Date Received: 2023-02-12
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I had an Apple Credit Card in my name in good standing, but a fraudster called them and requested a physical card in my name even though current one I had wasnt expiring till XXXX card was delivered in my name at location in XXXX, XXXX got XXXX from UPS your card is delivered on XX/XX/2023 at XXXX. When I tracked the number I saw the above address. I called the card service and asked them to freeze the card. They did that and gave me the new XXXX number. A week later I got an email from Apple Card that your address is updated. Again I did not request a change of address. I looked at my virtual card profile, it was changed to another address in XXXX of XXXX XXXX without me asking for it. I had to cancel the card. I am wondering about Apple Card security. How easily they would change addresses without vetting the caller.
Company Response:
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to express my concerns about the due date and time zone difference issue that I recently encountered with my Apple Card account. I believe this issue may have resulted in an overdue payment and an associated interest charge, despite my efforts to make timely payments. As a loyal customer of Apple Card, I was disappointed to learn that the due date of my monthly payment was based on the Eastern Standard Time ( EST ) time zone, while I live in the Pacific Standard Time ( PST ) time zone. While I understand that this information is included in the terms and conditions of my account, I feel that it is not sufficiently highlighted or emphasized in the payment interface or other account notifications. As a result, I mistakenly assumed that I had until midnight Pacific Time on the due date to make my payment, and was surprised to find an overdue balance and an associated interest charge on my account on XX/XX/2023. I have attempted to resolve this issue with the Apple Card customer service team, but have not received a satisfactory response. I am disappointed with the lack of transparency and accountability in this matter, and I feel that this issue could have been easily avoided with clearer communication and a more user-friendly design. Apple Card customer service referred me to Page 10 on the terms and conditions, but they should label it more specifically at the beginning. I am really disappointed.
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: l, the consumer and natural person, was denied credit by GOLDMAN SACHS BANK USA when I applied for an APPLECARD on XX/XX/2023. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 88 Stat. 1522 [ 15 usc 1691c ] and is pursuant to civil liability under 91 Stat. 881 [ 15 usc 1692k ]. I was discriminated against by GOLDMAN SACHS BANK USA due to the response I received. GOLDMAN SACHS BANK USA is in violation of 84 Stat. 1126 [ 15 usc 1642 ], 84 Stat. 1133 [ 15 usc1681m ] and 12 cfr 1002 because l, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of GOLDMAN SACHS BANK USA and is in violation of 84 Stat. 1126 [ 15 usc 1602 ( p ) ].
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: II have XXXX different account with Marcus XXXX saving and XXXX CDs. I have been trying to get my accounts closed and my transferred back to me since XXXX XXXX XXXX XXXX I was told, the account is closed but the closing process will take about 5 to 7 days and I should have my money back by XX/XX/XXXX XXXX I called back in XXXX, I was told, the account actually did not close in XXXX, it was closed XXXX XXXX and it will take 30 days for the process and for me to get my money back. I called back Monday XX/XX/XXXX, I was told account was still not closed. I once again initiated the close request wend through the verification process etc. I was told, I will have my Money by next day, since we completed the process prior to XXXX XXXX I called back on Tuesday XXXX XXXX : I was told account is still not closed as they needed some verification from my other bank ( i stayed on a XXXX way call with Marcus and my bank till all information was verified ). Then Marcus said, they had everything now and I should have my money in XXXX to XXXX business days. Friday XX/XX/ : still no money : I called back and now I am being told that they dont have any timeline for the closeout process and once they have completed their process I will get my money. They can not say how long it will take.
Company Response:
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a Home Depot credit card that advertised " 6 months to purchase everything for your project '' with " No interest if paid in full within 6 months on purchases of {$290.00} or more ''. I received an approval letter that stated " Congratulations. You've been approved ''. It wasn't until I started receiving statements, that I realized I was being charged interest and the approval letter was not for what I applied for but rather a loan with a fixed rate of interest with no 6-month promotion. I contacted XXXX/GreenSky ( the lender/servicer ) for the account numerous times to resolve this to no avail. I keep getting charged interest and can not get the minimum payment that is due without interest on my statements.
Company Response:
State: WA
Zip: 98367
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I received an email from Marcus by Goldman Sachs in XX/XX/XXXX, stating that my savings account has been closed. It took me three calls into their Customer Service Department to find out WHY this happened. Once I learned of the issue, I take full responsibility for why it was closed. However, I have called into Marcus multiple times to get my money back, starting in XX/XX/XXXX. In XX/XX/XXXX, I sent in an affidavit of identity because I had moved apartments so that they could send a check to my new address with the funds. I verified they had received that on XX/XX/XXXX and were reviewing. I was told I would receive a call. I did not receive anything. On XX/XX/XXXX, I called in again and was told that a new Work Item would have to be opened from this call, which could take 1-3 business days. I was told I would receive a call. I received nothing. On XX/XX/XXXX, I called in again. This time, I was told that it was NOT possible for a check to be dispersed, and that my notarized affidavit was a wasted effort and three weeks that I could have been following up. I paid {$4.00} for this. From the XX/XX/XXXX call, I was also told that my account was in the process of being re-opened so that the funds could be moved there. I am not sure why this process has taken XXXX months, and all I want is my funds back.
