would not upload any information to my account portal and would only do snail mail.
|
| 09/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
For the months of XXXX to XX/XX/2022, my payments in full for all current charges were made via XXXX XXXX online bill pay. The money left my account and XXXX XXXX says was successfully received by Marcus by Goldman Sachs. However, the payments were never applied to my account. Several wasted hours on the phone with uncooperative, uncaring, uninpowered, robot call center employees got me NOWHERE! They have been charging interest, late fees, and may be negatively reporting on me because of issues which are 100 % their mistakes. That they are unwilling and unable to resolve. Additionally, I was repeatedly told all calls were being recorded. I asked for copies of the call. No recordings have been received.
Furthermore, their paper statements AND Web site are the worst quality, with the least amount of features of any credit credit card company I have ever done business with.
Do NOT open any accounts with Marcus by Goldman Sachs.
|
| 05/16/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Marcus by Goldman Sachs had a special offer in early XXXX : " Get a { {$100.00} } Cash Bonus when you deposit { {$10000.00} } in new funds to a Marcus Online Savings Account. '' The requirement was to enroll in the promotion, deposit { {$10000.00} } in new funds within 10 days, and then maintain those funds plus the existing balance for 90 days after the 10-day funding period. I enrolled in the promotion on XX/XX/XXXX and received a confirmation email from Marcus. The promotion was correctly noted on my online banking account. I deposited { {$10000.00} } on XX/XX/XXXX to meet the terms of the promotion. The promotion dropped off my account due to an internal error on Marcuss part ( per their own admission ). I called and received a call back confirming they would be manually adding the XXXX bonus to my account on XX/XX/XXXX as I had met all the terms of the promotion on XX/XX/XXXX well its now XX/XX/XXXX and no bonus has posted
|
| 06/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
As of XX/XX/2022 I made a check payment for {$10.00}. I called Marcus by Goldman Sachs on XX/XX/2022 at XXXX. The phone call took XXXX and XXXX second.
I paid in full. But when I received my bill in the mail by Marcus by Goldman Sachs credit card they charged me interest for {$0.00} and now the statement balance is {$0.00}.
I called the Credit card company to dispute the charge. They said this is the policy, once you're late once we're going to charge you XXXX times a month. I told customer service Morgan at the credit card company that this is unacceptable. I paid in full and you should credit me the {$0.00} back to my account. So even though I paid in full they're going to charge me XXXX months. This is a rip off! There scamming me, they're trying to ruin my credit. I need your assistance to make me whole in every way due to the violation and trying to ruin my credit which I paid in full and I should not be charged at all.
|
| 08/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Applied for the XXXX XXXX issued by Goldman Sachs. Filled out the application through the XXXX app on my XXXX XXXX device. Was denied after the application was submitted. The reason I was denied was stated " recently missed payment '' reported by XXXX. I contacted XXXX and they gave me my official credit report that showed no recently missed payments. I contacted Goldman Sachs customer service about this and was told there was nothing they could do. I asked to be escalated up the chain and after three days of phone calls got a phone call on Saturday XX/XX/2019 from a supervisor at Goldman Sachs stating that there's nothing they can do to a traditional manual review as this system is completely automated for approvals and ratings. She also stated that even if it is an error with Goldman Sachs approval system that there is nothing anyone can do. I believe this is credit discrimination based on denied credit even though I qualify.
|
| 05/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I opened an Apple Card account with Goldman Sachs Bank in XX/XX/XXXX, but I havent been able to use the card even once, as some sort of block seems to have caused my every attempt at making a transaction to be declined. I have attempted purchases in all three ways that this card can be used : 1 ) with the physical card ; 2 ) through the XXXX app on XXXX devices ; 3 ) using the sixteen-digit card number and CVC to make an online purchase. Nothing has worked. I have contacted Apple Card repeatedly about this problem, and in each instance Ive been told that the account appears to be in order and should work normally. Periodically I attempt a purchase to see if anything has changed.
Im guessing that this block may have something to do with an issue I encountered previously with Apple Card, which involved my account being erroneously closed. That issue was dealt with by Goldman in response to a CFPB complaint filed in XX/XX/XXXX.
|
| 08/09/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Subject : Fraudulent transactions conducted in my absence amounting to over {$120000.00} from my Savings account at Marcus by Goldman Sachs.
Summary : I am on XXXX XXXX in the USA and was out of the country for a long duration due to my father 's accident and my personal serious illness due to XXXX. In my absence there were total 345 fraudulent transactions conducted due to bank 's negligence and the bank failed to lock my account or notify me. These transactions happened for over 8 months from XX/XX/XXXX till XX/XX/XXXX.
I have repeatedly contacted the bank to resolve the issue and refund the amount, but only a partial amount was refunded and the bank refused to acknowledge fraud stating that the transactions were legitimate.
My family is going through a tough time and my father is still in XXXX XXXX Such a huge amount is a big loss for me and my family.
I urge you to look into this matter and help me recover my funds.
|
| 08/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Several months ago I made a purchase using my Apple credit card from XXXX for 2 10tb hard drives. XXXX send 2 cheap hard drive cases instead of hard drives. I initiated a complaint and request for a refund from XXXX and when they were unresponsive, I placed the charge for {$110.00} in dispute with Goldman Sachs the issuer of the Apple credit card.
1 week ago they sent a request for more information via email and provided a 7 day deadline to send more information. I had not seen the email request and today they denied the chargeback for the fraudulent charge.
XXXX has the known reputation for sending inferior merchandise and in this case, they didnt even bother to send merely inferior merchandise, they sent some entirely different than the described product. This is the situation that anyone would expect the credit card company to protect their customer.
I have included pictures of the listed item vs. what I was sent.
|
| 12/26/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
Dear CFPB, I have one CD matured on XX/XX/XXXX at XXXX by Goldman Sachs. On XX/XX/XXXX, I had contacted this bank to give my order " Do Not Renew '', but this bank would n't take my order, saying just call on XXXX, so I did call today XX/XX/XXXX.
This bank told me today, it would take 1~2 business days to close the CD Account and deposit it to my Savings Account. I had so many different bank accounts over the years, this is news to me. Goldman Sachs bank tries to drag this on, so that 10 day grace period is over, knowing there were weekend and holiday right after 23rd.
If it drags on few more days, my CD will be renewed automatically against my will.
This bank changed its name recently, so that they are separated from Goldman Sachs, just in case they are being sued. This bank is so out of control that I told them before, I will be closing my account as soon as CDs are matured. Even closing account is not easy anymore.
|
| 05/12/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
My wife and I applied to open a joint online savings account at GS Bank on XXXX XXXX. After 3 days of not hearing from them, I called them to check status of the account opening. Representative indicated they were declining to open an account because they could not verify my wife 's identity. GS Bank did not explain why they were unable to verify the identity of my wife of over 10 years, despite us both having many other joint accounts and credit cards with other banks over the years. Representative said a letter would be forthcoming from GS Bank explaining reason for declination, however, no such letter has arrived. Having supplied GS Bank with all of our personal information in order to apply, I find it unconscionable that they can refuse to open the account, not explain why, and yet continue to keep all of our information on file. Representative indicated they would keep the information on file as a declined application.
|
| 08/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Goldman Sachs ( apple credit card ) incorrectly filed on my credit report. When I called them about my alleged late payments and charge off, they said I " owed '' them the XXXX figure. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to Goldman Sachs which means it is now income earned for the company.
I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case.
I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report.
Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
|
| 04/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
The merchant never provided any valid information regarding the dispute, and the credit card company, Apple, continues to rule in their favor.
Dispute case number : XXXX Transaction date : XX/XX/2020 Merchant name : XXXX XXXX Disputed amount : {$3300.00} Temporary credit : {$3300.00} I lost the dispute, but Apple reps keep calling me to reopen the dispute. I gave them all the information needed to rule in my favor, letting them know the merchant never provided me with any contract or terms and conditions stating that the service was nonrefundable.
The service I was provided was not as described and the merchant was unprofessional, which is why I opened a dispute.
Apple keeps harassing me every so often with different reps calling me to reopen the dispute.
Most recently, the dispute was opened again and now they have completely blocked my credit limit and won't even let me pay.
This is extremely disgusting service.
|
| 10/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
I would like to send money to Goldman Sachs ( Apple Card ) to pay off my balance. However, they have hidden my card number from me since I closed the account. Therefore, I can't tell my bank my account number so they can send money and pay off the balance. No one at Goldman Sachs told me when I closed the account that the number would be hidden from me. They also said I should " write my email address on a check '' and then send it. They said they could apply it to my account that way. However, this obviously doesn't work when requesting a bank send money directly to a card.
I was also told " Apple Card doesn't accept balance transfers '' -- so basically they don't accept money from XXXX XXXX XXXXXXXX, where my card is, or XXXX, which is where my actual bank account is that has a credit card also connected to it.
I can't add my account number to this complaint since they no longer allow me to have an account number.
|
| 12/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
This is regards to my Apple Card ( Mastercard ) Went to a website that looked like usps, it was a fake site and charged my card on XX/XX/21 for XXXX for a change of address ( this is suppose to be only XXXX ) I disputed it over 6 times and each time I was required to provide them with a receipt to prove it was fraud, I never received any email or receipt because it was a scam. I never received any information from the fraud site so everytime it was recharged and not resolved in my favor. I called and spoke to a manger and still was told nothing could be done, I explained that a fake/fraudulent website is not going to give you a receipt or proof they it was fraud. I closed my Apple Card after a year of disputing this charge and they closed the account a left the following message on my credit report. ( Dispute resolved ; consumer disagrees, account closed by consumer ) which is odd because the dispute was never resolved.
|
| 12/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
A purchase was made for an item using my Apple CC on XX/XX/22 totaling {$750.00}. The online item wasn't available due to being out of stock and I was notified the following day. I reached out to Goldman Sachs which administers the Apple CC accounts to let them know. I asked if they could assist with the charge so I wouldn't be charged for the item at payment time when my bill was available to allow payment on the remaining balance. They said that a dispute was the only way they could assist and That I would get a provisional credit until the issue was resolved. The dispute would have to be in my favor or the amount would to charged back to my account. The vendor provided a refund the next day. Which should have zeroed out the amount but a few days later I received an email stating that the dispute was not in my favor and they charged my CC for the amount of {$750.00} and I owed that amount for an item I never received.
|
| 07/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Around XX/XX/2020, my wife and I looked into a debt consolidation loan with Marcus by Goldman Sachs. The website specifically said that checking into the available interest rates would not affect our credit score. In fact, we never even completed the information form to get the interest rate. Yet, I later noticed an unauthorized credit inquiry to XXXX from this company. After trying to call Marcus by Goldman Sachs on two different occasions to have them delete the unauthorized inquiry ( on XX/XX/2020 XXXX, I was not able to get through. In fact, I couldnt even leave a voicemail as their phone system, while I was on hold, hung up on me two times in a row. Then, I tried to call XXXX to have them delete the inquiry but their phone system only allows one to obtain an annual credit report. Though I tried to access a real person, their system would not allow it. Please help me have this unauthorized inquiry deleted. Thanks.
|
| 03/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American |
|
My XXXX card ( managed by XXXX XXXX ) was sold to Marcus / Goldman Sachs some time last year.
Transition of accounts began, approximately XXXX Since that time I have been unable to make purchases with the card.
I have done the required account setup with Marcus.com/gm I have been on hold for more than 2 hours several days in row with their customer 'service ' line. ( so long each time that my phone battery died ) I have reported these issues to Marcus via direct message / XXXX- with the only response being an automated response. I observe other customers who have complained on XXXX receive nearly identical responses.
Their website indicates chat is available - not so.
There is no link provided to initiate cancellation of the card.
There is no email address available.
Marcus is holding we card holders hostage and responsible for any charge that may appear on our credit lines with no recourse to address the issues.
|
| 12/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I bought products off XXXXXXXX XXXX website on XX/XX/XXXX for {$120.00}. I returned this purchase on XX/XX/XXXX and was supposedly credited {$120.00} on XX/XX/XXXX. However, I was never credited anything because my bank account was still charged {$260.00} when it should have been charged {$260.00} - {$120.00} = {$140.00}. I called them the first week of XXXX -- sorry, I forgot the date. The customer agent claimed he created a ticket of the issue. By the end of XXXX, the money had not been returned. I called them back on XX/XX/XXXX, and funnily enough on their end everything looks good because the account was " credited '' with the return, but it wasn't as they still charged me for that product. The agent again claimed to have created a ticket about my claim. It's now XX/XX/XXXX, and I have not heard back AT ALL. Not an email, not a call. I am done dealing with their ineptitude and non-action, and I want my money back.
|
| 05/20/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My Marcus.com ( GOLDMAN SACHS BANK USA ) account was locked after I initialized an outgoing funds transfer on XXXX XX/XX/2020 to another institution. I realized that the account was locked on XXXX XX/XX/2020 after trying to login online and immediately called the customer service line to in an attempt to have the issue resolved. After over 90mins on the phone, and being transferred to a " specialist '', the matter was unable to be resolved. I was told that I would be receiving a call back in 24 hours. This never happened. I subsequently called back on the XXXX and XXXX of XXXX only to be told both times by a specialist that the account was under review and it would take 24-48 hours to unlock the account. To date, the account is still locked. I am not able to access my funds and the funds have not been received at the other intuition that I requested the funds be transferred to. I have also never received a call back.
|
| 10/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Servicemember |
|
On or about XX/XX/2018 I applied online to open a Goldman Sachs XXXX account, and while online, received a " We've declined your application. We apologize for the inconvenience. At the moment, we can't disclose why your application failed. " I called them several times and each time they advised that I should reapply online. I did so with the same results of being denied. I then downloaded copies of my free credit reports and verified all of my information as correct.
I called them several times ( the most recent being XX/XX/2018, speaking with " XXXX '' and a credit specialist named " XXXX '' ) and was told each time that Goldman Sachs/XXXX uses a third party vendor to verify my information. However, they refuse to provide me with the contact info for the the third party vendor or the credit report they allegedly used, and I therefore have no way of reviewing, and if necessary, correcting any incorrect information.
|
| 11/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or APPLE CARD/GS BANK USA XXXX a customer service representative. Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.
|
| 12/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
I applied and was approved fro the GM XXXX Credit Card. I set up my account online and received an error message that says " there is a problem with your virtual Card and we need to speak with you. Please call XXXX. '' I have called multiple times and every time they have said there is a technical issue and they will escalate the issue and someone will call me within 48 hours. After a few days I call back and am told the same thing. This has been going on for weeks.
I last called on XX/XX/2022 at XXXX XXXX XXXXXXXX. The rep texted a six digit code to my phone from short-code : XXXX and had me read back the code, which I did. He said that confirms it is a technical issue at their end. I got the code and therefore my phone works as it should.
I realize that Goldman Sachs GM Card has a reputation for horrid customer service, but how do they expect to stay in business if they can't fix a technical issue at their end?
|
| 05/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
XX/XX/2022 XXXX XXXX, I received a message from Goldman Sachs for the Apple card stating I was denied due to them being unable to verify my identity. After talking to a customer service representative they still couldn't help me with verifying My identity. After trying countless of times. This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The XXXX XXXX added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.
|
| 09/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Servicemember |
|
I purchased an XXXX form Apple.com in XXXX. I signed up for the Apple Credit Card ( Goldman Sachs ) It was supposed to be interest free for 24 months. Goldman Sachs started charging me interest in XXXX ( the first full month I had the card ). I contacted them and they told me it was not set up as interest free. The representative said they would refer it to manager to see if they could switch it over to interest free. I waited a week and never heard anything. I contacted Goldman Sachs again through text. A supervisor asked me to give them a moment to review my account. That was two days ago. I have stilled not heard anything. I contacted Apple and I was told it was supposed to be interest free from the beginning. They transferred me to Goldman Sachs and there is a two hour wait time. They have already stolen {$30.00} from me and now I supposed to wait two hours to talk to someone that refuses to help me. I need help.
|
| 11/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or GOLDMAN SACHS AND CO XXXX a customer service representative. Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.
|
| 10/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX XXXX credit card ( last XXXX of apple card XXXX ), charge was made on my apple credit card on XXXX, by a company named.kpsbventureslic for the amount of {$1400.00}. I disputed this transaction on XXXX XXXX and a provisional adjustment was made.On XXXX XXXX apple reversed it back on XXXX XXXX, claiming they investigated and favored the merchant. They asked for documentation proof and that I find puzzling. How do you prove a transaction was authorized when you don't even recognize the company. I have attempted to contact the merchant several times but I never got a response back.There are no signatures or contract proving this transaction was authorized by me PERIOD. The burden of proof was supposed to be on them. This a fraudulent charge and I need it reversed promptly.I have patiently waited 3 months to resolve the issue.I know my consumer rights and I want this unauthorized charge returned back to my account.
|
| 05/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, we purchased an air ticket for {$640.00} from a travel agency XXXX using Apple Card issued by Goldman Sachs. The flight was canceled but the agency refused to refund the ticket. Following Goldman Sachs 's directions, I disputed the charge with Goldman Sachs several times ( dispute claims # XXXX, XXXX ), reasserted some of the claims, and provided emails from XXXX as evidence of the flight cancellation.
All the disputes were denied without indications of the reason except for stating that I had the right to see the information that Goldman Sachs gathered to make the decision. I requested this information 3 times on the phone on XX/XX/XXXX, and XXXX, XXXX ( this time with the agent under the name of XXXX ) but have never received anything.
I do not understand why I am supposed to pay for the service that was not delivered and why Goldman Sachs failed to supply me with the information they gathered.
|
| 05/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
This complaint is against Apple Savings account managed by Goldman Sachs. I initiated a withdrawal from my Apple Savings account to my checking account on XX/XX/. The confirmation page displayed in the app clearly stated that the transfer would complete within 1-3 business days. On XX/XX/, after waiting for 3 business days, the transfer was still in pending. I called Apple Savings and was told that a transfer would take 5 business days. I was advised to call back on XX/XX/XXXX I called back on XX/XX/XXXX and again on XX/XX/XXXX because the transfer still showed pending. I was then told that the transfer was under review. When I asked how long the review would take, I was told that there is no timeline. The customer service person also stated that it could take up to one year or more. I was left speechless. I would like Apple Savings account managed by Goldman Sachs resolve this issue for me as soon as possible.
|
| 04/12/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
I've had a Marcus Goldman Sachs online savings account since last year and have had no issues transferring funds to and from this account until about XXXX weeks ago when Marcus locked my account after I submitted a funds transfer from my Marcus account to an external account. Marcus has never called, emailed or snail-mailed me regarding the reason for the failed funds transfer issue nor why they locked my account. I've called and wasted hours of my time talking to the Marcus Customer Support and Identity Verification Teams over the past XXXX weeks trying to understand the issue and getting it resolved with no success. All they do is spend hours verifying my identity, unlock my account and tell me to resubmit the funds transfer again. When I resubmit the funds transfer, it fails and my account gets locked. This has been going on for XXXX weeks now.
I'M XXXX YEARS OLD AND NEED MY MONEY TO SURVIVE- PLEASE HELP ME.
|
| 09/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I have contacted Apple Card Support, XXXX, XXXX, and XXXX many times to get this situation solved. Every time I apply for the Apple Card credit card, it declines me because of trades that I do not have open, since I do not have any trades. I have confirmed with all three credit bureaus ( XXXX, XXXX, and XXXX ) that it does not show anything about trades on any of my credit reports. Apple Card Support is also not very helpful, and does not know why it keeps declining me for the same reasons. Apple Card Support advised me to call XXXX, XXXX, and XXXX, which I have already done, and still am unable to get approved. I have attached the letter that Apple Card Support sent me via email about me being declined. I have also been working to try to get this Apple Card credit card for over a year, and I still can not get approved for the card, and it is just so frustrating. I could use all the help that I can get. Thank you!
|
| 11/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2022, my GM Rewards Credit Card by Marcus at Goldman Sachs was charged in the amount of {$470.00} by a merchant that I did not recognize and was unaware of - it was an unauthorized charge ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ). Upon realizing this, I raised the issue to Goldman Sachs and they temporarily refunded the disputed amount while they investigated. Today, XXXX XXXX, 2022, I received notification from Goldman Sachs that my dispute claim was denied because the " merchant was able to provide sufficient evidence. '' Goldman did not explain or show me the evidence that was provided to them. I'm a consumer and am simply trying to dispute a charge that is fraudulent and I don't recognize. Yet, I'm being penalized by Goldman for this charge and am now being charged for {$470.00}. My account ends in XXXX and the dispute ID is XXXX.
|
| 12/11/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Older American |
|
Received two emails in XXXX from Marcus ( affiliate of Goldman ) which stated they transferred servicing of two loans I had with Marcus to XXXX and XXXX XXXX. Emails advised that there would be a new email with new account information from XXXX and XXXX XXXX - nothing received either by XX/XX/XXXX ( as originally stated in first email ) or by XX/XX/XXXX ( stated in second email ). I no longer have access to see what my balances are or a method of making payments. Representative of Marcus stated in phone call that automatic debit would continue ( WITHOUT MY AUTHORIZATION OR MY ABILITY TO CHECK OR MODIFY ANYTHING ). Information publicly available is that XXXX and XXXX website is unsecure and does not even have a security certificate with XXXX. I have no way to see what is going on and calls to Marcus are automatically directed to XXXX and XXXX XXXX and I have been cut off from automatic holds three times in a row.
|
| 12/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Received an invitation from APPLE for the Goldman Sacks/Apple credit card and I unlocked my credit fill out the application which was denied. When I tried to ask why was denied it seemed that APPLE had no idea and was told that Goldman Sacks denied it. They told me that will receive a detailed explanation, but instead I received a general not applicable document in a pdf form with a generic application troubleshoot. ( ATTACHED ).
I followed all the steps and instructions to the letter.
Tried to reach Goldman Sacks but was not able to do it, and although I was told that I will receive a detailed explanation probably in mail by APPLE support nothing came!
As you heard by now, Goldman Sacks is using illegal techniques to discriminate and other people have complaint about it publicly too.
I need a detailed explanation from Goldman Sacks, about the Denial of my application for the APPLE card. I am entitled to it.
|
| 04/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Older American |
|
This credit card was opened with an email address that was not verified or in use for over 10 years.
Since this lender does not provide statements, only emails concerning charge, they were sending notices to an old email address not in use.
There was a very nominal amount charged to the account automatically.
That I did not authorize or even know about.
This is what caused a perfect credit score to be tarnished.
I have tried many times to explain this to the creditor only to be ignored.
They can as well as you can see that my score was perfect at the time this account was opened.
Do you think for a second, I would not pay a {$35.00} charge and run a risk of harming my perfect credit.
Can you please help me make this clear to the creditor? And please ask them to remove the negative rating to my credit.
Sincerely and with complete honesty ... ... XXXX XXXX XXXX PS. I look forward to your response.
|
| 11/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Today, XX/XX/20, I applied for an Apple Card by Goldman Sachs Bank USA. I was denied and the only reason stated was " You have recently been past due. '' I immediately pulled a XX/XX/XXXX credit report since that is the report that was used in determining my eligibility. My XX/XX/XXXX report doesn't show any late payments. I even went back 2 years. I also called XX/XX/XXXX to ask if they saw anything different. They confirmed that they also did not see any late payments reported. So, I called Apple Card by Goldman Sachs Bank XXXX XXXX XXXX and asked this issue to be looked into further. The Apple Card manager from the XXXX XXXX XXXX XXXX of the President department that I spoke to, XXXX, said this issue couldn't get escalated nor investigated. I asked him what exactly " recently '' meant in their terms and he said he wasn't allowed to provide any specifics on the definition of what " recently past due '' meant.
|
| 08/04/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
I text XXXX Customer Support ( Goldman Sachs ) about an authorized charge on my account back in XX/XX/2020. They suspended the charge and ask the vendor XXXX XXXX XXXX for information about the charge in the amount of {$260.00}. No information was ever provided to me yet XXXX reversed the credit and charged my account again. I asked to have the account closed due to their poor service. I paid off the balance and asked XXXX to refund the money to me for this fraudulent charge. While they keep reciting you'll never be held responsible for paying for a charge you did not make they will not permanently credit me or show me signed proof that I ordered some ridiculous XXXX hear whatever that is! I tried recently and was transferred to several Goldman Sachs reps who I could not hear on the phone and requested a call back from a manager as well as a refund. To date I've received nothing from XXXX. Please help!!!!!
|
| 08/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
My due by XX/XX/XXXX statement on acct XXXX came from Goldman Sachs. It was paid in full {$34.00} by check XXXX XXXX dated XX/XX/XXXX and posted at the post office. This action paid my balance in full, the cancelled check shows that Goldman cashed the check the XXXX of XXXX. The XXXX statement showed a late fee of {$40.00} plus interest. This was incorrect. The debt was paid on time. The statement was received the XXXX XXXX of XXXX and expediently mailed the XXXX week of XXXX. That they cashed the payment the XXXX is not my problem. I contested the error XX/XX/XXXX. I received no follow up to the contested amount.
Since that time, I've continued to receive additional statements with additional late fees and interest. The balance due claimed by Goldman Sachs now is {$190.00}. This is made up of erroneous compounded late charges and interest. These charges are usurious and are damaging to my credit rating.
|
| 05/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
I saw that my credit score had gone down. I got a copy of my credit report and found an account opened with {$7300.00} in charges. The account was with GS Bank USA XXXX XXXX. I filed a complaint with XXXX and after their short review they said Goldmansac said that they followed their protocol and that was it. I tried to call the bank 's fraud division at ( XXXX ) XXXX where no one is available and their voice mailbox is full. I tried the other number I have for the bank at ( XXXX ) XXXX and the voice recording asks to enter who you want to talk to, and then goes dead. I did not open this account, have never received a bill or any kind of statement. Looking at the XXXX credit report, it looks like whoever opened this account made two {$74.00} payments and failed to make the XXXX payment. This is very not much fun. I hope that you can help. I only have the last for numbers for the credit card which are XXXX.
|
| 02/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
Servicemember |
|
Goldman Sachs ( Apple Card ) Limit : {$2500.00} XXXX suffered several lost during the COVID Pandemic to include being furloughed from my job at XXXX XXXX. I submitted calls and letters to the company in regards to my monthly payments. They enrolled me in programs that suspended monthly payments for several months. The forbearances didn't cover all the months I was without pay from work as we were furloughed without pay and unemployment benefits. I could afford to XXXX every payment every month so I missed a couple here and there. Currently, I am XXXX XXXX XXXX on short term XXXX and have been since XX/XX/XXXX. I have asked for assistance in repayment options in order to not have negative effects on my credit but they have refused and consistently reported late payments.
Months Reported Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Months Reported Late with XXXX Dollar Balance Due : XX/XX/XXXX and XX/XX/XXXX
|
| 03/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
This is the XXXX time I have submitted a complaint about applying for the Apple Credit Card, GM Rewards, and GM Business Rewards. Every time I apply I get a message to upload my driver 's license, I have been doing it. After several days I got the same message : Unable to verify identification information. I have been calling and calling and they don't tell me what this message is about. As I understand is that they can't verify my driver 's license. I keep uploading the same picture because is my driver 's license. I don't know what else to do and they are not giving me any more information. In the last XXXX complaints, they have responded the same, that they found some red flags but they don't tell me what, they haven't called me or anything. I need an explanation as to why this is happening, I will also upload a picture of my driver 's license. I will also include a picture that they are approving me.
|
| 08/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
For a year now, I have not had transactions consistently post on my credit card account and can't view or track purchases in real time. I have reached out to Apple Card 's support regarding this, with each attempt eventually ending in them quietly ceasing followup to the issue. This response is unacceptable, as being unable to view some transactions in real time both makes it difficult to track spending and also to identify a potentially fraudulent transaction.
