Date Received: 2023-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Apple Inc./ Goldman Sachs is stating that I owe them a little over {$6.00}, XXXX which can not be possible because I never personally opened an account with them and if it is an account that was opened or debt owed it is the result of Identity Theft! Apple has not resolved this matter and is still trying to collect the supposed debt through XXXX which is not of my doing!
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Apple Inc./ Goldman Sachs is stating that I owe them a little over {$6.00}, XXXX which can not be possible because I never personally opened an account with them and if it is an account that was opened or debt owed it is the result of Identity Theft! Apple has not resolved this matter and is still trying to collect the supposed debt through XXXX which is not of my doing!
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I deposited {$41000.00} into a high yield savings account with Marcus on XX/XX/XXXX for the account opened on XX/XX/XXXX. My daughter referred me from her Marcus account so that we could both get their 1 % 3-month referral interest boost. I was immediately locked out of my account. I called them in early XXXX and was told I'd have to complete an Affidavit of Identity Form. I completed this form and sent it back immediately, paying to have it notarized. I did not hear from them and was still locked out, so I called them back and was told my form wasn't notarized ( even though it was ). They said they would send me another form to complete which I never received. XX/XX/XXXX I received an email that they closed my savings account. I called and was told they had closed it due to the funds not being claimed. What were they going to do with my money? I was told they would investigate this and to call them back on Wednesday, XX/XX/XXXX with no direct number to call except their main phone line to go over my case and have my funds transferred back to my bank. They haven't communicated with me and I've been on hold for hours trying to resolve this with them. I just want my money back.
Company Response:
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Problem with customer service
Subissue:
Consumer Complaint: I have a problem obtaining a Apple Card, Ive applied multiple times and dont understand why Im being denied.
Company Response:
State: NV
Zip: 89106
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I redeemed a statement credit for {$460.00} on XX/XX/XXXX. It states that its redeemed & points were deducted but never was credited to my credit card. Called over 10 times & it seems like they have no idea how to resolve the issue. Gm said they had a glitch & the same thing happened to everyone after a certain date. They never corrected it.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Subject : New Complaint Against Apple Card ( Goldman Sachs Bank USA ) for Repeated Inaccurate Reporting and FCRA and CCRA Violations Dear Consumer Financial Protection Bureau, I am writing to file a new complaint against Apple Card ( Goldman Sachs Bank USA ) for their continued inaccuracies in reporting my payment history to the three major credit bureaus ( XXXX, XXXX, and XXXX ) and the violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Reporting Agencies Act ( CCRA ) and also to clarify the nature of the four complaints I submitted to the Consumer Financial Protection Bureau ( CFPB ) that are now closed. While my initial complaint that is still open for the data of XX/XX/XXXX, is indeed related to the erroneous credit reporting by Goldman Sachs USA Bank, the subsequent complaints were filed due to new and separate issues that arose as a result of the financial institution 's ongoing handling of the matter. Since filing my initial complaint as of XXXX XXXX XXXX the following new issues that have impacted my credit report and violate the FCRA and CCRA have emerged, prompting me to submit this additional complaint : 1. The financial institution reported an additional 30-day late payment to my credit reports for a different month than the one mentioned in my initial complaint, further damaging my credit score. The initial complaint on XX/XX/XXXX, only mentioned the XX/XX/XXXX XXXX mark. Since XX/XX/XXXX, Goldman Sachs Bank USA Apple Card changed the 30-day and 60-day late mark to the month of XX/XX/XXXX, which resulted in a drastic change in my credit score. When called about this issue, Apple support admitted they made a mistake, yet had no record in the system of this why XX/XX/XXXX was reported as late by 30 and 60 days, as I was never late. This warrants a new complaint. 2. A 60-day late payment was added to my XXXX credit report, which is a separate and distinct issue from the previous 30-day late payment reports noted in my first complaint made on XX/XX/XXXX. The 60-day late mark for XX/XX/XXXX, then XX/XX/XXXX, then removed and placed back to XX/XX/XXXX since my initial complaint on XX/XX/XXXX, to CFPB impacted my credit and overall stress during my current XXXX XXXX When I reached out to Apple Card about this, they had no explanation for why the 60-day late mark was added as they only showed inaccurately that I was late by 30 days which Apple admits is both incorrect. This warrants a new complaint. 