Date Received: 2022-12-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Starting XXXX, 2022, my Apple Card has been used for many transactions that I have not authorized. After each transaction, I have notified Goldman Sachs XXXX Apple Card support of the issues as soon as possible, generally in less than XXXX hours of the charges occurring. However, to this date, Goldman Sachs has not addressed the issue or make it stop despite multiple attempts to resolve the issue with their customer support. Some of the transactions resulted in actual merchandise being sent to my address, and I have worked with merchants directly to return all of the merchandise delivered ( receipts of all shipments attached to the complaint and also provided to Goldman Sachs through various interactions with their support ). To add insult to the injury, Goldman Sachs occasionally mails documentation for these transactions that are clearly signed by someone else than me ( XXXX such example attached to the complaint ), yet they refuse to give credit for the transaction.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: My wallet was stolen at a gas station in XXXXXXXX XXXX XXXX. I starting noticing fraudulent activity such as credit cards I did not apply for.
Company Response:
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I disputed the unknown inquires and the company and the credit bureaus are refusing to remove them
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXXApple Card GS Bank USA was reporting on my my credit as late when I was never was late.In accordance with the fair credit reporting act XXXX account # XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 602 A.States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 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: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
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 sent a letter to Goldman Sachs/Apple Card requesting information about my account AND a letter stating that in accordance with 16 CFR 313.2 - 7, 15 USC 6801 - 6805, the Fair Credit Reporting Act, and The Privacy Act of 1974, as a federally protected consumer, I am exercising my right to opt out of any and all authorizations that I, the consumer, may have given to report my information to a third party ( i.e., credit reporting agencies, etc ). I rescind all consents given to any company in written form, unwritten, verbal, or non-verbal effective immediately and indefinitely. This was after I received an online statement stating that I owe them a debt in the amount of {$1700.00}. I explained to Goldman Sachs/Apple Card that I conditionally accept their offer to pay this account in full upon proof of lawful claim pursuant to 12 CFR 1026.13 ( a ) ( 5-6 ) and 15 USC 1666 ( b ) ( 5-7 ) and with their assurance that they will accept payment in direct and immediate exchange for the ORIGINAL instrument of indebtedness in its ORIGINAL form. I requested this documentary evidence of accounting pursuant to 15 USC 44 for all accounts in connection with me in order to address thee billing error for the account in question. I need clarification about how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS publication XXXX as the XXXX on the public side and on the private side showing accounts receivable and accounts payable ( XXXX ).
Company Response:
State: AK
Zip: 99709
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Dear CFPB, My card is associated with apple account : XXXX My Apple Credit Card ( Goldman Sachs ) is closed for no reason. They locked my card on XX/XX/2022 and told me to contact customer service, however, every time I contacted them, they did not give me a specific answer. They always told me that some one from an internal team will call me back. They did not give me a reason why my account is restricted. On XX/XX/2022 they closed my account with no notice and pre-notice or anything. They closed my account with out any reasons to me. This really hurt my financial situation and health. Please help me appeal them. Please see attached file for the conversation. They told me they restricted my account to protect me, and then they closed it.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: On XX/XX/XXXX I found out an Apple credit card had been opened without my knowledge. I realized I wasn't charged for a purchase I made. Upon further investigation, I found that the purchase had been charged to a credit card that I didn't open. I called Goldman Sachs and filed a fraudulent claim. I spoke to XXXX and he instructed me to report it to the credit company. I told him that we had XXXX. He then instructed me to file a identiftytheft.gov report and then send the hard copy to Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. So, I filled it out and sent it on XX/XX/XXXX. XXXX informed me the acct. was opened on XX/XX/XXXX. He instructed me not to make a payment on the acct and that this would not be held against my credit. On XX/XX/XXXX I received an email regarding a statement.I called to make sure this was not going to effect my credit. I called and spoke to XXXX and she said someone would call me back. I didn't receive that call. On XX/XX/XXXX I received an email regarding a statement.I called to make sure this was not going to effect my credit. XXXX said the case was restricted. Wait until there is an update. They will send and email. On XX/XX/XXXX I received a statement on the acct. I called to make sure this was not going to effect my credit. I spoke to XXXX. She said someone will call me back. I didn't receive that call. On XX/XX/XXXX I received a statement on the acct. I called to make sure this was not going to effect my credit. I spoke to XXXX. XXXX transferred me to XXXX. She said my account was restricted and under review