Date Received: 2023-06-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: 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.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: 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.
Company Response:
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Money was not available when promised
Subissue:
Consumer Complaint: 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.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Apple goldman sachs froze my savings account and my apple credit card w out any explanation as to why or for how long this will be for reading online this is a common complaint causing difficulty to pay my bulls without access to my funds they have not provided me a process as to file a complAint
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have a Marcus savings account for many years now. But recently moved outside the US and started to slowly withdraw my money from the account. Recently, in the middle of a transaction they blocked my account for unknown reasons/ it has been more than 7 days. I called many times and no one is able to help me promptly or to give me a reason about what's going on. I called multiple times and all I hear is the account is under review. I have all my savings in there and it's an absurd that they take this long to tell me what's going on. I depend of that money to pay my credit card account and it's extremely concerning that they take this long to analyze it. I wonder what they will do with it.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Money was not available when promised
Subissue:
Consumer Complaint: 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.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Other service problem
Subissue:
Consumer Complaint: 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.
Company Response:
State: CO
Zip: 80111
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: 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
Company Response:
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 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.
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: 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.
Company Response:
State: CA
Zip: 94015
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A