I previously opened complaint ID XXXX regarding this issue after losing count of the attempts to get Apple Card to take this seriously, only for them to call once or twice and then request that the complaint be closed with a promise to follow up with me to resolve the issue. It was inappropriate to close the request because the issue was not resolved, and Apple Card support has made no attempt to reach out and resolve the issue since closing it.
|
| 01/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have made 2 payments to Goldman Sachs XXXX on XX/XX/XXXX for {$1200.00} XXXX on XX/XX/XXXX for {$1500.00} Credit limit is {$2700.00} And {$0.00} available for any charge up to this very date Ive called twice Their explanation was XXXX waited 5 days to reject a payment of {$1500.00} on XXXX? Or XX/XX/XXXX. Unsure The default auto-payment feature is defective In order to auto pay a minimum or specified amount under this feature you must manually tweak to preferred or specified amount Before end of month Im trying to see how to correct but this complaint is based on the electronic payment Goldman Sachs accepts to claim they are awaiting clearance from payment bank and the funds have cleared the day of or day after payment This appears as a fraudulent practice and fiduciary irresponsibility and incompetence.
GS is using money already paid to my Credit card account while CLAIMING theyre awaiting payment.
|
| 04/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
|
I got a Loan from Marcus Goldman Sachs. The agreement was I would receive a statement every month and mail in my payment with a check. The payment is due on the XX/XX/XXXX of every month. It is now the XX/XX/XXXX and still have not received a statement in the mail.I called them and brought thin to their attention I have an Option how to pay this bill. They are trying to take one of the three options I have away from me.I still want the option to pay by mail. Do not want to get charged a late fee or interest because they did not receive the payment by the XX/XX/XXXX day of the month because I did not receve my statement on time. They told me they mailed out the statement on the XX/XX/XXXX.
They also said I can pay by phone or online! It seams to me they are deliberately trying to get me to pay by phone or online so to save on paper work and collect a little bit more interest if they get my payment late.
|
| 01/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I received a Goldman Sachs XXXX card that I never applied for. My mother also received a card at the same time she received my card. She has filed her own reports.
On XX/XX/2022 {$2000.00} was digitally charged to a card the thief did not have in their possession. The physical card was mailed to my parents address. My mother was a victim of identity theft on that day. She was a victim of the XXXX breach. I do not know how the thief received my information. I did not apply for this card or give anyone else permission to do so. I went to my local police department in XXXX but they did not file a report. I contacted the company that issued the card. They said all charges were made in XXXX using the digital form of the card. The card is in my mother 's possession. Goldman Sachs stated that the account would be closed and I would not be responsible for the charges. I have filed an XXXX report with the FBI.
|
| 10/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
XXXX XXXX. Goldman Sachs Bank will not accept and is unable to process applications with a Real ID Star. I have made dozens off attempts and have received zero acceptance. Apple does not have a work around no paper nor do they have the ability for human intervention to process the application. WWW.DHS.GOV the department of homeland security requires everyone who travels by air by XX/XX/2020 will be required to have one of these ID cards. I am an airline pilot so I have upgraded to the new ID. Yet XXXX and Goldman Sachs are discriminatory to those who are in compliance. This is also a strike against American Ideals through liberal politics. The foundation of a real ID is that it is secure and your citizenship is verified. This company is creating consumer demand through a product it credit card then limiting it to only those who have delayed compliance with a Department of Homeland Security Mandate.
|
| 01/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
In XXXX of 2022 I purchased a spa from XXXX XXXX in XXXX, CA. The salesperson notified me that their partner Greensky, offered an interest free loan as long as the loan was paid off in 12 months. I signed up for a loan from Greensky and purchased the XXXX XXXX. From XX/XX/2022 to XX/XX/2022 I made the minimum payment on the loan and in XXXX of 2022 I paid off the loan in full. However, I noticed that Greensky was charging me approximately {$86.00} in interest each month during the time the loan was active. This accumulated to {$430.00} in interest fees for a supposedly " interest free '' loan. I contacted both Greensky and XXXX XXXX, each of whom claims the other party is responsible for the supposed miscommunication that the loan was not interest free. I consider this an incredibly deceptive practice, as their sales persons were lying directly to me, with Greensky being complicit in this practice.
|
| 09/04/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Goldman Sachs is reporting deposits that I make into my Goldman Sachs Marcus money market account as " Collection '' withdrawals from my XXXX XXXX XXXX checking account : please see supporting documentation of at least 5 examples of these " Goldman Sachs BA Collection '' withdrawals that have posted on my recent XXXX XXXX Bank checking account statements.
These incorrect postings are causing XXXX XXXX 's mortgage division to inquire about these " collection '' activities, which they claim that I did not disclose to them. These multiple and compounding instances of inaccurate reporting by Goldman Sachs are jeopardizing my loan approval and damaging my credibility with XXXX XXXX and XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/2021, and XXXX XXXX XXXX confirmed that Goldman Sachs is the financial institution indicating each withdrawal from my XXXX XXXX XXXX as " collection '' activity.
|
| 06/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I was transferring all of my cash out of my Marcus Savings account on XXXX. I received a call from a representative from their fraud department asking me to validate transactions from over 2 months prior. I validated the transactions. They then said they needed to lock my account until they could validate that external accounts I transferred cash to over 3 months ago belonged to me ( despite me validating the transactions as legitimate ). I had already validated these bank accounts too through trial deposits.
My husband is currently experiencing a similar situations with Marcus -- it seems as though they retaliate against customers who are trying to move funds out of the bank - trying to validate a now closed bank account because I transferred cash to that account 3+ months ago and freezing my account as a result is ridiculous.
I am hopeful that you can assist with getting my account unfrozen.
|
| 02/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
l, the consumer and natural person, was denied credit by GOLDMAN SACHS BANK USA when I applied for an APPLECARD on XX/XX/2023. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 88 Stat. 1522 [ 15 usc 1691c ] and is pursuant to civil liability under 91 Stat. 881 [ 15 usc 1692k ]. I was discriminated against by GOLDMAN SACHS BANK USA due to the response I received. GOLDMAN SACHS BANK USA is in violation of 84 Stat. 1126 [ 15 usc 1642 ], 84 Stat. 1133 [ 15 usc1681m ] and 12 cfr 1002 because l, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of GOLDMAN SACHS BANK USA and is in violation of 84 Stat. 1126 [ 15 usc 1602 ( p ) ].
|
| 10/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/XXXX XXXX Charge {$19.00} Goldman Sach Credit card ( Apple Card ) I initiated Chargeback request on XX/XX/XXXX for poor quality food undercooked and generally the worst I had seen from XXXX. I received a provisional adjustment on XX/XX/XXXX for the amount however Over 2 months and 2 billing cycles later there is still no actually amount that has been credited back to me as a refund that is part of my available balance contacted Goldman Sachs apple card service multiple times the 2nd to last time they reassured me it would be credited back back in days but never was then when i tried to contact them two weeks later got transferred around 5 times until so eventually gave up as I should not have to go through these hoops to get a refund they obviously messed up on this one and continually lied to cover it up as the only other chargeback i did with apple was resolved within the cfbp time period.
|
| 01/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2022 I purchased an in app ( in game ) item from XXXX, for a game called XXXX. The item was fraudulently listed, and wrongfully represented. I made this dispute with and through Apple, they decided in my favor. The app then revoked my access to their content. Including but not limited to content, that I paid for. I tried to dispute this with my credit card company, but they passed me to Apple, and Apple said it was supposed to be resolved with the credit card company. It is a viscous cycle, and I need a resolution. The following dates, are dates that I made in app purchase for content, content they will no longer have access to, because of the initial dispute.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have made no clear way to contact them, and/or voice my issues nor a clear way to dispute a credit card transaction.
|
| 09/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On the morning of XX/XX/XXXX I received a notice only device that my Apple Card had been used to make a purchase at a XXXX in XXXX, FL in the amount of {$74.00}. Ive never been to this XXXX, I did not make the purchase. It is fraud. I immediately contacted the Apple Card support and reported the fraudulent charge. I had the physical card canceled and thought it was done. It is evident that the card had been skimmed and cloned as someone attempted to use it again at the same place the next day. There has been a rash of skimming at local gas stations here.
Yesterday, XX/XX/XXXX, I received notice from XXXX XXXXGoldman Sachs that I had lost a dispute over the XX/XX/XXXX charge. I tried to contact Apple Card support and tell them that I had not disputed the charge but rather reported a fraudulent charge. I was passed through three different representatives and then received no response from a fourth.
|
| 11/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
This is an issue I am having with Applecard ( Goldman Sachs ) : 1. I was approved and issued a card on XX/XX/2019 2. I made 3 purchases between XX/XX/19 and XX/XX/19 totaling {$130.00} 3. I was notified ( via the app ) that my account was restricted on XX/XX/19. No explanation. I was no longer allowed to make any purchases 4. I have contacted Apple/Goldman Sachs many times over the last week with no resolution. They have indicated my account is under review and someone will call me.
5. On Monday, I spoke with a customer service representative and was told I would get a call within 48 hours and I have not.
6. I contacted Apple/Goldman Sachs today to cancel the card since they have not resolved the issue. They told me not only can they not resolve my issue today, that I can not even cancel the card since it is under review.
It seems to me ridiculous that I can not use the card or cancel the card.
|
| 11/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2023, I purchased a comprehensive " move-out cleaning '' package for my apartment and paid for the purchase using my Apple Card. Shortly after the job was " finished '' I inspected the quality of the service, and more than XXXX of the apartment was NOT cleaned or even touched. Immediately I contacted the company ( XXXX XXXX ) about my dissatisfaction, but they refused to offer monetary compensation. Following this, I initiated a dispute with Apple Card/Goldman Sach 's whom did not perform a thorough investigation into the matter.
I have several photos of the unclean apartment and eye witnesses including the landlord of the complex which can testify about the condition of the apartment. Unfortunately, it looks like Goldman did not look at the facts objectively given there is an overwhelming amount of material suggesting the apartment was not in fact cleaned to a reasonable satisfaction.
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above.
Apple Card/GS BANK USA Account XXXX. XXXX, XXXX Below are the following US Code violations these entities have committed.
16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 09/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I was interested in applying for the new XXXX XXXX issued by Goldman Sachs Bank but it is restricted to just allowing XXXX XXXX or higher users to even apply. I would think that this general purpose card is using the requirement that applicant 's have not only a specific product brand but only the more recent versions is in fact a type of redlining. They do not seem to have a way for anyone interested to apply for credit ( maybe after getting the card a consumer would then want to purchase an XXXX XXXX. Application is also not supported by individuals that may have any number of other XXXX products except the XXXX.
If this was a store card only accepted at XXXX or only able to be used in the XXXX wallet as XXXX Pay then it might be different but they offer a physical card to use anywhere.
This just feels like a modern version of redlining as XXXX owners skew to a higher socio-economic level.
|
| 03/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I had 2 charge disputes in progress, 1 of which the company claims is/was a reversed charge when it wasnt. Also, I had dozens of fraudulent charges on my account that were declined by the company, but they refused to do anything about it for me other than change the card number.
With the above information said and done, the company had put a freeze on my account AFTER I had made a payment equaling XXXX of the balance last XXXX, the XXXX. I wasnt aware of it until several of the monthly recurring charges/payments I had designated to the card were all declined. I immediately contacted the company, but it took at least 3,4 hours to reach a real person. I explained the situation to them and the supervisor, but they REFUSED to lift said freeze despite the situation of my monthly recurring payments, as well as being a XXXX person on fixed income. I closed the account, I was that disgusted with them.
|
| 05/16/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I initiated a transfer from my Goldman Sachs online savings account to transfer to my external XXXX XXXX checking on XXXX at XXXX XXXX XXXX utilizing the XXXX XXXXGoldman Sachs app through the digital wallet on my XXXX. The app stated pending, and XXXX business days as typical to complete.
I called in on XX/XX/XXXX requesting status and was advised to read the terms and conditions that state 3-5 business days to complete a transfer. Then was advised that I should call back if transfer is not completed by the end of day XX/XX/XXXX. Called in on XX/XX/16 and was informed transfer was still pending and that a supervisor would review why the transfer was pending and it would be another 3-5 business days. I asked to review routing and checking account information which was confirmed as correct.
Still waiting on the funds transfer six business days ( XXXX and counting ) after my initial request.
|
| 08/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
In XXXX, I had a minimum payment due around {$68.00}. When I tried to pay using LTE or 5G, it would not let me. For the record, I have never been able to pay my card on the Apple XXXX app using data, it only allows me to pay using Wifi. This is normally fine, but in this month I was RVing from national park to national park and there was no WiFi at all. The only access I had to internet was via LTE and 5G cellular service. I called to alert them and to try and pay, but my phone calls were not answered. They never notified me that I would not be able to pay my bill over anything other than Wifi. I would like for these late payment marks to be removed from my credit report due to this unfair situation with Apple Card. I now can not get approved for a car loan because of the major hit this had on my credit score, and my current car is having lots of issues, so I'm in a very tough spot right now.
|
| 09/23/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
We had 3 savings/investment account that were subject to fraud. On XX/XX/XXXX and XX/XX/2023, someone withdrew around {$5000.00} from our savings accounts, closed our CD account with around {$10000.00} attempting to withdraw those funds as well, and we had an additional investment account with {$5000.00} in bonds.
We reported the {$5000.00} funneled out of our account, and theyre currently investigating. The account was flagged for fraud before they were able to withdraw the {$10000.00} from the CD account however, the investment account with {$5000.00} the Bank ( Goldman Sachs ) says theyre not seeing it. We have attempted 5 different days, multiple calls, and they say theyre not seeing this account.
In addition to this, we reported that {$6400.00} was transferred from our main checking account to a Goldman Sachs account under my name however, theyre not seeing those {$6400.00} as well.
|
| 06/13/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Web |
|
|
In XX/XX/2023, when Goldman Sachs suffered a {$470.00} XXXX loss on Marcus Consumer Bank, Goldman Sachs began withdrawing funds from our savings account for " Tax Purposes ''. They said we'd get the funds back after filing our taxes. However, these monthly ( or quarterly or whatever time period they are determining on their own ) unapproved tax backup withdrawals are lowering the balance and, thereby, lowering the interest earned. This activity was done without our approval on a checking account we had held for years without suffering any loss, fees, or unapproved tax backup withdrawals. Furthermore, we've been told that the same type of tax backup withdrawal will be applied to our CDs when they mature. We are closing all of our accounts and CDs, taking all financial backup withholding penalty fee hits, so we can get away from this unapproved financial behavior levied on us by Goldman Sachs.
|
| 05/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
I requested an audit on my account, and I did not receive the results in the time promised of 10 days. I reviewed my account history and performed an audit myself, and I discovered I had been overcharged for interest and charges that I did not make. I called the company, and the customer service is poor, and there is a huge communication gap, which is the problem. I opened previous complaints, and the matter has not been resolved. I tried to close my account, and they still want to bill me.
As I conducted my audit, I had a debit balance of {$510.00} for the year ended XXXX ; a credit balance of {$570.00} for the year ended XXXX, and a debit balance of {$380.00} as of XX/XX/XXXX. I have an installment balance of {$590.00} as of XX/XX/XXXX ; the card balance and installment balance total {$920.00} of XX/XX/XXXX. I made a payment of {$900.00} on XX/XX/XXXX. Therefore my balance is {$19.00}.
|
| 02/23/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
PURSUANT TO 15 USC 168a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 168a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title15 chapter 41.
|
| 11/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
My title company sent a check to payoff my installment loan early on XX/XX/XXXX. Thought this was all taken care of until I was looking at my credit report online on XX/XX/XXXX and the report stated that I still owned {$170.00}.
I tried to get online to look at my account but I had been locked out and so I called and talked to a account representative, and an account manager who told me I could not get back on my account and I could not get a statement, I was just to pay the amount demanded. When I asked what was the number to their legal department they said they could not hear me any more and disconnected the phone.
I do remember going online at the end of XX/XX/XXXX and seeing something about my account being {$60.00} or {$70.00} left on it and I paid it. I should have a XXXX balance but I ca n't get a statement. The payoff amount they gave to my title company and they sent the check.
|
| 10/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
XXXX XXXX with XXXX XXXX XXXX did a balance transfer, consolidating our small credit card debt. Goldman Sachs/Apple Card received our check and cashed it but never applied it to our account. I reached out to Goldman Sachs/Apple Card and said they would investigate ; they came back and said they couldnt find the payment and that they were sorry, but nothing more we could do. XXXX then reached out to Goldman Sachs/Apple and sent them the canceled check showing where they cashed our check and applied it to someone elses account, and they are still refuse to admit their error and fix it. XXXX and I have tried to reconcile with them they deny they ever got the payment. XXXX sent them another letter on my behalf trying to reconcile this, and theyve yet to respond, and that was a month ago, we have canceled checks showing they cashed it, and I have the statement we used to send them the payment.
|
| 07/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased a item from XXXX XXXX on XX/XX/2020 at XXXX XXXX. Total amount : {$270.00}.
XXXX XXXX website shows delivered on XXXX XXXX. Since I never received this item, I contact merchant and XXXX immediately trying to find my package. The merchant suggest me ask bank to dispute it. So I contact a specialist at Goldman Sachs to help me get refund. After that, Bank says merchants provided detail that the item was left at the door, so they closed this case. I contact one merchants manager, she said she wants refund me but she cant. She must use the same way and card to refund. So I talk to bank again hope they can reopen this case so merchant can refund me. But they keep saying they can do nothing. I also provide them the managers cellphone number so they can call her. They just dont want help me to get refund. I want my money back and I will never use Apple Card ( Goldman Sachs ) again.
|
| 10/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/, there were multiple unrecognized transactions going through my Apple credit card. I immediately contact the bank customer care and report this problem and disputed these transactions. However, almost the 3 transactions that I disputed, there was one that dose not get approved. The amount of this transaction is XXXX I disputed it again and again but the result keep coming back denied. The company send me a documentation regarding the transaction that " prove '' that I make the transaction. However, the document they sent me clearly demonstrate that the billing email, the billing name, the phone number, all did not belong to me to my family member. There should be no way they should approve this transaction and further declined my dispute request while I did not authorize or issue this transaction. I just now disputed the same transaction the 4th time, and issuing this complain.
|
| 05/12/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
After transferring {$80000.00} to Apple Savings XXXX XXXX, by XXXX XXXX ), I decided to move the funds back to my XXXX XXXX XXXX account. The transfer was made on XX/XX/23 and was supposed to take 3 business days to clear. On XX/XX/23 the transaction has still not cleared. XXXX XXXX XXXX hasnt seen any attempt to transfer the funds. Apple Savings still shows the transfer as in progress. The funds no longer show up in my balance. It is like {$80.00} disappeared into a void. I have spent an hour on the phone with Apple Savings specialists at XXXX. They were extremely unhelpful and even tried to shift the problem to XXXX XXXX XXXX. I was supposed to receive a follow up call on XXXX with additional help and nobody called. Furthermore, I would like to note that I received zero communications or alerts about the status of my transfer. Given the amount of funds, this feels very irresponsible.
|
| 05/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2021 I received a notification on my phone from my Apple Credit Card XXXX Goldman & Sachs ) that a purchase for {$40.00} was completed. I found that very strange because 1, I rarely use that card, and 2, I was in my patrol car and on my way to an off duty job so there was no way I could of made that purchase. I immediately called to report the obvious Fraudulent purchase and file a dispute. Well a little over a few weeks later, I received an email from Apple Support stating that after their so called Investigation, they concluded that that the purchase was accurate and legitimate. After another dispute and similar response, I obtained legal counsel. We have sent two letters but have not received any responses. I was instructed by my attorney to file these complaints before we move forward with a lawsuit. That way we show we have done everything to resolve this matter on our end.
|
| 08/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Older American, Servicemember |
|
My wife and I refinanced our auto with XXXX XXXX XXXX in XX/XX/2022. The check was sent out and endorsed by Goldman Sachs, the lien holder of the loan, and deposited into XXXX XXXX, in XXXX XXXX, XXXX. The amount was {$23000.00}. However the loan was not paid off! My wife has filed complaints with the XXXX and Attorney General. She has spoken to a complaint resolution specialist at XXXX who claimed that Goldman Sachs has found the money and that they will be contacting us. Nothing has happened with that. XXXX XXXX XXXX says that their lawyers are also working on it. XXXX has told us to continue paying Goldman Sachs until this is cleared up. We desperately need to know where this money has gone. I dont even have a good phone number to call Goldman Sachs and the specialist at XXXX that spoke to my wife has not returned any of her calls. The address of XXXX executive office is in New York.
|
| 10/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Once again, the CFPB closes my complaint without a response from me. Goldman Sachs has not addressed the simple, basic, fundamental issue at hand here : accreditation. The school has provided proof that I did their learning but has not provided proof that they are a legitimate institution. I can create a school tomorrow to teach people something too, does that make me accredited?
I AM NOT SATISFIED WITH MY PURCHASE. < -- - This is the reason for my dispute. Accept it and move on. Stop fighting over a measly {$500.00}.
The bank is also lying and stating that they attempted to contact me on XX/XX/23, XX/XX/23, and XX/XX/23. They did not. I have no phone calls or emails from them, they are clearly lying and trying to get themselves out of this situation with their lies. I assume if the CFPB isn't going to help me I need to escalate this legally against both Goldman Sachs AND the CFPB.
|
| 05/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
The worst decision was to purchase an XXXXXXXX XXXX XXXX from the online XXXX XXXX and offering my XXXX XXXX XXXX as a trade in. After I had Order Number : XXXX on tracking number XXXX cancelled, XXXX refused to refund my money of {$1100.00} back to my payment issuer even with the purchase and trade in in cancelled status. XXXX ( manager ) rep at XXXX XXXX refused to process the refund after acknowledging I never received the XXXXXXXX XXXX XXXX and a representative at XXXX signed for the returned phone on tracking XXXX. XXXX has had their XXXXXXXX XXXX XXXX in possession since XX/XX/2021 and has asked me to call in again on XX/XX/2021 further holding my money on merchandise Ive never seen nor received.
Thus refusing to refund me the money outside their 5 business day refund policy We received your return request.
Your return number is XXXX.
Order Number : XXXX Return Number : XXXX
|
| 01/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
Ive attempted, on multiple occasions ( most recently today XX/XX/22 ), to use Apple Pay to make large purchases online at merchants which accept Apple Pay on their websites. I regularly receive payment not completed errors when attempting to process large transactions online using Apple Pay. When reaching out to Apple/Goldman Sachs they typically recommend using a different payment method ( the actual card info ), however, if that method is used, the purchase no longer qualifies for the 2 % cash back and is only eligible for 1 %. I believe this is likely a systemic issue many Apple Card users are experiencing which prevents them from using the best form of payment on their largest transactions. This is an unfair business practice potentially affecting a significant number of consumers. Please do not hesitate to contact me if you have any comments or questions regarding this complaint.
|
| 05/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2021 I noticed a charge for {$820.00} on my Apple Card by a " merchant '' identified by XXXX XXXX ( XXXX ).
I had contacted Apple Card support and they initiated a dispute. It was resolved in the merchant 's favor on XX/XX/2021 because the merchant provided sufficient evidence that I made the purchase.
I would like to see this evidence. I have no records in email or via XXXX ( whom I also contacted and could not verify the purchase ).
The Apple Card support team and apparently the underlying financial systems appear to be inadequate at detecting and preventing fraud. This is one of many disputes ( all resolved in my favor ) I have had to address with Apple. Their explanation is that there are glitches. I believe it is time for a full audit and investigation of both Apple and Goldman Sachs. It is readily apparent neither company is equipped to deal with consumer credit.
|
| 08/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I completed payment on my loan with Green Sky and my bank mistakenly sent and extra payment of {$370.00}. The company didnt issue a check when they received the overpayment and when I saw it on a statement 2 weeks later and called I was told I have to wait for 30 more days to get my refund. That is 6 weeks!
The company holds my finds hostage making an interest. They charge 25 % interest for their loans with 0 % intro financing for 12 months. If a payment is delayed by more than 10 days, they will charge 25 % retroactively and I would have forfeit the intro financing. BUT they can hold my money for 6 weeks without any consequence. When I called I was rudely informed that there is nothing I can do about it. I find this practice greedy and dishonest. The amount mistakenly withdrawn from my account can be of consequence and Im not willing to have it held without my consent for 6 weeks.
|
| 02/17/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/2020, I contacted XXXX : by Goldman Sachs that there were unauthorized transfers being made from my savings account. While I was on the phone with them these transfers were taking place. They stopped one transfer and recommending closing the account. They transferred what was left in the account to my local bank. They transferred me to the fraud department who would begin an investigation into the transfers. They asked me if any of the transfers were made by me and I reiterated that I had made no transfers since opening the account.
They assigned claim number XXXX to the investigation. There had been almost 40 trial deposits and transfers of less than {$1.00} made by the people testing the account from XX/XX/XXXX through XX/XX/2020.
I would like to know the results of claim XXXX and what was done in reaction to the over {$23000.00} in illegal transfers from my account.
|
| 06/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I called and requested a Credit Line Increase for my Apple Card from Goldman Sacs. That request was denied for the following reason : " Your XXXX credit report shows you have recently been reported as past due on one or more account ( s ). '' I do not have any " recent '' late payments from my credit report. Last late payment being reported is 5+ years ago thus making this justification false. While still on the phone I attempted to get the reasoning behind this. I was told the issue was escalated to " underwriting '' to get an answer.
Today, XX/XX/2023, I got a call from Apple Card. The person was calling from their cellphone and engaged in what can only be described as " Stone Walling ''. She refused to provide any information, refused to transfer the call to a Supervisor/Manager ( likely as she was unable to transfer from her cell-phone ) until she hungup on me.
|
| 03/16/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
XX/XX/2021 I transferred {$5000.00} from Marcus to XXXX XXXX, and {$5000.00} from XXXX XXXX to Marcus to backfill the savings account.
I opened this account as an emergency savings account so that I can have access to my money anytime I needed it. I tried to move my money to my bank account, and received a call about the suspicious activity. I verified it was me, and they said it was fine. Then they locked my account. I am closing on a house soon, and I need my money to be able to do so. They are telling me to send them paper copies of my banking institution while they hold my money hostage from me. This is extremely horrifying that they can keep my money away from me when I need it most.
I have no home, move from temporary housing to an extended stay with my wife and 3 dogs while Marcus has the power to keep my money from me in a time ( COVID making it worse ) I need it most.
|
| 01/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Marcus by Goldman Sachs had closed 2 of my accounts.
1. GM Rewards account 2. GM Extended family account because of an internal investigation in which was found to have me or in this case the identity fraudster violating their terms and conditions.
I tried to reapply according to the agents on the phone stating I could reapply anytime I wish. My credit is enough for approval but I believe there is a system on Marcus by Goldman Sachs preventing it from going through. I experienced identity fraud on those two accounts I had with Marcus by Goldman Sachs, I would like the past to be resolved and start using the credit cards Marcus by Goldman Sachs has to offer without the identity fraudster 's doings getting in the way of my application. I already reported identity theft to the FTC and would like Marcus by Goldman Sachs to send me a new offer to get their credit cards that offer.
|
| 10/10/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
We initiated a wire transfer from XXXX at Goldman Sachs online savings account. They wired the money to an entirely different bank with a different routing number, despite admitting, we gave them all the correct information. However, it took XXXX days for them to find the money and recall the funds. In the meantime, we had been hung up on by many customer service agents and nobody would tell us where our {$330000.00} went. We needed that money to close on a new home we purchased and as a result of being late on closing we ended up owing the sellers {$600.00} in rent back fees. Goldman Sachs refuses to give us more than {$100.00} in XXXX credit. And they wont tell us how this banking error happened in the first place. It was incredibly stressful for myself and my husband, as well as the sellers of the home we purchased and all of our real estate agents in title company personal.
|
| 12/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
You must have known about the XXXX charge I disputed and it was charged back on my credit card account I recently got a response on " XXXX XXXX XXXX '' from you guys that I can redispute that XXXX charge by calling the customer service.
Calling customer service is a nightmare in your bank, I feel like XXXX XXXX XXXX XXXX XXXX XXXX, why don't you dispute the charge over here or you give me a call at my phone number because I am not able to reach any customer service agent after calling at your customer service.
