Date Received: 2023-12-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: The account XXXX was sold but still reports a balance. I know that reading my credit report XXXX/GRNSKY/XXXX says that the account is a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS, they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS, and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb by reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. See attached credit report.
Company Response:
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
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/, I called Apple Card at Goldman Sachs regarding my concerns. I was referred to the XXXX XXXX XXXX XXXX. I called both XXXX and XXXX, which, for your reference, are listed at https : //www.goldmansachs.com/our-firm/locations.html. The agents answering the phone were clueless and ultimately transferred me to the New York switchboard. The New York switchboard took down my name and number and passed my information along to the Apple Card corporate office for call back. No callback has been received from them thus far. On XX/XX/, I chatted in to Apple Card at Goldman Sachs 's XXXX customer service line. The agent was unable to open my PDF document containing the letter and evidence requested. *Per the agent 's request*, I sent in individualized images of the PDF document through the chat. The following messages were incessantly spammed to my phone by the Goldman Sachs 's system : " Sorry but an error occurred while sending the file. Please try again. '' and " We can not complete your request at this time. Try again a little later. '' These large volume of messages harassed me during my work day and also suggest that Goldman Sachs 's customer service system is dysfunctional, inhibiting consumer 's ability to exercise their rights under the Fair Credit Billing Act, or XXXX.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
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: Subject : Complaint Against Apple Card Goldman Sachs for Handling of Dispute Dear CFPB, I am writing to file a complaint against Apple Card Goldman Sachs for their mishandling of my dispute and corrupt practices in reverting funds from the seller. On XX/XX/2023, I purchased a sports camera from XXXX, advertised with a 12-day delivery, free returns, and an on-time guarantee. However, upon receiving the item, I discovered that the camera was malfunctioning. I requested a return and refund, but the seller failed to provide a free return label, instructing me to send the item back to a XXXX address at my own expense. The seller did not honor their free return policy. Subsequently, I initiated a dispute with Apple Card Goldman Sachs. Despite providing all necessary evidence, the bank failed to resolve the dispute, insisting that I continue making payments. I requested a re-opening of the dispute, but on XX/XX/2023, they again claimed that the dispute had failed. I have presented conclusive evidence that XXXX did not adhere to their return policy, proving them to be fraudulent. Moreover, Goldman Sachs engaged in unethical conduct by reverting the funds in XXXX, informing me afterward, and demanding payment without disbursing the funds to the seller. The Dispute Status reads " Completed ( Disputed charge ( s ) will remain ). '' I urge the authorities to investigate and supervise Goldman Sachs regarding their reprehensible behavior in this matter. Sincerely, XXXX
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I paid my balance in full on XX/XX/23. The payment cleared my bank on XX/XX/23. Apple Card through Goldman Sachs would not apply the payment and release the credit so I can use the card. They have the money and refuse to allow me to use the card until XX/XX/XXXX. The will not give me a reason other than the funds will be released on the XXXX. They will not allow me to escalate to anyone. They have taken my working XXXX for 15 days for no reason al all. I can't use the money that I paid the balance with, I can't use the credit card and now my auto pays venders I have set up for that card are all declining, because I paid my balance off early. The best part is they are doing this over XXXX!! As of this complaint, they have still not released my credit so I can use the card.
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
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: To Whom It May Concern, I have been dealing with identity theft for the past year and a half and it is a difficult and troublesome on-going issue that Im still trying to resolve. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. Apple card issued by Goldman Sachs Bank USA has blocked me from seeing my bank statement under my apple ID : XXXX I have reported many charges which were fraudulent to them, however, they have re-billed everything that were reported. I can not see anything on my end I have no access to see what is happening to my account. However, I was afraid of interest would accrued on the card I just kept paying until I was able to reach out. They never returned my emails or phone calls and I'm left in the dark on why my fraud claim isn't resolved. As explained when I have reached out to them about those charges, which I can't see since my account was closed without notice, that are fraudulent due to identity fraud. They recently claimed they found not fraud on my account which is inconsistent to what I have originally reported to them. My phone was lost with my wallet, my virtual card is on that phone. How can you not find fraudulent activities on my card when that happened?? Moreover, I don't have access to this email address XXXX anymore because it was hacked into when I lost my phone. Again I received no communications from Apple to its day. No reasons given as to why they closed my account either.
