Date Received: 2023-05-02
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: On XX/XX/2023, I went over the money that I had in my Marcus account, which is owned by Goldman Sachs. I had bought a few CD 's through them before, and thought I would check the rates. My savings there is currently getting 3.9 %. I saw the CD rates, and that all of them had rates on the main screen of over 4 %. See my attachment, and it is a screen shot from today ( XX/XX/2023 - all screen shots are from today ) on the first page. After looking into the different types, I decided to do the no-penalty CD, and the rate at 4.15 % seemed appealing, especially with the fact that I could cancel it. Yes, it does say after 7 days, but I figured I would have no reason to cancel it unless in the event rates go up, which would be more than 7 days most likely. Well, I went through the steps, and funded it by transferring {$20000.00} from my savings at Marcus to the CD. Then I happened to check it online today. Lo and behold, I was bait and switched!!! It showed I was only getting 0.45 %!!!! Quite a difference, I assumed it was an error, that there was a misplaced decimal point. No, it was correct they said. I then saw that when a person clicks on that first page showing the term of 13 months wit 4.15 %, and then you click Open Account, naturally I assumed that was what I was getting. I figured the one thing I would need to do is put the dollar amount in, which I did. HOWEVER, what the sneaky, unethical firm did ( and I have used them for quite some time and had been pleased prior ), is that when the Open Account button is selected, even though the 13 month term and 4.15 % is shown, it then changes the term to 7 month, and to be a ridiculously low rate of 0.45 %. See second page, second screenshot. Now, had it been a bit lower, even a decent amount lower, I would not be so bent out of shape. For it to be so drastically lower, and lower than any reputable online firm is offering, I feel there is no doubt that this was done purposely and with intent to bait and switch people. Ok, so bad enough. I figured since I can tell them that I felt misled, and the fact that the money came from Marcus and not transferred form outside, I should have no problem in getting the no-penalty CD cancelled if I at least reached out and told them the issue. See third screenshot, third page. First I went through the chat, and was told no. Then the phone, and I escalated to a manager, and told no. Now granted it does say it can't be cancelled within 7 days, but I also feel this is done to get people to simply give up or forget about it, or for them to at least squeeze a week of their lowest rates on their system, even lower than the basic savings rate. At the least this is poor customer service. And looking at the rate for the high yield CD for 6 months is 4.25 % versus 7 months for the bait and switch CD it defaults from XXXX to XXXX.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This XXXX bank is being run by XXXX XXXX XXXX They reversed an ACH transaction initiated from an external bank without any rhyme or reason and that days after it was completed. I know the person that will respond to this complaint will flat out lie about this, so I am letting you know that I have a 2.5 hour recorded call where a supervisor XXXX and XXXX who both admitted that this transaction should not have been reversed. In fact, I had another transfer of XXXX from the same bank and done on the same day that these XXXX didnt even bother to touch. This is just the beginning of the XXXX and lies told by these XXXX. That supervisor filed 2 complaints for me and told me that some one would reach out to me within 5 to 10 business days. Both those complaints went into a black hole and non one contacted me. XXXX Complaint against XXXX XXXX XXXX who wont even tell me the reason for the reversal, just kept asking me to try again like an XXXX - XXXX XXXX Case for Reimburse XXXX After patiently waiting for weeks, I called again and was told that both these cases were closed and they dont know why and by whom. I asked XXXX to open another case - XXXX Then I get a XXXX voice mail from someone called XXXX on XXXX asking me to call their customer service. And then this cycle of XXXX starts again. Their supervisor XXXX now comes up with another lie out of thin air that the account that was transferred from was not " verified ''. That is a flat out lie as I had multiple transactions with the same bank and same account in the past. And in the previous call on XXXX both XXXX and XXXX had confirmed that this account was already full verified and this ACH should not have been reversed. But like usual with XXXX, they will keep repeating the same lies till the customer gives up in frustration. Like this wasnt bad enough, this supervisor XXXX then just proceeds to disconnect the call. To the person who is responding to this complaint, I have fully read the account agreement, it doesnt allow you to reverse XXXX transactions for your own incompetence. And before you even try to say that this was for my security, I will advise you that I have a recorded call where 2 of your agents confirmed that this account was already fully verified and admitted that this transaction should not have been reversed. On top of that, I had proactively called your bank 2 days before the transfer to inform you that I have initiated these 2 transfers from my external bank. And if that isnt enough for you, XXXX allowed a XXXX transaction from the same bank, account date and time. So you dont have a leg to stand on. If you lie about anything related to this complaint, I will drag you into arbitration.