The charge in question was {$240.00} I would like to tell all of the people who was are looking at this complaint to not use this Goldman Sachs credit card- Marcus , you will be banging your head on the wall, the customer service is awful and there is no recourse of the charges you have made on this credit card if you will not receive the merchandise or the service.
|
| 08/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
My XXXX card which I had for 20 years switched to Goldman Sach 's MARCUS card. I had always received a mailed bill which was paid in full promptly.
The first month when bill did not come I went through long process to inquire and was told I had to establish an online account. or request to receive a mailed bill. They refused to adjust or correct the late fee.
Second month a mailed bill did come late and was paid say day but two weeks later they did not show payment. Of course they did show payment arriving the day after second late fee was charged.
Again tried to resolve even showing check was posted 2 days before they registered it as paid.
I am a retired banker and it is obvious they are gaming the system to maximize late fees.
Now I am canceling the card but can not help to feel sorry for the thousands of people they are fleecing every month.
.
Thanks, XXXX XXXX
|
| 07/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I made a transaction on XX/XX/XXXX with XXXX, which is still showing a pending/authorization of {$10.00}. Goldman Sachs/Apple card did NOT void out this transaction after 30 days since it was NOT captured/posted by the vendor XXXX
This is an error on the system for apple card, but the card company refuses to make adjustment to my card. I have called 5 times and used their online chat 3 times. I have also asked to escalate my issue for technical help.
My card is showing a balance that I can not pay because it is " pending '', which will carry over as a statement balance at the end of XXXX to XXXX. This will affect my credit score.
If Apple card would just " void '' this pending transaction, my balance would be {$0.00}. There would be NO money owed and I would not have a balance carried.
I am negatively impacted because of improper software and CS help from Apple card.
|
| 05/20/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
On XX/XX/2022, I deposited {$30000.00} into a high-yield CD with Marcus ( Goldman Sachs Bank ) . On XX/XX/2022 I deposited {$10000.00} into a savings account with Marcus as well. On XX/XX/2022 XXXX XXXX closed ' both accounts without providing me a reason and never transferred the deposited funds and interest earned back to me. The two accounts show a XXXX balance. I have called four times to speak with the deposit team and customer care team and no one can tell me where my funds are. I opened a customer care case number ( XXXX ), but every time I call to get a status, the person indicates they can not help me and someone will call me back within two to three business days. No one ever calls me back. I have spoken with two supervisors in the last month XXXX and XXXX and neither one has been able to tell me where my originally deposited funds are at. I am extremely concerned.
|
| 11/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid my payment to Apple in XXXX at the end of the month.
I received an email from Apple which I will send to you with this dispute saying that due to a system error my payment was mistakenly not applied for my XXXX payment and that they were updating my XXXX status to current.
Well, they still reported me as late even though I have an email saying it was their fault and they would change it. It made my credit score go down a ton and I am in the process of buying a house. I called and they are not helpful and act like they have no idea how to fix it. literally have an email from they admitting it was their fault so I want justice.
I lost a parent to XXXX and had XXXX myself in XXXX and I had to borrow money to pay them. I DID and THEY made a mistake and need to fix it.
This doesn't just impact me but my kids and husband who may lose our new home due to APPLES mistake.
|
| 11/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
My Apple Card was merged with my wife 's Apple Card thereby increasing our combined credit limit to {$12000.00}. This was done three weeks ago and the prompts from the phone said that it would be done in a few hours. Both accounts were finally merged on the XXXX XX/XX/XXXX but the available credit is inaccurate. It reads that the credit available is {$2.00}. The credit balance is XXXX. By my estimates, available credit should be {$1100.00}. I have reached out to Goldman Sachs numerous times to correct this over the past three weeks and they have not - closing out my complaints with no response. My other issue is that I had my Apple Card in my wallet on my XXXX and since the merger I have not been able to re-add my Apple Card to my wallet in my XXXX. I have also mentioned this in the complaint and again, Apple Card Goldman Sachs have closed out my complaint with no response.
|
| 08/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I am in need of help because I am being harassed by debt collector who is repeatedly calling me after I told them it was an inconvenient time to call me...
But they didn't stop here I have screenshots of them calling at the same time day after making me fell uncomfortable.
I looked up this law 15 USC Which is the FDCPA and in section 1692c ( a ) ( 1 ) it says ( at any unusual time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that convenient time for communication with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, Local time at the consumer 's location ; ) Which means that if I told them that it is not a good time they should know that the time they called me was inconvenient they also violated me again under the FDCPA
|
| 11/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After I found a billing error and requested documentary evidence after an investigation was complete, the account opened by my open end consumer credit plan was CLOSED on XX/XX/XXXX.
Closed with clarification or documentary evidence of indebtedness. The account was closed on XXXX XXXX and an investigation was started XX/XX/XXXX Pursuant to regulations of the Consumer Financial Protection Bureau under 15 USC 1666 ( d ), a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account.
I have attempted to resolve this on XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX.
This is not my obligation because I used my charge card issued under my open end consumer credit plan. The obligation belongs to the United States pursuant to 18 USC 8.
|
| 07/03/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Web |
Servicemember |
|
Goldman Sachs Bank, USA. did a federal backup debt on my CD for the month of XXXX for {$220.00}. My account ends in XXXX. Customer number is XXXX. I want this money put back into my account. I never even signed a signature card back in XXXX. So they sent me another one in XXXX. I HAVE NO FEDERAL BACKUP WITHOLDING I OWE THE FEDERAL GOVERMENT. I SENT THE NEW ONE BACK ON XX/XX/XXXX, INDICATING I HAVE NO FEDERAL BACKUP WITHOLDING FROM THE FEDERAL GOVERMENT. I CALLED ON XX/XX/XXXX. THE REP ADVISED THEY STILL DO NOT HAVE. I WAS PROMISED A CALL FROM A SUPERVISOR NAMED XXXX, ON XX/XX/XXXX. I NEVER GOT THE CALL. THEY WILL NOT SEND ME ANY SIGNATURE CARD, THEY SAID I SIGNED BACK ON XX/XX/XXXX. THAT'S BECAUSE I NEVER DID. IN THE MEANTIME I WANT THE {$220.00} PUT BACK IN MY ACCOUNT THEY TOOK OUT ON XX/XX/XXXX. I SENT THE NEW CARD IN TO STOP THE BLEEDING, AND THEY CONTINUE TO PLAY GAMES
|
| 06/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Goldman Sachs dispute # XXXX Purchased a cruise in XXXX of XXXX with XXXX XXXX XXXX over the telephone.
Upon payment verbally on the telephone with XXXX XXXX I was not made aware that the {$500.00} deposit I paid was non-refundable.
Only months later did I learn that this cruise was non-refundable.
I have disputed this issue several times with the credit card ( Goldman Sachs ) asking them to investigate this issue and require XXXX XXXX to provide evidence that I was in fact informed of the non- refundability of this cruise deposit *at *the *time *of *purchase while on the telephone.
Goldman has repeatedly just closed this case finding for the merchant without every requiring XXXX XXXX to provide such evidence.
Please assist in ths matter, either require Goldman Sachs to require this evidence from XXXX XXXX or force them to refund my {$500.00} please.
Thank You
|
| 05/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Filed a dispute for XXXX and XXXX. The company Goldman Sachs can not respond with consistent information I get no or different information each contact Representatives only know how to file a dispute whether I approve or not. I have written a letter had to call for them to tell me they responded. Never got a response before calling. One part the XXXX. XXXX was approved but not the XXXX. Nobody knows what is going on. Also Sent payment told by two reps it would be applied to balance only this didnt happen called no explanation other than Im sorry. This is sad. I have never ever endured this with a credit card company. Their customer service is horrible and inconsistent please get my XXXX refund which they have out on a new payment plan The purchase was made in XXXX of XXXX. I have already paid this. How can one start a payment plan in XXXX for a XXXX purchase. Please assist
|
| 03/21/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I was rated an XXXX credit score before buying home improvement supplies at the XXXX XXXX. Was approached by an associate to buy items on credit, and the wall said 84 months no payments. Applied for a Home Depot Credit Card and the cashier spoke XXXX, contract was written in XXXX. Waited for term and statements in English. Told me it was no payments for 84 months. Called, emailed messaged and pushed hard. At no time did anyone tell me I was late on a payment for the first two years. When buying a car in XXXX, there were four negative notices for no payment. I was able to remove the first two 90 days late but not the remaining two 30 days late. Bank card company will not remove late payments from credit report. They keep telling XXXX its correct when I dispute the reporting. Clearly the terms say 84 months no payments. They took two years to change my statements to English.
|
| 01/02/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
XX/XX/XXXX - Received email from XXXX XXXX telling me my XX/XX/XXXX savings statement is ready. XX/XX/XXXX at XXXX I tried to logon to web site for XXXX XXXX . I got into site, but could not view or access bank statement. I tried to contact bank via their savings contact number on web site, but just got put on hold ... no one ever answered. I waited on hold for 15 minutes then hung up. I called again at XXXX and once again heard " ALL OF CUSTOMER REPS ARE SERVICING OTHER CUSTOMERS ... '' this went on for 20 minutes. My wife and I have a large account balance at this bank. This was a very disappointing situation. I do not understand how a large bank can have such terrible information technology practices. Customers ca n't view their accounts or statements???
Please look into this matter for me. I would like to know what they are going so this does not happen in the future.
|
| 04/15/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Hi, I'm reporting on the issue of online saving acct. and CD acct. by my Goldmans Sacks Bank USA, online website marcus.com. I have my saving acct. by GS bank for many years and have sufficient funds in my accts.
I called their customer support over the weekend of XX/XX/23 for transfer to a valid external acct. verified and listed by GS bank. Their customer representative verified my acct. and placed my transfers as requested. These valid transfers were shown in their system. However, next Monday on XX/XX/23, they reversed my transfers. Once knowing this, I called them back. However, they refuse my valid transfer. I called back several times. They now lock my acct. to transfer to all other external bank accts. and don't even let me the internal transfer to another GS bank acct. I called back yesterday again, they refuse to unlock my acct. for valid transfers.
Regards,
|
| 10/03/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with cash advance
|
|
Web |
|
|
XXXX XXXX XXXX put in a loan to Greensky where they had Greensky automatically send loan money to them without my permission and without me signing off on a job that was never completed. I took out a resolution with the company where I was given a resolution case number and told they would talk with both parties and get a resolution. I was then never contacted so called Greensky using my resolution case number was told they were talking to XXXX and would get back to me. Then my account was put on hold with a XXXX payment. Then two months later they I check my account to see the payments have already started back despite never beening told anything. I see they have a XXXX dollar interest charge on top of this. I call Greensky to see what the resolution was when they inform me they talk to XXXX and they had finished the job when XXXX had not even called or came to my home.
|
| 09/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I made a purchase XX/XX/23 for {$490.00} on from XXXX XXXX XXXX XXXX XXXX XXXX ( multiple company names for some reason ), through Goldman Sachs.
They are not an accredited educational institution to issue XXXX XXXX XXXX certifications per my employer. I explained this to Goldman Sachs, the provider of my Apple Card multiple times and I am on my third unsuccessful attempt to dispute the charge with them.
Each time they side with the merchant. The only evidence the merchant has provided is a receipt. Per the Fair Credit Billing Act, I have a " good reason to be dissatisfied with the items and services I have purchased '', therefore my chargeback stands as legitimate.
On XX/XX/23 after multiple attempts to get this dispute settled, and Goldman Sachs repeatedly declining to rule in my favor, I cancelled my Apple Card and will no longer do business with Goldman Sachs.
|
| 03/23/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Between XXXX to XX/XX/2023, Marcus by Goldman Sachs stopped all transactions on my account 3-4 times " on suspicion of fraud ''.
I had transferred about XXXX from XXXX XXXX XXXX to Marcus, and from there transferred to Betterment and XXXX XXXX.
The transactions were made in chunks of XXXX.
First time they stopped transactions, I found that acceptable, and they verified the transactions with XXXX and me. That was fine with me.
However, they stopped transactions and froze debit twice more, when the payment made/received was to the SAME parties, i.e. payment received from XXXX and paid to XXXX XXXX.
This debit freeze that happened over and over againlead to some of my scheduled payments not being honored, and I faced hundreds of dollars in financial loss in late fees and charges.
I wrote to Marcus seeking compensation for the late fee/charges but received no response.
|
| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. This consumer violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 10/01/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have tried to transfer money from my XXXX joint account for a couple of months now but kept getting a generic error ( " technical issues '' ). I called them about it on Friday, XX/XX/XXXX, and they told me they had restricted my account for withdrawals without any notification, and couldn't provide any reason for that.
I got that account unrestricted on the phone and initiated a transfer thinking I was all set. However, later that day, I got an email from XXXX requesting I call back. I called back on I spoke to an agent who said a specialist would need to look at the account. I was on hold for 30 minutes and the agent took down my number and said the specialist would call me. I haven't heard anything since, haven't been able to get in touch, and now am completely locked out of my account.
The bank is holding my assets, not letting me transfer any money out at all.
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
I have tried to get a credit increase with Apple Card/Goldman Sachs , until about two weeks ago I had a fraud alert on my credit report/ which has been since removed for about two weeks now on all three credit Buearu sites. When applied to get the card i had a fraud alert, my 1 st increase fraud alert. Since removing the fraud alert, I have applied about 4 times and I always get a response that they couldnt approve me due to the fraud alert, and that they have tried to reach me, which is untrue, I have called reps talked to supervisor s, open up complaint case and have been given my contact number and times available to talk do to the time difference.
When I received a call out side of the time I am available, the close the case and I have to request another complaint.
I have asked when they pull the credit is it current and a update, no one can answer the questions.
|
| 02/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I used my credit card ( Apple Card ) on XX/XX/XXXX to pay for fitness equipment. After placing the order I contacted merchant in XX/XX/XXXX to follow up on my order. I was not given a confirmed date for delivery of equipment nor an ETA. I disputed the charge with my credit card. It was resolved in favor of merchant. As per card company I authorized the charge which is true. However I am not disputing the charge as such but disputing the charge due to inability of merchant to deliver merchandise that I paid for.
I contacted merchant again in XX/XX/XXXX. Merchant expressed his inability to fulfill the order, yet again. I am paid {$470.00} for goods that were never delivered and credit card company washed off their hands by not helping their own customer.
I have shared the emails from vendor with my credit card company and even then they are not willing to take action.
|
| 09/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
So on XXXX XXXX I decided to get XXXX using Apple Card with their finance options, but I had to cancel my order because I changed my mind on the model and I ordered a different model. Initially I paid {$8.00} for expedited shipping and it was charged on my Apple Card XXXX XXXX. I saw the pending charge of {$8.00} and didn't think the pending charge would be on the account longer and it will fall out. It's been 3 months and I have reached out to Apple Card numerous of time and countless hours. I now understand no one is competent to handle my situation and they keep brushing me off, cause they can not find the solution. I have been told different dates that my problem was going to be solved, some said 3 days, some 5, some 10 and some even 90 days. I'm very frustrated as this is not my fault and I have to call them from my time and spend hours going through this ordeal.
|
| 09/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have been a GM cardholder since early XXXX.
In XX/XX/XXXX, after attempting to replaced an expired card, my card never arrived in the mail, and approximately {$5000.00} in charges were fraudulently attempted with my card. GM resolved all but XXXX of them, XXXX for SQ WRECKER for XXXX and another for XXXX for XXXX. I first opened the dispute in XX/XX/XXXX, as evidenced by their first provisional credit.
GM has rebilled me for a XXXX time as of XX/XX/XXXX. When I contacted customer service, I was told the evidence they have from these two merchants included my home address and a tracking number. As the cards were clearly lost or stolen in the mail, this is not a surprising find in my opinion.
In addition, the dispute was more than 90 days old and should have been fully resolved.
I have attached a recent discussion with one of the customer service representatives.
|
| 06/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In XX/XX/2021 I paid off my credit card with Goldman Sachs. In XXXX and XX/XX/2021 I had thousands of fraudulent transactions on my credit card. I have dealt with Goldman Sachs for 7 months to get all of the transactions resolved. They are still not all resolved. Also, through all this, I have not made a payment on the fraud balance and so Goldman Sachs has been reporting me 120+ days past due on my credit report.
Goldman Sachs has resolved all but {$120.00} of the fraud balance.
I have spent hours on the phone with them and each time I call I hear the same story. " We will escalate this to the appropriate department and someone will call you within 90 days ''. NO ONE has ever called me nor has anyone corrected anything.
I just want the remaining balance to be XXXX and my credit restored to the way it was prior to the fraud, which was 100 % perfect payment history.
|
| 07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I took the loan for {$9000.00} out in XX/XX/2018. I paid all but the last two payments. I contacted them during the first of the Covid pandemic. Explained I wasnt working and not eligible for unemployment. I tried to pay the balance off with a credit card but they stated their policy wouldnt allow me to do that. I told them I couldnt pay the balance due to XXXX until I was able to work again ( I did personally have XXXX ). They wouldnt work with me. I never missed a payment. I was always on time. I feel they should have worked with me. I have every intention of paying them. My credit score went from good to poor because of their actions. I also had a credit card company drop me because of this. I was under the impression that XXXX was treated with a different policy. I dont feel I deserved their actions to my credit report. I would like to dispute their conclusion.
|
| 04/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I paid off this card to a XXXX balance on XX/XX/2020. I contacted Goldman Sachs on XX/XX/XXXX to inquire about closing dates and when the updated balance will be reported to the credit bureaus. The answer that I was given was uncertain but the agent opened an internal dispute to look into getting the information updated. After not hearing anything back, I filed a dispute with XXXX in early XXXX and Goldman Sachs incorrectly reported this information as accurate. As of today, XX/XX/XXXX, the account is still showing an incorrect balance ( {$2400.00} ) thus affecting my credit score and my ability to make purchases. I contacted Goldman Sachs again today and the agent that I spoke with stated that the previous investigation was closed and that she will reopen another. According to my records, Goldman Sachs has not reported anything to the credit bureaus since XX/XX/2020.
|
| 04/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is a notice and request as per the Fair Debt Collection Practices Act ( FDCPA ), [ 15 U.S. Code 1692 ( g ] for validation of debts made pursuant to the FDCPA laws. In order to validate this debt under the law that exists, please provide me with ALL of the below mentioned items : The identity of the original creditor.
The amount of the alleged debt.
The name and address of the original creditor, if different from the current creditor.
The original lawful contract signed by both parties in wet ink, therefore binding both parties, ( the natural person ), and GOLDMAN SACHS BANK, that prove I agreed to pay the alleged amount.
A XXXX accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt.
Proof of compliance with the truth in lending laws of the United States Code, title Title 15 1601 et. seq. and Regulation Z.
|
| 04/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I had made a purchase at a XXXX dealership for a service ( fixing my a/c ). I paid for the service up front, like the dealer requested. I had to leave town for work, when I came back the dealer sent back the parts for my car, so I spoke to the XXXX and he agreed to refund me for the services, given that I never received them. XXXX never refunded me, so I took it with XXXX XXXX Credit Card and dispute it. They returned saying that the dealership had enough proof that I made the purchase. However they refused to see that through the whole time I talked to them about the dispute, I mentionedseveral times, I never received the service. I made the purchase and never got the services. When requested proof of the investigation. They had none, only that I made the purchase. No proof of the dealership saying I received the services, the only thing I got was we can do nothing.
|
| 06/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I would like to file complaint against Apple Credit Card.
On XX/XX/XXXX, I ordered fans that I'm planning to use as favors for my wedding. The vendor name is XXXX XXXXXXXX XXXX XXXX. XXXX NY XXXX. The amount of the transaction is {$100.00}. Unfortunately, many of the fans have splinters and cracks, some are broken and does not look presentable for my event. I contacted the vendor right away via emails and phone calls but was ignored. As advised with Apple Credit Card representative, I returned the fans using the return address on the package since the vendor would not answer my emails.
I disputed this transaction with Apple Credit card XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) but they sided with the vendor who is uncooperative/unresponsive. I do not have the products anymore, they should charge the vendor not me.
|
| 12/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On XX/XX/2021 at XXXX, I signed a contract to build a Sunroom to my home and was told that payments would not start until the project was completed. The project was never started and I received numerous calls from the finance company regarding late payments. I contacted the finance company and was told they did not finance my kind of finance plan. I contacted the Company and was told that unfortunately I placed on the wrong payment plan due to policy changes that were made the first part of the year. I was told there were other plans that I could choose however, I would have to refinance and set up a second plan which would require a higher rate of interest and payments. I requested the account to be closed and was told I would have to pay a cancellation fee of {$9000.00}. This amount is now showing up on my credit report. This has been going on since XXXX of XXXX.
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
On Thu, XX/XX/2022, XXXX I got an email from XXXX XXXX stating that my package has been delivered. When I got home I did not see a package and contacted XXXX XXXX customer support. After speaking with them the customer service rep told me that I will be getting refunded for the missing item. A few days later I get an email saying XXXX XXXX did their investigation and they claim it was delivered by XXXX. After disputing the charge on my Apple card 4 or 5 times I was denied the dispute after providing multiple pieces of evidence as well as a police report from the XXXX XXXX sheriff 's office. The Sheriff cited on the police report as " package theft '' given that the package was left right at the gate entrance where anyone could lean over/ open the gate and take the package.
XXXX should be held liable as they did not deliver this {$800.00} package to my front door.
|
| 11/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Goldman Sachs pre-approved my application for a {$5000.00} XXXX XXXX XXXX XXXX. They requested that I upload my State ID, which I did and Goldman Sachs sent me a letter stating false information '' identity could not be verified '' I sent them my valid front and back of my state ID, so they had documentation of identity as they requested. Still they denied my application, The Equal Credit Opportunity Act [ ECOA ], 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.
The Department of Justice may file a lawsuit under ECOA where there is a pattern or practice of discrimination.
|
| 09/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I made a card payment on a Thursday via ACH. It cleared my bank the next day. Checked card it had not cleared the payment. Decided to wait until after the weekend. Wednesday the balance still had not been reduced. I called in the first person told me they couldn't apply the payment. I asked for an escalation. Happy to provide proof that the payment had cleared. They stated they knew it had cleared, but that I would need to wait an additional six days for it to clear because I had added a new account. This was in no way stated while adding the new account nor when making the payment. I inquired if I would be credited for the interest they would be earning on my money. I was informed I would not. So I closed the account. Extremely poor communication and customer service. I've spent ten years in the industry and that is some of the worst policy making I've ever seen.
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Since XX/XX/2022 I have consistently contacted XXXX and XXXX via telephone and written letters regarding unauthorized reporting on my credit report without my written consent that has violated my protected consumer rights. I have also contacted XXXX and XXXX XXXX XXXX inform them of this violation as well with no resolution. Neither one of the listed establishments were able to validate the reported accounts that included my wet signed sealed signature to confirm a contract. Rather than removing the violating information from my credit report, XXXX and XXXX closed the accounts. Furthermore, this inaccurate and unauthorized information remains on my recent credit report. There was no permissible purpose for the reported accounts and these accounts should not be furnished on my consumer report as they are in violation under 15 US Code 1681b and 15 U.S. Code 1681c-2.
|
| 03/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Servicemember |
|
We filed a complaint in against Greensky because we were mislead by the sales agent who opened the loan. Since we filed our complaint we have been given misleading information about the status of our loan. I am attaching a screenshot of our loan portal on XX/XX/XXXX that shows our account at and XXXX balance. We have been told that no more interest would be applied to the account until the matter was settle. Now were are getting conflicting information saying our balance is going to be reinstate and interest was applied to our account after XX/XX/XXXX. But even today when I log on to our online portal it says that our account balance is XXXX. I am attaching copies of screenshots from XX/XX/XXXX and today XX/XX/XXXX. We are concerned this is another attempt to mislead us and to add more fees and charges to our account and to trap us into owing them even more money.
|
| 08/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/23 I was called and scammed by someone claiming to be Apple Card ( Goldman Saks ) Fraud Dept.
They said they needed to do a hard reset on my Apple XXXX in order to prevent further fraud. I did it - and they took my identity and charged a total of almost {$12000.00} in several separate transactions at XXXX XXXX Apple stores ( I live in XXXX TX. ) I immediately reported the incident to Apple Card, I reported identity theft and got affidavit, police report, froze my credit etc..
My credit card ( Goldman Saks Apple Card ) has opened investigation and determined that I am responsible for the charges. I did not make these charges, I was not even in New York on that day which my credit card statement shows, and I cant understand why they are saying I must pay. They have not explained the decision and I need help because I feel like Apple Card is now scamming me.
|
| 01/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American |
|
I stopped using the credit card when it changed from XXXX XXXX XXXX to Marcus by Goldman Sachs about XXXX years ago. There happened to be a balance and fees on the card which I paid and closed the card at that time. I forgot about the card.
It so happened that there was XXXX XXXX remaining balance on the card. I was sure the card had been closed... Then after a few months I was somehow informed that there was a XXXX balance on the card which I considered closed. I called them and tried to explain that I didn't need to use the card and if they wanted me to pay the XXXXXXXX XXXX balance they should have notified me about the balance instead of keeping it open despite my decision to close it and adding monthly late/non-payment charges to it.
The bank people are now calling me and threatening with collection. Please help me to solve this situation with the GS bank.
|
| 11/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
My Apple credit card with Goldman was charged for something I did not buy. There were two charges from the same company. XXXX for {$5.00} and another for {$67.00}. I contacted Apple Card support to report the fraud charges and the immediately adjusted the balance for the {$5.00}. Then I was sent emails stating that the issue was resolved. They did not do a balance adjustment for the {$67.00} but I got an email stating this was resolved because You decided not to dispute the transaction which I did not agree to. I called a somehow got an agent that told me it will take two months to investigate the charges. I asked about the email they sent stating that I decided not to dispute the charges and she said it will take two months to investigate the charge. Now I get no response from Apple Card support. Please help with this issue and force apple support to do its job.
|
| 12/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
For exactly a month now, Apple restricted my Apple credit card and I have not been able to make purchases using this card because they said my account is " under review ''. They said that someone would contact me to resolve the situation when the review is done, but they never did. When I tried calling back like every week ( latest was on XX/XX/XXXX ), Apple still told me the same thing ... to wait for a return call. I even verified any information about myself that the representatives asked over the phone. I told them that I have waited a whole month now to get my card back, and they refuse to give me my card back, saying I have to keep waiting. This is very unacceptable handling of a credit card. I want Apple to unrestrict my Apple card so I can use it again. I did nothing wrong, and they have done absolutely nothing to update me or make progress on this issue.
|
| 01/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I signed up for an Apple Card, and then my Apple account got hacked.
I started getting charges on my Apple Card, and got billed statements by mail, but none of the charges were made by me. I've made numerous attempts to contact Apple, but they keep telling me to try to log into my account to fix the issue. I can not get into my card because it got hacked and the phone number connected to it has been changed by the hacker as well. They can not help me get into my account AND they can not stop the charges.
My credit line on that card is also only {$12000.00}, but somehow this hacker his racked up charges upwards of {$30000.00} when this shouldn't be even possible? Not a single transaction was from me, and I can not stop them. This is affecting my well being and also my credit score. I desperately need help to stop them and fix this situation.
Please help me.
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| 05/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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I have had a lot of problems with Goldman Sachs and I'm worried that they loose financial transactions and then I need to spend many hours fixing problems ( last issue took 7 connections with GS and a complaint to the CFPB to resolve ).
I asked to have my account closed. I had the representative confirm that I have no outstanding balance and that there are no pending transactions. Even after that the representative wants me to agree that I will pay any outstanding balance. Given the unreliability of their previous activities, I am only willing to agree to the statement that I agree that I have paid my account in full and have no outstanding obligations to Goldman Sachs.
I am not willing to commit to paying some nebulous charges that they may " find '' in the future. I want my account closed without being held hostage to GS for any future mishaps on their side.
