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: I was a victim of identity theft and the credit card company keeps denying my dispute simply because the scammer was able to hack my email and obtain a fake ID with my name on it. The initial fraudulent charge occurred via online transaction ( for in-store pickup ) on XX/XX/XXXX in the amount of {$1500.00}. This was reported to my credit card company. A temporary refund was received on XX/XX/XXXX as an investigation was launched. However, we were notified that this was reversed via email on XX/XX/XXXX. The merchant 's invoice receipt indicates the online order was selected for in-store pickup at a store in a city 2 hours away from where I reside. The individual picking up the order had a fake ID that had my name on it. A police report was filed in city of residence, which was then forwarded to the police department that the crime occurred as it was in a different jurisdiction ( the report was provided to the credit card company ). Additionally, the pickup receipt indicates the order was picked up on Monday, XX/XX/XXXX at XXXXXXXX XXXX. At that time, I was at work and there is no possibility of this ( I provided the credit card company with a written statement from my supervisor to back this up also ). This is a clear indication of identity theft ( police report and statement from supervisor proving it could not have been me ). As an XXXX XXXX military service member, I would need prior written approval to be absent during work hours, which did not happen. I was contacted by the police department that the crime occurred in and notified that that they are unable to obtain surveillance footage from the merchant, as they do not keep footage more than 60 days old. By the time we received the dispute outcome on XX/XX/XXXX, it had already exceeded this time frame and the police department was not able to assist me. Fast forward six months later ( XX/XX/XXXX ), I have re-opened the dispute a total of 3 times now. They keep rejecting my evidence/dispute without providing an explanation. The supporting evidence clearly shows that I did not make or pickup up the purchase but they are not helping me resolve the matter.
Company Response:
State: CA
Zip: 92563
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: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I've had a Marcus Goldman Sachs online savings account since last year and have had no issues transferring funds to and from this account until about XXXX weeks ago when Marcus locked my account after I submitted a funds transfer from my Marcus account to an external account. Marcus has never called, emailed or snail-mailed me regarding the reason for the failed funds transfer issue nor why they locked my account. I've called and wasted hours of my time talking to the Marcus Customer Support and Identity Verification Teams over the past XXXX weeks trying to understand the issue and getting it resolved with no success. All they do is spend hours verifying my identity, unlock my account and tell me to resubmit the funds transfer again. When I resubmit the funds transfer, it fails and my account gets locked. This has been going on for XXXX weeks now. I'M XXXX YEARS OLD AND NEED MY MONEY TO SURVIVE- PLEASE HELP ME.
Company Response:
State: VA
Zip: 22182
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX was letting apple pay deduct money out of XXXX account without his authorization. They were little amounts so he didn't notice them. It did not explain on the withdraw what it pertained to. This has been going on since XXXX. Apple pay was notified and they are only willing to reimburse {$90.00} which was 60 days, I have calculated all of the charges up to when they were taken out and it reached over {$2000.00}. I contacted XXXX XXXX they let the fraud department look at it and says there is nothing they can do. I think apple should be responsible for these charges but they will not help with anything. I believe that apple should be responsible to XXXX XXXX and XXXX XXXX should have been wondering why apple did not state what those charges were for. I would like some compensation from apple pay but only XXXX XXXX can help me with that. This is fraudulant abuse and should be taken care of. I would like reimbursed my money from apple bay by XXXX XXXX.
Company Response:
State: NE
Zip: 68510
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY CREDIT REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Company Response:
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX GS BANK USA XXXX XXXX XXXX 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: PA
Zip: 19601
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2022 Goldman Sachs alerted me to unusual activity with my credit card. My apple iphone was hacked. My apple id was breached & my apple wallet & bank account app were compromised. I closed my apple credit account & applied for a new credit card. The initial card & account were closed on XX/XX/2022. There was a balance on that account & in XXXX of XXXX i paid the balance in full. That account no longer exists. I also lost XXXX that was on my applepay account. Goldman sachs continues to send me bills each month claiming that i owe them XXXX. Every month they are reporting me to the 3 credit bureaus as delinquent on an account that doesn't exist any longer. I want my XXXX back & want my name cleared on my credit reports. I have called goldman sachs at least 10 times to rectify this & nothing has been done. My credit score before my identity was stolen was XXXX & now it's XXXX because they continuously report me delinquent. I live in XXXX. Pa & all of the fraudulent activity was done in California.