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I've tried several times to transfer money from my Marcus Savings account to my external bank account which are both in my name. When attempting the transfer via the Marcus app, I get a message saying that I need to call Marcus Goldman Sachs to do the trfr. When I call I'm told someone from another dept will return my call. They never call back. I called again they asked for an alternative number to reach me I gave ( XXXX ) XXXX They did not call that number. I was told by the Marcus rep that the number they called was a number with an area code ( XXXX ) it appears they are calling random numbers not associated with me. I don't have a number with a ( XXXX ) area code. I hope Marcus is not calling random numbers asking for me or discussing my account when they call random telephone numbers. The area code they called is in another state. I live in XXXX They also said my ( XXXX ) XXXX XXXX was not a number in my name which it has been in my name for almost 15yrs. I'm not sure what type of hold they have on my account or why but it is not allowing me to access my funds. At this point I want to close the account. Additionally I can't access the statements on my account.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have had an Apple Card for 3 years and have always paid my balance in full every month and have had to any interest. In XX/XX/2022 I was looking at my transaction page and saw where this merchant which I knew had charged my card multiple times on that day I was checking it. I am talking a lot of money. I right then got in touch with the merchant and notified Apple Card. I have to be honest I am terrible at checking my monthly statements but I had noticed that XXXX and XXXX my bill was high but just thought I needed to slow down on spending. I checked the previous 2 months and there were numerous charges from that same merchant. I then turned them in also. I am talking over 70 transactions and thousands of dollars. It was a 4 month ordeal and they were all ruled in my favor. Apple Card has not credited my account with all the charges to this day. I have all the dispute transactions in my favor. I did have to dispute most of them a second time. On Monday morning XXXX XXXX, I got an email telling me my account had been closed for not following their agreement. I called them and they said read your email. I said why would you have done that. I pay my bill every month. Oh and they had just given me a XXXX line of credit raise.My credit line was {$37000.00} after the increase. There is still a XXXX balance but I know if they would had posted all the charges that I won in my favor they would owe me. I asked them if all the disputes were complete and they told me no and I said how can to close my account and I know you have not credited my account with some that I won. I have figured there is about {$10000.00} worth that had not been credited to my account. I have all the resolved emails, snapshots of my account and the ones they have not credited me. When I asked how many disputes were still open, and they said 12 and I said I dont know how you can close my account. I said well how do I know my balance will be the same and she said well there is only 3 left and its figured into your balance. That was a lie. They were trying to get me to pay off the balance on Monday and I almost did, but thought something is not right. I have all the chat messages also. I dont want their charge card anymore that dispute fiasco was a nightmare for 4 months. But I do want what is coming to me, I had payed for XXXX and XXXX and didnt catch it until XXXX, but at least it was at the beginning of the month. I have a credit score of XXXX and I dont want it to be destroyed from this. I did nothing wrong but dispute fraudulent charges!!!
Company Response:
State: IN
Zip: 478XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This morning, XX/XX/2023, I received an email from Marcus by Goldman Sachs, that my GM business card account has been closed. I did not ask for the account to be closed, and to my knowledge, I did not violate any terms of the card account or rewards program. So I called them to ask why my account was closed because the email they sent me gave no reason. They did not provide me with a reason. They said they would investigate the account closure and get back to me. Six hours later I read an email from them saying that the account was closed properly, again without explanation why. So I called again and asked for further information. They would not give me a reason why. I have accumulated over {$17000.00} of rewards that are good towards the purchase of a GM vehicle. Now, with the account closed by them, it looks as though all my accumulated, unused rewards are forfeited. I had no plans or intentions of redeeming those rewards within the next few months. I don't understand why my account was closed, and they would not provide me with a reason why it was closed... neither by email nor in the phone conversations I had with about six or seven different people there.
Company Response:
State: OR
Zip: 97330
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX a Billing Error Notice & Request to Refund all credit balances in excess of {$1.00} ( Pursuant to 12 CFR 1026.11 Treatment of credit balances ) was sent to Goldman Sachs Bank USA, which was received by the recipient on XX/XX/XXXX, XXXX XXXX ( USPS XXXX # XXXX ). To date the documentary evidence requested has not been provided namely the XXXX accounting entries showing evidence of an actual debt owed. The only thing received were the same statements which contained the billing errors to begin with. No correspondence or communication in response to the billing error whatsoever. Within the same notice a request to refund all credit balances in excess of {$1.00} was also included of which Goldman Sachs Bank USA has 7 business days to comply which it has not to date. Furthermore, on XX/XX/XXXX a Bill of Exchange ( valued over {$91000.00} and clearable within the US banking system and for presentment to the UNITED STATES TREASURY ) was mailed and received XX/XX/XXXX, XXXX XXXX ( USPS XXXX # XXXX ), to date payment has not been applied to account.
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A