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| 12/24/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Company closed your account
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Web |
Older American |
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I have received a letter from my online bank Marcus by Goldman Sachs dated XX/XX/XXXX, that my CD account will be closed on XX/XX/XXXX. My CD account has a 12-months term. It was open on XX/XX/XXXX and it matures on XX/XX/XXXX.
The letter from Marcus didn't provide me with any reason as of why my account will be closed.
I contacted Marcus and I spoke with 2 of their supervisors about this issue. They both could not explain me why my account is being closed. One of those supervisors by the name XXXX told me that that was a business decision made by the bank.
I strongly disagree with the bank 's decision about closing my CD account before it matures on XX/XX/XXXX.
I locked a high interest rate when I opened my account back in XX/XX/XXXX, and I will lose a considerable amount of money, if the bank closed my accounts prematurely before the 12-months term is up.
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| 10/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
Servicemember |
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I reached out to a number of Goldman Sachs staff including the CEO 's office and no remedy to properly adjust my interest rate on both cards to at least 6 %. I have been unable to resolve my issue with the incompetence of your staff at the lower levels so I am emailing you directly. My issue is simple, I am a XXXX XXXXXXXX on XXXX XXXX. I have been on and off XXXX XXXX for years and on this latest time I receive orders there has been a struggle to get my Servicemember Civil Relief Act ( SCRA ) benefits and protections ( 6 % interest rate on credit cards ). Over 90 % of my credit card companies have complied with this which is the federal law ( statute ) yet Goldman Sach 's Apple Card have stonewalled me a few occasions. I need resolution at your level. This has also been the case for my wife 's credit card- XXXX XXXX. See email chain and attachments. Thank you.
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| 01/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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XX/XX/XXXX, I applied for an Apple Card as they offer 6 % cash back if I purchase something from Apple Store. And my application was approved.
XX/XX/XXXX, Got a missed call from a Apple Card Specialist.
My account was restricted and I couldnt use it. I tried to call back, the specialist told me my account is under review and someone will contact me once review completed.
XX/XX/XXXX, No one contacted me. I called Apple Card customer service again and I got the same answer. My account is still under review for no reason. I missed the 6 % cash back offer.
XX/XX/XXXX - XXXX XXXX, I have texted and called Apple Card Customer Service more than 20 times. They always gave me the same answer like a robot even hang up my phone sometimes. No one can give me solutions or reason why my account was restricted. I have never seen such ridiculous customer service before.
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| 07/10/2019 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Marcus by Goldman Sachs was offering a promotion where the terms were to open an account by XX/XX/2019, deposit {$10000.00} XXXX or more of new funds into the account within 10 days of enrollment, maintain these funds for 90 days, the account holder will receive {$100.00} bonus. I fulfilled these terms ; I opened my account on XX/XX/2019, immediately transferred {$10000.00}, kept the funds in there for 90+ days.
I called into their customer service department to follow-up on my bonus and after multiple discussions, they noted that on their system, it did not show that I clicked on the offer link. Because of this and despite me fulfilling the offer terms, they could not grant me the account bonus. I am very confident that I clicked on the offer link as I even saved the webpage as future reference. Marcus is not fulfilling their end of the advertised promotion.
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| 06/30/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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Marcus locked my account because I changed my address information. I have called multiple times and they are very agressive on the phone and are not willing to help finding a solution to check on my identity. I have tried multiple ways and offered even traveling to the XXXX ( Im leaving abroad ). They have denied affidavits, not willing to meet on any way. I have over XXXX in my account ( all my life savings ) and have been going trough a health treatment which I urgently need the money to pay my bills and medical bills too. They have no sense of urgency and as of now I consider they are taking me/my money hostage. Im going to be pursuing legal actions. Its 2023 and with all the technology available they are unable to help. I have moved outside the XXXX but still have an address I receive my mail and that shouldnt be an enormous blocker to verify my identity.
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| 01/26/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Can't close your account
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Web |
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I opened a high yield savings account at Marcus with Goldman Sachs in early XX/XX/XXXX and in a few days asked them to transfer back a portion to my original account. They have locked my acct since. I call everyfay and either get the runaround or they cut me out. They asked me to get an affidavit of identity notarized which I did n they confirmed receipt XX/XX/XXXX. I have called XXXX n they say it takes XXXX business days to review but each time i call they say its under review n call back. I have since read numerous online on social media including XXXX complaints from other customers with very similar experiences. I reached out to my Attorney today but I also wish you to fastrack an investigation into the way this bank is doing business and abusing the banking system. This company with a bad history of wrong doings are at it again and needs to be stopped.
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| 08/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I received a large refund to my Apple Card ( issued by Goldman Sachs ). I requested a refund of this money on XX/XX/XXXX, but was told to wait till the end of the month ( greater than the 7 days allowed for a credit balance ). I reached out on XX/XX/XXXX as this did not occur. I understand however that this is due me having a parallel balance ( an installment balance that is applied on a monthly basis on my account, but Goldman reflects the total installment balance as what is owed to XXXX to the credit agencies, and my available credit is reduced by this amount ). Apple/Goldman offer no way to apply my credit balance towards this installment balance and offered to keep the credit balance on my card for as many months as it takes to pay down my installment balance. I requested a refund to do so myself given this inability and was told this was not possible.
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| 07/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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My XXXX mother in XXXX wished to make a XXXX wire of her savings to me. An XXXX XXXX transfer of {$48000.00} was made to my Marcus savings account with Goldman Sachs XXXX code XXXX on XX/XX/2022. I have not seen the funds issued to my account or the seen the transfer rejected.
The transferring bank has the proof of acceptance from Goldman Sachs as seen in the attached receipts. Why did Goldman Sachs accept the transfer? Where are the funds now? The transferring bank has tried to reach Goldman Sachs over authenticated XXXX messages and they have not been responded to.
Please thoroughly investigate this matter at the earliest as to where the funds have gone. I seek resolution instead of a wall of excuses I have been hitting through customer support. This has been very painful and I have exhausted every legitimate avenue Goldman Sachs has left open for me.
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| 06/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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On XX/XX/2023 I received a late fee and interest on my credit card ( gm rewards card Marcus by Goldman Sachs ). I had previously called and requested a statement for the month of XXXX ( which I never received ), I received a letter with a copy of my statement ( the due date was XX/XX/2023, the date on the letter is XX/XX/2023 ), I have never had a problem receiving my statements in the past, I called 3 different times over 2 months before I received the first copy, I paid by phone the statement balance on XX/XX/2023, I was told they would remove the late fee because they could see where I had called twice asking for my statement, on XX/XX/2023 I received a statement with late fees and interest, I called and questioned the charges ( there has been no activity on this credit card since XXXX ) I was told I had to pay the late fee and interest on the late fee!
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| 10/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I signed up for the apple credit card on XX/XX/XXXX ( XX/XX/2022 ). I signed up on the website link XXXX XXXX XXXX This website provided a promotion where if you apply for the card by XX/XX/XXXX and make any purchase within the first 7 days of opening the card you are eligible for {$100.00} promotional cash back.
I signed up using that link on XX/XX/XXXX, made a purchase the same day. So I followed the terms of the deal. I did not receive the {$100.00}. I contacted apple card support on XX/XX/2022 to attempt to fix the issue. They said they would look into it. They just emailed me back saying I did not qualify for the promotion. However, I did follow the terms of the promotion, so they are wrong.
Images show proof that I applied on XX/XX/XXXX, proof that I made a purchase within 7 days of account opening. Also my denial letter from Apple Card support.
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| 11/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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This complaint is in addition to the previous one # XXXX I bought TWO XXXX XXXX but was double charged and another charge on the statement I dont recognize.
Attached is the screenshot of the long explanation, correctly explained and I have circled in red where the problems are. At this point I can tell there are a few capable person available to work at Apple Card.
In the attached screenshots, taken from the Apple Card explanation, there were TWO charges of {$2000.00} and {$2000.00}. This is where the mistake is. I bought TWO XXXX XXXX at the price of {$990.00} each. So TWO iPhones should costs {$990.00} x 2 = {$1900.00}. Plus taxes it would added up to {$2000.00}. So the charge of {$2000.00} on the Apple Card would be correct ; but there are TWO charges of {$2000.00} instead of one. And who authorizes the charge of {$2000.00}? For what? MAY I KNOW?
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| 09/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I am not sure for what product or service I have been charged {$1100.00} on my credit card. All I know was I purchased a XXXX XXXXXXXX on XXXX XXXX it had internal camera issues, I requested for replacement they XXXX approved it.
I got the new phone and I returned the previous phone on the same day around the last week of XXXX.
And after 2 months ( XXXXXXXX XXXX ), I got this charge without any explanation. On XXXX XXXX I saw an update it the replacement was canceled without explanation. So I do not know for what they are charging me or why are they charging me.
I further investigated, I found out that XXXX delivery partner of XXXX had successfully ship my return and XXXX received it. But upon arrival XXXX did not received the phone. When I requested to get box weigh of my shipment. XXXX records are deleted and they have no evidence to support it.
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| 06/21/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Problem with fees or penalties
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Web |
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- I opened a 12 mo CD with Marcus Goldman Sachs on XX/XX/2020 for XXXX - On XX/XX/XXXX I called Goldman Sachs to close the account and move the money back to my XXXXXXXX XXXX account - The customer service person and supervisor both told me that my CD that matured on XX/XX/XXXX was rolled into a new CD at a much lower rate and I would have to pay a penalty if I closed the CD and moved the funds back to my XXXX account - The penalty is over {$600.00} so I asked them to waive the penalty as I was unaware of the rollover to a new CD - XXXX GS siad they would not waive the fee - I wasn't informed of the automatic rollover to a new CD - I wasn't asked to accept the new CD rate - The language in the letter XXXX sent in XXXX does not clearly describe what we needed to do to keep the CD from rolling into a new CD or that there would be panalties with this new CD
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| 10/31/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
Older American |
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I tried to perform a wireless transfer from my Marcus Bank savings account to my XXXX brokerage account but the bank locked my account ( without notifying me ) and it took many calls with customer serviced to unlock my account. Although I've had a substantial cash balance with this bank for several years, they nonetheless suspected fraud may be occurring with my account. Each time I contacted consumer service they could not explain why the lock was performed. And each time they assured me my account was being unlocked due to my answering a series of verification-related questions ; however the wire transfer still could not be accomplished. I decided to close my account, yet even this action resulting in a further lock of my account until I finally asked for a " supervisor 's '' assistance resulting in closure of my account and transfer of funds to XXXX.
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| 02/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Apple Card/Goldman Sachs holds payments for 10 days before applying them to your account. They receive the money from your bank, mark the transaction as complete in your account, but refuse to apply the payment to your available balance for up to 10 days. For no rhyme or reason. When you contact them about it they don't give you a sufficient reason. They say it depends on your payment, account, and bank. Then they try to push you into using their product Apple Cash in order to get your payment credited immediately.
I have never had a credit card tell me that paying directly from my bank, especially after they've already received the money that it was a problem.
This is an issue and the ambiguity around who they are making wait 10 days questionable. I did XXXX this issue and found people complaining about 3-5 days lag times but never 10 days like me.
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| 10/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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I have an Apple Card, which is issued by Goldman Sachs. However, Goldman Sachs does not provide support for this, it is a partnership with Apple. On several occasions, I have had fraudulent charges applied to my card. When I dispute them through Apple 's automated system, they deny a refund with no explanation other than " ineligible for refund ''. Since Apple is both the seller and the card issuer, I have no recourse, so I decided to close the account. When I attempt to do so, I am transferred to a line where I wait to speak to an attendant indefinitely with no ETA for an answer. Apple 's chat system tells me I have to wait for 7 hours and 54 minutes for someone to respond. I'm not sitting on hold waiting for someone to answer for basically a business day. There should be a way to immediately close the account, but evidently there is not. I need help.
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| 01/27/2021 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
Older American |
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I completed fully funding a new savings account @ MARCUS by Goldman Sachs with " new '' funds in the amount of {$15000.00} on XX/XX/2021 ( attached ) after completing the required interbank funding procedure debits and credits and test deposit.
On XX/XX/2021 I received a marketing offer ( attached ) for a {$100.00} Savings Bonus effective from XX/XX/2021 through XX/XX/2021 that I was unaware of when I opened the described new savings account.
Upon receiving this promotion offer on XX/XX/2021, 11 days after its effective date and within the time interval specified by the offer requiring only a {$10000.00} funding to be deposited and remain for 90 days I contacted XXXX and escalated my request to be credited the {$100.00} to a supervisory employee XXXX XXXX who initially resisted my request but then agreed to submit a formal request for further review.
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| 06/04/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
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XX/XX/2018 - I tried to log into my account at XXXX / Goldman Sachs Bank USA, and was given a screen with new types of agreements that I had to digitally sign. The company would not allow me to get into my account until I signed all of these agreements. One of the agreements they required me to sign was an Authorization to monitor my credit reports whenever they wanted to. There was no way for me to agree to other agreements that make sense ( Privacy agreement, ACH authorization, etc. ) without agreeing to allow them to monitor my credit at any time. I view this as an Unfair, Deceptive or Abusive Act or Practice under Dodd Frank. A company should not condition my access to my online account on signing an authorization to monitor my credit at any time. I would like XXXX / Goldman Sachs Bank USA to discontinue this deceptive practice as soon as possible.
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| 10/28/2023 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I sent a dispute letter to the company in XX/XX/2022 regarding a lender reamortization of the loan which increased my debt to higher than the original amount and increased the payments. Also included in that letter was a notation from the dental practice provider that they ( dental provider ) subsidized the loan to give me 0 % interest instead of a XXXX XXXX interest rate. Company failed to acknowledge the dispute letter sent, company failed to respond in 60 days to dispute. Phone calls went no where to arrive at a solution. Accounting procedures are very shady and XXXX payments have never been credited to the account and despite providing proof, they will not credit the uncredited payments. Company has started charging a ~ {$2.00} foreign exchange fee ; the company is domestic. Calls to the company regarding this with the response being insufficient.
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| 05/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2023, I got a notification from my Apple card account that a purchase transaction took place on XXXX at around XXXX XXXX. I immediately contacted Apple they filed an investigation in which my physical card was canceled ; today, it has been ten days since the incident I have not received or been notified that a new card has been shipped. Also, bear in mind this entire conversation is by text message, not phone with a live person. I contacted customer support over the phone ; They explained that they do not automatically order new replacement cards. The support team told me you had not paid my bill for the month ; my response was no ; I reported for fraud and have not gotten a replacement card. I am not 30 days delinquent on this. I am concerned about making a payment with a new card being ordered and shipping for replacement prior to payment.
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| 08/18/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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Web |
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Apple XXXX Goldman Sachs has not provided good enough security and allowed XXXX to bill my card without my permission for {$24.00} ( {$360.00} annually ) with an expired card ( after i requested a new card my account was charged ) Apple has also done nothing to patch the XXXX Terms & Conditions glitch & needs to explain why they attempted to fleece me out of {$460.00} for a simple isopropyl alcohol cleanup! I've invoiced them this amount for being abusive towards their customers & this complaint serves as investigation into Apple 's business practices.
I currently have a $ XXXX Apple Card balance which I can not use with my mobile wallet, no reasons given whatsoever - It's my money, shouldn't I be able to use it on the App Store XXXX the mobile wallet & on any iDevice?
This should be referred to the Office of the Comptroller & affiliated parties
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| 10/11/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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My Marcus High-Yield Savings Account was locked in early XX/XX/XXXX randomly. I called Marcus customer service ( XXXX ) on XX/XX/XXXX to find out what happened ( photo attached below ). It turns out my account was forcibly closed on their part and they would not explain the reason why it was closed to me. I had around {$700.00} in the Marcus high-yield savings account and have yet to receive any funds back to my XXXX checking account.
I called again today on XX/XX/XXXX ( photo attached ) and I spoke with fraud specialist XXXX. I found out my account was still in the process of being closed. It is taking way too long now. Also, I have not received any emails regarding my account being closed or the process my account is going through. It is completely irresponsible for a company to mishandle my account and not be forward with me communication-wise.
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| 11/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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I incurred an interest charge for paying my XXXX balance statement on XX/XX/22 instead of the due date on XX/XX/22. Since I paid my following balance statement ( XXXX ) in full and on time ( XX/XX/22 ), I should have not accrued any further interest. However, I received a second interest charge for almost identical amounts without any valid explanation. The first interest was charged on XX/XX/22 for {$64.00} while the second one was on XX/XX/22 for {$65.00}.
After failing to receive proper customer service on the matter, I submitted a dispute which was not resolved on my favor without any further communication or discussion. I am still unaware of the reasons for the second interest charge and confused as to why the bank refuses to contact me directly with a valid and acceptable explanation. Their communication and assistance has been poor at best.
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| 09/06/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Application denied
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Web |
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I, consumer, natural person, living woman was discriminated against by Goldman Sachs when I applied for an Apple Card.
On XX/XX/2022, a consumer credit transaction occurred the moment I filled out a CREDIT application NOT a LOAN application. It is my right to be extended credit pursuant to 15 U.S.C 1691 ( a ). In addition, when you, Goldman Sachs, accepted my application you also accepted fiduciary responsibility.
Furthermore, I have proof of fraudulent activity and discrimination based on the response I received from Goldman Sachs, the unauthorized use of my credit card, and I did not receive ANY BENEFIT from this transaction 15 USC 1602 ( p ). My consumer report was negatively impacted proving the transaction did in fact go through.
Best Regards, XXXX : XXXX [ XXXX ] Without Recourse, Without Prejudice All Natural Inalienable Rights Reserved
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| 03/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
Older American, Servicemember |
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I have had a XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX since XX/XX/XXXX in which it payed 1 % cash back or 3 % on a new XXXX XXXX. I had {$960.00} cash awardes earned I got a letter stating they had sold out to XXXX XXXX awards. On XX/XX/XXXX I called XXXX XXXX and asked them to send me my cash reward money. I was told a I had to have claimed my rewards before XX/XX/XXXX but I would not lose my reward money. They said I could charge it on my new Marcus card as a credit. I contacted Marcus about activating my new card and redeeming my {$960.00} I was told I no longer had a XXXX credit toward a new car and the {$960.00} was all I could use toward XXXXXXXX XXXX and could only use {$250.00}. per year. I am being held hostage by these two companys and want my {$960.00} sent to me. To my knowledge I was never notified that this would happen with my rewards.
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| 11/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2023 my credit card was charged {$120.00} for my normal XXXX XXXX for the month of XXXX.
A few days later I got a extra charge on XX/XX/2023 for {$160.00} charged by XXXX.
Another few days later I received another charge on XX/XX/2023 for {$160.00} charged by XXXX.
I contacted XXXX and the agent I talked to did not see the charge on my account and told me to contact my credit card company ( Apple Credit ).
I disputed the charges with Apple Card for {$160.00} and {$160.00} and sent copies of my XXXX bill as proof that these were fraudulent/erroneous charges and the dispute was rejected.
My bills for XXXX around this time frame were the following which shows up on my credit card which are accurate.
XXXX bill for {$100.00} paid on XX/XX/2023.
XXXX bill for {$120.00} paid on XX/XX/2023.
XXXX bill for {$130.00} paid on XX/XX/2023.
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| 08/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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|
Web |
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I bought two XXXX from the XXXX XXXX XXXX XXXX store. I got charged to my XXXX credit card for two XXXX and get the receipt right away. This is how business should be done.
I bought another two XXXX at the XXXX, MN XXXX store. I got charged for FOUR XXXX on my Apple Card AND without a receipt.
AND later on there's another illegal charge on the Apple Card. Please see attached screenshots.
XXXX representative contacted me after a complain was file with the CFPB ( XXXX ) sent me a wrong receipt and claim there's neither double charges nor illegal charges. The receipt shows the purchase of two XXXX ( with wrong color ) but the charge on the Apple Card was double - four XXXX.
If there's no double charges and illegal charges why was money taken from my bank account? XXXX XXXX XXXX can provide evidence of this money taken out from my account.
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| 07/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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on XX/XX/2021 someone used my credit card to order something with XXXX. Since this is an Apple credit card, when I got a notification of a pending transaction, I immediately notified Apple Card Customer service. I never had a postmates account, never used their services. Yesterday I received an email stating that Goldman Sachs Bank USA has investigated my transaction dispute, and it's been resolved in favor of XXXX XXXX. When I called them to find out why several customer representatives told me they have proof from the merchant. When I asked them to provide me with the proof, one of the managers said " actually when I open your file, there is no proof, anyway for right now you are responsible for this transaction, or we can reopen your case '' seems like whoever was working on my dispute case just decided on their own, without having any evidence.
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| 10/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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I recently cancelled my credit card requesting a replacement due to the card being lost. I also requested a new electronic card number. I was told and completely expected, it was my responsibility to update companies with the new card information. Apple took it upon themselves to send my new card information to at least one company without my consent resulting in an unauthorized payment. I immediately contacted Apple to prevent the processing of the transaction of which they refused saying I needed to reach out to the organization. It is my belief they had not right to pass on my new credit card information to anyone. I view that as a violation of my privacy. At a minimum they should have requested my permission to supply this organization or any company with my credit card number. I have never experienced this before with any credit card company.
|
| 06/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g ( b ) I have right to dispute this debt. As stated in my cease and desist I am also invoking my right not to be contacted by no other means but through written mail. Goldman Sach Bank has violated my cease and desist by continuing to harrass me by phone attempting to collect on a debt that is in dispute. I am disputing this alleged debt within 30 periods prescribed under 15 USC 1692g my failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court.
|
| 04/27/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
on XX/XX/XXXX I received an email from Marcus- Goldman Sachs that my account was closed. It is a CD which was originally opened XX/XX/XXXX and renewed each year including XX/XX/XXXX and set to expire in XX/XX/XXXX. The original amount was {$150000.00}. It is now over $ XXXX. I immediately called the bank and asked what happened as i never made any call and did not close the XXXX. after about XXXX hours of calling and speaking to many different people finally someone told me the account was closed due to abandoned property and the money would go to the state! I was then told it would be fixed the money would be returned and my account reopened. I was told it would take XXXX to XXXX business days. I asked for a confirmation email and was told I would receive it but never did. This is a bank error and I am still so concerned about where my money is.
|
| 04/27/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Received a sudden email notice of forced closure on XX/XX/XXXX at XXXX. I called customer service same day and was told to call back as he was unable to assist with account restriction/closure. Called back and spoke with an agent twice on XX/XX/XXXX. Agent stated she will open up a case to see if the funds could be returned and account reopen. Agent states that she is unable to provide any information regarding closure or even any written confirmation that a case is being open up to reopen the account. The account holds my emergency funds which should have no suspicious activity as I have not attempted to transfer any funds. It is concerning that I was told the fund no longer belongs to me as the account is forced closed and no one I contacted has been able to guaranteed a return of my funds or even provide a written confirmation about the issue.
|
| 05/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I was charged about {$5000.00} in " in-app purchases '' on my Apple Card ( credit card ). I was charged about 50 times between early XXXX and mid XXXX. Each transaction was in in the amount of {$99.00} plus tax. The app was XXXX ( a videogame on my son 's XXXX ). The transactions supposedly happened through Apple 's app store. My son has no access to make in-app purchases from the app store without me entering the password ( which didn't happen for any of those {$99.00} transactions ).
I disputed the charges with Apple, and they decided that I was " ineligible for a refund ''. When I spoke with them on the phone, they said it was ruled that the merchant ( XXXX ) would issue the refund. I did get refunds for about 10 of the 50-some transactions, and the charges for the remaining 40 remain on my statement. I need them to refund the whole amount.
|
| 03/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I had an Apple Card open for two years, used it modestly and paid on time, always. Never late, no returned payments e.t.c. One morning my account is frozen and an email stating the account has been closed. I called Goldman sachs many times to ask why the account was closed and was assured over and over again that I would receive a letter in the mail, no dice. I called again, was escalated to a senior advisor who opened a case and provided a case number, was told it could take up to a month for the investigation to complete, I was never informed on anything and attempted to call back and was told the case number didn't exist. My account is still closed and no proper reason was ever extended to me. I've read online that Goldman Sachs has accidentally closed these accounts many times and users have reported little to no success in finding out why.
|
| 09/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
My Apple Master Card account was closed by Goldman Sachs without prior notification and about 15 min before my appointment to get a new laptop. The specialist I spoke with to appeal or reverse this decision was deceptive and indicated I received several notices of account closure. I confirmed my address and I was notified it was sent by email. The only emails received were account statements which I can not access due to account closure. My statements were emailed on the XXXX of each month. This is unfair to me as I can no longer see my account details as the only way to access this information was through my Apple Wallet.
This matter was escalated to a manager who knew my request and desired outcome yet he strung me along for close to an hour. I specifically asked and the manageXXXX confirmed he was aware even though he wouldnt do anything.
|
| 06/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Goldman and Sachs is accepting my payments and not crediting my account so I can use the credit and additional funds I have sent to them. My payments WERE NOT RETURNED SO THEY ACCEPTED THEM. THE FIRST PAYMENT THEY REVERSED AND KEPT THE FUNDS.
Failure to honor, and credit the intended account has caused loss injury and harm. An offer of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. It is their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies.
This Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ).
|
| 11/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
The Greensky program settlement administrator is not following consent order file # XXXX. I was supposedly mailed a redress payment of over {$44000.00} but i did not receive it.
Greensky program settlement administrator has verified I was issued a check ( void after 90 days ) over a year ago, that it was not processed, and I am to receive a new check. That was established XX/XX/2023 and now as of XX/XX/2023 a check has still not been sent to me. I have been checking with the settlement administrator by email and phone and have been repeatedly told they are not " cutting '' new checks yet.
It sure appears to me to be stall tactics. How long does it take to have a check cut?
I have searched CFPB website and called several times but have been unable to find what department ensures consent orders are followed by the respondent.
PLEASE HELP!!
|
| 11/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Apple Card holds payments for 7 business days before updating credit limit, despite funds already being withdrawn from bank account. This means that despite paying the credit card on time, there is a 10 day period of not having access to credit on the card.
Support will not manually release the hold. They advise that the only way to avoid a hold is to pay the credit card balance via Apple Cash and that it will then be adjusted immediately.
I am not sure whether forcing consumers to use Apple Cash for timely release of their credit is legal but it is inconvenient. There is no notification when you make an ACH payment that your credit will not be updated for 7 business days. This is a big annoyance and has resulted multiple times in $ XXXX of credit not being available to me more than a week after submitting an on time payment. Please help.
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Goldman Sachs XXXX Account XXXX XXXX .... continues to appears on my credit report after I have provided the Credit reporting company ( XXXX ) thst this particular account is fraud and not mine. I've submitted police reports stating the error and I've threaten them with a lawsuit and its still showing as verified account. I've also sent this information to Goldman Sachs as well. They have NEVER investigated the issue after showing proof. I'm not sure why I keep getting letters that are threaten intent. These tactics are illegal and these companies are getting away with it. I want this to STOP> I need to request this old account to be removed from my credit file immediately before I approach the social media and new outlets as I'm being taken advantage because I'm a person of XXXX.