Company Response:
State: PA
Zip: 19134
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: 2023-04-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XXXX I noticed a charge for {$1000.00} at XXXX XXXX XXXXXXXX. I disputed the charge with Apple Card by Goldman Sachs Bank. They asked me to provide some proof that I was not in Florida. I sent them credit card transactions of purchases that I made with others credit cards in the XXXX XXXX XXXX area at there request. The GS customer support said that should take care it. It did not, then I asked for the evidence that was used as proof that I stayed at that XXXX. I was provided with a false LA drivers license that does not match my DOB or drivers license number or photo. As a GS BANK customer they use my DOB to verify me over the phone and fake ID has a different DOB. To me that should have proved I did not make the transaction. I also sent them a copy of my drivers and US passport ID card with photo to show the photos do not remotely match the photos of the fraudsters at the XXXX. GS Bank has yet to credit my account or resolve this case when they are not even matching the DOB and Drivers numbers to there own know your customer policy and Patriot Act standards. I have Bank accounts with them as well and they have my drivers license number and DOB as requirement to open the account. I would appreciate any help with getting this issue resolved.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XX/XX/XXXX, I did a home equity loan through my bank and paid off multiple credit cards including my GM card ending in XXXX. The account was supposed to be closed at payoff. I cut up all my cards at that point, but I could not find my GM card. I was not concerned though because it was closed. In XXXX, I got a notification on my credit monitoring service of a delinquent account and saw that this GM account that was supposed to be closed with a XXXX balance was reporting past due. I have never received anything in the mail alerting me of this. I called GM and discovered there were several XXXX purchases that were made after it was paid off. So I logged into my XXXX account and compared my history to the charges. NONE of them were on my XXXX history. I rarely use XXXX and I did not at all in the timeframe of the charges. I called GM and reported 4 charges as fraudulent- {$72.00} and {$15.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX and {$20.00} on XX/XX/XXXX. GM approved and removed the {$15.00}, {$11.00} and {$20.00} but have done nothing with the {$72.00} charge ( which was on the same day as the {$15.00} charge that they removed ). I have called 4 times in the last 30 days and am continuously told it is still " pending review. '' Meanwhile, it continues to report as delinquent and incur late fees and interest charges! I called today and asked if it is still incurring late fees and interest and reporting late while under review and the rep said yes! The rep also said, even if the {$72.00} charges is removed, I may still be responsible for the fees. This is completely unfair and wrong.
Company Response:
State: SD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX XXXX SSN : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. Reason Late payments, Apple Card To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) XXXX demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these mentioned derogatory items be investigated and permanently removed from my report. XXXX I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
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 have tried several times to have Greensky correct my account as they listed XXXX, XXXX, and XXXX as each being 30 days late each. There could not be 3, 30 day late payments in a row. ( 3 inaccurate mark ) {$1000.00} fine each. Also, as per 15 us code 1681s-2 ( f ) in which is found on the CFPB website, If Greensky made an accommodation, in which they did, they waived fees on my account due to covid. Since my account was in good standing at the time of the accommodation my entire account was to be update to paid as agreed so there should be no late payments on this account and should show current anyway. I sent an email as per their supervisor XXXX on XX/XX/2023 advising to list my credit disputes. The email also had a letter outlining in more detail of the law and what I was disputing. The email was sent on XX/XX/2023 to XXXX. Greensky failed to add remarks to show " customer dispute '' ( 2nd inaccuracy ) {$1000.00} fine. Not only that, they failed to even respond to my dispute of the inaccuracies, and they failed to mark any of my credit reports as disputed as per 611 - 15 U.S.C. 1681i ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. this is another fine of {$1000.00} Lastly, Greesky willing allowed my account to stay inaccurate all this time and has failed to keep my credit accounts accurate as my score depends on this information being true. My score has gone down with all this inaccurate unverified info. They have continued to show an open account with a balance of over {$21000.00} which is ruining my debt to income ration even thought the account has been paid since XX/XX/2023. I can't apply for loans that I need because I this. This is a serious violation as my account is not accurate. This is another violation and {$1000.00} fine. total of {$6000.00} in remedy I am due.
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A