2. The Goldman Sachs Bank USA since my initial complaint on XX/XX/XXXX has repeatedly removed and re-added the erroneous late payment reports to my credit history over two times, first changing the month from XX/XX/XXXX, initially reported XX/XX/XXXX, yet since that time on multiple occasions including removing then reading the 30 days and 60 day late payments on XX/XX/XXXX, and XX/XX/XXXX causing confusion and inconsistency in my credit reports. Since my complaint to CFPB on XX/XX/XXXX, Apple, as recently as a few dates ago, noted XX/XX/XXXX and XX/XX/XXXX, removed and readded the complaint. After receiving a call from Goldman Sachs Bank USA yesterday, XX/XX/XXXX, from XXXX XXXX from the number XXXX, It was shared that the reason for the removal and readditions was because multiple customer service representatives are working on my case. XXXX XXXX with Goldman Sachs Bank USA shared during this call yesterday that some customer service representatives have applied the negative marks 30 days and 60 days late. In contrast, others removed it, showing this is not a computer error but made by people within the Goldman Sachs company despite my multiple complaints and disputes with the company. XXXX XXXX shared he listened to the recorded calls and could only apologize and send in another letter to the bureaus starting the inaccuracies. Yet, since my initial XX/XX/XXXX complaint to the CFPB, this has led to significant drops and changes to my credit since the initial CFPB complaint on XX/XX/XXXX, due to the removal and readdition, and changes to the months reported inaccurately, including the time frame of 60 days and 30 days. These new issues are not merely duplicates of my initial complaint, as shared in the four complaints to CFPB notes before, but rather a result of the financial institution 's continued mismanagement of my credit reporting dispute. I kindly request that the CFPB consider these complaints separately and take this new complaint with the developments that extend further than my initial complaint on XX/XX/XXXX, and note the severe violations of the FCRA and CCRA that have been committed by Goldman Sachs Bank USA after the initial complaint, as they pertain to distinct issues that have arisen due to the financial institution 's ongoing negligence in resolving my credit reporting problems. Below is an in-depth explanation of how this is a completely new complaint to my initial XX/XX/XXXX, CFPB complaint and should be considered as a standalone complaint that shares the new instances of FCRA and CCRA violations XXXX New Complaint 1 : The XX/XX/XXXX negative mark was moved from the month of XX/XX/XXXX to the month of XX/XX/XXXX since the XX/XX/XXXX, CFPB complaint. This led to my credit score being impacted further with a loss of points. When Apple, Goldman Sach Bank USA was called to ask why, they had no notes or explanation for this change. Please reference the attached documents. New Complaint 2 : A 60-day late reporting on my XXXX credit report for XX/XX/XXXX, despite never being 30 or 60 days late after my XX/XX/XXXX, CFPB complaint. Before I was only reported 30 days late, yet I am now being reported 60 days late this showed both in the new XX/XX/XXXX report and then back to the initial XX/XX/XXXX report as of today, XX/XX/XXXX. The complaint emphasizes the significance of the discrepancy and requests further investigation as initially, on XX/XX/XXXX, the CFPB reported the 30-day late mark on my credit for the month of XX/XX/XXXX. Since that time of XX/XX/XXXX complaint to the CFPB, Goldman Sach has changed the month I am late to XX/XX/XXXX without explanation or documentation for why- further impacting my credit, written me a letter and has multiple customer service representatives call me to apologize only to remove then readd the negative marks, included negative marks for both 30 days and 60 days. Please reference the attached documents. New Complaint 3 : Over three times since my initial complaint on XX/XX/XXXX to the CFPB regarding Goldman Sach Bank USA the 30 day and 60 day mark has temporariarly been removed following multiple complaints and disputes to Apple Card directly and most recently to three credit bureaus. Yet they have been subsequently re-added as 30-day and 60-day negative marks by Goldman Sachs Bank USA Apple Card repeatedly to all three credit reporting agencies. Most recently the deletion and readditin happened via both XXXX and XXXX credit reports on XX/XX/XXXX, and XX/XX/XXXX. Please reference the attached documents. Please reference thetattached. These new developments have occurred since my initial complaint to CFPB on XX/XX/XXXX, and warrant a completely new complaint being filed against Goldman Sachs Bank USA Apple Card 's practices as they continue to make new violations to FCRA and CCRA and violate my rights despite admitting both verbally and in writing that these reports or erroneous and in no way my fault but the result of negligent and willful behavior by the company. Due to since my initial complaint on XX/XX/XXXX to the CFPB, Apple Goldman Sachs Bank USA has made multiple removals and re-additions of the negative marks after their removal, coupled with the constant changes in my credit report causing significant damages, demonstrating a continued willful and negligent violation of the FCRA and CCRA regulations. This ongoing negligence has severely impacted my credit, XXXX XXXX, and family well-being, in addition to affecting our home-buying plans and the closure of one of my {$6000.00} credit cards that I have had for years and overall credit usage. I kindly request that the Consumer Financial Protection Bureau thoroughly evaluate the new violations since my initial XX/XX/XXXX complaint to the CFPB against Goldman Sachs Bank USA, for the new violations of the FCRA and CCRA against my rights since my initial complaint on XX/XX/XXXX CFPB complaint. I assert that this written complaint is completely different than my XX/XX/XXXX CFPB complaint currently open and thus should not be marked as a duplicate, as detailed above. This complaint here in written should stand alone as a completely new complaint with multiple new violations of both the FCRA and CCRA made after my initial complaint on XX/XX/XXXX that Goldman Sachs Bank USA should be accountable in being held responsible for and responding to. I appreciate your attention to this matter and look forward to your assistance in resolving this persistent issue.
