Date Received: 2023-05-11
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I submitted on Sunday XX/XX/XXXX through the Apple wallet a transfer from the Apple Savings account to my linked checking account. It said it would take 1-3 business days. On day 4 the company has not sent the funds to my bank, and they are not accessible to me. They keep putting me on hold when I call and avoiding sending my money.
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
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I initiated a withdrawal of {$100000.00} on XXXX from my Apple savings account by Goldman Sachs ; the transaction said in progress but nothing was moved. By XXXX I started calling customer service. At first they said they saw no issue that the external account was verified and that I should receive my money no later than Monday XXXX. On XXXX still no money and I contacted the receiving bank, XXXX, and they said there is no sign of any pending transaction or anything initiated. I called the GS customer service on XXXX and they said that I needed to talk to the fraud department. I told them to close the account and that I didnt trust the bank. It took me XXXX hours to get the fraud department, they sent a pin to my phone and she claimed she had fixed the verification and that they needed the back office to release the funds and she didnt know how long that would take. It is now XX/XX/11 and there is no sign they have released or sent the funds. When I call them, it still says in progress as of XXXX, there is no evidence they are willing to release my funds. Attached are screenshots of the account showing the initiated transaction and pending status and the receiving XXXX account not showing the transfer of the $ XXXX.
Company Response:
State: PA
Zip: 190XX
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: 2023-05-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I requested a wire transfer of {$240000.00} from my online saving account ending XXXX in Marcus by Goldman Sachs to my XXXX XXXX checking account in the morning of XX/XX/2023. Their web site says the wire transfer should be processed in the same business day if the request is initiated before XXXX that day. Because I did a wire transfer from the same saving account in Marcus by Goldman Sachs to the same XXXX XXXX checking account on XX/XX/XXXX and the transfer was processed on XX/XX/XXXX, I am expecting this wire transfer should be processed on the same day because the money is wire transferred to the exact same bank and account. But my wire transfer was not processed on XX/XX/XXXX. So, I contacted Marcus in the evening of XX/XX/XXXX and the agent has no idea and submitted an expedited request for me. In the morning of XX/XX/XXXX, a customer representative from Marcus called me and said they need verification of my ownership in another bank to process the transfer and another bank customer service representative is in the conference call already. I answered all the questions from another bank customer service representative in the conference call and they verified my ownership successfully. Then I ask the Marcus representative when my wire transfer will be processed since you already verified, and I need this wire transfer be processed asap. Then she asked me why you are moving this money to XXXX XXXX. This really made me feel not comfortable, but I still told her because XXXX XXXX has better rate and promotion to open an account and that is why I need this wire transfer to be processed asap so that I can meet the promotion deadline. Then she told me she can not tell when, the wire transfer will be approved by another group. Again, my wire transfer was still not processed by the end of XX/XX/XXXX. So, this morning on XX/XX/XXXX, I contacted Marcus again and the representative told me it is still in process, and they don't know when. This is ridicules. I chose wire transfer because I think this is the fastest way to transfer money from XXXX bank to another bank. I followed their procedures to initiate the wire transfer and verify my ownership in another bank account, but Marcus seems trying to hold my money and doesn't want to lose my deposit to another bank with no reason. The domestic wire transfer should be completed within 1-3 business days and normally within 24 hours. I already did a wire transfer before from the same account in Marcus By Goldman Sachs to the same account in XXXX XXXX and I even verify my ownership of another bank account with them again and told them to contact me if anything is needed and I just need this wire transfer be processed asap. But still my wire transfer is not processed.