Date Received: 2023-03-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I've asked all 3-credit bureaus to do a thorough investigation on all of my accounts in which they did, and they have stated everything was accurate. I then reviewed the reports on my own and discovered that there are still improper inaccuracies on my XXXX, XXXX and XXXX credit reports. The account and payment history that I found to be inaccurate is : Goldman Sachs Bank USA, Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX These accounts do not belong to me. I have notified all 3 Credit Bureaus of this and asked that it be removed entirely from all 3 of my credit files, which they refuse to do. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number ending in XXXX has violated my rights. 15 U.S.C 1681 section 602 A states that I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. Apple Card/GS BANK USA Account XXXX. XXXX, XXXX Below are the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 U.S.C 1666B : 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: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I couldnt find any way to close my account on the Marcus by Goldman Sacks website. Then I spent several hours trying to close my account by phone. The first person I talked to said the account couldnt be closed because I had recently updated my email address on their website. The next 2 people I talked to said someone would have to call me back and Id have to give them a one-time 4 digit PIN. The first time, I was told someone would call me as soon as our call ended. They didnt call. I called back after over 30 minutes. After being put on hold 3 times, I was told again that someone would call to ask for the PIN but this time it would take 20 to 30 minutes for them to call for the PIN. There was no call back for several hours. I cant hang around for hours and keep my phone line open waiting for Marcus by Goldman Sacks to call. They also require me to be at home to sign for the check sent via USPS. That would certainly be another delay. Seems clear that this is a runaround to avoid closing a CD thats paying only a third of a percentage point interest.
Company Response:
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Goldman Sachs Bank , U.S.A. has erroneously accessed an interest charge to my account and has given me the run around in removing.it from my current account balance. I have called multiple times to no avail. I have also initiated a dispute of this charge via chat, to no avail. It is a clear error if you review the credit card statements which state on the upper left side of the statement ( underneath the monthly balance ) that " If you pay your monthly balance in full every month, you will avoid being charged interest ''. My monthly balance due in XX/XX/XXXX was {$1000.00}. That amount was OVERPAID ( in full ) by the due date XX/XX/XXXX as I submitted a payment in the amount of {$1100.00}, yet I was still charged {$15.00} in interest on XX/XX/XXXX at XXXX ET. Payment was processed and payment confirmation email was rec 'd ( by me ) at XXXX ET. The representative via chat quoted the above was as a result of " trailing interest ''. However, that does NOT apply in this instance as for XXXX ) I was not accessed ANY interest on this card in the ENTIRE Year XXXX ( see page XXXX of XXXX of the XX/XX/XXXX statement which shows interest paid in the Year XXXX = {$0.00} ) and XXXX ) I paid the XXXX XXXX monthly balance of {$1500.00} in FULL by XX/XX/XXXX ( I was also still accessed an interest charge for XX/XX/XXXX, but the cc issuer ( Goldman Sachs XXXX has since credited that amount back to my account. The remaining amount of {$930.00} owed on this account was sent & processed on XX/XX/XXXX. The correct, current monthly balance should be + {$1.00} and needs to be adjusted accordingly and expediently. Attached are copies of all impacted statements along w/ a full account summary, in table format, which outlines ALL transactions, remaining balances, payments, etc.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
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 opened an Apple Credit card on my XXXX. The phone was stollen. I called my Apple Card customer service number at XXXX and explained what happened. I asked for the card to be closed to avoid any charges from being made on my card. I asked for the balance on the card to be transferred over to a new account under my name so I can pay off the balance. I was informed that the only way I can process payments is by 1 ) giving the customer service representative my card information over the phone so they can process the payments 2 ) sending payment to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ). I did not think that was safe and the exchange seemed fraudulent. 3 ) Login to the account and pay through there. I was at the time unable to login to the account because OTP code was being sent to the stollen phone. I called Apple and resolved the matter and was eventually able to regain access to my account. Once I had access, I logged in and paid off the balance. There was a pending payment, I tried o log in after a period of time to confirm the payment processed through and instead found I could not log in and was asked to call the number above. I called the number. The customer service person I spoke to said they could not see anything on my account regarding the lock and transferred me over to Apple services. Apple noted they could not see the lock on my account and that it has to be an issue on Goldman Sachs end and transferred me back. After 4 hours on the phone, I was informed that the reason I could not log into my account is because I had paid off the balance and therefor the account is unavailable for me to login to. I was informed that there is an installment on my account and asked to payoff the installment amount. I issued verbal consent for the card on record to be used to payoff the installment balance on request. After I was informed that my account has been