Date Received: 2023-01-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: As of today, the Apple Card issued and administered by Goldman Sachs Bank is still reporting as an open and active account on my XXXX credit report. The account was closed in XX/XX/2022. Therefore, an update needs to be done to ensure that all credit reporting repositories show this information as a paid as agreed account, zero balance, closed by consumer.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: For nearly a year now I have been charged {$14.00} on the third of every month from XXXX for a XXXX membership. My XXXX XXXX membership is a student yearly, not monthly. Upon looking into these charges further, I found an unknown and fraudulent account had access to and was using my credit card to subscribe to these monthly charges. XXXX is not able to remove my credit card because of the lack of profile verification, and Apple has said that it is between me and XXXX. Neither side will help, but Apple is being the most blithe about the situation. While XXXX does refund me the {$14.00}, that doesn't solve the fact that someone out there is still getting away with this. I am looking for Apple to block any incoming charges from XXXX so that this isn't an issue anymore. Apple has said they don't have the capabilities to block charges from certain retailers, but the bank where I have an account can block retailers, which leads me to believe Apple is lying and doesn't want to deal with this issue. If Apple can not block certain retailers like their representatives claim, they I need a new card with new information so that I am not continuously charged {$14.00} every month.
Company Response:
State: IN
Zip: 472XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, the Apple XXXX has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 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: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX XXXX opened Marcus investment savings account and deposited XXXX XXXX XXXX XXXX Account locked due to Marcus being " unable to verify my identity '' contacted them and was told they can not do anything and that my funds were lost. XXXX XXXX recontacted Marcus XXXX to get my funds again or so what could be done to do so was told my funds were marked unclaimed and could be received by making a case for them was told I would be sent a check within 7-10 business days which never came XXXX XXXX contacted Marcus again and was told that I had to close the account that I was told was already closed then I could receive my funds still did not XXXX XXXX was told that I would be contacted by Marcus ' claims department in XXXX to confirm my identity in order to receive the funds never received call XX/XX/XXXX, XXXX contacted Marcus and was told the account was still active and would never to submit a form they would be sending me and have it notarized and send it back in order to make the " next steps ''
Company Response:
State: CA
Zip: 92596
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I sent a letter via verified mail requesting that within 30 days I receive verification of my account with an original consumer contract containing my signature. In response I received bank statements
Company Response:
State: VA
Zip: 24502
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hi, My account at Marcus by Goldman Sachs has been locked for a month. A month ago, I attempted to transfer my money from Marcus to another bank via calling Marcus, and found my account locked the next Monday, without any warning or notification during that call. I called Marcus again, and was told that they would send me a form to fill and send back to them for reviewing. I filled and sent the form immediately after receiving it, and called back to check its status after I saw the tracking status as 'delivered '. This time, I was told that it would take 7 to 10 days after I sent it out for the review. So I waited 7 days and called again. I was told that it was not done yet, and I may call back next Monday. I called on next Wednesday, and was again told that it is not done, and I should wait 7 to 10 days after they receiving the form. Now it is already over a month after my account was locked, and 2 weeks after I sent the form. The form is just for identity confirmation, and I wondered what kind of review process could take over a week ( which is not done yet! ). I also requested for talking to people who is in charge of reviewing, and got rejected. My experience with Marcus is very unpleasant. First, they should warn me if there is any potential issue when I make the transaction. Second, the whole process takes a very long time from sending the form and reviewing. Third, it is a lot of communication between the department answer my call, the department receiving my form, and the department review my form. Meanwhile, I can only speak to the people on service call, and won't get valid information or direct communication with the reviewing department. Also, the timeline of unlocking my account kept being putting off and no one from Marcus takes responsibility of solving the problem as soon as possible.
Company Response:
State: MA
Zip: 02115
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received what I thought was an interest free credit offer from Apple using their Goldman Sachs credit card arrangement and purchased XXXX XXXX My auto pay checking kept paying Goldman its monthly charge while I accelerated my payments to close out this small debt. I finally realized I had overpaid on my account by more than {$2000.00} but continued to be billed monthly by Goldman as if I still had a balance. XXXX lengthly phone calls with them produced nothing. the last call was with a " supervisor '' name XXXX who agreed that Goldman owed me money but could do nothing but refer it up their chain. Never received confirmation- via email or text - of my hourlong conversation nor was the billing stopped. My first call to Goldman was in early XXXX when I asked for - but never received - an accounting of my account with them. Their resolution was just to continue to bill me which they are still doing as well as charging me interest on this phantom debt.
Company Response:
State: CA
Zip: 92651
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I sent a certified letter to Goldman Sachs on XX/XX/2022. The company has failed to acknowledge nor respond to my concern.On XX/XX/2022, I, XXXX XXXX XXXX, consumer aka natural person was denied an extension of credit by Apple through GOLDMAN SACHS BANK USA. On XX/XX/2022 when I applied for an Apple Card. I applied for the Apple Card in good faith with the intentions of receiving an Apple Card hence using my credit card ( social security card ). As you may or may not be aware adverse action against a consumer is AGAINST THE LAW according to the Equal Credit opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. You are subjected to criminally liability for violating 15 USC 1691 as I have proof that I was discriminated against by GOLDMAN SACHS BANK USA due to the response I received. Since the letter you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. GOLDMAN SACHS BANK USA should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Respectfully, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This is ONLY regarding the virtual cards, physical cards are perfectly fine. I can not view my virtual cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have troubleshooted to the most advance level. I called in 3 months ago, supervisors told me it was a technology issue that other clients also experience, so they submitted multiple tech department tickets to have it solved. Now, 2 days ago, I called in, and forcefully asked what was going on and they told me the internal department needs to review my virtual card accounts before I could view and use the virtual cards they provided. Every department whether on chat or the phone is, transferring me to another department or gives me the wrong information ( misleading too, because one agent can say the previous agent 's answer was totally wrong ). I just want to view my virtual cards. As stated by the phone calls 2-3 months ago, stating it was just a technology issue and will be fixed timely, to now my virtual cards needing review by the " internal department '' and wait for their call which never seems to come or have an exact date seems highly unprofessional by Goldman Sachs XXXX In a gist, one department says it will be fine in 24 hours with an ID verification, another says they will submit a tech issue, and another says the internal department will handle this issue with NO time frame provided and in a rude manner too. I am currently on the phone and chat too, too no surprise, I am being transferred to another department yet again on both communication lines.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Todays date is : XX/XX/XXXX Regarding Account : XXXX XXXX XXXX XXXX REQUESTED Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the above account with your company. This has damaged my XXXX XXXX and is extremely troubling. Account Name : Account Number : Charge : Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am sure you are aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost. You are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion. Also, make sure late fees are accessed properly. In this regard, I hereby request the following steps to remedy this situation. To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account. XXXX requiring written evidence for all the payment you claim that I was late according to my obligations with your company. XXXX seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date. If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRA as they were submitted e.g. XXXX, XXXX and XXXX, and any others. If I have not received this itemized documentation within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report. XXXX thanking you in advance for attending to my requests promptly To verify my Identity and my address, I am enclosing copies of identifying documents. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A