Company Response:
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I visited XXXX XXXX XXXX located on XXXX XXXX XXXX XXXX in XXXX, New Jersey. I stumbled upon the business a week earlier while driving through XXXX after leaving a different XXXX XXXX XXXX XXXX XXXX XXXXocated a few blocks over. I initially visited them to get a consultation however they didn't have any immediate availability until XX/XX/XXXX. I wanted a consultation a bit sooner. So, as a mental note, I snapped a picture of the XXXX XXXX XXXX Business sign so that I could look them up later on. Fast Forward back to XX/XX/XXXX, I decided to look them up via XXXX and get their contact information while at work. I called them, and spoke with the receptionist, her name is XXXX, to inquire about scheduling a consultation, she stated that they had immediate availability and that I could come in the same day. I dropped everything and headed to their office. I met XXXX XXXX XXXX, we spoke briefly, formal greetings, before heading to get my XXXX taken by his XXXX XXXX, very personable. After my XXXX were taken, I was escorted to his chair. I shared in detail what I was looking to get done, which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I showed him a picture of what I was looking for which was a picture of XXXX, XXXX XXXX. Thats whose XXXX I admired and wanted to encapsulate. He agreed that he could make it happen, and then further suggested that We/ I get a complete XXXX XXXX Feeling encouraged by his response, I shared with him my ongoing insecurities about my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( didn't help much ), but it wasn't what I wanted, I wanted a BETTER XXXX I wanted XXXX XXXX- and that it's something that I've been wanting to do for YEARS, I literally saved up cash money for this very procedure, I was turning XXXX XXXX XXXX in XXXX, and did not want to spend more years feeling insecure about my XXXX It literally has affected my professional career, to an extent, and I wanted to address it with expediency. After reviewing my XXXX and XXXX XXXX determining that he can make it possible for me to get XXXX XXXX, I began to ask him questions about the procedure in terms of pricing. He didn't share the amount immediately, but he did ask me about my credit. I shared that my score was XXXX ( XXXX ), and that I had {$14000.00} cash set aside to pay towards the procedure. So on this very day, he immediately contacted his finance department that assists with the clients financing their procedures. In less than 30 minutes, I was approved. PRICE BREAKDOWN : The full amount came up to {$40000.00} which he said he would discount to {$36000.00}, which in reality was {$38000.00} ( See Treatment plan & Statement of Account receipt attached ) {$14000.00} cashiers check that I furnished - made payable to XXXX XXXX XXXX XXXX XXXX. I had to finance through two different companies affiliated with the XXXX XXXX office ( see those documents & screenshots of approvals attached ) 2 ). Green Sky Program - I was approved for {$12000.00} XXXX ). XXXX XXXX XXXX I was approved for {$7500.00} XXXX. ) XXXX XXXX XXXX, XXXX XXXX- they used my entire XXXX allotment- almost {$2000.00} 5. ) Patient Courtesy ( Discount ) {$4200.00} The specific XXXX I agreed to pay for after being shown a chart with several types of XXXX that would suit my needs, I chose a well known type also known as XXXX XXXX XXXX XXXX XXXX which is a XXXX XXXX placed on the front of the XXXX to structure for an even and perfect XXXX Again I showed him a picture of XXXX XXXX XXXX which is the look I desired, a natural looking XXXX I made certain to emphasize the fact that I did NOT want my XXXX to look like they were XXXX He assured me that that would not be the case and that I was in good hands. I left the office that date encouraged and excited about the journey ahead to achieve my XXXX makeover. XXXX gave me a scheduled date of XX/XX/XXXX at XXXX am to begin imaging and impressions of my current XXXX which included a XXXX XXXX on my XXXX XXXX that needed to be removed and then to be prepped for the XXXX All XXXX were sent to a lab while I was provided XXXX in the meantime at the XX/XX/XXXX visit, while waiting on the permanent XXXX to be installed on another scheduled date in XX/XX/XXXX. The first set of XXXX boasted a lot of discomfort for me. They were huge, it Hurt when I would try to XXXX XXXX so I immediately shared my concern with XXXX XXXX, I then had a subsequent appointment scheduled for XX/XX/XXXX at XXXX ( see screenshot ) so he can help alleviate the discomfort. He ended up having to create another, smaller version of XXXX ( he contoured it a bit more this time ). It was a lot more bearable. Next appointment scheduled for XXXX XXXX XXXX was XX/XX/XXXX at XXXX. However, I MUST NOTE my Disdain because I was completely under the assumption that I was receiving the end-product I agreed to pay {$36000.00} for, which was well communicated to XXXX XXXX that he insisted I would be happy with the completion of the procedure. On XX/XX/XXXX, the day the XXXX XXXX were to be installed XXXX XXXX never explained the full procedure to me, nor explained if