Date Received: 2022-12-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hi the problem Im having is when I apply for credit I get denied stating I have severe delinquent accounts. On my actual credit report it shows no delinquent accounts. This is causing me to be denied the opportunity for credit.
Company Response:
State: CA
Zip: 92404
Submitted Via: Web
Date Sent: 2022-12-25
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: Card was charged for something you did not purchase with the card
Consumer Complaint: This is regards to my Apple Card ( Mastercard ) Went to a website that looked like usps, it was a fake site and charged my card on XX/XX/21 for XXXX for a change of address ( this is suppose to be only XXXX ) I disputed it over 6 times and each time I was required to provide them with a receipt to prove it was fraud, I never received any email or receipt because it was a scam. I never received any information from the fraud site so everytime it was recharged and not resolved in my favor. I called and spoke to a manger and still was told nothing could be done, I explained that a fake/fraudulent website is not going to give you a receipt or proof they it was fraud. I closed my Apple Card after a year of disputing this charge and they closed the account a left the following message on my credit report. ( Dispute resolved ; consumer disagrees, account closed by consumer ) which is odd because the dispute was never resolved.
Company Response:
State: NH
Zip: 03801
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have an Apple Card & really only ever have XXXX issue with it. Every single month on or about the XXXX I get hit with a charge for {$9.00}. Its for a XXXX XXXX subscription service that I do not have. Every month I contact Goldman Sachs and every month I have to go through & change my card, XXXX ID, password, etc. it literally takes hours & does nothing. They only block me from using my own account. Thats not a resolution, Ive asked them to block this merchant from charging my account, they wont. So every month for going on XXXX full years now, I have this reoccurring issue. I did not want to complain because I do not have any other issues. I just feel like someone at the top needs to intervene & fix this. All I want is them to block XXXX from charging me or change my card numbers so they cant charge me. Thats the only issue but I should not have to go through hours of changing everything on my account, every single month for 2 years! Why cant they fix this? They tell me they have reversed every XXXX charge on my account but, I still see some I have never given them my card number. It is fraud. Please reverse all XXXX charges & either change my account info or block them from using my account. Thank you.
Company Response:
State: FL
Zip: 33755
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: GM Card was converted to G Marcus Goldman card in husband 's name. XXXX has been XXXX since XXXX and I ( spouse ) inadvertently sent 2 payments to the XXXX XXXX ( that was closed ) in XXXX & XX/XX/XXXX - XXXX payments totalling {$6800.00}. I have called Customer Service at Goldman Sachs numerous times but no customer service person can do anything until I provide an Estate Administrator form which would have been obtain if husband 's estate went through probate. It did not go through probate and I don't have an Estate Administrator form. My attorney prepared an Affidavit for Collection of Personal Property indicating that XXXX XXXX can receive personal property for XXXX XXXX. Customer Service at Goldman Sachs will not escalate my issue to someone other than next level Customer Service and I am always told they can do nothing without the Estate Administrator Form. They are holding my {$6800.00} and have never made any effort to contact me to return the funds. Totally frustrated.
Company Response:
State: AZ
Zip: 85014
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
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: A purchase was made for an item using my Apple CC on XX/XX/22 totaling {$750.00}. The online item wasn't available due to being out of stock and I was notified the following day. I reached out to Goldman Sachs which administers the Apple CC accounts to let them know. I asked if they could assist with the charge so I wouldn't be charged for the item at payment time when my bill was available to allow payment on the remaining balance. They said that a dispute was the only way they could assist and That I would get a provisional credit until the issue was resolved. The dispute would have to be in my favor or the amount would to charged back to my account. The vendor provided a refund the next day. Which should have zeroed out the amount but a few days later I received an email stating that the dispute was not in my favor and they charged my CC for the amount of {$750.00} and I owed that amount for an item I never received.
