Date Received: 2023-04-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The Goldman Sachs Marcus card offered a {$150.00} statement credit upon reaching a certain spend limit within the first 90 days of opening which they failed to honor. After several letters to the office of the CEO, XXXX XXXX with no favorable result I cancelled the card. However, they continue to willingly and knowingly report false information to the credit bureaus by way of being listed as an open trade line on my credit profile. I consider this to be fraudulent in nature and may even have a negative effect upon my borrowing power since they continue to report the account as a potential liability. Caveat Emptor!!
Company Response:
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: APPLE CARD/GS BANK USA has reported my account as " late payment '' several times, one in XX/XX/XXXX, one in XX/XX/XXXX and one in XX/XX/XXXX. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 that states that I have the right to privacy. In 15 U.S.C. 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. S1666b 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: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair Credit Reporting Act XXXX account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Fraudulent card account has not been cancelled despite notifying the issuer Goldman Sachs, or removed from my credit reports.
Company Response:
State: NC
Zip: 27516
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: 1.I have never had an account with this company GS BANK USA , REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are GS BANK USA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 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 : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a Master Card with Apple but the credit card is issued by Goldman Sachs Bank, the bank have been charging me excessive interest charges ; example, I received in my XXXXe a notification to make a payment to avoid extra charges for XXXX so I made an initial payment of {$500.00} in XX/XX/XXXX and so I kept getting messages of the same thing so I made another payment of {$200.00} on the XXXX of XXXX and the bank still charged me {$120.00} in interest charges and this is not the first time, this is been going on since I got the credit card. No matter how much I pay to avoid interest charges, the bank still charges me with more interest charges and it is ridiculous.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
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: XX/XX/ two cards {$16000.00} {$430.00} and {$5000.00} Next morning tried to return items from previous evening after checking on company was a scam Merchant would not accept them claimed no refunds Merchant sent more items to my home across the country Disputed transaction with company then credit card company Now I pay my charges but not scam charges. Interest mounting.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am writing this letter in response to a dispute raised by me for a fraud transaction with issue control number # XXXX with the amount of {$920.00}. This transaction occurred on XX/XX/XXXX. I realized that this transaction was fraud as soon as I got a notification on my iOS device about the amount charged from the wallet app. I quickly reported this issue to XXXX XXXX who is the merchant for this transaction. As a result, they created a case ID ( XXXXX ) for this dispute. I immediately made sure to change my account password so the fraudster would not be able to perform more transactions. I also raised this dispute with Apple Card ( Goldman Sachs ) so that I will not be liable for the amount that I did not authorize. Unfortunately, the dispute was not resolved in my favor most likely because of lack of sufficient evidence. During the last dispute which was resolved against my favor, I received the chargeback dispute letter by the merchant incorrectly showing that I authorized this transaction. On the same letter, under complementary transaction information section, it is listed that I used an Android device with a device number XXXX for this transaction. Please take note of the fact that, this dispute was raised on an Apple Credit Card for which requires an iOS device. I do not own or operate any Android device since the year XXXX and the fact that I use an iOS device can be confirmed through Apple. I believe the fraudster used an Android device to gain access to my XXXX XXXX account through the password which was compromised through other data breaches. Since XXXX XXXX does not require a two-factor authentication and my credit card details were saved and store on my account by XXXX XXXX , the fraudster was able to successfully process the transaction without my authorization. The fraudster made multiple attempts to use my saved card details but the transaction was rejected every time except this one. XXXX XXXX as a money exchange service failed to notify me about the suspicious transactions.hese transfer details documents, please focus your attention on the delivery method section ; even though my name appears under receivers, the account listed under delivery method varies on each attempted transactions and does not belong to me. Also, I am attaching another transfer details which I have authorized in the past with MTCN tracking number - XXXX XXXX XXXX, please refer to the delivery method section which mentions the bank and account details which really belong to me. Since XXXX XXXX is a currency transfer/exchange agency and I have been in the business with them since a few years, I request that the merchant provides the bank account details of the receiving account and see if the details match with my name and identity. I kindly request you to look into this issue and my supporting documents since I am firm that this transaction was not authorized by me which may potentially affect my credit score for none of my fault.
Company Response:
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received a promotion to add a co owner to my Apple Card thru my app if you add a co owner & they spend {$100.00} in the 1st month they receive {$100.00} in XXXX XXXX. Well my husband did not get his money & I have called 7 times all they do is tell me they understand apologize then 2 days later I get an email stating they did not make an error.. But every single time I call they just tell me more & more things that was supposed to be. I was supposed to do this or that, now I am starting to think they are not wanting to honor the promotion that they just had some credit card quota to meet. They told me once he was supposed to spend the {$100.00} get the XXXX XXXX then spend more. I told them no. Then they said it had to come thru a targeted e-mail & when I told them it came thru my app then they said I needed to go thru a link. I am like OMG!!!! I am so frustrated because my husband bought a almost {$400.00} item cause he thought he was getting that {$100.00}. I feel like this was a scam or something can someone please investigate this because I am sure I am not the only one.
Company Response:
State: KS
Zip: 675XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
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 disputed a charge incurred last XXXX when I attempted to purchase some sneakers from what turned out to be a fraudulent vendor. The {$130.00} purchase was made on my Apple Card through XXXX and the bank is Goldman Sachs. I have tried several times to resolve this dispute by presenting relevant documents, and by numerous phone calls. The vendor eventually supplied their own damning evidence by providing a delivery notice. The notice was attached to a '' proof of delivery '' which clearly demonstrated that there was no delivery -- no address and a phony name was inserted where my name should have been. Despite this Goldman Sachs can not resolve this matter. I have lost faith in their investigators. They continue to harass me and ask for more documents. I've told them to resolve this in my favor or I will cancel my account. You'd think they would realize that I would hardly go to this trouble if I was guilty of receiving the goods and lying about it. I ask that you tell them to read the docs and get their heads out of their rears! Thank you
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A