Date Received: 2023-03-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX I had disputed a charge for a rental house on my Apple/Goldman Sachs cc . I had spoke to multiple reps while the situation was happening and followed their guidance. The rental agency was threatening to call the police so I had to release the dispute then refile after we had checked out per the advice of Apple/GS. The dispute was ultimately ruled in favor of the rental house ( property management ) even though I sent photos of someone else 's dirty clothes, rats, broken A/C and broken elevator etc. At that time, I made the decision that I no longer wanted to do business with Apple/GS and paid the account balance IN FULL and closed the account. This past XXXX XX/XX/XXXX, I got a letter in the mail from A/GS stating that they decided on multiple disputes incorrectly and would be re-opening them to adjust the rulings. I DID NOT initiate this contact, they did. I called into A/GS and the rep I talked to had no idea about the letter or knowledge of the fact that they as a company were reevaluating closed disputes. My account remains closed. Fast forward a few months and I get a letter that states they did not rule in my favor ( again ). I do not care, I didn't ask for any action to be taken. They initiated. It has also come to my attention that Goldman is UNDER INVESTIGATION for this exact issue and not giving customers correct information. No shocker here. Fast forward a year, I have gone back and forth more times than I care to recall but I finally found out that they were billing me because they were unable to disposition the 2ND dispute in a timely manner and were required to make a deposit of the credit that I did not ask for in my account. By the time someone at GS was actually able to give me this info, they had threatened to hit my credit report. I called in to arrange to pay them to get them out of my life once and for all and I told them I would pay it as long as they did not hurt my credit. I was told they would have to file with their internal credit and they would get back to me. I followed up and tried to pay again and was told that I had to wait until the credit dispute was done. Not shocking, they upheld the negative credit rating and said it was correct. This is ludicrous as even THEIR OWN reps could not tell me why there was a balance. I finally spoke with a supervisor and he said there was nothing that could be done because I owed the money. I am not even disputing that anymore but it is completely unreasonable to expect me to pay for something that I did not charge. THEY gave me a random credit and now want it back. He said he wanted to find a way to fix this for me but he couldn't because I owed the money. He continually said he completely understood how I felt but that it was too bad and the credit stands despite the fact that we both agree on that I DID NOT USE the card. I just want my credit back. This has been an absolute nightmare. I have not heard anything from them since they told me there was nothing they could do. I want to get this resolved and never do business with GS or Apple Card again.
Company Response:
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Company Closed Account Then Charged It Of 15 US Code 1666b Timing Of Payments A Creditor My Not Treat A Payment On A Credit Card Account Under An Open End Consumer Credit Plan As Late For Any Reason 15 US Code1666 Correction Of Billing Errors 15 US Code 1681B Permissible Purpose Of Consumer Rights Section 602
Company Response:
State: CA
Zip: 90712
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor, Apple Card/GS BANK USA has violated my rights. Under Act 15 U.S.C 1681 SECTION 602 SAYS I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 section 604 A section 2 also states " a consumer reporting agency can not furnish an account without my written consent. Under 15 U.S.C 1666B, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 95833
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was sent an adverse action notice on XX/XX/2023, that denied my application in a consumer credit transaction. The notice further stated that the decision to deny me was based on information shared without my consent and used to discriminate against me. As explained in federal law under 15 USC 1602 ( f ) credit is the right granted by a creditor, which means access to credit extended is my lawful right as I am a creditor as described under 15 USC 1602 ( g ) because I regularly extend consumer credit. I initiated this transaction with my credit card under 15 USC 1602 ( l ) and this corporation utilized my credit card for there own profits and gains and I received no benefit from this transaction as required by federal law under 15 USC 1602 ( p ), means they violated the law because it was unauthorized use. By discriminating against me in attempting to deny my right to exercise my right to extend credit and receive benefits from the application for credit under 15 USC 1691 ( a ) ( 3 ). To resolve this matter, I am requesting that I be granted the credit that I extended the application for without any further discriminatory restrictions.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: An initial request for any and all documents in relation to or regarding the account in question were requested on XX/XX/22 via email. Greensky denied having any other documents excluding those accessible via their web portal - related to the account after months of pursuing. On or around XX/XX/22 a rep stated, via a recorded telephone conversation, other documents were in fact in existence, yet I was not allowed to have them. I repeatedly asked for the documents, she repeatedly denied the requests. Greensky has violated my consumer rights by denying access to any and all documents in possession associated with the account, Greensky actively concealed my access to the information despite acknowledging its existence. Greensky has violated the following but not limited to Section 609. Disclosures to consumers ( 15 U.S.C. 1681g ), Section 610. Conditions and form of disclosure to consumers ( 15 U.S.C. 1681h ), Section 616. Civil liability for willful noncompliance [ U.S.C. 1681n ], and Section 617. Civil liability for negligent noncompliance [ U.S.C. 1681o ] which is legally enforced by but not limited to Section 621. XXXX XXXX [ 15 U.S.C. 1681s ] of the Fair Credit Reporting Act 15 U.S.C XXXX Greensky has violated the terms and conditions of the Loan Agreement. Via a recorded telephone conversation, on or around XX/XX/22, XXXX XXXX refused to honor and uphold the terms and conditions on page 7 of the companys agreement which states : Your Rights If You Are Dissatisfied With Your Payment Card Purchases If you are dissatisfied with the goods and services that you have purchase with you Loan, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true : 1. The purchase must have been made in your home state or within XXXX miles of your mailing address, and the purchase price must have been more that {$50.00}. ( Note : Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that you the goods and services. ) 2. You must have used your payment card for the purchase. 3. You must not yet have fully paid for the purchase. If all if the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at : GreenSky Program Attention : Disputes XXXX XXXX XXXX XXXX, GA XXXX You may also contact us at XXXX While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you delinquent. XXXX stated she agreed that my efforts met the requirement to honor the right to not pay yet would not honor it.
