Date Received: 2023-02-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Marcus by Goldman Sachs froze my account in XXXX, and after I spend hours on the phone while they verified my other accounts and identity, they then closed my account on the XXXX of XXXX. I was told during that phone call that they would be sending all of my money back to me. Almost a month later, I have received not a XXXX. I owe them absolutely nothing. I would like my money returned.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2023 I cancelled an Apple Card 's auto-pay payment ( XXXX 's bill {$2500.00} ) from my closed bank account.and Apple Card charge me {$46.00} interest at moment! Then I Payed the whole bill {$2800.00} from my another bank accounts! But on XX/XX/2023 Apple Card charge me {$2500.00} on my bill again! and the Apple service told me the bank reverse the payment amount that was canceled it increase my Apple Card balance, and asked me to pay this amount bill again!
Company Response:
State: MN
Zip: 55432
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I would like to report a fraud that occurred in the month of XXXX, On XX/XX/XXXX, I received a copy of my credit report and became aware of a late payment for my apple credit card, I received a call around XX/XX/XXXX, from a representative from Apple Credit Card Services that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX dollars and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of Apple Credit Card services and the money order I wrote was directed to an unauthorized place i would like to make a police report inregards to the fraud call made on behalf of apple credit card services which took my money for my credit card payment and funneled it to another location this needs to be documented and reported so it dont happen again I received a call around XX/XX/XXXX, from a representative from Apple Credit Card Services that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX dollars and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of Apple Credit Card services and the money order I wrote was directed to an unauthorized place I am writing to request that the late payment of 30 days or more be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of the late payment. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you take the late payment off my apple credit card histoy and make a adjustment to remove the late payment for the month of XXXX and XXXX due to fraud and no fault of my own, i have never been late on any of my credit cards or any other commitment i have finacially. I also filed a police report to state the crime that was committed for taking my money and representing themselves as your company. Thank you for your consideration, and I hope you'll approve my request
Company Response:
State: NV
Zip: 89408
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a saving account with XXXX by Goldman Sachs. On XXXX XXXX, I transferred some money into it and opened a new account with XXXX bank on XXXX XXXX. Then I want to transfer the money to fund my new account. XXXX refused to transfer my money and wanted to keep it in their company showing no policy or regulations that I can not transfer in and out fund in 10 days.
Company Response:
State: MD
Zip: 21009
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
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: On XX/XX/2022, I purchased a truck accessory from a company advertising on social media for a vehicle I had just purchased, and as part of a larger plan to establish self-employment income and reduce my reliance on disability. The rack was advertised by XXXX XXXX, who is owned by XXXX XXXX XXXX XXXX of XXXX, NY. I was primarily searching for a rack capable of carrying a few hundred pounds above the bed for longer materials or recreational equipment, and built in storage to expand the range of tools I could bring with me when I could begin working for myself. I selected this XXXX XXXX rack and cargo chest combination because the customer service team was very responsive pre-purchase, and because it was advertised as being capable of carrying a 350lbs dynamic load or hold a 700lbs static load with tonneau brackets. This is at just 51lbs weight for the rack itself. That performance for the weight was what led me to believe the high cost was justified. Seemed too good to pass up. Possibly, too good to be true in hindsight. XXXX offered discounts that I qualify for and they are an American business advertising American made goods that are advertised as made with local, American materials from Western New York. I also purchased their cargo chests for the rack which were advertised as weather-resistant and shown as good storage for a wide variety of items. These boxes show no attempt in any way to make them weather resistant. For one, the sides overlap the top panel of the box ; there is a reason the roofs of our homes extend past the walls. Every hardware penetration in the box is open. No nylon washers, no rubber, no gaskets. The panels are all joined metal-to-metal, and when fully assembled, the boxes keep out very little moisture or dirt. Light is visible between the door and body of the cabinets. The lids are affixed to the boxes using painted, basic 3-hole hinges. These were attached with bolts and nuts for some reason, which