Date Received: 2023-04-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX has unjustly closed and permanently locked my XXXX XXXX account with no explanation other than fraud. I have never committed fraud and if I am a victim of fraud it is not right to punish me by closing my account without explanation. Also they told me I can open another account or they will permanently disable that one as well. Very wrong to treat customers like this.
Company Response:
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Apple keeps sending me constant emails for their Apple Credit Card and does not give an option to unsubscribe from just their Credit Card offers. I'm tired of receiving these emails especially since they are sent almost twice a week. I have no interest in signing up for their Credit Card but would still like to receive other Apple emails.
Company Response:
State: CA
Zip: 91360
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Purchases and payments totaling over {$15000.00} on a card with a {$8000.00} limit that were not authorized by me. My XXXX I.D . was hacked in XX/XX/2022. My personal Information was stolen. Spoke with XXXX and Goldman Sachs XXXX in XX/XX/2022 when I saw multiple fraudulent purchases and payments not made by me. XXXX specialist had me delete that i.d . and told start a new I.D . Specialist opened my disputes for the activity and closed the account. There were numerous emails and payment methods attached to the account that were not mine. All of my disputes keep getting reversed. This is the third time I have disputed and I have also filed a XXXX police reports.
Company Response:
State: MI
Zip: 48162
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor APPLE CARD/GS BANK USA has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 92021
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Your Complaint : Target company : Goldman Sachs Marcus Describe your issue : CASE NAME : [ Your Name ] v. Goldman Sachs FACTS : The plaintiff has been a customer of Goldman Sachs and its Apple Card service for the past two years. Over the course of the past two years, the plaintiff has identified excessive charges and false information on their bank statements and Apple Card reports. The plaintiff has spent four months trying to resolve the discrepancies with Goldman Sachs. Goldman Sachs has refunded a part of the plaintiff 's claim but has not provided a full settlement for all the damages incurred. The plaintiff seeks a settlement for all the damages that have been incurred as a result of the billing error, which includes the excessive charges and the missing money in the XXXX for 2021. ISSUE : Whether Goldman Sachs is liable for the billing error that has resulted in excessive charges and false information on the plaintiff 's bank statements and Apple Card reports, and if so, what is the appropriate settlement amount for the damages incurred? RULE OF LAW : Under consumer protection laws, financial institutions have a duty to provide accurate and timely information to their customers, and they may be held liable for billing errors that result in damages to their customers. ANALYSIS : Goldman Sachs is responsible for providing accurate and timely information to its customers, including the plaintiff in this case. The excessive charges and false information on the plaintiff 's bank statements and Apple Card reports indicate a billing error that has resulted in damages to the plaintiff. The fact that Goldman Sachs has refunded a part of the plaintiff 's claim acknowledges their liability for the error. The appropriate settlement amount for the damages incurred will depend on the severity and length of time of the error, as well as any damages that the plaintiff may have incurred as a result. The plaintiff may seek a settlement that includes compensation for the excessive charges and missing money in the XXXX for 2021. CONCLUSION : The plaintiff has a strong case for a settlement with Goldman Sachs for the billing error that has resulted in excessive charges and false information on their bank statements and Apple Card reports. The appropriate settlement amount will depend on the specific circumstances of the error and any damages that the plaintiff has incurred as a result. A lawyer may help the plaintiff negotiate a fair and reasonable settlement amount with Goldman Sachs based on the strength of their case
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: *THIS IS NOT A DUPLICATE- ADDITIONAL EVIDENCE ATTACHED* I can not believe I have to keep fighting this. GM states I am responsible for late fees and interest because I did not make payment from XXXX to XXXX. I paid the account in full on XX/XX/XXXX for all charges up to that date. There were only 4 charges after that. {$72.00} and {$15.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX and {$20.00} on XX/XX/XXXX. THESE WERE FRAUDULENT/UNAUTHORIZED charges. All 4 have been disputed and APPROVED by GM. I have attached the 4 approvals and the statements with the original charges. GM is stating that because I did not make payment on unauthorized charges, I am responsible for the late fees and interest that accrued on those unauthorized charges. How is that legal? All authorized charges were paid in full. The late fees and interest are on the 4 unauthorized charges. Once the disputed charges were investigated and REMOVED, shouldnt all subsequent fees and negative reporting be removed?
Company Response:
State: SD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Dear Goldman Sachs, I am writing to express my deep dissatisfaction and frustration with your company 's recent violations of consumer laws and codes that are in place to protect individuals from credit card debt when they are unable to work due to medical issues. I have been a loyal customer of your company for several years and have always appreciated the benefits and rewards that come with using your credit cards. However, when I was diagnosed with a medical condition that prevented me from working, I was shocked to discover that your company continued to charge exorbitant interest rates on my closed credit card account, despite my inability to make payments. I feel that this behavior is in direct violation of consumer protection laws that are in place to prevent individuals from falling into crippling debt due to circumstances beyond their control. It is unacceptable that your company would take advantage of vulnerable customers in this way.