I will claim XXXX discrimanation in a lawsuit. Thank you l!
|
| 11/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
I have had multiple issues with Goldman Sachs Apple Card. First being that Goldman Sachs declines multiple attempts to make a legitimate purchase at the retailer XXXX. Second the customer service representatives were ill prepared to handle calls related to declines related what they call " suspected fraud misuse ''. After verifying that these attempted charges were correct and actually attempted by me the card holder eight times and while assisted by Goldman Sachs customer service, the charges were still declined. Goldman Sachs then followed up with a restriction on the account for an unknown reason. Goldman Sachs also stated they did not have a way of issuing a letter stating that my account was closed after I requested that they close the account. I believe that the company my be bordering predatory practices with their business practices.
|
| 03/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My account ( and multiple others ) were compromised as apart of theft on new years day of 2022. XXXX bank and Bank XXXX XXXX quickly resolved those issues. Apple ( via goldman sachs ) did not. Access to my accounts was locked by apple and unrecoverable PER APPLE. Payment of the account was impossible due to this. 10 days after the account was " past due '' apple sent a notice in the mail along with charges ( many of which were still fraudulent and were racking up interest charges ). I then promptly submitted payment. After that a month later they submitted to the credit agencies that i was 30+ days late. THIS IS FALSE!! I have now paid this account down to zero and plan on closing it. The negative remarks on my credit report are effecting my credit report scores. The interest charges for fraudulent charges is negatively effecting my money.
|
| 09/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Dispute against APPLE Goldman Sachs credit card, I filed a dispute with them for a transaction that had not been refunded by the merchant XXXX. I had to cancel my registration for my medical school board examination, which was on XX/XX/XXXX. I had canceled and requested a refund weeks before, the merchant has yet to respond. I filed my dispute with Apple Card and have attempted to contact on numerous occasions. I have sent them 6 emails, and I have record of all the terrible responses Ive received. It seems as if they are making a joke of the situation- XXXX $ wasted for an examination I couldnt attend to due a personal emergency, and am expected to take again ( aka pay another XXXX $ for. ) this is cruel- both the merchant and credit card provider have failed to provide me with the refund for a service that was canceled and not received.
|
| 09/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Servicemember |
|
I used to have an AppleCard issued by Goldman Sachs with a {$750.00} credit limit until Apple declared my email address as " fraudulent '', due to unauthorized payments coming from the address. They said that all I needed to do was switch email addresses of the Apple Card from my old email address, XXXX over to my new email address XXXX. Long story short I wasn't able or allowed to switch my email address over to the new from old so, Goldman Sachs closed my AppleCard account without notice. My credit has improved since the original credit pull, but to no avail I can not get an AppleCard. The reasons were recent delinquency. Time since delinquency is unknown or too recent, and Length of time since accounts were established. Now the answer is I have applied too many times, yet it tells you to reapply if you feel the decision was in error.
|
| 10/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2021, i was issued a credit from the XXXX XXXX back to my Credit Card. The amount was {$860.00} for a refund. I asked the credit card company to use those funds to pay off an installment on a device, i was told they could not do that ; I then asked for them to issue a check in my name for the total amount the was credited and in a positive on XX/XX/2021 and two other occasions as well. The Credit Card in question is the Apple Card a MasterCard managed and owned by Goldman & Sachs in conjunction with XXXX Rights.
I have also contacted the XXXX XXXX for assistance on multiple times with Goldman & Sachs to no avail.
I simply would like to use the funds i have currently of {$760.00} to either pay off one of the installments or that i be issued a check as the credit card company should return any excess payments to the consumer.
|
| 11/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I applied for an Apple Card but was initially denied. I was then offered to start on the path to the Apple Card program through Goldman Sachs. I completed the program and applied for the Apple Card and was accepted. The first time I tried to use the card was in XXXX to make a purchase and it was denied. I contacted the company and the only thing they would tell me is that my account was under a restriction and that someone would be in touch with me. I tried contacting them again a couple of months later and was told the same thing. I looked at my wallet app on the XXXX and it still says the same thing. I remember hearing in the news about a month or so ago that Goldman Sachs is trying to offload the Apple Card to another company. I have read on the internet that a lot of people have had this problem with no resolution ever happening.
|
| 11/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Other advances of future income
|
- Confusing or misleading advertising or marketing
|
|
Web |
Older American |
|
I received a text from a company that called themselves Greensky. they were thanking me for my request for a loan. I hadn't applied for any loan so i ignored it. A few days later I received another text telling me my loan had been approved. Again I ignored it thinking it was some sort of scam. A few days after that I received another text advising me that a comapny called XXXX XXXX XXXX had requested an {$8200.00} payment from my available loan for work they had done for me. I looked up Greensky and found that you had fined them for allowing contractors to take out {>= $1,000,000} in fake loans and were fined XXXX XXXX by the cfpb. Then I decided to send them a text saying that I new about their fine and was filing a complaint with you. When I went to send the text my phone warned me that I might be charge for it so I didn't send it.
|
| 11/18/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I was rejected for a Marcus Goldman Sachs savings account because I am XXXX and their system can't handle this. This is a human rights violation to deny someone a basic service.
I am a XXXX XXXX with a legally updated name. My gender and name are updated with the Social Security Administration. Goldman Sachs categorically rejected my application due to my " personal information '' being inaccurate, without allowing specifics.
I then proceeded to out myself and had to gave the old deadname information. An hour on customer service and they still rejected me. They said they can't verify it through their online system and as an online-only service they must reject me.
I deserve equal access to high-quality savings accounts. Marcus Goldman Sachs needs to allow access for XXXX people by fixing their identity and credit search system.
|
| 07/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
Goldman Sacks, who is administering the Apple Credit Card, took {$480.00} out of my XXXX XXXX checking account on XX/XX/2020 without my authorization. I immediately called them. Customer Service could not explain how this happened and agreed it was a mistake.
As of today XX/XX/2020, the money has not been returned to my account. I have now called them three times asking for a supervisor on the last call. She could not explain what happened but admitted the account was current with a monthly payment of {$49.00}, not {$480.00}.
In addition the phone line was very poor and the English Language ability of the customer service personnel was very poor. I suspect that I was speaking with people who do not speak English as their primary language, they told me they were in Texas.
On the third call I was left on hold for over 15 minutes.
|
| 05/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I initiated a transfer of {$250000.00} from Apple Savings ( through Goldman Sachs ) on XX/XX/2023. The app indicates that it typically takes 1-3 business days to complete ; however, when I called on Friday ( XX/XX/2023 ), I was told that it could take up to 5 business days and that I had no choice but to wait until Monday ( XX/XX/2023 ). I called again on at the end of business on Monday ( XX/XX/2023 ) after still not have received the funds, and this time, I was told I needed to verify my information for them to process. I then did that and was told it would take 1-3 business days. i called again on Wednesday ( XX/XX/2023 ) and have now been told the transfer is still under review.
What is particularly frustrating is that no one seems to have any power to do anything. That is the response from supervisors and specialty operators.
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello, This is the second complaint I have opened.
Shortly after my first complaint was closed, with an unsatisfactory resolution ( XXXX ) Goldman Sachs reopened a credit line without my permission. The account was closed in XXXX of last year and the company is now incorrectly reporting the account as open.
Goldman Sachs is now engaging in malicious, and predatory practices against me in its servicing of debt that it previously stated, *on a recorded line* was resolved and that the account was closed Im asking for help from the CFPB to investigate this matter and bring a resolution.
Goldman Sachs is currently under investigation for it practices in its credit card business, beginning in mid XXXX and that investigation has now expanded in XXXX.
I believe my case to be solid proof of the mishandling of a credit card account and
|
| 10/23/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
These are unauthorized charges that started in the month of XXXX.
I was charged {$590.00} over 3 times first one started on XXXX XXXX XXXX. This has been ongoing for almost a year I have file a police report and I need this matter resolved. Per Goldman Sachs Apple card policy is that the consumer is not responsible for unauthorized charges but yet I am being held responsible for these unauthorized charges that was open on the internet from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have had to close my card several time per Goldman Sachs agents they kept placing the blame on other agents for not filing the complaint properly instead of solving the problem this has continue from XXXXXXXX and still on going I have pay this account completely off over times the problem still not solved.
Goldman Sachs Apple Card Acct # XXXX XXXX XXXX XXXX
|
| 09/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I made a purchase to upgrade seat on XXXX XXXX for {$290.00} on XX/XX/XXXX. This charge appeared twice. I called XXXX and they did not charge twice. I called Apple/Goldman Sachs XXXXhe same day to report the error. It was in dispute until XXXX when XXXX requested more info for DXXXX. I contacted XXXX on XX/XX/XXXX and got copies of receipts for a one time purchase of {$290.00} and sent to Apple/Goldman Sachs in which I was told the dispute was closed and I owed {$290.00}. At that time XXXX found errors and reopened the dispute and sent more info to Goldman Sachs. I was told it would take about 10 days. I called today and was told it was still being worked on. The second {$290.00} is due XX/XX/XXXX. I am unclear why this is taking so long and who is being paid a second {$290.00} when XXXX never charged me. My call was disconnected.
|
| 09/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Marcus refuses to let me use my credit card since I informed them about new cell phone number. They even verified my identity by sending me a code via text and e-mail. I have been calling them every day for the past week and they simply say that someone from a higher up office will be calling me back the next business day and they are unable to verify my identity. I have had this credit card that was purchased from XXXX XXXX bank for over 13 years. They also state that they are unable to help me with the tools they are provided. I asked to be transferred to the department that can help and am told they don't take phone calls but will be calling me back. This never happens even though they promise someone will call back. Very poor customer service and Marcus doesn't give their phone representatives any way to help their customers.
|
| 09/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I have applied for the XXXX Credit card on my XXXX through the XXXX app and have been denied both times because my " identity can not be verified ''. I am using a California Real ID which has XXXX HSA requirements to verify I am who I am.
My Real ID has a PO box and Goldman Sachs will not accept a PO box but does not provide an additional physical address box when applying. I live in a rural area that doesn't not deliver to my physical address which is why all my IDs have PO boxes -- it is the only way I can receive my mail.
I tried calling the XXXX Support and all they say is that a physical address is needed but my ID only has a PO box . Endless circle to nowhere.
My only other Credit Card has an available limit of over 20K so I think I have sufficient good credit history ...
Goldman Sachs and XXXX need to fix this problem.
|
| 03/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
XXXX XX/XX/XXXX, I received an email indicating that my credit card with Apple ( Goldman Sachs ) had been closed because " There was a failure to comply with the terms of the Customer Agreement. '' When I attempted to call to ascertain what terms or conditions I had violated, I was told to read the terms and conditions. I am unsure if I should guess what I purportedly violated.
I have never missed a payment and have always paid promptly. I am uncertain what I could have violated. I did write to them recently to ask for a credit increase ; if there was an answer to shut the account down, I am uncertain how that was in violation.
This also occurred when I had an issue on XX/XX/XXXX where they had been restricted by card without any information.
I want my account to be reinstated. I have not done anything wrong.
Respectfully,
|
| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
At the start of the pandemic in 2020, I was laid off and unable to make credit card payments, car notes, rent, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered the option to defer payments They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work and paid my debt in full.
|
| 08/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American, Servicemember |
|
I assume an installment loan with Greensky LLC. program. The loan had a per Quiter installment history payment plan. I have documents, contracts, and payment plans.
That I agreed to but I am disputing the final payoff and the amount of overpayment They have charged me. To close out the loan, I sent them an additional {$2000.00}. to meet their demands. But My mortgage company sent them a final payoff amount of {$48000.00}. The total loan amount was XXXX.
The loan was approved for XXXX. But I only needed XXXX for the dental implants. But before I used any of the loans. There was an introductory agreement that I pay XXXX for the first 6 months. The first 6 months was based on a XXXX loan. After that was paid, they would recalculate the remaining balance. Here is the below line : XXXX. plus XXXX plus XXXX The loan was only XXXX.
|
| 06/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I was scammed by an XXXX company for a website with the total amount of {$920.00}, after a couple of months waiting for my website I never received what my signed contract said.
Because of that, I started a chargeback with my credit card company Apple Card - Goldman Sachs, and after submitting all my documents with fully evidence of the scam, they decided not to adjust the payment because they just investigated the merchant payment portal that is XXXX and not the merchant behind the transaction ( the XXXX company ).
This is absurd, and its fully of excuses, this was not a proper investigation and I demand this bank to be held accountable for not properly investigate and always be in favor of merchants even if it was a scam.
I will be including some emails from the XXXX company blackmailing me for the refund of this money.
|
| 10/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Problem lowering your monthly payments
|
|
Web |
|
|
APPLE/Goldman Sachs is not sending billing statements except through the mobile wallet.
If you close the card and remove it from the wallet, you can not get a bill.
They did not notify me that i was late for over 30+ days.
They can not find PDF statements from XXXX or XX/XX/2020, only XXXX and XXXX based on phone calls on XX/XX/2020 and XX/XX/2020.
This is affecting my credit report.
This is causing me to get fees and finance charges unbeknownst to me.
None of this is disclosed up front.
I closed the account months ago and paid the outstanding balance so I thought I was done. I closed the account because they would not waive a 1st time late fee for one day late because I didn't hit the final payment button on my phone the prior day.
They can't tell me what day i closed the account. they do not keep good records.
|
| 08/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
CFR 1026.11 ( a ) ( 2 ) states " Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer '' I requested a positive balance of {$7800.00} refund on my XXXX credit card on XX/XX/23 and as of today, XX/XX/23, I have not received it.
On XX/XX/23, I called and confirmed with the representative that the balance can be refunded to my checking account ending in XXXX in 8-10 business days. On XX/XX/23 I called again since it has been past the 8-10 business day window and was told it is still being worked on. On XX/XX/23, the balance was still not refunded. I spoke to a manager and said the case will be escalated and I should expect a communication by end of day XX/XX/23. Today is XX/XX/23 and I still have no received a response nor a refund of my positive balance.
|
| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Goldman Sachs Bank USA responded to a XXXX XXXX XXXX XXXX XXXX XXXX complain not to long ago on XX/XX/2023. I, XXXX XXXX XXXX filed a complaint with XXXX regarding Goldman Sachs Bank USA regarding a fraudulent item on my XXXX Credit Report. According to the response from Goldman Sachs Bank USA, They stated that I was not liable for this account and as of XX/XX/2023 they supposed to have sent a notification to XXXX to have the fraudulent account removed. I have attached proof of message from Goldman Sachs Bank USA regarding their agreement and response to remove this fraudulent account from my credit report, but for some reason, the fraudulent item is still reporting on my credit file. Please advise and remove this Goldman Sachs account from my credit report please. Thanking you in advance for your cooperation.
XXXX XXXX XXXX
|
| 11/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I was recently denied my own credit on XX/XX/22 for an apple card from Goldman Sachs Bank Usa. XXXX XXXX XXXX XXXX which is adverse action under Equal Credit Opportunity Act. I exercised in good faith Pursuant to 15 usc 1691 ( a ) ( 3 ) when I filled out my credit application for an apple card. Pursuant to 15 usc 1602 ( e ) I, the natural person credit is my right. Pursuant to 15 usc 1602 ( f ) I am the original creditor who regularly extends credit. My credit card was used pursuant to 15 usc 1602 ( l ) in this consumer credit transaction which is an open-ended credit plan. Goldman Sachs Bank USA did an unauthorized use of my credit card Pursuant to 15 usc 1602 ( p ) at which I the card holder receive no benefit. I have sent a letter certified mail to Goldman Sachs Usa, XXXX XXXX XXXX XXXX demanding my right to my own credit.
|
| 05/12/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
On XX/XX/2021 there was a fraudulent transaction from XXXX on my apple credit card. I filed a police report and sent them all of the necessary documents. Including a copy of the fraudulent charge. A copy of my statements, a copy of the police report and any additional evidence that I was able to obtain.. this was sent to them on XX/XX/2021 and XX/XX/2021. 3 days after the fraud occurred.. I havent heard anything back from Apple Card services until today. Where they are asking me to resend my evidence.. TWO MONTHS AFTER THE THE FRAUD OCCURED AND 2 months after I already sent them ALLL of the necessary evidence. Apple card services is not handling my dispute properly. They also advised me that they released {$500.00} credit to my card however its on hold.. so they are holding my available credit and not allowing me to spend it.
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I reached out serval times to get a payment arrangement was not offered the help until today how ever I was recently reported as not current after serval failed attempts of trying to pay the minimum. I have communicated an asked them serval times when I was unable to work they told me over the phone they didnt have anything to offer months later I got an email stating they offer payment arrangements. Then I have tried to get a payment arrangement it wasnt until today I have finally made contact to get one finalized XXXX months later. Completely ridiculous no one should have to go through. Horrible communication with this company. After several attempts of being persuaded into keeping my card open I was then put on a payment plan today. All of this could have been avoided if I was given the correct information the first time.
|
| 06/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
This is about the Apple Card and Goldman Sachs Bank. I made a dispute in XXXX and the dispute was overturned in XXXX, but the reason for it being overturned was completely different than the reason I disputed. I disputed the charge because the company didnt honor its return policy, but they overturned the dispute because The merchant provided sufficient evidence that you made the purchase, which was never in dispute. When I tried to get assistance, create a new dispute, or get more details about why it was overturned, their customer service was completely unhelpful. In the dispute email, it said You have the right to see the information used in this investigation. To request a copy, please contact Goldman Sachs Bank USA by chat or phone. They did not provide l that information upon request and I asked multiple times in XXXX.
|
| 10/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I waited over 1 year to request a line increase on my Apple Credit Card, last requested increase was XX/XX/XXXX. Payment was made on XX/XX/XXXXXXXX to Apple Credit Card. Payment applied on XX/XX/XXXXXXXX and funds left checking account on XX/XX/XXXX. Credit Card was paid off in its entirety. Credit Line increase was requested on XX/XX/XXXXXXXX to help raise credit score and credit line. Line increase was declined due to previous payment not being a " significant portion '' of loan balance per Goldman Sachs. Card was paid to {$0.00}. Supervisor named XXXX advised myself that the payment was delayed on Goldman 's side. Payment was then applied on XX/XX/XXXXXXXX on Goldman 's end, manually by XXXX. XXXX advised decision is final and can not be updated, I need to wait an additional 180 days for another credit line increase.
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
Someone opened a credit card using my identity back in XX/XX/2023. The card was for XXXX XXXX and issued by General Motors. I filed a dispute online with all 3 credit bureaus back in XXXX once I saw the fraudulent account. After they investigated, they reflected the card was closed by grantor. Now, they my credit score is tanking because they're reporting that I'm 60 days late on payment for it! I did not initiate application for that card whatsoever! How can my credit be ruined by a closed account that wasn't mine in the first place?! My scores were in the low XXXX 's! Now their in the XXXX 's! Please look into this as it's killing my excellent credit. I'm XXXX XXXX XXXX and have excellent credit. I want the bureaus to restore my reports to what they were prior to the reporting of that fraudulent account. Thank you kindly.
|
| 04/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I made a dispute to apple card about a transaction that was made in XX/XX/ for XXXX, instead of apple card returning the funds to my available amount they removed it from my limit which is 2 violation of the truth in lending Act Stating : Mission Consumer Protection Law 15 U.S.C. 1666-1666XXXX XXXX http : XXXX This Act, amending the Truth in Lending Act, requires prompt written acknowledgment of consumer billing complaints and investigation of billing errors by creditors. The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed, and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's account.
|
| 06/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I applied for an Apple Card under my phone XXXX XXXX XXXX and was denied It never provided a reason, it just said that I was ineligible. The exact same same day I applied with my business phone, different XXXX XXXX and different phone number and was approved. I wanted to switch XXXX XXXXs because I condensed phones and now only have one. I called the customer service number and was told that if I wanted to switch phones with my card that I would have to close the one account, where they have already ran credit and caused an inquiry, and open another which would result in another inquiry. The excuse that I Received first was that my info could not be verified. I uploaded my id, front and back and was approved. Nobody seems to know what is going on at XXXX or Goldman Sachs and the customer service number is of no help at all.
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Received negative XXXX credit report on a delinquent Apple Card Acct from Goldman Sachs in early XXXX Never applied for the card. Disputed the acct with XXXX as fraudulent. XXXX investigated my claims with Goldman Sachs and emailed me the results of the dispute around XX/XX/XXXX. They stated that the information that Goldman Sachs provided to them was accurate and if I wanted to further dispute it I need to contact them directly. On XXXX XXXX spoke to customer representative from Goldman Sachs, gave her my correct name, address, dob, and ss #. She stated she could not find an acct in my name with the info I gave her. Could not tell me why it still showed up on my credit report. Says she will look into it further but in the mean time I should file a fraud report with the police and with fraud alert. gov and send them a copy
|
| 09/23/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I tried checking my account the date of XX/XX/ to realize the company had locked my account and I needed to call to get it resolved. I had about {$5300.00} and since it was being saved for my XXXX XXXX I was upset and worried about what would happen to that money. I called that same day XXXX and was told that my account was closed for reasons they could not explain to me and was told that I would receive a letter explaining why in about 7-10 business days. I asked about the funds that were in my account and how I would be able to get it back, representative told me I would get a check around 7-10 business days as well. It has been past that time frame I am extremely disappointed due to the fact that there was no communication whatsoever and I only had this account open for about a month until it was closed for no reason.
|
| 09/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
I ordered XXXX from XXXX, using their app, which is tied to my XXXX.
My family moved in XXXX, and I updated my address in every XXXX system I could locate.
The order went to my old address, regardless.
I have spent days working with their customer service teams, which are " chat '' based, trying to remedy the situation by a ) correcting the address, and b ) sending me a replacement.
The XXXX customer service representatives, which in the past have been excellent, have not remedied either situation, and seem to be leaving me at a dead end.
I have requested escalation to a manager, multiple times, and keep getting strange chat responses, like unrelated recommendations, etc.
I feel like I am being ignored and there is no accountability from XXXXXXXX XXXX side.
NOTE : A transcript of the chat series is attached.
|
| 09/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Servicemember |
|
I applied for the Apple Credit Card on XX/XX/2022 and was instantly denied. I asked " Why '' and a customer service rep by the name of XXXX ( XX/XX/2022 ) would only say credit ( incredibly rude ). I attempted to explain my $ XXXX per year income, my $ XXXX savings and for Apple to articulate the risk. They would only say " Please dispute with XXXX ''. Since the Apple card had a reputation for being discriminatory towards minorities and women, I tried to escalate the case to a Senior Manager, however I was met with the most unprofessional attitude I have ever encountered on the phone, no clarification as to way or a way to dispute with Apple/Goldman Sachs themselves on their incredibly XXXX and narrow decision. This is the second time I have received a denial but I was approved for a XXXX XXXX and XXXX XXXX two weeks ago.
|
| 08/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I made a payment full payment on XX/XX/22 on my balance for {$1800.00} to my Apple Card managed by Goldman Sachs.
On XX/XX/22 Goldman Sachs reported to the credit bureau XXXX that I had a balance of {$1400.00} when I actually have a balance of {$190.00} resulting in a XXXX point drop in my credit score.
This has been an ongoing problem with my Apple Card and Goldman Sachs. Delayed reporting resulting in a lower credit score. I am also in the process of securing a loan and this greatly affects me and my loan process.
Goldman Sachs customer service and support is of no help and provides no immediate remedy to the credit reporting process. They are the absolute worst financial institution I have ever dealt with.
I am at the point where I need to document this in preparation for litigation. Hence my complaint to you.
|
| 02/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
Older American |
|
I had an Apple Credit Card in my name in good standing, but a fraudster called them and requested a physical card in my name even though current one I had wasnt expiring till XXXX card was delivered in my name at location in XXXX, XXXX got XXXX from UPS your card is delivered on XX/XX/2023 at XXXX. When I tracked the number I saw the above address. I called the card service and asked them to freeze the card. They did that and gave me the new XXXX number. A week later I got an email from Apple Card that your address is updated. Again I did not request a change of address. I looked at my virtual card profile, it was changed to another address in XXXX of XXXX XXXX without me asking for it.
I had to cancel the card. I am wondering about Apple Card security. How easily they would change addresses without vetting the caller.
|
| 11/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a letter form Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank requesting money from me. I responded and sent Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank a Notice to Validate the debt claimed that I owe.
Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank ignored my requests to validate their account on XX/XX/2020.
Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank received 3 notices to 3 different addresses via certified mail.
Marcus By Goldman Sachs, Goldman Sachs Bank USA, and XXXX XXXX Bank failed to provide proof of contracts explaining why they feel like I owe them anything.
This account has been updated each month with the 3 major bureaus and has not been validated This account has been charged off 28 times.
|
| 12/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/23 I first arrived at a hotel I booked for my family in XXXX. The name is XXXX, but it was a XXXX The way the receptionist greeted us was rude. I asked for an upgrade option, but he laughed and answered in a XXXX manner that we need to contact who ever we booked with. The rooms have no bathroom inside. The shared bathroom and restroom are dirty and no gender separation. We came back down and asked for a refund. Again, the receptionist told us to contact the site we booked with. We contacted the site, which is XXXX. They said we need to stay 1 day, and they will contact again tomorrow. After laying om the bed for a while, I got bed bug onto my arms and back. I decided to book another hotels and moved immediately. Now Im asking for a full refund. They didnt. So I disputed with my bank. The dispute also got denied.
|
| 07/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
We bought an above ground pool for a merchant who used Greensky Finanacial. The pool has never worked, and my husband and I have replaced every system in the pool except the shell. We have had to replace the filter system, 2 liners... etc. I have contacted Greensky because we want to stop payment on the loan. We are basically paying for 2 pools, and we have only used the pool for XXXX a summer since we got it in 2020. I called to make a compliant at least 5 times with Greensky to help with a resolution. I have only been called back by a so-called specialist once. They are useless and I am pretty sure they are doing nothing to help. It was a {$15000.00} and we have a balance of {$7000.00}. We would like to stop payment on a lemon of a product. Please let consumers know how terrible Greensky is and to not ever use them.
|
| 02/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Hello, I was calling a lot to this company " Marcus by Goldman Sachs '' ( XXXX XXXX ) since opened the Savings account.
I told the lady who answered my first call with very bad mood that she should be well educated first on how to response a customer. I felt offended as I am not a native person speaking XXXX.
So I tried to close the Savings account and get returned my money back.
They stopped twice and told me that it was a fraudulent activity from my side and block the online access.
I received emails saying that my XXXX account was closed and I never received any other information regarding where is my money. ( over {$10000.00} ) I called so many time and they denied my on-line access even I told them they are doing such illegal thing to me.
Should I be treated like this because just I am an XXXX XXXX XXXX XXXX
|
| 02/10/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
On several occasions ( at least 3 times over last 6 months ), I've called Marcus Bank by Goldman Sachs about receiving bank statements at my mailing address even though I'm setup for online / paperless delivery. They keep sending paper statements to my address but I'm not always home and there have been issues with my mail being access by external people. In fact, I know of one instance where my statement was opened by someone else ( PRIVACY EVENT ). I'm currently logged into my account and the delivery method is " Electronic '' but I'm still getting paper communication ( see attached screenshot ). They don't seem to care ... I've called so many times and even asked to pass my issue over to their Complaints team but no one calls me back and handles my situation. There is something wrong with their system. PLEASE HELP!
|
| 03/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Goldman Sachs Apple Card has a sad history of ignoring and making it impossible to resolve disputes and frauds. Additionally, their dispute 'process ' is a fake scam where they do everything electronically EXCEPT they require people to print and snail mail documents for disputes placing an unfair, undue and discriminatory burden/roadblock for handling legitimate credit card disputes. Most people, especially lower income people, don't even own printers anymore and/or can not meet Goldman Sachs Apple Card ridiculous timelines. To add insult to injury, after sending numerous documents to Goldman Sachs Apple Card and following up with them, they just claim that they never received them.
Goldman Sachs Apple Card has an ugly history of abusing consumers.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX https : XXXX XXXX XXXX XXXXXXXX
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing to request the removal of inaccurate late payment information on my XXXX, XXXX and XXXX credit report. Up until this recent account issue, l 've had no missed payments with with the Goldman Sachs Apple Credit Card firm since my credit card was first originated or ever in my credit history lifetime.
I recently pulled my credit report with XXXX, XXXX, and XXXX and discovered I now have a XX/XX/2023 missed payment reporting on my Goldman Sachs Apple credit card account ( Goldman Sachs is the underwriter ).
My XX/XX/2023 XXXX credit card statement states a payment was due by XXXX XXXX, as shown in the attached page of my statement. On XXXX XXXX, a payment for the minimum balance, {$440.00} was made, as shown in the attached photo.
