Date Received: 2023-05-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: There were a number of fraudulent charges made on my account back in XX/XX/XXXX, totaling around {$1500.00}, I do not remember the exact amount since it has been so long. I reported the charges and opened a dispute, and they started a review and began refunding the fraudulent charges to my card. I think the full amount was credited back to my account but they never completed the review and gave me full report, so I don't know for sure. My card has now been locked for a year and a half, after they initially said the review would take 4-8 weeks. The last balance adjustment I can see on my account happened back in XX/XX/XXXX. I have tried contacting them to get updates on their review several times, probably more than 10 times, over this time period and they have given no updates. Every time I ask them when my review will be completed, they say they have no update, and they will let me know when the review is complete. I have continually asked to have the issue elevated and speak to a manager and file a complaint but they repeatedly say there is nothing else they can do. The attachments are an example of the responses I have gotten every time I reach out to them for an update.
Company Response:
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE APPLE CARD/GS BANK USA 8 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XXXX XXXX, 2023 Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XXXX 2023. Status updated XXXX 2023 Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I requested a CD account closed. The bank states in its online information that closing the account takes 3 to 5 business days. The time allowed has since been exceeded but the bank can not help me get my money back. I have spent more than two hours on their chat customer problem resolution without getting a resolution to the problem. Calling their customer service phone line is an exercise in frustration. The last time I tried to get this resolved, I spent 40 minutes typing back and forth with a representative without achieving success.
Company Response:
State: CA
Zip: 939XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I used the online account management to close my account and transfer the balance to another account. I have called 3 times now, been " verified '' twice once by a " supervisor '' and still my money has not been transferred and the account closed. I believe they have violated the law on the time frame to honor my request.
Company Response:
State: FL
Zip: 33460
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I initiated an ACH transfer through my personal XXXX checking account to withdraw {$66000.00} from my Goldman Sachs ( Apple Savings ) saving account. As of XX/XX/XXXX XXXX informed me that the transfer was declined due to insufficient fund. However, my Goldman Sachs account has clearly be debited the amount {$66000.00} on XX/XX/XXXX. The fund {$66000.00} has not be reverted back to any of my accounts as of XX/XX/XXXX. I have reached out to Goldman Sachs ( Apple Savings ) customer service line at least 3 times to resolve this issue ( requesting a reversal of the {$66000.00} debit for the declined transfer ). A representative told me the transaction was declined by Goldman Sachs on XX/XX/XXXX, however, I did not receive any notification from Goldman Sachs of this incident until XXXX informed me the transaction was declined on XX/XX/XXXX. The fund was indicated as an " Adjustment '' in my Goldman Sachs account summary. I expected a reversal within 24 hours.
Company Response:
State: CA
Zip: 95133
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the dele the accounts listed IMMEDIATELY!
