Date Received: 2023-06-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On-Line bank MARCUS, division of Goldman Sachs XXXX Deposited {$30000.00} to try a new online bank. Took 7 days for them to make my funds available. On XX/XX/2023 I wanted to close the account and return the funds to my original bank. Next day, XX/XX/2023 they locked me out of my account! Could not log in and got message " Your account is Locked ''. Called XXXX on XX/XX/XXXX - on hold 30 minutes. Rep told me they stopped the transfer and now have to reverse the reversal, whatever that means. I'm still locked out of my account and they have my {$30000.00}. No brick and mortar to go to for help. They are saying possibly 5 working working days to reverse, then another 5 working days to reverse again. What they are saying makes no sense. 1. When a bank transfers money it is ACH - once they hit the " send '' button it is out of their account and usually within 2 days funds are received by the receiving bank. 2. They are are in possession and liable for my money while it is in their bank. I can't wait for 2 weeks, the call the toll free number again and try to explain everything. 3. I'm out of $ XXXX unless you can intervene. Two weeks ago, the XXXX XXXX XXXX did a write up on XXXX and most people were having the same issue, accessing their funds. I need for the Consumer Finance Dept to contact them, as this is happening on a wide scale. It appears they are holding vast deposits with many customers and benefiting my drawing on interest while telling customers the funds are " in transit '' 4. Finally, if you go to their web site, it clearly states " One day transfer for funds under $ XXXX '' - this is misrepresentation and they need to be penalized for this falsehood.
Company Response:
State: FL
Zip: 341XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX I submitted a complaint through the CFPB complaint # XXXX stating that Green Sky XXXX was using Color of Law to not only publicize and furnish inaccurate and private information but also that the information is FRAUDULENT and that has resulted from its own acts of FRAUD and IDENTITY THEFT as defined by 15 USC 1681 a ( q ) using extortionate means to collect on debts not owed which is a crime. I have made Green Sky aware numerous of times that the transactions were unauthorized which the CFPB has sued Green Sky for in XXXX File No : XXXXCFPBXXXX In the attachment provided I asked that the company provide proof it acted with lawful authority when it obtained and shared my information to consumer reporting agencies, and they failed to do so. Instead, they responded to the CFPB on XX/XX/XXXX stating that the complaint is in progress, and on XX/XX/XXXX mailed a attached letter to my home stating the same thing in addition to numerous phone calls asking about the detains of FRAUDULENT Transaction. I have put this company on notice and have filed a valid FTC complaint which is also attached, however they have failed to remove this tradeline from all three of my consumer reports which is another federal violation 15 USC 1681 s-1 ( a ) ( B ) which clearly states : If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency unless the person subsequently knows or is informed by the consumer that the information is correct.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
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: On XX/XX/2023, I made a purchase for {$8700.00} on my Apple Card at a retail store on XXXX XXXX XXXX XXXX XXXX XXXX. The sale representative called for an approval because there is no physical number on the Apple Card. On XX/XX/XXXX, XXXX XXXX put through the charge for {$8700.00}. A pending charge for {$8700.00} dated XX/XX/XXXX and a purchase for {$8700.00} dated XX/XX/2023 both showed in my transaction history. On XX/XX/XXXX, the pending charge had not fallen off of the card, so I disputed the pending charge. On XX/XX/XXXX, I called Goldman Sachs customer service and spoke with a representative who assured me that the situation was being worked on. On XX/XX/XXXX, a member of the Goldman Sachs `` tech '' team contacted me to say that they received the complaint and the situation would be resolved. On XX/XX/XXXX, I received an email from Apple Card Support stating that my pending transaction case had been resolved because I requested to withdraw the dispute. I did not at any point request to withdraw the dispute. I contacted Goldman Sachs again on XX/XX/XXXX and spoke to a supervisor that said she would " expedite '' the situation as the pending charge should have fallen off. On XX/XX/XXXX, I received another call from a representative of the Goldman Sachs `` tech '' team that stated the problem had been pinpointed and would be resolved. Both the pending charge and the actual charge were still showing on my card, so I contacted Goldman Sachs again on XX/XX/XXXX. I was told by a supervisor that my issue would be expedited. After contacting Goldman Sachs again on XX/XX/XXXX, nothing has been done to correct the issue with my Apple card. Additionally, my card balance reflects the amount due to include the pending charge. My credit card statement shows the correct balance and does not list the pending charge of {$8700.00}, but the balance showing online and in XXXX XXXX app lists the pending charge in my current balance due. I am concerned that Goldman Sachs is charging me interest on both the pending charge and the actual charge.
Company Response:
State: FL
Zip: 33908
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Marcus Bank offered a savings deposit bonus. If you deposit XXXX for three months you receive a {$100.00} bonus. I have been told three times on the phone by the bank that I qualified for the bonus, but it hasnt been paid. Twice I was told it would be deposited the next day and it was not. The last time I was told the case has been resolved but they could not tell me when the bonus would be deposited. It has been more than 6 weeks since I qualified and they havent honored their promise. I have to think there are many other accounts in the same position. Please fix my problem and consider examining whether the bank is doing this to many depositors.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: From approximately XX/XX/XXXX until the beginning months of XXXX, I was the victim of severe identity theft and fraud on all of my financial accounts and personal technology. Additionally, in XXXX of XXXX I got sick and required hospitalization. I was not well again until the beginning of XXXX. As a result, I did not add any charges to the card during that time frame. Additionally, there was additional coverage on the car insuring the resolution of any outstanding balance if, in fact, I did become ill and could not otherwise resolve the dame. I therefore dispute the balance in its entirety.
Company Response:
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have the Goldman Sachs Apple Credit Card and have contacted them 2x about the problem that they froze my card for no reason
Company Response:
State: WA
Zip: 98105
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have {$400.00} stuck in my apple account an they havent gave me no reason to why my account was locked an keep sending me off abt it basically telling me its nothing they can do
Company Response:
State: MI
Zip: 49048
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Problem with a credit reporting 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, XXXX XXXX ( Account # : XXXX Balance Owed : {$27000.00} Date Opened : XX/XX/XXXX ) and XXXX XXXX XXXX Account XXXX XXXX Balance Owed : {$660.00} Date Opened : XX/XX/XXXX ) have violated my rights under 15USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section604A Section 2, it also states a consumer reporting agency can not furnish an accounts without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card accounts under an open-end consumer credit plan as late for any purpose.
Company Response:
State: MN
Zip: 560XX
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: My savings account with Apple / Goldman Sachs has been frozen, leaving me unable to access my funds. Multiple attempts to remedy this via their support channels have been unsuccessful. Currently Im waiting on a telephone call from their ID verification team but they have no time estimate on when I can have access to my funds. Theyve previously verified my ID via phone call only 1-2 weeks ago when a similar problem arose with my attached credit card and so I have little confidence that unlocking my account will provide me with stable access to funds. This has been incredibly disruptive and I plan to withdraw all money from the account the moment Im able to.
Company Response:
State: OR
Zip: 97132
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A