Date Received: 2024-01-04
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: So Apple credit card. I had one that I repeatedly used in only one place and nowhere else, ever. All purchases were a few dollars each, and all of them were in Missouri. Two purchases show up in California for a gym membership and an UberI disputed the purchases with Apple and they denied my claim. I never used my physical card, but only my Apple Pay, and did not join any gyms with headquarters in California, or take any XXXX in the past year. So grossly fraudulent that I actually laughed when they denied my claim. I contacted customer support, paid my balance in full, and closed my account. I dont want anything to do with this company if they wont protect their customers. I actually know what happened and the vendor whose machines I used my card with was contacted about this, and they discovered a skimmer and removed two machines. This information was also passed on to the Apple Card Goldman Sachs ( who sounded just like a ) XXXX ( can not instead of cant, will not instead of wont, etcit was crazy ) on the other end of my chat who oddly lacked any semblance of logic or reasoning. Its either complete lackies, broken algorithms, or two people doing paper-rock-scissors who decide these claims.
Company Response:
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have Opt Out of all credit and banking transactions of any kind to all nonaffiliated third parties of the credit reporting agencies. I have given AppleCard/Goldman Sachs Bank USA/XXXX XXXX XXXX XXXXXXXX notice of opt out in XX/XX/XXXX and the 2nd Notice of Opt out on XX/XX/XXXX. AppleCard/Goldman Sachs Bank USAXXXX XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bililey Act ( GLBA ) ( Privacy of Consumer Financial information ). ( 1 ) This notice is in regard to APPLECARD Customer name XXXX XXXX, XXXX account number XXXX. Please see the attached opt out letters and information sent to AppleCard - Goldman Sachs Bank, XXXX XXXX XXXX XXXX.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This company made a remark that I didnt upload documents supporting my issue when I did and they still failed to comply and remove this business credit card from my personal credit.. Ive attached serval documentation along with photos showing theyre website always have error issues for over 10 days or more.. If failed to comply I will take civil action against this company..
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This complaint involves the following parties : GREENSKY ( A Goldman Sachs Company ) Attn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( as Identured Trustee ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX 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 note that Ive already tried repeatedly to resolve these issues ( with all parties ) via certified mail before filing this CFPB complaint. Summary of Problem / Complaint Details GREENSKY ( A Goldman Sachs Company ) is committing securities fraud and willfully violating the Fair Credit Reporting Act by furnishing false, inaccurate, non-public information to non-affiliated third parties ( specifically credit agencies XXXX, XXXX and XXXX ). XXXX XXXX sent GREENSKY a written request to OPT-OUT ( per 15 USC 6802 and 16 CFR 313.7 ) via certified mail back in XXXX XXXX XXXXXXXX, which GREENSKY ignored. Included in this same round of certified mail was also a notorized affidavit from XXXX XXXX detailing XXXX different statements of fact which GREENSKY also ignored and did not respond to. Rather than conducting a reasonable investigation into XXXX XXXX concerns and addressing the XXXX specific issues listed, GREENSKY Customer Solutions mailed back a generic response letter ( dated XXXX XXXX XXXX / addressed to XXXX XXXXXXXX ) stating that they investigated the concerns and determined that no billing error occurred because their records indicate the credit reporting regarding this account is accurate ; despite XXXX XXXX having documented over XXXX factual discrepancies and FCRA violations at that time. This generic response letter from GREENSKY also listed a total outstanding balance of {$590.00} despite this account having been charged off and closed in XXXX. Theres no way a closed/ charged off account can still have an outstanding balance in XXXX. In addition to this generic response letter, GREENSKY attached a copy of the accounts transaction history which shows that the account accrued finance charges and a currency conversion fee in XXXX ( despite GREENSKY reporting that this account was charged off in XXXX ). Again, once an account is charged off, that account is considered CLOSED. So theres no way an account that was closed/charged off in XXXX could suddenly be accruing finance charges and currency conversion fees XXXX XXXX later in XXXX. XXXX XXXX has sent multiple rounds of certified mail to GREENSKY in an attempt to resolve this matter in good faith outside of court ; this certified mail has included a formal cease and desist letter, a follow up estoppel letter and letter of demand with invoice, yet GREENSKY willfully persists in furnishing false information to the credit agencies ( violating 15 USC 1681s-2 ) as well as the Privacy Act of 1974, the Truth in Lending Act and the Securities Exchange Act of 1934. XXXX XXXX has also repeatedly notified the credit agencies XXXX, XXXX and XXXX via certified mail about this matter, sending them formal cease and desist letters, estoppels and letters of demand with invoices, yet all three credit agencies continue