Date Received: 2023-06-19
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: 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.
Company Response:
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: 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.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: 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
Company Response:
State: LA
Zip: 70815
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 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.
Company Response:
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023, I contacted Apple Card asking them to refund a {$220.00} credit balance on my account. Their customer service informed me that it would take approximately 8 days for the money to reach my account. This is unfair for it to take that long to electronically do a refund refund. When I owe them money the funds are immediately withdrawn. I asked them to expedite the process since I was experiencing a hardship. They refused to accommodate my request. This blatantly unfair to me the consumer. I suspect they are playing games with my money and holding on to it so they can make more money. It simply is not in their interest to promptly do a refund.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: 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
Company Response:
State: NY
Zip: 10010
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: 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.
Company Response:
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: 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!
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Apple failed to provide me with statements, Apple Card replacement and also updated the address from XXXX to XXXX. My Apple ID eas canceled alone with check and other identifying documents. The company constantly reported me late and took advantage of the adverse situation. Rather to rectify the issue they keep sending generic letters.
Company Response:
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: 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.
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A