Date Received: 2023-04-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I do not consent to being contacted through anything but certified mail. If I receive any response other than certified mail rebutting all of the points made thus far, GOLDMAN SACHS BANK is knowingly and intentionally violating me under federal law. Every violation will result in a fine. I sent a CEASE AND DESIST Notice on XX/XX/23 and I am still being contacted. According to USC 1692 ( C ) ( a ) : Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I never gave intended permission to GOLDMAN SACHS BANK or ANY third-party affiliate to contact me. USC 1692 ( C ) 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. A debt collector who fails to comply with any provision of the FDCPA is liable for : Any actual damages sustained as a result of that failure ; Punitive damages as allowed by the court : in an individual action, up to {$1000.00} ; or in a class action, up to {$1000.00} for each named plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or 1 percent of the debt collectors net worth, whichever is less ; Costs and a reasonable attorneys fee in any such action. GOLDMAN SACHS BANK has still not provided me with ALL of the information listed below. The identity of the original creditor. The amount of the alleged debt. The name and address of the original creditor, if different from the current creditor. The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural person ), and GOLDMAN SACHS BANK, proving I agreed to pay the alleged amount knowingly and intentionally in wet ink. A GAAP accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt. Proof of compliance with the truth in lending laws of the United States XXXX, title XXXX XXXX XXXX et. seq. and XXXX XXXX. It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act, and it is your obligation to supply me with the aforementioned materials.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
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: I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, 30 day late payments violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments. They have violated my consumer rights. I demand a reinvestigation of the account in question and modify and update correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The creditor is not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. And according to15 USC 1666 creditor has violated my consumer rights. 15 USC 1692C
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Dear CFPB, I am writing to submit a complaint regarding the Savings Account provided by Apple and Goldman Sachs, which offers a 4 % + return rate but requires applicants to have an Apple Card credit card as a prerequisite for applying. Upon applying for the Savings Account 's prerequisite Apple Card on XX/XX/2023, I was denied due to " insufficient credit history '' after Goldman Sachs only checked my XXXX credit history, which had a thin file on me. If they had checked my credit history with XXXX or XXXX, they would have approved me immediately. This situation exposes consumers to Goldman Sachs ' bias towards a credit rating company that does not take all possible measures to mitigate a thin file on an individual with a proven high credit score with other rating companies -- especially when the consumer 's ultimate goal is a Savings Account. I contacted XXXX regarding this issue and they advised me to plead with transaction parties sending data to other rating providers to also send data to XXXX, which is completely unscalable. I suggest the following action items be taken : 1. Apple should fix its Card application flow to have an appeal process with manual triage to review and mitigate obvious case errors. Their robotic denial process currently refers the consumer to XXXX to resolve issues. 2. Goldman Sachs should reduce sampling bias by asking for credit rating from more than a single provider, namely XXXX, XXXX and XXXX. XXXX. XXXX should be held accountable for the consumer experience from a thin file and should be responsible for backfilling data available at other rating providers when a consumer can objectively prove the disparity. I request that CFPB investigate this issue and take appropriate action to ensure that consumers are treated fairly by financial companies. Thank you for your attention to this matter.
Company Response:
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I currently hold a credit card with Apple through Goldman Sachs. I made my payment on the card for XXXX on XX/XX/XXXX, but on XX/XX/XXXX they drafted 4 more payments that were not authorized. When I contacted them after the first payment drafted I asked them to cancel any and all payment drafts that were still showing. Every hour following I continued to receive notifications that payment was drafting. After each notification I kept calling and asking that they cancel them and they refused stating you need to contact your bank and have them cancel the payments because it looks like there was fraudulent activity on your account. When i asked if they would reimburse me any fees that were incurred because of this fraud the rep said he would notate my account. I had to contact my bank to put a stop payment on all of the amounts. I then proceeded to have billing issues with the devices that I had on installments with the Apple Card and reached out to the Goldman Sachs representatives who claimed that in order for my billing issues to be resolved I needed to add a bank account back onto my account with them. I asked to speak to a supervisor again and they only said that there were no other representatives that I could talk to and did nothing to resolve my issue or answer any questions. When a different supervisor reached out to me she stated that they would not be waiving any future fees that should post because they already waived 1 {$6.00} interest fee and was very condescending when I tried to explain what I could see on my end and how it wasnt matching up with the information she was giving me. All of the representatives and supervisors have told me different stories in relation to my account and multiple have told me that they would not be doing anything to protect me from the fraud that they claimed they could see on my account. The last supervisor I spoke with claimed that I will be paying interest for the next 2 months following this issue and when I asked Why if I pay off my card every month? She said it rolls over from the previous months balance. When I asked why there would be a rollover if there was no previous balance she said thats just our billing policy. I believe that violated my Fair Credit Billing Act to be charged interest in a situation where the Goldman Sachs Apple Card reps themselves are telling me that they are noticing fraud on my account.