paid off ( the balance on the card is XXXX ) and closed. I was sent an email stating as much. A week later, I tried to log into the account on a whim and was able to successfully log into the account - which I was previously informed was unavailable for me to log into because the account is closed and the balance paid off in full. When I logged in, I discovered a new balance, even though the card had been paid off and the account closed months prior. I paid off the amount, called the customer service number above to try and get an explanation about what was going on. Since I've been paying off the card for months only to have " new '' charges appear even though the card has been closed and I had informed customer service that the phone linked to the card had been stollen. The agent I spoke to informed me that the balance showing up on their end was significantly less than the balance that I was shown- and paid again. I asked how that was possible and she noted she did not know and would look into it. I asked to speak to a manager. I was transferred to a manager who asked for my first name, last name, birth date, and phone number linked to the card ( prior agents asked for the last 4 digits of my social as well ). After some time on the phone, the manager informed me that they would open an internal investigation into the matter since I had been informed that the card was paid off the installment linked on the card had been paid off and my bank account statements show the transactions withdrawn from my card for the referenced charges but the charges somehow remained on my account in their systems. I asked the manager to explain why is it that I was charged - can verify the withdrawals occurred in my bank account - and yet somehow the payments were not applied to my credit card balance/installments? I asked where were the payments I was charged for processed? She did not provide an answer and instead told me an internal investigation will be opened on the matter.
Company Response:
State: MA
Zip: 02121
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Ive applied several times for the opportunity to have a card with this company. Every time I get denied. I make a total earning of XXXX with a fair/good credit.This is highly unacceptable! Especially when i recruited half of my family and friends to apply and receive their cards.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Marcus online bank accepted money transfers from my personal savings account after verifying my account. Then I tried to get money transferred to a linked account and they transferred all my money back to the original account without adequate explanation. They credited the appropriate amount of interest to that account at Marcus and when I tried to transfer money out of my account again they locked their account preventing access. They have no problem accepting my money but seem to put up roadblocks any time I try to get some money back. Unethical behavior for an fdic insured institution.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: I called my bank and asked them to do a balance transfer on my Apple credit card in the amount if {$2600.00} on XXXX. The transaction was processed on XXXX yet the transfer did not reflect on my Apple credit card. I called on XXXX to find out why. The representative told me to wait a few more days for it to post. I called again on XXXX since the credit still has not posted. The representative told me Apple does not support balance transfers. She filed an internal complaint on my behalf and told me it could take anywhere from 10 to 30 days before anything happened. It has already taken nearly a month and Apple has still not applied the credit to my account. Because of that I am still accruing finance charges and having to make monthly payments on a balance for which funds were received. Yet in order for the transaction to have posted to my lower rate credit card with my bank, Apple had to have received the funds. How can my bank send them payment for the debt and Apple accept the monies and still collect finance charges and payments for it???
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/, I made a payment in the amount of {$1200.00} and this payment got held. I totally understand the reason that this payment was held due to me making an unusually high payment. I would make a comment that prior to this payments like {$25.00}, {$75.00}, {$100.00}, {$120.00} were not placed on hold. Now no matter what, this bank is holding payments, which makes no sense to me. I have spoken to representatives that state the reason that payments are being held is that of payment cancellations, but that is false, because I never started truly cancelling payments like I have recently when I noticed that everything was going to be held for not even 7 days but 10+ days now. I understand this if I bounced a payment, but seems like these XXXXXXXX XXXXXXXX can't trust they will get money themselves while they line their own XXXX pockets. I feel like this is an advantage to continue collecting additional interest on my account. My account needs to be returned to credit payments same day, as this is I think extremely unfair that now these people arbitrarily do whatever whenever however they feel and DO NOT inform the borrower. I think that credit card companies if they are holding payments need to explain to the consumer how come and when it will be released. They do not do this. It is biased and somewhat racist.
Company Response:
State: IL
Zip: 60654
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2023 : GM credit card account ( Goldman Sachs ) was opened by someone using my ID information. {$7800.00}. was charged to the card. The issuing bank ( Goldman Sachs ) fraud detection algorithm recognized this account ( and others ) as fraud and immediately closed the account ( without contacting me ). Account was closed by issuer ( Goldman Sachs ).
Company Response:
State: NC
Zip: 27516
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A