Date Received: 2023-12-29
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 have been disputing a charge since XX/XX/2023 thru Golden Sachs as my rental car service cancelled. XXXX XXXX XXXX charged me for 1 day for including fees and taxes {$85.00} whereas Golden Sachs which is Apple XXXXCard is keep on charging me back for 3 days for {$230.00} even though i am providing them with a receipt from XXXX XXXX XXXXXXXX that stats they only charged me {$85.00}. Its my 6th time with them since XXXX.
Company Response:
State: KS
Zip: 66209
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: On XX/XX/XXXX, two equal payments of {$260.00} were sent by ACH by my bank to GreenSky, a Goldman Sachs Company ( see receipts from XXXX XXXX XXXX XXXX indicating that two payments were electronically made to GrenSky, with two different ACH trace numbers-Exhibits XXXX and XXXX respectively ). Due to concerns about the payments being applied as intended, I phoned GreenSky on at least two occasions to be sure that one payment was applied to the XXXX payment for the account and the other payment was applied to principle only, without interest being deducted from that payment, and was told on all occasions that the payments were applied correctly. I did not record the representatives names because I did not think it would come down to me having to file a formal complaint with the CFPB just to get the payments applied correctly and obtain proof positive that the payments had been applied correctly. Based on the assurance by GreenSky personnel, I did not think much more about it until, on or about XX/XX/XXXX, I received notification that my electronic statement was ready for download. I downloaded my XXXX statement which is payable XX/XX/XXXX. ( See Exhibit XXXX ). That statement alerted me that GreenSky had, in fact, received the double payment, totaling {$530.00} ( XXXX ) but did not give me a clear, concise indication as to how those payments were applied. I have had other telephone conversations about how the payments were applied and got the same answer as I received during my first conversations with GreenSky personnel-that the payments had been applied correctly. Again, on at least one occasion, I was told that the payments were applied correctly and again I did not record the representatives names because, giving GreenSky the benefit of the doubt, I assumed that GreenSky would be professional and apply the payments as I indicated they should be applied during our multiple telephone conversations, and did not think it would have to come down to me having to file a formal complaint with the CFPB just to get the payments applied correctly and obtain proof positive that the payments had been applied correctly. I began checking GreenSkys website regularly to be assured that the payments were applied as intended, although I did not download or take screen shots of what I was seeing online at the onset. I began communicating with GreenSky about the payments via secure messaging via their online portal ( See XXXX email chain regarding my communications with GreenSky, Exhibit XXXX. ) Finally, because I was not getting satisfaction and was not receiving the positive proof of how the payments were applied, I began downloading and taking screenshots of what I was seeing on the GreenSky website and even that was not a simple task inasmuch as the information was not readable/understandable because it had been scrambled despite me having logged in using my credentials. I lieu of printing out what I was seeing online due to printing issues, I took screen shots ( see Exhibits XXXX ). I have given GreenSky every opportunity to resolve the issue regarding the double payments and provide positive proof that the payments were applied as they should have been. Absolutely nothing lets me know how the payments were applied or that they were applied correctly and as of this writing, I still have not received the written proof that the payments were applied as they should have been. I regret that I have been pushed into filing a formal complaint, but it seems as though this is the only way to resolve the issue with XXXX. There are no clear, viable reasons not to be able to obtain a complete accounting of my account, letting me know exactly what they do with my money. Simply stating " applied '' is not sufficient proof of exactly how the money is applied to the account and is not acceptable. It was/is my intent to begin paying down the principle and paying the loan off early and that has not and will not change. I'm either going to do it monthly by sending double payments to GreenSky and if they can not /will not provide me with an full accounting of how the money I send them is allocated, that is acceptable to me, then I will put the money aside to pay the loan off early and will collect the interest from that money until I do make a final payment, paying off the account. Either way, the loan is going to be paid off early. I have a double payment set up for XXXX but if I do not get the proof as to how the money I sent them in XXXX was allocated, that is acceptable to me, I will cancel the second payment intended for principle only, and send only the monthly payment and begin putting the money aside and collecting the interest until I make a lump sum payment to pay the loan off in its entirety, which will be before the loan 's maturity date. Until now, GreenSky and I have had a good relationship and it saddens me that something so simple, that they should be doing anyway, has tarnished that relationship.
