Date Received: 2023-04-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Company Response:
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act Apple Card/GS Bank USA Account XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Company Response:
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
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: NO RESPONSE TO 2 COMPLAINT LETTERS Dear Sirs : XX/XX/XXXX I HAVE HAD NO RESPONSE TO THIS COMPLAINT SENT TWO MONTHS AGO. I am formally disputing the billing error of {$85.00} charged on XX/XX/XXXX, and the disappearance of my daily cash credit.
Company Response:
State: CA
Zip: 92106
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is a notice and request as per the Fair Debt Collection Practices Act ( FDCPA ), [ 15 U.S. Code 1692 ( g ] for validation of debts made pursuant to the FDCPA laws. In order to validate this debt under the law that exists, please provide me with ALL of the below mentioned items : 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, ( the natural person ), and GOLDMAN SACHS BANK, that prove I agreed to pay the alleged amount. A XXXX 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 Code, title Title 15 1601 et. seq. and Regulation Z.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: In XX/XX/XXXX I opened an Apple Card credit account with Goldman Sachs ( GS ). Initially I was assigned a credit limit of {$500.00}, which was eventually increased to {$1500.00}. In the time since I opened this account, I have never had a single late payment. Almost every month, I have paid my balance in full, and throughout each month, I have made multiple payments because my spending well exceeds my limit. On average, I have spent anywhere between {$3000.00} and $ XXXX each month. During calendar year XXXX, my spending was {$23000.00} with no missed or late payments. Today, out of the blue, I received an email from GS indicating my credit limit was reduced from {$1500.00} to {$500.00}, thus essentially rendering the card useless. The explanation given was a charge of and delinquency with other creditors. Several weeks ago I discovered a handful of accounts on my credit report that do not belong to me ; they were fraudulently opened without my knowledge or consent using an old home address in Maryland. I have since disputed these accounts with the CRAs and completed an identity theft report. When I contacted GS to explain the situation, i was told there was nothing that could be done to reinstate my credit limit because these decisions are made by AI, and everything is automated. My account history with GS has been exemplary. The credit limit prior to being reduced was rather modest at {$1500.00}, and it represented a very minuscule risk to GS, especially given my proven payment history. There is very minimal risk of default. Moreover, it was implied that if the balance on my Apple Card was higher than it was at the time the limit was decreased, GS would likely not have decreased it or would have only decreased it by an amount just above the balance. Not only have I been penalized due to delinquent accounts appearing on my credit report that are not mine, but Im also being penalized for making consistent payments and keeping mt balance low.
Company Response:
State: CO
Zip: 80124
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquire n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX inqued on XXXX XXXX XXXX Inoured on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX, XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX CXXXX XXXX XXXX Inquired on XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XX/XX/XXXX ane XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquire on inqued on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX insured on XXXX XXXX Inquered on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Uued on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX IN XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA 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 XXXXXXXX UT XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( OD ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XX/XX/XXXX am XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Company Response:
State: TX
Zip: 76117
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received the Apple Titanium card some months ago. However, retailers would not take a metal card with no account information on it. I kept it in my wallet, I don't recall ever using the card. Approximately 5 weeks ago I was robbed at XXXX in XXXX XXXX XXXX The forced me to turn over XXXX, XXXX and wallet. They also forced me at XXXX to tell them the passwords for the electronics. They created XXXX, charging things on every credit card, using XXXX to pull over {$1000.00} from my checking account, ultimately even getting into my XXXX checking account and changing the logon and password. My other credit cards- 2 XXXX, XXXX debits ( XXXX and XXXX XXXX, XXXX XXXX XXXX credit card- all cancelled the cards and reissued new cards. Apple Card chose to cancel my card, negatively impacting my credit score. They claim that there are {$2500.00} charges on the card. Since they have closed the card it no longer appears on my phone and I can't see what the charges were, nor for what they purchased. I have called twice to ask for a copy of the statement on the account and to ask that the account be reopened and a new card be issued. At the end of each call I was assured that a manager would call me to discuss the situation. Still no call from anyone.
Company Response:
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Received a promotion for the Apple Card from Apple that if I signed up for a new card I would receive {$150.00} dollars if I spend {$1000.00} dollars in the first 90 days. If I clicked on the link provided. I applied and receive my credit line and bought a new Apple computer. I called about 20 days late and asked how the {$150.00} got applied and was told it should have all ready been applied but was not. The Goldman Sachs associate said she would open an investigation into it. It was the end of XXXX that I spoke with her. On XX/XX/XXXX I received a email stating that they need a copy on the email link to verify that I got that promotion. I called and talked to a Supervisor on the XXXX and stated that I did not keep the email. The promotion did not say or require you to save it. The supervisor said she did not know why they wanted it and would look in to it. On XX/XX/XXXX I received the same email again for verification that I signed up for the promotion. I called again and talked to a supervisor and she said I meet all the requirements and did not know why but she would have a manager call me. XX/XX/XXXX manager called and said unless I have the email link they would not help me. I deleted the email after I got approved for the card. It does not say anywhere in the promotion that I had to save the link. The manager said that the promotion is a good promotion but only with that link. Goldman Sachs refuses to help with any of this. Can you help or tell me what other course of action I have. Never have I ever had to save a link for a Promotion!!!!
