Date Received: 2023-12-27
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I filled out an application on Marcus.com on XX/XX/2023. I filled in all of my personal information including social etc. They told me I was approved and I uploaded front and back of my Driver License per their request. It is showing on my XXXX credit report that GOLDMAN SACHS BANK USA did a soft check. I called ( XXXX ) on XX/XX/2023 about 5 days after and spoke with XXXX Supervisor named XXXX, who was rude, he explained to me that the only information in their system is my name. They can not find my application. I am extremely concerned because they asked me to fill out another application after they already ( lost?, stolen?, deleted? ) my information. I will like to know what happen to my information and make sure there is any fraudulent activity going on with the company.
Company Response:
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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 had identity theft committed against me by a tenant who lived in my house. They had access to my electronic devices, mail, and phone on the account of not believing that someone I knew would steal from me. They opened an account and made numerous charges to my card, and even set my own bank account as autopay using small purchases so that it went unnoticed until I changed banks. Once I changed banks they used fraudulent accounts resulting in termination and collection efforts at which point I was alerted that something is wrong. A police report has been filed, identity theft reports. None of these charges were authorized, or benefitted me, and I was unaware of them. This was a felony white collar crime committed against me and Apple/Goldman Sachs refuses to properly investigate this and remove these charges and credit reporting.
Company Response:
State: TX
Zip: 78247
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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: OnXX/XX/2022 a charge was made on my Goldman Sachs Apple credit card for {$660.00}. I disputed the charge soon after because I had made no such charge. Some time later they determined that the charge was legitimate so I spent upwards of 5 hours on the phone with Apple Card customer service and Goldman Sachs and Apple customer service to attempt to locate the charge. The charge is listed to have been made with Apple Store but there is no history of any purchases made by me at any Apple Store or online. That was confirmed by Apple customer service who were unable to find any history of the charge existing at all. Since that initial dispute in 2022 Goldman Sachs has determined that the charge was legitimate and I am responsible for it. I have continued to dispute the charge but am unable to change that decision. Goldman Sachs has not given me any information about the dispute decisions.
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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 hope this message finds you well. I am submitting this complaint because I started a dispute with my Apple credit card by Goldman Sachs for a {$4000.00} payment made to XXXX XXXX XXXXXXXX a contracting company XXXX XXXXXX/XX/XXXX that did not provide the service agreed upon or completed any job as described. The dispute was reverse despite having submitted evidence that supports my claim. I helped my brother and partner, XXXX XXXX, with his home improvement renovations at his rental property by submitting a {$4000.00} payment to a XXXX using my Apple credit card, but XXXX XXXX was victim of fraud. I provided expert testimony, the contract, inspection report, and an inspection letter giving a direct comparison to the sales contract, it explains in detail line-by-line what the merchant did not finish or complete correctly, emails, lawsuit, counterclaim, third-party complaint, police report, litigation files explaining all the violations and the fraudulent service to the courts, pictures, and a XXXX XXXX link showing video recordings XXXX a background that XXXX XXXX got from public sources right after he found out everything after the facts, it shows that XXXX XXXX the contractor has a long history of criminal record for fencing and stealing, and any other documentation supporting. Regarding the merchants response, I can say that the cancellation and refund policy was not disclosed at the time of sale. Not knowing any better my brother entered a contract that did not comply with New Jersey Home Improvement contract regulations NJAC13:45A-16. The merchant falsely proclaimed a breach of contract and tried to induce XXXX XXXX to remove the disputes. Otherwise stated in the supposed breach of contract he would put a lien on the property which did not happen since work was not completed or performed. The merchant keeps insisting my brother breached the contract when the detailed description of events document in the litigation document sent by my brothers attorney explained XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX failed to properly complete the home improvements pursuant to industry standards ; failed to provide services as required by the contract ; made false representations to my brother ; and violated the Consumer Fraud Act and Home Improvement Act as more fully detailed in the document. Merchant estates my brother received the expected goods/services or encountered. As shown in the inspection report and as stated in the inspector letter drafted by a licensed home inspector, he did not receive such goods/services. As a result, he requested full reimbursement of the amount paid. As stated by my brothers attorney, " By engaging in the above conduct, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unconscionable commercial practice of deception, fraud, and falsity or misrepresentation in connection with the sale of the service and goods in that XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX made misrepresentations of the facts, concealed facts, suppressed facts, and excluded facts to effectuate the sale of the service and goods to my brother. '' In the emails you can see that as soon as my brother questioned the merchant about the progress of the work ( email response sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and advised the merchant that he would not have to pay him in full when the work was not yet completed ( email response sent on XXXX XXXX XXXX XXXX XXXX XXXX ), the merchant realized that the scam was over. The merchant tried to have my brother into a mutual release and settlement agreement and wanted my brother to pay him an additional {$8500.00} under the guise that he would forgive a remaining balance of {$22000.00} ( email sent from merchant on XX/XX/XXXX, XXXX XXXX XXXX ). Here is when my brother