Company Response:
State: MS
Zip: 396XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
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 bought tickets to a XXXX XXXX event in 2022 at XXXX XXXX which was all paid ticket and we were not suppose to be charged anything new on top we went in and made a purchase for a certain amount which we paid then and there and when I came back home I was surprised to see I was over charged for a very huge amount I did not even sign to purchase for. I have tried to work with Apple so many times but they have always sided with Merchant without any proof of purchase and never shared any evidence on why they sided with Merchant
Company Response:
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: UT
Zip: 84119
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Every dispute since XXXX XX/XX/XXXX that was won and closed in my favor never added a XXXX dollar to my available spending credit. They say that it temporarily adds it once a dispute is made, which is incorrect Ive never received a temporary adjusted available credit amount, then they say the money is added to the available credit once the case is decided. Not once has my available credit changed once a case has been won in my favor. You can literally see Apple taking back their cash back amount of XXXX % of the transaction amount disputed but never add the actually won dispute money to my account : there is also instances where a dispute credit has been added and then it will say in my app/ live statement temporary dispute credit adjustment and take the temporary credit away from the balance and available spending. in addition I have been blatantly lied lto regarding the status of my account and what it being noted based on the next rep repeating what the prior supervisior did. I was told they are submitting tickets and complaints to call back the next week and there never having been a ticket or complaint filed. The exec office has been asked to look at why my account is doing this and they closed the investigation with XXXX reasoning given. Literally blank even to the internal people and Im supposed to be notified of the outcome of the investigation and never was in any mode of communication. They also dont randomly select which representative you are transferred to when they want you to give you they send you to a completely different set of supervisors. Your going to say Im crazy but this was told to me by two of their own associates. They have not refunded over XXXX dollars and going line be line its more like over XXXX dollars they have withheld from me
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I opened an XXXX savings account with Marcus by Goldman by transferring {$220000.00} into the new account. This is all of my savings other than $ XXXX for emergency. The account states that once opened, it has no limit on how much and how often I can withdraw funds from this account. On XXXX I withdrew {$1200.00} back into my XXXX XXXX account. No problem. On XXXX I withdrew {$6200.00} back into my XXXX XXXX account. They said there would be a 3 day delay which I thought was strange, but was eventually transferred. On XX/XX/XXXX I received an email from Marcus by Goldman that my account was now frozen for fraud. I immediately called them and they said it was frozen for fraud and they couldnt tell me why. I then requested them to close my account and to have the remaining funds transferred back into my XXXX XXXX account. They approved and said it would take 7-10 business days. On XX/XX/XXXX I had not received the transfer so I called them to request a status update. After speaking with a few agents they confirmed my savings account number and amount and that it would be transferred in 1-3 business days. On XX/XX/XXXX I still had not received the transfer, so I called back. This is now the 13th business day from the original request. They said my account is still under review and they are not sure when it will be approved to be transferred. They gave me generic answers about processes and what not. I expressed all my money is in this account and I need it to pay my bills. Each time I call it takes about an hour and I get nowhere. Im not confident that I will ever receive my money back. I was then transferred to someone else who again confirmed my XXXX XXXX savings account number and dollar amount and said this would take 1-3 business days. They gave me a money transfer case number of XXXX. Each time I talk to someone they act like this is a brand new request from me. I now have credit card bills I need to pay and they are holding my money hostage with no confident answer as to when they will transfer it back. All I want to do is close my account and have my money transferred back to my XXXX XXXX account and they are refusing to do so.