leaves raised hardware exposed on top of the boxes. The latches and lock for the boxes are not labeled for outdoor use, nor are they weather resistant. The option from XXXX XXXX is considerably more expensive than competitive products I had been considering like ; the XXXX XXXX Series Aluminum rack, XXXX truck bed boxes ( not available at the time ), and various options available from the dealer. One of the reasons a significantly higher weight capacity was not attractive ; the truck would be an earlier limitation on total payload than the rack. It became apparent almost immediately upon using the rack, that it would not be capable of meeting any claimed performances. It was obviously dangerous to continue its use. After a particularly bad experience with one of the first loads of lumber I carried, I contacted the company to relay my experience and ask if they would take the rack back. The company has a strict zero return policy ( I now see why ), and was generally combative and dismissive in their initial response. I decided to pursue a chargeback through my credit card provider ( Apple Card via Goldman Sachs Bank ), as this seemed to me like a clear case of someone trying to sell overpriced goods to under-educated consumers online. I requested a chargeback based on the product being far below the expected quality based on the companies description and product pricing. Goldman Sachs Bank initially sided with the seller based on criteria that seemed unrelated to my claims. The seller provided some token responses to my claims that can be summarized as " nuh uh! '' There was no evidence provided by the seller to refute any of my points. In some cases, their responses contained provable falsehoods, like their cargo boxes being made " weather resistant ''. They relied primarily on their success at preventing any previous returns to justify preventing a refund on this purchase. I offered a few times to work with the seller while simultaneously working with Goldman Sachs Bank to cancel the transaction. Communication from XXXX XXXX during this process was at times combative and dismissive. There were instances peppered in of polite service as I tried to salvage some usability from this product. At one point, the company implied I would not be able to pursue any warranty claims, despite the product being within their warranty coverage. I forwarded this to Goldman Sachs Bank as evidence the seller is not upholding their end of the purchase. They have reached the same conclusion two additional times, despite more and more evidence that the company is not responding to me and has preemptively denied me warranty service. I sent a final attempt at communication to a different employee at the company whose social media showed them to be a current employee at a senior level. In this communication, I provided a clear case for what I was trying to accomplish. I shared a substantial amount of evidence showing failures of the product, and offered to concede the cost of shipping for a partial return. This was met with zero response. I forwarded that communication to GSB, along with a written summary detailing my experience to date. I included communications from the seller, and accounts from other customers who had also noted the rapid failure and seemingly dubious claims made by the company. Many of these accounts from other customers documented examples of where XXXX had clearly chosen lowest-possible-cost options in production that led to almost immediate failure of either parts of products or entire products. It is important to note here, that I have repeatedly offered throughout this process to provide video evidence to GSB, as seeing the product in motion makes it abundantly clear that this is not what it is claimed to be. Again, my request for a chargeback was denied with no specific responses to my evidence or summary given. Just the same exact response I had received the previous 2 times. Whenever I requested evidence regarding the request ( all three requests in total ), they kept sending the same initial response from the seller, which was primarily baseless dismissal of each of my documented problems with the product. When I was calling to discuss options that might lead to a resolution, I did mention filing a CFPB complaint as my planned next step. The representative on the phone quickly transferred me to a manager, and they began a sort of scripted phone process that seemed to lead nowhere ultimately. It concluded with the manager informing me that my appeal had been re-opened. As of time of writing this, it has not been re-opened and I have not been credited. I believe that GSB is choosing to deny a legitimate complaint simply because they can. I do not believe they have fairly addressed my claim, and their limited forms of evidence accepted are preventing a more convincing contest of this charge. Goldman Sachs Bank has established a recent history of denying customer claims despite their legitimacy and veracity. I wish I had researched more before doing business with them. I want other consumers to know about the experience I have had with this seller and Goldman Sachs Bank. I hope that, should this be made public, any readers have found it informative and chose not to do business with Goldman Sachs Bank until they change their behavior toward their customers. In addition to this complaint, I have submitted a request for assistance from the NY State AG 's Office in dealing with the seller.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