to willfully report this false, inaccurate, non-public information ( furnished to them from GREENSKY ) despite the ongoing factual discrepancies that they have been notified of time and time again. Rather than conducting reasonable investigations into the matter, XXXX, XXXX and XXXX conducted superficial examinations based on presumption ( not proof ) that GREENSKY was telling the truth without requiring GREENSKY to provide actual account documentation that could be verified. This is a violation of the Fair Credit Reporting Act ( 15 USC 1681i ). XXXX XXXX has attached his most recent XXXX report ( dated XXXX XXXX XXXX ) to this CFPB complaint which shows side by side that all three credit agencies are reporting wildly different information in regards to this XXXX account. XXXX, XXXX and XXXX are reporting different high balance amounts, different dates of last activity, different dates opened, and all list a current balance owed while simultaneously reporting that this account was closed/charged off. Theres no way a closed/charged off account still has an active balance. XXXX, XXXX and XXXX should all be reporting the same information for this GREENSKY account, yet they are not. This is proof that XXXX, XXXX and XXXX are not doing their due diligence in verifying the maximum possible accuracy of the information being furnished to them by GREENSKY. This also shows that the credit agencies are not exercising their grave responsibilities with fairness, impartiality and respect with the consumers right to privacy, thus impairing the efficiency of the banking system and undermining public confidence ( 15 USC 1681 ). This is grounds for immediate deletion of this GREENSKY account from all of XXXX XXXX credit reports ( per 15 USC 1681i ). Per 15 USC 6805, it is now the CFPBs responsibility to enforce compliance in this matter and see to it that XXXX XXXX credit reports are promptly corrected and that XXXX XXXX is now compensated for FCRA violations in the amount of {$1000.00} per violation ( per 15 USC 1681n ). Please see the attached documents which include notices of default and opportunities to cure. XXXX XXXX has also attached updated invoices addressed to GREENSKY, XXXX, XXXX and XXXX. XXXX XXXX has repeatedly attempted to resolve this matter in good faith for over a year now. This will be his last attempt to settle outside of Federal court where hell not only be seeking compensation for FCRA violations, but also attaching claims for securities fraud and damages upwards of XXXX times what hes requesting compensation for at this time. In conclusion, the outcome desired is that this GREENSKY account should not be showing any transaction history ( including late payments and charge-offs ). Transactions are not allowed to be included in consumer reports ( per 15 USC 1681a ). Also, 15 USC 1666b makes it clear that payments on a consumer credit plan can not be marked as late for any purpose. Additionally, charge-offs are considered certificates of indebtedness ( which the IRS considers income per publication 4681 ), so charge-offs are also not allowed to be reporting. The only thing GREENSKY, XXXX, XXXX and XXXX have XXXX XXXX permission to report is that this account was PAID IN FULL, ON TIME, AS AGREED. No adverse information should be reporting. Any information beyond this would be considered furnishing a deceptive form with the intent to mislead the public ( 15 USC 1692j ). From the beginning, GREENSKY engaged in contract and securities fraud. GREENSKY used misleading and deceptive language and practices to elicit a signature for an alleged purchase money loan, but XXXX XXXX never recieved any cash advance in exchange for finance charge ( 16 CFR 433.1 ). Instead, GREENSKY conducted a consumer credit transaction whereby XXXX XXXX signature was used ( without his full knowledge and understanding ) to securitize a bond on a promissory note which is now an obligation of the United States ( per 18 USC 8 ). This was a violation of 17 CFR 240.14a-9 and 17 CFR 240.15c1-2.
Company Response:
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to bring to your attention an issue on my credit report that requires immediate correction. Upon reviewing my credit report, I noticed the presence of late payments that I believe have been inaccurately reported. I kindly request your assistance in promptly addressing and rectifying this matter. I understand the importance of accurate credit reporting, and I value the integrity of the information contained in my credit file. However, I believe there may be errors in the reporting of late payments that are affecting my creditworthiness. To assist you in resolving this matter, I have enclosed copies of relevant documentation, including proof of timely payments during the periods in question. APPLE CARD/GS BANK USA XXXXXXXX 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 myself or APPLE CARD/GS BANK USA customer service representative XXXX I respectfully request that you conduct a thorough investigation into the reported late payments and take the necessary steps to either remove or correct them on my credit report. I am confident that, upon review, you will find that the reported late payments are inaccurate and do not reflect my payment history accurately. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate information be corrected promptly. I trust that you will handle this matter with the diligence and attention it requires. I kindly request that you keep me informed of the progress and any actions taken to address this issue.