was convinced, he was the victim of fraud. My brother, not knowing any better, believed he owed him money but when he visited the property on XX/XX/XXXX, and confirmed the merchant did not have anything completed and did damages. He immediately took all steps necessary to mitigate his damages and report his unlawful activity to XXXX XXXX XXXX XXXX Consumer Affairs which I am also attaching to the email showing he is not licensed. XXXX, the contractor, is well aware that the home improvements were not fully completed. Despite this, he demanded payment from my brother and as my brothers attorney mentioned, Said demands are in violation. My brother have already contacted XXXX XXXX Co regarding this matter, but he is not reimbursing any funds, you can see this in the email, the evidence was sent to XXXX and is going to be included in this complaint, the reimbursement is a fair and reasonable course of action in this situation. You can also read the tenant 's letters ; they are witnesses to what occurred. Once my brother refuted the merchant about not paying him more money when he demanded the merchant himself stated he did not wish to work with him anymore ( email response sent on XX/XX/XXXXXXXX XXXX XXXX XXXX ) and that he would move forward with what he needed to do for the situation. Merchant mentioned that " a breach entitles him to the full contract amount. '' when no job was completed. The merchant failed to provide the service when he left the job unfinished and unsafe. He did not know how to orchestrate the job. He proclaimed maliciously to having completed the job. The merchant contacted my brother by email on XX/XX/XXXXXXXX XXXX XXXX XXXX, and he responded on XX/XX/XXXX, XXXX XXXX XXXX, requesting him to resolve the claim and asking for reimbursement. My brother also solicited specific information regarding what was purchased, and copies of all documentation about these transactions including invoices and the warranties. My brother officially terminated him from the job and let him know about the damage he caused and that he left the work project incomplete. The merchant responded dishonestly by attaching a breach of contract that he drafted himself and falsely claiming he was going to put a lien on the property and suggesting my brother to release the disputes otherwise he will have to assume the consequences. My brother did not receive any credit slip or chargeback approval letter from the merchant to prove they agree he is due credit for this {$4000.00} charge. Documentation that supports my position has already been submitted to the email address XXXX Please, note that Apple Credit Card was utilized as part of a more significant payment made to XXXX XXXX XXXX My brother paid the total cost upfront as per the balance of the contract. The job the merchant started is not finished, and he did not provide the service they agreed upon in the contract. XXXX did nothing correctly at my XXXX house and didn't repair things. I am going to include XXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute results in which the provisional credit issued to the account is now permanent. Apple credit card should have the provisional credit permanent according to consumer protection they offer and in this case for uncompleted job and poor workmanship. Please, know that on or about XX/XX/XXXX, the state of New jersey revoked the license for XXXX XXXX co which it can be seen at my brother 's attorney filing document submitted to the NJ court. Referred page 11 and EXHIBIT " J '' I would appreciate it if Apple Credit Card by Goldman Sachs could expedite a permanent adjustment process. Please keep me updated on the progress. If you require any further information, please feel free to reach out to me. Thank you for your attention to this matter. I look forward to a prompt resolution.
Company Response:
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am an existing online savings account customer and attempted to open a joint online savings account this morning with my XXXX son XXXX ( XXXX was to be the primary owner, and I the secondary owner ). We first attempted to open it online and then called the bank ( Marcus by Goldman Sachs ) as instructed. After lengthy conversations the bank representatives and supervisor stated the account was declined, allegedly due to a mismatch of information, but refused to say what that mismatch was or to provide further information either over the telephone or in writing, claiming that she was not permitted due to privacy reasons. My son lives at home and is a XXXX XXXX XXXX. I am confident that all information provided was correct, including his Social Security number. He has never had a credit card and may not have a credit bureau file open for him yet.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
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 originally booked a stay at XXXX XXXX XXXX in XXXX from XXXX XXXX - XXXXXXXX XXXX through XXXX with my Apple Card. While staying there, I encountered numerous serious issues : 1. My girlfriend cut herself when trying to open a defective water bottle provided by the hotel which cut and left a wound on her finger. Hotel staff ( maybe security? ) came up a few minutes later to assess the situation and replace the bottle. 2. The next day, hotel staff left our door open and accessible by anyone all day which put all our personal belongings at risk and was extremely unprofessional 3. The TV and toilet had issues 4. When we informed the staff on the above issues they offered a complimentary breakfast the next morning ( I dont think they took our concerns seriously ) 5. The next morning when trying to use the complimentary breakfast they said they had no record of any offers so we had to spend another hour talking to the staff reexplaining all of the above 6. They once again offered complimentary breakfast delivered to our room since breakfast was now closed and we were checking out 7. We waited hours again and no word from them on the breakfast 8. After returning home we contacted the merchant ( Trip.com ) but they have been giving us the constant runaround passing us from agent to agent without any resolution for over a week now. 9. Disputed the charge through Apple Card ( Goldman Sachs ) and provided them the evidence attached but it was not successful. When asked about the rejection reason I was simply ignored. So I've wasted hours upon hours for some sort of resolution that never came for the numerous issues we encountered which has been very frustrating to say the least. XXXX and the XXXX XXXX acknowledge they have not provided satisfactory services and are unwilling to fully refund our charges, only false promises of a cheap {$30.00} breakfast and XXXX coins which I have no use for.
