Date Received: 2023-01-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Good evening, I have been having tons of issues with the Goldman Sachs Apple Card. They closed my account in 2022 with explanation that I have filled for the bankruptcy. I called them on multiple occasions to let them know that I never filled for bankruptcy, which could be verified with the courts. However, after so many calls to the card issuer, they sent me letter on XX/XX/2022 explaining that they will issue the adjustment of {$2300.00} and credit in the amount XXXX if I open new account. I have called the bank again, and they admitted they made a mistake, and that someone else had similar XXXX as mine. Now, months later the bank keeps calling me, and trying to collect {$2300.00}. They are stating they have no recollection of anything being sent, or that I have spoken to someone. In our conversation I advised them that I will report them to CFPB, and they did not care at all. I guess they are not aware what CFPB stands for. Can you please advise? I have attached letter that was sent to my personal email. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to late payments and per ; 15 U.S Code 1666, 'A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ' Under the FCRA they cant report late payments. I demand that they update it to the CRA.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: On XX/XX/2022, I received a call from a representative at Greensky in response to a letter I sent in XXXX. The case reference number for that letter was XXXX. The representative that called me informed me that I needed to speak with a manager to discuss the settlement offer I made in the letter. He gave me a number to call and I spoke with a representative by the name of XXXX. This call was made XX/XX/2022 at approximately XXXX XXXX. c.s.t. The call was recorded, and I do have the audio file. I have attached a copy of the document she emailed me to ensure me she was referencing the correct account. XXXX informed me that there was no need for the settlement as this account had a XXXX balance. She verified the account more than once to be sure we were referencing the same account. She sent me an email the next day to confirm that we were in fact speaking about the same account. I now see a new account balance of {$47000.00} as well as additional interest charges assessed in the month of XXXX. I moved forward in good faith relying on information that was given to me by a member of your management team and now it appears Greensky is reneging on what was reported to me.
Company Response:
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: My friend referred me to their savings account that offers an extra 1 % APY for 3 months for the persons who referred and who was referred. You get an additional 1 % APY for each additional referral you make ( up to 5 per year ). I accepted the referral, so my friend and I should have 4.3 % APY for 3 months. I then referred my mother and brother, so I should have 9 months total of 4.3 % APY. However, my friend wasn't credited for referring me and I wasn't credited as being a referred new member. Thus, she has no referrals listed and I only have 1 referral on my checklist. We have plenty of evidence supporting being an issue on their end and have spoke to the bank multiple times via phone and chat ( including one time where they required us both to be on the phone at the same time, forcing us to reveal our private information to each other, and then gave us a " tech ticket '' that was never followed through on. I've spent hours with them and they continue to promise it's fixed and then don't. I just got off a call with them today and now they're telling me they won't do it at all. We continue to be given the run around and denied the timely adherence to the terms we agreed to when creating our accounts. I seriously question whether this is intentional avoidance of adhering to the terms.
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a Goldman Sachs Apple Card in XXXX. At that time, and all times since, I have lived at the same address in XXXX. I provided Goldman Sachs this billing address, and their database identifies my correct billing address. Despite this fact, Goldman Sachs authorized XXXX of transactions pushed from XXXX App Store using a XXXX billing address based in Washington , DC. As a result, I have been charged sales taxes that were not wed because Goldman Sachs authorized charges to a billing address that has never been associated with the card. XXXX says they can do nothing. Goldman says that XXXX should do something. I think it is on Goldman for authorizing transactions from its close business ally with a clearly erroneous billing address. Additionally, my terms and conditions with Goldman states that I can contact them via XXXX messages. This used to be true. It is no longer true. I was forced to make a call, and then have XXXX transfers to get to an Apple Card XXXX. According to the terms and conditions, this non-written complaint via telephone is not binding on Goldman. Unfair and deceptive in my estimation.
Company Response:
State: MT
Zip: 590XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I was double charged by XXXX for tickets to the XXXX. I showed the Apple Card dispute that I was indeed double charged. I did not use the ticket and after multiple emails streams and disputes, my claim was still denied.
Company Response:
State: NJ
Zip: 07747
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Wire transfers taking too long. Wire transfers should be initiated the same day. This is now my 3rd time initiating a wire with XXXX, which is taking days. This most recent one is on the 4th business day. This is not acceptable and defeats the purpose of a wire transfer ( instant ). I will be closing my account with them ... this screams of a bank that 1 ) doesn't care about it's customers ; and 2 ) that likely has logistics issues allowing it to process wire outs in a timely manner. I've called and verified the outgoing wires twice now. Both times were a success and still no wire initiated.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have an account which is reporting XXXX XXXX Account XXXX XXXX this account has always been paid on time. I noticed a late pay reporting on my credit report in XX/XX/2021. According to my knowledge this account has always been paid on time. I mailed out a request to the address listed on the credit report to request payment history etc. I didn't get a response therefore I am reaching out in the hopes to get this matter resolved. I would like to obtain copies of the original contract along with payment history for the duration on this account.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX, my XXXX report states that I have 5 hard inquiries from you guys. I did not apply for an XXXX product in the last 3 years. Please send me a letter via mail to the address on my CFPB file addressing XXXX to have those hard inquiries removed please. Again, - XXXX wanted me to contact XXXX XXXX XXXX XXXX XXXX Get XXXXXXXX XXXX XXXX XXXXXXXX to mail me a letter address XXXX to have those XXXX hard inquiries deleted, as they were not mine. - If possible, please expedite the mail. The dates on my credit report from XXXXXXXX XXXX was XXXX. XX/XX/2022 XXXX. XX/XX/2022 XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: called XXXX XXXX XXXX number provided on credit reports for this account. from apple card gs bank that I have been a victim of identify thief. my information was found on the internet 23 times from credit reporting companies. and they still wont help.
Company Response:
State: CA
Zip: 91701
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A