Company Response:
State: NY
Zip: 12203
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: When my GM Card transferred over to Marcus by Goldman Sachs, I received a new credit card agreement, so I looked up the associate reward program rules. The agreement says nothing about rewards expiring, and the program rules say they do not expire on an active account ( which mine is ). On my latest statement, rewards expired. When I called the help line, the rep says it is a " XXXX '' card, and is under a different set of rules. I ask to see the rules, and they are not available online, and they would have to dig up some rules based on the XXXX XXXX version of the card. I received a new set of rules with the new card, so why should the old rules apply? {$230.00} of points expired on my XXXX statement, and it says another {$220.00} will expire next month! I just want to keep my points. Thanks
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I want to pay my installment balance on my Apple Card. I cant. Im told no interest is accrued but I still want to XXXX out my balance. This will allow my credit report to show XXXX balance.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My personal delicate information is being reported to unauthorized third parties without my consent. I have not provided written instructions on how to display my personal information which is a violation of my privacy. I DO NOT want my personal information such as my payment history and balance reported to any credit reporting agency. I know my rights and you are in violation of them and if this information is not removed I will proceed with legal action for the violations and I will receive compensation for my time, legal fees and the violations. Remove the highest balance payment history and the balance history, as this is my private information that you are not authorized to give to any third party without my consent and instructions. Remove Immediately. Account # XXXX Thank you XXXX XXXX
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: The creditor goldman sachs bank usa, has ended the contract with the consumer. I sent a payment via certified mail to enroll in a repayment program in which this creditor took the payment and denied enrollment in this program, they soon decided to charge-off the account days after. They continue to report on my credit report every month. They have acquired a very agressive and deceptive law firm called XXXX XXXX XXXX XXXX. I requested information related to the debt amd they did not provide requested information. I was forced, by the law firm acquired by goldman sachs bank to debt validation response via certified mail. I have lawfully responded to their claims and concerns, and have been neglected by the law firm and by the original creditor. Deceptive tactics for debt collection have been made by the collectors and misinformation and disinformation has been shared and provided by both parties. I send offers and I sent letters of consented communications, and both parties decided to neglect these attempts made by the consumer to satisfy or negotiate this debt. It has been more than 90 days and has not been resolved.
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX of 2022 two checks coming from XXXX title and escrow were cashed by Goldman Sachs. One of them had been sent to the wrong address and was canceled by the XXXX title and escrow bank and the other one was free to be cleared. Somehow Goldman Sachs got a hold of both checks and cashed it on XX/XX/XXXX of 2022. After the checks cleared, I called Goldman Sachs and asked if the positive balance left on the account after the payment could be used and I was advised that it could be used and I went ahead and used the balance. On XX/XX/2022 my account had been deducted both checks, when I called, I was advised that something went wrong with the checks and that it had been sent back to the XXXXXXXX XXXX XXXX XXXX XXXX to this day XXXX XXXX XXXX XXXX have not received the refund. I have asked for proof from Goldman Sachs that the funds had been returned. I have spent countless amount of hours on the phone with Goldman Sachs racing disputes and complaints. That just circle back to nothing. I keep getting the same email about the money being returned by the title bank on XX/XX/XXXX. I have been calling Goldman Sachs almost every day for the past two months and nothing is resolved I get told that its been sent back and then Im told that theyre not sending anything back because the checks had no funds but if the checks had no funds how could they have sent something back. XXXXXXXX XXXX XXXX XXXX representative. XXXX called with me to Goldman Sachs asking for proof that a payment was issued as refund and a representative on XX/XX/XXXX of 2022. advised that there was an error on their part and that even though they said a refund was sent there was no proof because nothing was sent and they were gon na issue a check immediately but nothing was sent. These are calls that Goldman Sachs has recorded and they can check. I have been going back-and-forth with them for two months everyone tells me something different. They are stealing my money, and I have a huge balance on the account collecting interest. It is a violation as they are trying to collect a debt they were already paid as well as they arent letting me fulfill my contract with the title company by crediting my account. I have spoken with Goldman Sachs and the bank that issue the checks and XXXX XXXX they have provided me proof of cashed checks as well as checked their account for XX/XX/XXXX there is no return of money. I asked that Goldman Sachs does the same and shows proof that the money was returned and how it was returned because if it was returned with a check, then there is paper trail, as well as the ability to re-issue a check that was never cashed by XXXX XXXX, because they never received it.
Company Response:
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A