Date Received: 2023-04-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX XXXX XXXX, Marcus GM Rewards Card by Goldman Sachs sent me an e-mail special offer stating that if I opened a new GM credit card account and spent {$1500.00} in fuel per calendar year, I would receive a {$100.00} statement credit. Thus, I accepted the offer and made {$1500.00} in gas purchases by XX/XX/XXXX, which was three months earlier than the expiration date. In XX/XX/XXXX, I called GM Rewards Card customer service to inquire why there was no {$100.00} credit shown on my statement. The representative I spoke with told me that it would take 2 billing cycles for the {$100.00} credit to be deposited into the account. On XX/XX/XXXX, there was still no {$100.00} credit deposited into my account, so I called to inquire about the matter. The bank representative XXXX XXXX ) did not know why there had been no deposit yet into my account, so she decided to open up a case regarding the issue ( XXXX XXXX : XXXX ) and informed me that a bank specialist ( XXXX ) will contact me in 3 to 5 days. I waited for the phone call, but no one called. On XXXX XXXX XXXX, I called again and asked to speak to the manager ( XXXX XXXX, and he promised that he would call me back by the end of the day with a resolution. I never received the phone call on that day, and its been almost a week and no one has contacted me. Bucking responsibility and forgoing accountability is one thing, but to personally promise a customer that you will take care of the issue and never do so is beyond poor service. I understand that mistakes happen, computer failures occur, and things cant always run as smoothly as planned. However, I dont understand the lack of customer service that I received. I felt disregarded and unvalued, much to my disappointment and consternation. Providing the best banking service, or even just plain old good service, instead of the service itself will undoubtedly make a difference. Never forget that todays customers expect and demand to know how their money is handled. Failure to provide answers to a customers questions or inept management that could care less about anything except their inflated egos will only bring loss of business. I still haven't received the {$100.00} promotional offer that I was promised, even though I fulfilled all the requirements within the first calendar year of my account opening. This bank is unscrupulous and is manipulating customers through false advertisements, deceptive representations, and omissions. This corporate conduct is illegal and corrupt. An examination of this bank is very much needed. Thank you for your time and attention.
Company Response:
State: OH
Zip: 43615
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My fianc has an Apple Card and added me as an authorized user. Apple sent me a physical card and also created a virtual card in Apple Pay for me to use. The Apple Card does not have the card information printed on it - that information is stored in the virtual Apple Card in the iPhone wallet. I am unable to view the card information in the virtual wallet due to an error that Apple is aware of. I have communicated with Apple support over the last 3 months and no resolution has come for this issue. Therefore, Im unable to view or know my Apple card #, expiration date and CVV. Im unable to use the card to make online purchases or any purchases requiring that information. I have communicated with Apple support over chat, over the phone, sent diagnostic reports to support and allowed them to remote into my phone to investigate and to take screen recordings. There has been no communication to me with an ETA on when this issue will be resolved. I need to be able to view and access this information in order to have full use of the credit card.
Company Response:
State: NC
Zip: 28081
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/XXXX I called my credit card company to remove a restriction they placed on my account without my consent or knowledge. During the verification process to get access to my account the representative requested my private info ex ssn, DOB etc. I asked if I could be verified another way because I am not co comfortable with providing my private information and I was told NO there is no other way. I find this to be very disturbing and careless of the company. I do not want to be verified my by private information each time I call customer care. Id like to know what the rules are for verification process on a credit card company. Thank you.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2023-05-17
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: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/2023, I notice several charges on my apple credit card from multiple venders that approximated a total of {$6000.00}. The first charge was on XX/XX/XXXX and the last was on XXXX XXXX. I submitted my first fraud report to Apple on XX/XX/XXXX, but they did not freeze my card. The charges continued until XXXX XXXX when I finally was able to get Apple to freeze my card. I submitted a fraud report for all the charges adding up to about {$6000.00} and after an initial investigation, Apple told me the charges were verified. When I went on some of the websites from the charges, many of them were from overseas stores and some I could not find at all. I submitted a dispute to Apple for all these charges again on XXXX XX/XX/2023. The dispute findings have not been finalized yet. I did my due diligence in informing Apple as soon as I saw the charges but because they did not take proper steps, there were additional charges made to the card. The credit card fraud I have experienced is very significant due to their lack of due diligence. The pattern of purchased made on my Apple Card is clearly a pattern of fraud. I have never purchased from any of those venders before, or made charges in that amount to any of my cards. I am requesting this issue be looked into as it has severe financial repercussions for me.
