Date Received: 2023-05-28
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I utilized a 0 % offer from Apple to purchase my son a laptop for college. The installment plan was managed by Goldman Sachs through Apple Card. The transaction confirmation and receipt was sent to the email address I requested to use for this purchase ( at purchase, they asked for an email address ). But the bill was sent to an email address I don't use ( an old email address I used when signing up with Apple/Apple ID. ) I did not receive the bill for several months. Once I found out about it, I immediately made the account current. -- Goldman Sachs, through Apple Card, reported a missed payment to the credit bureaus despite the fact that they did not properly send the bill to me. -- Once paid, it took 3 months for Goldman Sachs to report to the credit bureaus that the payment had been made. -- My credit score plummeted 80 points as a result of this. It has not recovered. -- I attempted to resolve it through a dispute with the credit reporting agency and by contacting Goldman directly. Goldman refuses to resolve it. -- In sum, Goldman makes errors with impunity ( 3 months to report payment ), while I am penalized for not paying a bill I did not receive.
Company Response:
State: VA
Zip: 24018
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Fraud. Someone opened Goldman Sachs credit card stealing my identity. Reported balance is {$11000.00} I reported to XXXX on XX/XX/23 No action yet taken from both Goldman Sachs nor XXXX. Froze all credit reporting agencies.
Company Response:
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Getting the loan
Subissue:
Consumer Complaint: On XX/XX/XXXX I went to XXXX XXXX at XXXX XXXX XXXX in XXXX, California for a consultation. The staff member I met with proposed a service package and price. I was uncomfortable with the price and told her that I could not afford it. She responded by offering an installment payment plan through a third-party company called Greensky. I asked multiple times to confirm that it was NOT a loan product and it would NOT be attached to my personal credit. It was simply an alternative payment option to pay over time as I attended my treatment sessions. I agreed to this payment option. A couple weeks later the COVID pandemic began and XXXX XXXX suspended services. I was ( and still am ) a XXXX XXXX worker working directly with XXXX XXXX patients. When XXXX XXXX reopened it was not safe for me to expose myself, XXXX XXXX staff, or my patients to illness for an optional cosmetic procedure. I informed them that I was suspending my service indefinitely and cancelled my appointments. They understood and did not have an issue with this. Greensky frequently sent me bills in the mail for these services that I was not receiving. When I would call the numbers on the bills to explain the situation, I could not get through to them. They continued to send bills for services that I was not receiving. Eventually they acknowledged my issue and established internal case number XXXX. Screenshot attached. To my knowledge I never received another update on this case, and I'm not convinced that it was given true consideration or resourcing. On XX/XX/XXXX they sent notice that a " temporary suspension of payment obligations on your Patient Solutions loan due to the COVID-19 pandemic '' would end on XX/XX/XXXX. Yet during this same period of XXXX - XXXX, XXXX they were actively reporting that my ( unauthorized ) payment obligations were past due to credit bureaus. I've attached screenshots documenting this. This month I became aware that this derogatory mark for late payments is still on my credit report, which has harmed my ability to pre-qualify for loans, increase my credit limit, and qualify for rental housing, among other issues. Upon researching Greensky I became aware that they have frequently engaged in nefarious business practices just like the fraud I've experienced, as documented in GREAT detail in a XX/XX/XXXX Consent Order File No. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94117
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX XXXX has a massive reputation by now that they hold your funds XXXX if you try to transfer out to another bank. The wallet app on XXXX will tell you the transfer is pending and that it will take 1-3 days. The truth is, however, they are putting a hold on the transfer pending verification. There are no indications of this nor any email or notifications to resolve the hold. As a customer, I only found out that more than 5 days have passed and my money still hasn't arrived. I contact XXXX XXXX customer support and they asked me to call a number. The customer support on that number then asks me to verify some things. I did. Then they tell me my transfer is now in " review '' status. They can't tell me what that entails or what will happen at this point. They can't tell me whether my money will proceed or when I can expect it to show up. The problem for me now is that it's the XXXX, and all my autopay for my credit cards are hitting my Ally Checking account. I do not have sufficient funds. All my credit card payments will bounce for having no balance, and I will have late fees and ruined credit history. XXXX XXXX with Goldman Sachs is a scam and they should be held liable.
Company Response:
State: CA
Zip: 94523
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/23 I opened a Marcus Savings account with a promotion : " After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Account within 10 calendar days of enrollment ( the Funding Period ). The Account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ) must be maintained in your Account for 90 consecutive days from the end of the Funding Period. The Account balance is based on the starting current balance reflected on your account at XXXX XXXX ET the day you enroll. Once the Funding Period has ended, your Account balance may not drop below the Required Dollar Amount at any point until after the 90 consecutive days have passed. You may make multiple deposits within the Funding Period to reach the Required Dollar Amount. Internal transfers do not count for purposes of this Offer. If you choose to enroll a different Marcus Online Savings Account in this Offer, you must deposit {$10000.00} or more in new funds from an external account into the newly enrolled Account within 10 calendar days of enrollment in this Offer, even if you reached the Required Dollar Amount in a previously enrolled account '' Based on the 90 day figure, XX/XX/XXXX should be the maintenance day. It is not. See the screenshot on the day I opened the account, it says to maintain by XX/XX/XXXX! Then, I logged into my account this morning, XX/XX/XXXX, and the terms changed to XX/XX/XXXX! DOUBLE-CHECK THE TERMS AND KEEP TRACK OF DATES WITH MARCUS. WHO IS TO SAY MARCUS WILL NOT KEEP ADDING TIME INDEFINITELY SO THEY CAN KEEP YOUR MONEY LONGER WITHOUT PAYING THE BONUS TO YOU?!
