Date Received: 2023-04-02
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I was with Goldman Sachs bank under the Apple Card agreement anyways I had a hard time paying the bill I struggle with communication with people and was trying to get my balanced waived Im just wanted to get some help from the company and I got no help my father passed away last year and was super mad I had a credit card account with Goldman Sachs this company wont work with u and makes it hard to work withi just didnt have a whole ton of money and was struggling tremendously and they are poorly ran company if they would have helped me waive the balance I would been so happy I just dont know how to manage credit cards very well Im XXXX and Im permanently XXXX and struggle a lot I shouldnt have opened an account bad judgement
Company Response:
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX I created a Marcus by Goldman Sachs. Over the years I have made dozens of deposits and withdrawals on the account. I have maintained the same email address since opening the account, and updated my phone number on the account on XX/XX/XXXX of XXXX, when my new cell provider could not carry over my new number. I updated my home address when I moved to my new home in XXXX of last year, however I also still own the prior address. But none of these changes caused an issue. This year on XX/XX/XXXX I made two deposits of {$5000.00} from my XXXX XXXX, and XXXX accounts to Marcus by Goldman Sachs. On XX/XX/XXXX I again made two {$5000.00} deposits from XXXX XXXX and XXXX. On XX/XX/XXXX I also made a withdrawal of {$1000.00} to my XXXX XXXX by XXXX XXXX account that was cleared. All of these accounts are in my name, and my name alone, and I was the one who linked them as external transfers. On XX/XX/XXXX, I attempted to make another withdrawal to XXXX XXXX, but then without warning on XX/XX/XXXX when I tried to log in to my account I was informed my account was locked, and that withdrawal never made it to XXXX XXXX. I have recordings of every phone call I made totaling over 3 hours of time. The first phone call lasted 18 minutes and 25 seconds, and I was told by " XXXX '' that I would get a call back in 2 minutes to sort the account. But that was a lie because that call never came, so I called back again, and the customer service hung up on me saying they couldn't hear. Then the next one lasted 1 hour, 5 minutes and 15 seconds. One of the representatives on this call kept telling me that he could only send me a pin to my old phone number that was removed from the account on XX/XX/XXXX of XXXX or 2 year prior. All of the calls have gone in circles like this over the last week. I have spent hours trying to regain access to my account and I am still locked out from over {$19000.00} of my money and nobody will provide me with any answers of why or what happened to cause this. I've offered every possible means of verifying my identity through video call, email, phone, home address... I offered to upload my IDs, drivers license, DoD ID, passport, DD214... but they said the only way is to mail a notarized affidavit of identity, so I immediately printed it out on the XXXX, filled it out, and paid for a notary and mailed it from XXXX, Georgia to their po box they gave me in XXXX on the same day. This should take maybe 2 to 3 days to get to the destination. That was 7 days ago, and I called again today and they still have not received it and will not answer my questions. Now a letter with my most sensitive information is out there, and I can only hope that it does not end up in the wrong hands or I will truly have a identity crisis. And over {$19000.00} of my money is stuck in this account, and nobody will tell me why. I reached out to the only email I could find and was told they could not help and to call the same number that is not providing any information. I have dozens of different bank accounts, and have been banking for over 2 decades. I have even served in the military and obtained a security clearance handling classified documents ... and never once in my life have I been told to mail in a notarized affidavit of identity or ever heard of one. This is the year XXXX, and this multi billion dollar bank relies on physical mail to a po box as their only way of identifying a 5 year customer. Then there is the fact that there was no reason warranted for locking my account in the first place. This is the worst experience I have ever had with a company in my life.
Company Response:
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ). Despite my request to close my credit card account, it appears that the account has not been closed and is still active. This is a serious violation of my rights under the FCRA and I expect immediate action to be taken to rectify this situation. This account has been closed since XXXX, I have prof of closing my account via text message through Goldman Sachs VIA APPLE. Not only have they violated a law but they have been illegal effecting my credit report and causing major damages to impact my score by causing this huge mistake! This should not have happened and is completely unacceptable. I know my rights as a consumer and this is just unjust.
Company Response:
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, This is the second complaint I have opened. Shortly after my first complaint was closed, with an unsatisfactory resolution ( XXXX ) Goldman Sachs reopened a credit line without my permission. The account was closed in XXXX of last year and the company is now incorrectly reporting the account as open. Goldman Sachs is now engaging in malicious, and predatory practices against me in its servicing of debt that it previously stated, *on a recorded line* was resolved and that the account was closed Im asking for help from the CFPB to investigate this matter and bring a resolution. Goldman Sachs is currently under investigation for it practices in its credit card business, beginning in mid XXXX and that investigation has now expanded in XXXX. I believe my case to be solid proof of the mishandling of a credit card account and
Company Response:
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter in the mail at my old address that stated that someone without my permission or authority applied for a Goldman Sachs Apple bank card. The letter stated that the application was reviewed and was denied because " there is an alert or freeze on your credit file ''. I had no knowledge of this application and did not authorize anyone to apply. I am a victim of identify theft and have had numerous attempts made to open accounts in my name.
Company Response:
State: FL
Zip: 34109
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Last year in XXXX I found a fraudulent account opened with my social security number at Apple Card/GS Bank XXXX I filled an identitytheft.gov report, ref # XXXX. I notified XXXX about the fraud. The account was removed and I thought everything was taken care of. Then a couple months ago I checked the other credit bureaus and the fraudulent account is still there. Since then I have been in contact with the other credit bureaus and with Apple Card/GS Bank XXXX I have made many calls and filled disputes, but they will not remove it from my credit report and keep verifying it as correct.
Company Response:
State: MI
Zip: 48067
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: My name is XXXX XXXX I am an XXXX XXXX XXXX XXXX veteran.I was racially profiled by apple at Goldman each.I had a my Apple Cash locked without being given any reason after it being compromised by fraudulent transactions and apple decided to discriminate me instead of helping and giving a reason then they permanently locked my Apple Cash and restricted my Apple Card permanently. I demand retribution in court or a valid reason for this inexplicable discrimination.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: 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 purpose
Company Response:
State: VA
Zip: 24501
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Goldman Sachs Apple Card people are accepting charges from a cancelled and replaced card number. I was led to believe my new digital credit card number would replace the cancelled one. Instead, Goldman Sachs lied about replacing it and kept it open, costing me unauthorized charges. When I called to complain, Goldman Sachs Apple reps were offensive, obnoxiously argumentative and obscene, saying things like " I need to educate you. '' Regardless, my credit card should have one and only one electronic account number for consumer use ( my use ), like all other normal cards. NO CANCELLED CREDIT CARD NUMBER SHOULD EVER REMAIN ACTIVE.
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX on XX/XX/26 through an email telling me of a credit score drop, that, on XXXX XXXX, a credit card was taken out in my name through Goldman Sachs Bank-USAXXXX XXXX XXXX My identity was stolen and a XXXX dollar credit card was taken out through GSXXXX XXXX XXXX I have contacted this bank and have discussed with their fraud department. They are taking steps to fix the issue. They told me to file a report with the FTC.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A