Date Received: 2023-02-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I called Goldman Sachs to inquire about the 13 month payment plan because I had purchased a XXXX and an XXXX, but I was not given the choice to pay it off within 12 months interest free. During the call the agent stated that she setup the arrangement, but when I explained that I saw a credit for over {$2800.00} she replied by saying it would disappear once it was updated in the system. On approximately XX/XX/XXXX, I called Goldman Sachs to inquire about a $ XXXX credit on my account. I had been attempting to make a payment, but my app stated that no payment was due. I spent close to " 2 HOURS '' on the phone with Goldman Sachs. The first agent was completely clueless, he was making all sorts of noises on the phone and cold transferred me to another agent. She attempted to assist me, but has no idea as to what transpired with my account. I requested to speak with a XXXX, but y XXXX she was communicating with opted to have her relay information to me third party than to assist me themselves. After a little over an hour into the call I was transferred, but the person I spoke with was adamant that " NOTHING '' could be done for me & stated they once the XXXX payment plan was placed on an account there was no way to reverse it and the payments would be deducted from the credit monthly. I explained that his logic did not make any sense and no other company did that. He basically stated that I could not pay anything towards the remaining balance because o had a payment plan. I asked him to apply the credit towards the XXXX and that was also declined. This angered me because XXXX clearly knew that the agent I spoke with had no clue as to what he was saying because he made no sense. I asked him who was the regulator for Goldman Sachs and he could not answer that either. I opted to inquire about the payments because I am assisting my sister who is recovering from her XXXX XXXX within 15 months and her son had senior obligations I have been assisting with because her income is limited. On XX/XX/XXXX at XXXX I received a call at my place of employment. I asked them to call me back in an hour ; however, it was closer to XXXX hours. At XXXX an agent called me and I explained that I had returned to work and had a limited time to speak. During that call he mentioned that an error has occurred on my account and explained that he would submit a request to have it resolved. Ironically, the resolution was what I suggested during a XXXX call with customer service the prior week. What is ironic about this is I pleaded to have this matter resolved, but no one listened to me. I have since received notification from XXXX explaining that the balance on my Apple Card increased by {$2700.00} and my score DECREASED by XXXX points and this is beginning to sound like a UDAAP violation. This was not only an Unfair practice, it was also Deceptive and Abusive. I need it resolved immediately and I would like compensation for the unnecessary time spent on the phone as well as compensation for the negative impact on my credit utilization and score. On XX/XX/XXXX, I received another call stating that my request was still being worked on. I asked her if that was the reason for the call and she replied, yes. I can not make a payment as of XX/XX/XXXX. The balance on my APP is showing a credit of {$2500.00}. It decreases with every purchase. This credit should be applied to my actual balance, but no one seems to know how to rectify this issue.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I noticed a hard inquiry dated XX/XX/2023 thru XXXX XXXX that an application for a Marcus XXXX credit card from Goldman Sachs Bank USA was approved and issued out in my name. When I contacted Goldman Sachs thru their customer service department they informed me that an application using my personal information was used. Everything they used was correct to verify except my telephone number. Goldman Sachs refused to give me the telephone number used except the area code was an XXXX area code. I then informed Goldman Sachs to block my account but not before they charged {$1100.00} to the account. Goldman Sachs informed me I needed to file a police report. When I tried to file the report the police department informed me since there was no one specifically to report it would be a very vague police report. Goldman Sachs then directed me to get on identity theft.gov to generate a report which they will use to cancel account and I will not be responsible for charges incurred due to fraudulent identity theft.
