Date Received: 2023-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had initiated a withdrawal from my Apple savings account which is sponsored by Goldman Sachs. I had initiated a transfer on XX/XX/XXXX at XXXX XXXX and on XXXX XX/XX/XXXX, i called Goldman Sachs to inquire the status of my withdrawal. They stated it's still in a review process. Therefore, i called them late evening and they gave me three different answers. First answer was that they needed to verify my bank account. Which i did by doing a conference call with Goldman Sachs and my transferring bank XXXX XXXX XXXX XXXX. Thereafter, they told me that i am all set and my money would be transferred to XXXX XXXX XXXX XXXX. Thereafter i called again to get a status on same evening, they stated that it's still in a review process. I told them that my other bank ( XXXX ) account was verified and they had told me that my money would be transferred. They basically said " Sorry '' but we can't help you. I asked them to talk to supervisor, they stated they do not have a supervisor or managers. They are busy, till today XX/XX/2023, i haven't heard back from any supervisor or manager. Third answer i received was that i can't get my money because i wasn't transferring out to the same back as the money came in from. Therefore, i called them on XX/XX/XXXX morning and by that time my transaction was showing as " Declined ''. Therefore, they advised that i initiate a new transfer. Therefore, i did a new transfer. I need this money to put a down payment for our new home. This postponed our closing on XX/XX/XXXX. My household good had to be delayed as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to reschedule handyman, appliance delivery, window and door installation. This has caused us a significant amount of stress by them not providing an accurate answer to get our money.
Company Response:
State: MA
Zip: 014XX
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: Problem with balance transfer
Consumer Complaint: I requested a balance transfer from my XXXX XXXX Credit card, for {$13000.00} on XX/XX/2023 to my Apple Goldman Sachs Mastercard. However, I made a mistake as there was no balance due on this card ( the balance due was on a different card ), with a result of a credit of {$13000.00}. I called Goldman Sachs to have this balance refunded or sent back to XXXX XXXX. They refused, they said the it was frozen by the fraud department. I called several times but they refused to allow me to submit any documentation to show the transfer was legitimate. They said their fraud department does not talk to consumers.
Company Response:
State: MA
Zip: 01002
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have become aware that Apple Card continues to excessively violate my consumer rights. I have had multiple encounters with Apple Card and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation. I did not give my consent or authorize them to furnish my nonpublic personal information. This behavior constitutes dead-right fraud and violates consumer protection laws. Apple Card has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous CALLS, EMAILS, ETC constitutes HARASSMENT AND ABUSE, which is also a violation of the law. Per the FDCPA, it is a {$1000.00} fee per violation! Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a 20-year prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. Account Number : XXXX
Company Response:
State: GA
Zip: 30305
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: 2023-06-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My name is XXXX XXXX My address in XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX My Apple Credit Card issued thru Goldman Sachs was restricted and no follow up from company has been received. I spoke with Apple Card support and they gave me no reasoning why my account was restricted. They also have not returned my call or offered any solution for this issue. I have had this account open for over 2 years never missed a payment, I am a great customer and this is how they choose to treat a loyal client. I would kindly like to ask that my account be unrestricted and charging privileges reinstated. This is my favorite credit card and I would love to be able to start using it again.
Company Response:
State: NM
Zip: 87124
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 XXXX, I received the notification about an unrecognized transaction in the amount of {$1300.00} by Apple Store online and will be pick up in the store. At XXXX, I reached out to the Goldman Sachs Apple card support team and told them about this. The specialist put on dispute for me and replaced my card. That's all they did. Few days later, the purchased item, which was an XXXX XXXX XXXX XXXX deep purple XXXX was picked up by someone ( using my identity ). After two months ( XX/XX/2023 ), I received an email saying that the disputed transaction was rebilled and sent me a report saying that the purchase information was by me ( my name, address, and billing address ). The person used guest checkout, and I didn't even realize what item was purchased until I saw the report. Of course it would show MY INFORMATION because this person stole my personal information and impersonated me. I tried to dispute again and hoping that they would do further investigation on it to prove that I didn't make the purchase, but they didn't and the bill came again after two months ( XX/XX/2023 ). They could of checked the store surveillance camera to see who really picked up the item or even see who is using that phone, which can definitely prove that it WAS NOT ME. Now they are saying that " it's been awhile and there's nothing much we can do. ", which is basically telling me that " we can't do anything, you have to take the responsibility on your own, and we don't care about you paying for something that YOU DID NOT PURCHASED. '' No other banks do that. If the Goldman Sachs support team did something to put " on hold '' to that transaction or notify the Apple employees about the transaction when I first reported that unrecognized purchase, so that they could be more cautious about checking IDs before giving the items out, nothing like this would of happened. I know that they just don't want to do the job. They just give you a solution by the report they see and gives all the stress to you. It's very unfair to me, and it's very disappointing for a loyal Apple user who has been using Apple products for over 10 years. I've NEVER had such hard time and difficulty on disputing before ....
