Date Received: 2022-12-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Had an Apple Mastercard through this company which I paid off and closed numerous months ago. However; on XX/XX/2022 a merchant was able to process a refund to card ending in XXXX for {$740.00} ( proof attached ). The business knows it is a closed account. The business has the refunded money. The business owes me a refund! The business needs to immediately issue me the amount in a refund check!
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
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 XXXX of 2022 XXXX XXXXXXXX XXXX card sold their financials to Goldman Sachs for the XXXX reward card. I had a balance of XXXX that transferred to a Goldman Sachs account ( not by my choice ). I created a login and continued to pay my first payment of XXXX to Goldman sachs at the beginning of the month. I did not enroll in auto pay and I did not activate my new card as I planned to pay off my card and close the account. I did not want to do business with Goldman Sachs. On XXXX XXXX an automatic withdrawal came out of my checking account for the remaining balance of my Goldman Sachs XXXX XXXX XXXX which was XXXX. I called immediately to find out what happened and they apologized and I was informed that several customers have called and complained of the same issue. They promised a refund to my checking account and my balance return to what is was, so I could continue making my regular payments. On XXXX XXXX I see the refund return to my checking account and my balance return to {$2600.00}. I think everything is okay and the problem is solved, until... On XXXX XXXX I log onto my dashboard to find my balance has doubled exactly. A " transaction '' called debit adjustment was on my statement for XXXX. This brought my balance to {$5200.00} I called back immediately and no one could explain why this happened and they said that is was definitely wrong. They filed a claim and an investigation against the matter. This took 90 days to get an answer, meanwhile the interest rate has made min payments very high, my credit limit on my card was XXXX so they began reporting me to the credit bureau as over the credit limit. Since XXXX we have gone through XXXX investigations/disputes/filing claims, also XXXX disputes with the credit bureaus and I can not get anything resolved. This has caused my XXXX XXXX to drop over XXXX points when I was in good standing and getting ready to buy my first home. I am unable to do that now due to this issue that is not my fault. I have been calling every week since XXXX to get answers and every person I talk to on the phone can see the problem but nothing comes out of it. In the past month, they sent me a letter saying they were going to send me to collections if I did not pay XXXX XXXX I did make that payment out of fear of dealing with collections because I am a person that pays bills on time and financially responsible. I believe this to be fraud and that Goldman Sachs knows exactly what they are doing and this is most likely happening to millions of people that have been sold out from XXXX XXXX XXXX rewards XXXX. I am discouraged beyond belief that my XXXX XXXX has been damaged this badly for something I am not responsible, I feel like a victim to this credit card company and want to see justice come out of this situation. The amount of time spent calling/waiting and talking to people from this company is time I will never get back, countless hours. Something felt wrong from the very beginning and I wish I would of know about this agency sooner.
Company Response:
State: WI
Zip: 53713
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
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 am victim of Identity theft. After reviewing my credit report, I noticed a charged off account listed by XXXX for {$14000.00} under my credit profile. I reached out the company by calling at XXXX and explain the situation and then Green Sky sent me an email to fill out several affidavits. I filled out all the affidavits and sent it back to the Green Sky but they have failed to respond back to this matter and never reach out to me. I don't own any property or a house and live with a family member in an apartment building. I have never apply any credit account ( s ) or authorize anyone to apply on my behalf. I want Green Sky to remove this derogatory information from my credit profile immediately
Company Response:
State: TX
Zip: 78728
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: 2022-12-19
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am having an issue opening up a checking, savings, and personal loan account with Marcus Goldman Sachs. Marcus Goldman Sachs is refusing to open up any accounts for me due to me having a previous bankruptcy in my XXXX XXXX, XXXX, and XXXX credit report. Marcus Goldman Sachs is discriminating against me based on my race and me having a previous bankruptcy on my credit reports. Marcus Goldman Sachs is in complete violation of the of the Equal Credit Opportunity Act ( ECOA ) under federal law.