Company Response:
State: TX
Zip: 78577
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I purchased an XXXX on XXXX online store using Apple Card. Total amount {$1000.00}, with a trade-in worth {$400.00} I was only charged {$690.00} plus taxes. Soon I returned the device and cancelled the trade-in, XXXX refunded me, on my card showing they refunded me {$690.00} plus taxes, still fine at this point. ( Attached please find the two monthly statements showing the charge and the refund ) Later Apple charged me {$400.00} for the cancelled trade-in. I asked them why they said they refunded me {$1000.00} plus taxes, not {$690.00} plus taxes on the date of return. They said if I only received {$690.00} plus taxes then there must be some issues on the bank side. Then they provided me a credit memo to back up their claim ( they refunded me {$1000.00} plus taxes, see the attached file ) I reached out to Goldman Sachs multiple times regarding this issue, although the customer service seemed to provide some help, it is never resolved eventually. Dispute was rejected and they are still overcharging me at the moment.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been an exclusive Apple device owner & user since XXXX, with no problems whatsoever. My troubles started after buying a new XXXX XXXX XXXX XXXX '' w/touch bar in XX/XX/XXXX. I made my first-ever call to Apple Support at the end of XX/XX/XXXX and had to continue calling more and more as I was implementing the troubleshooting instructions from the Apple senior tech experts. The Apple tech employees were all telling me, and I quote, " XXXX XXXX, I have never seen anything like this, so my conclusion is you have bad XXXX data, '' I was then instructed by several different Apple Senior Technicians experts to delete my current Apple ID and all its content and create a brand new one with a brand new password, fresh start. And, of course, we will not be recovering or restoring from any backup. I was readily willing to lose all of my data to get out of this rabbit hole I had been sent down. So that's what we did " 6 TIMES ' IN within XXXX XXXX. I would have a story of XXXX apple Id attempts, but I refused to do the same troubleshooting techniques over and over again, expecting a different result, but they certainly were. Long story short, I declined the last two Apple employees that were only willing to continue helping me if I deleted and started over again. I couldn't believe how rude and admit that they were to me. During this process, Apple 's tech employees managed to single handily destroy my XXXX excellent credit rating in 120 days. When I found out about this through a letter from Goldmann Sachs, I called Apple immediately, not even worried a bit because I knew Apple would quickly see that their senior technician made a mistake when giving full detailed instructions to me. I know he didn't do it on purpose, and he apologized several times over because he is only human and forgot to tell me some crucial steps before deleting my Apple Id. It's really appalling how clearly simple this one is. Apple got my Goldman Sachs Apple card " Closed By Creditor '' with no reason given because they had none. I have proof that my account was in perfect standing, and the first payment wasn't even due yet. I had only had the card for 3 months and used it one time at brunch for {$24.00} dollars ; with a credit limit of {$15000.00}. I was doing nothing more than following the directions from a qualified Apple senior tech employee. That one incident, of course, was reported to the three major credit bureaus, which raised a huge red flag in the system and caused all of my creditors to panic. Well, to say the least, the ripple effect from that literally took my credit score from XXXX to XXXX. XXXX XXXX XXXX XXXX credit limit was {$21000.00}. They automatically lowered it to {$6000.00}. I had only used {$5800.00} out of my {$21000.00} available. XXXX XXXX XXXX credit limit was {$30000.00}. They auto-lowered me to {$10000.00} *XXXX XXXX was {$2100.00} Auto-Lowered to XXXX ect Goldmann Sachs Has already admitted it was a huge mistake, they sent me a check for {$250.00} dollars LOL, and offered my card back with same credit line
Company Response:
State: MO
Zip: 63028
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
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 or about XXXX of XXXX I saw an ad for a place called the XXXX XXXX. After requesting more information the Sales representative contacted me for a XXXX meeting. He discussed the services provided and a challenge I could sign up for. While the price seemed high thinking I would be getting a personal trainer and could help me get to my goals before an upcoming trip I signed up. There are mandatory check-in meetings that you get penalized for if you do not attend. I went to one Yoga class and the check-in meeting. At that meeting the coach said the opposite of the sales rep. They were not there to motivate you and help me reach my goals in the way it was presented to me. At that point I was no longer interested in the service and due to poor experiences with dealing with gyms in the past I contacted apple card support and disputed the charges. I have been asked to get a letter from a third party to help my claim which I did. I submitted multiple letters I wrote explaining the issue and trying to get this resolved. I have even filed a XXXX dispute with no resolution. The XXXX was closed as it's still under review making it seem it would get resolved. Then today I get an email saying they have reversed the credit again and applied the charge back to my account. This has been going on over a year at this point and would like it resolved once and for all.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
