Date Received: 2023-03-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Report Act XXXX, Account Number : XXXX from Apple card has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Company Response:
State: IN
Zip: 46143
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: It has been brought to my attention that there was a credit card and inquiry open, then maintained in my name. I do not recognize this account. Upon further investigation, I believe myself to be a victim of identity theft. I am submitted records to GS Bank to remedy this issue, and have not received a response. It was opened using an XXXX XXXX I have not used in several years. Attached is the report I filed with the FTC and the rights awarded me as a consumer.
Company Response:
State: AL
Zip: 35124
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I noticed a company called Apple Card was reporting a negative remark on my credit report. Enclosed I am submitting pictures of the letter I sent them certified mail requesting validation of the debt. I mailed this letter out XX/XX/XXXX certified mail. Today is XX/XX/XXXX. I feel they have had more than enough time to complete an investigation which they have not. They are reporting to the 3 credit agencies different and inaccurate information to each one without even providing me with validation of the debt. Enclosed you will also find a picture of my credit report from XX/XX/XXXX which was more than 30 days after they received my letter to correct their records and validate the debt with the company Apple Card still reporting different information to 3 credit reporting agencies without validation of the debt.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
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 have made several attempts with Apple Bank ( through Goldman Sachs ) to have my monthly payment lowered because I am unemployed and can not afford to make the payment. They have refused to lower the payment and have have threatened to report me to several credit bureaus. I have been trying to work with them but they have been unwilling to work with me. I have been adamant that I want to make a payment. I just can not afford the payment they are demanding. I have tried to work with at least 6 representatives with this bank to no avail.
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
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: Transaction date : XX/XX/2022. Amount : {$960.00}. I am an XXXX XXXX stationed in XXXX. While vacationing in XXXX I signed a non-binding agreement to purchase 2 tailored suits. However, upon finding out they were scamming and overcharging people, I canceled the order and did not go in for my measurements/fitting. The merchant, being the scammers that they are, proceeded to charge my card anyway. I disputed this charge over a month ago. The company sided with the merchant because I signed the agreement. However, the merchant NEVER provided proof that the items were delivered to me. I showed them evidence that I never even took the measurements. The credit card company outright refuses to send me the alleged evidence they collected to arrive at their conclusion. Instead, they are asking me to proof that the items were never delivered. How am I supposed to do that? The burden of proof is on the merchant as in showing signed delivery confirmation.
Company Response:
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Transaction date : XX/XX/22 Amount : {$250.00} I am an XXXX XXXX stationed in XXXX. While vacationing in XXXX last XXXX ( XXXX ), I purchased a beer at an establishment. They proceeded to charge my credit card for {$250.00}. The correct amount should've been {$240.00} and that is the amount I am disputing. Unfortunately, I did not notice until I had left the country so I could not raise the issue with the merchant. The credit card company XXXX XXXX XXXX, which is serviced by XXXX XXXX ) outright refuses to send me the alleged evidence they collected to arrive at their conclusion. They chose to leave me in the dark and this is unethical.
Company Response:
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The Apple Card and Goldman Sachs provide statements that are confusing and make no sense. A charge appeared on my XXXX, XXXX statement for {$430.00}. I contacted the Apple Card support on XX/XX/XXXX to dispute the transaction. I received a response on XX/XX/XXXX which did not address the substance of my dispute. The Apple Card and Goldman Sachs seem to be engaging in deliberate obfuscation to confuse, mislead, and scam card users. There is no way to view a register with a complete detail of past purchases and payments. The explanation I received for my disputed transaction addressed my card balance from a few months later and was worded as follows : " Your balance is made up of card purchases and returns, payment activity, monthly installment due and any interest charges. Your total balance was {$180.00} plus purchase activity of {$0.00}, and payment activity of - {$72.00} plus installment due of {$37.00} plus interest of {$0.00} plus installment purchase of the current month {$0.00}, plus total remaining installment balance $ XXXX, which matches your total balance of {$37.00}. '' What does that even mean?
Company Response:
State: CO
Zip: 80238
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions or Experiences between the consumer ( me ) and the person ( you ) ( Apple Card/GS Bank USA ) Making the report is NOT INCLUDED on my Consumer report!
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Marcus by Goldman Sachs had a special offer in early 2023 : " Get a {$100.00} Cash Bonus when you deposit {$10000.00} in new funds to a Marcus Online Savings Account. '' The requirement was to enroll in the promotion, deposit {$10000.00} in new funds within 10 days, and then maintain those funds plus the existing balance for 90 days after the 10-day funding period. I enrolled in the promotion on XX/XX/XXXX and received a confirmation email from Marcus. The promotion was correctly noted on my online banking account. I deposited {$10000.00} on XX/XX/XXXX to meet the terms of the promotion. On XX/XX/XXXX, I notice that the promotion had disappeared, so I called Marcus. The representative said that she fixed the issue and gave me a case number. The online banking portal appeared to say that I had been re-enrolled in the promotion on a date in XXXX. On XX/XX/XXXX, I noticed that the promotion had disappeared from my online banking. I wrote in via chat. The representative confirmed that I was enrolled in the promotion on XX/XX/XXXX, and that I deposited funds on XX/XX/XXXX, but said that I was not properly enrolled and could not discuss further via chat.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The two banks involved in this ongoing issue are XXXX XXXX XXXX XXXX and Goldman Sachs. The bank that has reported an unfair and unethical delinquency is Goldman Sachs. I opened an Apple Card with Goldman Sachs in XXXX of XXXX. Please note that prior to the reported delinquency I had never made a late payment on this or any of my accounts that are reported on. On XX/XX/XXXX, XXXX several months after the so called " late payment '' I received a notification that I had failed to make a payment on my account when I was not previously notified of this as had been told my payments were successful previously. I immediately made an additional payment on XX/XX/XXXX to rectify this and was told by a member of Goldman Sachs that this was an error on their part and that this would not reflect on my credit score/reporting by an employee at GS bank. Several months later I found out this was not true as my XXXX XXXX decreased for this very reason. I have talked to several members at both Goldman Sachs and XXXX XXXX XXXX XXXX and every time am told a different story where each bank places blame on the other for the failure in transaction and gives different explanations. I have been trying to resolve this issue for roughly 6 months and still have this reported delinquency where Goldman Sachs passes me between departments and submit an internal " dispute '' only to have another employee dismiss it because they're stating that the payment was not received with XXXX context of the situation whatsoever. I have also disputed this with XXXX twice who then circles back with Goldman Sachs who states that the delinquency is correct. Goldman Sachs states that XXXX marked the charges as " unauthorized '' and XXXX states that Goldman Sachs pulled from " someone elses account. '' Most recently this past week, I spoke with a very helpful member at XXXX XXXX XXXX XXXX who let me know that Goldman Sachs tried to pull the funding out of another members account ( please see attached letter from XXXX employee detailing the situation ). I am also attaching the emails I received on XX/XX/XXXX notifying me of the tardy payment several months AFTER the fact. I have also attached my bank statement from Goldman Sachs which details the payment for XXXX highlighted and several other confirmations I received. Please let me know if I can provide any additional statements/information.
Company Response:
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A