Company Response:
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I scheduled a payment from my XXXX XXXX XXXX XXXX account for XX/XX/XXXX to my XXXX Credit Card administered by Goldman Sachs in order to satisfy a payment due date of XX/XX/XXXX. That payment was initiated on XX/XX/XXXX and confirmed received by Goldman Sachs on XX/XX/XXXX as documented by XXXX XXXX XXXX and acknowledged by Goldman Sachs. The payment was then posted to my account on XX/XX/XXXX which was after the payment due date and considered a late payment. Goldman Sachs applied interest charges as a result of the posting date of XX/XX/XXXX which I would not have incurred had the payment been posted when received. The explanation from the Goldman Sachs customer representative was that the XXXX XXXX XXXX caused the received payment to be posted to my credit account on XX/XX/XXXX, XXXX days after receipt, which was after the due date causing interest and late fees.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am writing to file a formal complaint against Marcus ' savings, a financial institution under your jurisdiction. I am deeply dissatisfied with their recent actions concerning the closure of my savings account, which has left me without access to my funds and with no satisfactory explanation for the account 's closure. I became aware of the account closure when I attempted to access my account and found it inaccessible without any prior notification. To my surprise, Marcus ' savings had closed my account without providing any reason or notice. This abrupt closure has resulted in me losing interest on the significant balance of {$40000.00} that was held in my account. I have made multiple attempts to contact Marcus ' savings to seek an explanation for the account closure, as well as to inquire about the process for retrieving the remaining balance in my account. Regrettably, my efforts have been met with uncooperative responses, as they have consistently refused to provide any information regarding the closure, the timeline of events, or the steps I need to take to resolve this matter. Each time I called, I was simply told, " no. '' I believe that Marcus ' savings ' actions are not only inconveniencing me but also raising serious concerns about their transparency and adherence to regulatory guidelines. As a consumer, I have the right to receive proper notice and an explanation for any account closure, as well as assistance in retrieving my remaining funds. I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and take the necessary actions to ensure that Marcus ' savings complies with all relevant laws and regulations. Specifically, I seek : An explanation for the closure of my savings account. The immediate release of the remaining balance in my account. An assurance that Marcus ' savings will adhere to proper notification and communication procedures in the future. I appreciate your attention to this matter and hope for a swift resolution to this issue. Please find attached copies of relevant documents, including account statements and any communication with Marcus ' savings. Thank you for your assistance in addressing this complaint. I look forward to your prompt response.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a savings account with Marcus Goldman Sachs with a {$50000.00} transfer from XXXX on or about XX/XX/XXXXXXXX When I received the XX/XX/XXXX statement by email from Marcus instructing me to login to review my saving account statement, the page loaded instructing me that my account was temporarily locked and to call customer service. I called customer service who wanted to send me a pin code to the cell phone number on file. I informed them that I had changed my cell phone number and proceeded to give them the new number. I was informed by the customer service representative that they could not verify my cell phone number through their system and that the account was under review. They informed me that the review would take 1-3 business days, which would have taken up until XXXX XXXX XXXX As of today XX/XX/XXXX when I again received an email to review my statement by logging into their web portal, again it says my account is temporarily locked. I called customer service to gain access to my account and am still being told my account is under review. I have given them my new cell phone number several times since XX/XX/XXXX, and as of today XXXX XXXX, they have the old non-working cell phone number on the account. I am reaching out for help to access my funds with this institution. I have done everything they have asked of me, which was to wait for the review to finish, but nothing has been done and I still can not gain access to my funds. I need help as there is no physical branch that I can go into to speak with someone in person and show my government ID to verify this is my account and my funds. As we speak I am speaking with XXXX from fraud department who would not give me any information as to why my account is under lock.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have 2 phone and 2 XXXX so I try to use Apple Pay with my 2 phone but when I tried to add my another apple credit card for another phone but they don't let me do it and closed my account. At that time my credit was used about XXXX $ I can't pay right away on XXXX XXXX because I'm on my vacation. 2 days later when I come back to home. when I have cash to deposit to pay my debt but everything was gone. the Apple Card in my apple wallet disappear, so I can't see any transactions and my apple credit card anymore. I was try to call Apple Card service time to time they just tell me wait and just said they can't find my account even with my social number. while when I try to open another Apple Card. it said I already have an exist account. So now that debt keep make my credit score going low. I want to pay off the balance but they don't let me do it. I was open a complaint number XXXX the Apple Card said they called me so I checked and call back to them one more time and they still said the same they can't find my account even with my social number, my name, my birthday, my email address, and my phone number. if they can't verify with all my information why they still rise up my debt to XXXX $ even I just debt XXXX $ and affect to my score with their fault. I tried to upload video I talk to them but the web don't let me too. And Apple Card don't show card number on card just on app. but my app got closed so I can't check.
Company Response:
State: OR
Zip: 97015
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A