Date Received: 2023-06-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My XXXX XXXX XXXX was hacked recently by two phone numbers : XXXX XXXX Both have been traced to a XXXX XXXX. There's a police report in XXXX and one filed in XXXX, where I live. This individual has had access to my bank information, credit card, photos, messages, and private details for over a month, according to Apple. While dealing with the charges made w/o permission on my Apple Goldman Sachs Card , Goldman Sachs proceeded to remove over XXXX XXXX from my XXXX Checking Account on Wednesday, XX/XX/XXXX. It was only returned after I put a stop payment on it. The following day, Thursday, I woke up and saw I was missing {$880.00}. The charge came from XXXX XXXX. All my credit cards ( except for the Apple/Goldman Sachs card ) are in debt consolidation. I was forced to call again and ask for a stop payment ( again with a fee. ) I never approved either transaction, nor did I receive a notification from any of the institutions letting me know I have been told this is against the law. I reached out to XXXX XXXX XXXX and reported both as fraudulent charges as of XX/XX/2023.
Company Response:
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: *THIS IS NOT A DUPLICATE COMPLAINT* This complaint is in response to Complaint # XXXX I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding the reporting of late payments on my account. It has come to my attention that the late payments you have reported to the credit bureaus are in direct violation of the provisions outlined in the United States Code, specifically 15 USC 6802. According to 15 USC 6802, it is illegal to report inaccurate or incomplete information to credit bureaus. Furthermore, Section 15 USC 6802 ( b ) explicitly prohibits the disclosure of non-public personal information without the consent of the individual concerned. In light of this, your disclosure of my account 's experience or transaction information to the credit bureaus, who are non-affiliated third parties, also violates the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have discovered that your company has incorrectly reported late payments for my account. This incorrect reporting has had a significantly negative impact on my credit score and overall creditworthiness. Not only is this a violation of 15 USC 6802, but it also contravenes the FCRA, which mandates the accurate reporting of credit information by creditors. In accordance with the aforementioned legal provisions, I hereby demand that you immediately update the status of my account with the credit bureaus to " paid as agreed '' within four business days from the date of this letter. Failure to comply with this demand will leave me no choice but to pursue legal action against Apple Card for each violation under 15 USC 6802 and the FCRA. Please Note : Company policy does not supersede federal law. Please be advised that if I am forced to take legal action, I will seek damages of {$1000.00} per violation, as provided for by the United States Code and the FCRA. I strongly believe that the accurate reporting of my account 's status will rectify the damage caused by your company 's incorrect reporting and restore my credit profile to its rightful state. To ensure a prompt resolution, I kindly request that you acknowledge this letter within five business days and provide written confirmation of your commitment to rectify the reporting errors. Additionally, I expect written confirmation from the credit bureaus regarding the updated status of my account within ten business days. I trust that Apple Card, as a reputable financial institution, will handle this matter with utmost urgency and in compliance with applicable laws and regulations. I hope we can resolve this matter amicably without resorting to legal measures. Thank you for your immediate attention to this matter. I anticipate a timely and positive response from you. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Goldman and Sachs for my apple card account. Accepted my payment and applied it to my account with out making the credit available, and then reversed the payment a few days later. I have the screen shots of when they accepted the payment and the available credit was still left at XXXX. my payment was not returned to me and its been well over a month and a half. Notice of dishonor sent to CFO of Goldman and Sachs Next Day air express envelope. Tracking number XXXX XXXX XXXX XXXX XXXX. New Payment with tender instructions with a memorandum and bankers affidavit. I will be filing a 3949-A form with the IRS for failure to honor, process and credit account. This has caused loss injury and harm to myself and my offspring. an offer of performance was tendered in good faith as full satisfactory of their claim with the full intent if extinguishing any alleged debt, duty, obligation, or liability it is their duty to honor my instruments. They are also making false statements to the credit bureaus and denying, e access to my credit. I ask to have my instruments honored and access to my credit. also to have proper reporting on my credit reports.