Company Response:
State: MA
Zip: 01109
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Home Depot Project Loan XXXX XXXX XXXX XXXX, GA XXXX Payments to : Dept # XXXX The Home Depot XXXX XXXX XXXX XXXX, AL XXXX RE : The payments to this account have been sent via e-check from day one. I verified this with my bank about 2 weeks ago. The receiving company gets the payments within 2 or 3 days of when the money comes out of my account. I have photos of the statements involved. In general, the entire last year. The transaction date on the statements will support my claims. Payment due : XXXX of the month Initial Bill Pay send date : XXXX of the month Bill Pay send date over the past year : XXXX of the month Summary : My payments on this account are arriving on time. This is even reflected in the statements. However, the company has been delaying posting for as much as 3 weeks. I pointed this issue out to the CS representative a year ago. This has been happening every other month at this point. The only other delay in paying this account was when a 3-month extension was offered due to the COVID outbreak, and that was authorized. In fact, I happened to notice this happening last year and I put my payment date back 2 more days. In addition, Greensky and Home Depot are each calling me daily ( I have not answered ) about this account. I have a life and no staff to go back and audit the account, write letters, make or take phone calls where I just end up explaining to morons that the issue is not on my end. The problem is on their end, and I am very busy with my life. The proof is on the account statements. Luckily, I have paper statements on this, but they have it all on computers and it should be easier for them to have noticed and fixed this issue. The problem is that the customer is always blamed. To make things more difficult for me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Im trying to update this older home while taking care of it. These calls make it more difficult for me to function. When I did speak to their rep, I was only credited for 1 late fee because that was all that she had the power to do. Waste of my time. Fix it all! I pay monthly, automatically, through the bank web bill pay option. On the first payment, I keyed in the number of payments to get to the final one. This means that for nearly 3 years now, the payments have been untouched by me and sent in exactly the same manner other than when I adjusted the payment date last year. I generally dont even open the statements for a couple of months, until I go to file them away. Additional information : I purchased an air conditioning system ( including ductwork ) from Home Depot 's vendor at 0 % interest a little over 3 years ago. Additionally, the system has proven to be far below the quality that was described to me by their salesman ( lower-level ductwork and a system that the repairman stated has a part that is known to fail annually, and the concrete pad was cracked on day 1, I did send them that information in my first complaint ). In fact, we had to have a repairman come out to have a known defect ( his admission ) replaced when the system was only 1-1/2-years old. On top of this, they have never closed the permit on the installation. I paid extra for this A/C system in the first place for a few of reasons ; American made product, Home Depot vendor , product support ( although it seems more like they take advantage of you ). My son was XXXX when he saw the ductwork they were using, and I dont think the system operates as described either. We recently had a different service company ( XXXX ) come out instead of XXXX having had a bad experience with our first XXXX service call. XXXX offered a lower service fee and didnt even charge us for the visit as opposed to XXXX who charged us for what seems should have been a warranty visit ( we have learned the failing part should have been covered ). XXXX stated that it would be cheaper to have them come out for an annual maintenance call. Our issue would be incorporated in that work, but they also gave us free advice on how to correct the issue we had ( a clogged line ) that had stopped the system from working that day.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I got an Apple Credit Card and an Apple Savings Account on XX/XX/XXXX. Over the next few days I transferred my savings from my XXXX XXXX to the Apple Savings account and started using the new Apple Card for some minor purchases together with a larger purchase of flights to XXXX for myself and my family. On XX/XX/XXXX I was notified that my Apple Credit Card had been locked pending investigations. Shortly after my Apple Savings Account was also locked. I try reaching out to the Apple ( XXXX XXXX ) support to find out why my accounts have been locked and try to find ways to accelerate getting them unlocked. They are unwilling to tell me why this is happening and say that it will take 1-3 business days to get it resolved. All I should do is to be ready for them to call me. I ask if we can schedule a time to talk or for me to go to a physical office to resolve the issue. The are unable to accommodate any of that. I also get the impression that if I'm unable to answer the phone when they call this may get extended further. On XX/XX/XXXX ( day XXXX ) I reach out again. At this point they go on to tell me that the standard handling time is 5-7 business days and that I need to continue waiting for them to get in touch. This handling is simply unacceptable to me. Their locking down me economically and keeping me completely in the dark doesn't instill a sense of confidence in their institution. Just imagine this happening when you are out traveling or if this was your only card and you had a family to feed and take care of.
Company Response:
State: CA
Zip: 90278
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act, I have had my rights. Apple Card/GS BANK USA XXXX XXXX XXXX XXXX XXXX THE HOME DEPOTXXXX XXXX XXXX 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for Any purpose.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I had applied for the Apple Card ( XXXX ) and was denied multiple times for very unfair reasons. My credit report is inaccurate and has fraudulent accounts and collections on it. So therefore i shouldn't be denied for those reasons. I have never missed a payment nor had a credit card go to collections that i had RIGHTFULLY opened with my approval. Apple and Goldman Sachs Bank should approve the application.
Company Response:
State: KY
Zip: 42101
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A