Date Received: 2023-05-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Opened account with Marcus by Goldman Sachs on XX/XX/XXXX. They offered a {$100.00} deposit for depositing {$10000.00} within a 10 day deposit window ( current balance, which was starting at {$0.00}, plus $ XXXX must remain in the account for 90 days. The deposit window closed XX/XX/XXXX. On XX/XX/XXXX the account balance was {$10000.00} which included {$9.00} in interest ). Next deposit was XXXX XXXX, 13 days after the " funding period '' had closed. Some smaller withdrawls were made, but the account balance NEVER dropped below {$10000.00}. Several calls were made and several tickets opened with Marcus. Every time we were put on hold and told that the money should be in there soon and we met the requirements. Phone call XX/XX/XXXX Online Chat XX/XX/XXXX Tickets opened : XXXX, XXXX Was told by " XXXX '' on XX/XX/XXXX that all previous tickets and calls had been " closed without any notes ''. Were told on the XXXX that the money should be in our account XX/XX/XXXX. Full terms of the promotion : Offer valid from XX/XX/XXXX to XX/XX/XXXX ( the Offer Period ). To qualify for the {$100.00} Cash Bonus ( the Offer ), you must enroll a Marcus Online Savings Account ( Account ) in this Offer at https : //www.marcus.comXXXX or by calling Marcus at XXXX ( XXXX ) by XXXX XXXX ET on XX/XX/XXXX. Upon successful enrollment, you will receive a confirmation of your enrollment via email or U.S. mail. 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. The {$100.00} bonus will be deposited into your enrolled Account within 14 calendar days after fulfilling the above requirements. To receive your bonus, your Account must be open and in good standing at the time the bonus is deposited in your Account. The bonus will be treated as interest for tax reporting purposes. Offer available to new and existing customers. Each customer is limited to one cash bonus under this Offer. This Offer can only be applied once to an account. If an Account has multiple owners, the Account is limited to being enrolled for this Offer under only one of the Account owners and receiving only one cash bonus. Remaining Account owners may be eligible to use another eligible Account to enroll in this Offer. This Offer may be combined with other promotional offers available to Marcus Online Savings Account customers. We reserve the right to modify or revoke this Offer at any time without notice. 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.
Company Response:
State: OH
Zip: 43085
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: 2023-05-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Subject : Complaint against Apple Card and Goldman Sachs Bank USA Dear Sir/Madam , I am writing to file a complaint against Apple Card and Goldman Sachs Bank USA regarding a fraudulent transaction that has been erroneously attributed to me. I have taken all necessary steps to resolve this matter with the companies involved, but they have failed to provide a satisfactory resolution. On XX/XX/XXXX, a fraudulent transaction was made on my Apple Card in the amount of {$1100.00}. As soon as I noticed the unauthorized charge, I promptly contacted Apple Card support and opened a dispute on XX/XX/XXXX. The charge was temporarily removed from my card while further investigation was conducted. However, to my surprise, on XX/XX/XXXX, the charge was added back to my statement. Apple Card and Goldman Sachs Bank USA claimed that after their investigation, they determined that the transaction was legitimate and made by me. This decision is unfounded and contrary to the evidence and information I have provided. Despite the assurance in an email from Apple Card and Goldman Sachs Bank USA that I have the right to see the information they gathered to make the decision, their customer service representatives have been unable to provide any details regarding the transaction. They could not inform me of the nature of the purchase, the shipping details, or the recipient 's information. The only information that I was given is that transaction was made in California and/or shipped somewhere to California. This lack of transparency raises serious concerns about the legitimacy of the transaction and the investigation conducted by the companies involved. Throughout this process, I contacted Apple support numerous times to request the promised link for uploading supporting documents. However, days later, I found out that three Apple support representatives gave me false information, apparently, the promised link does not exist and I was finally instructed by the fourth Apple Specialist to submit everything via the phone chat. The promised link that was supposed to be emailed to me is a myth and Apple Support Specialists seem to be not aware of that. On XX/XX/XXXX, I compiled all relevant documents demonstrating that I was not in California on XX/XX/XXXX, or any time thereafter. These documents include XXXX record screenshots showing my presence in XXXX, a hotel checkout receipt with the date ( XX/XX/XXXX ) and my name on it, a XXXX confirmation email, demonstrating that I was catching the flight from XXXX to XXXX that day, and my ID, which clearly indicates my address in XXXX, FL, not California. Today, on XX/XX/XXXX, I received another statement with the charge reinstated, stating that no error occurred and that I authorized the transaction. I want to emphasize that I did not make this transaction, nor did I authorize anyone to do so. I strongly disagree with their assessment, and I am unwilling to accept responsibility for someone else 's purchase. On a separate note and something that I have included in my communications with Apple Support, I am an avid Apple user, have numerous subscriptions, and bought numerous devices, including XXXX phones in the past year, everything has always been paid and paid on time. I also have impeccable credit and a spotless history with all and any financial institutions I ever had business with. The above behavior is out of character and if anything should have been taken under consideration by Goldman Sachs Bank USA, in addition to the hard evidence provided. In light of the unsatisfactory response from Apple Card and Goldman Sachs Bank USA, I hereby request the assistance of the Consumer Financial Protection Bureau in resolving this matter. I kindly request a thorough investigation into the fraudulent transaction and the actions taken by the companies involved. I trust that the CFPB will ensure a fair and just resolution, based on the evidence provided. Enclosed with this letter, you will find copies of the relevant documents, including XXXX record screenshots, a hotel checkout receipt, a XXXX flight confirmation letter, the entire " evidence '' file that was put together for Goldman Sachs Bank at the time of the dispute and my ID, which demonstrates my absence from California on XX/XX/XXXX, and my permanent residence in the state of Florida. These documents serve as crucial evidence supporting my claim of innocence. Thank you for your attention to this matter. I look forward to a prompt and thorough investigation by the Consumer Financial Protection Bureau. Sincerely, XXXX
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I previously had a issue with unauthorized charges in my account. I found out one of the charges were made by my XXXX ( a minor under XXXX ) that I adopted. I called in to inform apple that I wanted to cancel XXXX of the disputes. I was told that I couldn't because my account was under review. I have reached out several times to find out the status. I was told that XXXX of the agents placed pending deceased by my name. I'm horrified to know that verbiage is associated with my name, especially with me being healthy and alive. This issue is causing me delays with an upcoming vacation I had planned for the kids.
