Date Received: 2023-04-27
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: I made a dispute to apple card about a transaction that was made in XX/XX/ for XXXX, instead of apple card returning the funds to my available amount they removed it from my limit which is 2 violation of the truth in lending Act Stating : Mission Consumer Protection Law 15 U.S.C. 1666-1666XXXX XXXX http : XXXX This Act, amending the Truth in Lending Act, requires prompt written acknowledgment of consumer billing complaints and investigation of billing errors by creditors. The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed, and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's account.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
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 XXXX there were fraudulent charges on my credit card in the amount of {$14000.00} and the funds were taken from my checking account on XXXX XXXX, XXXX that was linked to autopay for my credit card charges. I notified my credit card company about the fraud and I was reimbursed twice in error, once on XX/XX/XXXX with a paper check and once on XX/XX/XXXX with ACH reversal. On XXXX XXXX I received a bill from my credit card company for {$14000.00}. On XX/XX/XXXX my bank manager helped me get a cashiers check for {$14000.00} and I mailed it to my credit card company the same day certified mail, return receipt requested. The due date on statement was XX/XX/XXXX, and they received payment on XX/XX/XXXX. I was surprised when I received a statement in XX/XX/XXXX indicating I owed them {$110.00}. When I called them to inquire about the bill on XX/XX/XXXX I was told it was 3 days interest because they claimed I didnt meet the payment deadline. I then mailed them copies of all documents to prove I did indeed send payment on time on XX/XX/XXXX. I received another bill from them for {$150.00} since they tacked on late fee and additional interest charge with a due date of XX/XX/XXXX. I have called about this numerous times and they are only willing to waive a portion of the interest.
Company Response:
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: On XXXX XXXX XXXX XXXX, I received a letter from XXXX XXXX, a firm located in XXXX, FL. I initially thought it was a scam since I do not live, work, or have any contacts/close connections in the state of Florida. XXXX XXXX was informing me that I was being sued in the state of Florida and upon doing some research, I was able to confirm that on XXXX XXXX XXXX from XXXX XXXX XXXX XXXX had filed a lawsuit with the XXXX XXXX XXXX on behalf of Goldman Sachs Bank. Case # XXXX with judge XXXX XXXX, XXXX XXXX. This is a frivolous lawsuit as I do not live or work in the state of Florida. I am requesting the CFPB conduct a full investigation against Goldman Sachs Bank and assess fines for their unfair and illegal debt collection practices. The FDCPA is very specific in that a debt collector can only sue where the defendant currently resides. Under the Rules of XXXX XXXX, a Plaintiff wishing to sue must do so in the proper jurisdiction and venue, or county and state court. This helps ensure that Defendants are physically and financially able to attend court hearings and that Plaintiffs can not forum shop or choose the state where the law most favors them and then file their lawsuit there. The proper place to sue is the county and state where the defendant lives. Not only do the Rules of Civil Procedure apply to creditors and debt collectors who are filing a lawsuit, but the Fair Debt Collection Practices Act ( FDCPA ) and XXXX Fair Debt Collection Practices Act ( RFDCPA ) also require that lawsuits against debtors be filed in the county and state where the debtor lives. If Goldman Sachs Bank had a claim against me I should have been notified at my home address here in the state of New Jersey. I should have also been given the opportunity under FDCPA to have this debt validated/verified as I was a victim of fraud in XXXX. If XXXX XXXX who I dont know from a hole in the wall was able to notify me here in my home in NJ than so should Goldman Sachs Bank and XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Apple card closed my account for no reason at all. I have never been late or missed a payment. Their said I violated the user agreement but refused to tell me specifically what I violated. This is not fair to me. I want my account reinstated. When I called them they would not tell me what I violated and never returned my phone call like they said they would.
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Describe what happened, and well send your comments to the companies involved. In XXXX and XXXX, I experienced issues with my Apple Card not registering payments correctly, leading to accrued interest and a warning of a past payment due. In XXXX, I was informed that I needed to pay a certain amount of money to avoid paying interest. I paid the required amount, but at the end of the month, my card still accrued interest. In XXXX, my Apple Card requested that I pay {$16.00} by XX/XX/XXXX to avoid a past payment due. Despite having paid over {$2000.00} to pay down the card and paying the requested {$16.00} multiple times, the warning persists. I am concerned that this issue will lead to a negative mark on my credit report, even though I have made the necessary payments. Include dates, amounts, and actions that were taken by you or the company. XXXX : Paid the required amount to avoid interest ; interest was still accrued on the card. XXXX : Apple Card requested a payment of {$16.00} by XX/XX/XXXX to avoid a past payment due. XXXX : Paid over {$2000.00} to pay down the card balance. XXXX : Paid the requested {$16.00} multiple times, but the warning remains. I have also attached a screenshot as evidence, which clearly shows the warning on my account, despite making multiple payments over the required amount to prevent a past due mark on my credit. This visual documentation should help substantiate my concerns and further demonstrate the issue with my Apple Card account.
Company Response:
State: CA
Zip: 92868
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: on XX/XX/XXXX I received an email from Marcus- Goldman Sachs that my account was closed. It is a CD which was originally opened XX/XX/XXXX and renewed each year including XX/XX/XXXX and set to expire in XX/XX/XXXX. The original amount was {$150000.00}. It is now over $ XXXX. I immediately called the bank and asked what happened as i never made any call and did not close the XXXX. after about XXXX hours of calling and speaking to many different people finally someone told me the account was closed due to abandoned property and the money would go to the state! I was then told it would be fixed the money would be returned and my account reopened. I was told it would take XXXX to XXXX business days. I asked for a confirmation email and was told I would receive it but never did. This is a bank error and I am still so concerned about where my money is.
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A few years ago someone filed federal taxes in my name which now requires me to use an IRS issued identification number to file my taxes. Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when I pulled my credit reports XX/XX/2023. I pulled my credit because Im looking to refinance on my home. I figured to check before applying for a new mortgage loan. I have filed a dispute with XXXX XXXX and XXXX. All of the information ( credit reports, identify Theft Victims Complaint Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report. These accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being displayed on my good credit. All I do is work and take care of my home, so there was never a need to add any of these credit accounts listed. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Some unknown suspect applied for a credit card in my name that I did not give my permission to establish this is the result of fraud and identity theft I reached out to the company and they made no steempt to investigate this or remove this fraudulent item from my report 30 days has well lapsed since I submitted this dispute
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Apple card denied my loan application despite having an exceptional payment history and XXXX credit having a Marcus savings account and not missing a payment in 3 years. The loan was denied on false pretenses : My credit utilization is 43 % I have two credit cards and two personal loans with a credit union, and my student loans have five accounts in total.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
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/2022 I purchased two tickets for the XXXX XXXX football game to be played on XX/XX/2022. I used my Goldman Sachs XXXX ( XXXX ) XXXX. My order number was XXXX. The purchase was made with XXXX. I received the two tickets. However, I was charged twice. The amounts were {$560.00} and {$540.00}. I have attempted to resolve this with XXXX XXXX ( Goldman Sachs ) multiple times. They have been unable to advised which amount is applicable to order number XXXX. In addition, they are unable to advise of any other order number or purchase of any additional tickets. I have attached a copy of the transaction as well as copies of the tickets I received. Their response has been a bunch of print outs of the internet with most to small to read to include instructions on how I should use my iphone.
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A