there was any need for modifications or issues with my XXXX that would prevent me from obtaining the perfect XXXX I requested with the exact XXXX XXXX XXXX I paid for ( see treatment plan attached ). During the operation to my XXXX as a patient I was totally unable to view what was taking place in my XXXX by XXXX XXXX while conducting this transformation. Once he was done he stated I have the XXXX and the look I anticipated for so long. Once the mirror was given to me I was told to XXXX and all I saw was white XXXX which was a huge difference and a great tone to my face, however I explain to him that XXXX XXXX XXXX XXXX XXXX XXXX which look very obvious looking at my face that the XXXX was too big for XXXX XXXX XXXX He said that is the immediate appearance thats common for all his patients undergoing this type of procedure and that once the swelling goes down, I would be able to see the difference. Days after final installation I reached out, I made complaints to XXXX XXXX that I was not satisfied with the outcome due to the bulkiness of the XXXX that didnt fit my face, and that I was experiencing discomfort while XXXX ( again ), Extreme sensitivity, and my XXXX was NOT aligned. On XX/XX/XXXX at XXXX I had an appointment, He asked me to come in so he could see what he could do. He continued insisting that he can make XXXX XXXX and contour my XXXX as small fixes assuming that would do the trick, but I wasn't happy at all! I constantly shared that this is NOT the end result I hoped for. I had another appointment on XX/XX/XXXX at XXXX, to AGAIN, try to arrive at a place of satisfactory, because I continue to have unsightly bulkiness and extreme sensitivity while XXXX. XXXX XXXX again, tried to contour some more, and attempted to further adjust my XXXX On XX/XX/XXXX I traveled to XXXX, XXXX for vacation. While in XXXX, my fianc chose to start his process to get his XXXX done with a well known dentist to many in the states. XXXX XXXX XXXX of XXXX XXXX XXXX in XXXX. So I made a mental note to question her once she completed the evaluation with my fianc for the purpose of identifying the work done on myself, so as a curiosity she allowed me to be seen for a consultation and informed me that I have all XXXX in my XXXX which explained the bulkiness of the XXXX that didnt resemble the flat appearance of ACTUAL XXXX. In complete befuddlement, I asked her what can I do to get the XXXX XXXX XXXX I requested and she disappointingly informed me that I was not able to receive that look anymore. After being fully educated at that moment with XXXX XXXX of XXXX XXXX XXXX, I learned that for XXXX your XXXX would have to be filed down no less than [ XXXX ] so that it can be placed on the exterior of XXXX XXXX As for XXXX your XXXX have to be shaved down even more at a [ XXXX ] to fit over the existing XXXX This means my XXXX is shaved down too low to ever receive the look and product I paid so much money for because XXXX XXXX took the liberty to do a procedure I did not ask for without confirming with me what I thought about it or what I feel about it before he did a irreversible operation without my authorization, which was not in our Treatment plan agreement, nor does the paperwork I signed indicate a XXXX XXXX of XXXX to the financial department that helped me fund with these installment loans that I am obligated to pay for ( with interest ). The paperwork submitted to each of the above financial companies also received the exact document I received that clearly stated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I insisted after I returned from my vacation to XXXX with my fianc that I was going to address this issue with XXXX XXXX one last time with hopes he can explain what he did and what type of material he used to place in my XXXX Once I arrived back home to XXXX XXXX I made it my business to reach out to XXXX XXXX for an appointment to simply record the meeting with him after now understanding from another doctor what happened. I brought a recorder since it is perfectly legal in my state of residence, New Jersey, which is a one consent state that allows you to take video or voice recording of any conversation to protect yourself as a consumer. On XX/XX/XXXX I walked in the office waiting to see XXXX XXXX. As I sat in the waiting room I mentioned the receptionist whom I ask purposely of her opinion for the record to identify why my XXXX are so huge and bulky and her response was said on the recording that she didn't think they were bulky -looking but she sees what I mean. I made sure my Audio recorder ( see audio attached ) was on to get a full statement from the XXXX XXXX that seemed very upset and aggravated with a hint of frustration to my direct questions about XXXX XXXX XXXX What he stated made no sense to me, and very much not what I was told in the beginning or I would have never allowed myself to sit in his chair to do what he did to me without giving me the privilege as a client or consumer the option to decline or accept his method used. Now I have an irreversible situation that will not allow me to reach the perfect XXXX I worked so hard to achieve by saving all my funds accordingly to