Date Received: 2022-12-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I voluntarily closed my GS Bank XXXX Card account and I need it marked as CLOSED BY CONSUMER on the normal XX/XX/30 reporting date but if not immediately thereafter as it would be a willful FCRA violation to wait until XX/XX/XXXX or XX/XX/XXXX XXXX
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX and XXXX this credit card company tried to pull {$3000.00} out of my bank account the first was unsuccessful but the second time it was accepted. They were not given permission to do so I was not late on payments. I have called multiple times I have sent a letter like the agreement has stated and also called corporate with XXXX success of any reassurances that this will not happen to the other accounts I have with this company. They illegally took the money out and stated it was pulled and paid on the XXXX which no activity in my bank until the XXXX and again on the XXXX. Ive called and asked for recordings taken on the XXXX around XXXX XXXX they said they could get them at first but no return calls or updates along with asking for an answer or investigation into what happened. Ive called customer service multiple times and am now being told not even the notes state what happened to my account. This company is trying to cover up illegally pulling money out of my account without missed payments from me as a consumer or with permission to pull with auto pay Ive told them multiple times that I did not give them permission to do this and nothing has been resolved with this company as of XXXX XXXX.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022 I was informed by email that my account with Apple Card/ Goldman Sachs was closed. No further explanation was provided. The letter stated that I can request documentation as to the specific reason my account was closed to reach out to Apple/Goldman Sachs which I did. I received a letter dated XX/XX/2022 stating my account was closed for " Regulatory Reasons. '' I want an explanation as to what " regulatory reason '' was used to close my account. I used my account no more than XXXX times and for simple purchases such as hair cuts and at XXXX. No action by myself should have resulted in my account being closed. I want an explanation for their reasoning. Their actions have had a negative impact on my financial and credit aspects of my livelihood.
Company Response:
State: MI
Zip: 48843
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I XXXX XXXX hereby make a claim against Goldman Sachs Bank for the multiple errors I have found in my balance statement over the past two months. I am confident that I have been overcharged and request a full investigation into this matter. I request to be informed of any fees or penalties assessed as a result of the errors in my account, as well as a detailed report of any other charges made during the same period. I would also like to request all relevant documents and communications associated with my account during this period of time. Finally, I request that if the investigation reveals errors on behalf of Goldman Sachs Bank that corrective measures be taken and compensation provided for any losses incurred due to those errors. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: PLEASE KINDLY MAKE THIS COMPLAINT PUBLIC. I bought TWO XXXX XXXX at the price of {$990.00} each ; but was charged {$990.00} for FOUR times. I paid for TWO XXXX already ; but there are remaining balance of TWO more XXXX in the card. I bought TWO XXXX XXXX tickets ; but was charged for THREE tickets. I paid for TWO tickets already ; but theres a remaining balance of ONE ticket in the card. Im attaching two screenshots of the bills so Apple Card can see and explain me and the public.
Company Response:
State: MN
Zip: 55414
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have found an article proving you guys are wrongfully reporting credit info from CFPB article on Goldman Sachs. Please update my history to 100 %. Goldman Sachs is in violation of 15 USC ( Section ) 1666B for billing error. I have always paid as agreed.