Company Response:
State: SC
Zip: 29526
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, and, are not entitled to enforce a claim against me. In the event, you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and Federal Trade Commission, and file a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event, you can not provide strict proof of contract, you must cease and desist all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I purchased a phone and laptop from the XXXX XXXX, they advertised no interest if the balance was paid in a certain number of months. To meet this requirement, I have tried to make payments exceeding the minimum amount due. Apple makes it exceedingly difficult to do so. I follow the online instructions, but the system stops at a point prior to completing the transaction. I have complained to Apple, their response id to resend the instructions that do not work. I fear they are delaying payment, so they can start charging interest.
Company Response:
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Ive applied several times for an Apple Card after receiving MULTIPLE emails to preview my new credit limit. I remember applying by way of submitting application/ security/ promissory note back in XXXX when they first began advertising. I was denied due to my credit report. I began receiving back to back email advertisements the beginning of this year ( XXXX ). I have submitted applications /securities/promissory notes 2 additional times in XX/XX/XXXX after recording over 20+ emails to Preview my new credit limit. And after receiving denials, I received 10+ additional advertisements. I initially was excited receiving the email because I thought I was approved all this time while experiencing financial difficulties and I thought that was a means of an end to the issues. Just to see that I was completely denied. This is considered bait and switch. This is false and misleading representation. I have also read on their documents on the Security Exchange Commission and saw that they are securitizing our applications and pooling them into trusts to trade across the secondary market ( XXXX XXXX XXXX XXXX ) after turning the application over to get the Original Issue Discount from the Treasury Department without giving me MY EXTENSION OF CREDIT. They are committing securities fraud and they are not reporting anything to the IRS which is now going into tax evasion. I sent an email in response and no one responded. I then called the investment line and explained my issues and the individual had a supervisor call me back and that individual stated they do not have to comply with UCC, they do not go off of third party websites ( SEC.gov ) and stated the decision is final.
Company Response:
State: OH
Zip: 45239
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act, 15 USC 1681 section 602 states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information. Apple Card/Goldman Sachs are financial institutions by definition under that title. Pursuant to 15 USC 1681a, ( 2 ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. Per 15 USC 1681b Permissible purposes of consumer reports -In accordance with the written instructions of the consumer to whom it relates. I never gave written instructions authorizing the creditor to send my personal information to any credit bureau. The Creditor did not get my consent to add anything to my consumer report, which is a violation of the Fair Credit Reporting Act. -P.L . 90-321 ( 82 Stat. 146 ), states that any agency can only get my consumer report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ). 15 USC 1681 section 604 section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Apple Card/Goldman Sachs are the financial institutions and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ; Also Apple Card/Goldman Sachs whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. Apple Card/Goldman Sachs ; Never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. These accounts are adverse items they are reporting again without my permission which is against the law. 15 USC 1681s 2 ( A ) ( 1 ) states, A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services to XXXX, XXXX and XXXX.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
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 Bank claims that [ I ] already received a credit from the merchant for the disputed amount ( attached ) under prior dispute case number XXXX ; note that the disputed amount was {$960.00} for this dispute ( attached ). This was an incorrect statement made by the Bank, as both XXXX XXXX XXXX and the Bank have not collectively issued a total non-provisional credit of {$960.00} to the Apple Card for this transaction made on XX/XX/2023. A complaint has been filed with the Consumer Financial Protection Bureau regarding this false statement, as this specific mis-statement was not addressed by the Bank till date. Moreover, the Bank wrongly marked Consumer Financial Protection Bureau case number XXXX as a duplicate of case number XXXX. The banks issuance of a false assertion about the merchant having issued a credit for the disputed amount, where the disputed amount was {$960.00}, was not addressed and was a separate, distinct complaint.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A