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This regarding to XXXX bank. This credit card company has withdrawn money from my checking account with out my authorization. This happened already twice and they are trying to blame me that I made that transaction. They are an scam.
Company Response:
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Attempted to open a savings account and it went to review for verification. XX/XX/23 received a call and a voicemail to verify I called back and after 2 hours on hold basically told by multiple Goldman Sachs reps they theyd dont know what the problem is and that for some reason my phone number on the app all though it is my phone number is not correct and they dont know what the resolution is to open the account or why it can not be opened
Company Response:
State: NY
Zip: 14086
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
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 was charged XXXX on my apple card ending in XXXX. I began receiving hundreds of spam messages and mixed in the middle was a XXXX receipt from XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX United States for Invoice # XXXX XXXX XXXX XXXX XXXX ( XXXX sq. ft. ) XXXX hours {$1200.00} Includes... - Interior/Exterior Photography - AI Post-Production Enhancements XXXX FREE Blue Sky Replacement for Cloudy Days on up to 5 photos - Comprehensive On-Site Layout Assessment. - Branded 8.5 '' x 11 '' PDF Floor Plan suitable for printouts and brochures. - Unbranded Floor Plan linked directly to MLS once listed. I have no such building for onsite photography and assessment. if this were authentic, an address and connection to be would be easily produced. the charge was upheld on XX/XX/XXXX. I reiterated the fraudulent and authorized nature and requested their gathered evidence. no evidence was provided and the charge was restored on XX/XX/XXXX.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The Apple Card is showing as a open card with a 285 % usage on my XXXX report but when you look further on the report it shows as a charge off
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I previously had a card with Goldman Sachs, it was an Apple Card., paid never late. I did not want to close it but was told that I would because I could not transfer the card to another Apple ID. SO I paid the card off as instructed and applied again. That was a week ago. The message thats I continue to receive is you identify has to be verified and an Apple Card XXXXpecialist will call you in 24 hours. It has been over a week. I called and spoke to a supervisor and he stated that someone would call me and that has not happened. I continue to call and receive no help. I just need some help with my application.
Company Response:
State: MI
Zip: 48042
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On 2 separate occasions I instituted an online transfer of funds from this account to another external account. The external account is with bank where the funds in the savings account in question were received from and had been confirmed previously. On both of these occasions, the transfer was canceled by the bank, no notification was received letting me know the transfer was canceled, and I only learned of the cancelation when logging onto the account after funds should have arrived. The date of the cancelation is back dated on their website, showing up after other times I've logged in to track the transfer. I was not notified in any other way that these funds would not be received, and needed to spend close to an hour on each occasion dealing with online & phone customer support to get problem sorted.
Company Response:
State: CO
Zip: 80210
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Getting the loan
Subissue:
Consumer Complaint: I applied for a line of credit with Greensky Financing while my house was under construction through one of their vendors, a heating and cooling company named XXXX XXXX XXXX XXXX. I was told that I was approved for a line of credit from the office manager with Triple A, but no documentation was given. Before the work was completed XXXX XXXX wanted payment for services, and wanted to use the line of credit with Greensky. I told XXXX XXXX that I wasn't planning on using the line of credit to pay for their services, and had not received a final bill because the work was not complete. About a month and a half later I received an invoice in the mail from Greensky for {$14000.00}. I immediately contacted Greensky about the invoice, and was told that I had authorized a transaction for {$14000.00}. After several phone calls with a rep from Greensky I finally received a copy of my " signed '' authorization letter. This was the first time I had seen this document. I had not signed it, and it was forged. It was forged so badly that my name was misspelled. After telling Greensky this document had been forged I was told that XXXX XXXX was no longer a vendor with Greensky, but I was still liable for the {$14000.00} because I had voice authorized the transaction. I had never agreed to this, and the only thing that I had said was that I was aware that I had been approved. I just became aware of the multiple cases of fraud against Greensky Financing that the Consumer Financial Protection Bureau brought against them.
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a letter regarding Greensky program settlement Administrator stating I was not to receive any monetary for this class action lawsuit. I believe I was a victim a solar panel that I purchased in approximately 2016. Greensky foundations never issued my {$5500.00} rebate that I was suppose to receive from the electric company due to a solar panel installation rebate amount. The reference number stating I will be able to participate in the settlement when I should have. I ask that this claim be look into. Greensky settlement claimant ID : XXXX
Company Response:
State: TX
Zip: 78253
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A