anticipate this process with great results for the money I was spending. I felt very much violated and discriminated against because of the XXXX XXXX XXXX XXXX knowing that if I was of another ethnicity I would not have been treated in such a manner with no regard to what I requested, nor any type of real explanation for so long. So I decided to contact the CFPB within the statute of limitations to report this dental office and specific dentist as well as the financial companies that were either lied to by XXXX XXXX of the type of procedure he was doing or participated in the type of procedure received. Either way, the paperwork never changed to identify the incorrect work done. ( XXXX XXXX XXXX XXXX In Conclusion, I would like to see the paperwork from each financial company : Green Sky Program and XXXX XXXX XXXX in full detail that reveals the breakdown of the requested work that was to be performed by XXXX XXXX describing these services that I agreed to pay for. If this paperwork has not been corrected with either one of these companies I need an explanation why? And if the documents were changed, why did I not get the change order of the treatment plan paperwork as well clearly stating I received crowns and not XXXX and the reason why? I received NO FURTHER CONSULTATION from XXXX XXXX describing the need to install ALL XXXX XXXX XXXX XXXX XXXX which is what I asked and agreed to pay for, per my attached treatment plan. Furthermore, im also pointing out that I was charged for an XXXX that I DID NOT receive. This in and of itself warrants an investigation because the paperwork does not match the procedure.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
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: It all started at the beginning of the year, some time around XX/XX/2023. I placed an order for a really expensive pair of shoes through the XXXX app which i have used several times. Everything seemed fine until I noticed the delivery system said my package would arrive a couple days early but that was not the case. I never received the package and the delivery system changed the date for two days out. I was a little annoyed but it was fine I could wait an extra day or two but when the day came I got an email telling me my shoes were delivered but I never found a package at my door. I thought you would have to sign for an expensive pair of shoes valued at over {$2500.00} but I guess not. I contacted XXXX immediately and they told me to wait 3 days and contact them again. So I waited those 3 days and still got nothing and contacted them again which they then requested I fill out an affidavit or file a police report to initiate the claim. I told them I had the right to refuse to fill out an affidavit and police report countless times and they still insisted I fill one out to get my money back. They have held my money for months now unless I file one which sounds totally illegal by the way. I then told XXXX I will file a dispute with my credit card since they want to hold my money for ransom and they proceeded to tell me they have already filed a claim with the carrier and they will work with my bank to figure this out. ( I thought they needed my to fill out a police report or an affidavit to initiate the claim... are they pocketing the insurance money and my money? ). 3 months later I finally get news that my credit card sided with XXXX and will not refund me my money. I then requested the documents and evidence from them like the email stated I had a right too and they haven't sent me a single document so far. I made them re-dispute the claim but I have no faith for them doing the right thing.
Company Response:
State: CA
Zip: 91042
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Goldman Sachs or Apple card decreased my credit limit to almost 1/3 of what it used to be. The information they are using to make this decision is not accurate. Legislators designed the CARD Act to protect consumers from unfair and abusive practices by credit card companies. The acts credit card safeguards fall under three broad areas : consumer protections, enhanced consumer disclosures and protections for young consumers. Under the CARD Act I should have been notified 45 days in advance that my credit limit would decrease additionally, I should have also received an adverse action letter about this. However that NEVER happened. I never received my adverse action letter or any form of notification that my credit limit was going to increase, This is discriminatory, and predatory because if they are notyfing others and not me that does not give me a fair deal or fair treatment. Additionally the information they are using to make the decision Is not accurate. The timing of when they made the decision leaves a lot of room for question because the transunion report they are receiving is not accurate. In fact my credit with XXXX is currently frozen b/c i am disputing fraud.
Company Response:
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Apple credir card was over paid they call me every week for more money
Company Response:
State: CA
Zip: 95901
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A