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: Goldman Sachs is repeatedly closing and ignoring my disputes and failed to resolve 3 transaction disputes on my account by incorrectly claiming that " my account already received a credit from the merchant for the disputed amount. This closure is without merit as Goldman Sachs appears to be mixing up to unrelated credits which were refunded to my account for 2 other separate transactions. In total I was to receive 7 credits from this merchant, as of today I only received 4 credits, with 3 still missing. During this process Goldman Sachs has already wasted almost a year and neglected this matter without an end.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Opened a 12 month CD on XX/XX/XXXX and it was funded for {$5000.00} by a transfer from an external, verified by Marcus, savings account at XXXX XXXX. The funding occurred on XX/XX/XXXX and I saw the XXXX in my MarcuXXXX account that night. On XX/XX/XXXX I tried to log into my account to open a second CD. My account was locked. I spent hours on the phone with Marcus customer support people. They told me both my CD and my credit card had been closed, but for safety reasons they would not disclose why that happened. They refused to tell me how/when I would get my money back. I waited until the weekday, business hours to call again to get my money returned. Many hours of time with numerous reps who were totally unhelpful and frequently dropped my calls while I was on extensive holds. I was finally told my money would be returned to my external account in 8 to 10 business days. That never happened. On XX/XX/XXXX I called again and after more time, more hold etc I was told by XXXX my money would be returned in 1 to 3 business days. That never happened. On XX/XX/XXXX I again called and spent more time ( same story ) with XXXX who after many holds was able to help me. She said the money could not be returned because they could not verify my external account, the very same account they took the money from. At one point I was on a conference call with XXXX, XXXX, myself and a rep from XXXX to verify I was the owner of the account the money came from and was to be returned to. XXXX then verified some info, read me a legal paragraph basically confirming the amount, date of transfer etc. I then asked to speak to a supervisor and was transferred to XXXX. She confirmed XXXX had closed the account correctly and told me she would accelerate the XXXX return and I should check my account that night XX/XX/XXXX. Its now XX/XX/XXXX and I still do not have my money back. I do not even care their reason to close the account. I simply want my money returned to me. I am closing my Credit Card with Marcus, and after the return of my CD money i will close my Marcus account. I want NOTHING to do with Marcus going forward
Company Response:
State: NY
Zip: 12065
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
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: My card was at a XXXX balance with the exception of an installment plan of XXXX XXXX/month for an apple watch. I made a purchase of {$40.00} ( XX/XX/23 ) and payed {$40.00} to the balance two days later ( XX/XX/23 ). When the installment was added of {$11.00} my balance was {$50.00}. It seems as though my payment was not credited and Goldman & Sachs ( Apple Card ) has determined that all is correct and I have to make another payment of {$40.00}. They have not proved to me that the payment of {$40.00} was post to my card and have closed out my dispute. I have requested they open a new one. I hope to hear back form them soon but this should have been resolved the first time.
Company Response:
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
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 had fraud on my account and my account was hacked which resulted to an investigation, after calling multiple times to get a status update and hopefully pay the existence balance I was told that I would be contacted after the investigation is done and I was told this XXXX times within a month. But unfortunately they still reported a missed payment on my credit report and saw a drop of up to XXXX points when I was not contacted or given a chance to make the payment. After contacting the credit card company they promised to fix it but after more than XXXX days later nothing has been done.
Company Response:
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Several months ago, Capital One sold their interest in the credit card I had with them To XXXX XXXX XXXX. I unintentionally sent a payment to Capital One instead of XXXX, the current holder of my account. You can see the check below, as I attached it. I have contacted Capital One, and they will not help. I have contacted XXXX, and they will not help. It was mailed on XX/XX/XXXX, cashed by CAPITAL ONE on XX/XX/XXXX. It is XX/XX/XXXX, and that money has not been forwarded to XXXX or returned to me. No one at either company has confirmed having it, or helping to understand where it is. No accountability.
Company Response:
State: NJ
Zip: 08844
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A