and they were working on the acct. I was very concerned that this was going to effect me credit so I gave XXXX all my bank info to pay the balance and closed the account. On XX/XX/XXXX I called XXXX and cancelled my payment. I was afraid that paying the acct. complicate the ongoing investigation. XXXX informed me that He couldn't report anything regarding a balance on my acct until the investigation was complete. Also, he couldn't reverse the acct closure. On XX/XX/XXXX I called because I continue to get statements on the account saying I have a balance. I spoke to XXXX XXXX and she informed me that a fraud report was filed. That the emails sent are just automatic. My acct is a disputed account because transactions are disputed. On XX/XX/XXXX Because I haven't felt confidant in any information provided to me to this point, I called and spoke to XXXX I was disconnected after 5 minutes. I called back and spoke to XXXX. He said to ignore the bills until the case is resolved. On XX/XX/XXXX I called and spoke to XXXX XXXX who informed me that {$100000.00} was sent to COLLECTIONS and was incurring interest. She transferred me to XXXX and she said she was going to escalate this to a manager and they will reach out with a resolution. She checked everything and she said it was complete. She works in all different departments. It was filed as fraud and it shouldn't have gone to collections. Account is still being disputed. Manager will call back. I paid acct in full with Bank Acct. {$1000.00} On XX/XX/XXXX Didn't hear from Supervisor so called back. Spoke to supervisor XXXX and transferred me to XXXX. ( XXXX HOUR ON PHONE ). He said case is open - can't remove off my credit until everything is reviewed. Will have supervisor calm w/in 10 days. He doesn't know name of supervisor.They have many. He doesn't choose them. .
Company Response:
State: FL
Zip: 33418
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I applied and was approved fro the GM XXXX Credit Card. I set up my account online and received an error message that says " there is a problem with your virtual Card and we need to speak with you. Please call XXXX. '' I have called multiple times and every time they have said there is a technical issue and they will escalate the issue and someone will call me within 48 hours. After a few days I call back and am told the same thing. This has been going on for weeks. I last called on XX/XX/2022 at XXXX XXXX XXXXXXXX. The rep texted a six digit code to my phone from short-code : XXXX and had me read back the code, which I did. He said that confirms it is a technical issue at their end. I got the code and therefore my phone works as it should. I realize that Goldman Sachs GM Card has a reputation for horrid customer service, but how do they expect to stay in business if they can't fix a technical issue at their end?
Company Response:
State: CA
Zip: 92211
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: After losing my father, business, and home, I am trying to put the pieces of my life back together. I fell behind on my XXXX account for XXXX, but I tried my best to keep the company informed and worked to find a satisfactory solution so that my account will remain in good standing. In XX/XX/XXXX agreed to a payment arrangement after speaking with a collection specialist. Unfortunately, XXXX was misleading and they did not clearly and fully disclose all information about the offer and terms. One key piece of information missing is that XXXX will report to the credit Bureau that you have not made any payments. This is extremely important because even if you are making payments, your credit score will continue to lower month after month. XXXX representatives try to associate that with the account being in good standing and refer you to those terms, but this is completely different. I paid XXXX, XXXX, and XXXX ( which I later filed for chargeback ) and XXXX continued to report I made {$0.00} payments which showed my account in extreme default at the credit bureau. My billing statements were not accurate and up to date to reflect the new agreement that they presented. I continued to receive text messages and communication about missing my payments, Customer care specialists insisted they were obligated to their system information and no updates were made so the harassment continued. XXXX did not provide advanced notice of changes to my account. This was extremely hurtful because they changed my account credit limit from {$7000.00} to {$700.00} and reported that change to the credit Bureau to include a balance of {$7000.00}. My credit score plummeted because of this change. I was in the final stage of getting a loan that was saving my home, but upon final submission, XXXX XXXX declined me because of XXXX misinformation. I called XXXX literally crying and begging them to correct this error, but it was not done in a timely manner and I lost my home. XXXX send me communication anywhere between XXXX XXXX and XXXX XXXX. I can't sleep, and I can't get this company out of my mind, I am angry, disappointed, and feel cheated by this company. In XXXX I spent over {$27000.00} with its card and paid every cent back. XXXX has been the worst year of my life, I have nothing to my name and I am fed up with XXXX constantly harassing me, lying to me cheating me out when I have done everything in my power to pay them back. I filed for chargebacks on the payments I made to them after I discovered they continued to report no payments were made by my side. I will not pay this company a cent unless they are transparent and clear and enforce the rules that protect me as a consumer.
Company Response:
State: TX
Zip: 79905
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose
Company Response:
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A