Company Response:
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2022, I applied for the XXXX XXXX from XXXX XXXX. Through the application I applied for a balance transfer from XXXX XXXX to Apple Card ( Goldman & Sachs ). I was approved for {$2300.00} to be transfer to the Apple Card. On XX/XX/2022, the balance transfer appeared in my XXXX XXXX account but not on my Apple Card. I waited 7 days because I know a transaction like can take a few days. When nothing happened I reached out to Apple and they notified me that they do not accept balance transfers electronically and that the money would be returned when received but that at the moment nothing had been received. I reached out to XXXX XXXX and I was told to wait because sometimes transaction can take up to 30 days. I kept waiting and called back but this time I did a three way call with Apple and XXXX XXXX. Apple informed XXXX XXXX that funds were not received so a refund could not be made. After Apple left the call XXXX XXXX offered me to escalate the issue with an investigation that could take up to 90 days. This was in XX/XX/2022. I kept calling throughout the 90 days and was told to wait and I did. At the beginning of XXXX, I decided to go personally to a XXXX XXXX branch here in XXXX. I went with all my Apple Card statements since XX/XX/2022 to show them that nothing was received. The banker told me that she would do everything in her power to help and apologized in behalf of the bank. After she made calls I was told the same that the 90 day investigation was still under place and that I needed to wait XXXX more weeks so I waited. I then received an email saying that the balance transfer was successful so no refund was going to be provided. I went back to the bank and met with the banker again and she told me the same but that she would try and find out more. She sent me a document via email of the balance transfer information and when reviewing the document I noticed that the credit card number was incorrect and that the bank where the money went was to a XXXX and not a Goldman & Sachs. I decided to call Apple again and the representative told me that they could start a payment dispute but that the credit card number entered did not belong to a XXXXldman & Sachs account. I informed all of this to the banker from XXXX XXXX and I was told that because I entered the information wrong and that the money had already been paid by the bank they could not do anything else for me. Nonetheless this experience has been the most frustrating ever. My bank to which I have entrusted my money for the past 2 years has not had my back or not even the will to help me contact XXXX which I can not contact because I do not have an account with them and I have been left to do an investigation myself when I do not have the resources a bank like XXXX XXXX do. I contacted XXXX XXXX again today to give them XXXX last chance and I was pretty much told that once the funds has already left the bank it was not their responsibility to contact XXXX or any other bank. I submitted a complain to the Consumer Financial Protection Bureau on XX/XX/2022. I received an answer from XXXX XXXX acknowledging the complain once again saying they could not do anything and nothing was going to be refunded. I called Apple Card ( Goldman & Sachs ) and told them about the situation again in XX/XX/2022 regarding the issue. Goldman & Sachs told me they would called me back. I received a call back a few days later and they gave me instructions to find a routing number for the transaction so they could track it. I reached out to XXXX XXXX and they provided me the same document I was provided by the XXXX XXXX banker. I decided to call XXXX directly and enter the wrong credit card number ( where the money supposedly went ) and it transfer me directly to Goldman & Sachs for Apple Card. When all this time I have been told that the account does not belong to them. I have had multiple phone calls throughout the entire year, followed every direction and nothing has happened and not because I have not tried but doors kept being closed.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
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: On XX/XX/XXXX I received an email from Goldman Sachs saying my statement for XXXX was ready. I am unable to access my wallet because they have me blocked so I was unable to download my statement. I iMessages them and they told me it was sent to me on XX/XX/XXXX and I told them I had not received it. I asked them to send it again. I had to message them several times XXXX to be exact and they are unable to email me the statement and said they would mail it. I have yet to receive it. What are you trying to hide Goldman Sachs? They have blocked my email from receiving anything from them and after I messaged them they took away all my messages from me to them off my XXXX. That is so illegal. After I confronted them about this they put them back on. I have XXXX devices and they have no right to access my device. Thats pretty scary. I had an independent audit done on my account because they would not do it after I asked them too, why because they owe me and I have the proof. My lawyer needs the XXXX XXXXard Statement to finish his paper work. From the audit, on XX/XX/2022 XXXX XXXX credited my account for XXXX disputes totaling {$3000.00}, These were disputes of smaller amounts in the month of XXXX and XXXX. On XX/XX/XXXX XXXX disputes totally {$1100.00} was credited to may account from being resolved in my favor. On XX/XX/XXXX there was XXXX dispute resolved in my favor totaling {$530.00}. On XX/XX/XXXX there were XXXX disputes resolved in my favor, totaling {$8500.00} and these were not credited to my account. On XX/XX/2022 there were XXXX disputes resolved in my favor and those totaled XXXX. These were never credited to my account. On XX/XX/XXXX there were XXXX disputes resolved in my favor for a total of {$390000.00}. These were credited to my account. The disputes resolved on XX/XX/XXXX and XX/XX/XXXX you owe me for. They total {$17000.00}, that is what you really owe me. I have receipts for all of these so the merchant did not have any resolved in their favor. You are complete liars. I had a total of XXXX ruled in my favor and that includes the XXXX that XXXX XXXX covered before they really became disputes. There are still XXXX dispute that you are hoarding and I am not paying them because you can take it out of what you owe me. The total of fraud that was added to my charge card is {$25000.00} not counting the last XXXX. All the disputes were resolved in my favor and I have the proof. You are complete liars and are corrupt. You have 30 days to pay up or we will be going to court and my attorney says we will be suing for a lot more than {$10000.00}. More like millions!! It was fraud and you can not say that because you are in cahoots with Stripe. I also know XXXX XXXX has Strip because I have their evidence that you sent me and they will not go to Arbitration because Stripe will not back them up! So you lied on every dispute to save yourselves from having to pay. If you still think you are going to charge me for the last XXXX disputes I am requesting arbitration with XXXX. My attorney has viewed all my evidence and he also said it was fraud. I will send docs. But I am not sending all the disputes I won because you have them. You are such a disordered mess and you cant count so have fun searching for your copies!!
Company Response:
State: IN
Zip: 478XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A