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Subject : XXXX/Consumer Complaint XXXX based XXXX against Vs. XXXX XXXX applicants GOLDMAN SACH Bank, XXXX XXXX COMPLAINT I,, am a XXXX XXXX member, person with XXXX. I am a XXXX XXXX, ( XXXX XXXX XXXX XXXX. I bring this complaint regarding Goldman Sach Bank ( a financial institution in XXXX XXXX XXXXXXXX ) XXXX based underwriting practices of my XXXX XXXX XXXX ) consumer credit application with that bank. That between XX/XX/2023 and to present in the state of XXXX XXXX Goldman Sach Bank used discriminatory race bases criteria in underwriting my XXXX XXXX online Applications for consumer credit, when Goldman Sach Bank Apple Card underwriters saw my XXXX and XXXX XXXX XXXX, after I submitted my valid Drivers licenses showing my XXXX photograph was used as sole basis to decline my XXXX XXXX Applications, ( despite I the consumer credit applicant having excellent ( EXCELLENT ) credit, excellent Payment history, XXXX XXXX Score, adequate income, 1 % debt usages, No bankruptcys, No collections and despite being otherwise fully qualified ) Goldman Sach Bank violated the Consumer Credit Protection Act ( CCPA ), violated Equal Credit Opportunity Act ( ECOA ), violated Consumer Financial Protection Act, all in violation of my civil Rights under Title VI of the Civil Rights Act. Specifically. I am a client of Goldman Sach Bank and XXXX XXXX user, on or around XX/XX/2023, I received several onlinein vitiations links to apply for the GoldMan XXXX XXXX XXXX I completed GoldMan Sach online Apple Card Application at XXXX XXXX XXXX ; and I provided all requested information, i.e. my correct Full Name, my residential address, my social security number and clicked submit ; Goldman Sach immediately made a soft inquiry on my XXXX XXXX Credit File after receiving my online XXXX XXXX Credit application; I then received a Text verification message from Gold Man on my phone asking if I had just submitted an application for XXXX Card to which I responded YES ; a second online window then asked me to upload the Front and Back of my valid I.D . Card before we can continue with your Application; I submitted high resolution XXXX photographs of the Front and back of My XXXX Drivers license to Goldman Sach Bank ; a final notification window indicated that my Application was under review and I should wait for an email or call ; a few hours later on XX/XX/XXXX, I received an email from Goldman Sach Bank indicating We are unable to verify your identification information... If you believe this decision was made in error, return to the XXXX XXXX application to reapply as instructed ; on XX/XX/XXXX, I verified all information and again submitted a another credit application to Goldman Sach completing the same online application process again including submitting requested back and front XXXX photos of my XXXX Drivers licenses to Goldman Sach Bank ; on XX/XX/XXXX, after no response I called Goldman Sach XXXX Card support to inquire the status of credit application and was told there may have been an error in my name ; and to resubmit another application again ; as instructed by gold man on XX/XX/2023 XXXX I again I again repeated the same above process at XXXX ( XX/XX/XXXX ) as again instructed by gold man I again repeated the same above process ; with the same result I received an email from Goldman Sach Bank indicating We are unable to verify your identification information.. .If you believe this decision was made in error, return to the XXXX Card application to reapply ; at which I called XXXX XXXX , and the credit agency directly verified YES all information on my credit file is correct and matches my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) as again instructed by gold man I again repeated the same above process submitted a another credit application to Goldman Sac completing the same online application process again including submitting requested back and front XXXX photos of my XXXX Drivers to Goldman Sach Bank ; at XXXX I again received email from Gold Man such We are unable to verify your identification information... If you believe this decision was made in error, return to the XXXX Card application to reapply ... ... ... ... ... ... ... ... ... XXXX ... ... ... ... ... ..Despite my numerous communications with the GOLDMAN SACH Bank XXXX XXXX XXXX for a resolution as of this writing GOLDMAN SACH BANK does not have a resolution process in place to address this problem it says is a VERIFICATION OF IDENTITY INFORMATION. Further GOLDMAN SACH BANK has refused to did not provide any additional information Specifics except to tell me to reapply again,,, per XXXX XXXX, Goldman Sach Bank has made 5 or 6 inquiries on my credit file between XX/XX/XXXX to present. I am a consumer with XXXX XXXX and XXXX XXXX and Financial history mu excellent credit, is not in dispute here. After having six times properly and lawfully applied for consumer credit with GOLDMAN SACH BANK and repeated rejected solely based on presentation of my Drivers Licenses indicating I am a XXXX American male, having eliminated all other possibilities ( to which Goldman have provide no other ) the only possibility left there being sufficient reason to believe that GOLDMAN SACH BANK has been for several years and is engaged in discriminatory underwriting practices solely based on my race XXXX after the Banks XXXX Card underwriters determined am XXXX American after GOLDMAN SACH BANK saw my Drivers license photograph, GOLDMAN SACH BANK XXXX underwriters BLACKED Listed me and blocked my fair