Company Response:
State: KY
Zip: 40165
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 when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: On XXXX XXXX, I noticed that my recent Apple Card transactions did not appear in my Apple Wallet as they normally do. The most recent transactions I was able to view were from XX/XX/2023. Transaction history does not appear online, nor anywhere else except Apple Wallet, yet I am still being prompted for payment, I can charge to the card, and interest accrues. I can do everything except see my transaction history. When I contacted Apple Support, they mandated that I have to update to the most recent XXXX in order to view an accurate transaction history. Transaction history should be viewable on the web AND the app, and users should not have to update to the most recent XXXX for simple functionality. I was never informed in the TOS nor by Apple that this was a requirement to view my own transaction history.
Company Response:
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS XX/XX/2023 THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM 3 CREDIT BUREAS.as of account XXXX XXXX apple XXXX XXXX the 3 credit bureas removed this fraud account, and then between XX/XX/2023 -- -- XX/XX/2023 this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as XXXX not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT. it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible! thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!! under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
Company Response:
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi, I'm reporting on the issue of online saving acct. and CD acct. by my Goldmans Sacks Bank USA, online website marcus.com. I have my saving acct. by GS bank for many years and have sufficient funds in my accts. I called their customer support over the weekend of XX/XX/23 for transfer to a valid external acct. verified and listed by GS bank. Their customer representative verified my acct. and placed my transfers as requested. These valid transfers were shown in their system. However, next Monday on XX/XX/23, they reversed my transfers. Once knowing this, I called them back. However, they refuse my valid transfer. I called back several times. They now lock my acct. to transfer to all other external bank accts. and don't even let me the internal transfer to another GS bank acct. I called back yesterday again, they refuse to unlock my acct. for valid transfers. Regards,
Company Response:
State: WA
Zip: 98275
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
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 am deeply concerned and extremely dissatisfied with the way disputes are being handled by Apple Card, issued by Goldman Sachs. Their approach towards dispute resolution demonstrates a blatant disregard for the gravity of the situation and reflects an alarming lack of professionalism. The subpar service provided not only raises questions about their commitment to customer satisfaction, but also severely undermines the trust that consumers place in such an esteemed financial institution. 1. Dispute Case Number : XXXX ; {$14.00}. On XX/XX/XXXX, I was extremely dismayed to receive the case result from Goldman Sachs, the issuer of Apple Card, which indicated a credit of {$2.00} and a subsequent rebilling of {$11.00}. According to Goldman Sachs, I had already received a credit from the merchant for the disputed amount, which I firmly believe should have been {$11.00}. However, upon closely examining my transaction history, I discovered that the only {$11.00} credit I received was dated XX/XX/XXXX. Furthermore, the merchant 's website clearly states that this amount corresponds to an entirely different order. 2. Dispute Case Number : XXXX & XXXX ; {$350.00}. After receiving the result of my initial dispute, I found significant inaccuracies in the evidence provided by the merchant, prompting me to file an appeal on XX/XX/XXXX. In my appeal, I highlighted four issues and submitted three supporting documents to bolster my case. My dispute was not about a cancellation but rather a hygiene issue with a hospitality service. Additionally, I pointed out the misleading 12-hour request that the merchant 's evidence couldn't even support, and the fact that the document provided by the merchant wasn't accessible to customers at the time of booking. However, upon receiving information on how Goldman Sachs made their appeal decision, I was dismayed to find that the documents and information used were identical to those in the first dispute. This raises serious concerns about whether my appeal was even duly considered. Furthermore, when I attempted to request information about the appeal decision through chat customer service on XX/XX/XXXX, I encountered strong resistance from the representative, who even stated, " there is no need to do that, the decision has been made. '' This entire experience has left me extremely dissatisfied with the dispute resolution process of Goldman Sachs. I am disappointed by the lack of transparency, unresponsiveness, and apparent disregard for the additional evidence provided in my appeal. I urgently request that my case be re-examined by a different team or supervisor to ensure a fair and thorough assessment of the matter. Additionally, I would like to receive a clear explanation of the decision-making process and the factors considered in reaching the final determination.
Company Response:
State: WA
Zip: 98029
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: GOLDMAN SACHS AND CO Balance {$7200.00} Balance updated XXXX XXXX, 2023 I closed this account years ago and it was fraudulently changed to another person It was a GM card and I was never given any notice of the change.
Company Response:
State: FL
Zip: 33487
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A