Company Response:
State: NJ
Zip: 08619
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
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 had a charge on my credit card at Goldman Sachs for XXXX on my Apple Card, I have disputed this TWICE with Goldman Sachs they keep asking me for verifying documents but like I have told them XXXX times I didn't charge this I have never been to this establishment. Then this week I got a email that said they sided with the merchant so now I have a charge for XXXX that I have to pay even though I never used my card at that merchant. In reference to the card user agreement I can not be charged for fraudulent services.
Company Response:
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I am writing to formally lodge a complaint against Apple Card and its banking partner, Goldman Sachs, due to the inexplicable and repeated restrictions placed on my Apple Credit Card and Apple Savings Account. The restrictions have not only caused me undue stress and inconvenience but have also resulted in the unwarranted withholding of my own funds. Starting from XX/XX/2023, my Apple Credit Card has been restricted three times, with each instance leaving me in an extremely difficult position. Subsequently, my Apple Savings Account was also restricted. Upon contacting the company, I was informed that my accounts were under review, a process they claimed would take a maximum of ten business days. However, today marks the end of the third week since the initial restrictions were placed, and no resolutions have been offered or intimated to me. I have made numerous attempts to rectify this situation through Apple Card 's customer service and the corresponding department, yet these attempts have proven to be futile. My requests for a legitimate reason for the restrictions imposed have been consistently ignored or inadequately answered. Despite my diligent efforts in escalating my case four times in conjunction with both Apple Card and Goldman Sachs ' team, the responses I received were generic and non-committal. This lack of concrete communication and action from their side has put me in an undesirable position where my own funds are effectively inaccessible to me. Thank you in advance for your prompt attention to this matter. I trust that you will act decisively to uphold my rights as a consumer and help me regain control of my financial resources.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I successfully withdrew {$1700.00} from this savings account to my personal checking. On XX/XX/2023, I tried withdrawing {$4000.00}. The amount was deducted from my available balance and shows on my account as " In Progress, '' has remained as such for over 10 days now. The account says withdrawals should take 1-3 business days, but this is taking much longer. On XX/XX/2023, I missed a call from Goldman Sachs. They didn't give any details except to call them back. I called them back later that day, and the agent couldn't tell me what the missed call was about. I asked about the {$4000.00} withdrawal still showing pending, and I was transferred 3 times over 30 minutes before I was told that they need to verify my identity before they can release the funds. They then said they couldn't send a verification PIN to my phone because their system says my phone is inactive, even though I'm currently speaking to them on that same phone. They said they'll submit an internal request to review the transaction and the call ended. On XX/XX/2023, I called support again. I was on the phone with them for 14 minutes, and then they dropped the call. I called again, was transferred yet again, and this time they said the withdrawal is on hold due to security review, even though I received no notice and it doesn't show as such on my end. Once again, they said they need to verify my identity via one-time phone PIN, and then said they can't because my number is inactive, even though - again - I'm calling on that same phone. I asked if there's any other way to verify and they said no. They said to call XXXX XXXX XXXX to make my number active, even though I'm literally speaking to them on the same phone, and have had no issues with one-time code messages in the past. Again, they said they'll have to do a manual review. They said it can take 24-48 hours, and they may decide to deny the withdrawal. Meanwhile there is nothing I can do, and presumably the money I withdrew isn't accumulating interest, nor do I have access to it, with no reasonable way to solve the problem.
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened an account with XXXX by Goldamn Sachs on XX/XX/XXXX. This account had a signup bonus of {$100.00} if I kept {$10000.00} in the account for 90 days from the date of deposit. I deposited the required funds on XX/XX/XXXX, realized I messed up on not activating the signup offer first and did a reversal on XX/XX/XXXX, activated the offer that same day, and re-deposited the {$10000.00} on XX/XX/XXXX. These funds havent been touched since. More than 90 days have passed and XXXX has not paid out the {$100.00} bonus that I shouldve been eligible for already. I contacted XXXX on XXXX and the agent I spoke to said she would open a case for me and it would take 3 business days to resolve. On XX/XX/XXXX I contacted XXXX over the phone for an update and they said that they removed the offer from my account in error and that with the case being open theres nothing they could do as there was no other update at that time. Ive contacted XXXX 2 more times since and I keep being given the constant run-around, agents regurgitating the same message that case is still being reviewed every time Ive contacted support since. A supervisor I spoke to last time said that the bonus would be credited manually but that there is no timetable for that. XXXX has failed to meet the terms of the signup offer for my XXXX savings account and at this point I dont know what else to do.
Company Response:
State: MA
Zip: 02145
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
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 provided a legitimate XXXX drop off receipt showing that I returned the 2 items in the order I disputed with Goldman Sachs Apple Card against merchant babylist for order XXXX. Babylist claimed that the items were not returnable but according to their return policy they are for up to 9 months and also I have an email where they CONFIRM processing my return request so it was returnable in fact. My XXXX drop off receipt I provided shows the items I returned XXXX the prepaid return label they gave me and they weighed 75 pounds. This is for dispute XXXX.
Company Response:
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A