Thus making my missed XX/XX/2023 Apple credit card payment inaccurate.
|
| 09/23/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
Ive been trying to get this issue resolved for a while. The incident was previously given the number XXXX XXXX XXXX XXXX XXXX The XXXX system was hacked and the banking information was changed to a personal account with Marcus at Goldman Sachs. I have contacted Marcus at Goldman Sachs and I spoke to a representative that said the person the payments were transferred to is XXXX XXXX, Bank Routing number, XXXX, Account number ending in XXXX. The full account number can be given if needed. I have not received any additional updates from Marcus at Goldman Sachs about fixing the fraudulent transfers and correcting the error.
Below are the payments that I did not receive from nightly transfers from our POS system : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Cardholder closed account in XXXX. In XXXX, cardholder was notified of an outstanding bill comprised of charges post account closure. Cardholder repeatedly requested an itemized bill be mailed to verify charges and that never happened. It took four months to identify the charges that were approved by GS Apple Card after cardholder canceled the account. Cardholder ultimately paid the outstanding bill that was comprised of unauthorized charges because account was closed. Cardholder did not approve charges nor thought there would be charges on a closed account. No other established credit card company would authorize charges on a closed account ; rather they would assist the cardholder/customer on the issue. Further, Goldman Sachs/Apple Card has made it a priority to damage this cardholders otherwise exemplary credit.
|
| 11/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
An Affidavit of Fact and Cease and desist notice has been sent to Marcus by Goldman Sachs their correspondence address for debt verification/validation request on XX/XX/XXXX to provide proof of a debt allegedly owed. The account in question was first initiated by my personal/private identification and credit card information ( truth in lending act ). My household partner XXXX XXXX and I have made payments on this account for 12 months straight beforehand, upon fruther investigation billing errors were found including but not limited to Marcus by Goldman Sachs failing to provide me with General Disclosures which are requirements and is a violation ( among others ) by the Code of Federal Regualtions. There must be further investigation of this matter and will continue to seek relief to peacefully resolve this matter.
|
| 10/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/XXXX for my Apple Card account.
I want you to know that I understand, and have great respect for my financial obligations.
Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my XXXX that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.
Thank you for your consideration.
Have a blessed day!
|
| 09/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I paid off half of my Apple Card on XX/XX/XXXX and the other half on XX/XX/XXXX. Its now XX/XX/XXXX and the available credit is not available. I have requested that Goldman release the funds but they refuse to comply and refuse to get me someone who will. They state it takes extra time to validate my payment but I have called my bank. They state that my payments are not able to be reversed because the money is already with Goldman. So they have the money in their account and are punishing me for extra time because Ive had returned payments in the past. They said the only thing they can do is have me apply for a limit increase which was denied because of returned payments in the past. Looking at the Apple Card payments on my XXXX, the status of the payments show completed for both but Goldman refuses to release it.
|
| 06/24/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
This is the third CFPB complaint I have had to file against Marcus by Goldman Sachs. You keep closing the CFPB complaint but never resolve the issue.
We have gone ahead and filed all information that you have requested.
You have transferred our funds to XXXX XXXX.
I have had to call multiple times. And finally was given the following account number to use to sign up for XXXX XXXX account XXXX.
This account number is not valid.
Marcus by Goldman Sachs is financially damaging the Estate by not allowing us access to our funds.
We will keep opening complaints until this issue is resolved. Just because you say " it's resolved '' does not mean it actually is. Stop wasting the CFPB 's time and the Estate 's time.
We have also requested that a date of death valuation be given to us, this has not been provided.
|
| 12/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I've applied for an Apple Card provided by Goldman Sachs, multiples times, but each time I've applied ( through the XXXX XXXX app on my XXXX ), I've been denied. On a constant basis, I get e-mails and ads from XXXX suggesting the I apply for an Apple Card. Each time that I launch the XXXX XXXX app on my phone, a message pops up to suggest that I apply for the Apple Card. These ads pop up all over my XXXX whenever I attempt to complete a financial transaction or use the wallet.
I shouldn't be bombarded with these ads from Goldman Sachs in reference to the Apple Card if they are not going to actually give me the card. Because this company is partnered with Apple for this venture, I shouldn't have to keep getting these constant ads for something they are not allowing me to have, each time I use an app on my phone.
|
| 08/26/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Around XX/XX/2020 Goldman XXXX Bank ( GS Bank ) detected fraudulent activity on my savings acct. On XX/XX/2020 I was sent the attached notice that the funds subject to the fraud had been recovered. Since then I have attempted to access my account but am told by GS Bank that the account is locked.
On XX/XX/2020, I sent GS Bank the attached letter requesting that my account be closed and a check along with an accounting be sent to me. Since XX/XX/2020, GS Bank has called me twice - I returned each call and each time was on hold for an extended period of time. The first time I was told the check and accounting were on the way. The second time after holding for quite a while I was told that they would call me back.. they never did.
It has been over 4 months and I can not access or get an accounting of my deposit.
|
| 05/12/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/23 I requested Marcus Bank ( Goldman Sachs ) to wire transfer {$250000.00} to an external bank XXXX XXXX. My account allows 6 external transfers per month and I have not made any external transfers this month. About XXXX hours later I received a call from Marcus and I was told that they would not wire that $ XXXX because I was supposed to be saving that money in their bank and not transferring it. ( Im not making this up ) They then said I would need to transfer all my savings back to the banks that I used to credit my Marcus account. They said I must transfer {$43000.00} back to XXXX bank, {$1800.00} back to Bask bank and {$200000.00} to XXXX XXXX. Marcus continues to hold {$250000.00} in my fully funded account. I have no idea what the are doing and the actions of Marcus bank are not making any sense.
|
| 10/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On XX/XX/2020 I purchased an Apple XXXX XXXX online through XXXX XXXX and paid using a newly issued Apple Card ( Goldman Sachs ). On XX/XX/XXXX, the XXXX XXXX was returned to the XXXX XXXX for a full refund - and I received proof of full refund from XXXX XXXX for the phone, XXXX XXXX monthly subscription, taxes and fees for a total refund of {$540.00} that was supposedly credited back to my Apple Card according to XXXX XXXX. To date, Apple Card ( Goldman Sachs ) continues to illegally charge me monthly installments of $ XXXX/month for the iphone, apple care and taxes despite my repeated formal requests to dispute these charges. Apple Card has failed to honor the dispute or recognized the full refund credited back to my Apple Card on XX/XX/XXXX. XXXX XXXX has also failed to assist with rectifying this situation.
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I noticed a company called Apple Card was reporting a negative remark on my credit report. Enclosed I am submitting pictures of the letter I sent them certified mail requesting validation of the debt. I mailed this letter out XX/XX/XXXX certified mail. Today is XX/XX/XXXX. I feel they have had more than enough time to complete an investigation which they have not. They are reporting to the 3 credit agencies different and inaccurate information to each one without even providing me with validation of the debt. Enclosed you will also find a picture of my credit report from XX/XX/XXXX which was more than 30 days after they received my letter to correct their records and validate the debt with the company Apple Card still reporting different information to 3 credit reporting agencies without validation of the debt.
|
| 09/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Hello, I initiated a payment to this card company, using their app and my bank information. A day or so later I called in to cancel this payment because I had used the wrong bank information. I was notified that my bank union would be mailing a check directly to them on my behalf which is why I canceled that payment. My balance at the time before I had initiated any payments was XXXX. Goldman Sachs says ( on multiple calls ) that have indeed received the check, and it has posted. The problem is my balance is now XXXX. Goldman Sachs is saying that when they reversed my payment that I had initiated, it doubled my balance. Clearly this is a mistake, my balance should only be {$22.00}. Please help, Ive done multiple disputes and all come back with the same answer, that my balance is doubled and that that is right.
|
| 11/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Hello, My Apple/Goldman Sachs Mastercard account was hacked last week. The perpetrators got into my Apple Wallet and started using my cards. I was contacted by Apple/Goldman Sachs , the gentleman 's name was XXXX XXXX XXXX who said they had to investigate the situation. They blocked the transactions and said it would take a few hours to rectify. Its been now 5 days and all they can tell me is that they are investigating and it will take more time. They says they will call me back at the end of the day and never do. Since then they have locked me out of all my XXXX accounts. They have not been helpful in anyway. I can not get to my email and so I contacted Apple who said they could not help in this situation. I am extremely frustrated at the poor communication and service by the Goldman Sachs credit card unit.
|
| 04/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
On XXXX XXXX, I noticed that my recent Apple Card transactions did not appear in my Apple Wallet as they normally do. The most recent transactions I was able to view were from XX/XX/2023. Transaction history does not appear online, nor anywhere else except Apple Wallet, yet I am still being prompted for payment, I can charge to the card, and interest accrues. I can do everything except see my transaction history. When I contacted Apple Support, they mandated that I have to update to the most recent XXXX in order to view an accurate transaction history.
Transaction history should be viewable on the web AND the app, and users should not have to update to the most recent XXXX for simple functionality. I was never informed in the TOS nor by Apple that this was a requirement to view my own transaction history.
|
| 12/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
I XXXX XXXX hereby make a claim against Goldman Sachs Bank for the multiple errors I have found in my balance statement over the past two months. I am confident that I have been overcharged and request a full investigation into this matter. I request to be informed of any fees or penalties assessed as a result of the errors in my account, as well as a detailed report of any other charges made during the same period.
I would also like to request all relevant documents and communications associated with my account during this period of time.
Finally, I request that if the investigation reveals errors on behalf of Goldman Sachs Bank that corrective measures be taken and compensation provided for any losses incurred due to those errors.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
|
| 08/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Marcus Bank is commiting fraud.
Despite storing a down payment on a home for several months earning their acclaimed high interest rates, when it came time to purchase a home they took 2 business days of persistent phone calls to ultimately reject the wire transfer without a reason citing policy of " case by case '' as justification.
Money that was deposited to the bank, money that was marked available for several months, was inaccessible at a critical time of need. The phone operators were unable to help because the structure of the company prohibited them from understanding the rejection, prohibited them from contacting the right person, and ultimately made each person who I can talk to repeat the same line of being unable to help get the money I left with the bank.
Marcus Bank is commiting fraud.
|
| 05/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
Tips left at multiple restaurants are not showing up on my Apple Card ( XXXX ).
I've used the card at 6 or more different restaurants in different cities and provided a tip in each case. The tip does not show up on my bill. The restaurant/waiter is being defrauded likely due to a processing error in the system they use. Other credit cards work fine.
I've spent hours communicating with Goldman Sachs about this problem with no success. Despite a double escalation, they blame it on the restaurants. Clearly, since it's multiple restaurants this is not the case. They have refused to accept this problem or investigate it. They're innocent, I'm innocent, but the waiter or restaurant is being screwed.
I'm guessing the problem is with the XXXX processing system, but I really have no idea, it's only a guess.
|
| 05/01/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On 2 separate occasions I instituted an online transfer of funds from this account to another external account. The external account is with bank where the funds in the savings account in question were received from and had been confirmed previously. On both of these occasions, the transfer was canceled by the bank, no notification was received letting me know the transfer was canceled, and I only learned of the cancelation when logging onto the account after funds should have arrived. The date of the cancelation is back dated on their website, showing up after other times I've logged in to track the transfer. I was not notified in any other way that these funds would not be received, and needed to spend close to an hour on each occasion dealing with online & phone customer support to get problem sorted.
|
| 10/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I have been back and forth with APPLE GOLDMAN SACHS for over 1 year now. I submitted my disputes 3 different times. XX/XX/2021 I sent out letters to APPLE GOLDMAN SACHS in regards to items being charged to my account that are not my doing. They refunded me for some items and charged me for other items. MIND YOU THESE ARE ALL THE SAME TRANSACTIONS. I'm familiar with deceptive practices but this is too much! I am a single father and I work 12-13 hour days. HOW CAN THEY REFUND ME FOR THE SAME EXACT ITEM AND CHARGE ME FOR THE NEXT EXACT ITEM???
They even closed my account and now are making me pay {$42000.00} worth of charges I DID NOT CONSENT TO NOR HAVE KNOWLEDGE OF! Its clear as day this is a deceptive practice. How can you refund some and charge the rest when its all the same transactions!
Please help!
|
| 04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
At the start of the pandemic in XX/XX/2020, I was laid off and unable to make credit card payments, car notes, rent, etc. I also contracted covid and tested positive. I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered that option. They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work.
|
| 06/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
I submitted my first complaint XXXX on XX/XX/2021 because I was wrongfully denied for the Apple Card by Goldman Sachs due to a reason given that I had recently experienced a charge off. I spoken with XXXX and they verified that there was no recently experienced charge off. I submitted a second complaint XXXX on XX/XX/2021 about a similar problem with applying because I was still being given the same reason of denial which the last date of denial was XX/XX/2021. I was given a response to my complaint on XX/XX/2021 that the bank only allows a certain amount of applications within 30 days. I was told by the Apple Card Specialist Manager that I had to wait 30 days from the date of my last application to reapply via a phone conversation. Now it is XX/XX/2021 ( after 30 days ) and I am still not able to apply.
|
| 11/05/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2022, I have been notified by my sister XXXX XXXX that she transferred XXXX XXXX USD to my account at Goldman Sachs Bank USA. The funds had not arrived in due time ( 1-3 business days ), so I started to contact Goldman Sachs to check the status of the transfer.
On XX/XX/2022, I have received an email from Goldman Sachs employee XXXX XXXX saying that she is " working with internal teams to have the funds kicked back to me ''. Email attached.
Today is XX/XX/2022, and I still don't see the funds on my account, not on my sister 's account.
Here is the XXXX tracking code : XXXX : XXXX.
Please make Goldman Sachs transfer XXXX XXXX USD to my account : XXXX : XXXX XXXX Account number : XXXX Routing : XXXX XXXX : XXXX or transfer the XXXX XXXX USD back to my sister 's account at XXXX XXXX XXXX
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
As of this day Goldman Sachs Bank USA remains unjustified on my credit report..In XXXX I file a FTC Identity theft report and police report and account was removed..However, as of XX/XX/XXXX it has reappeared on my credit report after 4 years..I contacted the 3 credit reporting agencies XXXX, XXXX, and XXXX was told this company reinserted there name on my credit file in the amount of XXXXThis company continues to violate the Fair Credit Reporting Act and the fair debt collection practices Act related to Identity fraud..I have provided all necessary documents to clear my name back in XXXX and this account was deleted..Now it has been reinserted after 4 years..I am reaching out to the CFPB to protect me as a consumer from creditors such as Goldman Sachs who violate federal law without any repercussion..
|
| 04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
Our XXXX XXXX XXXX changed banks. There have been two issues of someone trying to steal our identity during the changeover. The new bank, Marcus Goldman, is of no help. They can not seem to do anything right. I closed down the account immediately and the fraudulent charges were stopped in time. However, I discovered through my XXXX XXXX that Marcus Goldman reported to the credit bureaus that my address had changed. I spoke with XXXX ( where the change alerted XXXX XXXX ) and got my credit account and information frozen. However, this fraudulent address is now showing on my credit report. It is not my address. I have not moved. This person apparently tried to have my address changed. Marcus Goldman will not help me fix this. I want this fraudulent address erased from my credit report. How do I do this?
|
| 08/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I filled for Bankrupcy in XXXX of XXXX. This company continued to try to collect the debt during the bankrupcy even after being contact by my lawyer and being served by the court at least 5 times. After the Debt was discharged I filed a complaint the credit agencies provided the petition for bankrucy as well as the Discharge that was granted.
On XX/XX/2023 Marcus by Goldman Sachs responded electronicky and in writting the I still owe the Debt, which is a Violation of the United Stated Bankrupcy Protection act. And that they are going to continue reporting it to the credit agencies.
I, My lawyer, or the court have not given them the bankrupcy papers atleast 6 times. 2 times now post discharge. this complaint with the 3rd time post bankrupcy they have been provided the court documents of discharge.
|
| 01/20/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I initiated a wire transfer for {$110000.00} from a savings account with XXXX by Goldman Sachs to credit my checking account at XXXX XXXX Bank. The request to initiate the wire was made at XXXX on XXXX XXXX. I called for a status update at XXXX and was told the wire was being processed. At XXXX pm the wire had not credited my checking account and when I called for a third status update I was informed the client support system was offline and my transaction could not be reviewed. At XXXX pm I called again and was told the wire was still being processed but no update could be provided. No answers outside of the wire is being processed have been provided and XXXX refuses to explain the delay. This is not a first time wire and multiple have been sent between these accounts, both in my name, in the past.
|
| 01/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
I opened an Apple credit card and used it for a few purchases. I needed to pay the bill Of {$87.00} and contacted them to make a payment over the phone by check. I paid the balance on XX/XX/19 over the phone by check.
I received a letter demanding payment again for the same bill, this time with an added amount of interest, {$2.00}. I contacted them again by phone and agreed to send a paper check via U.S. Postal service, which I did for {$87.00} on XX/XX/19 ( # XXXX ).
I received another bill via USPS demanding payment of interest on top of Interest, the new amount is {$2.00}. I have tried to resolve this matter via phone to no avail.
I do not owe this money. I appreciate any assistance you may provide. This is a Predatory tactic by a large bank which has engaged in unfair and deceptive practices.
|
| 12/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
When my GM Card transferred over to Marcus by Goldman Sachs, I received a new credit card agreement, so I looked up the associate reward program rules. The agreement says nothing about rewards expiring, and the program rules say they do not expire on an active account ( which mine is ). On my latest statement, rewards expired. When I called the help line, the rep says it is a " XXXX '' card, and is under a different set of rules. I ask to see the rules, and they are not available online, and they would have to dig up some rules based on the XXXX XXXX version of the card. I received a new set of rules with the new card, so why should the old rules apply?
{$230.00} of points expired on my XXXX statement, and it says another {$220.00} will expire next month!
I just want to keep my points.
Thanks
|
| 06/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XXXX XXXX XXXX I was traveling across the country alone, I was in Arizona this particular night when i used an app on my apple XXXX called XXXX XXXX I booked a room at XXXX XXXX. My Apple/Goldman Sacs card was immediately charged which I did not use throughout my travels, I used my XXXX XXXX XXXX I did not like the unprofessional man in the lobby or the other man lurking. I immediately cancelled the reservation and left. I went to a XXXX XXXX XXXX XXXX and stayed. I've provided Apple credit card/Goldman Sacs all of the receipts for nearly one year. They refuse to remove the charge that happens every month, in which I dispute the charge and the whole thing just regenerates each month. I will NOT pay this fraudulent charge. I did not stay in the hotel, XXXX XXXX has no record of me nor does XXXX.
|
| 11/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I am XXXX XXXX and I am submitting this complaint myself there is no third party involved.
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by Apple Card XXXX XXXX XXXX XXXX I was notified of this transgression of my rights specifically XXXX XXXX XXXX The Truth in Lending Act by Apple Card XXXX XXXX XXXX XXXX XXXX XXXX via XXXX mail. According to XXXX XXXX XXXX definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by Apple Card XXXX XXXX XXXX adverse action taken against me, denying my rights of which the civil damages pursuant to XXXX XXXX XXXX XXXX a ) ( 2 ) ( A ) ( XXXX ) are up to ( {$5000.00} ) Apple Card via XXXX XXXX is now civilly liable to pay me for the damages.
|
| 02/18/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Over the past seven years there have been two foreclosure lawsuits against me for a property that I did not own related to mortgage agreements that were erroneously and fraudulently processed. The first lawsuit by XXXX was dismissed years ago after I spend a great deal of money in legal fees on representation. In XX/XX/2014 I received another lawsuit from XXXX ( the debt then has been sold to MTGLQ Investors L.P. ). I contested this lawsuit again and received notice from the Judge that I am not responsible for the debt. I continue to be harassed for payment of a debt that the Court has said I am not obligated to pay. I do not own the property named in the foreclosure action, I do not live there and I did not have the capacity to enter into a mortgage agreement that was obviously processed in error.
|
| 05/16/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2023, I requested to withdraw {$65000.00} from my XXXX XXXX account, run by Goldman Sachs. After seven business days as of today, this transaction is not yet complete and it's unclear Goldman Sachs has even started processing this transaction. I've been told by Goldman Sachs support that this transaction is " in the queue '' and that there's nothing I can do but wait more time. Their product experience says this transaction should take 1-3 business days, their support says 5 business days and we're now past that. They can not explain why this is being delayed nor how long it will take. I need to have access to my funds. I think this is inappropriate and Goldman Sachs is withholding my money from me. I have been calling Goldman Sachs every day since the third business day after my request.
|
| 11/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2022 I spoke to a Collection specialist about my account. I made them aware that as a result of covid I lost my business and had no income. The only way they could help me was by setting up a payment plan with a minimum of XXXX per month. This would protect me from late fees, interest charges and a negative credit score impact. This company has not followed thru. They continue to falsely report my account with no payment since XXXX. This is hurting my credit score more than having a collection on file. XXXX refuses to help me clear this up and is taking my payments without acting on what was promised. I have contacted apple 13 times with no success. This company is taking my money but still claiming I have not made a payment.They took my money today and still ; threatened me an hour later
|
| 11/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I was visiting XXXX, XXXX from XX/XX/XXXX to XX/XX/2023.
The fraudulent transactions occurred on my Apple Pay in the early morning hours on XX/XX/2023 at XXXX XXXX XXXXXXXX. Total five transactions occurred through Apple Pay : XX/XX/2023 : {$6500.00} XX/XX/2023 : {$6000.00} XX/XX/2023 : {$4800.00} XX/XX/2023 : {$6000.00} XX/XX/2023 : XXXX I disputed the transactions same day ( XX/XX/XXXX ) in the evening via Text messages XXXX XXXX XXXX ) with Apple Pay in XXXX, XXXX. Apple Pay could not reach to me other than text messages option in XXXX, XXXX. I did not authorize, purchase or sign on anything and Apple Pay opened the dispute claim. Apple Pay did not verify with me via text under advance theft protection and denied the dispute without sharing any evidence of my authorization, sign the receipts.
|
| 08/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
On XX/XX/2020, MTGLQ Investors, L.P. foreclosed on a loan with XXXX XXXX for a property at XXXX XXXX XXXX, XXXX, MS , XXXX. It appears that they used a servicer, XXXX XXXX XXXX, to do so as XXXX 's phone number was listed on the legal paperwork. Internet searches indicate that MTGLQ Investors, L.P. is an entity controlled by Goldman Sachs. Since foreclosure, MTGLQ has not maintained the property, and it is currently an abandoned eyesore with vagrants, drug users, and other issues emanating from it. I have tried to reach out in any way I can to this company to beg them to either sell it to me, list it with a realtor, ANYTHING, but they have clearly abandoned it over the past three years. This is leading to a severely detrimental effect on our neighborhood, and I am hopeful that the CFPB can help.
|
| 09/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX a {$4000.00} check was mailed to Goldman Sachs Apple. The financial institution confirmed it cleared on XX/XX/XXXX. On XX/XX/XXXX the payment was reversed which lead to my first phone call. For the next couple of months I called at least 1x a week because the funds were not applied to my account NOR sent back to me. Multiple times I was told someone would get back to me that week and NEVER did. On XX/XX/XXXX I received an email that an error was had on their side and my check had been applied. I confirmed via phone that they would correct anything reported to the credit union as late during that time. They confirmed there were no late payments because they lost my check so I did not have my {$4000.00} nor was it applied. My credit report has not been updated to reflect their error.
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My personal delicate information is being reported to unauthorized third parties without my consent. I have not provided written instructions on how to display my personal information which is a violation of my privacy. I DO NOT want my personal information such as my payment history and balance reported to any credit reporting agency. I know my rights and you are in violation of them and if this information is not removed I will proceed with legal action for the violations and I will receive compensation for my time, legal fees and the violations. Remove the highest balance payment history and the balance history, as this is my private information that you are not authorized to give to any third party without my consent and instructions. Remove Immediately.
Account # XXXX Thank you XXXX XXXX
|
| 03/25/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I enrolled in a Marcus Bank ( by Goldman Sachs ) promotion on XX/XX/XXXX that, depositing {$10000.00} into my online savings account for 90 days and getting a {$100.00} bonus. I originally had {$5000.00} in that account before the new deposit and had set up a recurring transfer the {$5000.00} out and in to keep the account active. I never withdraw the {$10000.00} new money that I deposited on XX/XX/XXXX, and my account balance never fell below {$10000.00}. However, today the Marcus Bank representative told me because I moved the original {$5000.00} ( that's not related to the {$10000.00} new money ) in and out, I lost the promotion. That's unfair because I never touched the {$10000.00} new fund, I only moved the {$5000.00} that's already been in the account long before the new deposit happened.
|
| 11/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
On XX/XX/19 I received a refund for a purchase. I had a positive balance on the card, in my favor.
On XX/XX/19 I made a call, hoping to get the positive balance sent to me in check form. The gal I spoke with told me that they could to a direct transfer to the checking account linked to the credit card account. She said this would happen in 7 days.
XX/XX/19 I made another call because the balance transfer to my checking account still had not happened.
I was told it was pending, and it should be complete by XX/XX/19.
I called again on XX/XX/19. This time, I was told it was in the process, but they could not give me a time by which this would happen. I had to simply wait, and they would contact me via e-mail or text when it had occurred. Basically saying, don't bother us about this anymore.
|
| 07/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
This is a follow up from complaints XXXX, XXXX, and XXXX. Per Goldman Sachs reply to the last complaint, they believe they have fixed my account by backdating the payment to reflect the correct date and refunding all of my interest, which they have indeed appeared to have done.
Unfortunately, it seems that in the process of making those changes to my account that they have messed up a promotional purchase offer from the Apple Store. This purchase was made in XX/XX/2022, for {$790.00}, to be paid at 0 % APR over two years, with monthly installments of {$33.00}. On my most recent statement this balance now shows as paid off and my total due is {$950.00}. This is incorrect. There should be a remaining promotional balance of {$590.00} and my " pay in full '' amount for XXXX should be {$350.00}.
|
| 04/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2022 I purchased two tickets for the XXXX XXXX football game to be played on XX/XX/2022. I used my Goldman Sachs XXXX ( XXXX ) XXXX. My order number was XXXX. The purchase was made with XXXX. I received the two tickets.
However, I was charged twice. The amounts were {$560.00} and {$540.00}. I have attempted to resolve this with XXXX XXXX ( Goldman Sachs ) multiple times. They have been unable to advised which amount is applicable to order number XXXX. In addition, they are unable to advise of any other order number or purchase of any additional tickets. I have attached a copy of the transaction as well as copies of the tickets I received.
Their response has been a bunch of print outs of the internet with most to small to read to include instructions on how I should use my iphone.
|
| 03/02/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
AccountS Frozen ; keep being told will close, no reasons stated, no questions answered. Frozen XX/XX/23 nothing has been done. Supervisors don't get back to me. 5hours invested with no answers.
XX/XX/23Account locked, XX/XX/XXXXVerified acc. was told account was ok, funds pullback had to be completed, call back XX/XX/XXXX to unlock. XX/XX/XXXX told acc would be closed, no explanation, would mail check 7-10 days. XX/XX/XXXX nothing done went through process of closing acc. would be expedited and no penalties, told to call back on status 2 days. XX/XX/XXXX accountS still open nothing done. Someone will get back to me within 2 days with explanation. Some type of fraud investigation? No explanations, refused to answer any questions.