Company Response:
State: TX
Zip: 79934
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Goldman Sachs issues " Apple Cards ''. They are sending me letters via USPS claiming I have a past due balance of {$61.00}. I have never applied for an Apple Card nor do I have an Apple Card .Goldman Sachs so called " Apple Card Specialists '' are of no help at all. They tell me to call police or contact Identitytheft.gov. Since they issue the cards it seems like they should at least try to resolve the issue. They can't give me an account # ( claims they don't use account # 's, what the charges are for or where they occured. Seems ridiculous to me.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: AFTER DOING A MINOR AUDIT OF MY ACCOUNTS I FOUND SOME FRAUD CHARGES ON MY CC. I REACHED OUT TO THE CC AND WAS TOLD BY CAPITAL ONE THAT I NEED TO CONTACT XXXX XXXX AS THE ACCOUNT WAS TRANSFERRED OVER. WHEN I CONTACT XXXX XXXX THEY TELL ME TO CALL CAPITAL ONE. I DONT UNDERSTAND THIS BACK AND FORTH AND WHY THEY REFUSE TO HELP ME.
Company Response:
State: CA
Zip: 95688
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Applied for a credit card and was denied XXXX months after bankruptcy finalized. Negative reports still on credit bureaus
Company Response:
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have two issues with their rewards department that I have called so many times on and been on the phone over hours and nothing has been fixed. This credit card is Marcus by Goldman Sachs. My first issue was that on XX/XX/2023 I used my points to redeem two gift cards. One was for XXXX for {$100.00} which I did get it virtual on my email. The second one I got it for {$100.00} and it was for XXXX XXXX which my points got deducted for but I never received it. I called so many times for it and all I got told was to wait 24 to 48 hours and I until this day I have not received it. I have checked my spam, junk, deleted folders and nothing. All I get told is that they cant do anything to just wait but I have been waiting for months and has not been fixed. My second issue is that I used my credit card at the dealership for an oil change and I called to use my points towards my oil change which was {$65.00} and the the representative said my statement cycle would be paid off and my balance would be at {$0.00} since I had no other transactions pending or posted. When I got the confirmation and hung up I went to check and only {$5.00} got applied but I got my points deducted for {$65.00} and I have called multiple times and all they tell me it has been escalated to wait for a call back but my bill is due. I dont see why I should pay it when the reason I got the credit card was to use it towards my car services. I have been trying to close my credit card and I just cant seemed to get any solutions.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid my statement balance of {$5000.00} in full via my bank bill pay. The balance was due on XXXX XX/XX/2023. My Bank, USAA Federal Savings Bank sent payment to arrive by XXXX XX/XX/2023. Marcus by Goldman Sachs, notified me that I had a late payment and therefore owed {$29.00} in late charges and {$78.00} in interest. I immediately confirmed payment was sent by my bank and called Goldman Sachs on XXXX XXXX. I was told by Goldman Sachs that there records indicate that I paid my statement balance in full on XXXX XXXX. I explained that I confirmed payment by my bank and asked for the late fee and interest be removed. The customer service representative removed all but {$21.00}. I have bill pay set up to pay the {$21.00} so not to incur any additional fees, but I am writing to complain that they are still charging me {$21.00} for a payment in full that was set up via bill pay to pay prior to the due date. I feel they are stealing {$21.00} from me and I don't have a recourse. I am asking they credit the {$21.00} for I should not owe any fees or interest for a payment paid in full. Attached is a copy of the payment from my bank.
Company Response:
State: VA
Zip: 23693
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
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: The issues is with golden sach bank Aka apple credit card I submitted a payment for {$1000.00} from my escrow account the check was cut on XX/XX/ and they cash it on XXXX the XXXX but had yet to post to my account I reached out to customer service 5 times still no resolve I have also sent screen shots of the check with the check number still no status update I contacted them again today they said I have to wait 10 busiensss days this is affecting my being able to close on my house this account has to be brought to a XXXX Balance customer service keeps giving me the run around I need your help please and thank you
Company Response:
State: CA
Zip: 95822
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A