Date Received: 2023-05-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Payment was sent as usual. Last month it took only 3 days for payment to clear after mailing. This time it took over a week with payment posting one day after due date triggering fees. I always pay before due. XXXX refused to adjust for the delay in posting my payment. I disputed the fees and requested an appeal. They stated they had a right to charge the fees. I disputed their timeliness of posting my payment. We are at an impass and they continue to add fees every month now totaling {$160.00} Ive been a card holder for approximately 30 years with the bank administering the card card changing several times. XXXX by Goldman Sachs has to be the worst.
Company Response:
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Getting the loan
Subissue:
Consumer Complaint: On XX/XX/12 a service company I was working with offered to finance the cost of the service through GreenSky. Unknown to me at the time, the vendor submitted my information to Greensky and had ben directed to acknowledge legal statements on my behalf. This resulted in an approved appliation for which I had not been provided the terms. At the same time I was being asked to accept and agree to the loan terms. On contacting Greensky I reached a person who directed me to click on the loan acceptance link in their email without providing the loan agreement for me to review. When I pointed out that the text of their email and the information on their website both state that taking the action of clicking on the 'Acitvate Your Loan ' as he was directing me to do, has the effect, according to their documentation, of accpeting the terms of the loan. The agent begam beligerant when I pointed this out and stated that I was not listening to him ; asking me to trust his word over the printed terms. Furthermore, he refused to allow me to speak to a supervisor, and disconnected the call when I insisted.
Company Response:
State: AZ
Zip: 85268
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recently opened an XXXX XXXX account and when moving about {$990.00} over to another bank account it locked and then after an hour over the phone with them I got it unlocked. When I asked the lady if I could transfer the money over again she said I could and then a day later it locked again. I don't have access to my account now and the money hasn't been transferred to my main bank account so I have no idea where my money is as the balance now shows {$0.00} and Im tired of spending a second more on the phone with them. Every time I talk to support through text all they do is tell me to call. I don't know if you all can help me with this but Id really appreciate it.
Company Response:
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was eligible for about {$800.00} worth of mygmrewards. I wanted to use them toward my credit card balance, but they would only show up in eligibility and would never transfer over to be useable. I called mygmrewards more than 10 times over the last year, held for hours, and I am always told " It has been escalated, and we can't do anything about it until the team ( whichever tier they claim it was escalated to that day ) is finished with the escalation. A few months into this issue, they just completely removed all of my rewards and didn't credit anything. I still get the same answer every time I call them, and they refuse to allow me to speak to anyone higher than a team lead.
Company Response:
State: TX
Zip: 75041
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: After transferring {$80000.00} to Apple Savings XXXX XXXX, by XXXX XXXX ), I decided to move the funds back to my XXXX XXXX XXXX account. The transfer was made on XX/XX/23 and was supposed to take 3 business days to clear. On XX/XX/23 the transaction has still not cleared. XXXX XXXX XXXX hasnt seen any attempt to transfer the funds. Apple Savings still shows the transfer as in progress. The funds no longer show up in my balance. It is like {$80.00} disappeared into a void. I have spent an hour on the phone with Apple Savings specialists at XXXX. They were extremely unhelpful and even tried to shift the problem to XXXX XXXX XXXX. I was supposed to receive a follow up call on XXXX with additional help and nobody called. Furthermore, I would like to note that I received zero communications or alerts about the status of my transfer. Given the amount of funds, this feels very irresponsible.
Company Response:
State: IL
Zip: 60035
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I want to file a complaint against Marcus by Goldman Sach. in XX/XX/2023 I received a promotional offer from Goldman, it said if I open a new savings account and deposit {$100000.00} and stay there for 90 days, I would get a {$100.00} bonus, I opened one on XXXX XXXX and deposited {$10000.00} into the account and has been staying there until now ( more than 90 days ), but so far I haven't seen any bonus deposited into my account, I have complained a few times to Goldman in the last 10 days but they still refused to honor the promotion
Company Response:
State: NY
Zip: 143XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
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: Filed a dispute for XXXX and XXXX. The company Goldman Sachs can not respond with consistent information I get no or different information each contact Representatives only know how to file a dispute whether I approve or not. I have written a letter had to call for them to tell me they responded. Never got a response before calling. One part the XXXX. XXXX was approved but not the XXXX. Nobody knows what is going on. Also Sent payment told by two reps it would be applied to balance only this didnt happen called no explanation other than Im sorry. This is sad. I have never ever endured this with a credit card company. Their customer service is horrible and inconsistent please get my XXXX refund which they have out on a new payment plan The purchase was made in XXXX of XXXX. I have already paid this. How can one start a payment plan in XXXX for a XXXX purchase. Please assist
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23 I requested Marcus Bank ( Goldman Sachs ) to wire transfer {$250000.00} to an external bank XXXX XXXX. My account allows 6 external transfers per month and I have not made any external transfers this month. About XXXX hours later I received a call from Marcus and I was told that they would not wire that $ XXXX because I was supposed to be saving that money in their bank and not transferring it. ( Im not making this up ) They then said I would need to transfer all my savings back to the banks that I used to credit my Marcus account. They said I must transfer {$43000.00} back to XXXX bank, {$1800.00} back to Bask bank and {$200000.00} to XXXX XXXX. Marcus continues to hold {$250000.00} in my fully funded account. I have no idea what the are doing and the actions of Marcus bank are not making any sense.
Company Response:
State: OR
Zip: 97504
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a new savings account via apple with Goldman Sachs. I had over 3 years the apple card credit card from Goldman Sachs without any issues. I made deposits with my money and it was successfully added to my account balance. So I also scheduled my credit card payments to this account. There is enough money in my account to cover the payments. Unfortunately it got declined and my account became restricted. I contacted the customer support several times and spend hours in the support line of Goldman Sachs. Unfortunately none of Agents was able to solve my issue.
Company Response:
State: TN
Zip: 37931
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I opened an Apple Savings account and deposited money from two external accounts. On XX/XX/2023, I requested a withdrawal from Apple Savings to one of the accounts I had deposited from. The Wallet app ( where customers can manage the account ) said the transaction would take 1-3 business days. After 5 business days, on XX/XX/2023, I contacted the Apple Savings support team via chat to inquire about the transaction. I was told I had to call in to solve such issues. When I called the number I was given over the chat ( XXXX XXXX XXXX XXXX ), the representative couldn't populate my account on the system. I tried this several times over 4-5 hours. The support could only access my account after I called the same phone number and requested to speak with Apple Card support, which transferred me to the specialty department and Apple Savings. At last, the attendant told me the transfer would be canceled and my money would be back in my account within 48 hours. On the next day, XX/XX/2023, I requested to verify a new external bank account I added, hoping I could use it for a more timely transfer. I face an issue with troubles verifying my account. I ultimately gave up, but one attendant guaranteed my money was on its way back to my Apple Savings account. On XX/XX/2023, the day my Apple Savings account should've been funded, I saw no balance on my account. After reaching out to chat support, I was told the transfer was never canceled and I should wait another 5 business days for the money to appear in my external bank account. At that point, I realized the company stole my money and was just creating excuses, hoping I'd wait until I forget about these transactions. Despite all these lies here mentioned, some attendants said my Apple Savings account was linked to my Apple Card, while Apple Card support said the opposite.
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A