Company Response:
State: AL
Zip: 36609
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
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: My Apple Card was digitally connected to my phone. The Apple Card was connected to my XXXX XXXX XXXX account. When my XXXX XXXX XXXX account was closed, I was not allowed to update my banking information to pay my Apple Card payments. I tried calling, chatting to a representative and they dismissed me. I contacted Apple about it and they charged off my card without addressing my issue. It is very frustrating and unfair since they are going to affect my credit. Please help me. I am willing to pay my balance for charges I made, not any penalties enforced by them, because they did not allow me to update my banking information. It was a failure on their part
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I recently paid off my apple card and froze the account. Not too long after, there was a refund been credited to my account. So I have {$190.00} extra under my name. I reached out to their customer service. They suggested the only way to access that {$190.00} is to unfreeze the account and spend it. The thing is I don't want to spend it. I also asked them what if I close the account. They could not provide clear information regarding transfer this extra fund out.
Company Response:
State: IL
Zip: 62221
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been attempting to withdraw {$31000.00} from my apple savings account by Goldman Sachs since XX/XX/XXXX. The transaction has been in a pending withdrawal status for over one week. The banks website states that withdrawal request will be processed within 1 to 3 business days. When I have contacted customer service, they have communicated a five business day timeline. After several calls to customer service in which I was told to wait, a representative informed me on XX/XX/XXXX that my account was flagged and that a hold had been placed on my withdrawal because I had deposited additional funds in the accojnt from a different bank account than my original deposit. I was not notified of this hold. I was told that the flag was cleared and I could expect my funds within two business days, which still has not occurred. When I contacted customer service again on XX/XX/XXXX, because my funds have still not been transferred I was told there is no hold on the account and that I should see the funds transfer within five business days again. When I asked to be transferred to a supervisor. I was told I could only receive a call back and that they couldnt guarantee that I would receive a call back within 48 hours because call volumes were high. This bank has prevented access to my funds for going on 10 calendar days now and has given me no assurances as to when I can expect to receive access to my funds.
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response:
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I have attempted to apply for an Apple Card through Goldman Sachs 5 times. I have been rejected 4 times. After the second time I was told to contact a number of credit bureaus to correct any inconsistency in my records. I did so by calling XXXX who corrected my phone number. After the designated amount of time ( 5 business days ), I was directed to apply again so changes could reflect on the side of the bank. Thus I continued and applied again. Again I was rejected. I asked to raise a formal complaint and was promised to have attention to this by superior management. I did not receive any feedback. During my last call with XXXX on XX/XX/2023 I confirmed - verbally- all of my contact information, my social security number and my home address. He confirmed everything they had on their side matched my information which I provided. There seems to be no way to continue. I need answers. XXXX asked me a series of questions, listing out a variety of random addresses I have never been associated with. I need information as to what does not match. I have called the credit union. This is unacceptable.
Company Response:
State: UT
Zip: 84106
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
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: Goldman Sachs is giving insanely hard time trying to resolve a dispute against a XXXX charge on my Apple Credit Card from XX/XX/2022 ( latest dispute reference XXXX ). I only receive automated email requests from XXXX requesting same information over and over again and despite providing evidence supporting my case each time, the dispute goes nowhere. Unfortunately, XXXX ended up being a shady store and they just ordered the purchase I made from XXXX to my address under their account from XXXX. XXXX arrived in XXXX box and all, despite being XXXX purchase from my end. Furthermore, the item ended up being slightly different from what was listed on XXXX and consequently I returned it as per XXXX policy ( tracking number and return policy already provided to Goldman Sachs ). XXXX then refunded the charge to whatever payment method XXXX used to order the item to me, but XXXX never issued a refund to me as their customer. Now I am out of money and out of the item ordered and Goldman Sachs is not helping me to dispute this for a refund.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
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 was charged about {$5000.00} in " in-app purchases '' on my Apple Card ( credit card ). I was charged about 50 times between early XXXX and mid XXXX. Each transaction was in in the amount of {$99.00} plus tax. The app was XXXX ( a videogame on my son 's XXXX ). The transactions supposedly happened through Apple 's app store. My son has no access to make in-app purchases from the app store without me entering the password ( which didn't happen for any of those {$99.00} transactions ). I disputed the charges with Apple, and they decided that I was " ineligible for a refund ''. When I spoke with them on the phone, they said it was ruled that the merchant ( XXXX ) would issue the refund. I did get refunds for about 10 of the 50-some transactions, and the charges for the remaining 40 remain on my statement. I need them to refund the whole amount.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A