Company Response:
State: WA
Zip: 98208
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
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 created a charge with XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$500.00} and it was supposed to be {$5.00} for a robo call in XXXX. I have contacted XXXX several times, but they have not issued a refund. I contacted Marcus to dispute the charge. I sent Marcus all the information. Marcus initially credited me my money back, then they reversed the transaction. Im not sure what else to do- it was a typo. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have about {$14000.00} in my XXXX XXXX 's " XXXX XXXX. '' I have been trying to withdraw for over XXXX weeks now. I've called and called and called. I have been told they can't verify my mobile number, saying it's a prepaid phone number. This is my only mobile number. This is wrong, almost sounds weak to me. I have a post paid XXXX XXXX number and I haven't ported my number recently. I've had this mobile number since 2011. " We can't send validation codes to prepaid phones, '' I was told. I replied, " It's NOT a prepaid phone line, I have post-paid XXXX XXXX '' Nonetheless, I offer any other information to jump through this hoop. " Nope, that's the only way, but I'll file a case for you and someone will call you back. '' After XXXX weeks and numerous follow-up calls, I keep getting the " I'll file case and someone will call you back. '' I'm extremely frustrated since I keep hitting this brick wall. I need part of this $ for a car down payment. No one at XXXX seems to care. This is my money, I've offered any validation data they need, if it's indeed a security issue. I feel they don't want to give me my money, honestly. What gives??!?!?! Please, please help My, again MY money is being held hostage for no reason!!! No one will actually help me resolve this and the issue ( from what I've been told ) seems to be on their part. MY PHONE NUMBER IS NOT PREPAID. Nonetheless, there should be other alternatives for validation. XXXX " XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
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: Sunday, XX/XX/XXXX, my Apple credit card balance was around {$510.00} ; I paid {$390.00} towards the card to pay the remaining balance off in the coming week, possibly even the week after. The original balance, which was {$510.00}, which was due on the XXXX XXXX XXXX. However, I am a full-time XXXXt and do not want to be against the wall in credit card payments so close to the end of my XXXX XXXX, so I like to pay off my cards on time and have never had any issues with any of my cards until now. As I said, I paid {$390.00} towards the card but was charged twice instead of just once due to a glitch on behalf of Apple 's system. My original thought was that since XXXX times two is well over the XXXX dollar balance on the card, on top of the fact that only ONE of the XXXX dollar payments was taken off the credit, I believed that Apple would recognize the error and waiver the payment and forget about it, I was wrong to assume this. Come Tuesday, XX/XX/XXXX, I got an email stating that my bank account balance was at an overdrawn number of - {$340.00} and some change ; my balance before I made the payment to Apple was in the mid XXXX, so there was no reason for my account to be overdrawn after making ONE payment of XXXX dollars. I first asked for full reimbursement of the XXXX dollars, and I was told I would receive the XXXX dollars that I was falsely charged, and this did happen today, XX/XX/XXXX ; I see that I received the XXXX dollars in my bank account, but my card balance is XXXX dollars over what it should be, meaning that the XXXX dollars I never paid for but was charged for anyways have suddenly magically appeared into existence. My frustration is with the lack of a solution and the inability to fix the simple issue of Apple 's credit card system.
Company Response:
State: FL
Zip: 33406
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023 I received a late fee and interest on my credit card ( gm rewards card Marcus by Goldman Sachs ). I had previously called and requested a statement for the month of XXXX ( which I never received ), I received a letter with a copy of my statement ( the due date was XX/XX/2023, the date on the letter is XX/XX/2023 ), I have never had a problem receiving my statements in the past, I called 3 different times over 2 months before I received the first copy, I paid by phone the statement balance on XX/XX/2023, I was told they would remove the late fee because they could see where I had called twice asking for my statement, on XX/XX/2023 I received a statement with late fees and interest, I called and questioned the charges ( there has been no activity on this credit card since XXXX ) I was told I had to pay the late fee and interest on the late fee!
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Apple closed my account for regulatory reasons and will not disclose what those reasons are. Ive never had a late payment or received any notice from them. The Apple Card is issued by Goldman Sachs. Id like to know specifically what the reason was. This closure will affect my credit score negatively.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
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: To Whom It May Concern, I purchased an XXXX at the XXXX XXXX XXXX Ca. on XXXX XXXX and I represented my XXXX card for payment. The well programmed sales person offered me an Apple Card instead for a change in discount! So I was surprised with a Goldman Sachs XXXX account unwillingly! Also a difficult option to decline and back to XXXX! Following my intuition on the unwanted CC, I returned the XXXX in the unopened box to XXXX XXXX XXXX store on XX/XX/2013, which caught the recipient sales person 's attention, " You haven't even opened the box yet ''! A well meditated receipt that will fade out in no time at all and a recycling fee add on for nothing to be recycled on top of all was an enough red flag already! My intuition had served me right! I received an email yesterday from Apple Card Support asking for {$42.00} initial payment of the taxes, marked passed due and subject of reporting to Credit Bureaus THREAT! As if it matters to a man of XXXX, The XXXX! Lol So I called the customer service provided number XXXX XXXX and a respondent female HUNG UP on me when I said '' That XXXX was returned ''! She had a crying baby in the background! Today I receive another email to view my statement of the charges! I DID NOT! Note : That I had asked for my Gold [ MAN ] Sachs card to be CLOSED UPON RETURNING the XXXX! Is this GoldMan Sachs Bank Apple Card a SCAM OPERATION, or FRAUD?
Company Response:
State: CA
Zip: 92308
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Apple Credit Card ( via Goldman Sachs ) is refusing my request to send recurring paper statements for my Apple Credit Card Account. I believe their policy is in violation of the E-SIGN act, and may also be in violation Truth in Lending Act. I have screenshots confirming this policy.
Company Response:
State: WA
Zip: 991XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A