Date Received: 2023-01-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX has not updated the credit bureau with my new balance. The still show {$10000.00} and my actual balance is {$53.00} and those purchases was made today. My statement balance was {$0.00}. I contacted them several times via email. This was their final response on XX/XX/2023. " I'm sorry about this. We temporarily stopped reporting account updates to credit bureaus while we updated our technology because we didn't ' want inaccurate information going out. I'm sorry for any inconvenience and your frustration. The credit bureaus will begin to receive and report updated account information during the month of XXXX. We recognize that you've recently made a payment, your payment should reflect in your credit bureau report within 30 days of the payment date. We apologize for any inconvenience and appreciate your patience. '' Apple Credit Card the same thing, credit bureau not updated with new balance. They have {$6100.00} on my credit report when my statement reflects {$1500.00}. I contacted them also via email, was assured the credit bureau would be updated by XX/XX/2023. I have screen prints of conversations of both lenders.
Company Response:
State: OH
Zip: 43227
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Hi I am XXXX XXXX. So pretty much 5 months ago I lost my wallet and I lost green card and social security card and Apple Card by Goldman Sachs and somebody misused it and put the account on charges of {$3000.00} now I want to close that account and there are some few addresses also Ive never put on my account so pretty much somebody misused totally and put all my accounts down and my credit score, I would appreciate if yall can help me out. My reach out cell phone number is ( XXXX ) XXXX XXXX. Email contact- XXXX Thank you and welcome.
Company Response:
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello. I am writing in connection with a late payment reflected on my Apple Credit Card account on XX/XX/2022. Note please, that as a responsible customer I have always done my best to meet the deadlines and respect the financial obligations that I have. Taking the above mentioned into consideration, I do inform you that the payment of my Apple card dated XX/XX/, is no exception. Please be informed that the payment was made via phone, yet due to badly suffering from XXXX, I was unable even to collect the phone at my hands and check whether the confirmation number was received, and non receiving of the number resulted in a late payment reflected on my credit bureau reports and affecting my XXXX XXXX. I tried to contact XXXX, explain the situation and resolve the issue with them, but unfortunately I didnt get any assistance or understanding there. I kindly ask you to give me a second chance and make a goodwill adjustment to remove the late payment. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debths. Looking forward to your prompt answer.
Company Response:
State: CA
Zip: 91501
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a Goldman Sachs XXXX card that I never applied for. My mother also received a card at the same time she received my card. She has filed her own reports. On XX/XX/2022 {$2000.00} was digitally charged to a card the thief did not have in their possession. The physical card was mailed to my parents address. My mother was a victim of identity theft on that day. She was a victim of the XXXX breach. I do not know how the thief received my information. I did not apply for this card or give anyone else permission to do so. I went to my local police department in XXXX but they did not file a report. I contacted the company that issued the card. They said all charges were made in XXXX using the digital form of the card. The card is in my mother 's possession. Goldman Sachs stated that the account would be closed and I would not be responsible for the charges. I have filed an XXXX report with the FBI.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
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: Hello, On XXXX XXXX XXXX I woke up and saw that two unauthorized charges had been made on my Apple credit card at XXXX XXXX, one for {$310.00} and one for {$310.00}. I reported both these charges and froze my card immediately. Apple said they would dispute them and would get back to me in 90 days with the decision. Yesterday ( XXXX ) I received an email saying that they had determined the charge for {$310.00} was fraud and I received a refund to my credit card. Today ( XXXX ) I received another email for the {$310.00} charge saying that they determined it was not fraud and I was responsible for paying the full amount. I re-disputed the charge and was informed that it will be another 90 days until I hear back. Their policy states that no one is responsible for any unauthorized charges to their card, which was both of those purchases. I do not understand why one was determined to be fraud and the other wasnt when they were both made at the same time with what I am assuming was my stolen credit card number. I also am extremely concerned about this and will not be using my Apple card ever again because I do not want to be held responsible for potential fraud charges. Ive had this card for over a year now and this is the first time Ive ever had a fraud charge on it.