I want my money back with interest and no penalties on CD 's
|
| 02/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
I wired {$1000.00} dollars from Marcus by Goldman Sachs on XX/XX/23 and Marcus deleted the wire and never sent it. The bank, XXXX, that was supposed to receive it sent me an email asking why Marcus kept refusing to send money. On XX/XX/23 I then sent an online transfer of {$900.00} dollars to XXXX from Marcus by Goldman Sachs. Instead of send the money this time, Marcus lists it as pending on their end but posted on my end when XXXX never processed the funds and listed them as returned, while Marcus listed them as pending. I then asked for my money to be put in a check and sent to me and they refused my request illegallyXXXX XXXX refused and returned all Marcus by Goldman Sachs Transactions . I am requesting a trace of the {$900.00} and a check be issued to me for those funds when recovered.
|
| 11/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Apple Card/GS bank USA , account number XXXX, This account is suspicious I requested this company to provide me with original signed contracts of me given this company permission to submit my information to any third parties. I also requested this company to provide me clear and conspicuous instructions given me option to opt out of this unknown debt. I requested this company to provide me with written contract of me knowingly agree to owe any debt ( Apple Card/gs bank ) this company havent cooperated and provided me the necessary documents/information. After a statue of time I requested this company to cease and desist all communications with me which they havent and this account is still being illegally reported to my credit report. Which is clear violation of FCRA 15 United States Codes.
|
| 07/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
on XX/XX/2023. i made an order with XXXX. i used my apple credit card issued by goldman sachs bank. i never received the package. i contacted XXXX first and they said they had proof of delivery so they would not be refunding me or sending me a new shipment. i contacted apple card support and they issued me a temporary credit while they investigated the disputed transaction. i have twice now gotten emails from them stating they are going to charge me for the transaction because it was delivered. they sent me a picture of said delivery ( it is not my door or door mat the package is in front of ) i filed a police report about the incident and the police cited the package as being stolen. i sent them a copy of the police report and they again, refused my dispute. i never received this package.
|
| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
In the past year, I have received two notifications from large financial institutions, XXXX and Marcus : by Goldman Sachs, that they were unable to approve my loan applications because my credit information had been blocked by the reporting companies, XXXX, XXXX, XXXX, etc. Thank goodness for that! I did not request any loans, and am very happy that my information is frozen. I notified Marcus who said the request had come through XXXX. I called XXXX and they had no information that a loan had been requested through them, and suggested that it may have been initiated through Marcus. Standard passing of the proverbial buck. I understand that this is a risk in our banking system, and thankfully there are remedies such as credit freeze. I just hope the hackers don't break through the security.
|
| 05/22/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Hi, I signed up and enrolled for the {$100.00} savings account bonus from Marcus on XX/XX/2023. To receive the bonus, I had to deposit {$10000.00} or more and leave the money in the account until XX/XX/2023 with a payout on XX/XX/2023. I initiated a {$10000.00} transfer on XX/XX/2023 after enrolling and did not touch it.
After not seeing the {$100.00} deposited on XX/XX/2023 I reached out to their support and was told " Thank you for your patience. Upon checking, I see that request has been submitted for the {$100.00} Cash Bonus. Rest assure {$100.00} cash bonus will be credited to your account. I would request you to please wait. '' I have reached out 3 times not to support for an update and each time I receive a mixed message response with no apparent update on the bonus.
Best, XXXX
|
| 01/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
The terms for opening a new savings account via referral is an extra 1 % APY for both parties across 3 months ( each additional referral, up to 5 per year, provides the same benefit ). I was referred to open an account by a friend, so we both have 4.3 % APY for 3 months. I then referred my other friend and she then referred her mother and brother. However, we were not credited for me referring her. We have plenty of evidence supporting this happening and have spoke to the bank multiple times via phone and chat, accumulating many hours of our time. We continue to be given the run around and denied the timely adherence to the terms we agreed to when creating our accounts and giving/receiving a referral. This is unacceptable and breaks people 's trust in banks who hold our hard-earned money.
|
| 09/01/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I had submitted a complaint with CFPB on XX/XX/23. Marcus by Goldman Sachs closed out complaint saying they resolved the issue. They have not. On XX/XX/23 I called and spoke with XXXX who was going to transfer funds out to my XXXX XXXX XXXX. On XX/XX/23 I received a call from XXXX at Marcus by Goldman Sachs saying that Marcus denied my transfer but I could reinitiate it on Monday XX/XX/23. On XX/XX/23 I read the response from Marcus in which it states the transfer was requested and is being processed on XX/XX/23. I did call Marcus back after reading this response and spoke to XXXX who initiated another transfer. I am filing this complaint as I have been told different answers every time I call and still do not have my money back after almost three weeks of non stop calls to this company.
|
| 10/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Servicemember |
|
I had a XXXX XXXX XXXX XXXX XXXX and Goldman Sachs bought the debt and rights for the XXXX XXXX XXXX. I was never notified that such a change was going to happen until I received a call on XX/XX/2022, from Goldman Sachs. Stating that my payment was 30 days past due. When I told them I didnt have a card with Goldman Sachs XXXX they told me that I did and told me it was my XXXX XXXX Credit Card XXXX As soon as he verified my name and phone number, he then realized I was never sent a Goldman Sachs card. I then immediately went on and created an account on their app and set up automatic payments and paid the past due amount that day. Due to the failure to notify me of the change of my account from XXXX XXXXXXXX to Goldman Sachs my perfect record of the XXXX XXXX Credit Card account was lost.
|
| 07/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/2020 I ordered a wireless adapter from XXXX The vendor for the adapter was shady about shipping notifications and I have a huge email chain with them trying to cancel my order or locate the device they claim to have shipped to me. I never received the device I ordered. After several months of trying to work with the vendor I opened a dispute with Goldman Sachs for my Apple Card which I used to make the purchase.
I have opened multiple disputes with GS citing never receiving my item and the company claiming I DID receive it. I did not.
The last dispute that I can find record of was on XX/XX/2020. This dispute was also denied. I have disputed multiple times and gotten nowhere with GS.
The vendors name on my transaction history is XXXX My transaction : XXXX XXXX XX/XX/2020 2020
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2023, someone took out a personal loan with Goldman Sachs in the amount of {$4500.00} and paid off XXXX credit cards. On XX/XX/XXXX I was contactedy by XXXX about a credit alert so I contacted XXXX and disputed the claim, but the person was still able to get the loan through Goldman Sachs. When XXXX contacted me again on XX/XX/XXXX that the loan went through I immediately went on to all XXXX credit bureaus and disputed the loan and locked up my credit. On XX/XX/XXXX I spoke with XXXX again and followed up with the dispute and they helped me contact Goldman Sachs to dispute the loan with Goldman Sachs. Goldman Sachs also said they flagged the account on XX/XX/XXXX as fraudulent. On XX/XX/XXXX I am going to my local police department and I will file a complaint with them as well.
|
| 04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Ive paid Marcus by Goldman Sachs Bank US for a loan amount that I owed. The bank hired XXXX XXXX XXXX XXXX to collect the XXXX. I negotiated a payoff in the amount of XXXX and paid the balance in two payments. Payment one was on XX/XX/21 in the amount of XXXX and the second on XX/XX/21 in the amount of XXXX. Ive contacted both XXXX and Marcus by Goldman Sachs and they have both been no help. I have a paid off balance letter from XXXX and Marcus By Goldman Sachs says they do not have it and I still owe the balance. The two companies will not speak to each other as Ive tried everything as a consumer to get this fixed. Goldman has no way of contacting XXXX to get this updated. They have been reporting that I still owe a balance and reporting me late every month for something I do not owe.
|
| 02/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have an Apple Card by Goldman Sachs ( Credit Card ) with a USURY APR of 21.99 %. I was in a chat session, first with a customer service representative and then with that persons ' manager, who both refused to even take my request to lower that APR into consideration, by referencing what they referred to as the SCRA, which according to them both, only allows for SELECTED members of the military, the sole and exclusive opportunity, to have their APR 's lowered.
This is of course discriminatory and illegal and against the FAIR LENDING ACT, hence my submittal of this complaint to the CFPB.
Please find attached, screen shots of the chat interaction I have referenced above, that further details my afore-here summation of my complaint.
Please let me know what further you need from me.
|
| 06/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Hello CFPB, I hope you are doing well.
I would like to file a complaint with my Apple credit card ( Goldman Sachs ) that I recently opened up a few months ago. I received a notice on my account today that my account is restricted and was told to reach out to support for questions or more information. I reached out right away and was not helped whatsoever with my account being in lingo. By far a bad experience for not having an answer and being told to wait until somebody reaches out to my via email. I had done my homework and reached out to users who have had problems exactly like mine and was told to file a complaint. So here I am. I would like to know why my account is not able to spend money. I make my monthly payments and was not over my limit. Please help.
Regards, XXXX XXXX
|
| 06/20/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
My apple card with Goldman Sachs and my savings account have been restricted. I have reach out to them multiple times since Friday XX/XX/2023. I ask for a reason for my account restriction and they told me is under review and that the team is taking a look at it that they will be reaching out in 24hrs. Now today is XX/XX/2023 and they now restricted my savings account and still no one can answer why my hard earned money in restricted from me. They said I can't speak to review team and that their manager will tell me the same thing. It's currently my primary card and my primary saving incase of emergencies. I would like this to be resolve as soon as possible. I am now at the mercy of them calling me back. I noticed other people have this issues too including not hearing back in months.
|
| 11/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I received and activated my Apple credit card on XX/XX/2019. I purchased an XXXX for my son on XX/XX/XXXX. On XX/XX/2019, I went to use the Apple credit card and it didn't work. Upon investigation, I found my account was locked. I called Support and I was informed that they couldn't tell me why and a Goldman Sachs specialist would call me. On XX/XX/2019, I call Support and paid off the balance on the card, as, I wasn't sure if payment would happen with my card locked. In the intervening 10 weeks, I have called support at least 6 times to find out why my account is locked and on each and every occasion, I have been told the same thing, that they can not tell me and a Goldman Sachs specialist would call me.
As my credit score is over 800, I know the issue is not my credit worthiness.
|
| 06/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
|
|
Web |
|
|
I have received this year two letters of credit denial from Marcus at Goldman Sachs Bank USA located at XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXXXXXX, the first onXX/XX/2019, thenXX/XX/2019 both times, they have pull my credit, with out my authorization, never have i ever applied or inquire either written or verbal for any credit lines or an account with them, the first time I send a letter to the instruction and their CEO with a copy of the denial letter, neither one bother to respond. This organization is committing fraud big time, the federal government needs to investigate them..twice they have pull my credit and NEVER did i do an aplication, as well i call their 800 number they said they were going to investigate and call me back none ever contacted me..this comapny is doing FRAUD
|
| 10/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Me and my husband purchased a car. The downpayment is XXXX My husband requested the transfer on XXXX XXXXXXXX. The transfer was then scheduled for Monday.
On XXXX XXXX ( today ) he went to check the status and his account was actually blocked. When I checked, my account was also blocked. From that on, we are suffering to reestablish the access. They wasn't being able to " send a pin '' to " verify my account '', but all information we gave was right.
After long calls, my husband managed to have access again. We immediately requested A SECOND TRANSFER ON XXXX in order to have all our money back.
Now our first transfer of MY FIRST TRANSFER OF SATURDAY XXXX was reversed and we have a check to pay tomorrow. They just need to liberate our money, from all transfers ( FIRST AND SECOND ).
|
| 06/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/23 at XXXX XXXX XXXXXXXX, I called about my XXXX credit card transactions, posted on XX/XX/23, not adding up to the card balance. There was a {$150.00} overcharge discrepancy. The card balance should be {$1500.00} instead of {$1600.00}. The representative transferred me to a XXXX called XXXX, who was not professional in handling my request. She gave inconclusive answers and wouldn't offer help. So I asked to speak with her supervisor instead. Her supervisor, XXXX, was rude and impatient throughout the whole discussion. She basically ignored my dispute and hung up on me at XXXX XXXX XXXX without providing any resolution to my billing error issue.
I was both shocked and disappointed to have been treated in this way and believe you should be aware of your employee 's actions.
|
| 05/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Goldman Sachs will not transfer my Apple Card to my current Apple ID.
The Terms and Conditions for the Apple Card issued by Goldman do not prohibit this transfer.
Failure to transfer this card means ( according to the options presented by Goldman reps XXXX and XXXX on XX/XX/20 ) : 1. I may cancel the account and suffer adverse credit score impact 2. I may continue to let the account be utilized under anothers Apple ID, without access to this account from my own Apple ID.
3. I may cancel the account and reapply for a new Apple Card account, and suffer adverse credit score impact.
At the time of filing of this complaint, I have a zero balance on this account, but have no acceptable means of protecting my credit score and ensuring any future liabilities are appropriately authorized.
|
| 08/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I made a purchase for immediate delivery for a total of {$1000.00} invoice XXXX. The items were not delivered for unknown reasons, but the app reflected a delivered status. I immediately filed a complaint with Goldman Sachs and the XXXX XXXX that same day. The next day, XXXX immediately cancel the order on XX/XX/XXXX transaction # XXXX. As of today, I have only received a refund for the taxes in the amount of {$56.00} and the delivery fee of {$9.00}. I have called and disputed the transactions and partial refund with the merchant and credit card company. They both continue to pass the blame the other and hold these cancelled transactions against my account. The merchant states the cancellation processed and Goldman continues to state the transaction was not received.
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
GOOD AFTERNOON, I AM INQUIRING ON THE INSTABILITY OF THE FOLLOWING CREDITORS, FAILING TO REPORT INFORMATION AS THEY SHOULD TO XXXX ( CREDIT REPORTING AGENCY ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXS XXXX XXXX ALL OF MY CREDIT INFORMATION WITH XXXX WAS REPORTING FINE ON MY PREVIOUS REPORTS. THIS IS CRUCIAL, AND DISABLING THE ELIGIBILITY OF BEING ABLE TO BUY A HOME/OR GO THROUGH THE MORTGAGE PROCESS OVERALL. I HAVE BEEN IN CONTACT WITH MY CREDIT MONITORING REPRESENTATIVES, ALONG WITH XXXX THEMSELVES. THEY STATE THAT EVERYTHING IS GOOD ON THEIR END. IN THIS CASE, THE ABOVE MENTIONED CREDITORS ARE NOT GOING BY WHAT THEY'RE ENTITLED TO DO. I AM REQUESTING FOR THEM TO START REPORTING MY INFORMATION AGAIN, I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTIONS WITH THIS. I GREATLY APPRECIATE IT.
|
| 11/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
XXXXTHIS IS A BALANCE DISPUTE********* I had previously requested verification for duplicate charges from XX/XX/XXXX. Dispute was not resolved. Afterwards, when adding charges back to my account, the balance due was being doubled. I had requested an audit of my account. The balance was corrected, then thereafter doubled with no applicable charges. I had included invoices previously and requested the account be audited. The balance was corrected. This needs to be corrected as it is now adversely affecting my credit report. Correct balance due. This issue continues to keep happening. I have previously included billing statements from XXXX with the last submission for the same issue. XXXX***I HAVE AGAIN included statements from XX/XX/XXXX through XX/XX/XXXX. ******* PLEASE CORRECT***
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a fraudulent account listed on my credit report, called Goldman Sachs Bank USA, which date was opened on XX/XX/2018. I have disputed this fraudulent account with XXXX and they have not removed this account from my credit report and XXXX and Goldman Sachs Bank USA is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this fraudulent item immediately and if it is not removed, then I will be filing a lawsuit against XXXX and Goldman Sachs Bank USA for not removing this fraudulent item from my credit report and not being in compliant with the FCRA. I have attached a police report and affidavit which I already reported to credit bureau already and they have some kind of way verified it accurate and it is not my account.
|
| 10/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Dates : XX/XX/22 XX/XX/22 XX/XX/22 Apple Card reported that I had paid late these months, which is untrue. A blatant lie to tank my credit.
From the day I opened this account with them, I have had automatic full payment every month from my debit card, and these three months, I also had an over balance/ credit of approximately XXXX XXXX. It would be IMPOSSIBLE to have a credit of over {$1000.00} each of these months and still have a late payment when there was no charge to the card. Make this make sense. If I have overpaid and have XXXX accounts, how does one make a late payment when mathematically impossible?
Apple Card has been conducting itself fraudulently continuously to ensure that it can not open another card and leave them because they are exploitative and disgusting.
|
| 10/21/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On XX/XX/XXXX I received two emails from Marcus Bank by Goldman Sachs telling me that I had successfully changed my email and phone number. I DID NEITHER!
I immediately began calling Marcus bank over the weekend of XXXX. I called Marcus bank numerous times to report this. It wasnt until Sunday morning XX/XX/XXXX that I was able to get someone at Marcus bank to understand that I did not make this change. It took Marcus bank a full week XX/XX/XXXX before someone from Marcus bank contacted me to tell me indeed it appeared I was suffering from Identity Theft and they were freezing my account. Since XX/XX/XXXX I have not heard a word from Marcus.
On XX/XX/XXXX I wrote to Marcus Bank demanding a return of my savings. It is now XX/XX/XXXX and I still have not heard from Marcus Bank.
|
| 08/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
ACCOUNT LOCKED WITH APPLE CARD GOLDMAN SACHS I have been contacting Apple Card Support for 10 days regarding my card account being locked. They keep mentioning that it's for some safety and security reasons, but I'm waiting for outbound calls that haven't come. One was with technical difficulties where i couldn't hear anyone, the other was outside of the hours of availability I gave them.
I keep contacting support who says that someone will call me, but it's the same answer every single day, either through the Apple Support messages or over the phone. They've notated my account, but I have not received the call.
It's unfair that I have to wait this long without a deeper answer. I still have a balance and line, I am still ME, and Apple Support can't even be bothered to call me.
|
| 11/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I have purchased an XXXX XXXX on XXXX using my Apple Credit Card ( GoldmanSachs ), total amount of {$720.00}. I have been charged, but the PACKAGE was NEVER delivered to MY SHIPPING ADDRESS. " XXXX '' is the tracking number which was never sent to my rightful address.
I have contacted the shipping company ( USPS ) about the matter and they have proven that the package was NOT delivered to MY address ( seller put a different street address ). I have tried to dispute my transaction with XXXX but they couldn't help me, so I contacted my credit card for Dispute/fraud. I have sent the right information and evidence to support my claim, but my dispute got Denied, 2 TIMES already. Also the seller never responded to my messages.
I hope you can please help me, thank you.
|
| 10/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
This concerns an Apple Card issued by Goldman Sachs. I paid my account in full 31 days early with a debit from my bank account for {$2900.00} on XX/XX/XXXX. The money flowed out of my account that same day. As of XX/XX/XXXX, my available credit has not updated to reflect that payment.
The card T & Cs have a nebulous " Credit Availability '' clause that is decidedly consumer unfriendly : " After receiving a payment, we can immediately increase your available credit, or delay increasing the available credit on your Account for a period of time. You can check the status of your available credit by going to your XXXX XXXX XXXX XXXX XXXX XXXX XXXX, online at XXXX XXXXr by contacting us. '' Over XXXX people have complained about the same issue at Apple 's own discussion forums page.
|
| 05/26/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I was in AXXXX due to XXXX XXXX in the Summer of XXXX. XXXX and XXXX to be exact and I have an Apple Card. During my stay in the hospital I had a XXXX dollar balance on my credit card. Apple charged me a service fee for XXXX dollars while I was in the hospital. Because I was in AXXXX there was a payment missed for their service charge. When I woke up and was released I was mortified. I have always paid my bills on time. I called Apple to tell them what happened. They refused to help me and have no damaged my credit so badly I can't qualify for a house at an affordable rate. They will not let me speak to a manager. I wrote to them and submitted all my hospital stays. They still refused to help me. They also verified the late with the bureaus. please help. I'm a XXXX year old man.
|
| 02/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I paid my debt in full to this credit card company, Goldman Sachs, Apple Card. I closed the account already as well. But they are still charging me {$69.00} for an item I never received. I have called numerous times, I have lost count. The last time I called them, the representative herself even proved and told me that I had no balance left. But 2 months later I am still receiving statements from them because that same amount is still showing on my balance. This company is trying to steal money and none of the representatives want to help nor understand how to count numbers. I have proof and they have proof that I do not owe them a cent. Still they send me monthly statements with a balance of {$69.00}.
I have already filed a dispute with them as well and it did not get solved.
|
| 05/20/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
After applying to open an online savings account with GS Bank, they have been unresponsive to me after gathering my personal information. After applying for an account, they ask you to submit personally identifyable data to verify your identity. After submitting the data, an error message appeared saying the account could not be opened. When I called, they are refusing provide me with information as to why. Per the account agreement online, the only requirements are that individuals be US residents, XXXX yrs or older, and have a physical street address. There is no minimum account balance required. After calling them, they refused to provide more info and said I would get a letter in the mail, several weeks have passed and no letter. I feel that they are not treating me fairly.
|
| 07/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I am being required to remove an Apple Card from my existing ID, this because this ID is handled/managed by my employer. Apple/Goldmans Sachs refuse to transfer my Card to my personal Id and are forcing me to close the existing account, pay it off and open a new account if I were to choose to continue using the card. As you can imagine this would have a substantial financial impact and would also negatively impact my score thru no fault of mine. This all in lieu of the card being tied to my SSN and reported as such to the Bureaus ; Apple and Goldmans state that the card needs to be associated to one Id and can not be transferred to another one even it is is mine. I consider this to be an illegal action by Apple and I should be allowed to transfer the Card without any problems
|
| 09/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have a successful dispute, I have spent the last 2.5 months trying to get this resolved with Apple/Goldman and even after getting their email that my dispute was successful, they refuse to credit my account. The item I ordered was being shipped to a bad address. I notified Apple before it was shipped and they said they would cancel the order and I would have to reorder the item because they said they where unable to update the shipping address. I was told the item would be returned to Apple. So, I reordered the item and it was sent to the correct address. Apple did not cancel the order. It was delivered to the bad address. I was sick paying for both items. They finally resolved my dispute but yet they have not and will not credit me and are still charging me for the item.
|
| 11/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am writing to express my profound frustration and dissatisfaction with the handling of my Apple Card account concerning unauthorized charges and an inaccurately increasing balance. Despite reporting the theft of my Apple Card and unauthorized transactions promptly, the situation has not been adequately addressed, and I find myself in a perplexing and challenging predicament.
The incident unfolded when I realized my Apple Card was missing, and I promptly reported the theft to the relevant authorities. Subsequently, I contacted Apple to inform them of the situation, expecting swift action to rectify the unauthorized charges. However, the response has been disheartening, with the reported transactions remaining on my account despite multiple attempts to resolve the matter.
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
Servicemember |
|
Sometime in XXXXXXXX XXXX XXXX I reported a card account that had been opened that I did not open. They said they would take care of it. They never did. I called back almost monthly for XXXX months trying to get them to cancel or close the account and remove my information. I did a police report and an identity theft report with federal trade commission. This card wasnt even linked to my XXXX account but it was an XXXX credit card which made even less sense. They wrote it as a charge off implying it was my account. But I dont even have the card and they wont give additional information on shipping addresses to file a more proper report. They refuse to send any documents to me at my actual address. I have XXXX knowledge of this account other than it is on my credit report.
|
| 11/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
Today I was making a payment o my Apple credit card and right after submitting an online payment I noticed I entered the wrong amount. I meant to entered {$190.00} but instead I entered {$1900.00}. I immediately contacted the credit card company and I was told they can not cancel the payment because it already posted to my account. This all happened in about XXXX minutes. I was told to call my bank and put a stop to the transaction. I will now have to pay about {$60.00} in fees.
All of my other credit cards allow me to cancel or edit payments until they withdraw the money from my bank account.
I also found odd that after the money is withdrawn from my account and " posted '' to the credit card, it will take up to a week to have the payment reflected in available credit.
|
| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello on XX/XX/XXXX payment arrangements were made in agreement with GM a Goldman Sachs for my account. On a recorded line the representative sent me up for a payment plan and describe the payment plan to me. The representative of the company did not explain the payment plan to me in for and accurately. A full investigation including pulling up phone calls that were made on the recorded lines need to be done!!
I made payments for XX/XX/XXXX and XX/XX/XXXX as scheduled and as agreed-upon and yet we still report it late payment to my credit bureaus twice.
I made the on-time payments as agreed-upon and should NOT HAVE BEEN REPORTED LATE.
I request a full investigation and removal of my INACCURATE DELINQUENT REPORTING for XX/XX/22 and XX/XX/22 On account ending in XXXX
|
| 08/10/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
XX/XX/ : Deposited {$20000.00} to Marcus XXXX Account from XXXX XXXX XXXXXXXX XXXX Account.
XX/XX/ : Marcus XXXX Account locked, called the bank and they said they need to close my account and that I will receive a check with my deposit in the mail.
XX/XX/ : Hadn't received my deposit in the mail so called Marcus again, they said they needed to take an extra step and that they will return my deposit to XXXX XXXX XXXXXXXX XXXX Account.
XX/XX/ : Hadn't received my deposit in my checking account so called Marcus again, they said that my case was " under review '' and that they can not disclose how much longer it will be " under review ''.
Essentially, they've been holding {$20000.00} locked without recourse or any transparency on when I will receive my funds back
|
| 06/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
My APR for my Apple Card with Goldman Sachs is presently 21.99 %, by far one of the highest interest rates of any credit card I have. With a good FICO credit score of between 760 - 790 depending on the credit agency, my other interests rates are in the 7.5 % - 16 % range. Further, I pay my bill on time and in full monthly. I consider Goldman Sach 's interest rate to be gouging. On several occasions I have spoken via text with Goldman Sachs customer service to ask that my APR be lowered. They have declined to do so, saying that my rate is based on my credit, even when my credit is good and enough to warrant the lowest interest rate offered on other cards. I feel that Goldman Sachs is taking advantage of their customers with this high rate and my rate should be lowered.
|
| 08/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Throughout the end of last year and this year there has been many purchases made not authorized by me what so ever. This has me very frustrated as it has grown up to around {$4500.00}. Around 1-3 months back I filed many disputes with the credit card company ( Apple Card ) which is run by the Goldman Sachs bank XXXX I waited for over 2 months on the disputes and all of them seemed to be cancelled for whatever reason. I am deeply sad and mad on why this had to happen with me. Through many calls and such they said they would help but roughly just spun all the payments back to me. Please whatever you can do fix the debt that has been made on these unauthorized transactions and fix whatever damage this may have caused from these purchases and payments made and thank you.
|
| 02/24/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
I'm writing to ask how my Apple Cash account is doing. on XX/XX/2023 I was informed that my account had been disabled and was presently being reviewed when I attempted to log in. The notice warned that the review procedure might take up to two business days to complete. In order to access my cash, I would want to request that my account be unlocked as soon as possible. I haven't previously heard from the bank about any issues with my account. As a result, I'm not sure why my account was first locked. I want to utilize my Apple Cash money right now, therefore I'm hoping you can help me out very away. If you need me to offer any extra details so that the review process may go more smoothly, kindly let me know. I appreciate your help and time. It's XXXX for my apple id.
|
| 04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Hi, Reached out to Apple about my apple card not paying off the balance via the XXXX XXXX. It was not working for the entire time I had the balance on the card, and still will not work to this day. My phone records show I reached out to Apple to discuss a way to make the wallet work, but they could not fix the issue. This resulted in 2 late payments. From the apple card app on the phone presented was no other way to pay the card off. This resulted in confusion and lack of a process to escalate the issue. I have followed up with the bank associated with the card and have started twice a process to get the late payments removed from my account and they have not followed up with me on their final decision, nor have they provided any documentation to me.
ThanksXXXX XXXX
|
| 10/02/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Didn't provide services promised
|
|
Web |
|
|
I only used the Apple credit card for one company XXXX XXXX This company turned out to be a scam. They did not deliver the product because it was a scam. XXXX guarnteed me that I would be secured in this purchase incase this XXXX was a scam.
I have paid a full balance of {$1600.00} as of XX/XX/2023 to {$0.00} balance.
I disputed the charges because the XXXX company did not fullfill the delivery of the services.
Which included XXXXTop page of XXXX Search, XXXX/ Advertisment/ and lifetime serivces.
