Date Received: 2023-03-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was rated an XXXX credit score before buying home improvement supplies at the XXXX XXXX. Was approached by an associate to buy items on credit, and the wall said 84 months no payments. Applied for a Home Depot Credit Card and the cashier spoke XXXX, contract was written in XXXX. Waited for term and statements in English. Told me it was no payments for 84 months. Called, emailed messaged and pushed hard. At no time did anyone tell me I was late on a payment for the first two years. When buying a car in XXXX, there were four negative notices for no payment. I was able to remove the first two 90 days late but not the remaining two 30 days late. Bank card company will not remove late payments from credit report. They keep telling XXXX its correct when I dispute the reporting. Clearly the terms say 84 months no payments. They took two years to change my statements to English.
Company Response:
State: MN
Zip: 55369
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This is the XXXX time I have submitted a complaint about applying for the Apple Credit Card, GM Rewards, and GM Business Rewards. Every time I apply I get a message to upload my driver 's license, I have been doing it. After several days I got the same message : Unable to verify identification information. I have been calling and calling and they don't tell me what this message is about. As I understand is that they can't verify my driver 's license. I keep uploading the same picture because is my driver 's license. I don't know what else to do and they are not giving me any more information. In the last XXXX complaints, they have responded the same, that they found some red flags but they don't tell me what, they haven't called me or anything. I need an explanation as to why this is happening, I will also upload a picture of my driver 's license. I will also include a picture that they are approving me.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Ordered a wire transfer via phone call at XXXX on XX/XX/21. Was told that I can not wire to an external account that I am not the owner of. This completely eliminates the ability to use money as money. I needed the funds to close on the purchase of a house. Disclosures and restrictions in regards to withdrawals are nowhere to be seen on the website. The website describes the account, Online Savings Account, as having unlimited withdrawals. Despite my issue with wanting to wire to an external account, I chose to wire these funds to a credit union account that I am an owner of so that I could then wire from that financial institution. The wire was requested in the same XXXX phone call yet the wire still was not sent by XXXX on XX/XX/21. I contacted the bank through chat and explained the importance in getting these funds in order to close on a house. Was called at XXXX on XX/XX/21 and was asked to verify that I am the accountholder with the institution the funds are being transferred to. This was done successfully. As of XXXX on XX/XX/21, the wire still had not been completed.
Company Response:
State: IN
Zip: 46530
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: The following complaint is regarding an error made by Marcus by Goldman Sachs when I initiated an ACH transfer of funds from my Marcus savings account to an external bank. As a result of Marcus ' error, disorganized customer service, and lack of response, I have incurred monetary losses. I initiated a transfer of funds in the amount of {$1000.00} from my Marcus savings account to an external bank linked to my online account with Marcus. The transaction posted on XX/XX/2023. Over the next couple of days each time I logged into my Marcus account, the information provided showed the transfer had been initiated and the funds had been withdrawn from my Marcus account On the third day, I checked both accounts and saw the funds had not been deposited into my external bank account as promised by Marcus. I called the customer service team and spoke with an agent who told me the transfer had been canceled. I requested an explanation and told him that the online information on my account verified the transfer was in progress. He became nervous and hung up. I called back and repeated my story to another agent who provided conflicting and false information. She said the transfer was not canceled and the funds were withdrawn from my Marcus account and shoiuld have been received I called the other bank and repeated the story to the agent who transferred my call to her manager for help. I repeated the story to the manager and she said there was no record of a recent transfer from Marcus. I called Marcus again and spoke with a manager. I repeated the story and when the manager viewed the notes related to the transfer, he said the notes were confusing. He said he had never seen this type of error before. He said the transfer had been canceled by Marcus but he didn't know why it was canceled. He admitted it was Marcus '' error and offered to have the funds wired into my external bank account. However, by this time five hours had elapsed from my first call to Marcus and the funds could not be wired the same day. The manager said he would have the customer care team research this matter and contact me within 10 business days. When the customer care associate contacted me, they left a voicemail instructing me to call Marcus ' general customer service number and said anyone could help. I returned the call and spoke with an agent who could onlly address general questions. She informed me that the customer care team determined the transfer was canceled due to confusion. That was the entire explanation. No details about why they were confused. When I spoke with her supervisor and requested monetary relief, she implied the error was caused by me but did not provide an explanation. I was told a resolution team member from Marcus would investigate my complaint and contact me within two business days. It's been three weeks and nobody from the resolution team has called. Clearly, this was not my mistake. I never canceled the transfer, I had sufficient funds to cover the withdrawal and the accounts were linked. I '' m requesting monetary relief for losses accrued due to Marcus ' error canceling my transfer of funds without my authorization, not notifying me of the canceled transfer, and providing false and conflicting information regarding the tranfer 's status. As a result, I was on the phone for 5.5 hours back and forth between both banks. Im also requesting that Marcus ' team provide me with all the documents used to resolve this complaint.