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: I placed an order for a white hoodie on XX/XX/2022 with XXXX. After a few days passed since the order was placed, I did not hear back or get any update, so I reached out to the merchant, who confirmed that my order was getting prepared. I received a shipment confirmation with a FedEx tracking number on XX/XX/2022. On XX/XX/2022, I received the notification that my package was delivered. As I live in an apartment building, I attempted to retrieve my package at the reception where all packages are delivered, but the concierge was unable to find it. After searching everywhere in the apartment building with the help of the staff who work here, I reached back out to XXXX explaining that the package has not been received, even though the tracking number was marked as delivered. I asked them to reach out to FedEx for information that could help to retrieve the order, but the answer I received was " We see that this order has been delivered on XXXX of XXXX. ". Since I was still not able to locate the package and the merchant was completely unhelpful and unprofessional, I opened a dispute via the Apple Card customer service. As far as I am aware, when a dispute is opened, it should be investigated to find out what happened, but this is not the service I have been provided. I've been told conflicting information by representatives about how and why the dispute was processed, XXXX agent told me that the dispute was initially filed as I claimed to have not placed an order? I am able to retrieve most of the correspondence with Apple Card support, and this was definitely not the case. The dispute was resolved in the merchant 's favor numerous times. Every time I reopen the dispute, it is closed with the same outcome without any investigation. I receive the same folder of " correspondence '' from the merchant including my order confirmation and tracking number, which according to this credit card company confirms that the order has been actually delivered? I am not aware of the merchant ever reaching out to XXXX, definitely not when I requested them to, I am also not aware of any claims that have been made, which can only be made by the sender. Based on the documents that I received at least 5 times regarding this matter, I am also not aware of any steps that were taken by Apple Card support or the merchant to file the package as missing through XXXX, so that it can be either found or refunded. The merchant also didn't reship the item. I will not pay for an item that I have not received, especially when all of my timely requests were ignored by the merchant and Apple Card Support. This matter could have been resolved if the merchant would have been willing to cooperate and to do their job as the seller and shipper of this item.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Dear Sir or Madam, I am writing to request that you repay all the excessive charges that you have billed to my account from XX/XX/XXXX to XX/XX/XXXX I do not believe that these charges reflect the true transaction from Apple Card The charges total XXXX. Plus, as I have been unlawfully deprived of the money charged, I demand that all the interest at the statutory rate, which a court would award. Therefore, I request that you repay me the full amount ( XXXX plus any interest ). I have attached a full schedule of the charges and interest with this document.
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: The card in question was originally through XXXX XXXX with XXXX issues ever experienced. The card was transferred to XXXX through Goldman Sachs and has been nothing but issues ever since. I have repeatedly had to spend time dealing with fraudulent charges on a card that I NEVER even activated in the first place upon receiving the new card under the XXXX branding. Each interaction with the company runs me approximately XXXX minutes of my time. The card has NEVER been used for a personal transaction. My only interactions with XXXX have been dealing with fraud. On Monday XX/XX/23 I spent XXXX minutes on the phone dealing with Fraud. The representative had to call me back MULTIPLE times because of " system issues '' repeatedly asking me to verify my identity through a phone code. She said level XXXX fraud would be in contact with me to resolve the complaint. I requested a call after XXXX due to my working hours. On XX/XX/23 I received at least XXXX phone calls between XXXX and XXXX while sitting in a meeting with my boss at work. Extremely unprofessional given I requested a call after XXXX. I also reviewed my email only to find NEW fraud charges being flagged on the account after the card was cancelled and a new one issued on XX/XX/23. Tonight XX/XX/23 I received multiple calls while attempting to cook dinner for my family. I advised the representative to cease calling my phone and close my account because at this point I feel I am being harassed by the company. I hung up on him and he called me back asking me to verify my account. These are outbound phone calls to my phone number on file and on top of that I verified via phone at least XXXX times on XX/XX/23 to the same phone number. I told him I wanted his boss and a woman came on the line and again is requesting I verify my phone. I told her I would not being this, it was done repeatedly on XX/XX/23, I am being harassed and hung up the phone on her after telling her I want no further calls from the company. She completely ignored my request to not receive further calls, even after I advised her I would be filing formal complaints with the attorney general and CFPB ( I couldn't remember the name of this entity at the time and advised simply filing a complaint with any overseeing body regarding credit card companies ). I am done dealing with XXXX. I want my card closed and no further contact from the company ever again.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XXXX the months of XXXX XXXX XXXX XXXX XXXX late payments reported improperly and incorrectly. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Sent company correspondence XX/XX/XXXX, no response, sent correspondence XX/XX/XXXX only received email not to me but another party, not proving debt is mine
Company Response:
State: IL
Zip: 60099
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A