Date Received: 2023-03-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am writing to file a complaint against Marcus Savings for their unfair treatment and unreasonable fees. Between XX/XX/2022 and XX/XX/2022, I attempted to pay my rent on XXXX from my Marcus Savings account, only to discover that my account had been restricted without any prior notification or explanation. As a result, the payment bounced and I was charged {$75.00} in bounced check fees. I tried to contact Marcus Savings to understand why my account had been restricted, but I was unable to get any clear answers or assistance. This lack of transparency and customer service is unacceptable, and I feel that I have been unfairly penalized for something that was not my fault. I believe that Marcus Savings ' actions violate the terms and conditions of their banking agreement, as well as basic principles of fairness and customer service. I request that Marcus Savings reimburse me for the {$75.00} bounced check fee and take immediate steps to improve their customer service and transparency. Thank you for your attention to this matter. I look forward to your prompt response.
Company Response:
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I made a payment at around XXXX XXXX through my apple wallet in the amount XXXX of which XXXX was made from my apple cash balance. On XX/XX/XXXX at XXXX apple card charged me interest in the amount of XXXX. I called Apple to inform them of the error and was told a billing dispute would be open. On XX/XX/2023 I received a call from Apple indicating that they didn't process the payment until XXXX XXXX on XX/XX/XXXX and wouldn't credit me back the interest. There seems to be a processing error on their end as the payment was made at XXXX XXXX through Apple wallet not my bank. This caused my card to reflect over the limit and report negatively to the credit Bureau.
Company Response:
State: NC
Zip: 27591
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX XX/XX/XXXX, I received an email indicating that my credit card with Apple ( Goldman Sachs ) had been closed because " There was a failure to comply with the terms of the Customer Agreement. '' When I attempted to call to ascertain what terms or conditions I had violated, I was told to read the terms and conditions. I am unsure if I should guess what I purportedly violated. I have never missed a payment and have always paid promptly. I am uncertain what I could have violated. I did write to them recently to ask for a credit increase ; if there was an answer to shut the account down, I am uncertain how that was in violation. This also occurred when I had an issue on XX/XX/XXXX where they had been restricted by card without any information. I want my account to be reinstated. I have not done anything wrong. Respectfully,
Company Response:
State: OH
Zip: 44266
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been filing four complaints against GOLDMAN SACHS BANK USA associated with four disputes on file, and every time the company provided a response that's NOT associated with the dispute IDs I provided and then they requested the complaints to be closed. Could the company provide responses that are associated with the complaints? My iPhone and wallet were stolen last XXXXXXXX, I've been working with the bank for all the disputes, but the bank only removed part of the unauthorized transactions from identity theft, not all of them even if they are from the same merchants and the similar dates with all other unauthorized transactions. These are the disputes that should be included in the identity theft transactions and the bank still asks me to be responsible for the balance even though I provided an identity theft victim report along with a series of police reports ( SR22-7696 ). XXXX, {$1700.00} XXXX, {$1600.00} XXXX, {$860.00} XXXX, {$1300.00} Compliant ID : XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94901
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: 22 charges from XXXX - XX/XX/XXXX called them in early XXXX and today XX/XX/XXXX. They said it was a known scam and they would take care of it. Got an bill on an account I did not open called them and said their visa nothing they could XXXX me to XXXX
Company Response:
State: ME
Zip: 04106
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act my rights have been violated : 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Following Letter was sent to XXXX by certified mail on XX/XX/2023 and was received on XX/XX/2023. NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX and XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! APPLE CARD/GS BANK USA XXXX 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 1681s3 of this 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 ) ( Goldman Sachs Bank USA ) Making the report is NOT INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ Goldman Sachs Bank USA ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s [ APPLE CARD/GS BANK USA XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX Furthermore, on XX/XX/2023 I spoke to Customer rep XXXX. I was told that by having they card it was implied that they will report to the credit bureaus even though it is illegal. They also said that will not remove the utilization and to go ahead and file a report if I wanted to.
Company Response:
State: NY
Zip: 11429
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I had 2 charge disputes in progress, 1 of which the company claims is/was a reversed charge when it wasnt. Also, I had dozens of fraudulent charges on my account that were declined by the company, but they refused to do anything about it for me other than change the card number. With the above information said and done, the company had put a freeze on my account AFTER I had made a payment equaling XXXX of the balance last XXXX, the XXXX. I wasnt aware of it until several of the monthly recurring charges/payments I had designated to the card were all declined. I immediately contacted the company, but it took at least 3,4 hours to reach a real person. I explained the situation to them and the supervisor, but they REFUSED to lift said freeze despite the situation of my monthly recurring payments, as well as being a XXXX person on fixed income. I closed the account, I was that disgusted with them.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a money market savings account with Marcus by Goldman Sachs over a year ago and have been depositing money with no issue. This week I had to make two transfers out of account in order to pay taxes and Marcus locked the account. When I called to have the account unlocked, they refused to do so and now I have NO access to over {$80000.00} of MY money. I have called several times, sat on hold for over 30 minutes while they " read the notes on the account ''. Marcus by Goldman Sachs needs to return MY money.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a XXXX payment on my apple card who is managed through Goldman Sachs. They put a hold on the payment for 1/3 of a month ( 10 days ). When I noticed autopays declining I called and their Tier1 could not release the hold. The supervisor XXXX who called me from Customer advocacy said she could not either and refused further assistance claiming no one would help me. I asked for her manager/ next level leadership and she declined any identifying info for accountability or to pass me to her boss.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A