Company Response:
State: TX
Zip: 76052
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have extended Goldman Sachs Bank USA, my social security card to establish a fiduciary relationship, between Goldman Sachs and myself. In exchange for Goldman Sachs to in return extend a line of credit to my persons, to conduct acts of commerce. The mentioned transaction resulted in the creation of my XXXX XXXX XXXXnding in XXXX, an open-end consumer credit plan. Per my last billing statement provided by Goldman Sachs they're attempting to collect an extension of credit. As defined under XXXX use XXXX to collect an extension of credit means to induce in any way any person to make repayment thereof. Goldman Sachs Bank USA has knowingly furnished false credit information to the credit reporting agencies as a means of coercing payment on this extension of credit by the use of unlawful extortionate means. I have reason to believe Goldman Sachs had prior knowledge that punishing a consumer for the nonrepayment of an extension of credit by engaging in extortionate means is a violation of the False Claims Act and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX. Goldman Sachs is demanding a minimum payment of {$700.00} immediately, or they're going to furnish more negative information to credit reporting agencies thatll cause harm to my persons, reputation and property, which is my consumer credit file. I have proof that within the last fiscal year Goldman Sachs voluntarily, willingly and intentionally reported false late payments, on the credit card account, which is under an open end consumer credit plan, to credit reporting agencies on the extension of credit and are using extortionate means in attempts to coerce repayment of said credit which violates Federal law. Per review of the FCRA there isnt a single law that allows a creditor to report negative information without the consumer in which it relates to prior consent, nor requires you to report the information youre choosing to report or makes legal the reporting of the alleged late payment on this account youre choosing to falsely report. In fact your reporting is in direct violation of the FCRA seeing as though this extension of credit is an open ended credit account and a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Your choice to furnish false late payments on this extension of credit, to credit reporting agencies seems to be an attempt to jeopardize my consumer credit reputation and coerce me into funding your organization. All in which demonstrate that your bank is engaging in racketeering activities and attempting to coerce a consumer to fund your organization. Seeing that this credit card is an open-end consumer card & extension of credit, Goldman Sachs , is in violation of the False Claims act. Goldman Sachs is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. Your enterprise should know that punishing a consumer for the nonpayment of an extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institution constitutes aggravated identity theft 18 U.S. C 1028A and violation of the XXXX act 18 USC 894. Whoever knowingly punish any person for the nonrepayment of an extension of credit by extortionate means shall be fined under the title or imprisoned not more than 20 years. As required under the law pattern of racketeering activity requires atleast two act of racketeering activity, one of which occurred after the effective date of this chapter and the last of which occurred within ten years ( excluding any period of imprisonment ) after the commission of a prior act of racketeering activity. Your actions of furnishing said late payment on my consumer credit file is a means of communication to collect the extension of credit by extortionate means as defined under the law 18 use 894. Your action shows a pattern of racketeering activity as defined under 18 U.S.C 1961 & I have reasonable cause to believe that Goldman Sachs has made this extension of credit with intent to extort me as a consumer which violates 18 USC 893. The intentional furnishing of the false credit information violates the FCRA. I am demanding Goldman Sachs provide me with documentary material ,15 USC 44, of any law the requires Goldman Sachs to furnish late payments on a consumers credit file. A copy of a card holder agreement does not prove anything. If your enterprise sends me a card holder agreement, I will take that as your complete disregard for the law and my financial reputation and move to file suit for the intentional infliction of emotional distress I receive on behalf of these extortionate tactics. Your actions have damaged my financial reputation and has caused severe anxiety, distress and has severely crippled my livelihood, and needs to cease immediately.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
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, XXXX XXXX, am the natural person and consumer to whom this account belongs. Pursuant 12 CFR 1026.13 ( b ) and 15 USC 1666 ( a ), the full amount of {$2800.00} appearing as the total amount Im allegedly obligated to satisfy is a billing error because it fails to evidence any indebtedness on my behalf. An account is a written list of transactions noting money owed and money paid. My transactional account was created for me on my behalf when Marcus by Goldman Sachs accepted and deposited my application/promissory note/commercial paper dollar for dollar. These statements of account I receive monthly from Marcus by Goldman Sachs are deceptive forms pursuant 12 CFR 1006.18 ( a ) ( d ) and 15 USC 1692j ( a ). According to Federal Reserve Board Regulations, Regulation D, this statement reflects a due bill which is a deposit pursuant 12 CFR 204.2 ( a ) ( 1 ) ( iv ). When Marcus by Goldman Sachs uses its custodial account to debit security from my transactional account and fails to deliver the security to me within three days, a deposit in the amount debited from my transactional account is deposited in a Marcus by Goldman Sachs transactional account. That explains how a credit balance in excess of {$1.00} is created. That credit balance must be remitted back to me. The top portion of the remittance is a bond