Date Received: 2023-03-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Marcus bank is holding XXXX XXXX dollars from a real estate transaction wire fund. The wire fund was supposed to have been rejected 2 business days ago and after multiple phone calls with supervisors. First they would not accept a transaction over XXXX. I was not aware of that. However, the same days I then just requested for them to reject the wire. They did not do it. I am now being told there was an error on their part but it will still take another 1-3 business days for the funds that were never accepted by them to be returned to the escrow bank that sent them. This is deceptive practice & should be illegal for a bank to hold funds. Its very scary as a consumer to not know where my money is to be told basically that its floating somewhere in space! TERRIBLE. I will be closing my account the them as soon as this mess is resolved but feel others should know about this. Also, their customer service people have no business working in banking. I understand working for home but these people have no idea what they are doing & I could hear a womans baby screaming on one of my calls!
Company Response:
State: CA
Zip: 922XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: It's being more than 30 days and the creditor has not updated the information nor has provided proof or documentation regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation by failing to do so the item must be deleted from the report as soon as possible.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The Apple Card managed by Goldman Sachs continues to have issues with the payments process. They charged my account twice without my permission and drafted my checking account for two payments in one day. They refused to reverse the payment after escalating to a manager. They said that sometimes it double charges and it is not their fault. This is after they did not keep their commitments of zero interest on the headphones I bought. After hours on the phone, no luck. I finally gave up and just paid for it.
Company Response:
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Goldman sach 's bank usa closed my account ending in XXXX and ending in XXXX on XX/XX/2023 20 minutes after been full identity identicated verified with fraud department who XXXX XXXX a supervisor in fraud dept removed all blocks on account. And said it was okay to used both accounts. Also she confirmed there were no account reviews which is stranged from past agents who said only account ending in XXXX was in review. 20 minutes later same day i recieved notices that both accounts were closed. I contacted customer services and transfered me back to fraud department a different supervisor told me account was closed from back office team after retriction was lifted from XXXX XXXX. I believe goldman sach 's bank usa discriminated me and also closed my accounts due to previous cfpb complaints filed against the company. i am waiting on a good reason why my account was closed when i was verified threw fraud dept. its always back in fourth errors with their agents and put unnessary account reviews when issue was resolved numerious times. as a punishment they come up with some excuse to close my accounts as punishment retailation. i will seek attorney to sue this company for discrimination. now i have unwanted closed accounts that will damage my credit because of agent errors.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
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/2022 I cancelled my " 7 day '' free trial with XXXX. I did so by calling their customer service line, and all was good in the world. A few days later, I see a {$100.00} charge from XXXX XXXX XX/XX/2022 charge ) on my Goldman Sachs " Apple Card '. No worries, I am protected here as a consumer. I file a dispute, and soon after, the findings rule I was in the wrong, per Goldman Sachs. Their backup is frivolous. It shows a trial period ending in XX/XX/2022! My seven day trial was not back in XXXX, they also failed to show me my signed contract with them ( does not exist ), heard they said there was one, which is a lie. Also, their back-up proves my story, that I used their service just once, and right when I said I cancelled you see my data usage drop off. XXXX 's backup proved it. Yet Goldman Sachs ruled against me. I told all of this to Goldman Sachs, and each time, same song and dance, I dispute the charge, and XXXX gives the EXACT same backup, and I expand and expand.. providing more backup as to why this charge is frivolous and baseless, and requesting documents from XXXX ( through Goldman Sachs ) and nothing ever comes of it, and I keep getting my dispute denied for the same reasons. " Justified charge '' ... without an explanation, which is wrong. My rights as a consumer for fair charges has been broken, and for proper justice & detailed explanation as to why my dispute is denied, also is not occurring.
Company Response:
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Have reached out to bank regarding access to account via mobile app and sending transfers to external accounts in my name. They've continually restricted my access until I call them and stay on the phone while they call my external bank to verify the account. This has been completed twice, and they've again denied me access to view my account until their employee calls my bank for a 3rd time to verbally verify the account I want to transfer to. I was told after verbally verifying twice already now and by verifying trial deposits, this would not happen again but it has.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Marcus savings at Goldman Sachs will not allow for withdrawals. I can not access my money because now they are claiming their website is down.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Goldman Sachs, or Apple Card have been harassing me for the past few weeks with calls after calls after calls. Violating 15 U.S. Code 1692d ( 5 ) - Harassment or abuse and 15 U.S. Code 1692d ( 6 ) - Harassment or abuse These violations call for monetary relief as I have provided proof of harassment.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I did not open this credit card account with apple. The phone number, address, and email they have on file is not mine and the first specialist I spoke to over the phone clarified this. I was told to dispute this with the bureaus, so why did Goldman Sachs close my last complaint without resolution?! I feel extremely violated, and will not be responsible for an account that is not mine. That is against federal law. I am extremely upset and stressed that my information has been tampered with. After I disputed the account an unknown address appeared on my credit report-XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX I have never lived there or know who lives there. I submitted my FTC report and identification to Goldman Sachs and the credit bureaus. This account is a result from identity theft, again, I am not responsible for this account. Please refer to 15 USC 1681C-2 ( A ) " If someone steals your identity, you have the right to remove fraudulent information from your credit report. This is called blocking. Once the information is blocked, it won't show up on your credit report, and companies can't try to collect the debt from you. If you have an FTC Identity Theft Report, credit bureaus must honor your request to block this information ''. This is straight from the government website bonded by the United States Government. Thank you.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Ive had an Apple credit card which is connected with Goldman-Sachs for 3 years now, and every time that Ive made a payment its been processed within 24 hours. For over the past month now it has taken weeks to process a payment. Currently I have 3 payments that were made to them between XX/XX/XXXX - XXXX and will not be processed until the middle of XXXX! The amount of my money that they currently have on hold is over {$2300.00}. I have contacted the company several times via text as they will not give me a phone number, and in every text conversation I am told one silly excuse after another for the reason for the holds. I have heard everything from I made the payment on a weekend to the payment was too large ( {$1000.00} and under ). These seem like ridiculous excuses, and it bothers me when I ask to speak to someone that they say someone will contact me in 10 - 14 days. It is incredibly troubling that I have to wait for a large company like Apple and Goldman-sachs to contact me in 10 -14 days. Also, without knowing when or who is calling me I may not even answer 10 days from now? Then what do I do? It all just seems very silly to me. Something is not right here. I also dont understand how I'm expected to pay off a credit card each month when it takes more than two weeks to process a single payment. I would like an answer as to what is going on? Why is this happening all of a sudden? I'm very worried that there is more going on in the background, then what they are telling me, which is little to nothing. Thanks for your help! XXXX XXXX
Company Response:
State: CA
Zip: 91104
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A