Company Response:
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am writing for the third time now to make the cfpb and Apple Card aware that applecard is violating my consumer privacy rights by willfully not complying with my written notices and demands. the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' apple card and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information, as I have already revoked all whether it be verbal, non-verbal, written, implied or otherwise in my notice dated XX/XX/23 which all companies have received and it is also evidenced by my first complaint filled on XX/XX/23 id XXXX and XXXX. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' APPLECARD never informed me of my right to exercise my nondisclosure option. in addition to this, I have written several complaints against Apple for their willful noncompliance in honoring my opt-out request. apple card stated that they received my notice to opt out and continued to dishonor it because " Customers are unable to opt out of credit reporting ''. I asked Applecard for the law that states I was unable to opt out of reporting since I contended that 12 CFR 1016.10 ( a ) ( 1 ) EXPLICITLY STATES " ( 1 ) Conditions for disclosure. " you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( ii ) " You have provided to the consumer an opt-out notice as required in 1016.7 " ( iii ) " You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( iv ) The consumer does not opt-out. '' under section 2 12 CFR 1016.10 ( 2 ) " Opt out means a direction by the consumer that you not disclose nonpublic personal information about that consumer to a nonaffiliated third party, '' apple card failed to meet the conditions of disclosure as they 1 never provided me the consumer an opt-out notice.2 they never gave me a reasonable opportunity to opt out of the disclosure. and XXXX I have sent two formal notices to opt out that date back to XX/XX/23. Apple Card stated in their response that I consented to their terms and agreements that permitted them to furnish my data. in their card member agreement, does not state at all the option to opt out or how to exercise my nondisclosure agreement. you can find their agreement online at XXXX XXXX XXXXwww.goldmansachs.comXXXX on page 14 is their " Credit Information & Credit Reporting '' which states " This section describes how we use information about you that we obtain from credit bureaus, what information we may provide about you to credit bureaus, and how to dispute items on your credit bureau report. '' it continues to page 15 but nowhere in this agreement was I given notice of my right to opt-out or exercise a nondisclosure agreement. 12 CFR 1016.10 ( b ) clearly states that ( 1 ) You must comply with this section, regardless of whether you and the consumer have established a customer relationship. ( 2 ) Unless you comply with this section, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer that you have collected, regardless of whether you collected it before or after receiving the direction to opt-out from the consumer. since APPLECARD failed to comply with the federal code they are not permitted to furnish my data yet they still are reporting adverse claims to my report unlawfully. in addition to this APPLECARD stated The privacy policy was provided to the Customer at the time of account opening ( https : //www.goldmansachs.com/XXXX XXXX at any time. again this policy does not mention my ability to exercise my right to opt-out. I made Apple Card aware that per 12 CFR 1016.7 APPLE CARD must provide a clear and conspicuous notice to each of its consumers that accurately explains the right to opt-out under that section. The notice must state : ( i ) That you ( applecard ) disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt-out right. again applecard failed to provide this critical information to me during the time I had an account with applecard. also as stated in section ( ii ) clearly states that I the consumer have the right to opt out of the disclosure between Applecard and I. Among the violations applecard also had unreasonable opt-out means as the only way I can opt out is to write a letter which violates 12 CFR 1016.7 ( 2 ) ( iii ) that states You ( applecard ) do not provide a reasonable means of opting out if : " ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; ''. I again ask the cfpb to help me enforce my consumer privacy rights and demand applecard to provide the law that states I can not opt out since APPLECARD has made baseless claims that " customers can not opt-out '' and have failed to provide any proof of this claim even after I specifically asked them for clarity on this matter. as I have made my rights to opt-out, and expressed APPLECARD violations of federal law under 15 USC 1681 section 604, and15 USC 6802 ( b ) ( c ) clear backed by my consumer privacy rights codified in the cfr 12 CFR 1016.4, 12 CFR 1016.10, and 12 CFR 1016.7, I ask that applecard provide proof of claim that, they tried to contact me on the said dates they stated, law or any other federal code that disputes my rights to opt-out. in both complaints that were filed, they failed to furnish the proofs I have asked for. apple card has provided false claims against my consumer rights. Apple Card has also used deceptive trade practices that have negatively impacted my financial capabilities. because APPLECARD 's actions have caused me significant emotional and financial distress as a result of the unlawful invasion of my consumer privacy. I am asking for the immediate removal of all reporting and to be opted out upon receiving this notice. I ask that CFPB protect my consumer rights as I continue to be negatively impacted by applecard will noncompliance and neglect.
Company Response:
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Was told account was closed but still getting statements. Attempts to close through phone support send me into hold.
Company Response:
State: CA
Zip: 90302
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
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: Starting from XXXX this year, I found that my Apple card was frequently swiped. At that time, I had moved to XXXX, and I lived in XXXX XXXX before. And when I went back to XXXX XXXX to watch XXXX XXXX XXXX concert in XXXX, my phone was stolen. After that, my Apple Pay was also frequently stolen, almost all of them are fraud from the same store.but I changed my password and never gave anyone the card number I told anyone. I reported the fraud and disputed quickly. I asked for my credit to be repaid and no longer needed let me pay.
Company Response:
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Said furnishers never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: MO
Zip: 64118
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A