Date Received: 2023-03-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: my credit card is frozen after i paid my bill not once twice. the company holding my payment and i cant used the card for any purchases. i set up a minimum of XXXX instead of taking XXXX they took out XXXX from my bank account. my bank stop the payment and the funds was returned. I made another payment for XXXX and my account is still frozen. i called the goldman sachs to find ot a solution and i got no where.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 1. Opened Marcus by Goldman Sachs Account on XX/XX/XXXX. All funds deposited to said account were cleared and ready for withdrawal as of XX/XX/XXXX. 2. Total balance in account was approximately {$5600.00} as of XX/XX/XXXX. 3. Attempted to make a withdrawal on the Marcus by Goldman Sachs website in the amount of {$5600.00} via ACH to my checking account at XXXX XXXX XXXX XXXX on XX/XX/XXXX. 4. Marcus by Goldman Sachs NEVER transmitted the ACH per my instruction in the amount of {$5600.00} as a result I did not receive MY funds the following day. Repeated calls to customer service stated that the ACH transfer was sent and to check with the receiving Credit Union. Customer service/their Supervisor had the intellect of a teenager and could not answer basic questions like the exact timestamp of the ACH. Customer service would not provide a 15 digit ACH trace number either. Attempts to speak with a higher level representative at Goldman Sachs Bank have been unsuccessful. The bank simply does not care and will not escalate concerns to higher levels of management. I was hung up on, screamed at several times by Goldman Sachs Bank customer service representatives. Marcus ' website advertises SAME DAY TRANSFERS of less than {$100000.00}. 5. Next business day on XX/XX/XXXX I received a phone call from XXXX in the Back Office ( XXXX UT ) in an attempt to confirm I performed the subject transfer via their website. Because the funds originated from different financial institutions to Marcus, she reversed ( money not back in my Marcus account until XX/XX/XXXX ) my transfer and told me it could not be completed UNLESS I transferred the original amounts back to their originating financial institution. She wanted to verify these were MY funds. Funny, Marcus had no problem accepting my funds for weeks but when it comes time to withdraw said funds, they provide all kinds of roadblocks trying to do so. XXXX said that my funds would be reversed and I need to re-initiate ACH transfers of exact amounts given to the originating financial institutions in order to get my money out of Marcus. I questioned the accountability of her statements and she hung up on me. This is because several customer service representative previously stated my funds had already left Goldman Sachs Bank via ACH in route to my financial institution as requested. No one knew the transfer was " stopped '' by the back office. 6. Furious, I contact Goldman Sachs Corporate Offices in XXXX XXXX. They assure me someone will contact me that can help. No one from Corporate or HIGHER level Management has contacted me to date. I have been in communication with a XXXX XXXX in Texas who is a Call Center Manager, but she does not even have the abilities to confirm/ensure ACH transfers leave Goldman Sachs Bank per her own words. 7. XX/XX/XXXX I re-initiate the ACH transfers as instructed by the representative in Marcus ' Back Office. My funds still have not been sent out via ACH. Marcus by Goldman Sachs has stolen {$5600.00} of my funds and I do not have a pathway of getting the funds back. THIS IS THEFT. There are reports and complaints about this very problem already at the CFPB and on XXXX. Why is this bank being allowed to do this to depositors? I want MY funds back!!!!
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Apple credit card fraudulently let someone charge up my account. They contacted me saying I owed then XXXX I had auto pay set up and they had taken out XXXX on XX/XX/2023 then another XXXX XX/XX/2023. I told them I have not used the card at all and they just took money out of My account. They said they never recieved any payments. I asked them to open a dispute for the fraud purchased on the account I didn't do. They did. The next day they called me and said I owed XXXX and it was past due. I told them there is no way. Now on my credit they flagged my account past due XXXX!!!! I don't even own a apple phone to use the card!!!!
Company Response:
State: CA
Zip: 95901
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have an online savings account with Marcus of Goldman Sachs. I have this account connected with other VERIFIED accounts. When I asked TO TRANSFER MONEY to the other accounts, they LOCKED MY ACCOUNT. It took hours to unlock my account even though I went through several verifications processes. Marcus reps kept making it more difficult for me to transfer money. I asked them to close the account. I had to accept a check from them because they kept placing me through hoops in order to do anything else. I am waiting for the check. This is an online bank without physical locations and they refuse to transfer money to VERIFIED ACCOUNTS.
