Date Received: 2023-06-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: When opening this card the rewards were stated as up to XXXX XXXX and it expounded on this with examples. Since opening the card I have never received the XXXX XXXX on any purchase including places/purchases specifically mentioned. On contacting Goldman Sachs I was told the reason is that I can only receive the XXXX XXXX if I do not use the physical card. This term has not been stated on any of the advertisements I have seen when signing up or when using the card. I specifically even went to a different gas station where they had signs about it and didnt receive it and those gas pumps did not even have the ability to tap to pay with Apple Pay.
Company Response:
State: VT
Zip: 05401
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
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: 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.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: When I opened this card I had incorrect information on my credit report leading to me having extremely high interest. I have since discovered and corrected the error. I have spoken at length with Goldman Sachs employees to see if there is any allowances, processes, etc. To re-pull my credit or otherwise base my APR on my actual credit worthiness. I have continually been contacted by people who refuse to answer my questions or generally do not understand the question, but are happy to tell me there is no possible way to lower the APR.
Company Response:
State: VT
Zip: 05401
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: 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.
Company Response:
State: VT
Zip: 050XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
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: 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
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 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.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened this Apple Savings account by Goldman Sachs Bank USA. When I needed the money to fund my investment and tried to withdraw from the account, Goldman Sachs refused to allow the withdraw. At one point yesterday ( XX/XX/2023 ), the bank representative advised me to lower the amount of withdraw, but when I did, it was declined again. I now can not get the fund I needed for my investment. They are refusing to give me back the money I deposited into the savings account!
Company Response:
State: CA
Zip: 94002
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I've been a long time user of the Apple Card, with Apple being the company advertising it and Goldman Sachs being the bank. They ended up closing my account on XX/XX/XXXX for no reason, saying a break of cardholder agreement, when I had done nothing wrong that would breach any such rules. I use the credit card myself and they just ended up closing it for no reason.
Company Response:
State: NJ
Zip: 07071
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
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: 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.
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: 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.
Company Response:
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A