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This problem might not get fixed, but at least I documented the issue. I already filed a complaint because for some reason, Apple would not process my application so that I could get a card. It took me submitting an application like 59 times just to get them to run my credit. I finally was able to get the card, once they ran my credit and have used it for well over a year. Sometimes less, because of other circumstances. I asked for a credit limit increase, and have been denied countless of times even though the info that they send me stating why indicates a score of 790-810. I was told in XXXX to use the card regularly for a month because if we dont automatically granXXXX an increase after 6-months, we usually do so after a year and because I didnt start using the card right away. I did so, and was told the same thing. I asked for them to perform an underwriting, which they agreed to do which might require them rerunning my credit, which I was informed about via email, but was told by a rep that they would not review it and there decision is final. As I tried to explain to the reps, if they did what they said they were going to do, a soft look would have told them that I have a card thats 4X the limit of the Apple Card, which is why I dont get the balance up high that often. Also, when I do go that high, it takes a month or so for my score to go back up because it results in a XXXX point hit to my score. I think they are picking on me because of my name and what my name means. So, them asking me to permanently lower my score to get a limit increase is biases, especially when I have mad more than the minimum payment and well before my due dates. From what I gather from searching the web, this isnt a common problem that I am experiencing. This is prejudice at its core and is something that the average XXXX customer isnt dealing with.
Company Response:
State: CA
Zip: 90003
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My account was locked. In order to unlock the account, the agent mentioned that they will have to mail me an identity verification document. I will have to send a notarized affidavit and mail it back to the bank. The reason I opened an online account is to conduct business online and not have to deal with mail. In addition, my funds are locked for more than 15 days which is completely unacceptable. Marcus should be able to resolve the issue online. If not, they shouldn't allow consumers to open accounts online and instead have physical branch locations where the consumers ' issues can be resolved.
Company Response:
State: CA
Zip: 94404
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I filed the complain on XX/XX/XXXX, case number of XXXX. The bank still refused to close my accounts and I reject its explanation completely. This is not trustworthy bank and no wonder why it's ranked 1 out 5 on XXXX with over 400 complaints in the last 12 months. The bank doesn't have a valid system to communicate with its customers effectively, its so called " specialists '' who are a untrained group of people, every call took hours and no problem can be solved. Its called back phone ID method is totally broken, it works one day and not functional on another day. How can the bank all depends on a phone call? Why the bank just sends a check in my name to close my accounts like other banks do? In the matter of fact that the bank did refund a portion of my money to my linked account with the XXXX XXXX XXXX from one of the three account on XX/XX/XXXX and refused to do the same with the rest of my money. The bank has no right to hold my money and I demand the bank to release all my funds back to the linked account with the XXXX XXXX XXXX where all deposits were made from or simply send me back a check in the amounts. This bank has no protection to its customers, the only thing they are capable to do is to block its customers ' access and hold other people 's money.
Company Response:
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
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 purchased an item recommended by XXXX and got scammed. It was a fake watch, Goldman Sachs ( GS ) was not helpful, the seller was not in America like they represented and said they sold sliding glass doors, not watches. The seller provided GS with a one page document. I paid XXXX XXXX to have the watch appraised and submitted a 20 page XXXX of interaction with the seller and fraudulent claims. I finally was told by a GS call rep to file a police report. I have and have mailed the printed pdf of proof to GS. I have been flagging this transaction since XX/XX/2022. With each denial I have emailed GS additional proof and they say they dont have it.
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
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: To whom it may concern, Goldman sacks credit card for apple. Refuses to provide correct statements regarding transactions, I was charged for items that were already fully paid off. Ive been calling them for 3 months now with no solution. No one knows what is happening. They are constantly changing my current balance.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A