Company Response:
State: NY
Zip: 11354
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This was open fraudulently
Company Response:
State: TX
Zip: 76201
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: Managing an account
Subissue: Banking errors
Consumer Complaint: Marcus XXXX XXXX advertised a promotion that said to add {$10000.00} to Saving account for 90 days and they would credit account {$100.00} bonus. I did that and kept added funds in savings account for 91 days before moving some of it to a Marcus CD. I called Marcus to ask why I never received the bonus I was told it needed to stay in account 90 plus 10 additional days. Some of the Marcus advertisements do not mention the additional 10 day requirement. In addition many of the financial bloggers that promote this offer do not mention the added 10 days either. The fine print is so complicated that many people cant understand it. Marcus advertise the 90 days, not 100 days.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Marcus by Goldman Sachs advertises a referral bonus of 1.00 % for both an existing deposit customer and a new customer when a new customer opens an Online Savings Account ( OSA ) or CD. Existing customers are provided with a link that can be sent via text or email to a prospective customer. " As an existing Marcus deposits customer, you can receive a promotional Marcus Referred Rate ( defined below ) on all of your Marcus Online Savings Account ( XXXX ) ( each an OSA ) after a New Customer ( defined below ) opens a new OSA or Certificate of Deposit ( CD ) using your unique referral link ( a Successful Referral ). '' This is seemingly a deceptive practice when an existing customer without an OSA and only a CD ( for example ) is provided with this link to refer a new customer given that the referral rate bonus of 1.00 % can not be provided on a CD. The link should not be offered if an existing customer does not have an OSA. Also, for a new customer that intends to only open a CD, the 1.00 % bonus will not apply or in the case of a new customer that opens both a CD and an OSA, the referral bonus will not apply for a new customer that opens a CD first and then opens an OSA shortly thereafter because Marcus then views that person as an existing customer ( because the CD was opened first, which was my scenario ). On XX/XX/, I was referred to Marcus by an existing customer ( my fiance ) that owns CDs and OSAs with Marcus. I opened the CD on XX/XX/ before the OSA. When attempting to use the referral link on XXXX to open the OSA during the same online session, I was provided with an error message that the referral bonus would not apply because I was not a " new customer '' ( having opened the CD first ). On XXXX I sent a referral link ( as an existing customer ) to my younger brother who used the link to open an OSA as a new Marcus customer. He advised me on XX/XX/ that he opened a new OSA with the referral link and I immediately opened a new OSA with Marcus in hopes that I would receive the 1.00 % referral bonus too. At the time of opening an OSA, I only had a CD with Marcus ( opened on XXXX ). On XXXX I called into Marcus because my fiance and I did not see the referral bonus added to our accounts. The representative, XXXX, asked me for the unique code from the referral link in order to have a supervisor apply the referral bonus to my fiance 's OSA ( based on activity from XX/XX/ ). She advised me that she could not add the referral bonus as a " new customer '' to my OSA since I had opened the CD first and was not deemed a " new customer '' for the purposes of receiving the bonus on my OSA as a new customer. I asked her about receiving the bonus on my OSA as an existing customer because my younger brother opened a new OSA on XXXX She advised that my brother would need to call into Marcus with the unique code from the referral link in order to have the referral bonus manually added to my OSA ( also opened on XXXX ). My brother advised that he saw the referral bonus on his end but was told by Marcus ( via phone call ) that the referral rate could not be manually added to my OSA because the bonus is added automatically. I called back to Marcus to see if the referral bonus could manually be added to my OSA ( as an existing customer bonus ). I was told by a supervisor that since my OSA was not open and active at the time my brother had opened his OSA as a new customer ( albeit later that same day, which seems a ridiculous technicality ) that the referral bonus for an existing customer could not be applied ( see Terms language below under the General section ). This language is in the full terms for the offer. One must click on a link to see the additional terms of the offer which are not made apparent in the larger advertisement and is in my opinion deceptive to new and existing customers. " TMarcus by Goldman Sachs Referral Program Terms Existing Customers As an existing Marcus deposits customer, you can receive a promotional Marcus Referred Rate ( defined below ) on all of your Marcus Online Savings Account ( s ) ( each an OSA ) after a New Customer ( defined below ) opens a new OSA or Certificate of Deposit ( CD ) using your unique referral link ( a Successful Referral ). Adding a joint owner to an existing OSA will not count as a Successful Referral. Your unique referral link will be accessible in the Marcus Referred Center. You can access the Marcus Referred Center by logging in and selecting Marcus Referred in the menu at the upper right corner of any page. After a Successful Referral, all of your existing OSAs will earn a promotional Annual Percentage Yield ( APY ) increase that is a specific percentage higher than the stated APY available at www.marcus.com for a period of 3 months ( Marcus Referred Rate ). To determine the APY increase for the applicable 3-month period, please refer to the Online Savings Account Referral Page [ marcus.com/referrals ]. If the Successful Referral occurs before XXXX XXXX XXXX, you will receive the APY increase reflected on the Online Savings Account Referral Page on the day of the Successful Referral. If the Successful Referral occurs after XXXX XXXX XXXX, you will receive the APY increase reflected on the Online Savings Account Referral Page on the day after the Successful Referral. You must have an OSA at the time of a Successful Referral to earn a Marcus