Credit access to XXXX Card consumed credit indefinitely, that constitutes multiple violations of the Consumer Credit Protection Act ( CCPA ), violations of the Equal Credit Opportunity Act ( ECOA ), violations of Consumer Financial Protection Act, and XXXX XXXX XXXXXXXX laws, all in violation of my civil Rights under Title VI of the Civil Rights Act, All constitutes multiple violations of section 1036 ( a ) ( 3 ) of the CFPA, 12 U.S.C. 5536 ( a ) ( 3 ), which prohibits providing substantial assistance to a covered person or service provider engaging in unfair, deceptive, or abusive acts and practices. and further violates 18 U.S. Code 1341 and 18 U.S. Code 1346 and all in violation of 18 U.S. Code 1349 Section 5 of the FTC Act, which prohibits deceptive or unfair acts or practices.. Therefore, BASED ON THEFORGOING : The issue presented here is : I submitted signed XXXX card consumer Credit applications to GOLDMAN SACH BANK on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2023 ; GOLDMAN SACH BANK made several six inquiries into my consumer credit file THAT CONSTITUTES VALID CREDIT APPLICATIONS for CONSUMER CREDIT under the CCPA, fair credit act et al ; THE ISSUE : GOLDMAN SACH BANK Denied my consumer Credit Applications, alleged because GOLDMAN SACH BANK says ( we are unable to verify your identity ) despite my several matching valid identification documents including matching XXXX XXXX XXXX XXXX : It is my belief GOLD MAN is engaged in discrimination solely based on my being a XXXX XXXX XXXX who does not fit GOLDMAN SACH BANK discriminatory criteria that only white persons with a XXXX XXXX and earn EXCELLENT Credit history can be approved for an XXXX Credit Card, is discriminatory and unlawful. Pursuant to the Equal Credit Opportunity Act I respectfully request this agency investigation and 1. order from this agency compelling GOLDMAN SACH BANK to provide alternate fair credit verification of identity methods ( i.e. phone video verification and selfie I.D . Verification, Email or document upload for Identification verification etc. ) that a modern XXXX XXXX bank should have available to all customers. 2. Order GOLDMAN SACH BANK to immediately cease further violation of the Consumer Credit Protection Act, Cease violation of section 1036 ( a ) ( 3 ) of the CFPA, 12 U.S.C. 5536 ( a ) ( 3 ) and FTC Act, 15 U.S.C. 45 ( a ) ; 3. all other action in a XXXX court within the CFPB commissions own powers, to obtain temporary, preliminary, and permanent injunctive relief, rescission or reformation of contracts, restitution, the refund of monies paid, disgorgement of ill-gotten monies, and other equitable relief for GOLDMAN SACH BANK and its co-conspirators defrauding U.S. Consumers and military families, DATED XX/XX/202XXXX XXXX
Company Response:
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
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, I got a notification from my Apple card account that a purchase transaction took place on XXXX at around XXXX XXXX. I immediately contacted Apple they filed an investigation in which my physical card was canceled ; today, it has been ten days since the incident I have not received or been notified that a new card has been shipped. Also, bear in mind this entire conversation is by text message, not phone with a live person. I contacted customer support over the phone ; They explained that they do not automatically order new replacement cards. The support team told me you had not paid my bill for the month ; my response was no ; I reported for fraud and have not gotten a replacement card. I am not 30 days delinquent on this. I am concerned about making a payment with a new card being ordered and shipping for replacement prior to payment.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I used my Apple Card by XXXX. Bank for 2 different car reservations from XXXX XXXX XXXX One was from XX/XX/2023 until XX/XX/2023 and the other was from XX/XX/2023 until XX/XX/2023. I disputed the charges because they were not as agreed upon when I booked the reservations for the vehicles. The XXXX reservation was overcharged by {$800.00}, and the later XXXX reservation was overcharged by {$2000.00}. The XXXX reservation included upgrade charges of {$720.00} for which I shouldnt have to pay because the vehicle I booked and reserved beforehand was not available for me on pickup day and time. The issue Im having is that the credit card company issued me a provisional credit while those charges were investigated. However, the provisional credit isnt available to the customer to use if they choose to do so. The credit card company explained to me over the phone that until the disputes get resolved I wont see that credit in my available balance. In other words, your credit card limit is lowered by the credit that is being disputed upon, until those matters are resolved. I responded by saying that according to the American dictionary that is not how provisional credit is supposed to be afforded. They responded by saying that there was nothing else I could do except wait for a completion of their investigation.
