Date Received: 2023-06-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: You are in Direct Violation of The Fair credit Reporting Act has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/XXXX I called and requested a Credit Line Increase for my Apple Card from Goldman Sacs. That request was denied for the following reason : " Your XXXX credit report shows you have recently been reported as past due on one or more account ( s ). '' I do not have any " recent '' late payments from my credit report. Last late payment being reported is 5+ years ago thus making this justification false. While still on the phone I attempted to get the reasoning behind this. I was told the issue was escalated to " underwriting '' to get an answer. Today, XX/XX/2023, I got a call from Apple Card. The person was calling from their cellphone and engaged in what can only be described as " Stone Walling ''. She refused to provide any information, refused to transfer the call to a Supervisor/Manager ( likely as she was unable to transfer from her cell-phone ) until she hungup on me.
Company Response:
State: NY
Zip: 13090
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Complaint against Goldman Sachs, Marcus Savings Account : I am a customer of the aforementioned bank. My savings account was locked XX/XX/2023. I was not notified of my account lock, I noticed when attempting to log in. I called the bank at XXXX XXXX XXXX XXXX XXXXXXXX and was told my account was locked and was under review. I called on XX/XX/2023 and was told an affidavit of identity would be sent to verify my identity. I received the affidavit, had it notarized for {$15.00}, and shipped the envelope on XX/XX/2023. The bank office in XXXX XXXX XXXX, UT, US received the affidavit on XX/XX/2023, received by " XXXX. '' I called Goldman Sachs at the same number on XX/XX/2023 because my account continues to be locked. I was told I must wait 2-3 business days for the bank to review my account and that I could call back XX/XX/2023. My general complaints : - Savings account has been locked for over 2 weeks. I can not receive paychecks, transfer funds, or access my account. - No notification was given of locked account. - No reason was given at any time for locked account. - I verified my identity by name, special word, birthdate, and last four of my social security number and my account has not been unlocked. - I verified my identity by notarized affidavit and my account has not been unlocked. - Customer service gives me a 3+ business day time frame to call back every time I call. I need access to my savings funds and would like to close my account with Goldman Sachs, but I can not access my funds.
Company Response:
State: CA
Zip: 92008
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
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 use my Apple card to make Apple purchases online in the amounts of {$710.00} and {$440.00} for a total of {$1100.00} on XX/XX/2022. I shipped the items back for a full refund on XX/XX/2022. Apple acknowledged receipt of one item on XX/XX/2022, and the other on XX/XX/2022. Apple issued refunds in the wrong amounts. I received {$610.00} and {$390.00} which totals {$1000.00}. I spoke with multiple Apple reps and a supervisor about the missing {$140.00}. I was told I would receive the missing {$140.00} but I never did. So I contacted Goldman on XX/XX/2022, to initiate a dispute with Apple. Goldman issued temporary credits for {$97.00} and {$43.00} which totals {$140.00}. And Apple issued the {$140.00} refund also on the same day Goldman initiated the dispute. The problem is Goldman reversed the temporary credits and then wrongly rebilled me for the same {$140.00} that Apple refunded. Additionally, they have wrongly reported the account as 150 days delinquent to the credit bureaus. I am requesting this account to be closed and both the billing and credit report corrected to reflect a zero balance.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Ive taken multiple actions to contact the company in regards to my accounts its been months since i received any help towards my issue i recently was approved for the Apple credit card through Goldman Sachs during my first two days of having the card it was restricted with out reasoning they asked me to confirm my identity which i did and still received no resolution after weeks of waiting for a response my card is still restricted whenever i contact super they give me the same answer with no results the company seems to have to desire to help me and just build interest on my account they wont allow me to make payments or use the card making interest constantly build and forcing my credit score to drop dramatically
Company Response:
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: i am on XXXX orders i am supposed to be protected as XXXX XXXX under The SCRA especially when on XXXX orders i have a credit card with APPLE they are refusing to comply and the reason being is basically because i got the card during XXXX XXXX but that doesn't matter because it's a benefit through scra when you deploy for the interest to be no higher than 6 % and mine is 26.99 %
Company Response:
State: LA
Zip: 71446
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Between XX/XX/XXXX and XX/XX/XXXX this year ( 2023 ), I have deposited {$60000.00} into my Apple XXXX account at Goldman Sachs. Then on XX/XX/XXXX I tried to withdraw {$50000.00} to complete the purchase of a new automobile. GS has declined my request three times, and I have been on the phone with them seven times so far. I get numerous explanations, but at least four times I was told the money would be returned to the source account, but it never has. I am at my wits end with them and don't know where to turn. Meanwhile, I had to borrow money to complete the purchase of the new vehicle. Thanking you in advance for your help.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I APPLIED FOR AN APPLE CREDIT CARD AND WAS APPROVED. I DID NOT MAKE A TRANSACTION ON THE CARD EVEN THOUGH A BALANCE APPEARED ON THE CARD. I WANT TO DISPUTE THIS TRANSACTION. THE PHONE NUMBER ASSOCIATED TO THE CARD IS XXXX AND THE EMAIL ADDRESS IS XXXX. BOTH, NUMBER AND EMAIL ARE NO LONGER ACTIVE. MY ACTIVE PHONE IS XXXX AND EMAILS ARE AS FOLLOWS : WORK AND PERSONAL XXXX XXXX I HAVE APPLIED TO RETURN TO SCHOOL FALL TERM 2023. I WOULD LIKE MY APPLICATION TO BE CONSIDERED AS SOON AS POSSIBLE. THANK YOU XXXX XXXX XXXX
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Goldman Sacs - Apple Card. Im going through a financial hardship and Ive repeatedly ask Goldman Sacs for a long term payment plan in order to pay back my balance. They offer the ability to skip a payment and other extremely short term options that are of absolutely NO help. Ive probably called them 20 times asking for help. I explained how other banks are closing the account and reducing the interest rate to XXXX and allowing a long term plan. They repeatedly tell me that I would have to wait until the system says Im eligible and then today Im told I had to wait until Im 180 days delinquent with my account in order to be eligible for such a plan. That is insane. They want to ruin your credit before you can even be eligible for a long term payment plan with them. This is completely unfair when I am doing everything I can to communicate and keep in touch with them and explain what is going on with my situation. All my other banks have offered so much help but they offer NONE!!! They should be shut down!
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was enrolled in a hardship program with a representative on a recorded conversation XX/XX/31 and XXXX The lady insisted that if I made a payment and enrolled in program to get me caught up with my payments that I would not be reported to any credit bureaus as late. Today, I was notified that my account is reporting late now and this is now going to affect me for the rest of my life. The phone call and messages are all recorded. I need someone to contact me, contact all three bureaus and fix this immediately. This is so detrimental to me and if I had known this would Happen I would have did everything in my absolute power to fix it.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A