Company Response:
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Getting the loan
Subissue:
Consumer Complaint: This is a complaint that is being filed against GreenSky , LLC ( NMLS # XXXX ) aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a loan application together with my wife ( XXXX XXXX ) who is trying to establish her credit as she just came to the U.S. last year. We were verbally declined by GreenSky. On the same date I resubmitted a separate loan application on my own name and was declined by GreenSky. We feel that we were discriminated and do not understand why we were declined with GreenSky but approved by another lender ( XXXX ) on the same day at a higher interest rate and loan payment. Further, when I called GreenSky to understand the specific reasons why I had been declined, no one could tell me specifically why I was declined credit. We also feel that we were caught in a bait and switch scheme. Facts : I submitted a joint loan application with my wife to GreenSky on XX/XX/XXXX. We applied for a {$25000.00} loan with GreenSky to finance the acquisition of a new energy efficient air conditioning unit. The XXXX who was to install the unit XXXX XXXX XXXX XXXX personally took my application face-to-face and submitted it online to GreenSky on my behalf. XXXX XXXX told us that we were declined by GreenSky. When I ask the XXXX XXXX representative why we were declined, he was unable to tell us. He suggested to submit a new loan application under my own name and so we did. I was decline and again I was not given any specific reason ( s ) as to why I was declinedXXXX XXXX XXXX suggested that we submit my loan application to another lender ( XXXX ). I was hesitant as they had a higher interest rate, loan payment and term but agreed as I had no choice. My family was in potential danger since XXXX XXXX had determined that the furnace on my A/C unit was cracked and could potentially rupture and start emitting carbon monoxide throughout my house. I was approved with XXXX at an 8.99 % APR, for {$25000.00} for 12 years. GreenSky was offering 5.99 % APR for {$25000.00} amortized over 10 years. On XX/XX/XXXX or thereabouts I received a declined letter from GreenSky. On XX/XX/XXXX I called GreenSky at XXXX, the phone number on their declined letter. I talked to someone by the name of XXXX who did not have access to my application and was helpless. She insisted that I needed to call XXXX and said they would explain why I was declined. I told her their denial letter specifically stated the following : The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have the right to a free She apologized and said she was unable to help me. When I asked for their address where I could send her company a complaint, she said she did not have one and kept insisting that I contact XXXX. After I insisted and insisted and kept insisting that XXXX would not assist as they had not declined me for credit, she asked me for my date of birth and SS #. She then said that someone by the name of XXXX would assist me. When XXXX got online, I asked her title and she said she was a front-line manager. I told her my story and told her that I wanted to know specifically why I was denied because the reasons for denial on their letter were not reasons for denial under the law ( GreenSky reasons for denial were : 1. Number of recent inquiries on credit bureau report. 2. Unable to verify applicants identity. 3. Unable to verify application information ). She then told me that the reason I was declined was because my SS # was incorrect, I said how could it be incorrect when you pulled a credit report on me? And, if it was incorrect, then why did you not ask for the correct SS #. ( Subsequent to my call I requested a copy of my credit report from XXXX. Page 13 of the report shows a hard inquiry from GreenSky Installment ). She then said that I could re-apply. I said fine. I supposedly got transferred to sales, but instead, I was disconnected ( on purpose it seems to me ). I called back again and ended up talking to a customer service representative, someone by the name of XXXX. I told him my story and said that I wanted to file a complaint and he said he would open one a compliance resolution issue. On XX/XX/XXXX, someone by the name of XXXX from their customer service department called and said that she would open a compliance solutions case ( # XXXX ) and would notate that the reason of the complaint was an explanation for the reasons of credit denial. I asked her phone number and she gave me XXXX, x XXXX. She said someone from GreenSky would call me back. On XX/XX/XXXX XXXX called me back on a recorded line. She apologized and said could not see the reason why I was declined and could not offer any other information. she also mentioned that she could not resubmit my application because it was past 30 days from XX/XX/XXXX. I then asked, if you can not offer help then what is the purpose of your call? She said that it was because a complaint case was opened, and she had to follow up on the case as part of their protocol. Conclusion : I believe that under ECOA and Fair Lending laws, Im entitled to know the reasons why I was specifically declined. I feel that the denial reasons on GreenSkys denial letter are not reasons for denial. As a result of their denial, I ended up with a loan with a much higher interest rate, payment and loan term and feel that this is not fair. Based on my excellent payment history ( XXXX XXXX ), income and assets to support the loan, how can the same applicant with the same credit profile, assets and income can be approved for a {$25000.00} loan at 8.99 % APR, for 12 years, but declined for the same loan amount with a much lower rate and payment ( 5.99 % APR for {$25000.00} amortized over 10 years ). I believe this would be considered discrimination under both Fair Lending and ECOA laws.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My Apple Card has been restricted since XX/XX/2023. Since this process first started, Ive reached out to Apple Support numerous times and have followed all instructions provided to try and have this restriction lifted. Steps include resetting my Apple ID password and verifying my identity with Goldman Sachs. The restriction has been lifted temporarily twice, and each time it becomes restricted again as soon as a use it to make a purchase. This brings my account restriction total to three over the past few weeks, with zero explanation each time this has occurred. Despite continuing to follow their process and expressing how much of an inconvenience this is, my account still remains restricted with no ETA for resolution or guarantee that this will be a long-term fix.
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: I have been using an Apple Card for the past two years. The main reason I started to use the card was to create credit. However, I havent been able to access my credit reports/score. I have continuosly tried to solve the issue with Goldman & Sachs. At first they said since I was only a participant I wasnt getting my credit reported. That I had to opt-in for credit reporting if you are a participant. When I did, they told me the change would reflect on reports in the next few months. It is now more than 6 months after that and I still have no reports for my credit score. I called today and they said that they have no clue why its not credit reporting. This is an issue I have had for 2 years ongoing and still have no information. 2 years of positive credit lines without missing a payment and all for nought. Today the issue was taken to their investigative department to check the situation out. I want to report this issue to see whether it is an issue with the beureaus or with Goldman & Sachs.
Company Response:
State: PR
Zip: 00976
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A