Company Response:
State: CA
Zip: 94112
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Goldman Sachs Bank USA has reported to the credit companies a written off loan that was being paid. Goldman hired XXXX XXXX XXXX a debt collection company to sue me for the alleged debt. I am contesting everything in court and have not been found liable for this debt. I have tried to use Fair Credit Collecting Act rules to get info as well as Fair Debt Collection Practices Act rules to get information from Goldman as well as XXXX also State of Florida Debt collection laws but I've been told those consumer laws don't apply because Goldman is still the owner of the debt. I dispute that since Goldman hired a debt collector to represent them and collect on an alleged debt. I know that both Goldman and XXXX has to follow any and all collection acts and reporting acts but they aren't and misleading me and the court by claiming they aren't bound by these laws. If you look up any county court clerk records there are literally hundreds of Goldman Sachs Bank USA represented by XXXX suing consumers committing fraud against consumers violating these acts. How can a debt be reported on a credit report negatively if its been taken to court and not found guilty of owing the debt. That is a violation of due process as well as fraudulently reporting debt until its found owed by the court.
Company Response:
State: FL
Zip: 34952
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Background & situation : I have an Apple Card that is issued by Goldman Sachs. I received the card in XXXX XXXX with a {$1500.00} credit limit. I had some financial emergencies in the fall of this year, fell behind on some payments ( not with my Apple Card ) and took out a loan from my XXXX to catch up. My bank told me the check would clear by XX/XX/XXXX but they decided to hold it longer because it was a large check ( I had to call the bank to correct ). I had made a payment to my Apple Card on XXXX but it was declined by my bank. I then made a payment on XX/XX/XXXX and called Goldman Sachs to tell them what happened. Because this payment was declined and other creditors reported that I had late payments, my credit limit was downgraded to {$800.00} on XXXX I did not know that this downgrade was happening and made payments totaling {$1400.00} on XXXX XXXX and XXXX. Situation : I paid {$1400.00} and I spent {$600.00} by XXXX On XX/XX/XXXX they downgraded my credit limit from {$1500.00} to {$800.00}. Now they're saying that my only available credit is {$190.00}. However there's {$680.00} that is unaccounted for and Goldman Sachs is saying that they do not owe me the money. The customer service agent didn't understand the issue and didn't take the time to understand it. So we didn't get anywhere through both phone and text support. I'm at a loss and don't know how to get my money. SUMMARY OF NUMBERS CITED : Balance on XX/XX/XXXX : {$1400.00} XXXX payments : {$300.00} on XX/XX/XXXX {$300.00} on XX/XX/XXXX {$880.00} on XX/XX/XXXX TOTAL PAID FOR XXXX : {$1400.00}
Company Response:
State: MI
Zip: 48212
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On behalf of XXXX XXXX XXXX, Goldman Sachs Group Inc. uses it's " Marcus '' brand to service XXXX XXXX XXXX 's consumer credit cards. I have a XXXX XXXX XXXX credit card. My complaints are as follows : -received debt/collection total calls from Marcus in a 7 day period greater than is allowed by US law -received calls from Marcus the next day after speaking them about my account. The law says they can't call within 7 days after having already spoken to me about it. -Marcus called me on and about XXXX XXXX and XXXX XXXX -Marcus did not properly identify themselves or provide confirmation when prompted. That is, I wanted to confirm it was my card servicer calling and not just some scammer asking for money -Marcus disenrolled me from auto-pay without permission and notice- which caused me to miss my payment. Hence the reason i fell behind. Goldman Sachs Group Inc. and/or XXXX XXXX XXXX disenrolled me from auto pay, caused me to go into arrears, then badgered me over a holiday weekend for debt caused by their improper conduct.
Company Response:
State: NY
Zip: 11731
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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 a transaction dated XX/XX/2023 I was scammed {$190.00} in the XXXX XXXX XXXX XXXX XXXXXXXX using XXXX XXXX XXXX when a merchant showed me XXXX amount but quickly changed the amount before I tapped my phone. I almost instantly noticed this scam and reported it to Apple Card hoping that this swiftness would help my case. I have gotten in the phone with them multiple times, reopened the claim 5 times, told my story via email and over the phone countless other times. Despite providing all the evidence that I possibly can, Apple Card/Goldman Sachs continues to not only deny the claim but not even look at the details of an obvious scam. The whole point I use a credit card overseas is to protect myself from things like this happening. In the few times it has happened, my other providers ( XXXX and XXXX XXXX ) have timely and efficiently resolved the claim and gotten me back my money. This is the first time Ive ever filed a fraud claim and been denied, and I believe the first claim filed on Apple Card as I mostly use my XXXX and XXXX XXXX. Goldman Sachs keeps requesting that I provide more evidence, but that is not reasonable. The main evidence should be that nobody spends {$190.00} on a XXXX in XXXX and the commonality of this scam! Especially to XXXX XXXX XXXX! To others, dont use your Apple Card if you want any type of fraud protection, they will close your claim in the scammers favor and leave you hanging with the bill. This is a company operating in bad faith with their clients, and I see why the consumer department is going out of business! I wish this would get fairly resolved, so I never have to deal with these crook accomplices again!
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A