Company Response:
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: After my previous complaint regarding my CD maturing and the wire not promptly sent out by Goldman Sachs with accurate account information, I learned yesterday XX/XX/23, that without notification to me, or online banking, or through the mail, Goldman Sachs reversed my wire and created a new CD. Did not notify me. When continuous calls were made by both myself and the receiving institution regarding the wire, Goldman Sachs finally wire the funds on XX/XX/23. However without any notification, for their admitted error, they withheld a penalty of {$830.00} for " early withdrawal of a CD ''. A CD that I never created. As of my phone conversation today XX/XX/23 I am waiting for my issue to be reviewed in the " que '' and consideration for my " penalty charge '' to be reviewed. I didn't have a CD. My prior CD renewed on XX/XX/23 with closure and wiring instruction. On XX/XX/23 when this didn't happen, new and complete wiring instructions were given to both my savings and my CD. On XX/XX/23 my savings was sent $ XXXX however the $ XXXX was not. It took call after call and finally my CD was wired on XX/XX/23 {$830.00} less. No explanation, no statement, no pending account information, no history of interest accruing while being held at institution. Absolutely no customer activity available for me to see online. I am still waiting on a Supervisor or manager phone call. No ability to escalate. {$830.00} in FEES for a Goldman Sachs reoccurring error.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had 9 CD accounts with XXXX by Goldman Sachs. The company closed my accounts without my permission. This was on XX/XX/23. the amounts are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. On XX/XX/23 I was told, I would get a check in 7 to 10 days. OnXX/XX/23 I was told, the money was on hold. On XX/XX/23, I was told, the money would be sent back to my bank account, they then said the money was to The State on Pa. The State of Pa. say they have no record of this. I was not given any reason for the closing of the accounts, or sending the money to The State of Pa.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I've had a terrible experience with Apple Support with an Apple Pay in app purchase refund. Upon XX/XX/2023, XXXXXXXX XXXX XXXX I had some purchases that came through to my bank from the apple XXXX and I noticed my funds going down XXXX dollars in under a hour or so. I've given permission to my child in the past to use the apple XXXX but not by this much after scolding him for such reckless degenerate behaviour I became immensely worried as this was simply too much money wasted way too quickly. I thought to myself why does APPLE not flag these purchases at all and deny them? I'm not wealthy by any means and so having that much money disappear from my bank account that fast is just something that has caused me immense financial difficulty. I had looked up ways to recover my funds i thought at first of going to my bank but realized that apple must have some way for customers to be refunded for virtual content purchases. I've heard horror stories before from games like fortnite where kids would spend thousands of dollars and place their parents in debt with charges that'd never be refunded from lootboxes and other virtual content so I was worried this would be a similar situation. I contacted apple support under 1 and 2 hours immediately after these purchases for a refund. exact date and time I had contacted them was Mon, XX/XX/XXXX, XXXX XXXX so I was within a reasonable timeframe for a refund. as the purchases were made XX/XX/2023, XXXXXXXX XXXX XXXX It should've been rather simple for apple to rollback any purchases made instead I had several days of my time wasted by their support in which time I've been in the red on my bank account. the fact that their support takes an insanely long time to resolve trivial issues like this says something alot about them and their total disregard for the customer. This mind you was the first time in my entire life I've ever been through their refund process. Perhaps they discriminated me because of my foreign sounding name? Or simply just didn't care enough whatever may be the case I'm extremely angry at how they've handled my case. Apple in app purchases shouldn't EVER have a refund denied if its done in a timely manner especially for someone first time especially in the case of lootbox/virtual content that has no tangible nor material presence. i've literally lost money because of pixels on a screen and apple simply can not just rollback all of the content? give me a break.
Company Response:
State: MN
Zip: 55407
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a savings account with Marcus by Goldman Sachs to hold funds to be used for the down payment of a house. I funded approximately 40 % of the account from a domestic ACH from XXXX XXXX XXXX XXXX. and 60 % from XXXX XXXX XXXX. I instituted a domestic wire transfer of approximately 25 % of the total funds bank to the XXXX XXXX XXXX XXXX. account used for funding. To be clear, the amount wired back to XXXX was less than the amount originally sent to Marcus. This domestic wire was initiated at XXXX EST / XXXX CST. When I called to initiate the wire transfer, the agent informed me that wires are concluded by XXXX EST the same day. When this timeframe came and went without funds transfer, I called again and was informed that sometimes, wires can be instead processed at XXXX EST. Once again, that timeframe came and went without Marcus wiring my money to my external institution. The third agent I called told me that it would likely process overnight. You can likely guess what happened next! The wire did not process yet again and Marcus continues to retain my funds against my wishes and will do nothing to process this wire transfer in an expeditions manner. It frankly reeks of false advertising to claim to offer free domestic wires but those wires in reality are remarkably time consuming in a way that does not comport with industry norms.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I made my payment on my apple card through the apple wallet. However there appeared to be an issue with processing the payment on Apples side as it didnt post until the next day which charged interest. I called and spoke to XXXX on XXXX who is a supervisor who opened a dispute on XXXX the dispute was resolved in my favor and the interest was credited back. However in doing so the company Cancelled the payment and did a manual credit in doing so they placed a hold on the payment until XX/XX/XXXX I called again on XXXX and spoke to XXXX another supervisor at apple who agreed that the payment should not be held as the already hold the funds and it was just a simple back dating of the payment. He advised that he would escalate this up to the customer advocacy team and that I should have a call back later that day. I have called every day since the XXXX and continue to get a different answer every time. Meanwhile my payment is on hold and I have no use of my card and its causing my autopay 's to be rejected.
Company Response:
State: NC
Zip: 27591
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: LENDER : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Application XXXX XXXX Merchant : XXXX XXXX XXXX XXXX XXXX XXXX sold us an on demand hot water heater to replace the one that was not working. They promised a zero down and zero interest. Sure, I took the deal and signed their paperwork. Several days and the bill came in with a 6.99 % interest rate. Paying that off would cost me {$8000.00} on top of the {$12000.00} water heater cost. We talked to GreenSky and even with all of the talks they said the loan was already made and COULD NOT BE CHANGED! In addition they have charged me {$1200.00} of Finance Charges that I could not find in the contract. The question is ; why didn't they contact me or XXXX XXXX XXXX when they wrote a loan contract with an interest rate? I didn't even have a chance to read the loan to see that they were going to charge interest. We have since paid off the loan in order to avoid those harsh interest payments.
Company Response:
State: CO
Zip: 80524
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A