Date Received: 2023-12-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: my Apple Card charged me XXXX from XXXX which I never used need my money back
Company Response:
State: CA
Zip: 90001
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Is Marcus by Golden Sachs having issues with the Federal Reserve? I have been trying to withdrawal money since the XXXX. & they state they are sending it but it take 3 days which we all know it does not take 3 days to send money by ACH or Wire. They have caused me to loose my interest rate. Plus the stress is unreal for them not releasing my funds. I still have not received this money and I have tried 4 times to withdrawal money
Company Response:
State: CA
Zip: 917XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone used my card to make fraudulent purchases on XX/XX/2023 ; XX/XX/2023 ; XXXX XXXX ; XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023, at a merchant named " XXXX XXXX '', totaling {$1000.00}. Upon discovering these transactions I immediately restricted my card and contacted the issuer ( Goldman Sachs on behalf of Apple ). To date no less than 15 " cases '' have been opened regarding these transactions, with about 1/2 of them being resolved correctly in my favor, while the other 1/2 the card issuer keeps refusing to properly handle the investigation into this fraud. I have submitted a copy of a true and valid copy of the Police Report I filed, yet my card issuer continues to refuse to properly handle this matter.
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Apple card from Goldman Sachs. An Apple card was opened on XX/XX/2023 through fraud in my name, amounting to XXXX and I noticed it in my credit report. They have not responded yet.
Company Response:
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
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 a XX/XX/XXXX I was the victim of identity theft. Someone broke into an online restaurant ordering website and purchased 18 separate meals from restaurants across the country using my Apple Card. I have tried at least five times to dispute the charges with Apple Card and provided a police report, but 10 charges still remain on the account. I have tried to speak with the investigators who are working on these disputes, but Apple Card is refusing to connect me to them. I have spent hours on the phone to resolve this issue with no sign that the situation will resolve.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been trying since XX/XX/XXXX & XXXX, 2023 to transfer money out of my account. Each time it has been reversed after having been assured the money would go through after being on the phone for hours. I have spoken to at least 7 different persons regarding this matter with one supervisor who hung up on me.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX XXXX by Goldman Sachs locked my account without any notice because I changed my number and update it on my online profile account. They did not call or tell me I merely found out by trying to log on my account one day to find it was locked. Then I proceeded to call to have them unlock it and was told since I no longer had access to my old account they could not verify my identity and therefore the only way to move forward with unlocking my savings account would be to mail me an affidavit that I would then have to fill out, get notarized, and mail back to them and call and figure it out from there. Fast forward to end of XXXX going into XXXX and I still have no access to my savings and Ive made multiple attempts to call customer service to find out that the paperwork and affidavit still has yet to be processed. Everytime I call customer service they say it needs 7-10 business days to process. The last time I called they said it was almost finished and need 2-3 days and I would receive a call to tell me where to go from there but after waiting 3 days I never received a call nor was left a voicemail. I called again on XX/XX/XXXX and was met with the same response that it still needed to process and to call back in 7-10 business days even though the Customer rep prior said it was almost finished and to call back in 2-3 days. I then asked to speak to a manager and was told to call back later. I have no access to my savings at all for over a month now and the company has given me no lee way to solve this in a timely manner. I still dont know when I will regain access or who I can possibly speak to get this fixed fast. I am left anxious about the money frozen in an account I have no access too and dont know when or if I will ever be able to access my money again. I am distraught about being unable to dip into my savings and have money for extra bills and was unable to access during the XXXX holiday which was devastating and affected me and my finances beyond repair.
Company Response:
State: MA
Zip: 01852
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I made a {$900.00} payment toward my balance on XX/XX/XXXX that cleared and came off my balance, then when I made another {$350.00} payment the same day through the same bank it did not clear my balance and was informed it would be available by XX/XX/XXXX. I called Apple to find out what happened and all they would do is give me a list of reasons for the hold, which none pertained to my account, and told me there was nothing I could do. One specialist informed me that because I had canceled a payment in the beginning of the month that all my payments would be on hold which was not true as I made 2 payments that completed after that. The money has been removed from my bank and I can not use it on my Apple card and I need it to pay my rent. Apple suggested I call my bank and dispute the charges and pay a fee when this is not on me or my bank. I need the hold lifted from my payment or the payment reversed so I can have access to the funds
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened an account on Goldman Sachs XXXX and deposited {$3500.00}. When I installed their app on my smartphone and tried to login with the credentials I created, I got an error stating I could not access my account. I called customer service and after an hour call I was told I would be able to access my account in an hour or two. However, 3 days later I was still unable to access my account. I called Goldman Sachs again and they told me a completely different reason as to why I couldn't access my account. The first time I was told it was because I didn't verify my linked bank account and the second time they told me the phone number I registered my account with was not under my name. I am currently in the process of proving the account is mine by filling out an affidavit and mailing it back. This process is expected to take a month and a half at minimum.
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
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 charged {$540.00} for two nights stay XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX using a virtual card online. At check in reservations requested the physical card and I did not have it. As a result reservations insisted that I pay for the entire two nights with another card and promised to refund the {$540.00} paid on the virtual card back to that card. I completed a form at the hotel 's request in writing. I waited two weeks and the hotel never refunded the virtual card the {$540.00} so I filed a dispute with the credit card company, Apple Card which is handled by Goldman Sachs. Unfortunlately the dispute was not resolved in my favor. As it stands this hotel took me for an expensive two-night stay PLUS an additional {$540.00} that they promised to refund and did not. I have re-initated the dispute with Apple Card and hope that this time the charge can be reversed as it would be a grave injustice for the hotel to keep money that they promised to refund. I believe that the dispute was not properly handled on either end, Apple Card or the hotel. The basic facts of this matter can not be disputed : {$540.00} was charged on the Apple Card on XX/XX/XXXX On XX/XX/XXXX the hotel demanded another method of payment and promised to refund the original payment and never did. How this dispute was not decided in the card holder 's favor is unfathomable.
Company Response:
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A