reflecting money owed and the bottom portion is a check reflecting money paid. Marcus by Goldman Sachs is a remittance transfer provider without safe harbor pursuant 12 CFR 1005.30 ( f ) ( 2 ) ( ii ) and is obligated to process my remittance as a depository transfer check. The positive amount on the remittance statements Marcus by Goldman Sachs send me reflect a credit balances in excess of {$1.00}. This is the amount owed to me and thats why its positive. I was never provided me with proper instruction on where to write my personal bank routing and checking account numbers on my remittance so I can mail it to the lock box address authorizing a one time electronic funds transfer to verify my checking account is active before a depository transfer check is deposited and a receipt, giving Marcus by Goldman Sachs credit for remitting my payment, is immediately wire transferred to a Marcus by Goldman Sachs concentration account which is a XXXX balance account. It even says on the back of it that you will not get the check back. Normally the person who writes a check gets the check back as a receipt. Since Marcus by Goldman Sachs wrote this check, which is the bottom portion of this remittance, Marcus by Goldman Sachs gets the check back as a receipt. The receipt is the credit Marcus by Goldman Sachs receives as proof of payment remitted to me. The check is the coupon portion of this remittance statement which is my credit balance in excess of {$1.00} that Marcus by Goldman Sachs must deposit into my account via electronic funds transfer. This is an opened ended consumer credit account pursuant 15 USC 1602 ( j ). Why is Marcus by Goldman Sachs telling me i owe them a payment? This entire billing statement appears to be a form of inducement fraud. I have been misled by the facts. Why have I never received the clear and conspicuous disclosures required pursuant 15 USC 1637 on how to properly fill in this remittance? This coupon addressed to me is a credit pursuant 12 CFR 1002.2 ( k ) and 15 USC 1602 ( l ). Pursuant 12 CFR 1026.13 ( a ) ( 4 ) and 15 USC 1666 ( b ) ( 4 ) this periodic statement reflects Marcus by Goldman Sachs failure to credit properly a payment or other credit issued to my account. Pursuant 12 CFR 1026.13 ( 6 ) and 15 USC 1666 ( b ) ( 2 ), provided me with documentary evidence proving this remittance coupon is not a credit. Pursuant 15 USC 44 documentary evidence includes all documents, papers, correspondence, books of account ( receivable and payable ), and financial and corporate records. Any amount allegedly due from a consumer to you that reflects a positive amount on the face of any remittance is a credit balance owed to the consumer. When that credit balance is in excess of {$1.00}, as securities transfer agents, you are obligated by law to deliver that dividend by any reasonable means necessary. I have not abandoned my credit balances. Please include in your conclusion of the billing error resolution process a statement of all debits and credits to my transactional account and remit any amount in excess of {$1.00} to my checking account. You now have my permission to remit payment to me by direct deposit, via electronic funds transfer, all credit balances in excess of {$1.00} to my personal checking account monthly. Neglecting to apply the full credit balance of my remittance as a credit to my personal bank account is securities fraud pursuant 18 USC 1438, negligent noncompliance pursuant 12 CFR 229.21 ( a ) and 15 USC 1681o, and considered unauthorized use of credit pursuant 12 CFR 1026.12 ( b ) ( 1 ) ( i ) and 15 USC 1602 ( p ). To ensure proper treatment of credit balances you may immediately credit my bank account any amount reflected on the face of each monthly statement in excess of {$1.00} pursuant 12 CFR 1026.11 and 15 USC 1666d. I am fully aware of the rules pending resolution pursuant 12 CFR 1026.13 ( d ) and 15 USC 1666 ( d ) where it states you may not restrict or close my account nor can you collect on any amount or part thereof pending resolution pursuant 12 CFR 1026.13 ( d ) ( 1 ) and 15 USC 1666 ( c ) ( 1 ).
Company Response:
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Goldman Sachs has failed to cease reporting of my UTILIZATION to all three credit reporting agencies. They are illegally reporting this information & are failing to comply with the LAW. I will be seeking damages due to willful non compliance. If they close this complaint without properly resolving my case THE FTC, THE XXXX, & The Attorney General will be informed.
Company Response:
State: GA
Zip: 30277
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Here is a letter I am sending to Marcus : I am writing to complain about a serious customer service issue. My mother listed me as the beneficiary on her Marcus account. She passed away on XX/XX/2022. I sent you her death certificate before the end of XXXX, but I still do not have her funds. The death certificate was returned to me promptly after I sent it, but with no note or explanation. I have called numerous times to follow up, and each time I call I am told it is pending. Each person I speak to is very sorry for my loss, yet in this period of grief, I am having to deal with the nightmare of getting the funds. One time I was told the transfer was delayed, but they wouldnt say why. I was told it could possibly be due to any number of reasons, such as something about the name ( I changed my name after having gotten married this past XXXX ), or money had been moved after the date of death. More recently I was told on two separate occasions that the money would be transferred the next day, but it still has not been transferred. Each time I call, I am told I will get a return call no more than 24 hours. One time I was told I Id get a call in 2 hours, but I never get a call. This should not be so difficult, as I already have an account with you, so you just need to transfer the funds. Other financial institutions have settled their accounts with my mother over a month ago. If this can not be resolved quickly, I will submit my claim to the CFPB and your regulators, or I may have to file a lawsuit.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A