Date Received: 2023-02-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: AppleCard, Goldman Sachs Bank received payment on the XX/XX/2023 via the electronic-funds Transfer act in a form a of a 1099 A. The liable party, their Indenture Trustee receive the 1099 A, on the XX/XX/2023, he is responsible for my accounts notes. The Company and XXXX XXXX XXXX accepted the an over-payment of {$30000.00} certificate of indebtedness on the XX/XX/2023, covering the owed amount - {$2700.00}, however my account has not been reflected. Reference Number XXXX INDENTURE TRUSTEE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX Furthermore, Goldman Sachs has suspended my account which is in direct violation of 12 CFR 226.10 - Payments. Which is specified in the terms and condition that they accept nonconforming payment. ( 4 ) Nonconforming payments- ( i ) In general. Except as provided in paragraph ( b ) ( 4 ) ( ii ) of this section, if a creditor specifies, on or with the periodic statemen t, requirements for the consumer to follow in making payments as permitted under this 226.10, but accepts a payment that does not conform to the requirements, the creditor shall credit the payment within five days of receipt. PER THE LAW they have 3 days to conform. The Company also violated the XXXX XXXX Compliance, by reporting to third- party, Non-affiliated reporting agencies such as XXXX XXXX XXXX XXXX XXXX. In addition, they violated 12 CFR 226.11 - Treatment of credit balances ; account termination.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Included is a list of accounts that were opened in my name fraudulently ( company and amount ) : XXXX XXXX ( hard inquiry ) XXXX XXXX XXXX {$9900.00} XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX {$13000.00} XXXX XXXX {$9100.00} XXXX XXXX {$5000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX {$540.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$120.00} These accounts are a mix of credit cards, collections, and utilities. I did not open or have any knowledge of these accounts
Company Response:
State: IN
Zip: 47130
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: PLEASE MAKE THIS INFORMATION PUBLIC. Attach is the screenshot showing illegal double charges by AppleCard. Several unsuccessful attempts have been made to solve this illegal charge. Complains were file with the CFPB. AppleCard started to act after several complaints were filed with the CFPB. It appears Apple Card is in the habit of illegally overcharging the customer
Company Response:
State: MN
Zip: 55414
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Late last year, Apple credit card pulled a hard inquiry on my credit and issued me an Apple credit card. I did not request this credit card, so I contacted XXXX about this matter. Apple credit card closed my account and stated to me that they noted my account was closed because they could not verify that I requested, authorized, or applied for this credit card. I believe this credit card was requested by an XXXX store agent, without my authorization, when I purchased a new iphone. I believe this because the agent signed me up for several other offers that I did not request. These matters have been resolved with XXXX. Regarding the hard inquiry, the XXXX representative told me to contact each credit reporting agency to request that the hard inquiry be removed from my credit report. XXXX will be reporting this account as closed due to unable to verify that I applied for the credit card. Thank you for assisting in the removal of the hard inquiry with each agency.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have now, for the second time, made a transfer of funds from my high interest savings account with Goldman Sachs to another financial institution and they have reversed the transaction without approval or consent from me both times. They are not releasing my funds as instructed, and cited insufficient funds the first and second time, while the amount requested by me to be transfer was in my account ( plus some ) and not at all accurate on either occasion. At this point I have called them twice about this, have done an authorization phone call with both financial institutions on the line, and they still are not releasing my funds to me as requested and costing me now 2 weeks of interest at a 1 % interest rate difference that I have now lost due to this.
Company Response:
State: CO
Zip: 80919
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: During the month of XXXX of XXXX I noticed that the wallet application of my XXXX XXXX showed a message indicating that payment was due on XX/XX/XXXX. I normally pay my prior months charges in full before or on the due date in order to avoid finance charges. Prior to me seeing that message I had paid at or before the last day of the month for about XXXX years. I figured they had changed their due date to be the XXXX of the month so I went along with it and waited to XX/XX/XXXX to make the payment. To my surprise they had charge a finance charge of {$71.00} to my account by then. I immediately called and even sent them a screen shot of the XXXX app showing now a due date of XX/XX/XXXX. They promised to look into it. A few weeks went by and I noticed the message was no longer displayed on the XXXX app. My guess was that they fixed the problem. I called again to inquire about my reversal of the finance charge but they stated that they only had a technical complaint about the XXXX app but not a dispute of the finance charges. I immediately logged a dispute but it was denied about a week later stating that no error had been made on their part and that the finance charge would stay. I have included a screen shot of the XXXX app as it was showing a due date of XX/XX/XXXX the same day I called them which was on XX/XX/XXXX. If I were to follow those instructions I would be changed finance charges again.
Company Response:
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: opened a savings account yesterday afternoon successfully, but couldn't log in today... website saying " temporary locked ''. Called their CS and verified all my personal infomation, been hold for more than 40 mins and then they told me my account has been permenantly closed, no reason explained! What an excellent bank! Well done!
Company Response:
State: CA
Zip: 91775
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This matter concerns the Consumer File or Report of XXXX XXXX XXXX ( of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) found with XXXX & XXXX and no other matter. The following dates are instances where Goldman Sachs accessed or otherwise requested or purchased the consumer report without permissible purposes or written consent from the consumer. Pursuant to 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports, the following transactions were not authorized by the consumer via written or other consent. XXXX GOLDMAN SACHS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDMAN SACHS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDMAN SACHS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE GOLDMAN SACHS GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I trusted Marcus with the {$360000.00} in savings to buy a home. They've held my funds XXXX for more than a week and I am at great risk of loosing the house from inability to close. I've have been requesting a wire transfer from Marcus since XX/XX/XXXX, and it's now after hours on XX/XX/XXXX, I'm still waiting. I've been calling every day and they can only tell me it's pending or run me through a few more hurdles of verification steps. I've done more than half a dozen iterations of security verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've spent nearly a dozen phone calls and almost XXXX on the phone ; I'm currently on hold again with them again, XXXX XXXX and counting. It seems like they are deliberately holding my funds hostage. They said if I was to cancel my account it would take them longer, so I just need to keep going through this waiting game on their authorization of a wire transfer. 8 days and counting...
Company Response:
State: WA
Zip: 98604
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Marcus ( Goldman Sachs ) reversed ACH transfer in the amount of {$120000.00} that I initiated from my savings account XXXX to my linked checking account at XXXXXXXX XXXX on XX/XX/2023. The official answer why my transfer was reversed is because " the hold times on the phone at XXXXXXXX XXXX are too long. ''
Company Response:
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A