Company Response:
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to express my frustration with Apple 's credit card and the lack of document investment coupons that are promised as part of the card 's benefits. I have made multiple inquiries to the company about this issue, but have yet to receive a satisfactory response. According to 15 U.S. Code 1681b, consumer reports can only be obtained for certain permissible purposes, one of which is " investigating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. '' Providing document investment coupons as promised is clearly related to a consumer 's creditworthiness and financial standing, yet Apple has failed to fulfill this obligation. Furthermore, the conception of this account was opened without consent. I applied for a credit card with Apple Inc and was initially denied due to my credit history. However, weeks later I discovered that a credit card had been opened. They stated that we made a mistake in denying the application. I also want to bring to your attention that I have previously mailed a letter to the company regarding this issue, but have yet to receive a response. I understand that this is a serious matter, and I expect a prompt and satisfactory resolution to this issue. If Apple Inc., does not take the necessary steps to address this issue, I reserve the right to take further legal action. I am concerned that Apple Inc is not taking my concerns seriously and believe that the Consumer Financial Protection Bureau should intervene. I appreciate your attention to this matter and hope that you can help resolve this issue.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XXXX XXXX Credit card, rec 'd through XXXX, initially was a XXXX XXXX Card changed to a Marcus by Goldman Sachs, apparently through XXXX, meaning I didn't apply, rec 'd email being notified of the change by XXXX. Rec 'd statement in XXXX for pmt due XX/XX/XXXX with balance due {$270.00}. Read back statement re : " how we calculate interest, XXXX caculate the daily interest for each day in month, by multiplying applicable DPR by daily balance of each balance subject to interest within each transaction category for each day in the statement period ''. Statement period for this bill was XX/XX/XXXX- XX/XX/XXXX, due XX/XX/XXXX, balance to pay in full {$270.00}. Payment made of {$270.00} mailed & rec 'd by Goldman Sachs on XX/XX/2022, 17 days before due date. Rec 'd statement with balance due XX/XX/XXXX for {$2.00}. Have called company ( XXXX ) numerous times only to be told it's " trailing interest '' if payments were even pd late, etc. I have always pd more than minimum always on time. They refuse to fix the issue.
Company Response:
State: MO
Zip: 63755
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
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: so on XXXX XXXX i bought an item for XXXX and i quickly wanted to be cancel cause i dont want it as its my right to refuse the item, well this company ignore my request and told me that i couldnt do it and told me that just to sell the item on there website, i told them many times i dont want the item and please just to refund me they still denied me and sent the item either way, i received the item and i return it back to its sender, after i told them that they still refuse to give a refund so i went with my credit card company which is ( apple ) i submitted every single evidence in my part and with that i was calm cause i know i was in the right, i received my email today XX/XX/2022 saying that i lost the dispute and the reason that i lost was because supposedly The evidence we received confirms that all sales were final at the time of purchase like that doesnt make any sense it doesnt matter if there were final i returned the item and they refuse the item so what i am my supposed to do i did everything but they still refuse to give me a refund, other that just sketchy to tell your customers to sell it in your website that just the worst place i resubmitted the dispute and will provide the same evidence i did and the worst of all i need to wait 2 billing cycle to get answer which is really disappointing, please i need your help with this apple is not doing its part as a fair credit card company
Company Response:
State: PR
Zip: 00987
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a savings account with Marcus on XX/XX/2022. I then immediately funded the account with {$1000.00}, in XXXX {$500.00} installments, from a checking account in my name at XXXX. Accompanying this complaint are statements from Marcus and XXXX showing the transaction from XXXX and the balance at Marcus. On XX/XX/XXXX, 1 month later, I attempted to withdraw my balance from Marcus back to the funding XXXX account. These were the only transactions attempted, and both accounts are in my name. Within a few hours of attempting to withdraw my funds I found that my Marcus Savings Account had been locked, denying me access, and I was directed to call support. After more than one phone call, I was told that my account would be closed, and they refused to tell me the reason. They told me that my funds would be sent back to the funding account within 3 days. More than 10 days have now passed and I have not received any funds or notice from Marcus, and I obviously do not have access to my account.
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
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: I applied for an Apple card thru Goldman Sachs. they approved and sent out a card. I could not get the card activated so I called to activate ( XX/XX/XXXX ) They could not activate card after 2 months back and forth calls. They told me to reapply which I did ( XX/XX/XXXX ) the second card was activated and I have been using it since XX/XX/XXXX. I recently checked my credit report and found Goldman Sachs had reported the first card which was never activated, used, or had a balance of any kind as a charge off on my credit report. I immediately called Goldman Sachs ( XX/XX/XXXX ) and after multiple calls they told me I had tried to open a card with them with my fathers apple ID. this was not true and they had given me a second card with the same information in XX/XX/XXXX. I believe someone at Goldman Sachs reported the first card as a charge off and now they can not figure out how to take it off my credit report. who knows how much damage has been done to my credit with a charge off there for almost one year.
Company Response:
State: NC
Zip: 27893
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was accepted to us the my apple credit a couple days ago and was told it was ready for immediate use and my daily limit is {$3500.00}. It is one week before XXXX time so I began to make some purchases which was the whole reason for me getting the card. I used my card at a local gas station for a small purchase and it went through but for any large amounts the card would not go through. When I called to speak with a specialist I was told all the declines transactions were cleared and Im able to use the card now. Tried it again and no luck so I called back again to be told there was some Id verification issues which he fixed and it was easy for use again. Tried it again and still no luck. Called back a specialist only to be told nothing it wrong with the card it should be ready for use but it isnt working and no one seems to know how to fix the issue. This is big inconvenience to me because I got a credit card I can not use when I specifically got it because XXXX is next week. Any help would be greatly appreciated thank you.
Company Response:
State: ND
Zip: 58801
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A