Company Response:
State: NY
Zip: 11379
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
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/XXXX I made a purchase at XXXX using the secured payment method of XXXX. My total purchase was for {$3500.00}. My item was set to be delivered by XXXX however I was not available for the deliver so my package was marked as Undeliverable and returned back and to the sender on XX/XX/XXXX at XXXX am. I was supposed to be issued a refund of {$3500.00} to my XXXX account. I waited until XX/XX/XXXX and since I still hadnt received my refund I opened a dispute with Apple Card Goldman Sachs, they initiated a dispute with XXXX. Then on XX/XX/XXXX I received a credit of {$240.00} which I was confused about because this is not the amount of my dispute which is {$3500.00} When I spoke to a XXXX over the phone they told me that they seen I had been refunded from XXXX on XX/XX/XXXX in the amount of {$3300.00}. However this is a refund for a returned item that I purchased on XX/XX/XXXX using my actual Apple Card number, not XXXX. I was confused as to why they would think that this had anything to do with my initial dispute of {$3500.00} from a transaction that I made using XXXX. If I make a purchase and received a refund it will be refunded via XXXX. Apple Card Goldman Sachs exclaimed that they made a mistake and put in another dispute to correct the amount owed to me with the subtraction of the {$240.00} that I was credited on XX/XX/XXXX. However most recently on XX/XX/XXXX I was charged {$3300.00} onto my available balance. So I still do not have my refund for this item that I never received and was returned back to XXXX. Once again they have filed another dispute for the amount of {$3300.00} on XX/XX/XXXX. I do not believe this issue should take this long. I have provided all necessary XXXX tracking information as well as all of my transactions to show that I should be refunded, but somehow I keep going in circles over and over again. This is a very poor level of customer services from the mistakes made and not paying attention to detail. I do not understand why this company is confusing a XXXX transaction with a transaction that is separate from XXXX.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was applying for places and was wondering why none of them were accepting and it was due to a low credit score and it came to my surprise that was the reason due to me paying all my bills and only using XXXXXXXX XXXX card, my XXXX XXXXXXXXXXXX XXXX card is the only one I use, sure enough my data was breached and opened up a credit card account and noticed fraudulent charges of up to XXXX dollars overtime on the credit card used, it was clearly maxed out and left to stay as debt, i have no connection whatsoever to this account even though my information was put in due to identity theft.
Company Response:
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
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: XX/XX/XXXX : made purchase of {$330.00} using Apple Card for XXXX gym membership at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA. The agreed upon period was XX/XX/XXXX to XX/XX/XXXX. See Sales Contract attached. XX/XX/XXXX : XXXX XXXX XXXX XXXXXXXX closes all its locations due to XXXX, and as required by CA XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX mandates . XX/XX/XXXX - As COVID and government mandates still in place, I request for a refund of my membership fee but am unable to reach XXXX XXXX XXXX and was transferred several times until I was disconnected. I call Goldman Sachs Apple Card to request a dispute of the chrage because the merchant is unable to fulfill the terms of the signed contract and I would kindly like to request a full refund ( or pro-rated 13 months ). XX/XX/XXXX - Apple Card/ Goldman Sachs sends me an email stating that the dispute has been investigated and resolved in favor of the merchant because " The merchant provided sufficient evidence that you made the purchase '' This is NOT the dispute. The dispute is because XXXXXXXX XXXX XXXXXXXX is unable to open and therefore is holding my money until they can open. My contract I signed says a specific time period for the membership. XX/XX/XXXX - On the same day I receive this " resolution '' email. I call Apple Card/Goldman Sachs support again and explain the situation thoroughly. They say they understand and make notes to ensure the investigation will look at this reasoning. XX/XX/XXXX - Apple Card/ Goldman Sachs sends me an the EXACT same generic email stating that the dispute has been investigated and resolved in favor of the merchant because " The merchant provided sufficient evidence that you made the purchase ''. Clearly Apple Card/ Goldman Sachs did not listen and take into consideration my contract. XX/XX/XXXX - I call Apple Card/Goldman Sachs again and explain everything over in detail AGAIN. They take notes and said will re-issue the dispute. XX/XX/XXXX - I receive an automated email from Apple Card/Goldman Sachs requesting any additional info/evidence. I send via email my XXXX XXXX XXXX signed contract for them to view. XX/XX/XXXX - Apple Card/ Goldman Sachs sends me the EXACT same generic email stating that the dispute has been investigated and resolved in favor of the merchant because " The merchant provided sufficient evidence that you made the purchase ''. They did not even look at my contract. XX/XX/XXXX - I call Apple Card/Goldman Sachs again to request to re-issue the dispute and to please look at my contract. I follow up to their evidence request with even more evidence such as CA state mandates, and how XXXX XXXX XXXXXXXX is not following safety protocols for the XXXX weeks that they were allowed open during the summer. XX/XX/XXXX XXXXApple Card/Goldman Sachs AGAIN just sends me a generic email saying the dispute was resolved in favor of XXXX XXXX because they provided evidence that I made the purchase. Again, this is NOT why I am disputing the transaction.
Company Response:
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to request the removal of a charge off from my credit report. The negative marks are having a significant impact on my credit score and decreasing my chances of being approved for loans, credit cards, and other financial products. The charge off occurred due to a recent change in my living situation. Starting in XX/XX/2022, I was homeless for XXXX months and was unable to make payments on my account. As per UCC 2-725, this situation falls under the category of " impracticability of performance '' as my ability to fulfill my financial obligations was hindered by circumstances beyond my control. I understand that charge offs can remain on a credit report for up to seven years, but I am hoping that the circumstances surrounding my situation can be taken into consideration. I have since secured stable housing and am working to rebuild my financial stability. I appreciate any assistance you can provide in resolving this matter and thank you for your attention to this request. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A