Company Response:
State: CA
Zip: 90274
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: Marcus CD early withdrawal 6 months penalty is too high, a business fraud. On XXXX XXXX, XXXX, I opened a CD account ending 8604 with interest rate at 1.98030 % ( 2 % ) for 24 months with an initial deposit of {$250000.00} ( fund was raised from the entire family ). Unfortunately, I had to close the CD account due to family emergency on XXXX XXXX, XXXX. I understand that there would be 2 month interest penalty for early withdrawal but Marcus charged me 6 months instead. I couldn't review any statements after account was closed. Instead of earning interest for the 5 months ( XXXX XXXX ), ended up I had to pay over {$2000.00}. That's a rip off, in sin and unacceptable. Marcus is worse than a loan shark. Is such an illegal activity being monitored by the government? I strongly believe Marcus is a big SCAM on this penalty. I wish could step in and help to get our hard earned money back. Thanks. I was not informed or aware of the 6 months high penalty of early withdrawal and 2 months penalty would be more reasonable.
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: Marcus CD early withdrawal of 6 months penalty is too high, its a business fraud. On XX/XX/2022, I opened a CD account ending XXXX with interest rate at 1.98030 % ( 2 % ) for 24 months with an initial deposit of {$250000.00} ( fund was raised from the entire family ). Unfortunately, I had to close the CD account due to family emergency on XXXX XXXX, 2022. I understand that there would be 2 month interest penalty for early withdrawal but Marcus charged me 6 months instead. Instead of earning interest for the 5 months ( XXXX XXXX = $ {$2000.00} ), ended up my account was debited {$2400.00} on XXXX XXXX when account was closed. That's a rip off, in sin and unacceptable. Marcus is worse than a loan shark. Is such an illegal activity being monitored by the government? XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$2000.00} XXXX XXXX {$2400.00} I strongly believe Marcus is a big SCAM on this penalty. I wish could step in and help to get our hard earned money back. Thanks. I was not informed or aware of the 6 months high penalty of early withdrawal and 2 months penalty would be more reasonable.
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Hello my Name Is XXXX XXXX, I'm being scammed by this company XXXX XXXX XXXX which does not exist. The Green Sky Bank located in XXXX, GA still charges me {$230.00} every month and is telling me that if I do not make this payment, they will file a claim to take my house away from me. I'm elderly person of XXXX old same as my husband XXXX yrs old. Please I need help. The Solar panel was installed without my authorization and is still not working. Therefore, the Solar panel does not qualify for the program of the installation due to being to old. My friend is helping me send this claim. I'm speaking XXXX. Thank you for reading my messages. God bless you all!.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I am writing to file a complaint against Goldman Sachs regarding their handling of a pending transaction on my credit line. Specifically, I have noticed that a transaction has been held against my available credit line without my agreement or consent. I have been a loyal customer of Goldman Sachs for several a while, and I have always made my payments on time and in full. However, I was shocked to see that my available credit line had been reduced by the amount of a pending transaction without any explanation or warning. After speaking with customer service representatives, I was informed that the pending transaction was being held for security purposes. However, I am not able to see the {$200.00} hold reflected in my transaction history. I understand that holding a pending transaction for security purposes is a common practice in the industry. However, I believe that Goldman Sachs should have notified me of this hold and obtained my consent before holding this transaction against my available credit line.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
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 have an Apple Goldman Sachs card. I booked a hotel XX/XX/2022 for a stay at the XXXX XXXX through their XXXX XXXX XXXX website for XXXX XXXX XXXX The cost was {$1000.00} I canceled this reservation on XX/XX/2022. The cancelation deadline was XX/XX/2022 ( 1 day before arrival ). The hotel charged me anyway and I disputed with Apple Goldman Sachs. The hotel provided their stance on the dispute which was that there was no cancelation allowed due to it being the XXXX XXXX XXXX and also that I booked from a third party and there is not cancelations allowed. I did not plan a stay at this hotel for the XXXX XXXX XXXX and a quick XXXX will show you that the XXXX XXXX XXXX was in XXXX. My stay was in XXXX. I also did not book through a third party. I booked directly through XXXX XXXX XXXX website for XXXX XXXXXXXX XXXX stay. Another quick XXXX will show that is the only way to directly book at this hotel. I provided screen shots of all of this to Apple Goldman Sachs and they have not done one ounce of research for me at all. The dispute gets denied and I open it up again. I ask for proof from the hotel and each time they state they investigated yet they still send me the same notes as the first dispute. This has been going on for months now. I am so upset that Apple Goldman Sachs has not done anything on my behalf. I do not carry a balance on this card and I also have amazing credit. I need help with this investigation and Apple Goldman Sachs to do their due diligence on my case. They have done nothing. Every time I call, Apple agrees with me, they send me to a Goldman Sachs rep and they also agree with me. What is going on???? You are allowing this specific hotel to rip people off and Apple Goldman Sachs is not doing any investigation when I am showing fact and the hotel is not!
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have an Apple card that was restricted after using it out of state. When I try to get in contact with the car company, I was told theres nothing they can do. They had me verify my identity and Ill change my account password, but there was still nothing they could do to help.
Company Response:
State: CT
Zip: 06513
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A