Company Response:
State: OR
Zip: 97306
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
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: In working with Goldman Sachs who manage my Apple Credit Card, on the date of XX/XX/XXXX I submitted a credit card dispute for the amount of {$950.00} for a charge I was disputing for a hotel reservation at XXXX XXXX XXXX XXXX XXXX in XXXX, FL. I have been now filed XXXX disputes for the same credit card charge with Goldman Sachs that has XXXX through today 's date and I continue to get no where in a resolution that is fair and just.As of today I also filed a XXXX dispute for the hotel company XXXX XXXX as well.This was for initial reservation I booked back approx. XX/XX/XXXX and within 4 hrs later cancelled the hotel reservation and at the time I was assured would not be billed as long as the reservation was cancelled within 24 hrs. I twice called the XXXX XXXX location, once the corporate office number then the actual location and each time was assured the reservation was cancelled although they refused to provide any documentation confirming cancellation. Because of my concerns with this, I filed a CC dispute and Goldman and Sachs refuses to take the additional steps to do a complete review even though I provided documentation clearly reflecting that because I cancelled my initial reservation with XXXX XXXX, I proceeded forward to book another reservation for the same dates ( XXXX XXXX ) through XXXX for the XXXX XXXX XXXX XXXX Goldman Sachs is saying that the hotel mentioned that I would of needed to call the day of my check in hotel to be refunded which makes no sense since the initial cancellation process required to be cancelled within 24 hrs which means if I booked the hotel on XX/XX/XXXX and called the hotel to cancel on XX/XX/XXXX, that would of been outside of the required 24 hr policy to cancel the reservation and be fully refunded. Please help as I feel like I have no where else to turn to and I am adamant I did the right thing and followed all processes to cancel this reservation initially with XXXX Day that no one seems to have record of now. The 3 dispute numbers filed with Goldman & Sachs are : XXXX ( initially filed on XX/XX/XXXX ), XXXX, XXXX ( filed today for 3rd time XX/XX/XXXX )
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The company has stated that they closed my account upon review and discovery of " red flags '' I would like a full definition of what constitutes a red flag and what transactions were identified by this process and definition. The explanation given is not adequate.
Company Response:
State: MI
Zip: 48843
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: We have a business credit card with Goldman Sachs. We pay our statement balance every month. I come to find out that they take our payment process it clear our bank account and 2 days later charge us a {$140.00} interest on {$12000.00}. This seems like absolute fraud all the way!!
Company Response:
State: MN
Zip: 56308
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Apple Credit Cards ( Goldman Sachs ) refuses to both lower a 24 % rate and refuses to allow me to do an electronic balance transfer out in order to get a lower rate somewhere else. I have paid on a regular basis and my income has not changed, however I did use a cash advance which then changed my rate from 10 % to 24 %. I set up two balance transfers to have money go from Apple to XXXX XXXX. Apple states in their terms they have the right to refuse balance transfers. Here 's the rub..the work around is that I can get XXXX XXXXXXXX to issue me a check and I can then pay from my bank account IF Apple declines the electronic transfer in time for me to still receive the lower rate offer. I have no control over this. Apple should not be able to dictate how I move my balances out... especially if it is impacting my livelihood. I shouldn't have to spend hours figuring out a work around for a money-grabbing detail in fine print. Credit card companies could do a quick knowledge check by having consumers answer questions regarding their interest rates, their balance transfers, etc. rather than being clever about how the information is shared.
Company Response:
State: MI
Zip: 49120
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Myself and my wife both retired seniors XXXX XXXX 's are victims of fraud. Unauthorize withdrawals were made from our checking account at the XXXX XXXX Federal Credit Union ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. All transaction codes used against our checking account were identified as " External Withdrawal/XXXX GS '' ( GS in banking terms is Goldman Sachs ) . We do NOT have an XXXX/GS account. During the period XX/XX/2022 to XX/XX/2022 a total of XXXX transactions totaling {$9200.00} were made incrementally beginning in XX/XX/2022. The XXXX was notified on XX/XX/2022 and took immediate action to investigate these unauthorized withdrawals. A police report with the XXXX XXXX, Police Department, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX was filed on XX/XX/2022. On or about that date my wife called XXXX and Goldman SachsXXXX XXXX XXXXXXXX, XXXX and apprised them of the problem. XXXX provided no support, while a supervisor at Goldman Sachs said she would look into it. Note that we have XXXX products but do not have an XXXX/S account. To date the XXXX has reimbursed us for the months of XXXX and XXXX and has identified a potential suspect of this fraud. To date we do not know how a stranger got approval to make withdrawals from our checking account.
Company Response:
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A