On Wednesday Apple Card team at Goldman Sachs, sided with the merchant. They completed an investigation, and contintue to send me bills for this card. In which I paid the balance {$0.00} and cancled the card with the merchant with no futher balances due. I requested
|
| 10/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
We didn't receive any special letters or notice from opening the account to closing it. However, " Apple Card / Goldman Sachs '' keeps on mailing " {$0.00} balance '' statement to our mailing address. We already are aware that the balance is at " {$0.00} '' but what is " Apple Card / Goldman Sachs '' trying to achieve now/later/etc by keep on sending statement letters? Again, we didn't receive any special letters or notice from opening the account to closing it. ( Despite requests to stop mailing those unnecessary statements. It's becoming one of spam letters to be discarded ). Shall we mail a letter that includes SSN for confirmation to stop these statements? Is " Apple Card / Goldman Sachs '' able to simply turn off this statement from being mailed month-to-month?
|
| 09/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( I.E : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a certification from the creditor that certified the accuracy and completeness of the information/account
|
| 11/19/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
Hello, In XX/XX/XXXX, I opened a 12 months CD with Marcus by Goldman Sachs. Unfortunately, due to an unexpected circumstance, I will need to break the CD before its maturity date on XX/XX/XXXX.
I called to find out what is the penalty that I will need to pay. Surprisingly I found that the penalty amount I need to pay will be higher than the total interest paid to me so far.
This is an unfair practice as GS earned interest already on the money I deposited. However, as a penalty, they are charging me also for future interests they could have earned.
The bottom line is that I am going to get less than the actual principal amount I deposited.
I would appreciate any help to ask GS to reconsider the penalty amount to be more responsible and fair.
Best, XXXX XXXX
|
| 12/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Goldman Sachs forged and falsified bank records to intentionally fabricate disinformation in a pathetic and disgusting attempt to gaslight me to cover up employee misconduct. Goldman Sachs falsely fabricated a defamatory and libelous accusation that I did not have a perfect payment history when I never missed even XXXX payment nor had any of my payments ever not honored. Its as if Im just a XXXX XXXX XXXX to Goldman Sachs because Im a minority and because Im a minority and Goldman Sachs is allowed to perpetrate in bank fraud by creating false bank records with defamatory false and hurtful allegations that are untrue. Goldman Sachs thinks they can get away with such brazen misconduct because they can simply just bribe the right people with their political donations.
|
| 04/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
My Apple Card has been restricted since XX/XX/2023. Since this process first started, Ive reached out to Apple Support numerous times and have followed all instructions provided to try and have this restriction lifted. Steps include resetting my Apple ID password and verifying my identity with Goldman Sachs. The restriction has been lifted temporarily twice, and each time it becomes restricted again as soon as a use it to make a purchase. This brings my account restriction total to three over the past few weeks, with zero explanation each time this has occurred. Despite continuing to follow their process and expressing how much of an inconvenience this is, my account still remains restricted with no ETA for resolution or guarantee that this will be a long-term fix.
|
| 10/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Good morning, I have loan with Goldman Sachs Bank about XXXX towards credit card. I did make several payments, during COVID. Due to covid hardship Golden Sachs turned my case to Lawyer XXXX XXXX XXXX, XXXX. XXXX filed my case into District court. While court is handling case lawyer XXXX & XXXX kept bullying, lies and has been harassing me which affects my job and health. I have been XXXX XXXX XXXX and XXXX XXXX. Due to covid hard ship, being as a single mother this is placed additional stress on me. I tried to make financial arrangements with Gold Sachs, but they refused. I made payments towards my loan prior ; they did not even count those/ mentioned. Lawyer have been harassing me since XX/XX/2022. I am willing to provide all document which I received from Lawyer.
|
| 02/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I recently applied for an Apple card through Goldman Sachs Bank USA-based an invitation from XXXX. I submitted the information, a copy of the driver 's license. Over a period of 7 days, I received information that my identity could not be verified. So I resubmitted the information and again I got the message about my identity not being able to be verified. I contacted XXXX XXXX XXXX and they could not explain why such a statement about identity could not be verified. That is critical because I need to know why. XXXX XXXX XXXX communicated that it is related to the information that is reported by the credit agencies. I was told that they would escalate this and contact me to discuss their findings. As of today, XX/XX/2022, no one has contacted me from Goldman Sachs.
|
| 07/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I made a purchase at the Apple XXXX online. They sent my info to a physical store. I went to pick up my computer. The charge was XXXX cents. I was told by the person who signed me up for the card that I can pay in installments, but I was charged the full amount. Apple online/phone store suggested I call and tell Goldman Sachs I wanted to pay in installments. Days later, I notice a charge for {$1700.00}. I learned the {$1700.00} was the subtotal. The XXXX was with tax. Currently these two charges have appeared on my account since XX/XX/2022. Ive been asking them to remove the extra charge over and over again. One manger said it was their mistake. Another manager said I will have to pay. I will not pay for something f I have not purchased, nor have I authorized it.
|
| 03/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
As of XX/XX/2023 I've notice an in fraudulent account on my consumers report .I have already made a complaint and responded to company GOLDMAM SACHS which they responded saying there was no error after they look into the account As of XX/XX/2023 Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.
I haven't given these accounts written permission to furnish these accounts on My credit report as well
|
| 12/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
On XX/XX/2022 I was informed by email that my account with Apple Card/ Goldman Sachs was closed. No further explanation was provided. The letter stated that I can request documentation as to the specific reason my account was closed to reach out to Apple/Goldman Sachs which I did. I received a letter dated XX/XX/2022 stating my account was closed for " Regulatory Reasons. '' I want an explanation as to what " regulatory reason '' was used to close my account.
I used my account no more than XXXX times and for simple purchases such as hair cuts and at XXXX.
No action by myself should have resulted in my account being closed. I want an explanation for their reasoning. Their actions have had a negative impact on my financial and credit aspects of my livelihood.
|
| 11/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Older American |
|
Goldman Sachs Small Business said my Company was approved for a undecided amount of credit until my application was finished!
I had a XXXX performed and was omitted into hospital for a three week period and was unable to finish my application! I was to send in three months of my banking statements to seal the loan! I was unable to complete because I was hospitalized! I received no letter as to the need for the three months of statements.
I was also told this application was not a hard pull of my credit! It was to be a loan to business and not personal. They preformed a hard pull!
Goldman Sachs caused my credit to plummet. I dont believe this was a fair application or didnt allow me to finish a complete application!
Thank you XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hi my name is XXXX XXXX. I have never had any type of business with Apple at all! Ive never even had an XXXX XXXX or anything related to Apple. I am in the process of trying to figure out why no matter what i do i cant seem to raise my credit score. So i keep seeing this Apple card pop up on my report. I have written a letter some time ago and submitted complaints that this was a fraudulent transaction. This debt that i didnt even have knowledge of until it was overdue has been haunting me for 3 years now and constantly hitting my credit score. I want it off immediately! Also i saw on the bill they sent me that whoever had that account had the same name as me and the same social except like two numbers were different ... .have no idea what their birthday was.
|
| 11/03/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
My XXXX company notified me that my bank returned a XXXX payment due to insufficient or uncollected funds. I spoke to multiple managers from Marcus by Goldman Sachs, who shared that this was incorrect and that I had the balance to cover the funds. My XXXX company was able to provide me proof that the funds were returned. This resulted in me paying a XXXX NSF fee, a {$150.00} late fee, and a XXXX dollar credit card processing fee. I have been waiting several weeks for a representative to contact me. At this point, I request that Marcus cover the charges for the fees charged due to their returning the funds.
The managers spoken to : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX All of my attempts since XXXX should be documented at Marcus since the XXXX of XXXX.
|
| 01/28/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I opened an apple credit card to purchase a new XXXX computer. The day after purchase I returned the laptop unopened. The store gave a full refund to the credit card, and I purchased a new laptop in cash. XXXX months later i get a ding on my credit report for not paying off my apple credit card - even though the balance was {$0.00}. I called goldman/apple and they informed me i received apple cash back, which was charged to the credit card when i returned the computer. No notice from apple this would occur. When i called to dispute the transaction, they said it would be denied, as this is how the card works.
Companies should not be able to ding your credit because they charged a payment for a reward you did not intend to use. Especially without disclosing.
|
| 07/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
I was mislead by Apple Mastercard aka Goldman Sachs to close my account in order to get XXXX interest as I am facing financial difficulties due to low income and XXXX XXXX. A team instructs me to close it and garentee no interest will be further charge and I will speak to a financial representative to plan an affordable monthly payment as I asked for a financial assistance program. However now they closed my account and said the team wasnt trained properly so now I find my self with penalties on my credit score with high balance credit card close and monthly high interest which I cant afford. I although I complain several times to their management nothing has done. I need to file a complaint to cut to XXXX interest for misleading and restore my credit score
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have called APPLE CARD XXXX GS BANK USA credit card a couple times asking them to check on a credit card that was opened fraudulently. I gave them my personal information and they told me my info doesn't match with what they have. It proved that my identity was stolen and use to open this credit. I also called XXXX XXXX and told them my situation. I have filed 2 complaints with XXXX and both times I was told this credit card was mine. XXXX told me they have sent my info over to Apple Card -GS bank and that it matches my personal information, but when I called Apple GS they tell me a different story. I want to clear this because I know I did not open this Apple Card and it has really impacted my credit score. I also took extra steps by freezing my credit.
|
| 03/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I had a XXXX credit card. They switched over to Marcus. I tried to make the full pmt before the due date but the system was shut down for maintenance. I called and they told me not to worry I could make the pmt after Tuesday and they'd wave fees. I waited until Tuesday. Set up a new account. Paid the credit card off in full. They charged me interest. I called the company and they said they would issue a credit. The amount they were to issue the credit for was the total amount of interest charged. It was just over {$16.00}. They credited {$4.00}. I paid the balance off in full after using the card this past month. This resulted in a negative balance on my account. The credit card company owned me money. Now they charged me interest on that money they owe me.
|
| 11/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I have applied 6 times for a XXXX XXXX XXXX XXXX XXXX card. Each time the instant approval comes back with a $ XXXX credit limit. I am then asked for proof of State Identification and a copy of the business ' XXXX letter from the IRS. I have provided both ( Driver 's License and Passport, in addition to the XXXX letter ). Every time I receive an email the next day saying the application is denied because your identification could not be verified. No other reason given was ever given. I even contacted them on Social Media, I have a large following of XXXX XXXX followers, hard to pull off if you are a scammer, and still I was told to check the denial emails, like they were going to magically say something different. I am exasperated and utterly disappointed.
|
| 02/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I have now, for the second time, made a transfer of funds from my high interest savings account with Goldman Sachs to another financial institution and they have reversed the transaction without approval or consent from me both times. They are not releasing my funds as instructed, and cited insufficient funds the first and second time, while the amount requested by me to be transfer was in my account ( plus some ) and not at all accurate on either occasion.
At this point I have called them twice about this, have done an authorization phone call with both financial institutions on the line, and they still are not releasing my funds to me as requested and costing me now 2 weeks of interest at a 1 % interest rate difference that I have now lost due to this.
|
| 01/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I don't believe Apple and Goldman Sachs are complying with federal regulations on credit cards. On XX/XX/XXXX I opened a dispute for a problem with a product of {$670.00} - at XXXX XXXX. The deadline for the merchant to respond has passed. I was informed that I would receive a provisional credit, but the credit never arrived.
I was further informed that the dispute is resolved within 90 days. Today is XX/XX/XXXX and it's been more than 110 days since I have no provisional credit, and the problem has not been resolved, no credit back. I spoke for hours with supervisors on XX/XX/XXXX by phone, and the answer is simply, we don't know what happened.
Disputes are not being processed correctly under XXXX XXXX.
I need a solution urgently. This can not happen.
|
| 09/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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On XX/XX/XXXX of XXXX there was an unauthorized transaction that took place. I reported it to Apple/Goldman Sachs on XX/XX/XXXX of XXXX. They gave a provisional adjustment on XX/XX/XXXX of XXXX. On XX/XX/XXXX of XXXX they reversed the provisional credit in the merchants favor. Also on XX/XX/XXXX of XXXX I reopened the disputer XXXX. On XX/XX/XXXX of XXXX I received the following email language Because your recent transaction dispute was resolved in your favor, the temporary credit you received including any related interest charges is now permanent.
Disputed Transaction Details Transaction date : XX/XX/XXXX Merchant name : XXXX Credited amount : {$200.00} On XX/XX/XXXX of XXXX I got a message on my phone regarding the XXXX fraud charge from XXXX of XXXX
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| 06/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
Older American |
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On XX/XX/2023, my Marcus ( by Goldman Sachs ) GM rewards credit card account was closed for no apparent reason. I spent over two hours calling and chatting with card specialists who told me that I failed to agree to some document that none of them could produce. They would not re-open my account nor would they allow me to apply for an new one. Then I tried applying for their business card. They approved the application on XX/XX/2023 and sent me a new card. I activated the card per their instructions but on XX/XX/2023 they sent me an email closing my account... again, with no explanation. I called and asked for a reason and they simply told me it was " regulatory. '' There is discrimination going on here and that's why they won't give me an honest answer.
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| 05/03/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Apple/Goldman Sachs continues to freeze my account. Will not allow for withdrawals. And everyday makes me call and wait for over 1 hour. I have called XXXX times, each time waiting for over 1 hour to get them to unfreeze it and resubmit to move my money out. They unfreeze it but then the next day it's frozen. I want my money back immediately.
I have requested my {$100000.00} ( roughly ) back for the past week so I can pay off a line of credit which i'm paying 11 % on. They keep denying it.
Nobody can provide me with a solution after the XXXX phone calls ( over 5 hours ). I text apple and they keep saying to call and wait again which does nothing.
I have requested a call back from management every time and still haven't received an email or a call.
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| 07/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Apple Credit Card, using Goldman Sachs are asking for people to pay their debt and when the systems do not allow you to, they are directing you to a phone number that asks if you have been affected by Covid and want to delay payment press 1. If you want to continue, press 2. Pressing 2 errors out and says the number isn't valid. I brought this to the attention of Goldman Sachs support person who would not address the issue. I was unable to pay with the card, because I had closed the account and deleted the app. In order to pay, the only option given was through the app or phone. Both systems down? This is not an accident, the largest tech company and one of the largest financial institutions are pushing people to claim clovid not to pay. This is FRAUD.
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| 05/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Apple should clearly disclose what the company intends to offer. Just try to purchase a XXXX XXXX XXXX from Apple for school purposes. We are currently offer 0 % financing for six months. False and misleading! Once consumers click yes, it generates a contract with different terms and conditions. Granted, it was my responsibility to review my statements to make sure that they were free of error, however, would XXXX have rectify its unscrupulous act? Absolutely not. When I asked to close my account after I paid it off, said account incurred {$43.00} in balance rewards and XXXX would not mail me a check. They never had that amount displayed in a way that consumers can see it and use it. I have knowledge about proper disclosure in financial transactions.
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| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Apple Card is reporting erroneous lates on my credit file. That late is from XX/XX/20. I was experiencing hardship during COVID and received a few lates throughout that time that I was experiencing hardship. This was really damaging to my credit. I had high credit limits and all those were all brought down. So not only did my credit utilization XXXX but with the lates my credit took a huge loss. I am asking that you to please remove the reported lates during the pandemic. I was in contact with you and let you know I was experiencing hardship. Under the federal mandate, CARES ACT, you can not report lates during the pandemic. I have been a long time customer and if you review my file you will see the only time I was late was during this troubling time.
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| 06/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Goldman Sachs bank did not resolve the issue on a charge that happened in XX/XX/2023 for the amount of XXXX. I reported as fraud the first time and did not get it resolve the first time. Then re opened the case and was not solved either. After a third atrempt the bank is asking me the consumer to contact the merchant and ask them for prove or receipt of the purchase. This is unheard of Ive never seen a bank telling the customer to call a merchant to ask them for prove of purchases. Goldman Sachs as the bank needs to do all this. I dont know anything about the merchant or who the merchant is to be calling and asking for information on a fraudulent transaction. The charge stayed permanent on my account which is unfair since i did not made this purchase.
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| 06/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
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|
Web |
|
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Apple Card has a fundamental problem with their customer support. Their support lines are horrible. Their right hand doesn't know what their left hand is doing. When an issue is raised with their chat option or their phone option they have no clue whether this is to be handled by Apple Card support or Goldman Sachs support and the customer gets bounced between the two groups. This results in a very long time to resolve an issue that can be addressed in a few minutes. The time to resolution is horrendous. Basically they are staffing their support with incapable, inefficient and incompetent people. This has nothing to do with a specific transaction. This happens with EACH and EVERY issue. This is unacceptable and Apple Card should be penalized for this.
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| 09/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
|
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I am reporting Goldman Sachs in reference to their XXXX XXXX. On Wednesday at XXXX I contacted them via chat since my account had been restricted. They needed to text me a code and said that my account was fully verified. When applying for the card I gave them a picture of my Drivers License. I have been usually the card regularly and paid off the first statement balance. I contact Goldman Sachs today when I noticed my account was closed. I received an email that went to my junk that said Failure to comply with the terms of the Card Member Agreement or Rewards Agreement. They said the issue was with the verification that I did not provide. When I told them I had they said oh okay I see that but youll have to wait 2-3 weeks for a letter explaining why.
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| 07/09/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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|
Web |
|
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TOTALLY unacceptable. They did not get that I am the ping pong ball between them and XXXX. XXXX tells me its Goldman and Goldman says its XXXX one knows or wants to address this issue! Seriously, they are tell me to back into the rabbit hole that initiated this complaint. Their response is as simple as calling their customer service. Seriously these are supposed to be educated people and that was the best they could do??????? oh, lets me look up the account.hmmmm, I dont see XXXX XXXX name on the account,,, ,were good???????? Ridiculous. I will not relent until I get an intelligent explanation. Goldman Sacks and XXXX have a partnership in this matter and I need one smart person from either mega institutions to figure it out.
1st Complaint ID- XXXX
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| 12/07/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
|
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I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
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| 11/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
|
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Apple Card or Goldman Sachs continuously fails to report the updated balance for my account to the credit bureaus. I had to file a dispute with the credit bureaus in XX/XX/2021 because Apple Card or Goldman Sachs failed to report my updated balance that showed on my statement. The same problem reoccurred in XX/XX/2021 and Goldman Sachs or Apple Card didnt report my balance as shown on my statement. This has caused me to be denied for credit. Ive contacted Apple Card or Goldman Sachs and they told me theres nothing they can do to fix the issue. I spoke with XXXX at Goldman Sachs or Apple Card on XX/XX/XXXX at XXXX XXXX Pacific standard time in reference to the issue and he provided no resolution. This is a violation of the fair credit reporting act.
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| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
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There is an account on my credit report from Goldman Sachs. I never opened an account with Goldman Sachs. After speaking with someone when they attempted to collect, I was told this was a conversion from a XXXX XXXX Card that I had for XXXX XXXX. This card had a {$0.00} balance on it when it moved from XXXX XXXX as it was never used, and the replacement card was apparently sent to my old address at which point a balance appeared.
So I have no idea where the balance on the card came from as I never had the replacement card sent to me at an address I could receive it, I did not enrol the card in any sort of payment or online portal ( as I was told by collector was done ) or anything of the sort. In fact, I had no idea the issuer had even changed.
|
| 08/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
Servicemember |
|
On XX/XX/2020 I purchased a XXXX with special financing of 0 % for 12 months offered on my existing Apple Card issued by GoldmanSachs. When my statement was made available on XX/XX/2020, it states that I must pay for the entire purchase by XX/XX/XXXX in order to avoid finance charges. When I contacted them regarding this error, they repeatedly transferred me to Apple to return the computer. I do not want to return the computer. I want the financing that I was promised when I made the purchase. I also advised them that I wanted to dispute the terms of the purchase and they informed me that someone would call me back in 14 days to take my dispute. This is also illegal. The entire way that the purchase is set up is unfair and deceptive to consumers.
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| 12/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I was locked out of my Marcus Savings ( Goldman Sachs ) account because they had the wrong SSN on file, and because my phone number is not registered in my name on their end. I was told that a letter was sent out on XX/XX/23 to my mailing address with an affidavit so I could verify my identity and unlock my account. They said it would take up to 10 business days. I have not received such a letter. I have also bought a new sim to get a phone number in my name, even though I have had my phone number for almost 10 years now. I was unable to verify myself with my new phone number as well.
Whenever I call Marcus, a case gets opened and I am asked to call back in 3 days. Then another case gets opened. I am stuck in a loop, with no access to my funds.
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| 05/19/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a Apple Saving Account which is backed by Goldman Sachs. I deposited a total of XXXX into my account on XX/XX/17. On XXXX ( almost a month later ) I initiated an ACH to my personal banking account ( XXXX XXXX XXXX XXXX I was told the XXXX would take XXXX business days. After speaking to multiple people I called back in on XXXX and was told my initial funds of XXXX had not been verified and my withdrawal to PNC was being sent back to Goldman. As you can imagine I am very upset with this. This is 100 % legit my money and it shouldn't take a month to verify my funds. Goldman has not been able to provide me when my funds will be verified, even though I see the total savings on my apple savings and have even accrued interested from Goldman.
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| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
|
One year ago, I fulfilled my financial obligation to Goldman Sachs Bank by satisfying the balance on my remaining credit, which exceeded one thousand dollars, and closing my account. The bank representative assured me that my credit card was fully paid off and that my account was closed. Despite this, I was surprised to find that my credit report displayed a derogatory mark for the account which had been closed for some time, indicating a fee that was not meant to have been applied to a closed account. This has had significant and far-reaching consequences, hindering my ability to secure a new apartment and obtain employment, and even restricting my access to financial services such as car loans. Goldman Sachs Bank has severely impacted my life.
|
| 06/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Following up to Complaint XXXX I submitted a complaint on XX/XX/2022 on CFPB to Goldman Sachs Bank .
I explained my situation as I am a victim of Identify Theft. I had requested that Goldman Sachs Bank provide me with the original loan application with wet signature so I can provide to law enforcement. Goldman Sachs failed to provide me with the original loan application as there was no hard application. Goldman Sachs narrated how the loan was taken out in my name as an online application. Goldman Sachs explained that they verified my information toward what was on their system but did not provide me with the information on their system that was used to apply for the fraudulent loan.
Again this trade line was open fraudulently due to ID Theft.
|
| 02/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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|
Web |
|
|
I have tried to apply for the Apple Credit Card, My XXXX XXXX XXXX, and My XXXX XXXX XXXX XXXX for over a year now. Every time I applied they asked me for my ID and then the application get declined they think is a fraud but is not. In the last email, they told me that they were unable to verify your identification information. I don't understand what's going on with Goldman Sachs that is always some XXXX. When I call sometimes they can't even see my applications. They are not telling me what's going on, they don't send me a letter in the mail either. My last application was on XX/XX/23 and after I applied I call several times to make sure they received everything and the pictures of my ID are clear and they told me yes everything is fine XXXX.
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| 03/13/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2021, I tried to access my account at Marcus.com -- an online bank operated by Goldman Sachs Bank USA -- that I opened more than two years ago. I could not proceed to access my account without inputting my occupation and salary information, which the website claimed is " legally required. '' I'm told after 40+ minutes with customer service that the requirement is mandated by federal law. I know of no federal law that requires a bank to obtain occupation and salary information after opening a savings account, and the representative was not able to provide support. Certainly there is nothing in the deposit account agreement that a customer has to provide -- or continuously update -- occupation and salary information. Can you please help?
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/29/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
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|
Web |
|
|
XXXX. Opened a no-penalty CD around XX/XX/2023 ; XXXX. Closed the non-penalty CD around XX/XX/2023 ; and XXXX. Did not receive the full interest earned upon CD closure.
I called customer service several times regarding the lost interest earned. The lost interest was significant. CSR told me that tax was withheld but I did not choose to withhold tax at withdrawal when the CD was opened. The lost interest amount was even greater than the associated " taxes '', assuming it was withheld.
I asked XXXX for the signed XXXX XXXX trying to show them I did not choose to withhold taxes. XXXX said that they could not provide it since my CD account had already closed.
They created a couple of tickets to address but the contents of the tickets misled.
|
| 06/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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Card was reported stolen on XX/XX/XXXX Apple Card ran by Goldman Sachs closed card On XX/XX/XXXX a purchase was made by a clone digital card ( after card was reported misused ) Apple awarded {$26.00} as daily Apple Cash accrued for said purchase which was then returned by hacker As of XX/XX/XXXX I no longer had access to account or apple Wallet to have been able to receive {$26.00} I have contacted bank numerous times to explain this was not able to have been received by myself, as I no longer had access to this digital wallet They continue sending me back the response that I am still responsible for such purchase and cash award and now expect me to pay them the {$26.00} when I don't believe I am responsible as I had already reported the fraud
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| 06/20/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
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|
Web |
|
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I opened a Certificate of Deposit with Marcus by Goldman Sachs for a 10-month term. The promotional rate when I opened the CD was 5.05 %. About seven days later, the rate dropped on the account to 4.75 %. When I called to ask, the representative stated she was told to read a script, stating something along the lines of Marcus provides the best rate over a 10-day period and the rate is affected by the Federal Reserve .
The Fed did not adjust interest rates over this period. Additionally, Marcus did not adequately disclose to me the possibility that the rate would drop, and certainly not by more than a quarter of a percentage. This action went against my expectations as a consumer, the representative from Marcus could not remediate the issue.
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| 08/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
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On XX/XX/2022 I went to an XXXX XXXX to purchase a new XXXX that cost {$1000.00}. I was informed I could make interest-free monthly payments on this purchase by opening an Apple Credit Card to make the purchase. Which sounded good to me.
So in the store, I applied for and was instantly approved for the Apple Card, but when I went to make the purchase I was informed I could only do so if I was activating the phone in-store. This was not possible because my wife is the account holder on our XXXX XXXX XXXX account and she was not with me at the store.
Now I was stuck with a new credit card that I was only interested in because of the interest-free payment option. And canceling the card after just applying for it would hurt my credit rating.
|
| 06/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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Explicitly instructed card not to allow specific merchant not to make any charges on my account after writing to merchant and cancelling their services. Card continued to allow the merchant to charge my account even after providing them with written copy of the cancellation.
I made a complaint to the XXXX, and the merchants Vp even said charges would be reversed yet this past Saturday and Tuesday morning XX/XX/21 the disputed charges are now showing up on my cc account again.
I even fully paid off the credit card account and closed it a few months ago to ensure no future unauthorized charges got pushed through in the future and now those disputed charges from the merchant are showing back up on my statement even though the card is closed.
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| 10/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Servicemember |
|
I have been unable to resolve my issue with the incompetence of your staff at the lower levels so I am emailing you directly as CEO of Goldman Sachs. My issue is simple, I am a XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. He has been on and off XXXX XXXX for years and on this latest time I receive orders there has been a struggle to get my Servicemember Civil Relief Act ( SCRA ) benefits and protections ( 6 % interest rate on credit cards ). Over 90 % of my credit card companies have complied with this which is the federal law ( statute ) yet Goldman Sach 's Apple Card have stonewalled me a few occasions. I need resolution at your level. This has also been the case with my wife 's credit card- XXXX XXXX. See email chain and attachments. Thank you.
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| 08/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
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On XX/XX/21 I was approved for a Goldman Sachs Apple MasterCard. On XX/XX/21 I used the cards Iphone apple-pay feature at XXXX/XXXX for a gasoline purchase at the pump. The charge for {$66.00} appeared on my account and then later it disappeared. I called Goldman Sachs Bank to inquire why and was told it must not have processed properly an that it was up to me if I chased down the merchant to get it corrected. I pointed out this is not fair. The issue is the apple pay feature and I got my {$66.00} in gas so the merchant should get paid. The customer service rep said it isn't their problem and it happens all the time. So Goldman Sachs and Apple are cheating merchants and doing this at a time when these merchants can't afford to be cheated.
|
| 05/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
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Re apple card account To whom it may concern im writing to see why my apple card was abruptly closed on XX/XX/2023 without and explanation when I called I was told to check the user terms that does not tell me anything I want a valid reason as to why this account was closed I have never been late on a payment and the account is current. I want this account reinstated. As a reminder you are not permitted by law to close an account for filing disputes. I have every right to do so if the merchant doesnt give a refund. In my case all the merchandise was returned to the merchant per thrir agreement and refunds never issued for it. I have reported this issue to the consumer financial protection bureau as well..
My ssi number is XXXX Thank you
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