Date Received: 2023-06-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a new savings account via apple with Goldman Sachs. I had over 3 years the apple card credit card from Goldman Sachs without any issues. I made deposits with my money and it was successfully added to my account balance. So I also scheduled my credit card payments to this account. There is enough money in my account to cover the payments. Unfortunately the bank declined the transfer, and restricted the account. After hours in the hotline and submitting a complain here on XX/XX/2023, the Bank contacted the me and cleared the security concerns. Because of that illegal restrictions I missed my credit card payment and had to pay XXXX USD late fee and XXXX USD intrest.
Company Response:
State: TN
Zip: 37931
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Apple sacs credit card reported never receiving payments my account was on autopay. After my XXXX was sold I had no way to access this card company account because it was XXXX only platform. I was not aware the card was being used and to my knowledge I had erased my information. From the XXXX however Goldman sacs calls me every day with new balances owed. The auto payments were taken out of my account but I somehow have a new balance of {$800.00} after disputing charges I wasnt able to access or see and talking to them the balance was at {$0.00} and closed. Now theyre reporting past due balance!
Company Response:
State: CA
Zip: 95901
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
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/2023, I obtained a car insurance quote from XXXX online thru XXXX Within a few minutes I was dissatisfied with the new Police and called XXXX to cancel it. The XXXX Car Insurance Policy effective date would have started on XX/XX/2023. Since my current XXXX Policy was due to expire on XX/XX/2023. I contacted the Apple Card - card I used to make the payment in full of {$510.00} and they started a dispute on the charge. As of today, Apple Card is holding the {$510.00} against my credit balance and XXXX has informed me that they never received the {$510.00} because the payment was declined by Apple Card on XX/XX/2023. Apple Card sustains that XXXX received the payment of {$510.00} on XX/XX/2023.
Company Response:
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: 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.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
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 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.
Company Response:
State: NY
Zip: 10038
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My credit report shows a deduction in my credit score by XXXX, I did it pay off off early to reduce the impact and I had some refunds also pending.
Company Response:
State: TX
Zip: 77489
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 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.
Company Response:
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 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.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 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.
Company Response:
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: 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.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A