Referred Rate. New OSAs opened after a Successful Referral may also be eligible for a Marcus Referred Rate, as further detailed in the General section below. A Marcus Referred Rate will automatically start within 1 business day following a Successful Referral. Jointly owned OSAs may receive a Marcus Referred Rate through the Successful Referral of any account owner, but individual Marcus Referred Rate maximums still apply. The dates associated with the 3-month period of a Marcus Referred Rate on your individually owned OSAs may differ from that on your jointly owned OSAs. New Customers If you have not had a Marcus OSA or CD in the last 12 months ( a New Customer ), you can receive a Marcus Referred Rate when you use an existing customers unique referral link to open a new OSA. You will receive your Marcus Referred Rate for a period of 3 months, within 1 business day of when your OSA is opened using an existing customers unique referral link. New jointly owned OSAs opened through a unique referral link can receive a Marcus Referred Rate, provided that all account owners at the time of account opening are New Customers. The Marcus Referred Rate earned as a New Customer will not count towards your referral maximums ( see General section below for more information regarding maximums ). By using an existing customers unique referral link to open an account, you acknowledge that the customer whose unique referral link you use may know that you opened a Marcus account and when. If you wish to avoid this, do not sign up for a Marcus account through a unique referral link. General To receive a Marcus Referred Rate, your OSAs must be open and in good standing. CDs are not eligible to receive any APY promotional rates through Marcus Referred. You can see the status of all your earned Marcus Referred Rates in the Marcus Referred Center at any time. If you open new OSAs while any of your existing OSAs are receiving a Marcus Referred Rate, we will apply the Marcus Referred Rate to your new OSAs. You will receive the Marcus Referred Rate through the latest expiration date of your then-current Marcus Referred Rate. If any joint owner of a jointly owned OSA is currently receiving a Marcus Referred Rate when a new jointly owned OSA is opened, that jointly owned OSA will receive a Marcus Referred Rate through the latest expiration date of an active Marcus Referred Rate associated with any one joint owner under the terms and conditions of that Promotional Rate. Subsequent Marcus Referred Rates earned by any joint owner will result in an accrual of additional 3-month Marcus Referred Rates, each to be applied consecutively. The Successful Referral of any one owner on a jointly owned OSA will only be applied towards that owners individual Marcus Referred Rate maximum. Marcus Referred Rates may only be combined with other non-referral promotional offers available to Marcus customers. You can earn a maximum combined total of 5 Marcus Referred Rates under these Referral Program Terms and any other Marcus by Goldman Sachs referral programs in each calendar year. If you are already receiving a Marcus Referred Rate, the next Marcus Referred Rate you earn will begin on the day after your current Marcus Referred Rate expires based on the terms and conditions of that Marcus Referred Rate. Only one Marcus Referred Rate will be applied to your OSAs at any given time. Upon expiration of a Marcus Referred Rate, the APY on your OSA will automatically revert to the stated APY available at www.marcus.com. APY may change at any time, before or after an account is opened. Any other Marcus by Goldman Sachs referral programs will be treated as a separate referral program with separate terms, offer period, and/or benefits. We reserve the right to revoke or modify this program at any time without notice, which could include changing the type of promotion awarded or the amount of any promotional rate. If we determine that you have engaged in or plan to engage in abuse or gaming in connection with this offer, you will not be eligible for this offer. '' I asked for the supervisor to log this matter as a " complaint '' and to follow-up based on Marcus ' error resolution process. The supervisor responded that there would be no follow-up because Marcus is following the terms and conditions of the offer and that no further action was necessary.
Company Response:
State: VA
Zip: 22903
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 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/23 I placed an order ( XXXX ) on XXXX for a laptop and related accessories. The purchase was made on my AppleCard credit card. XXXX shipped XXXX packages, XXXX with the laptop and the other with accessories. The laptop was never delivered to me but the accessories were delivered. The laptop package was supposed to be delivered to my home but it was not. XXXX site ( tracking # XXXX ) indicates the package was diverted ( not at my request ) and delivered to a XXXX store in a neighboring town ( XXXX XXXX XXXX XXXX, XXXX, CA ) and that it was picked up there. At the same time that the laptop was apparently picked up in XXXX ( XX/XX/23 at XXXX ) the second package ( tracking # XXXX ) with accessories was delivered to my home where I accepted delivery in person at XXXX on XX/XX/23 ( this package shows as pending delivery on XXXX site ). I reported the theft of the laptop to the local police department and the police report was completed on XX/XX/23 ( case # XXXX ). I have tried to resolve this issue directly with XXXX numerous times since my initial call on XX/XX/23. Today, I called XXXX to obtain an update on my refund request and was told it was declined on XX/XX/23 and that it was communicated to me by email. I never received any written or verbal communication from XXXX that my refund had been denied until today. I am asking for a reversal of the credit card charge ( {$2400.00} plus tax ) and a refund of the payments I have made to date.
Company Response:
State: CA
Zip: 91107
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited {$400000.00} by check into an account at Marcus by Goldman Sachs. They took two weeks to clear the check even though the check cleared the originating bank in one day. Then, I was not allowed to withdraw funds. It's two weeks later, and I still can't access my funds.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A